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clockworksalsa · 5 years

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Duck doesn’t know what to do.

Not that he’s ever known a goddamn thing about what to do and when to do it his entire life. It’s a vastly different not-knowing, though, without the feeling of a set path underfoot, like a well-worn trail through the thickest of forests. Whatever choices he wound up making, the curves followed him, not the other way around, and he always ended up right where he needed to be, every time, until...

Well, he won’t say he misses it, exactly, the destiny business and the asshole sword, the alien planets and interstellar wars, but he does miss the sense of purpose. He has to fill up the newly vacant spot in his life, with something or other, he guesses. His schedule is wide open, and he’s a little embarrassed that Aubrey and Thacker get right to work fixing up Sylvain, according to Mama, “doin’ a damn good job of it too”. In his opinion, he made off with the short stick- those two are off just now coming into what they’re meant to be, and he’s already ticked that off the ol’ bucket list. It’s a blessing and a curse.

For years, he’s rebelled against his calling, longing to rest, but now there’s no resistance. The future is yielding to him, now, warm clay ready to be molded, but Duck hasn’t the first clue what to make of it. Even his forestry job, so near and dear to his heart, seems not to need him, like he no longer fits the mold he’d carved away in his quest for normalcy. The park’s quiet- local campers are a lot more reticent to goof off in the woods with the knowledge that Bigfoot himself is right up the road, and that kind of caution gets passed to any who pass through. It’s as green and verdant as ever out there, like the Earth is breathing a tremendous sigh of relief at not being totally annihilated, and Duck is as always captivated and wondrous of the nature he protects, but it feels like he’s missing something vital. He’s frozen, at a crossroads, for the first time in his life, he gets to choose what happens next. And in the meantime, he keeps going through the motions.

Until one night, when he’s channel surfing, sprawled on the couch with the cat on his lap, when he sees that the Amazon is burning. Something buzzes in his rib cage, adrenaline spiking in his gut, a familiar feeling with a slightly different flavor, and oh, yes, he can work with this. He calls up Juno first, figures she’d want to know where he’s hightailing it to, maybe even tell him he’s batshit crazy, but to his immense surprise she offers to join him. He heard about what she did that night, when the Quell came for Kepler, and he wonders if she’s been missing that feeling too, the feeling of being a hero, as he agrees to drag her all the way to fucking Brazil on a whim.

No, Duck doesn’t miss the battles, the training, the immense responsibility of being Chosen, but he figures, hell, there’s plenty more than one way to be a hero. It’s a fight of a different kind, but a fight nonetheless- and that’s how he pitches it to Minerva.

The giantess of a woman is standing in his kitchen, carefully working the coffee maker like he taught her. She’s picked up lots of things in bouncing around between her chosen ones, but by and large she spends most of her time with him. He wrestles with how to tell her he’s leaving as she pours two cups, black for both of them (only because he’s out of sugar and creamer). He doesn’t know how she’ll take the news, that’s he’s leaving. He also doesn’t know why it matters so much, why he’s worried about what she’ll get up to without him, and how he’ll function without her constant, reassuring presence, even if he couldn’t stand it for a good few years.

And, yeah, shit, he’s spent the last 20 years of his life running from her, hasn’t he, so why now is he overcome with this... anxiety? It’s not like he’ll never see her again— an echo of the loss he felt when their connection got severed stabs into him, cold and miserable. He can tell himself it’s because he became weaker, got un-chosen, all he likes, but damn, he’d missed Minerva. Despite her hounding him nonstop, his respect for her had only grown, exponentially so since he’d joined the Pine Guard, and started coming into his destiny. She’d trusted him with this responsibility, and in return, he’d trusted her to teach him how to use it. He wouldn’t be the man he is today without her- and hell, he probably wouldn’t even be here at all.

Ah, shit. He notices that she’s talking to him when he feels the warmth of the mug being pressed into his hands, and he catches, “...alright, Wayne Newton?”

It’s still so weird to hear his name played out like that, in her particular cadence, and without a trace of mockery. Perks of having alien friends, he guesses. He much prefers Duck, but he thinks Minerva takes pride in the fact she’s the only one who gets this privilege, so he lets it slide. Hell, she’s more than earned it, putting up with his bullshit over the years. She’s earned honesty, not that he’s much of a liar. He blows out a sigh, and decides with all of his chosen-one courage to just bite the bullet and get it over with.

“Minerva, I’ve been thinkin’,” he starts, voice low and gravelly. It’s too loud in his ears, and his gut twists, “me n’ Juno are gonna head out to do some good down in the Amazon rainforests. Fightin’ fires and doin’ restoration work, and, man, they could really use the help, seems like. Brazil. It’s, uh, south of here. Way south.”

Minerva tilts her painted head. She looks almost... pleased, like she’d known he’d been looking for something to do, something more. She knows him too well. She claps a heavy hand on his shoulder and squeezes, just shy of painful. Yeah, yeah, she’s proud, but it feels hollow, especially when she says, “I see. A worthy endeavor! And how long will this new mission last, Wayne Newton? A few weeks? Months?”

“Well, see, that’s the thing,” Duck says, haltingly, “we don’t know. There’s, lots to do, and I don’t— I probably wouldn’t come back. To Kepler. Well, to visit, sure, but I’d imagine that, uh, once I get all set up over there, I won’t be, you know, back back.”

Minerva’s hand slips from his shoulder, joining her other clasped around her mug. She eyes her coffee, lips pursed, thinking, mulling it over- she’s so easy to read, now that he can actually see her face, her strong, expressive features. She doesn’t... deflate, exactly, but her natural exuberance seems to dim somewhat. She doesn’t look upset, at least, not that he expected her to pitch a fit, but maybe it stings a little that she isn’t protesting him moving miles and miles away. Why would she? Whatever his sudden hangups are, she’s still got Leo and Dr. Drake, plus all the Amnesty folk. He’s given her what she’s asked of him, done his part, and now, she’s well within her right to move on. They both are. Right?

“Alright, Duck Newton,” she shrugs, likely coming to the same conclusion, and takes a huge swig of her still-boiling coffee. Duck sips at his own, and wonders if that’s it, then. They spend the day watching old sitcoms together, a cushion apart on the couch, and Duck wonders.

It’s about two weeks after that, and Duck still hasn’t left yet. He’s really underestimated the work it takes to uproot oneself from 40 years of staying in one place, stagnant.

He and Juno are in the process of seeing about a transfer over to a similar station a ways out from the forest itself, a place to set up camp as it were, a sort of jumping off point for their new lives. He’s also been brushing up on his Spanish in Duolingo, but it’s so hard to keep up with that shit, he mostly plans on coasting with his high-school level knowledge of the language. He’s sure it’ll be fine. He’s been busy, thinking about what to pack, and what to leave to his friends in Kepler, plans in place for if- when, when, they get the gate fixed, making sure all the paperwork is in order for transferring his lease, what he’s gonna do with his cat—

And, right. That’s why he’s out with Minerva at the moment, doing some pithy grocery shopping. Duck’s always been pretty bad at it- it’s not like he’s had to really try to keep in shape, he can usually just eat whatever’s on sale from week to week, takeout if he’s feeling particularly lazy. No, mostly, he’s walking Minerva through the task, subtly preparing her for the responsibility of moving in to his apartment, and keeping up with his routines. That’s his grand plan— he ain’t gotta worry about her if he knows she’s all set up somewhere familiar, roof over her head, a solid schedule, cat to keep her company. She’ll be good without him here, which is his intention, and why that still bothers him, he doesn’t know. Not that he doesn’t trust the other Chosen Ones to look out for her; he just thought that, maybe, doing this for her, for his peace of mind, would make the thought of leaving her more bearable.

It doesn’t.

They’re hefting in the groceries, and he shows Minerva where everything goes, the cat brushing at their ankles because she knows that groceries mean it’s just about feeding time. He tries to make a joke about it to Minerva, but it’s like his voice gets stuck in his throat. He feels sick, almost worse than before he planned this little scheme, and it must show on his face, because Minerva blocks the doorway before he can dive back out to get the last of the goods. She takes up the entire frame, arms crossed, a stubborn wall of muscle, and he knows it’s pointless trying to wrestle by her.

“Duck Newton,” she booms, a warning in her tone. “You are positively green. Have you fallen ill? Do you require medical attention?”

“There’s frozen shit in the car, Minerva, come on,” Duck tries, weakly, but she arches one eyebrow and stands firm, only budging to lay the back of her deeply tanned hand against his forehead. If anything, he’s clammy, so her touch is warm, and something has him jolting back, deeper into the apartment.

She remains poised with her hand held up in the open air for a few seconds, before letting it fall as a fist at her side. She narrows her eyes, grounds out, “what was the purpose of this grocery expedition, Duck Newton? Are you keeping something from me?”

Duck feels his heart pounding in his ears, louder than her accusation. He’s a shit liar, he knows this, knows he can’t smooth this over with any hemming and hawing, so, “I want you to have my apartment,” he blurts, and while perfectly sufficient, great, yup, that’s it, he tacks on anyway, “I want to know you’ll be ok, while I’m gone.”

She tenses up, just a touch, but he notices. God, he’s so stupid. Minerva is brashly independent; a warrior like her would probably be offended by being coddled. He could’ve just left it at the first bit, been all practical about it, but then he had to go on and get mushy- but, then, she smiles, and shakes her head. Her eyes, though, are unreadable. “I am flattered, Duck Newton. I shall gladly accept this charge.”

He breathes a heavy sigh of relief, glad to have that over and done with, but the knot that’s formed in his stomach doesn’t dissipate. If anything, it coils tighter. He speaks through the lump in his throat, “well, alright then. I sure do appreciate it. You’ve always got my back, Minerva.”

It comes out far more tender than he anticipated, and he feels that there’s something else trying to push through, behind the words. His mind rails against the thought, panic blooming fresh in his chest, and he mentally stamps it down as Minerva steps out into hall, gesturing for him to follow suit.

It’s bittersweet, somehow, when Minerva sighs as he passes by her, breath fanning his spectacular hat- tousled hair, “of course. That is what friends are for.”

It’s four weeks after that that Duck and Juno feel just about ready to leave. Ready, in the sense of being physically prepared, packed, locked and loaded, itching to get out there and do some good. Mentally, though, Duck’s hit a roadblock. He can’t speak to what Juno’s mind is on, of course, so she might be 100% raring to go, but Duck keeps circling back around to just plain not wanting to leave Minerva here in Kepler.

For so long, they’ve been a kind of package deal. It’s not that he doesn’t want to go to Brazil, he totally does, it excites him, he just— it doesn’t feel right, without being with her. Yeah, yeah, there’s no more fighting to do, and thank God for that, but- but maybe, maybe, they’re allowed to exist outside of that, together. They’ve become more than just, mentor and mentee, at this point. Maybe maybe, they can just be.

Duck drags a hand down the side of his face, exasperated. What, is he gonna start doodlin’ little hearts with D+M in ‘em? Fuckin’ embarrassing. So, he’s got some schoolyard crush on Minerva now? He guesses? He ignores the part of his brain that tells him it’s more than that, that Minerva has always pushed him to want more and be more, and that this is no exception. No. He puts his foot down. Minerva is, arguably, his best friend, his trusted advisor. They’ve been through thick and thin— he’d do just about anything for her, he thinks, and in return she’s trusted him with more than he deserves, in his opinion. He’s sure that this is just some last ditch effort to hold onto her, selfishly. She’s allowed to live her own life, now that she’s got the opportunity. He doesn’t get to claim her, keep her close, when she’d been shackled to him out of mere necessity.

See, the more he talks through it with himself, the more he can see that it’s better for them, to go their separate ways. His hero days are over, and it’s not fair to ask her to stay. He can see that, clearly, but then he circles right back to the ache in his heart, the big, beefy hole it would make if he tried to cut Minerva out of it. He lays awake with these thoughts, and aches.

They’re over at Leo’s. They all brought something, ate dinner together, the Chosens and their guide, washed the dishes and put them away. A last hurrah, for Duck, and for the steady peace that they’ve finally settled into. The doctor is the first to go; she says something or other about being on the verge of a breakthrough, ambition burning in her eyes, and excuses herself, giving Duck an awkward hug and some final well-wishes. He thanks her, profusely, mostly for tonight, but also, a little bit for everything else too. She flushes, and then waves goodbye to Minerva as Duck returns to his seat. Leo walks Dr. Drake out, leaving Duck and Minerva sitting at the dining room table in poignant silence.

They haven’t really gotten to talking much since the whole apartment ordeal. He’s fully distracted himself with thoughts of his impending future, the complete reverse of his tactic for dealing with Chosen One bullshit, which is kind of funny. He doesn’t feel much like joking, though, looking over at Minerva. Her head is rested on her hand, and she’s staring off into the distance, face blank. She’s unusually reserved, and it’s disconcerting to see.

He sighs, quietly, resigned, and breaks the silence. He’s got one more goodbye to fight through. “Hey, you wanna root around and see if Leo’s got dessert hidin’ out somewhere in here?”

“Oh.” Minerva looks up, and offers him a half smile, sliding out of her seat. “A good idea as any, Duck Newton.”

He nods, and feels her follow behind him into the kitchen. It’s- it’s so weird, that this bothers him, but she hadn’t called him Wayne since he said he was leaving. Call me Wayne, he had said, and she did, so much so he knew she was saying it just to say it, because she could. It in no way measured up to what she’s given him, but that small secret part of himself belonged to very few people. It felt special, to him. Did he somehow take it back? Did he make her feel like he did?

“Duck Newton? You are not being very helpful,” Minerva grumbles, accompanied by the sound of shifting bags and boxes of food, shoulder deep in some cabinet.

“Shoot, sorry about that,” he laughs, short, amused. His heart does a little flip flop, and his smile withers, just a little. Right. He begins to rifle through the opposite side of the kitchen, procrastinating, until Minerva actually procures an unopened box of snack cakes from the recesses of the pantry.

“Ah-hah!” She holds the box out to him proudly, exuding pure satisfaction. Her happiness is infectious, and he feels himself being pulled into her intense orbit, being bodily lifted out of his funk. She grins, brightly, winsomely. “I have found! The Ding-Dongs!”

He snorts, unable to help himself, and again, between gasping breaths, until he’s overcome with a fit of giggles. He’s crying, too, and he can’t tell if it’s the joy or the despair that has, “God, I’m going to miss you so much,” tumbling out of his mouth, and- and, it doesn’t scare him half as much as he thought it might.

He’s almost doubled over at this point, but he can see her boot-clad feet scuffle closer, and he can hear the sound of the Ding-Dongs being set aside. He says it again, desperately, because he can, because it’s out there and it doesn’t matter if it hurts later, because at least she’ll know right now, “I’ll miss you so goddamn much.”

“Duck Newton,” she says, and the waver in her voice is so jarring that the laughter just about dies in his throat instantly. She clears her throat as he straightens up, wiping the tears from his cheeks, suddenly somber, and she continues, “Duck Newton, I will miss you more.”

They stare at each other, and he watches, wide-eyed, marking the tear rolling down her cheek. “Minerva,” he starts, but there’s just so much that he wants to say, nothing else quite makes it through. So he steps forward, and reaches, reaches up, and slowly, carefully brushes that tear away. He can see her swallow, and it feels like they’re both holding their breath.

Her skin isn’t soft, exactly, a bit tougher than his own, human skin, he thinks, but it’s warm under his palm, and as his thumb finishes it’s arc, he finds himself unwilling to pull away. Come with me, he thinks, stay with me. Until he remembers, that isn’t fair to her, that he can’t decide for her, when she’s got her own life to live, and then he steps back, skin tingling with electricity, heart squeezing painfully tight.

She touches her cheek gingerly with her own hand as soon as he does, eyeing him almost in awe, in disbelief, and he wonders. He aches. But he doesn’t get to choose what happens next. She does. So, he says, “listen, Minerva, whatever happens, wherever I am, we’re still gonna be friends, ok? I’m not— I can’t ask you to, to follow me to the ends of the earth, or you know, any other fuckin’ planet, for that matter. It’s ok. It’s— I mean, we’ll be good.”

Minerva blinks, opening her mouth, but Duck barrels on, “and it isn’t a big deal, really, right? I mean, all that destiny shit is behind us, there isn’t really any need for us, to, you know, keep close. Assuming that there isn’t another world-threatening encounter, loomin’ on the horizon, but, you know, my visions’ve stopped, I ain’t got my sword, I mean, what can I do here? You don’t need me here. And, you know, I guess without me to worry about, you’d be free to do whatever you want to?”

His heart his hammering, jack-rabbiting behind his ribs, but he’s so, so fucking relieved that he’s finally put what all he’s feeling into words. Well, most of it, anyhow, but he touched on what matters most. He’s navigating blind, and no one’s more surprised than he is at where’s he’s landed- except maybe Minerva. He waits with baited breath, feeling like he’s just run a marathon, watching as her brow furrows, digesting his long winded blathering.

“Duck,” she says, just Duck, and he feels winded a whole different way with how she says it, soft and sad and so very different from her usual boisterous tone that it physically hits him, a gut punch.

She speaks slowly, methodically, like she’s choosing her words very carefully, “I want nothing more in the world for you than your happiness, Duck. And whatever you choose to do in your life, I will be here for you, beside you. Have I not proven this to you many times over? Believe me when I say that I can see no reason to leave you now, and can foresee no reason to do so, ever.”

“Minerva,” Duck murmurs, daring to hope. He tries not to read into her wording too much, knowing her phrasing tends to come off as awkward more often than not, but. “Of course you have, but... you should be free to make your own choices, you know? I want you to- to find your purpose, you know, outside of, well, me.”

“Duck Newton, you are my purpose.” He doesn’t know when the kitchen got to be so damn small, but right now, she’s towering over him, staring down at him with something bright and yearning in her eyes, something that he’s sure is reflected in his own. He’d let his insecurities blind him to what right in front of him again, something beautiful. Something real. Something that was laid out before him, a destiny, ready for him to reach out and take it, a path for him to follow, but not alone. Never alone.

She must see the shift in his eyes, can read his heart clear as day, because her smile returns full force, and her arms spring up, landing squarely on both of his shoulders. It takes all he has not to collapse.

She laughs, bright and bubbly, reverberating in her chest and shaking him with its power. “The best decision I ever made was in choosing you, Duck, and therefore I will continue to do so. If you will have me, Duck Newton, I would like to walk alongside you in this journey as well.”

“Alright, now you’re just layin’ it on too thick, c’mon honey,” he teases, breathless, heart feeling bouyant and stuttery and yes, yes, full of immeasurable love and respect and joy for this huge alien woman.

“I can lay it on as thickly as I so choose, Wayne Newton, for I am the master of my own destiny, as you said,” she says, teasing back, and now he knows for sure she’s doing it to annoy him, and he laughs, and curls his hands up to rest on top of Minerva’s, like a complete circuit, and his world rights itself.

“Oh shit.” Realization dawns on him, and he whirls to go retrieve his phone from the table— because he has to text Juno, oh god, they’ve gotta postpone, he’s gotta get Minerva a plane ticket, and can she even legally get a job— and runs smack dab into Leo,“oh shit!”

“Hey Duck,” he says, casually, glancing knowingly between the two of them. Duck wonders, mortified, how long he’d been standing there. “So. Need me to cat-sit?”

Minerva inserts herself between them, frantically shouting, “we are taking the cat!”

They do end up taking the cat to Brazil; getting her in the carrier is an endeavor in and of itself. But that aside, all other last-minute preparations go surprisingly smoothly. Minerva is ecstatic— turns out, she’d wanted to go with him all along, but she hadn’t wanted to annoy him by tagging along. She figured, with the sudden announcement, he’d made plans without her, which was fine, just caught her off guard. She likes to tell him that, over her course of thinking about it, she learned she simply considers him a constant, no matter what they’re doing, or where they are, at war, in peace, she wants to be where he is, and if he offered, her choice would be obvious, natural as breathing.

They were paired, she had said, by fate, but are bound by respect, admiration, and love. It’s not textbook romance, Duck doesn’t think, but it’s one of the sweetest sentiments he’s ever heard, and it’s one of the things that keeps looping through his mind on the trip down, a positive feedback loop that has him slouching, dazed and smiley, in his tiny airplane seat, hat brim pulled down low. Old habits die hard- they’d surely get new uniforms at their new service center, but for now, the thing is a comfort. Juno’s dozing, leaning up on his shoulder, probably drooling. He looks a little to his right; Minerva’s got the window, gazing out at the clouds as they fly by. She’s practically glowing— and hell, she might actually be, there’s still so much to learn about her— but she turns when she feels his eyes on her. Backlit by the sun, she smiles, and Duck, in his life of uncertainty, of fighting his way through everything thrown his way, has never been more sure of anything. He settles back into his seat, and rests, hurtling into the unknown with an uncharacteristic confidence. For the first time, he’s running to something, instead of away from everything. Hell yeah, he thinks. Bring it on.

#taz #taz amnesty #taz amnesty spoilers #duck newton #minerva #ducknerva #?#writing #fic #fanfiction #come to brazil #god i have so many feelings #once again justin knocks me off his ass with his character choices #anyways i worked way too hard on this just take it im through #if i edit again its gonna end up twice as long #i LOVE writing minerva ok shes a goddess and duck is a lucky son of a bitch #dunno if ill crosspost this anywhere else #im probably the thousandth person whos written this lmao

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mostlysignssomeportents · 6 years

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Disruption for Thee, But Not for Me

http://locusmag.com/2019/01/cory-doctorow-disruption-for-thee-but-not-for-me/

The Silicon Valley gospel of “disruption” has descended into caricature, but, at its core, there are some sound tactics buried beneath the self-serving bullshit. A lot of our systems and institutions are corrupt, bloated, and infested with cream-skimming rentiers who add nothing and take so much.

Take taxis: there is nothing good about the idea that cab drivers and cab passengers meet each other by random chance, with the drivers aimlessly circling traffic-clogged roads while passengers brave the curb lane to frantically wave at them. Add to that the toxic practice of licensing cabs by creating “taxi medallions” that allow businesspeople (like erstwhile Trump bagman Michael Cohen) to corner the market on these licenses and lease them to drivers, creaming off the bulk of the profits in the process, leaving drivers with barely enough to survive.

So enter Uber, an app that allows drivers and passengers to find each other extremely efficiently, that gives drivers realtime intelligence about places where fares are going begging, and which bankrupts the rent-seeking medallion speculators almost overnight.

Of course, Uber also eliminates safety checks for drivers (and allows them to illegally discriminate against people with disabilities, people of color, and other marginalized groups); it used predatory pricing (where each ride is subsidized by deep-pocketed, market-cornering execs) to crush potential competitors, and games the regulatory and tax system.

Uber (and its Peter-Thiel-backed rival Lyft) are not good companies. They’re not forces for good. But the system they killed? Also not good.

In 2016, the City of Austin played a game of high-stakes chicken with Uber and Lyft. Austin cab drivers have to get fingerprinted as part of a criminal records check, and Austin wanted Uber and Lyft drivers to go through the same process.

Uber and Lyft violently objected to this. They said it would add a needless barrier to entry that would depress the supply of drivers, and privately, they confessed their fear that giving in to any regulation, anywhere, would open the door to regulation everywhere. They wanted to establish a reputation for being such dirty fighters that no city would even try to put rules on them.

(Notably, Uber and Lyft did not make any arguments about criminal background checks perpetuating America’s racially unjust “justice system” in which people of color are systematically overpoliced and then railroaded into guilty pleas.)

Austin wasn’t intimidated. They enacted the rule, and Uber and Lyft simply exited the city, leaving Austin without any rideshare at all. All the drivers and passengers who’d come to rely on Lyft and Uber were out of luck.

But the drivers were undaunted. They formed a co-operative and in months, they had cloned the Uber app and launched a new business called Ride Austin, which is exactly like Uber: literally the same drivers, driving the same cars, and charging the same prices. But it’s also completely different from Uber: the drivers own this company through a worker-owned co-op. They take home 25% more per ride than they made when they were driving for Uber. Uber and Lyft drivers commute into Austin from as far away as San Antonio just to drive for Ride. That’s how much better driving for a worker co-op is.

I remember when the term “platform cooperativism” was first bandied about to describe this kind of thing. I was at a small, invitational tech conference where nerds, investors, activists, lawyers, SF writers and other technologically oriented types were gathered. I was on a panel about these platform co-ops and I said that I thought Uber would be really easy to replace with a co-op: the riders and the drivers valued the service, not the logo on the app, and plenty of people were happy about the convenience of Uber but unhappy about the creepy, rapacious nature of the company behind it.

An investor in the audience stood up to tell me how full of shit I was: I had no idea just how complicated Uber’s app and infrastructure were, and there was no way a bunch of grubby drivers would ever be able to match its expert coding and administration.

He was so wrong.

But there’s another, better argument against this kind of platform cooperativism: “discovery costs.” I first hailed a Ride car at South By Southwest, not long after Lyft and Uber had exited the city, and everyone going to the festival had been repeatedly warned that they would have to download the Ride app to get around the city (Austin’s taxi fleet hasn’t been up to the SXSW crowds for more than a decade, and never less so than now, having been crippled by Uber and Lyft).

So I was prepared. When I land in another city, the first app I try when I need to get around is Lyft, then Uber (Uber was a godsend in Shanghai, where we were repeatedly cheated by regular cab drivers, but where the Uber app kept everything aboveboard). Some or all of these cities might have co-op rideshares, but there’s no easy way to know about it, and without passengers, there’s no incentive for the drivers to drive for the co-ops, so even when you do try to hail a co-op, there won’t be any drivers available.

Lyft and Uber have moved back into Austin, and their drivers get fingerprinted. I just got my speaker-info package from SXSW for the 2019 festival, and the advice to download Ride before touching down is no longer the top of the checklist. I imagine that most of the attendees at SXSW will be getting around with Uber and Lyft, and 25% of the money they spend will go to those companies’ shareholders, not to the drivers.

But imagine a disruptive app that disrupted the disrupters.

Imagine if I could install a version of Ride (call it Meta-Uber) that knew about all the driver co-ops in the world. When I landed, I’d page a car with Uber or Lyft, but once a driver accepted the hail, my Meta-Uber app would signal the driver’s phone and ask, “Do you have a driver co-op app on your phone?” If the driver and I both had the co-op app, our apps would cancel the Uber reservation and re-book the trip with Meta-Uber.

That way, we could piggyback on the installed base of Uber and Lyft cars, the billions they’ve poured into getting rideshare services legalized in cities around the world, the marketing billions they’ve spent making us all accustomed to the idea of rideshare services.

This Meta-Uber service would allow for a graceful transition from the shareholder-owned rideshares to worker co-ops. When you needed a car, you’d get one, without having to solve the chicken-and-egg problem of no drivers because there are no passengers because there are no drivers. One fare at a time, we could cannibalize Lyft and Uber into the poorhouse.

The billions they’ve spent to establish “first-mover advantages” wouldn’t be unscalable stone walls around their business: they’d be immovable stone weights around their necks. Lyft and Uber would have multi-billion-dollar capital overhangs that their investors would expect to recoup, while the co-ops that nimbly leapt over Uber and Lyft would not have any such burden.

Could we do this?

Yes. Technically, this isn’t all that challenging. Create a service where drivers and passengers’ devices all register unique, per-ride codes, have the Meta-Uber check to see if the driver’s device has just posted a unique code that matches yours, and then use the built-in ride-cancelation tool that’s already incorporated into Uber and Lyft to tear down the old reservation and re-create it with Meta-Uber.

What about legal impediments, though?

That’s where the trouble starts. Tech law is a minefield of overly broad, superannuated rules that have been systematically distorted by companies that used “disruption” to batter their way into old industries, but now use these laws to shield themselves from any pressure from upstarts to seek to disrupt them.

First is the Computer Fraud and Abuse Act, passed in 1986 in part to assuage Ronald Reagan’s panic after seeing the movie Wargames (I am not making this up). CFAA is nominally an anti-computer-intrusion statute, which criminalizes “exceeding your authorization” on a computer that doesn’t belong to you. Even when it passed, more than 40 years ago, technologically clued-in scholars and practicioners warned that this was way too broadly defined, and that someday we might see this rule used to felonize normal activities involving computers we owned, because the computers would have to talk to a server to accomplish part of their work, and the server’s owner could use onerous “user agreements” and “terms of service” to define our authorization. If this became widespread, then these licenses could take on the force of criminal law, and violating them could become a jailable offense.

40 years later, those fears are vindicated: CFAA is used to threaten, intimidate, sue, and even jail people engaged in otherwise perfectly lawful activity, merely because they have violated some term of service on the way. The metastasis of terms of service into sprawling novellas of impenetrable legalese has created a world where anything you do to frustrate the commercial ambitions of digital monopolists is a potential criminal offense.

Then there’s Section 1201 of the Digital Millennium Copyright Act of 1998, a Bill Clinton bill that creates a felony for “bypassing an effective means of access control” (AKA Digital Rights Management or DRM) for copyrighted works. Twenty years ago, the proponents for this bill argued that it would be used to safeguard certain marginal commercial technologies: under DMCA 1201, it would be illegal to bypass the region controls on a DVD player, allowing movie studios to force you to buy your DVDs in the same place where you bought the player – it would also allow Sega to force you to buy your Dreamcast games on CDs that came from official Sega pressing plants, rather than direct from the games’ authors, ensuring that Sega would always get a share of the revenues from the sale of games you played on your console.

Again, experts warned Congress that DMCA 1201 was way too broad and would be ripe for abuse, as software crept into more systems. Again, the experts were right. Today, DRM is used to force people with artificial pancreases to buy proprietary insulin and people with inkjet printers to buy proprietary ink; it’s used by car manufacturers and phone manufacturers to control who can make parts for their products and who can service them; it’s found in voting machines, tractors, thermostats, virtually every device with software, and it has no connection with copyright enforcement. Rather, it is used for “business model enforcement,” to ensure that disruptive, but legal, ways of using a product or service are made illegal – from refilling your printer’s ink cartridge to getting your car or phone serviced by an independent neighborhood repair shop.

Together, the CFAA and DMCA have given digital businesses access to a shadowy legal doctrine that was never written by Congress but is nevertheless routinely enforced by the courts: Felony Contempt of Business-Model.

The CFAA and DMCA 1201 have been carefully distorted into defensive, anti-disruption shields that are only available to digital businesses. Taxi medallion owners can’t use the CFAA and DMCA 1201 to keep Uber and Lyft out of their cities.

But Uber and Lyft could use these legal tools to keep Meta-Uber out of their bottom lines. Uber and Lyft have lengthy terms-of-service that set out the rules under which you are authorized to communicate with Uber and Lyft’s servers. These terms of service prohibit using their servers to locate drivers for any purpose other than booking a ride. They certainly don’t permit you to locate a driver and then cancel the booking and re-book with a co-op app.

And Uber and Lyft’s apps are encrypted on your phone, so to reverse-engineer them, you’d have to decrypt them (probably by capturing an image of their decrypted code while it was running in a virtual phone simulated on a desktop computer). Decrypting an app without permission is “bypassing an effective means of access control” for a copyrighted work (the app is made up of copyrighted code).

Uber and Lyft can use DMCA 1201 to stop you from figuring out how to use them to locate co-op drivers, and they can use the CFAA to stop you from flipping your booking from Uber to Meta-Uber.

There are a hundred other Metas we can imagine: a Meta-Amazon that places your order with the nearest indy bookstore instead; a Meta-OpenTable that redirects your booking to a co-op booking tool.

Every single one of these co-ops would disrupt a digital monopolist who came to power preaching the gospel of disruption. Every single one of those digital monopolists would switch to the aggrieved bleats of a bewildered incumbent apex predator snarling and twisted impotently as its flesh was rent by a thousand tiny bites from swarms of fast-moving, highly evolved successors.

But we never get to bring those lumbering relics down, not so long as felony contempt-of-business-model is still in play in America. Until then, disruption will always be for thee and never for me.

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measuringlife · 5 years

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Measuring Me: Buuuut After This Week Things Will Slow Down a Bit

Week of August 4: My Birthday! And Bad News

Lots of celebrations including friend visiting from all over the place. I get a call while at the African American History Museum while touring with dear friends and their baby who are in from Boston that my Mom is in the hospital with a broken hip. Kept birthday festivities scheduled as planned, including Jazz in the Garden with a wonderful crowd of friends who made me feel so supported and loved.

Week of August 11: Long Island NY - Round 1

I flew up to NY on Sunday night towards the tail end of my Boston's friends trip. It was grueling deciding if I should rush up there or not, but looking back I made the right decision. I couldn't handle all the business I needed to handle until Monday anyway. It was a flurry of hospitals, rehabs, doctors, etc. There was also going into my Mom's house after having not been inside for close to 2 years. My sister and I who had a falling out in the spring, made amends and were off to the races. Banks, respite housing, lawyers, notaries, a lot was handled in a short bit of time. Let's not forget I flew back to DC on Wednesday with a new addition, my mom's 4-year-old Chorkie (Chihuahua/Yorkie), Louie is ours indefinitely.

Week of August 18: Fall Welcome Events, and Senior Living Tours

When I wasn't running 3 large orientations, onboarding a new grad student, supporting other major Welcome/Back to school events I was researching and email independent senior living communities near-ish me. Mom was surprisingly agreeable to not go back to the house she's lived in for 40 years and move down to be near me. However, finding the right spot was a multistep task. I wound up visiting 3 places this week and 2 more places the next. I also squeezed in a Hanson concert, and ACA meeting, a 90-minute massage as well as a mani/pedi this week. I've learned I need to take care of me before I can take care of anyone else!

Week of August 25: Grad classes, Vet visits, Musicals, Wedding calls, More Senior Living Tours, and back up to NY

This week was the first work of classes where I work, which was also the first week of classes for me as a brand new grad student! I had 2 classes, one Wed and one Thurs from 5:30pm-8pm. I actually had to race out of my first class which thankfully let out a little early to uber to the Kennedy Center to see am 8pm performance of Dear Evan Hansen - it was amazing! I also visited the last 2 senior living options for mom that week and had 2 Lisbon-based wedding planner calls. One planner was great, but her price tag was steep. One planner was rude and made me feel dumb. I had a wedding planning meltdown, but had a good chat with my dear friend SC who helped me re-group. I've been building (and will continue to build) a nice pot of wedding/honeymoon money. However, when I think about all the side hustles and sacrifices I've made for a lot of this money I don't want to blow it on "a party" that usually has more bells and whistles than we are interested in. So I'm hoping to plan a celebration vacation with loved ones and I'm working with a travel agent friend of mine. I spent Labor Day weekend back in NY, this time I drove - I left as the sun rose on Saturday morning and had a full weekend of bank nonsense, errands, got Mom settled in her "respite" stay at an assisted living community, went over senior living options with Mom, and going through my childhood bedroom - including my sister and I wearing our prom dresses. We took Freddie off all his meds because he health has not been improving and it seems the meds were only making him feel sicker - the change has actually seemed to help outwardly, but still super stressful. Also, poor Louie got neutered this week and was in a cone of shame for 2 weeks!

Week of September 1: NY, Grad School, Hiking, and Pump Official

I was in NY until Tuesday and then drove back down, I had another week of two grad classes, but after sitting through my second nutrition class I was sure that it was too much science and more work than I could handle. I ended up dropping that class before the add/drop period ended and felt relieved. I did another visit to Mom's top two senior living choices to view the exact rooms that were open. I also made time for fitness. I got a permanent gig teaching Body Pump on Fridays at 6pm, I had been long term subbing the class since April, but the instructor decided to give it up and I got to take it over! The half-semester Urban Hiking class I teach started this week, which has once again proven to be a delightful highlight in my life! I also squeezed in another concert too!

Week of September 8: Fitness, Mercedes Bastards, Injury, and Friend Dates

I kicked off the week with an all-day AFAA (Athletics and Fitness Association of American) continuing ed workshop that I had already postponed once due to my crazy schedule. It was really great though, I'm glad I went. I signed papers on a place for Mom which didn't come without its own Mom drama - but at least it was relatively mild. I squeezed in a couple of friends dates: manicures with AL, walk with LH, and a dinner date LB. I was still chugging through my one grad class, but having some concerns about if this program was the right direction for me, it's much more Public Health-oriented than the Fitness and Wellness aspect of health I'm truly interested in. I had a bunch of petsitting clients and have had them during all the previous crazy weeks. I already separately about the ordeal with my Mom's leased car, but Mercedes are crooks! I had toyed with officially taking over the lease, but there is like a $1500 transfer fee that "they can't waive." There's no way they are getting a penny more than we have to pay. I made a bunch of calls to NY based insurance folks I know as well as talked to my mom's insurance agency and my insurance agency to make sure when I start driving her car everything is squared away. Also, this week my colleague aka one other coworker because I manage an office of two had a personal injury that had her out of the office for about a week. As I well know, life happens, but it started to feel like when it rains it pours....

Week of Sept 15: Drag Brunch, Euro Trips, a Resignation, and Back to NY for an Explosive Visit

I kicked off this week with a highly anticipated Sunday Funday with some fabulous work friends. I got all dolled up and headed to a drag brunch in DC which led to gay bar-hopping on a beautiful afternoon. Despite making my way home at 6pm, I still felt like trash most of Monday, but thankfully I was off. I did have my first celebration vacation in Portugal call with my friend DR who is a travel agent. It was a really exciting call and the fact that I know DR already makes things a lot easier. We have a plan for me to make the most of my scouting trip in November which is a relief. I was having a particularly busy week and was just pushing through until we get Mom moved, when my coworker (aka person 2 of our 2 person department) drop a bomb on me, she got a new job and is resigning effective 10/10 which is 3 weeks notice. I can say I'm surprised she's a great employee, had a tough job, and has been with me for almost 2.5 years. I was more shocked by her not giving me any sort of heads up. I went to a tailspin back in Jan 2017 when the other half of my office left and I was alone. Thankfully I am not 5 months into my job like I was then, this time of year is honestly "the best" time to be short-staffed and I am looking to do a re-org that hopefully would make things even better in the future. However, it means a lot more work on me all the way around. I head back to NY via train this time! I actually had my Urban Hiking class start and end at Union Station which made for a great hike and for me to easily make a 4:15pm train. Saturday night was just pizza and wine with my sister. Sunday we headed to Long Island to see my Mom. We needed a durable power of attorney signed - the one we did when my Mom was first in the hospital didn't cover as much as we need and my sister and I need the power to act on my Mother's behalf independently since I'll be handling VA business and my sister is handling NY business. My sister has a friend who is a notary and the friend was also going to on LI visiting family and agreed to come to Mom's assisted living place to have us all sign paperwork. Well, my Mom out of the blue demanded cigarettes and wine before agreeing to sign the papers. This was extremely hurtful. Most of you know my Mother is an alcoholic. Did she fall down down the stairs and break her hip because she was drunk, it's possible. Has her drinking made my life a nightmare especially the last few years? Yes. Having her hospitalized and in the care of others meant she wasn't drinking, she was actually taking her meds, and she had company and therefore didn't need to call me all the G-D time. Well, apparently my Mom's sister bought her cigarettes the week the before (WHY?!?!). My Mom was having bullshit anxiety over an eye doctor appointment because for the 15th time she's convinced she's going blind (she's not, she's fine). She NEEDED the wine and cigarettes and threw a tantrum right in the lobby, right in front of my sister's notary friend (who at least knows some of my Mom's craziness), it was horrifying and embarrassing. My sister started crying and here I am trying to keep it together. I tried to explain to Mom that her drinking was hurtful to us, especially since we've both dropped everything to tend to her situation. I explained that it feels like she is choosing wine over us and she didn't deny it. I needed these papers signed so I conceded and said after we did house stuff that day I'd take her to buy cigarettes, but I don't want to be anywhere near her when or soon after she's been drinking. After some more bank business and errands, I dropped her at a liquor store (walker and all) to get herself her precious wine. I told her I needed to cool off and needed a break from her for a few days, I would call her when I was ready.

Week of September 22: Grad School Drop Out, Wedding Planning, & Car Sales

As I drove back to DC on Monday knowing that I didn't get a chance to do my reading for grad school or work on a paper, I felt stressed (plus the stress of driving my Mom's brand new Mercedes 300 miles to DC as essentially it's maiden voyage). I have so much stress on between Mom stuff, being an office of one, wedding stuff and just general life I was at my max. The class was something I could do something about. I emailed the professor asking for an extension (I automatically have more compassion for my students now), but also let him know I was investigated dropping the class. Since add/drop and the refund period was over I was worried that since this class was being paid for my employer's tuition benefit that there might be some major financial implication. I reached out to the department chair and the HR benefits lady. The way the benefits work and the fact I hadn't used them before means I'm not on the hook for the $5000+ tuition or any of the taxes related. There is only a $27 gap that I will pay taxes on, OKAY. So I dropped the class and ultimately withdrew from the grad certificate program. I feel major relief, not only over this semester, but over the next 2 years that I had penciled in grad school for. I quickly realized that the AFAA professional development workshop is more in line with what I want than anything overly academic - I mean I already have a masters. I think eventually may get an AFAA nutrition certificate which is far less intensive and way more applicable than the route I was going to take. Now with my Wednesdays free again, I was able to make my triumphant return to my Adult Children of Alcoholics (ACA) meeting and I was so happy to be there with my people. I also tried to carve out more time this week for wedding stuff. Talked through my new vacation celebration idea with some friends who will be on the invite list, talked more with my travel agent D, and with my friend DM who is traveling with me for the scouting trip. I'm feeling more focused and ready to make decisions. I also sold my 2007 Camry to a coworker who happened to be in the market for a reliable used car, just as I was learning that I would be driving my mom's car and therefore wanted to sell mine. We hit a couple of snags, like the fact that my car's aftermarket tints that came on the car when I bought them were too dark to pass MD inspection. Or that I needed to sign the back of the title over to my friend, the buyer. She learned AFTER spending 3 hours at the DMV, oops! I cleaned the car out and removed my stickers from the window and bumper - that 26.2 sticker did not want to budge!

What will the next 2 weeks hold is yet to be fully seen, but here's the summary I'm expecting

Week of September 29: Senior living lease signing, 1000 last-minute Mom things, ACA, Running a 2,000 person Family/Alumni Weekend, Teaching my last Urban Hiking class of the semester and driving to NY with my fiance T and Freddie (we don't Louie thinking he is going back).

Week of October 6: Pack up the stuff that's going to VA with my Mom in a U-Haul van T is driving, I'm driving my Mom down (AKA the woman who hasn't left NY state in at least 10 years), move her into her new place, have two last days in the office having transition meeting with my colleague before she leaves on 10/10, I also have birthday celebration plans for T and my friend SL whose birthdays are this week. Also, it's my Mom's birthday so I imagine we'll be taking her out.

#MLvulnerability MLabout

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lindoig8 · 3 years

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Wednesday-Friday, 15-17 September

I mentioned going to dinner at the Beach Club when we arrived in Onslow last Sunday and the fact that Heather had seen an advertisement on the drink coasters. It was for a regular 3-day excursion to the Mackerel Islands that we had never heard about. It sounded interesting so we did some research and got very enthusiastic about going there. After quite a bit of reorganisation, we booked and are now going out there next week. Not sure if there are any Mackerel Islands, but we will be on Thevenard Island, one of about 8 in the group. We suspect that Mackerel Islands is just a trading name used by the company that leases at least some of them.

The ferry leaves from Onslow, but we have a few days in Exmouth before that so will come back to Onslow for a couple more days and leave our van connected to power in the van park here while we are out on the island. We have become quite excited about it and it is probably the final straw that will see us cancel our proposed Ningaloo expedition next year. This will probably substitute for it and we may even visit the Abrolhos Islands next month as well - we are still looking at other options too.

We were anticipating a long drive today (actually only 420 kilometres so not really huge) so we planned to get away a little early - but with one thing and another, it was after 11 am before we started out and we needed to get some fuel. That turned out to be cheaper than expected because I think someone else paid our bill and we paid theirs. We bought 111 litres but only got billed for 106. I suspect the woman taking our money had billed the guy ahead of us for our fuel and we got his slightly smaller bill. We drew it to the woman’s attention, but she said she couldn’t change it so we got almost $10 of fuel for nothing.

Then it was basically a long hot drive east, back to the highway at Nanutarra, south past Yannarie, west to Bullara, north to Exmouth and back south-west to Yardie Creek where we are camped. It was basically a big (square) circle to bring us back to only 106 kilometres as the crow/raven flies from where we started.

Thursday

It was a very wild night with extremely strong winds and I had to get up at 3 am to roll in the awning. The wind kept up until early afternoon, but surprisingly, it didn’t seem to make a huge difference to the sea – it still seemed rather benign despite the gale blowing.

There are quite a few places between Yardie Creek Station and Exmouth where you can access the beach so we explored most of them on our way back to Exmouth. One of the first we called in at was Bauden beach - probably the most interesting one. There was some beach there, but there was a broad fringe of rocks and we spent some time exploring them. The tide was coming in so we eventually had to retreat, but the rocks had an interesting array of shells, corals and other rocks embedded in them – actually now part of the rock itself. There were other intricate imprints of elaborate sponges and other marine creatures on the surface of the rocks, but how the rocks had captured the shells and other items and grown around them was quite a puzzle. They were obviously not ancient fossils: rather they seemed to be quite recent developments – probably in years rather than centuries ago.

We called in at quite a few of the other beaches, but none were as interesting. The whole coastline is called the Jurabi Coast after the three species of turtles that nest there – and we were only a week or two early or we probably could have seen them. There is a turtle display at one place and we walked in to see it – but we explored this area pretty well 4 years ago so were more interested in the few birds and interesting flowers than the turtles this time.

We drove up to the Vlamingh Head Lighthouse that affords fantastic views across the ocean and back to Exmouth – probably at least 300 degrees. We ate our lunch there and reread many of the interpretive signs there – about turtles, World War II, the North-West Cape Communication site and other items of possible interest. Last time we were there, we saw dozens of whales a long way out to sea (you can see for many miles so high up on the headland) but this time, we didn’t see any.

We drove out to the wreck of the Mildura, quite a lot of which is still visible and quite close to land. That was interesting and one thing we read was that it has the distinction of having been fired on more times than any other ship in history – although there was not a lot of detail about that. For me though, it was also interesting in that I saw 4 more bird species on the beach to add to our trip-list.

We ended up in Exmouth town (about 40 kilometres from Yardie Homestead) where we bought a few groceries (there are two IGA supermarkets almost immediately opposite each other across a narrow mall – odd that they are competing so close together) and we took our purchases back to the car. It was very hot and I had seen a craft brewery a little further along the mall so we left our groceries to cook in the car while we enjoyed a very cold drink at the bar. The beer didn’t have a lot to recommend it apart from being icy cold, but Heather had a cider that really was nice.

Friday

It was very windy again and I had to wind the awning in at 2 am. Getting up to do this disturbs my sleep, but it is still preferable to laying awake waiting for the next gust to crash the frame into the bracket on the van or flap the canvas loud enough to wake people 4 or 5 caravans away.

We decided to do something similar to yesterday’s explorations, but in a southerly direction today. Before we started though, we drove a little way north to where there were a couple of tracks towards the hills (away from the ocean). We drove in on a very narrow winding track that just got worse and worse until we could see ahead to more than half a continuous kilometre of very rough rocks that really didn’t warrant the risk. Next trick was to find a place to turn around – I think it was a 9-point turn before we were eventually heading back to the main road.

We turned south and paid our entry fee and drove into the National Park and checked out a few of the ocean access points as we ventured 50 or more kilometres, but nothing really appealed to us. They were all essentially surfing spots with the carparks crammed with free-campers and surfers’ utes and wagons. We got out and looked at the beach a couple of times, but long sandy stretches with nothing to see just don’t excite us. We did find one track that headed away from the beach into a gorge and ate our lunch before exploring the area further. I then found a sign that persuaded us not to attempt to go into the gorge itself. I can’t recall the exact details, but it warned of steep rocky climbs with a high degree of difficulty and I think it was about an 8 kilometre trek taking 4 to 5 hours – definitely not something we wanted to tackle in close to 40 degree temperatures.

We eventually drove back to Exmouth to check out where we had to go tomorrow (more on that later) and found a sign to Pebble Beach on the outskirts. We drove in there and the whole beach is composed of small, white rounded stones, interspersed with patches of sand that runs for at least a few kilometres in both directions. We drove several kilometres along the beach and it was quite fascinating. We arrived at a place where the track became very sandy and there was an area of water just inland from the track. It really isn’t a formed track – just an whole series of wheel-tracks showing where previous drivers had felt offered the safest way through – and we didn’t think it likely that the next corner would offer anything more interesting so we turned back again. We added one more species to our bird list along the way – a Crested Tern, not uncommon, but surprisingly, the first we had seen since leaving home.

Driving back through Exmouth, we saw a Caravan Shop and called in and made a couple of small purchases – the main one being a new door handle assembly that we have been looking for during the past couple of weeks. I also got a little tutorial on how to replace it so that is scheduled to be a priority once we return to Onslow after our Island adventure.

The first thing I did when we got back to the caravan was to roll in the awning. I definitely didn’t want to get up in the middle of the night to do that! Needless to say, it was a wonderfully calm night with hardly a breath of wind from dusk to dawn and after.

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ayz8yf9q-blog · 5 years

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Car insurance?

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thechristinahackett · 6 years

Text

In His Basement

I needed a new beginning, something new. I was asked to re-locate 2 hours away from home and I was ready for it. Career was something I was really focused on, everything else would simply come together eventually - The optimistic in me.  I didn't know anyone and I had exactly 2 weeks to find somewhere to live before I started my new job. Finding a roommate didn't work out and after living with many questionable roommates, I needed my own space.   I just came out of a crisis, I was missing something. A sense of adventure, I was looking to learn something new, gain new experiences. I was optimistic and ready to go.   I came across a quaint apartment on Craigslist and e-mailed stating I'd like to arrange a time where we could face time so I can virtually see the place. It was all inclusive and 10 minutes from work. This was exactly what I wanted after having terrible roommate experiences for the most part of my 20's.   We arranged a time to chat - A gentleman around his late 40's answered the video chat. His name was Ron. He explained to me what the apartment building itself was like and made it sound like he lived in a separate apartment in the house itself.

He showed me the basement. He quickly went over the kitchen and storage room but really empathized the newly upgraded washroom and bedroom.  The room was quite large - largest room I would ever live in were my thoughts exactly.   I told him I'd be interested in renting the unit.   A week before moving day, I finally got to visit the unit.  I already paid first and last, so there was no going back. This trip was for decorative measures.   He brought us thru the front door and showed us his living space - where I later found out he would share with 3 university students upstairs.   He also brought me up to his room, just to show off his part of the house. He lived in the attic, with a single bed without any sheets on the mattress with multiple stains on the comforter. He also had a little make-shift loft for his son who would come to visit once a week.  After his personal house tour, he took me to the basement. It didn't look like the layout I saw on face time, he had wonderfully played off the kitchen- one that didn't have a sink nor a hood over the oven.  The space I wanted to call a living room ended up being a place where all the other tenants were to store their items.  In the washroom, there was a door to a wine cellar, he didn't show me this door via facetime so when I opened the door I was a little push back with a dark, cold and empty cellar was right there beside the place I'd shower.  The hallway that led me to my bedroom was also the laundry room where it was stated that it was a common space.  I was very disappointed leaving my new home after my initial visit, but I was so ready to leave everything behind and try something new. Plus I spent all my money on first and last so I was stuck from the get go.    Fast forward to September 1st, move in day. Nobody was home, but I received a message saying the keys were in the BBQ. As I finally unlocked the door for the first time, I realized how old and unstable the lock felt. In the bbq I found 4 keys - which I had no idea what these keys were there for.   I went to close the door behind me but the door wasn't closing. I noticed if I wanted to lock the door behind me I had to use one of the keys. After trying all 3 keys, of course the 4th one worked. I walked into the basement to analyze my new situation, I noticed a few dents near the bottom of the stairs to the front door but didn't think anything of it.

Curiosity had the best of me, so I checked the cellar. I noticed red stains that I didn't notice before.

At the time, I realized I was in some sort of euphoric state of mind because there were so many red flags starting off the bat.

Within the first two weeks, I had a wasp infestation and literal human shit come up the drain. Eventually, the wasp went away (thank you winter) and I didn't see any more literal shit come up, so I thought the nightmare was finally over. - When I brought this up to him, he brushed it off his shoulders and put the blame on me.

Flash forwarded to Christmas time  Everyone left for the holidays besides Ron and I. A few times, he asked if I wanted some company and to have a drink with him. On multiple occasions I said no.   A few nights before Christmas, Ron had a friend over.  Him and his guest were having some drinks and talking quite loudly. I decided to watch a movie and head to bed.   I woke up around 3 am to a woman screaming. I messaged Ron, to see if it was from inside the house or if I was delusional.   The next morning, I woke up and I noticed a bottle of wine in my kitchen with a note attached "Sorry for being loud last night."   I chuckled, thinking it was for sure a woman screaming from pleasure and not from terror.   Since that night, I had an eery feeling about him something wasn't right.  I had nightmares that felt so real of him standing over my bed watching me at night and coming into my room and trying to touch me while I slept.   Eventually, he started dating a girl - The girl I assumed was screaming horrifically around Christmas.   Winter hit hard and Ron had been quite manipulative in the way he spoke to myself and by the sounds of it with the other girls in the house too.  He went away for 2 weeks and within that time the heat didn't work and we experience multiple power outages. I was sleeping in a unit that was as cold as the -25 weather outside. I slept with a coat on.   A man came to inspect our boiler, as he inspected it he observed the size of the heater. "There is no way this small boiler will heat your entire home."   Great. The ground hog didn't see his shadow so no doubt there were 6 more weeks of winter left.

I was out most of the time, either crashing on the couch at a friends place or staying late at work.   The girls and I kept in contact while all of the heating/power issues were going on.  Ron arrived home, angry and frustrated that we ruined his vacation by simply implying his house was unfit to rent. He would play his guitar late into the night and slam every door in his path. He would make crude comments and constantly put any problems we brought up aside.  One of the girls mentioned that there was a girl living in the basement when they looked at the house but she quickly decided to move out as they were moving in.

An anonymous tip was sent to the fire marshal and he showed up at the house. The fire marshal gave Ron a large list of things he had to fix. He was angrier than ever not knowing who made the anonymous tip.   He made a point saying that his house was the best house on the street with the latest and greatest technology - Meanwhile the thermostat had batteries that actually were corroded which made sense why the heat wasn't working for so long. Even after he changed the thermostat, the basement never went above 20 celsius.   He was more uptight than ever afterwards. I was instructed that I was no longer able to make toast, cook on my stove nor could I even use the microwave.   The other tenants, didn't feel right with sharing their kitchen with me (mostly because they wanted to make the "we didn't sign up for this" point and I agreed.   I was too afraid to mention anything about my rent and how I was still paying the same price and had nothing but problems. I had a feeling that he wouldn't like it very much.

Spring hit, I found out the girls upstairs had an 8 month lease and were leaving in a few days. I had just dealt with a minor flood in the basement, luckily in the kitchen space I wasn't allowed to use anymore.

Ron offered me cheaper rent to live upstairs since i've had nothing but problems downstairs. I had a feeling I should stay where I am comfortable and that was not living around him.   After the girls upstairs moved out, Ron offered to leave the door to the living space so I could actually cook food again. At first I was hesitant, but I was over spending $40 a day on breakfast, lunch and dinner for the last two months.   I had a feeling I was scammed, being dishonest and I should stay away.  After the girls left, things got worse.  Ron and his girlfriend broke up and he was drinking every night. I would go to cook dinner and he'd be drunk on the couch trying to start a conversation with me. I was nervous around him.

One night I wanted to make home made spaghetti and I dropped a few pans coming up the stairs and he yelled at me for an hour and a half for being more careful and more respectful in his house.   The next day, he noticed a chip on the stairs and assumed it was from me dropping my pans. I was coming out of a shower and he was filling up the laundry machine with clothes. He saw me walk by and asked about the chip - To say the lease about the stairs, they were old and he had just painted them a bright Christmas green. He proceeded to yell at me while I was in a towel. I eventually started crying and told him I couldn't have this conversation in a towel.   I went into my bedroom and felt humiliated. I cried until I had to go to work. His car was blocking mine in so I had to talk to him again to move it.  I went up to the front door and knocked. When I heard the door turning my stomach went into a huge knot.  I asked him to move the car, he smiled at me.  "Not a problem" was his only answer.   That night the nightmares were back. I had woken up 3 times during the night thinking I saw him at the corner of my bed. I would cover myself with two pillows, suffocating me until I went back to sleep.  I started to do investigating every night wondering how I could escape this lease. I would spend hours trying to find out everything about him and the history of the house. I became an insomniac.

Throughout the night, I would hear the floor creek, doors open and close.  I went to City Hall the next morning after finding an article on rental licenses and basements. Turns out it's quite hard to meet the requirements for a basement let alone a whole house.   I went up to the clerk at city hall and asked to see documentation from previous house inspections. The report from the fire marshal was the most surprising, it simply states that the basement was a fire hazard and in-fact nobody should be living there. The clerk also brought to my attention that he doesn't actually have a rental license.  I was furious, I went home to speak to Ron about my finding and inform him that I will be taking legal action.  The second I finished my sentence, he smiled at me and said that's fine and that he would be reference for my next place and provide me with last months rent back. He than offered me a drink. I was so nervous about having this conversation with him especially from the previous interactions. I thought I should take him up on his offer.  We chatted about life, his line of work and the business I was running. We talked about life and his relationship that ended a few weeks ago.  I had two drinks before I decided to get ready for bed.   Finally, a moment of relief I thought to myself heading down the stairs. I was finally ready for bed and was quite tired. Within 7 minutes I was completely knocked out.

I woke up in the middle of the night and saw a figure in the corner. This time, I felt the need I had to pinch myself. It felt very much like the previous dreams i've had that felt so real. I wanted to make sure it was actually a dream.   I pinched myself, I was awake. I turned on the light and Ron was standing right in front of the door with a knife, smiling.

My heart instantly dropped to my stomach. I had a tool box near my vanity table with a heavy duty hammer. I lunged towards my vanity table, opening up my tool box as he quickly made his way to stop me.   He grabbed my foot and tugged me away from the toolbox. My hands grasping the open tool box trying my hardest to reach for the hammer.  He slashed my right shoulder with the knife and hopped on top of me while I screamed. With my left hand, I clenched the hammer and started swinging. I swung my hammer towards his left hand - the hand holding the knife. He dropped the knife, I hit him so hard I could already see the bruise forming in his arm. I swung again, this time hitting his throat - missing my main target - his head. He was breathless. I had no intentions of killing anyone. I just wanted to escape.   I frantically looked around my room for my keys - which were completely out of sight.   Ron started to get back up, I had no choice. I swung my hammer at his head and he was knocked out.  I checked his pulse, it was still going.   At this point, I was looking for my phone and keys. My heart was pounding not knowing how much longer I had before he woke up.   I decided to go into the washroom in hops i'd find my keys between the three places I usually place them and break the window in the washroom to escape. I locked the door behind me. The windows had a foggy layer - for privacy. Once I broke thru the first layer of the window, I noticed bars. I officially felt like a prisoner.   I knew if I wanted to escape I would have to find the key. I went to my kitchen and grabbed a fillet knife. I was dizzy from the loss of blood. My right shoulder growing more and more sore as I tried not to move it much.

I went back into my room, Ron was gone. I locked my bedroom door, clenching the fillet knife. I opened my bedroom window and cut threw the screen, I dragged the chair from my vanity table to allow myself to hop out of the window.   I started to climb out the window and then all the sudden, I heard Ron use all his body force against the door.   I threw the knife away - because I'm not an animal who runs with a knife.   I had no idea where I was going. It was around 5:30 am in the morning on a Tuesday night. The dark sky started to lighten up, yet nobody was around.   I knew I was safe because I parked in front of his truck. There was no way he'd be able to get out to find me.   My feet started to hurt from sprinting on the concrete with no shoes on and possible glass shards shooting thru my foot. I was bloody, cut up and screaming at the top of my lunges hoping someone would hear and call the cops.   I came across a park, I decided to walk on the grass to give my feet a break and maybe i'd run into someone with a phone - It's common to see joggers this early, I thought to myself seeing people do that in movies.

I caught my breath.

I was limping, the adrenaline from what I had just experience and the lack of blood in my system, I fell to the ground.   I woke up in a dark, cold room.   All I had was a thin pillow and one granola bar, a cup of trails mix and a bit of water. How humane as I laughed at the satire that had became my life.  Where was I? How did Ron get ahold of me?   I tried to open the door but it was completely locked.

The room was so small, narrow and yet, so familiar. This must be the end. I was confused, scared and ill.- I didn't have enough energy in my system to scream again.

I fainted from taking it all in.

The next time I woke up was from the heat. Can't I finally just die already? The room was humid, I couldn't breathe. I crawled over to the door and felt the door. I could feel how intensely hot it was getting.  If the house was indeed on fire like I presumed it was - I was thankful some how the smoke never got in.   I took my very thin pillow and curled up into the furthest corner from the door. I used the very thin pillow to cover my face and cover my ears.  I weeped in his basement one last time.   I woke up 2 months later in a hospital bed, day by day trying to recall everything that happened, every red flag I missed, every mistake I made.

Where is he now? Is he alive? How did I make it out alive? How did he find me? How long was I out for?

Sometimes, we experience things to learn from their mistakes, to see signs more clearer, to observe more keener and to take action before the consciences.

#horror #creepypasta #horrorstories #amwriter #askagent #askeditor #wip #thursdaythoughts

0 notes

antionetterparker · 6 years

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Mary Kay: Is there a pink Cadillac in your future? [Review]

Mary Kay is one of the best-known beauty multi-level marketing companies in the world…

And the most popular.

When it comes to cosmetics direct sales, Mary Kay is almost #1 (we see you, Avon).

Shoot, when it comes to MLM, they’re almost #1 with all the other “big daddys” (up there with Herbalife and Amway).

But is it right for you? Keep reading to find out.

FAQ

1. What does Mary Kay sell? Mary Kay sells skin care, cosmetics, body care, fragrance, and men’s grooming products.

2. What are Mary Kay’s most popular products? Mary Kay’s flagship product is their skincare, which was designed to keep the skin looking flawless at any age. Their TimeWise Repair Ultimate Volu-Firm Set, which they’re calling the ultimate age-fighting regimen, is especially popular. It includes a foaming cleanser, lifting serum, day cream sunscreen, night treatment with Retinol, eye renewal cream, wrinkle filler, and facial peel.

3. How much does it cost to join Mary Kay? The Mary Kay starter kit costs $100 and includes full-sized demonstration products, samples, brochures, DVDs, and special offers, all in a feminine briefcase-style bag. You’ll also need to pay $30 to enroll in the Mary Kay Personal Web Site program.

4. Is Mary Kay a scam? No, Mary Kay is a legitimate business selling quality skin care and makeup. It also looks like they’re trying not to oversell the business opportunity of selling Mary Kay. Their website promises that having a Mary Kay business can give you freedom, but they also acknowledge that directors have worked hard and made sacrifices to achieve their success.

5. What is Mary Kay’s BBB rating? A+

6. How long has Mary Kay been in business? Since 1963

7. What is Mary Kay’s revenue? $3.25 billion

8. How many Mary Kay distributors are there? 3.5 million

9. What lawsuits have been filed? In recent years, there have been several cases of Mary Kay slapping down Mary Kay “resellers,” people who buy products from consultants who weren’t able to return them… and then sell them on Amazon or Ebay. In 2017, Truth in Advertising found some inappropriate income claims made by Mary Kay or their distributors. [1] In 2015, an employment class action lawsuit was filed by New Jersey state residents who worked for Mary Kay but were misclassified as independent contractors and made to purchase company merchandise as part of their employment. It was dismissed in 2016. [2, 3] In 2006, Mary Kay was ordered to pay more than $26 million in back royalties to TriStrata Technology Inc. for patent infringement. [4] In 2000, Michelle Graham appealed an injunction barring her from selling Mary Kay at her retail locations after terminating her consultant agreement. Mary Kay won. [5]

10. Comparable companies: Arbonne, Rodan + Fields, Jeunesse

So is Mary Kay a thing of the past or should you get involved?

Product-wise, they’re great. They’re classic. Business opportunity-wise, there are much better out there.

Click here for my #1 recommendation

Either way, here’s the full review on Mary Kay.

Overview

In case you don’t fully understand the level of dominance this MLM has reached, here are a few stats for you…

Direct Selling News ranks them as the #6 MLM…in the entire world.

They’re in the billion dollar club, and not only that, but their annual revenue for 2017 was $3.25 billion. For some perspective, direct selling GIANTS Herbalife were at $4.4 billion.

Mary Kay has been around for over 50 years, and they’ve got a mega sales army of over 3.5 million Independent Beauty Consultants.

This MLM has created a worldwide name for themselves and has made countless millionaires out of women all around the globe. Not only that, but they also share the wealth through a number of charitable organizations. The Mary Kay Foundation, their charity arm, has a couple of humble goals….to cure cancer and end domestic violence. All in a day’s work, you know.

So, there’s no question. Mary Kay is one of the biggest, most successful MLMs out there.

But hold up, wait a minute, don’t start dreaming about that rose-colored Caddy just yet.

How much does Mary Kay cost? In order to become a Mary Kay consultant, you must purchase a $100 starter kit. Then, in order to remain active and qualified for the commission plan, you have to sell at least $200 in product every 3 months.

Products

We all know what they sell — beauty products. But are they any good? What makes them so special?

First of all, their products aren’t tested on animals, which is huge nowadays.

They’ve spent years testing, researching, and developing cosmetics, so you know their products are top notch. These aren’t just trending favorites, they’re time-tested, proven favorites. Seriously, their product development team is the size of some small countries.

They’ve also got more than just makeup and skincare, although that’s where their products are focused. But you’ll also find body products, fragrances, and men’s products.

Some of their best-sellers include Lash Love Mascara, their TimeWise 3-in-1 cleanser, their Mary Kay eyeliner, and their Mineral Powder Foundation. They’ve also released a new line of skincare products called Clear Proof that have been doing really well.

On top of that, their products are very reasonably priced. Compared to most major cosmetics brands, Mary Kay is considered affordable, even cheap. Most of their top products are around $12-$18.

Compensation Plan

When you buy into becoming a Pink Lady, you automatically get the title of Independent Beauty Consultant. If you sell well, you can move up to Independent Sales Director and National Sales Director. This is where the money’s at.

We all know the peons at the bottom of the pyramid don’t make good money…or any money at all. This is especially true of organizations as big and reputable as Mary Kay. They bring in a lot of money, sure, but the longer they stick around, the harder it gets to move to the top.

Anyway, the start up kit provides you with some materials to start: a business announcement eCard, a custom color look, 40% off a business kit (which you’re going to need if you’re serious), and 50% off Mary Kay product purchased online.

Yep, you read that right. 50% off. That means you purchase product at half price, re-sell it for full price. For folks that can count, that’s a 50% commission rate on personal sales. One of the best in the business.

Once you move up in rank, you can start earning 4% on the sales of your downline. If you keep shooting toward the sky, you could reach as high as 13% commission on sales that other people are making for you. Not bad at all.

Now, I know what you’re thinking. But how do I get the free pink car?

This is how their most successful distributors rope in new team members time and time again. They show up to Becky’s engagement party in their shiny new Mary Kay Caddy, and eventually one of Becky’s friends asks how she got it. Ba-da-bing, ba-da-boom, new recruit.

Anyway, I’m going to give you the good news first, then the bad news.

The good news is that all top sales people have the option of getting the pink Cadillac as a bonus if they can reach about $100,000 per year in sales.

The bad news? You have to hit 6 figures in sales. This is not an easy feat, folks. It’s going to require a lot of spamming your family and losing all your friends.

The extra bad news? Car bonus incentive programs are basically NEVER a good deal in MLM. If you do somehow manage to sell $100,000 and qualify for the Cadillac, you don’t get the car outright — you get a 2 year lease with Mary Kay paying your monthly lease payments for you. However, if you fall below that requirement, Mary Kay stops paying off your lease and you’re left to shoulder the $800+ monthly payments on your own. It’s a good way to rack up some debt.

Recap

If you HAVE to join an MLM and you’re really into makeup, Mary Kay is an obvious choice. They’ve churned out loads of successful sales women.

That being said, for every successful sales woman they made, they made 100 women go into debt buying product they weren’t able to sell.

Yes, Mary Kay might be killing it…for direct sales. But if it’s money you’re chasing, there’s other stuff out there.

If it’s financial freedom you seek and you like automated ways to build passive income, there are better ways.

Click here for my #1 recommendation

via https://mlmcompanies.org/mary-kay/

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cathrynstreich · 6 years

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What Does A Realtor Do? | 290 Real Estate Agent Duties

CLICK HERE to view in Plain Text nbsp;REALTORSreg; are known for helping people buy and sell real estate, but much of what a real estate agent actually does happens behind the scenes. A goodnbsp;REALTORreg; will make your transaction flow smoothly through each step of the process, leaving the impression that their job is fairly simple. The fact is - that couldnt be further from the truth. This article is designed to put the real estate agent role into perspective. Its a brutal job that doesnt get the recognition that it deserves because most people dont understand how complicated and expensive it is. Being a Real Estate Agent is Exhausting As you read through some of the tasks on the 290 duties listed in the infographic above, it may seem overwhelming. Thats because it is. Full-timenbsp;REALTORSreg; who excel in their careers are high-energy, time-efficient professionals who know how to handle stress and responsibility well. There are definitelynbsp;REALTORSreg; out there who cut corners and do not take care of their responsibilities as well, but they shouldnbsp;not define our industry. The real estate industry is loaded with very impressive professionals with whom I am proud to work with. Its exhausting because real estate agents are constantly absorbing the stress and chaos of the real estate transaction, so that our clients dont feel the pressure. Its one of the main reasons why 87 of REALTORSreg; do not make it past their first year in the business. The work load is much more intense that most people are capable of handling. Being anbsp;REALTORreg; is Expensive On top of the large listnbsp;of responsibilities thatnbsp;REALTORSreg; carry, they also have many expenses to account for. When people see anbsp;REALTORSreg; commission check, they may feel like we are getting rich quick. In reality, the average REALTORreg; earns around $46,000, after all expenses and taxes. This is one of the most misunderstood aspects of the real estate agent role. The typical real estate agent stereotype is usually of someone driving a high-end luxury car, playing on their yacht on the weekends, and occasionally showing up to work to close a big deal and collect a giant paycheck. After being licensed for 9 years, Ive still yet to meet this illusive agent. I think theyre a myth. Much of the money from a real estate agents commission check goes directly into their business and maintaining their licensing. Less than half of it usually goes into their bank account. Here is a list of some common REALTORreg; fees:nbsp; Some Common REALTORreg; Expenses: Broker Fees MLS Fees NAR Fees Eamp;O Business Insurance Extended Auto Insurance Self-Empoyment Tax State Licensing Fees Advertising Fees Showing Service Fees Website Feesnbsp; Assistants Salaries Yard Signs Photographers Videographers Office Supplies Business Cards Property Flyers Electronic Lockboxes Continued RE Education Being anbsp;REALTORreg; Can Drive You Crazy Many people try to start a career in real estate under the assumption that there is easy money to be made here. In reality, it is a brutal business with loads of competition. The paychecks are not large enough to keep people in the business, a fact that is reflected in the 20 success rate for new REALTORSreg;nbsp;. Those who do survive usually do so because they have a passion for the business, and helping people make their real estate dreams a reality. Its a great business to be in, but its NOT EASY So, the next time you worknbsp;with anbsp;REALTORreg;, remember that they are human just like you, and they carry a lot of burden and responsibilitynbsp;in their job. We work long hours for months on end fornbsp;clients with no guarantee of a paycheck. When you understand these things aboutnbsp;REALTORSreg; and let them know that you get it, you can be sure it will put a smile on their face. :) Why Do People Think REALTORSreg; Have An Easy Job? If youve never spent much one-on-one time with a real estate agent, you may not understand how different their job is from the average everydaynbsp;job. Anyone who has ever lived with anbsp;REALTORreg; knows this to be true. They work crazy hours, deal with high-stress situations, and have to survive in an over-saturated industry. In Colorado Springs today, we currently have 4,799 real estate agents registered in our local MLS. Last month, we only sold 1,320 homes for the whole area. There are 2 sides for each transactions, so that means there were potentially 2,640 total sides closed last month. If every agent was given one transaction last month, there would still be 2,159 agents who did not have a transaction for the month. In 2014, the National Association of REALTORSreg; stated that 87 of new agents do not make it past their first year. This is a staggering statistic, but when you consider the cost of being a real estate agent mixed with the competitive environment and the amount of stress that comes from the job, its really not that surprising. Its a fun job with many moving parts, but its very competitive and challenging. Its not for everyone, but for those who are successful at being anbsp;REALTORreg;, our hats off to you. Youre an impressive group of people 145 Common Listing Agent Responsibilities: 1. Prepare Listing Presentation for Sellers 2. Research Sellers Property Tax Info 3. Research Properties Zoning Restrictions 4. Research Neighborhood HOA 5. Research Comparable Sold Properties for Sellers 6. Determine Average Days on Market 7. Schedule First Meeting 8. Tour the Property 9. Gather Info From Sellers About Their Home 10. Discuss Sellers Goals 11. Present Listing Presentation 12. Provide Home Seller Prep Checklist 13. Advise on Repairs and/or Upgrades 14. Advise About Landscaping Options 15. Provide Overview of Current Market Conditions 16. Explain Your Personal Value to Sellers 17. Explain Your Companys Value to Sellers 18. Explain the Value of The Neighborhood 19. Create Listing Agreement for Transaction 20. Create Internal File for Transaction 21. Investigate Any Unrecorded Property Easements 22. Discuss Property Inclusions amp; Exclusions 23. Obtain Current Mortgage Loan Info 24. Explain the Value of Schools on Market 25. Explain Marketing Options 26. Research Property Ownership amp; Deed 27. Explain Video Marketing Strategies 28. Explain 3D Tour Marketing 29. Confirm Lot Size on Survey 30. Describe the Buyer Pre-Screening Process 31. Explain Buyer amp; Seller Agency Relationships 32. Order Plat Map from Title Company 33. Discuss Different Types of Buyer Financing 34. Discuss Appraisal Process 35. Verify Home Owners Association Fees 36. Confirm Water Source and Status 37. Verify Natural Gas Availability 38. Calculate Average Utility Usage 39. Gather Transferable Warranties 40. Determine Need for Lead-Based Paint Disclosure 41. Verify Security System Ownership 42. Agree on Repairs to be Made Before Listing 43. Guide Sellers in De-Cluttering 44. Verify Interior Room Sizes 45. Establish Showing Instructions for Buyers 46. Agree on Showing Times with Sellers 47. Attend Continuing Education Classes 48. Obtain Copy of HOA Bylaws 49. Explain In-Door Cameras amp; Showings 50. Explain Home Warranty Options 51. Obtain Extra Keys for Lockbox 52. Verify any Existing Lease Agreements 53. Work with Tenants for Showings 54. Provide Sellers Disclosure Form to Sellers 55. Refer Landscaper to Clean Up Property 56. Set-Up Staging Consultation 57. Determine Best Staging Strategy 58. Set-Up Showing Services 59. Set-Up House Cleaners 60. Set-Up Photo/Video Shoot 61. Meet Photographer at Property 62. Turn On All Lights for Photographer 63. Open All Window Treatments for Photographer 64. Advise Photographer Of Any Neighborhood Shots 65. Schedule Drone Shoot 66. Schedule 3D Tour Shoot 67. Gather All Finished Marketing Material 68. Write Detailed Property Description 69. Enter Property Info in MLS 70. Create Virtual Tour Page 71. Organize Photos in Best Order 72. Have Listing Proofread 73. Create Property Flyer 74. Create Custom Sign Rider 75. Intall Electronic Lockbox 76. Install For Sale Sign 77. Create YouTube Video Link 78. Create Facebook Ad with Video 79. Create Instagram Post with Video 80. Create Unique URL for Property Page 81. Verify Listing Data on Other Websites 82. Help Owners Coordinate Showings 83. Return ALL Calls ASAP - Weekends Included 84. Create Listing Postcards for Neighborhood 85. Send Out ldquo;Just Listedrdquo; Email to Database 86. Gather Feedback After Each Showing 87. Keep track of Showing Activity 88. Advertise All Price Changes 89. Update MLS Listing as Needed 90. Review Market Data Weekly 91. Schedule Weekly Update Calls with Seller 92. Review All Offers with Sellers 93. Prepare ldquo;Net Sheetrdquo; For All Offers 94. Counsel Seller on Offers 95. Obtain Pre-Approval Letter from Buyerrsquo;s Agent 96. Examine amp; Verify Buyerrsquo;s Qualifications 97. Examine amp; Verify Buyerrsquo;s Lender 98. Negotiate All Offers on Sellerrsquo;s Behalf 99. Determine Loan Objection Deadline 100. Determine Closing Date 101. Determine Inspection Objection Deadline 102. Determine Appraisal Deadline 103. Determine Earnest Money Terms 104. Send Contract to Title Company 105. Verify Buyerrsquo;s Agent Has Received Copies 106. Verify Earnest Money Deposited in Escrow Account 107. Change Property Status in MLS 108. Deliver Copies of Contact/Addendum to Seller 109. Keep Track of Copies for Office File 110. Coordinate Inspections with Sellers 111. Review Home Inspection 112. Interpret Inspection Objections to Sellers 113. Discuss Sellerrsquo;s Inspection Resolution 114. Get All Repair Items in Writing 115. Refer Trustworthy Contractors 116. Keep Track of Repair Schedules 117. Schedule Appraisal 118. Meet Appraiser at the Property 119. Provide Sales Data to Appraiser 120. Negotiate Any Unsatisfactory Appraisals 121. Coordinate Closing Times amp; Location 122. Make Sure All Documents Are Fully Signed 123. Verify That Title Company Has Everything Needed 124. Remind Sellers to Turn Off Utilities 125. Make Sure All Parties Are Notified of Closing Time 126. Make Sure Any P.O.A.rsquo;s Are Submitted 127. Solve Any Title Problems Before Closing 128. Receive and Carefully Review Closing Figures 129. Review Closing Figures With Sellers 130. Verify All Agreed Upon Repairs Have Been Made 131. Verify Clear-To-Close 132. Get House Ready for Final Walk-Through of Buyers 133. Resolve Any Last Minute Problems 134. Make Sure Title Commitment Was Received 135. Review Closing Documents 136. Provide Home Warranty Paperwork 137. Provide Buyer With Transferable Warranties 138. Provide All Keys to Buyer 139. Provide Any Garage Door Openers 140. Make Sure Seller Proceeds Are Correct 141. Change Status in MLS to ldquo;Soldrdquo; 142. Upload All Signed Documents to System 143. Close Out Sellerrsquo;s File 144. Check In With Sellers After Closing 145. Request Feedback from Sellers 145 Common Buyer Agent Responsibilities: 1. Prepare Buyers Presentation 2. Present Presentation at Buyer Consult 3. Discuss Buyerrsquo;s Goals 4. Provide Home Buyer Checklist 5. Discuss Different Types of Buyer Financing 6. Explain Closing Costs to Buyers 7. Explain Earnest Money to Buyers 8. Refer Qualified Lender Contacts 9. Explain the Loan Process 10. Obtain Mortgage Loan Pre-Approval 11. Confirm Current Lender 12. Create Internal File for Buyers 13. Create Buyer Agency Agreement 14. Explain Buyer amp; Seller Agency Relationships 15. Provide Overview of Current Market Conditions 16. Explain Your Personal Value to Buyers 17. Explain Your Companys Value to Buyers 18. Provide Local Info On Areas 19. Explain the Value of The Neighborhoods 20. Provide Local Info On Schools 21. Explain the Value of Schools on Market 22. Explain Consumer Logic Versus Emotions 23. Provide List of Homes for Sale 24. Pre-Screen Homes for Buyers 25. Tour Properties With Buyers 26. Explain In-Door Cameras amp; Showings 27. Verify Keys Went Back in the Lockbox 28. Gather Comps on Interested Homes 29. Explain Sellerrsquo;s Staging Strategy 30. Explain Marketing Versus Reality 31. Communicate with Showing Services 32. Walk through Home After Showing 33. Turn Off All Lights After Showing 34. Work with Tenants for Showings 35. Keep Track of All Showings 36. Research Property Tax Info 37. Research Property Ownership amp; Deed 38. Research Propertyrsquo;s Zoning Restrictions 39. Research Neighborhood HOA 40. Research MLS Data 41. Explain Average Days on Market 42. Advise on Property Condition 43. Advise About Property Location 44. Explain Seller Marketing Tactics 45. Explain 3D Tour Marketing 46. Describe the Buyer Pre-Screening Process 47. Video Potential Homes for Buyers 48. Establish Showing Instructions for Buyers 49. Map Out Homes for Showings 50. Explain Problems with Zillow/Trulia 51. Explain How the MLS Works 52. Help Buyers Find Homes 53. Schedule Showings with Sellers 54. Create MLS Sheets for Showings 55. Explain Landscaping Options 56. Maintain Electronic Lockbox App 57. Keep Car Clean for Buyers 58. Bring Water for Buyers 59. Work Around Buyerrsquo;s Schedule 60. Provide Feedback After Each Showing 61. Keep track of Showing Schedules 62. Provide Marketing Data to Buyers 63. Update Buyerrsquo;s of Any Price Changes 64. Setup Automatic Property Updates 65. Review Market Data Weekly 66. Counsel Buyers on Offer Strategies 67. Counsel Buyers on Pricing 68. Examine ldquo;Buying Power 69. Negotiate Seller Concessions 70. Create Offer Contracts 71. Provide Pre-Approval to Listing Agent 72. Negotiate Contracts 73. Explain All Disclosure Forms 74. Negotiate All Terms on Buyersrsquo;s Behalf 75. Determine Earnest Money Terms 76. Deliver Earnest Money On Time 77. Verify All Signatures Completed 78. Schedule Home Inspection with Sellers 79. Attend Home Inspection 80. Verify MLS Data with Listing Agent 81. Identify Any Red Flags 82. Negotiate Closing Date 83. Communicate with Listing Agent 84. Negotiate Inspection Objection Deadline 85. Communicate with Buyerrsquo;s Lender 86. Continually Verify Buyerrsquo;s Funding 87. Explain Earnest Money Process 88. Negotiate Loan Objection Deadline 89. Communicate With Title Company 90. Keep Everyone On Schedule 91. Return ALL Calls ASAP - Weekends Included 92. Verify Interior Room Sizes 93. Examine Lot Size on Survey 94. Investigate Any Unrecorded Easements 95. Review Plat Map from Title Company 96. Discuss Appraisal Process 97. Negotiate Appraisal Deadlines 98. Verify Title Company Received Contract 99. Verify Listing Agent Has Received Copies 100. Deposit Earnest Money in Escrow Account 101. Deliver Copies of Contract/Addendum to Buyers 102. Keep Track of Copies for Office File 103. Make Sure Title Commitment Was Received 104. Verify Home Owners Association Fees 105. Obtain Copy of HOA Bylaws 106. Confirm Water Source and Status 107. Verify Natural Gas Availability 108. Ask For Average Utility Usage 109. Ask For Transferable Warranties 110. Determine Need for Lead-Based Paint Disclosure 111. Verify Security System Ownership 112. Determine Property Inclusions amp; Exclusions 113. Explain Home Warranty Options 114. Verify any Existing Lease Agreements 115. Obtain Sellers Disclosures 116. Schedule Weekly Update Calls with Buyers 117. Update Buyerrsquo;s Lender Weekly 118. Keep Track of Repair Schedules 119. Follow-Up on Appraisal Scheduling 120. Verify Any Appraisal Conditions 121. Verify Buyerrsquo;s Home Owners Insurance 122. Schedule Final Walk Through 123. Negotiate Any Unsatisfactory Appraisals 124. Refer Trustworthy Contractors to Buyers 125. Coordinate Closing Times amp; Location 126. Make Sure All Repairs Have Been Made 127. Verify Title Company Has Everything Needed 128. Solve Any Title Problems Before Closing 129. Verify Power Of Attorney Are Submitted 130. Verify All Parties Are Notified of Closing Time 131. Receive and Carefully Review Closing Figures 132. Review Closing Figures With Buyer 133. Remind Buyers to Schedule Utilities 134. Perform Final Walk-Through With Buyers 135. Resolve Any Last Minute Problems 136. Review Closing Documents 137. Receive Any Home Warranty Paperwork 138. Receive Any Transferable Warranties 139. Verify Buyers Cash due at Closing is Correct 140. Get the Keys to the Buyers 141. Upload All Signed Documents to System 142. Close Out Buyers File 143. Verify Status Was Changed to ldquo;Soldrdquo; 144. Check In With Buyerrsquo;s After Closing 145. Send Feedback Request What Does A Realtor Do? | 290 Real Estate Agent Duties published first on https://thegardenresidences.tumblr.com/

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iannoyinglysweetstudent-blog · 6 years

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cheap insurance quotes tx

"cheap insurance quotes tx

cheap insurance quotes tx

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

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cheap insurance quotes tx

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How much would a 1.1 litre car cost me a month?

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Its a stats question

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Last October , I sold my car so I would be able to buy a more gas efficient car. I found a car that I wanted that was a stick but didn't no how to drive stick. My husband talked ...show more""

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ABSOLUTELY NO SPAM REPLIES PLEASE!!!

cheap insurance quotes tx

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I'm doing a math assignment and I need a few questions answered: 1) What happens to the insurance quote if you increase the Liability Limit to $2,000,000 from 1,000,000? 2) If there are two or more minor offences, by how much does the quote increase? 3) Does the number of kilometers change the quote? 4) If you have completed a drivers training course, does it lower your quote compared to a quote where no course was taken? 5) Does theft protection lower your quote? By how much?""

Why would we have to pay a penalty if we refuse to purchase affordable health insurance?

I thought America was the land of the free? Why then, does the government have the right to tell me that I HAVE to purchase health insurance? Just wondering.""

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I know this is long but please bear with me. Rather than set up a separate government run medical insurance or expansion of medicare to the general public....One criticism of government care is that it will be in direct competition with existing providers. Ultimately siphoning insurance customers away from traditional plans and onto the rolls of govt care causing these providers to go out of business. Here in my state the auto insurance companies MUST offer the same basic minimum coverage in order to do business in the state. Everyone here must have at least the same basic level of insurance (both auto and medical) . You can go to any provider you choose and this basic minimum insurance level costs the same . If you want more insurance you can pay for additional coverage. But that basic plan is available to all. So why not have a similar program for medical insurance as part of a nation wide group policy. This group can be subsidized by the government but it would be managed by the existing insurance providers. (In other words if you want to be in the insurance business you must offer and support this minimum plan which would be a foundation for any other plan you offer) The govt pays the insurance company a flat rate to manage each person enrolled in the basic plan. The more money the company saves (the better they manage the insurance) the more money they keep. However if that company provides poor management it will cost them. Either subscribers will change management companies if they feel they are getting a raw deal or wasteful management would not be payed for by the government. One advantage I see here is that consumers would have an alternative providers to go to if they feel wronged by a particular management company. Insurance providers also have an incentive to offer additional services to the basic plan members in order to attract more subscribers and earn money. With a govt program like medicare your stuck with the one provider (the governement). As they say One Choice is NO Choice.... If someone wants additional insurance they can buy additional coverage from any provider they choose. But No one could be denied coverage for the standardized basic plan. Since everyone is part of this national group policy the basic insurance is portable and independent of supplemental policy one may have. So if you change jobs or move to a different state you may loose the supplemental policy BUT your basic coverage remains intact. You merely transfer the company that provides the management services for the basic medical. Insurance providers would get paid by the fed to manage the participants in the basic plan for each participant in the basic plan. this would put market forces into play for the insurance providers to make money by attracting additional participants through better service or offerings. COunter to this is if the consumer gets crappy management services they can transfer to any other insurance provider.

Pagani Zonda - how much to insure?

My hubby and I were watching Top Gear the other night and James May was testing the Pagani Zonda. Does anyone know, out of interest (or to be honest to settle an argument!) roughly how much the insurance premium would be on this type of car? Thanks!""

Car insurance rates?

i am a 23 year old male and have a 1993 lexus sc 300 auto 2 dr. i know for a male the rates go down when you hit 25 years old, but is there anything when you turn 23? doesnt it go down a lil. i have had 1 ticket for speeding in nov of 2005, but took that course online to get it off my record since it was my first one.""

Mandatory insurance?!?

Here in Massachusetts EVERYONE has to have health insurance, and if you wanna drive you have to have car insurance. How can this be legal? How can the government force me into buying a product or service?! Whats next, are they going to make it mandatory for everyone to buy 7th generation ipods? This is ridiculous. What if i dont want insurance? What if i cant afford it? WTF?!! Is their any legal way around this? Or are they going arrest me if i dont get any insurance? Should i board up my windows and stock up on guns?""

How much to insure a 2003 BMW 325i in GA?

Iam Canadian living in the States for 6 month out of a year in ATL. I wonder how much will my ins would cost like basic insurance coverage.

Car insurance???

anyone no of places that do cheap car insurance for new drivers (i'll be 17 in january) oh by the way im in the UK!

""Can you fake proof of insurance in Seattle, WA?""

My friend and I are having an argument. He believes that you can keep a fake insurance card in your car that looks legitimate and the police will not be able to check the information with the insurance company to verify that you actually have insurance, if they pull you over. Also, if you do not have proof of insurance, and you get cited for a ticket, he believes that you could send in fake proof of insurance to the Seattle Municipal Court so they would dismiss the ticket, less a $25 admin fee, because they do not check insurance information/do not have access to insurance records. I want to believe that he's wrong, but I don't know, I am not educated on the subject. Does anyone know the answer?""

Insurance about my new car?

Okai so im 19 and in California. My mom just bought me a car(Nissan Versa 2012) today and i was wondering if its really true that new car means higher insurance? Im taking my Actual Test next week so there shouldnt be a problem driving it soon. Btw in AVERAGE how much would i pay a MONTH for the insurance? Thanks Ya'll

How much will my insurance go uop?

i was in an accident not to long ago. My car was totaled and my insuranced paid it off ($13,000) it wasnt my fault but im 20 and ive been driving for 3 years but recently got my license last year. i was already paying 250 a month, how much more will i have to pay?? my car was an 05 altima. now its a case of he ran a red light, versus she ran a red light""

How much do you pay for your car insurance ?

I have a mini van about 10 years old. I pay $250 every six month I believe ... premium. Covers 1000K Injury, 50K, 25K property damage, and 10K injury.""

What are my best options for self-employed health insurance with maternity in Illinois?

I am leaving a well paid corporate job with great benefits to work for myself. I was recently married and my wife wants to have children soon. She does not have benefits through her job so I need to ensure we are covered well. What are some great options for affordable health coverage in Illinois that includes maternity and what's the time frame before maternity coverage kicks in?

Health Insurance/Student emergency card help!?

I'm currently filling out a Student Emergency Information Card and I'm stuck on the Health Insurance portion... For the portion, it only says Insurance #, I have HealthNet but I don't know whether to write the group number or the subscriber number.. I'm kind of sure it's the subscriber one, but I need some assurance. Also, it asks for Medi-Cal straight after that with Yes/No.. How do I know if it's medi-cal or not?""

Is it covered under insurance?

i want to change my old cavities to the white cavities to match my teeth. i hate to open my mouth in front of people because i have so many cavities. the thing is, is it covered under insurance and is it expensive?""

First traffic violation. How much will it affect my insurance?

So today I got my first traffic violation after 9 years of driving. I am 25 and have been driving since I was 16. I stopped to far in a stop sign and passed the line. How much will the ticket cost? I live in CA. How badly will this affect my auto insurance? Right now I pay $150 every 6 months for liablity coverage.

Anyone know of cheap health insurance?

I am always in the ER but I have no insurance so I would really want to stop paying those expensive bills...

""Someone hit & run my car when it was parked, will my insurance go up?""

I have coverage with AAA, a friend from State Farm said I wasn't at fault so I should call AAA, but will my insurance rate rise if I report it?""

How much does car insurance for a toyota mr2 at age 17 in nj?

Car insurance help please?

Im 16-17 in December, and straight away im going into driving lessons. which my parents are paying for. But lets just pretend im 17 ive passed my test and im lookin into buying a car.. ive been looking at clio's, but which cars are quite cheapish but still nice cars, and most importantly has cheap insurance, cause i heard insurance is dear these days.""

""Insurance companies have told me I now, do NOT qualify for 'regular' insurance. What can I do?""

I no longer have health insurance. My employer could no longer afford the premiums and I cannot afford Cobra. The 63 day preexisting conditions deadline has passed. I had a heart valve repaired in 2009 and donated a kidney for my wife in Feb. of 2011. Insurance companies have told me I now do NOT qualify for 'regular' insurance. Under the new Health Care Law, what can I do and who can I contact to get affordable coverage?""

Can I get my motorcycle registered with no title?

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

Insurance on a 1998-1999 Mitsubishi eclipse GSX at age 16?

Alright so I am 14 right now. In 2 years I will be driving, and I am very into cars. I am looking to purchase a 1998-1999 Mitsubishi Eclipse GSX. Since an eclipse is considered a sports car how much would much insurance be a month? Imagine I have a perfect status (No wrecks etc., and above a 3.5 GPA). Also if I get an Eclipse GS is that still considered a sports car since it is not AWD, and is not turbocharged?""

Question about insurance differences for regular vehicles and motorcycles?

I currently have a car through my parents car insurance but I really want to branch out on my own and get my own insurance so I've been thinking about finally pursuing my dream of getting a motorcycle. They're cheap, run well, and from what I gather insurance is very cheap. Could anyone tell me what kind of money I might save in Pennsylvania or New Jersey in comparison between a motorcycle and a regular car? Thanks.""

cheap insurance quotes tx

Any 18 Year old drivers with car insurance?

I'm 18 and I cant find any insurance under 7K and this is clear ageism. Are there any other young drivers who are sole policy holders with cheaper insurance?

""I am getting ready to get homeowners insurance in Indianapolis, IN. Anyone have a good place they go?""

I am going to be in the Speedway area but it doesn't have to be in that area, just someplace around Indy. Just looking for an affordable and reliable place. Hopefully you guys have some good suggestions. Thanks in advance!""

Motorcycle insurance?

I want to know what insurance company gives you a better quotel on motorcycle coverage. Allstate sucks I went down on my bike injuring my shoulder only to find out I get just $1000.00 maximum coverage for medical. Somebody help me find a new agent please. As always thanks in advance

Low cost auto insurance?

looking for a new carrier - can anyone recommend anything?

What auto insurance company will give me a good price after lapsing insurance?

I had geico and my insurance lapsed. Everyone wants so much money now since i lapsed previously. Ive tried all the major companies. Does anyvody know of a cheap insurance that i can look into? Right now everyone wants around 7-800$ for 4 cars liability. Rediculous.

What is my insurance going to cost?

I'm going to get my license when i turn 18 (yes the day I turn 18) and I was just now thinking abt insurance. I've never really thought about it before. So can those who have been through the getting insurance thing help me? Here's some things to add up: 1. First time driver (litterly just got license and vehicle) 2. Did not do a drivers ed at a high school (heard it costs more if u don't take it) 3. Going to drive a big 4x4 diesel truck 4. I'm a male And that's abt it I guess. Idk what insurance company I'll be using. Probably my moms insurance company. But I don't know what it is. Also. The insurance will not be under her name (if she can even do that) because I'll be an 18 year old adult. How much is insurance going to cost every month? Thanks

Should i purchase insurance when renting a car from the rental company?

should I purchase insurance when renting a car from the rental company. I have my own car insurance for my car.

""Do Asians pay higher Car Insurance rates, especially women and is that legal?

Do insurance companies use profiling in their rate policies. Are they like the IRS who used typical words for known tax cheats like Patriot or Tea Party .Or do ...show more

""Were can i find cheap car insurance from, for 22-23 yr old woman?""

Were can i find cheap car insurance from, for 22-23 yr old woman?""

I have an old pickup truck but can't find a price to get an insurance quote.?

I'm working on a 1972 International model 1100 Eight pickup truck and can't seem to find a price for it in todays market. I've looked on every automotive web-site I can think of, but they have every make except International. I'm trying to get an insurance quote over the internet and I really need this. I paid $400 for the truck itself and about the same for new parts. The guy who owned this truck before me said it was originally a one ton pickup, but the bed was switched out with a three ton. I know I have to add the price of the new parts, but all I want is an approximate base price. I'll take any advice, web-site, or anything else relevant to my needs.""

""For a 17 year old, How much about is car insurance (relatively) and which places are cheaper?

We were thinking State Farm or Country

What can I do about auto insurance price gouging?

I backed into someone in a parking lot. Thay had a claim off $1000. this is my first and only accident. My insurance company say's because I was moving it's a collision and my insurance has doubled. this is wrong.

Is a mazda 3 a sports car too a insurance company ?

will a insurance company consider a simple mazda 3 a sports car ? like not a mazda 3 speed , just a normal mazda 3 sedan 4 door""

Can I move my car insurance now?

I am currently insuring my car with direct line and they are charging me 47 per month however I have just noticed that when i do an online quote with them- exactly the same cover as what I have its priced at 23 per month. Can I move my car insurance to a different company now or do I have to wait for the renewal date? If not why are they charging me so much more than their online quote? Also the cheeky gits charged me 60 to renew my address with them when i moved house....surely that can't be right??

What is a non-standard property/casualty insurance company?

How can you find out if your insurance company is non-standard? What makes a company non-standard?

If i have insurance on my driver s license do i have to have insurance on my car in Maine?

I am now told that it is mandatory for me to have insurance ON my license... does that mean I need it on my car as well?? I could use all the help I can get on this. THANK YOU!

Does my employer provide good health insurance? ?

Here's a description of the health insurance my employer provides to employees. It costs $50 per month to have, and the co-pay for each doctor visit is $40. This seems really weak to me. Am I right? Should I look around for a new job? What's the typical average going rate? Any suggestions would be appreciated. Thank you!""

Can you have car insurance without owning a car?

my 20 year old is in another state going to college, can he get car insurance on his brother's car?""

How much is your car insurance?

Not to sound stalkerish at all lol I'm just a lil confused on car insurance and want to know what about average is. So can you please put how old you are, what car you drive, and how much you pay... Thanks ALOT it means alot to me :)""

Short term insurance company's for 9 points +?

Hi i dont live in the uk and use my car for 3-5 days every 6 weeks when im there, i did have ecar insurance for 1 month when i was there for the summer, now that i want just 3-5 days insurance they wont quote me, ive tryed tempcover and they are no good !! all the ones ive come across wont insure me because i have 9 points.. witch is typical as they say they can insure up to 8 points... so my question to you is this do you know of any short term 3-5 day car insurance comapany's that take drivers with 9 points? its stupid that 1 or 2 mistakes leads down this poor road :P""

How do i get car insurance?

In order to get car insurance, they need to know what kind of car I have, but in order to get a car from a dealership, I need to have insurance. There seems to be a loop trap here.""

Life Insurance?

If someone has life insurance and also has a home mortgage, does the life insurance goes to the mortgage?""

Unemployed 18 to 25 year olds forced to have health insurance under Obamas plan?

if you where laid off, then your ok. But if you quit your last job you will be required by law to keep health insurance or be fined $2700/yr. And by the way thats $225/mo. for the ...show more""

Why have my health insurance premiums increase 72% over the last few months?

I received a letter a few months ago that my premiums would be increasing due to the ACA. I never thought they would increase by 72%. I thought President Obama said our premiums would decrease dramatically. Full coverage + Vision and dental 31/m non smoker (very healthy and active) Haven't been to the doctor in years Golden Rule United Healthcare Premiums a few months ago $193 per month $35 co pay $1500 deductible Premium starting next month $267 w/ same co pay and deductible WTF? I make roughly $2200 a month before taxes and fail to see how this is affordable.

How much will car insurance cost?

i know you cant exactly guess the costs but can you give me an estimate? i live in va im 17 years old i have 3.81 GPA i am a female how much does it cost a teenager each month?

cheap insurance quotes tx

https://www.linkedin.com/pulse/non-owner-sr22-insurance-quotes-california-ryan-ramirez/"

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Cheapest auto insurance in PA??

"Cheapest auto insurance in PA??

I just got my renewal notice from Titan, a sub-company of Nationwide, and my 6 month premium is $3846.10 I almost screamed.

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

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What car? make? model? yr? Insurance company?

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Can the Insurance company charge me 20% of repair?

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Selling insurance question?

What license/certification does one need to sell and distribute insurance such as home owners, auto, life insurance etc. in the state of Wisconsin. And what schooling if any would someone need to obtain these licenses and or certifications. My grandfather and a friend own a agency that affiliates with another independent agency that allows them access to a large variety of insurers, and they would like me to become apart of business.""

How much will motorcycle insurance and registration cost me per year?

I'm a 20 year old male and this will be my first motorcycle. I only have a permit right now but plan to get my licence immediately after registering and insuring my bike. Will that make a difference? I'm going to get like a 600 cc sport bike. I don't need an exact cost. Just shoot me a good range to expect. Thank you.

Can you sue an Insurance company...?

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I need some Insurance Help?

My father, just yesterday tried to commit suicide by slitting his wrist, luckily he had called the cops, but he also had to take an ambulance ride and another ambulance ride to the county hospital where he will be held for 72 hours. He does not have insurance due to his work laying him off, and him not being able to afford it. Is there any kind of insurance that will cover this kind stuff. He has been suffering from depression and high blood pressure for quite sometime, so I don't know if those are pre existing things that would stop insurance...but him and my mother cant afford this at all right now. They live in southern california, if anyone knows of some kind of insurance, please please respond!""

I have got automatic driving license 2 days go and I`m looking for car insurance?

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How much do you pay for your motorcycle insurance?

I just check for a quote for a cbr 600 f4 I wanted to buy and it quoted me $2,200 a year! Does that sound right? I'm 19, live in New york city, male. Whats your state, age, bike model, gender, and insurance rate?""

Speeding ticket.. insurance increase?

okay soo I just turned 18 last tuesday, and today, I got a speeding ticket. I was going 58 in 40, but I really didn't notice that. the cop went by me in the other direction and apparently his radar said I was going 58. I know I've sped on that road before, but this time I honestly don't think I was. it was my second speeding ticket.. I got one last year that didn't go on my record or something so the insurance company never found out. but this time, I can't imagine I'd be so lucky. I've been googling car insurance and how much it would go up, but I can't find it anywhere. I believe we're with arbella. my parents are going to kill me and I don't know what to do that will help this situation. so I guess I have two questions: one, how much will my family's insurance increase? and two, what to do I do to minimize the penalty, or whatever you want to call it. I'm perfectly willing to pay the fine..if I was speeding, I deserve that.""

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

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

Car insurance? first car?

i have a '96 fiesta 1.1.its my first car. i cannot get insurance cheaper than 2000. it is garaged, minimal miles per year. any one know where i can get cheap insurance??""

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Which is the cheapest car insurance in Louisiana?

Where i can get affordable or free x rays?

I have a prescription for low back and leg x rays,but is kind of hard for me at this moment cause i don have a job and i cant afford $300 that's the estimate the hospital gave me when i'd call to ask the cost,cause i don't have health insurance neither""

""Does age make a difference when getting health insurance thru employer, is the cost different. .?""

My mother is in her 60's she declined coverage thru her employer because she would pay $200 per pay check, gets paid biweekly. She said the rep from the insurance told her she would pay more than her younger coworkers because she is old and needs more health attention, visits medicine etc. Is that true?? Her company does the cleaning for a few hospitals, offices. I dont think its a big company maybe 300-500 employees. I work for a big company in sales we have 200 people in our building, the company is in every state in the u.s. with several offices in each state so we are thousands of people for the company. Our health insurance cost is the same regardless of age. We have 3 plans to choose from, but we all pay the same amount regardless of age and it cost anywhere from $15-25 per check. Could anyone give me some info on this matter thanks. We are in california if that matters. Thanks.""

Honda cbr250 insurance vs Kawasaki Ninja 250r?

If anyone could tell me the insurance rates for both bikes for a 16 year old male rider. I live in Ontario but any canadian rates, or american rates would be appreciated. Rates per year or per month is what I am looking for. If you can give the rates for both bikes or just one bike it would be appreciated. Thanks.""

Financed a motorcycle do i need full coverage or can i buy liabilty?

I know the lender of the loan wants his money even if the bike gets stolen/totaled/breaks down what ever. But why do i need to have full coverage. So if the bike gets stolen/totaled whatever isn't all the lender worried about is getting his money? So if that happens i will tell the lender not to worry i will keep paying payments until the loan is paid off because i dont want to ruin my credit.

2003 Hummer H2 insurance cost? For 16 year old? 10 points!?

How much will the insurance cost for this car? This car is FREE for me because it's my dad's and he wants me to have it as my first car. It only has 60,000 miles on it for a almost 10 year old car. It is practically new with a tv inside and nice rims. How much will insurance be?""

How much would it honestly cost me for a Kawasaki Ninja 250 '08?

Im 16 getting a permit very soon, working at a summer job and when the summer is over, going to work at a local pet store or grocery store (part time because of school, so ill be getting minimum wage..) By the end of the summer, i will have about 1,300. As you can see, im looking at a ninja '08 but of course thats not set in stone because i am only 16. But I am really dedicated to have the time for it and I am trying to get the money now. My dad said he will probably put me on his insurance, but since it is a motorcycle and I am young, I'm not sure how much the insurance is... Also, I have read 10,000 people say the Ninja 250 is a really good beginner bike, so if anything i would buy a used one. How much would the used bike, insurance, equitment (helmet, etc), and locks for the bike cost in total? Thxx a lot""

How much do you pay for car insurance?

These quotes are OUTRAGEOUS!

What can I do about my car insurance?

My son wrecked my 2007 Dodge Ram1500 6/23/09. My mother offered to apply the truck to her insuance for lower rates. I ask the agent for full coverage because it had a lien on it with collion, now the insurance won't pay because they saud I have libility w/no collion, I'm sick, so it's a battle what can I do, please help""

Somebody help me find cheap car insurance in uk...........?

i am 20 year old foreign student in uk from 2 years....i am about to buy some cheap car with 1 ltr engine which is worth of 1000. but the biggest problem is for the 700-800 worth car they are asking me to pay 5000 insurance........... some body please help me find the cheaper insurance... can you advise me on what basis insurance is counted like age... address so that i can figure out from where to buy insurance.... some extra information:: i don't have any NCB first car I have very new licence in full time education. can afford max 150 per month please guys suggest me some cheap insurance provider....

Car insurance for Civic and Lancer?

How much would you guys think car insurace would cost per year for a 16 year old for a 95-00 Honda Civic EX or SI and a 02-05 Mitsubishi Lancer ES??? thanks

Where can I get cheap car insurance?

I'm going to be sixteen soon and my parents are still thinking about whether or not they'll let me drive. But I really need this 'cuz my parents can never pick me up on time after school and it's too far to walk. (No bus) So, I just wanted to know what's the cheapest car insurance there is for 16 year old drivers. I heard you could get discounts for getting strait A's (which I do), taking driver's ed, and having an older car (which I will). Thanks in advance!""

Will my insurance drop me?

hey guys.. i have state farm insurance and i was put on my parents insurance as a 17 year old because i got into an accident in november (not my fault, i got rear ended). i turned 18 on new years day and just got a speeding ticket (51 in a 35). i was just wondering if my insurance could drop me and if so how likely it would be. thanks.""

Should we get life insurance before my husband joins the military?

Should we get life insurance before my husband joins the military. My new york life friend told me that it's better because we can get more money if we do it before he joins. My husband says that the military pays for everything and they have there own life insurance. Which is the best route to take?? I would like to just do the new york life thing now instead of wait, he is joining in January. I'm not sure if I like the USAA life insurance. New York Life is a place I know that is reliable. But this is something people don't talk about very much. So I need some help Thanks!! :)""

What is TRULY the cheapest car insurance?

I am looking to get a second car and I really want to know what the cheapest insurance is. (I am 17, so the insurance will be high anyway) There are tons of commercials for Esurance, Progressive, Allstate, etc, etc but really what is the cheapest? I'm just looking for liability insurance, nothing else, bare minimum. Have any of you switched to one, and what have you saved? Thank you!!""

Anyone know the best insurance companies for young drivers?

I know obviously insurance for the young is gonna get rocket high anyway compared to older people for the same old 'statistical' reasons as always although I don't intentionally drive like an idiot or least intend never to and I do take safety as a big priority and everything, I've passed my test just over 2 years ago with a clean license but still find insurance even for my micra (1 litre 1994 M Reg) costing me a minimum average of 1000 annually, and just below a grand like 900-950ish is roughly the best I've got for my micra from directline but wondering if anyone would know anyone better cost wise? Also why is there so much discrimination against young/new drivers when its actually only the small minority who take the worse of risks and drive like w*****s making it sky high expensive for the rest of us, I can understand it may be statistic but unless u actualy do drive like a so and so I don't see why 'everyone' should be punished with rip off premiums for the sake of the minority number of idiots""

Got a dui an i need some insurance whats the law can i drive some ones car if they have insurance or what can?

Can a 16 year old male afford a Mustang with a V8( GT or LX)?

I've discussed getting a mustang to my family and friends for quite a while now. I know the downsides, high insurance, bad gas mileage, and too much power(according to my parents). I'm a big fan of the foxbody('79-'93) mustangs and I also really want a V8 and I also want stick if that matters. The way I see it, I'm going to pay a lot for insurance no matter what, so why not pay a little bit more and pay for the car I really want. It doesn't matter if its an LX or GT even though I've heard that LX's are cheaper, but how much cheaper. I've looked around for answers to this question and all I've seen are responses that tell me either that its stupid to get a Mustang or I find answers that have links for sites that will tell me. I just want a good answer and possibly how much insurance will cost me. I only want minimum coverage and it will be on my mom's policy. Also, one more question, how much cheaper do you believe a '90's Honda Civic(2 door sedan) would cost me in comparision to a V8 Mustang? Thanks for any responses, Aaron.""

Who Have The Best Insurance Rates?

I Hope Im Calling It Right, I Just Got My Drivers License In August, I Dont Have A Car Yet. I Just Wanted To Know For The People Who Have Cars, What The Best Company To Get, When I Do Get A Car. People Tell Me Car Insurance Compnays Go By Age To. Im Only 21 So I Know Is Gonna Be High. But I Juat Wanna Know Whats The Best One To Get And Why For Car Insurance. Thank You To All Who Answers""

Car insurance.. help please?

I got a 2000 Dodge Neon a couple days ago and i was wondering how much the insurance will be a month? I'm a sophomore girl in highschool and i usually maintain a B average (you get about $25 off insurance for maintaining good grades). And how much will it be to get it licensed? I payed $1300 for the car (they were desperatly trying to sell it) and it's in perfect condition.

Can I sue my Auto Insurance Company?

In 2005, as part of our divorce agreement, my ex and I decided to keep the same auto insurance but under separate policies. We had been with this company for years. My policy was on auto pay meaning that the payments were taken directly from my account. He walked in to pay his. About 6 months after the divorce, I was pulled over for a routine traffic stop and was told I was driving an uninsured vehicle. Without insurance, my registration was also invalid. Both tickets totaled 1K. My car was taken into impound. I checked and found the officer was correct. On good terms with my ex, I told him what happened. He said for the past 6 months, each time he went in to make a payment, the girl HIS was already paid. Realizing what had happened. They were applying my payments to his automobile. I was furious. I notified the agent who initially did not want to accept blame, but since the payments were automatic and my account number was on each payment they took, they were responsible. The error was compounded by the fact that the cancellation notice went to HIS address (how dumb was that!) So I had no way of knowing that I was cancelled. I was without a car for 2 weeks and lost my job. After much haggling and many sleepless nights of wondering what to do without a job or a car, the insurance company finally admitted blame, paid the impound fees of $1,250.00. The agent also said they would handle the 2 tickets totaling 1K. FAST FORWARD TO 2010 in my state, the county did a scofflaw sweep and I was summoned to court with over 5 thousand other delinquent drivers to address unpaid tickets. The order was come to court by April 30th or be arrested. Realizing this had to be a mistake, but fearful of the law, I stood in line for over 5 hours in blazing heat, then sat in court another 5 hours waiting for my day in court. I was immediately threatened with arrest because the 2 tickets were not paid. Up to that moment, I had no idea the insurance company had not paid the 2 tickets. This time, not only was my insurance and registration cancelled, my license was suspended due to the age of the infraction (5 years). In front of the judge, I called the agents' office only to be told by the secretary that they had no intention to pay the ticket. Paying to get the car out of impound was enough. When the judge heard this she was shocked and let me off with a promise to pay in 5 days. She made me promise not to drive. With no way to get home but drive, I took a chance, and was pulled over. The officer informed me that due to the vast number of outstanding cases, tags bearing our county name would be targeted for a while (talk about a police state!). I showed him my documents from the court and headed home. This is a nightmare. Would I have a case if I filed suit against my insurance company for failing in their fiduciary responsibility to a 16 year client in good standing? By the way this company is one of the largest in the country.""

What companies are still insuring unoccupied and or second homes?

This seems to be a new trend. It seems that insurance companies are canceling Homeowner's policies of their customers who are selling their homes! Once the client has to move out to their new home the insurance company cancels the policy on the home that's still for sale. This is being done even if the customer has been a client for over 30 years and is using that company for the new home! Sellers are having a rough enough time with the real estate market these days! What can be done about this? Also suppose the seller decides not to sell but keep the home as a vacation spot? Are second homes being uninsured also?

Cheapest auto insurance in PA??

I just got my renewal notice from Titan, a sub-company of Nationwide, and my 6 month premium is $3846.10 I almost screamed.

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

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

Car insurance quotes online?

Where can i find good companies info on quotes in online

Car insurance before uni this september?

""Car insurance in the USA, for foreigners / tourists?""

im 18years old, and hopefully after my exams in may, i hope to go to america to visit a couple of friends. My mates have put forward the idea of a possible roadtrip in his car. Its his car, and im assuming its insured. However since its a roadtrip, i will also probably need to drive, in which case how do i sort this out?? can i drive on his insurance, as long as i tell his insurance company or is it more complicated than that. I've been told than unlike car insurance in the UK, Americans insure the DRIVER, rather than the car. i have a full UK license, and dont mind if i have to get a international driving permit, but how do i figure out this insurance problem.""

How much (average) is health insurance for a family in America?

As I live in England where we have the NHS I was just curious how much health insurance is in America. Obviously I know that it depends on pre existing medical conditions, how old people are ect ect but let just say for average family of four, two parents and two children would health insurance cost. I was just wondering.""

Insurance premium after fender bender?

So I was involved in a fender bender in a case where I was at fault. Minor damage to the rear fender of the jeep in front of me, no damage to my car. Question is, if I file an insurance claim how much do you suggest my rates will increase? I am 21 year old male, not one ticket, or accident prior to this case, been driving for 5 yrs.""

Affordable studio apartments?

I lived in a great 1 bedroom apartment with my fiance a few years ago in Myrtle Beach for only $550 per month. It was very clean, very quiet, very safe and within walking distance from the ocean. We're looking for a studio basically anywhere in the United States but they're all running for around $600 as far as I can tell, which is ridiculous for something so much smaller than a 1 bedroom. Is there anywhere that has a studio apartment (kitchen, bathroom) which is not an efficiency, which is in a nice location? I'm looking for under $500 per month, I don't want to live in the ghetto. Any ideas?""

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

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

Cost to Insure a 2005 hyundai tiburon?

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

""In GA, if the moving violation is no longer on my DMV record, can insurance companies penalize me anyway?""

A bit over two years ago, I got a ticket for a turn I made that wasn't sharp enough. In GA, moving violations leave your record after 24 months, so it should be gone by now. Can my insurance company continue to penalize me for it, though? Do they have to lower my rates now that it's off my record? If I go to a new insurance company, will my current one pass along the information somehow even though the DMV doesn't have it on file?""

Collector Car insuance for 17 year old? Possible?

My 17 year old son wants collector car insurance for his 67 Chevelle that he heavily modified and uses it only for hobby and pleasure. He puts 4,000-4,300 miles a year. We live in California and were wondering if there was a collector car insurance like hagerty, american car collector, etc. that would cover a 18 year old or younger? Any Possible plans? Thanks. PS. He locks it up in our secure garage.""

How much do you pay for car insurance?

Insurance for a 2007 Nissan Sentra SE-R Spec V?

I've been wondering how much insurance would cost for a 2007 Nissan Sentra SE-R Spec V for a 16 year old as the main driver, but I don't want to send my information to an insurer for a quote and possibly get unwanted solicitaions from them. Does anyone have any idea? Oh, and would it be different for a 17 year old?""

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

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

How much should I expect to pay for car insurance?

I am a 16 year old male in Texas. Having a sports car, being a male, and a teen, approximately how much am I looking to pay a month? What would be the cheapest insurance to have?""

Will my parents insurance go up?

My parents have state farm. I'm 17 and I just got my license. I would want my name under my moms car. will my parents insurance go up? and if so about how much?

Can I get car insurance for 1.6L at 17?

I'm a 17 year old girl, looking to buy a Mini Cooper hatchback! And a friend said her brother couldn't get insurance for a 1.6L! So I was just seeing if that would be possible for me to insure before I purchase one!""

How much would car insurance cost me???

Before I start calling for quotes, I would like to know approximately how much Im looking at to get car insurance in my name alone for 1 year. I need to know how much to put aside for it. Im female, 31 years old, I live in Queens, NY, will be buying a used car from a private seller, have NEVER had car insurance in my name, and Ive had my license for about 10 years. Also, why is it that when you request a quote online, they only give you an estimate for a 6-month policy? Does that mean you only pay insurance for 6 months or do you have to pay the 6-month premium 2x in that year? Thanks.""

How much does insurance run for a 16 year old in North Carolina?

My Son gets his Licenses on August 17 of this year. So i am trying to figure out about how much its gonna run for him to have car insurance

Where can I find affordable health insurance for my son who has a mental illness.?

my son has a mental illness and maxed out of my husbands policy due to his age. He works 15 hrs. a week and his employer doesn't offer insurance for part time employees. We've checked numerous policies on line and the cheapest we've found for him is $800 a month, way more than we can afford. Because he still lives at home, our income is considered as far as government paid plans. We need to find a policy for him but I'm at a dead end. Any suggestions would be very much appreciated.""

Can a ticket in another state affect my insurance rates?

What are the average car insurance rates in California?

More specifically, if you live in California, how much do you pay? I'm buying insurance for the first time and I want to get the most basic coverage at the cheapest rate.""

How can I get cheaper car insurance at 17?

How long are car insurance companys supposed to provide a rental car for?

i have a 2004 chevy caviler that is completely paid for and some guy ran into the back of my car yesterday. It's completely crushed in. i have liability and he has full coverage ...show more

Will my car be fixed even though car insurance runs out?

Hi there. A car came into me the other day and bumped my car, I have fully comp insurance which runs out january 11th in my mums name, but i am the named driver. The car will have to have quite a bit of work done so im guessing it wont be fixed before this date. The other drivers insurance will be paying for the cost, the insurance and car is in my mums name, and I want to change myself to the owner (official through DVLA) and take out my own insurance before 11th instead of renewing with the smae company. Will they carrying on fixing the car if the insursance who have delt with the claim has run out, also will if be wrong if the car was in my name before the car was returned to my mum. I hope this makes sense, and i hope someone can help thanks.""

Cheapest auto insurance in PA??

I just got my renewal notice from Titan, a sub-company of Nationwide, and my 6 month premium is $3846.10 I almost screamed.

https://www.linkedin.com/pulse/how-much-homeowners-insurance-do-i-need-alexander-brown/"

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cyberdelusionphilosopher-blog · 6 years

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Was this insurance agent being rude?

"Was this insurance agent being rude?

So, there is a new insurance agent and I recently got a new car. Anyway, I was asking her if I could get a lower monthly payment on my car of $91 or so. My supposed payment is $105. She said that the only way that I can pay $91 is if I enroll in life insurance and get more coverage. Well, I declined, and she still has hassling me on the phone on how it will benefit me. Well, I don't plan on doing any type of life insurance. I'm in my 30's, I'm single, no kids. I don't even have life insurance through my work. I told her that I'm not interested in it, but she then proceeded and asked, Do you even know what a beneficiary is? I told her Yes. She then attempted to persuade me to put my parents as a beneficiary-ok

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

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im 17 and a provisional driver.i have jus bought a car because my test is soon. i want to insure my car as a learner and then change it to full license when i pass my test. is any 1 with a cheap insurance company?

Do you have to buy insurance for your car?

Im planning to buy a 1968 Chrystler Newport. This will be my first car. I live in BC. What should I expect to have to pay monthly for insurance? or do I need to buy insurance at all for my car?

Insurance Cost for a 1966 mustang convertible in mint condition?

I'm curious how much, on average, would insurance cost for an 18 year old male driving a 1966 mustang convertible in mint condition be? And if you could explain why too that'd be awesome thanks! :)""

Around how much does car insurance cost?

just learned to drive, my parents said i can have their old wagon if i pay insurance. i want to see if i can afford car insurance. how much is it approx?""

Insurance for a rental car?

Is your own insurance enough to cover a rental car or should you purchase the supplemental insurance offered by car rental companies?

Good insurance companies for 17 year old passed my test!!?

ok ive pased my test a month on friday and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 17 year old have and who is it with, please :)""

How to handle a partial month of health insurance?

I currently am paying for a family health insurance plan with Oxford. The premium is $800 a month, due on the first of the month for that month's coverage, with a grace period of about 30 days. I am switching from a contracting position (where I pay my own insurance) to an employment position (with a very nice health plan) on 9/7/10. What I want to avoid is paying $800 to my current insurance company when I only need 7 days worth of coverage. I also want to avoid a lapse in coverage. Do I not pay anything until the 7th, when my new insurance plan kicks in, and them call them and tell them I am cancelling and only want to pay from the 1st through 7th? Or do I pay the full $800 and hope I will get a pro-rated refund? Thanks in advance!""

Does anyone know of any really cheap car insurance companies in the u.k?

Preferably ones that dont want a lot of money up front

Is it illigal to drive without having the proof of insurance IN your car.?

I have insuarance and i will be getting the papers tuesday. Is it legal in Texas to drive without the pyhsical papers, even though I have the insurance.""

Can you pay car insurance monthly without extra charges?

Most car insurers charge a direct debit fee up to 30% APR if you pay monthly - are there any free ones (or at least cheaper ones)?

""Hi, this is my first time getting contact lenses, i just wanna know where can I find an affordable price?""

I have called a few optometry clinics already but the price is just not satisfying; it was around $350.00 for a year (including eye exam). I would like to know if there is any other place that would do it for cheaper. By the way, I live around San Gabriel, CA. Please recommend optometry clinics located around me(less than 20mins drive), I would appreciate it.""

Best and cheapest (under 2000) convertible for a 17 year old?

cheap to buy, cheap to insure, cheap to drive but looks good and drives well. has to be under 2 grand the insurance has to be cheap - under group 10 - (i know insurance is gonna be expensive for a 17 year old) i was thinking fiat punto 1990s convertible or renault megane 1990s convertible...maybe? or rover convertible?""

Do you feel sorry for insurance companies?

Insurance companies that helped develop Obamacare?

Do you need insurance in florida to drive with a learners permit? with a liscence?

In florida do teens need insurance to drive their parents cars with a learners permit? once you get a liscence can you drive their car without being included on the insurance as long as theyre in the car? the car has insurance im just not listed on the policy

Do you have to buy auto insurance as a condition of OWNING a car? or DRIVING a car?

If you own an RV and you live in it but you don't drive it.....does the auto insurance mandate apply to you?

Pre-existing condition on health insurance?

If I apply for health insurance with a preexisting condition and they give me a 12-month waiting period before covering the condition - does that 12 months start over if I am treated within the waiting period and I pay for the treatment on my own? Or does the 12-month waiting period begin from the date I purchased the insurance, regardless of what takes place during the waiting period?""

How do i compare insurance companies?

My boyfriend is the sole souce fo income for teh two of us right now (and for teh forseeable future), do to a medical issue i am dealing with. and that brings up the issue taht we would be in a world of troubel if he is hurt, or if he dies i would be in trouble. So we are thinking about getting him life and disability insurance policies. But there are so many companies out there, it seems daunting to research them all. and if i were to use a broker, how would i knnow they have my best interest in mind? so i was hoping people could share their knowledge and experience in this area. any tips are helpful! any stories (good or bad) about yoru experience with a particular company are great as well! Thanks so much!""

Was this insurance agent being rude?

Which insurance company is the cheapest for a 18 year old?

iv just passed my test, and bought a citreon saxo 1.1, iv been on many comparison sites and the best quote i get is 3500 third party only which is way too much. Can anyone help me find a better quote Thanks""

Cheap car insurance for young new driver?

hi, I`m 19 years old, i passed my test two months ago and i would like some help. I tried lots of insurance companies, different cars, last time i tried i used a 2002 smart for two with my dad as a first driver, 4 years ncb and the insurance is still 4k. can someone help me and give me some advice ? thank you""

""I have a company car, who should pay for the car insurance?

I have a year contract with this company and they are giving me a car for the duration of my employment. they told me i can use it for personal as well as work use. they told me i have to pay for my insurance though. is that fair?

Does anyone have any idea how much insurance would cost for this car?

the car i want is a 1987 pontiac fiero fastback gt with a 5 speed manual transmition and a 2.8 L engine. what would insurance be for a 16 or 17 year old male?

What's the point of car insurance?

I've been paying my insurer monthly for several years. I have one relatively small accident where my damage doesn't reach deductible (so I have to pay for my damage out of pocket in full), they pay the other car which was around $1500 or so. They raise my premium for 3 years to an amount where in 3 years I end up paying for the other car anyway, and I still pay monthly as I have for all of the years before that... I'm trying to figure out how that's beneficial - outside of the fact that they paid upfront.""

How much would insurance be on a 2006 Dodge Charger SE?

im graduating next year and i was just curious about how much insurance would be for a 17 year old with a charger.

Is there any way a 16 year old minor can get car insurance in his own name in SC?

From what I have read it seems like all I have to do is get my parents permission to get my own plan in my name and that's it. And if you can please give me some car insurance agencies that will give minors car insurance. thank you

I have three speeding tickets in the last 6 months will my rates sky rocket?

I got my first in December of 2007, and went to traffic school. Since then, i got a speeding ticket in april and just got one this morning - i have allstate insurance - will my rates skyrocket? is there any way to call them and avoid this? what should i do?""

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?""

Why should the government force us to buy car insurance?

If its wrong for the government to force us to buy health insurance, is it also wrong for the government to force us to buy car insurance? I mean.... in both cases, if you don't have insurance and something goes wrong somebody else is going to have to pay for it.""

18 want car insurance?

right looked online all compare sites give sh*t results, i got quoted 14k for a suzuki alto 23k for a fiat cinciquento (whatever its called) ive rang i kube and got quoted 9k for the suzuki alto thats with the curfew, passed my test on the 22nd of march 2011, wheres good for cheap insurance, ill have curfew if needs be so please shed some light""

About US Motor Insurance?

Where I can learn the basics of US motor Insurance (need not be state specific)

How does auto insurance works?

is the cost of auto insurance determined based on car model, year, or the the car price sold at?""

""Why chevrolet insurance is cheap in alberta, canada?""

Why chevrolet insurance is cheap in alberta, canada?""

Any recommendations for affordable individual/family dental insurance?

I already looked on google and found a few affordable dental plans for myself...Is there anyone who is currently enrolled? How are the prices? Any recommendations on where i should enroll, or insurance plans i should stay away from? I was interested in Aetna dental plan. Is there anyone whose enrolled with them?""

Question about health insurance!!?

Can a health insurance company cut your coverage while being treated for depression?

Who has the best life insurance?

I have a Whole Life policy already, but I was wondering which company has the best product and if I should switch to a new company. I like the idea of getting term and investing the difference, but then I don't like paying for something that I'm not going to get back or get anything out of, that is if I don't die during that term period. So which company is the best to go with?""

Which company provied better mediclaim insurance?

How can i find active life insurance policies?

life insurance policies on the deciseds joe g. ward

Value Of Car Set By Insurance Company?

My car was recently stolen and declared a total lost, when I first got insurance on this car the new or used cost value was set by my insurance company for $19,000. Now that my car is a total lost they only said they can give me the fair market value only. Why did they set a price of $19,000?""

""How greatly does color impact the cost of insurance (Geico, if that helps.)?""

I'm car shopping (Even though I still don't have enough money. I'm still in the research stage). I was originally thinking dark blue (Thankfully, I want to stick to that on most of the sportier ones.), but I've found certain models that I really like in red. I was told that it's really hard to afford insurance on red cars. (Even if they aren't exactly party vehicles... The Buick Lacrosse is in my top 5.) How true is this?""

I am 17 and pregnant and don't have health insurance?

i just found out i am pregnant and i am 17 ill be 18 in june. I DO NOT BELIEVE IN ABORTION!!!! i don't live with my mother or father i live with my aunt and grandma.... i have no health insurance and that is a big problem because how am i going to pay for the doctors and delivery.... can some one please help me finding some place that can help with insurance for the baby and me. P.S i live in california . and please don't even bothers answering me if u have nothing good to say because i do not need your immaturity. Thank you so much for you help :)

What would be an estimate for in on a 2WD silverado for a 16 year old male living in California?

I recently got my license and am looking at ins. Can someone find me a quote (or at least give me an idea) for a 16 year old male living in California. The vehicle would be a 2WD 2006 Silverado. I also have a clean record if that helps at all. Thanks!

Is it possible to get a loan and homeowner's insurance for a post & pier foundation house?

It's a small home and it's not located in an earquake area. Would having this kind of foundation reduced the value of the house?

What is the best affordable Medicare supplement insurance for Indiana?

Was this insurance agent being rude?

""Can you take drivers ed after you get your license, and still get an insurance discount after the class?""

I have my driving test coming up, but have not taken the class or an ODOT (Oregon Department of Transportation) approved driving course, and was wondering if i had to take it before i got my license to get better insurance rates.""

I need to win this bet! $5000.00 on the line! Attn: Car insurance reps!!!?

Okay, my mother bet me a 5 thousand dollar car that she is right about this. Here we go. I am 27 and live back at home with parents. However, I rent a room that i pay for every month, and they write me a rent receipt, etc. I recieve county assistance every month, and they have me documented as a seperate family from my parents, meals prepared seperately, the whole nine yards. So, if they are just my landlords technically, and if i drive a car that is registered to me, my name on title, my OWN insurance policy, and I get into a accident in MY car, can they other party sue my parents for damages? Remember I am 28 years old, living in a seperate household from them. I feel that they cannot sue them cuz they couldnt sue my landlord if i lived in an apartment complex, so how coyuld they sue my landlords?""

Which Car insurance would i preferred?

I want best insurance on my car, there are many types of insurance, which insurance is good for me, can you suggest me.""

Cheapest insurance for 17 year old?

i want a convertible but the insurance is way too high! whats the cheapest insurance for a 17 year old please answer

Best and Cheapest Motor Trade Insurance UK?

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

Health Insurance Company in Ohio?

Affordable Health Insurance Company in Ohio

250CC motorcycle insurance-How much should I expect to pay?

I am looking to buy my first motorcycle. I am looking in the 250CC category. I have narrowed down to 1. Yamaha Virago 2. Honda Shadow I am 29 yrs old male with good driving record for car. Have good credit history. How much should I expect to pay for insurance for the motorcycle if I buy 1. NEW 2. USED (my preference). I would probably look for a MB with 10-15K on it.

How does uninsured motorist car insurance work?

I was hit, not my fault. First accident. The guy that hit me has insurance, but I guess im wanting to know if im going to have to pay out of pocket my deductible for my uninsured motorist even though he has insurance? (don't know how the insurance works)""

When to get health insurance for your newborn?

I am in my first trimester and just wondering when do I need to get health insurance for my newborn-the health insurance is United Healthcare and offered through my job

Average cost of auto insurance for 21 year old male?

i know it changes with companies but i just wanting to kno a ball park estimate so i can budget accordingly

What are the recommended coverage i should have for auto insurance?

i don't know anything about auto insurance, so im trying to figured out what i should include in my policy, not just standard, but recommended coverage, so that if anything happen the insurance company can't say this or that doesn't covered...im a person that rather be safe than sorry later... so far i have statefarm in Florida, and here are my coverage and limit so far: liability bodily injury 10/20, property damage 25 per accident. no-fault coverage comprehensive collision uninsured motorist bodily injury 10/20 is there anything else i need to add or missing? is there different between the personal injury protection and no-fault coverage? is my limit enough? my friend has 50/100 limit and pays much lower premium than me (about 40% less).""

""When someone dies, does the family get money from their life insurance?""

When someone dies, does the family get money from their life insurance?""

When will my motorcycle insurance lower?

i live in florida im going to start riding soon probly start out on a ninja 650r but i wana move up 2 a zx14 after a while(my dream bike) but the insurance is nuts on it like 800 a month now on the 14 the 650 is like 120 with amazing insurance and 250 deductables when will my insurance drop? does it go by age or experience?

Would using a motorbike for a year make insuring a car cheaper?

i'm at college and i am looking at learning to drive a car and i was wondering that if i used a motorbike or moped for a year without claiming on insurance would it decrease the cost of car insurance? because that is what my friends have been saying

Cheap motorbike insurance ?

Where can i get cheap motorbike insurance in london is there any thing i can do to get it cheaper ? UK only

Need cheap & affordable Health Insurance?

I have a friend, Yes a Friend, She and her husband are paying $160 a month for Health insurance & its, Medi-cal, Which is Welfare, So I told her that there has to be a GOOD Insurance out there that is cheaper, She needs help, Can she find anything thats better then $160 month.""

How do people driver around without car insurance and get away with it?

I watch court shows on tv and many people are taking someone to court because of an accident and the other party does not have car insurance

Insurance on a 2005 ford focus?

What would the average insurance for progressive be on a auto 2005 red focus with 70k miles. For a 17 year old and a 45 year old. Can I legally put my car in my parents name to lower insurance cost?

Applying Health Insurance with High Blood Pressure?

I have a question. If I have high blood pressure, will insurance company reject my application instantly? I am 24, male. I am just worry about this HBP, so I am trying to figure out how to apply for a health insurance. Also, my income is kind of low, is there any benefit I can count on in California(Alameda)? Thank you for answering my question""

Car insurance help?

Ok so im about to turn 16. my parents said they would get me a car, but only if i paid my own insurance. can u please tell me how much it would be a month. and what company would be the lowest price. i dont know if u need this info but. im 16. white ( someone told me it matters?), i live in florida (palm beach county), and the car will probably be an audi a4. thanks for help""

Can I get motorcycle insurance without my parents finding out?

I am a Nebraska resident, so are my parents, and I am currently a college student. My parents still claim me as a dependent, and I am covered under their insurance plan for my car. My dad has an umbrella plan that covers all of my family and each of their vehicles. Just recently, I bought a motorcycle without them knowing. I have the bike and the title, so I want to take it to the DMV to get it registered under my name. (1) Will an motorcycle under my name show up on my dad's policy because I'm covered under him? Or can I get my own motorcycle insurance through another insurance agency for just motorcycles, but stay under my dad's umbrella policy for my car (without him knowing)? (2) Are there penalties or negative repercussions if I register it, but just store it (never drive it) and do not buy insurance OR license plates for it within a certain number of days? Any and all suggestions that might help me are much appreciated. The end goal is to be able to drive my motorcycle starting in the Spring of 2014, insure and license it myself, stay under my dad's policy for my car, and all while he does not find out about it in any way. Is that possible?""

How much do you pay for health insurance and who do you have?

People keep saying that Romney care made insurance affordable in MA. If health insurance in MA is cheap compared to other states I'm wondering how much you pay and where do you live? I live in MA and I pay $14K a year for Tufts. BCBS of MA wanted nearly $20K.

Top 10 low insurance and tax cars in insurance group 1?

just wanted little info about top 10 cars that are: 1.0 - 1.2 litre engine Insurance group 1 Low road tax

I got into a car accident like 2 weeks ago and i havent recieved a rent a car from the insurance company??????

I havent recieved a rentacar from the insurance company i didnt have insurance since the car was no more that 3 hours new to me i had just bought it. It was cansidered a total lose from the insurance what should i do.

""Hai, i need to go to Muscat by car is it possible to get insurance from hatta border for this car which is registered under my friend's name?""

Hai, i need to go to Muscat by car is it possible to get insurance from hatta border for this car which is registered under my friend's name?""

Was this insurance agent being rude?

https://www.linkedin.com/pulse/can-someone-other-than-owner-get-vehicle-inspection-sticker-mays/"

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weannoyingbouquetgalaxy-blog1 · 6 years

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What kind of license do you need to sell auto insurance?

"What kind of license do you need to sell auto insurance?

What kind of license do you need to sell auto insurance?

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

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can auto insurance companies raise your rates if you have a medical marijuana card

Cheap car insurance? and cars that are cheap to insure?

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Hi, so this morning someone crashed into my car..hit and run, people now a days, and ofcourse it ruined my fourth of july. I have full insurance cover 100 Deduct Comprehensive and collision, and i was reading comprehensive replaces your car or something? Idk, but thats what i want. I had a brand new 2013 Malibu Eco LTZ, loved it, now its messed up, n now im not going to be able to re-sell it down the line ya know :/, but since i have that, could they replace the car and give me money to buy a new one? Heres something extra 1.Brand New Car 2. Insuring 4 cars with them (State Farm) 3. Re-sell values gunna be ****.. 4. I had state farm for years So, is it possible for me to get a brand new car?""

Do you have to pay for insurance when you start a driving job?

A staffing agency is requiring me to pay a $150 refundable deductible before I start the job, does this sound legit?""

What are the associated costs of adding different types of coverage to auto insurance?

Anyone know of any affordable dental insurance? ?

i work full time, and want to have some dental work done, i was looking online, not having any luck.""

What height/weight ratio will get me best life insurance rates?

I want to replace some ART life insurance with level term. But I'm worried my weight relative to height might keep me from the best rate. Is there some way to find out what numbers trigger higher risk? If so I might wait another year and try to lose 10-20 lbs.

How do you get health insurance for under $500 a month?

My health insurance premium costs $500 a month. What options do I have for a cheaper plan? Would I have to avoid going to the doctor for many years to get affordable health insurance ? What is the secret?

Teen Car Insurance in California?

My friends is asking about, How much is the insurance for a modified car for teens. ok let say I brought a modified car from the owner and I wan to insure it how much would be my insurance? I want to know in California I don't care about other states thanks!!!!""

How much would insurance for 2009 Ford Focus be? Estimate?

I'm wondering how much insurance would cost for the 2009 Ford Focus for a 17 year old girl be? I want to buy a 2009 Ford Focus when I turn 17 not this coming up January but next. Oh and prices of how much the car costs would be nice too. Thanks!

""Im 16 and have been for nearly a month, still havnt had anything about a national insurance card?""

Right, well i turn 16 like back in august, and i never got sent a national insurance card or anything about it. does anyone know who i have to phone to find out why i havnt had it??""

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

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

How much will this ticket bring up the car insurance?

My boyfriend is 17 and getting his license. About a year ago, (last summer) when he just had his temps, he was driving without a parent and speeding in the middle of the night. The speed limit was 65 and he was going 104... He got caught by the police and had to go to court but he got off easy and they didn't give many charges. They let him off really easily actually. He just got his license delayed for 3 months, so he had to wait 3 more months to get it. That was all that happened though. So now he's all worried about how high his insurance will be and how many points will be added on his license and stuff. Like how much higher will his insurance go up? He lives in Ohio. &He's not a bad kid or anything.. he was just messing around with a few friends one night and they just so happened to get caught...""

Medicaid health insurance? for pregnant teen?

I am 17 years old. i recently found out i was pregnant and i am under my moms health insurance. unfortunitly i am currently unemployed and my boyfriend's job isn't that good. with my mom's insurance i have to pay $20 every time i go for an appt. and the bills are kind of high. i need better insurance for me and my baby on the way and someone mentioned medicaid. any idea how to apply? also if anyone has a good insurance for them and their baby i will take any advice!!

How old does the bike have to be for classical insurance?

ive been told that my bike (86) should be put under the classical insurance for motorbikes, how old is it? please and thank you. (p.s. this is in the UK)""

How Insurance Companies Calculate Food & Hotel Expenses?

I have renters insurance, there was a fire, and I cannot live in the apartment while it is being repaired. The insurance company - State Farm, said they will pay for my and food expenses. How do they calculate these numbers, maximums, etc. Thanks!""

Can a Healthnet insurance bought in California be used in the Philippines during emergency cases?

My Aunt is from California and she's vacationing in the Philippines. Due to severe allergy attack, she was rushed to the emergency room in one of the hospitals here in the Philippines. Her health insurance provider is healthnet. The hospital here said they don't accept healthnet card. What can she do ? What other options does she have? If the hospitals here can refuse to accept Healthnet cards, can she just pay the bill and have it reimbursed later by healthnet when she gets home?""

What kind of license do you need to sell auto insurance?

Question about car insurance for teenagers?

I'm in California, my friend called an insurance company and they said underage drivers can drive on their parent's insurance coverage if they have insurance, which means he doesnt have to pay since he's 17 and his dad has insurance on his car, to make a insurance contract he has to be 18. Is this true he can drive on his dad's insurance?""

What does your credit paying history got to do with paying higher/lower car insurance rates?

Car insurance and the state you live in and registration?

I just moved from Richmond VA to Greensboro NC. My car insurance is in Richmond VA and and my car is registered up there. I'm only going to stay in North Carolina for about 8 months. I want to know if I can switch my car insurance to North Carolina with out having to register my car and switching my license plates over to North Carolina. Car insurance is a hell of alot high up in Richmond than here and I want to save some much needed money. Anyone know if I can make the insurance switch with out having to register my car and switching my tags over to North Carolina? Please respond with only legit answers.

Free Health Insurance?

no it didn't help. it has nothing to do with health insurance

We are looking at buyin a house what insurances will we need and around how much should we budget for this?

We are first time buyers ans are looking to buy a house and we were wondering what are the insurances we need to take out and how much should we be looking at budgeting for this a month any help would be brill thanks x

Help European health insurance card?

my health insurance card has expired and i fly tomorrow? is this card important? if i get ill will they still treat me? and will my insurance company cover me still?

Can I refuse health insurance from my employer?

I am already insured under my husband and in the past having 2 insurances has caused a nightmare of paperwork. I am about to accept a job from a non-profit, so would me refusing insurance save them money?""

Are there any mandatory insurances for employees?

I mean no matter in which industry the employee works. Is there any insurance, say health insurance or life insurance, that the employer must provide for his employees? Thank you!""

What are good sites to get multiple car insurance quotes all at once so you can compare?

I don't mean individual insurance companies like geico or all-state, I mean where it can do the quotes for multiple companies at a time. Know any safe & legit websites? I don't want to put my personal info just anywhere.""

How can I get affordable Medical Insurance for my family?

My wife and I are hoping to have another child soon. Were getting alot of our debt paid off since I am working overtime. However our current Insurance doesn't offer maternity ...show more

Has anyone heard of American Family Insurance? Are they a good company?

Can I buy Motorcycle Insurance for 3 months?

Is it possible for Geico to do that?

*****Why is its called Life Insurance?*****?

If I can only get if I'm Dead? And then someone else is spending my money!

Car insurance?

I ha gotten a speeding ticket like two years ago it was the first ever since I was 18 and now I'm 27.. Paid it.. Will it show on my record when I switch companies? It still hasn't made my current insurance go up but if I switch will it show?

Which type of car insurance coverage?

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

Car insurance confusion?

Hi i'm 18 and my driving test is coming up soon and i always look for quotes on cars to see for the future. My mum said she will possibly give me her car and get a new one if i pass. But on insurance quotes for the car i will be getting i will be the main driver but not the policy holder or registered keeper as i still live at home with her and she will still use the car to go shopping and things like that but I will drive that car the majority of the time. So because i am the main driver on this quote and will drive it predominantly it is not fronting? However my mums no claims will be put on this quote as opposed to her other car so is that still ok? And who will get the no claims bonus at the end of the quote the main driver or the policy holder and if its the main driver will my mum still be able to use her no claims on another car if i gain my own? Sorry for all the questions i just want to make sure i'm not going to be breaking the law on any possible quotes i may take out Thanks in advance.

Perth; Can I ride a motorcycle without insurance?

And if I am buying motorcycle insurance, how come they ask me how much I want to pay? Please see the link at http://rac.com.au/Insurance/Motor-insurance/Motorcycle-insurance/Motorcycle-insurance-quote.aspx So how much must I pay? I bought my second hand scooter for A$1,000 on bikesales.coml.au""

What are life insurance quotes and its advantage?

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car insurance is to cover the other guy, people often have liability only which give no personal coverage whatsoever!!! ca""

Hi I are v8 insurance more expensive than v6?

I'm getting a car soon and I can pick between an 08 bmw 528i v6 or 08 bmw 550i v8. I was wondering if insurance would be the same because there the same car. I live in California thank you.

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I am a 22 yr old married college student. I have been married to my wife for 2 years. We don't plan on having any kids until after we both graduate from school, but there is a ...show more""

What is the best auto insurance for an adult driver?

For a driver that is under 25 but older than 21, what is the best auto insurance for a minivan or an suv? No accident history. No tickets. Clean driving record.""

Is the high cost of health care and insurance the result of...??

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How much does auto insurance cost for a 17 year old boy for insurance companies?

I'm in the u.s.

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Hey guys, My mother has had two accidents in the past, one of which was her fault.""

What kind of life insurance companies are there in states?

Will I affect car insurance rates ring on the cars title?

Me and my fiance re buying a car together I asked him to put it in both our names but he said nothing against me he just don't want his insurance to go up but I was told I don't have to affect the insurance even if the title says (him and me) the insurance would still just Be in his name.?

Scooter insurance - Average cost?

I am 29, female, live in Greater London. Full cat B licence for 2 years, but no formal bike training, and will be riding a scooter of 50cc or lower. Any idea roughly how much I can expect to pay?""

Has anyone used Young Driver Insurance ? With CO OP?

Im searching for cheap car Insurance, I came across CO OP Young Car Insurance, Been Quote 1700 with my 1 years no claims and been driving for 4 years. Without CO OP insurance confused website I did the same search was quoted 2500. Has anyone had CO OP young Insurance can you tell me the Pros and Cons of this Insurance Company, Also if I was driving at 35MPH in a 30zone would I banned from the Insurance company.""

""Affordable Health Insurance, Cheap Online Health Insurance ...?""

represent all major medical insurance carriers, From individual health insurance, self employed health insurance, family health insurance, small business ... http://businessandfinance.cn/health-insurance.html""

Car bill of sale/insurance?

Im 18 with no licence Im actually in the process of trying to get my licence well my question Is can a family member Put me under there car insurance so i can Register my car since the Bill of sale Is under my name? Im not planning on driving the car until i have my licence

""Would it be worth going through insurance, pictures?""

Its a 2002 Honda Accord SE 4-door. Lets just they there was an incident, anyways. The rear passenger door is banged in. My issue is, if I buy a replacement, would it be hard to mount the door, are the bolts, just screw on, and the door is already aligned or is there some type of process? The deductible would be $500 with the possibility of higher insurance rates. I could get the door in the same color for less. What should I do through insurance or do it myself, would it be difficult? I have someone who will paint it, if it doesn't match. Supposedly, as far as the Window components are (Regulator etc, they are included in the replacement also) http://i9.photobucket.com/albums/a81/oyoki1/Pictures1026.jpg""

Any idea how much insurance is on a slightly new mustang for a 16 year old?

pretty much said it all but maybe a 2000-2005 mustang.. idk how much insurance would be since its his first car.. thanks

How much is car insurance for a 21 year old female?

I'll be a first time driver as of next month and I was curious how much I'll be looking at as a ball park estimate on my insurance rates. I know I'm a late bloomer for driving but I have never needed it as I live in a city. But as I want to do and go more places, I need a car now. Especially since I'm moving out of state, on my own, in 6 months. I was wondering how much I'm going to be looking at. I'll be driving a small sedan, maybe a 04-05 Honda Accord or Civic. I live in Texas now but I'll be moving to Ohio, in February, and if anyone could give me rates for both places I'd be much obliged! Thank you so much for even answering my question :)""

Do you need to be full time student to be in your parent's insurance?

I'm a cancer survivor and on 5 years health watch on Kaiser. I just turned 22 yesterday and I have 9 units of credits in college. Do you need to be a full time student to be in my father's insurance? or did they changed the law? I live in Bay area California.

How can i get cheaper car insurance there must be a way!?

Hi i really can't afford much and i do want a cheaper car insurance quote for my car.But i don't know much about how to get my car insurance quote down is there any tips or ways that you can tell me because its expensive and i am not even a classed as a young driver so it should be cheap!

Cheap car insurance in ohio for a 17 male not on parents insurance?

what would be the average amount for car insurance for a 17 male still in high school not on his parents car insurance. he really needs this car to get to and from college and he is mostly on his own im trying to help as much as i can so what would be a average amount for him knowing this Information. please help me

How much would my car insurance be?

I'm looking to buy another car. I would really like a BMW or a VW, years like 1996 to 2004. I'm thinking like a 3 series BMW or a passat or jetta. I know these are typically nicer cars thus insurance would be higher, though some people claim they're cheaper because they're more safe. Anyway, how high are we talking here? I don't need an exact number but a decent estimate would really help so I don't buy a nice car and find out I can't afford the insurance. I'm an 18 year old guy, I have NO tickets of any sort, no accidents, I commute about 20 miles to college, iv been licensed for over a year, I took drivers education. I'm under my own name not my parents so my insurance is astronomical cause I'm an 18 year old guy. Please help.""

I need help with my car insurance?

Middle aged female (mid fifties), have had comprehensive car insurance 8 years no claim but current insurers now charging me nearly 500/annum.Insurance runs out 30th october 08. Any suggestions for cheap car insurance companies (in England please) for Honda Accord V Tec (W Reg). Thanks""

How much more is it to insure two personal cars vs. one?

I am just one guy, I live by myself and nobody drives my car but me. I keep insurance on it but conditions may turn out that I will end up with a 2nd car. I would ultimately drive them both and have them insured but how much is it for one person to insure a 2nd car? Is it (premium of one car) X 2 or more like 1.5(P) I hope this wouldn't be too expensive and make it not worth it.""

Insurance for a first time motorcycle driver?

is insurance cheaper for a pickup truck or motorcycle for a first time driver? either would be pre 1990 the motorcycle would be a 250cc honda

Would anybody please tell me what do I have to do to become a car insurance broker?

I am interested in car insurance industry and would like to become an insurance broker. I don't know the course or the line to follow.

Will this affect my auto insurance rate?

I accidentally hit a poll, no one was injured. Only damage to my front bumper. I went to a body shop and the estimate is ~$2000. My deductible is $500. Should I go through my insurance or just pay it out of pocket? Will a claim automatically make my insurance go up? I am a 29 y/o married male with a clean driving record.""

What kind of license do you need to sell auto insurance?

https://www.linkedin.com/pulse/cheap-auto-insurance-mississauga-area-robert-ryan/"

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Oklahoma City Oklahoma Cheap car insurance quotes zip 73142

"Oklahoma City Oklahoma Cheap car insurance quotes zip 73142

Oklahoma City Oklahoma Cheap car insurance quotes zip 73142

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Im just looking what sort of prices id be looking at for insurance for small cars (1.0/1.1 engines) and cant get a quote under 3000. Who are the best insurance providers for recently passed 17 year olds?

Why is car insurance so high for a 30+ female with 10yrs ncd?

I'm just looking for a new/nearly new style Ford KA and looked at some insurance quotes and ive noticed that nothing comes in cheaper than 360. It's not what I'm driving as I've looked at smaller cars such as Peugeot 107's and Citroen C1's (both new and older cars). They all come out with nothing cheaper than 360! I had a brand new KA back in 2003 and that was only 260 for insurance (I do understand that insurance has gone up in 10 years!), but why cant I get anything cheaper? I'd see myself as a model driver as I've been driving for 11 years, never had an accident, never claimed on my insurance, never been booked or had any points and I'm now in the 'older' bracket! Please can someone explain, or reassure me that it's not just me this is happening to?""

Insurance for quad biking abroad?

I'm going on holiday in a couple if weeks and have already bought travel insurance that covers everything apart from the use if quad bikes. It's likely that me and my group will want to use them at some point, and I'm wondering if its possible to either buy insurance out there, or buy insurance online for quad bikes only. I don't want to buy a whole new insurance policy as this will cost another 20, and I am already covered for everything else. Thanks.""

How much is your monthly car note and how much is your insurance? How many months do you have to pay it off?

What do you drive and do you feel its worth it? I pay $271 on my note. My insurance is $138. I had 42 months on it. I drive a 2005 chevy cobalt. So far I guess it is worth it. Driving is very expensive.

Why is car insurance rates so high?

""Can I get my car towed home, from a car lot without insurance? Or can I keep it there until I get insurance?""

Can I get my car towed home, from a car lot without insurance? Or can I keep it there until I get insurance?""

The Cheapest Car Insurance Company?

Hi im 20, i got a quote on a peugeot 205, m reg, 1.6, its around the 1,500 mark =O, anyone maybe can help""

How much did your car AND insurance cost?!?

I need to do an independent survey for my maths GCSE and i need to know how much your car cost and how much it cost to insure it. Need aout 50 answers overall. 30 at least. Please answer, thankyou!""

Best insurance companies for 17 year old passed my test!!?

How much coverage do you get with salvalge title car? And how much does insurance run with salvage title?

What is the best place for an 18 year old to get health insurance?

My ex is dropping my daughter from his insurance because she is 18. To pick her up on my insurance would triple my premium, which is already outrageous. Is there a reasonable policy out there for a healthy 18 year old?""

Affordable car insurance company?

Hi, I am looking for an affordable car insurance company. Have searched one Elephant.com. Is it a good company? Anybody heard about them or any experience with them? Please share........""

How can my car insurance go up from 128$ to 178$?

My car is all paid off and has been since I bought it. But I don't know why it went up. I looked up other car quotes and there much higheer then what im paying now.

How much is car insurance for a 16 year old?

I am turning 16 next month. I'm getting my liscense then too. I'm a girl... Ahah. I've heard insurance is cheaper for females. I live in henderson, nevada (pretty much las vegas). And my first car is going to be a 1999 porsche 911 carrera. It's in mint condition also. My dad barely used it. I know it will be high-ish since it's a sports car :/ About how much would my insurance be on it a month? THAN YOU! <3""

Car insurance stuff i don't understand.?

Hello everyone, I am an international student who's been in the USA (Buffalo, NY) for the past 2 years working hard on my masters (i'm 25 now). I bought a POS Saturn last year for 2000 dollars and, well, for that i needed to get car insurance since it's mandatory in this country. Since i was from abroad and i had a learner's permit at the time, i had to get insurance with my international license. Progressive was my only choice so i paid around 700$ for 6 months. That's the rate I've been paying for the last year. Unfortunately, i just don't have the money anymore to pay 700 more dollars for the next 6 months. I tried different insurance companies but they are all around the same range. Apparently, i was stupid enough to not get a credit card as soon as i landed in this country. I was raised with the if you don't have money, don't spend it philosophy so i just used my debit card. This is the only reason that i can see for these absurd rates. Every single one of my friends ( all international students ) pay around 200-250/six months dollars for their pieces of crap cars. I just feel like i'm not being given a fair deal. Not having any credit might put a penalty on me, i understand somewhat how a capitalist mind works... let's say about 100-150 more dollars for 6 months, but a whopping 500 $ ? Don't you think it's kind of messed up that first of all it's mandatory, and then there's no baseline to at least make sure that noone gets ripped off. Is there any way that a person can inquire why he is being charged so much(instead of the bs the agents tell you i.e your area is bad etc.)? Or are you at the mercy of these people?""

Auto insurance and a cars value?

How do you find out how much your car is worth and what the insurance replacement value is?

BEST HEALTH INSURANCE FOR SICKLY...WITH A MINIMUM COLLEGE EDUCATION-?

22 y/o and have Cystic Fibrosis its a genetic disease (debilitating lung disease) Eventually kills you, supposedly by age 38 yeah yeah i know. right now i'm on Disability because i need Medicare and Medicaid to cover my expenses. And unable to work do to health conditions at the moment. BUT i want to work when i am able, and i do have my associates and want to obtain my bachelors degree. WHAT JOB (probably for the Union or Governemnt) can i get that has GOOD health Insurance that will not strain my health. ( I cannot work in medical field due too freq. lung infections) My Yearly Bills add up to at a minimun $50,000 and if i go in the hospital several times a year over $100,000.. also have monthly bills for antibiotics, and hospital and doctor visits, testing ECT. If i ever get or need a double lung transplant that costs over $500,000 and i need the medical to pay for it when that day arrives. I DO NOT want sympathy i need people to understand my condition and can point me in the right direction. I hate taking peoples hard earned cash, and i will not do it when i don't need to. I am not on my death bed yet and do not need to be on it the rest of my life.""

Why is car insurance so much money for seventeen year old males?

my daughters boyfreind has just passed his driving test, he has been quoted 5000 for his insurance by car insurers. is this true, or is it a joke.""

Oklahoma City Oklahoma Cheap car insurance quotes zip 73142

Do you need insurance if you are not going to drive the car?

For example if you had a parked car on the side of the road would you need it to be insured?? Because what would happen if your handbreak snapped and it rolled into another car? Who's insurance would cover it?

Can i find out someones car insurance company?

a lady hit my car back in march of this year. she agreed to pay for the damage but then moved out and skipped town. well the police finaly found her but the problem is i dont know her insurance company. i have her full name, and her vehicle vin number. i dont want to claim it on my insurance so my rates go up, thats nuts. so i need to find her insurance company so i can file it with hers! anyway i can do this?""

Advanced driving courses/car insurance?

Hi I am a 20 year old male, i passed 2 years ago, but since my dads insurance went up to 7000 with me as an additional driver both of us totally clean on a 1.4 astra i have been without my own transport as i had to be removed from the policy which is understandable. i've always been a sensible driver with 2 years no accidents or convictions but i have always been an additional driver to save costs on insurance but now the time has come to start building my no claims and i am struggling to find a car i can afford to insure. So long story short what i was wondering was could anybody please tell me of any advanced driving courses or any other ways to lower my insurance quotes and post links to them so i can find them easier. please help its becoming a real nightmare and i am sure if you can help me here you are helping thousands of other young drivers who are being punished because of muppets out there. Thanks for any help i would greatly appreciate it""

Should I contact my auto insurance company (accident was not my fault)?

Okay, my wife's car got stuck in the snow last week close to the subdivision. So I went out to get the car because she's not really good at driving in the snow, but I have ...show more""

Car insurance in America for non citizens on holiday?

I have a few questions about car insurance in America for non citizens. I am going to the USA this summer and will be driving alot.I have car insurance on my own car and have a full license and an international driving permit.Do i have to get insurance on the car in america or will my own insurance in ireland cover it or will i have to start another policy with an american company?Will this cost alot?My insurance here is not expensive and ive never been in an accident or made any claims.Is it possible to be put on my friends insurance as a driver and if so how much would this be cheaper then buying my own insurance?Any information would be great, i am very confused on the matter.""

How do the payment work if a bunch of people are being sued by a auto insurance company?

1 insurance company is suing another insurance company, and 6 people. If the 1 insurance company wins how do they split of the amount sued for? If they do at all... I need answers please""

What is the cost of car insurance with out drivers ed.?

I am an 18 year old girl, looking to get a small used car something like a older civic. What would the average monthly payment be. I live in NH and I have good grades, never been in ...show more""

Part-time job enough to pay car insurance?

Would a part-time job at a mall store or movie theatre pay enough to cover an 18-year-olds car insurance? How old are you and how much does your car insurance cost monthly?

Can anybody Reccomend a good online insurance company for a Cagiva Mito 125?

I have been looking around for a low insurance rate for my Cagiva Mito 125 Motorbike, does any Mito owners know of a good insurer for that bike and how much did you pay?""

Where can I find affordable Homeowners Insurance in South Florida?Mine filed for bankruptcy.Someone reputable?

Looking to find a reputable and affordable Homeowners Insurance Policy in South Florida. I dont have any claims pending and it seems that nobody is offering Homeowners in South Florida due to the hurricanes.I am covered until Dec 2006,then I need to find a new company as mine filed for bankruptcy.Thanks!!""

Car insurance? Audi a3? Finance?

I'm 17 and looking to pass my test by October when I will be 18. Now I went into an Audi garage and they said I could get a a3 on finance when I've passed my test and I'm 18. But I'm just wondering how much would the insurance be? Would they give me a deal or could it be cheaper on my dads? Thanks. Btw I've never had a car or insurance before

Car Insurance for youth?

What car insurance company is usually cheapest for a new driver with a car in the early 90's (1991 Grand Prix) for liablity only. I would go on with my parents but the company they have forces me to pay on every car they own and its just waaaay to much for me since im just starting out in the workforce

""Want car insurance on other person policy, how much?""

I want to be a named driver on someones policy, how much extra will it cost for 24 year old with provisional licence?? Vauxhall Corsa U Reg The main holder has been driving many years. Just want a rough idea..hope you can help""

Insurance for tuners ?

Getting a car soon and wanted to know how insurance works if you tune it uo...like say a geo tracker with an RB26DETT in it...yes i no its close to impossible...would they charge more or what....i no they dont cosmetically but like adding a turbo would they add to ur insurance??

Can you have more then 1 life insurance policy?

How many cars can you have insurance on?

I have a permit, No drivers license the only way I will learn how to drive and get a license is if I buy my own car. My mother ( the asswhole ) has three cars already and uses her insurance.. is there a limit on how many cars your allowed to have insurance on?""

Licence wrong date when applying for insurance?

when you get a quote along the way it asks you to enter when you recieved your licence. what if i put 2-3 years old when in actual fact it is only 2 months old. Will the insurance company find out that i am not telling the truth or can i get away with it? Do they check my licence to see when i got it. thanks.

Why do insurance companies do a credit check. bad credit doesnt make you a bad driver and the same with good?

Car Insurance Payments?

Is the car insurance still in act even if I don't pay for it on the day the payment is due, or does the insurance stop and resume until I pay for it? And, if I don't pay the car insurance on time, will they charge me until I pay them?""

21stcentury insurance?

Can I get car insurance under my boyfriend's name even though the car is registered to me?

My car is registered under my name BUT i want put my boyfriend as the primary driver on the car insurance. He signed over the title to me because of some private reasons but even though legally its mine I still see it as his. Anyhow, can I put car insurance under his name even though the car is registered under my name?""

Cheap car insurance with DUI?

I'm really struggling to pay rent along with everything else, and now I have to pay car insurance or else my registration will be suspended. I can barely afford to buy food with my part time job and school. Is there a really cheap car insurance company that accept DUIs? I don't have bad credit and have ALWAYS paid my bills, I just need something relatively cheap or else I have no idea how I am going to stay under a roof with food. I live in northern California if that matters.""

What steps are needed to obtain a license to sale Insurance in the State of California?

I have a college degree, but just had a baby and I'm looking to obtain a license to sale Insurance for when my son gets older so I can have a flexible schedule. What is the process in the State of California to obtain a license to sale Insurance? (car insurance, business insurance, home insurance, etc.) Is there a seperate license for each kind of insurance? or does one license cover all of them? Also, what are the steps to obtain a license? Any information would be great! (also, how long is the process of obtaining a license?)""

What are my health insurance options as a student?

I'm 22 years old and a full-time student at a California State university. Last month and without warning, my dad cut me off of his company's insurance and is refusing to put me back on because he claims we have no relationship and he essentially wanted to be spiteful as he has done since my parents divorced. My question is this: Can he even legally do this? As a full-time student, isn't it my right to be covered by his insurance? I can't get any insurance through my mother as she is unemployed. Because I'm pulling 19 units at school, I can't take on a full-time job to get health insurance. So what are my options? Is there a way to force my dad to put me back under his plan? If not, what should I do? I'm confused and scared because just over a month ago, I had to go to the ER because I broke my nose. Two days later was when my dad cut my insurance. Now I don't even know if that ER visit was covered because he didn't warn me before he cut me off. If someone could please help me figure out what to do in this situation, I would be very grateful!""

What are full time jobs that have full health coverage?

I am looking for jobs that have full health coverage, being I have MS and need my medicine and could not afford it on a normal insurance, what are some jobs that have medical coverage?""

Oklahoma City Oklahoma Cheap car insurance quotes zip 73142

How do we get life insurance?

im 45 & my wife is 42 we have 2 kids one is 18 and one is 20 we never had life insurance before 1.how does it work? 2.is it expensive? 3. how much money can you get? 4. what company is the best to choose? 5. can we still get life insurance? please answer all my questions dont put stupid answers :)

Should I take a term insurance rather than home mortgage insurance?

Normally many banks want the home loan borrowers to take mortgage insurance. Here there are controversies since many suggest borrowers should take term insurance instead. But do term insurances always give better protection than term insurance? How does a mortgage insurance compare with term insurance in terms of premium amount, premium payment period, risk cover of death, disability, chronic disease, surrender value, survival benefits etc? Apparently the term insurances are cheaper but have to be paid for a much longer period than mortgage insurance (generally paid for about 1/3rd of loan period.) So which options is better? I would specifically like to know about such products available in India. Thanks.""

High risk auto insurance?

Guys, Please what is the Best Option Online for High risk auto insurance, i am looking for One Just In Case Thanks""

Insurance and Driver License MN?

I just started my policy with 21 insurance and I moved from home to my grandma to now to chaska. Which is closer for work. Im getting a new driver license. But I told the insurance company my old address since I didn't get the new card for driver license. Is this bad will my rate go up ? I told the insurance company I work 3 days a week and its 45 min one way. But now im closer to work.

How much will my insurance go up for a speeding ticket?

I got a speeding ticket in July going 100 mph in California. I live in AZ and was visiting when I got pulled over. I got a notice in the mail saying it's mandatory for me to appear in court. Does anyone know how much my insurance will go up? I'm 25 yrs old and this is my 2nd speeding ticket. The 1st one was in AZ and it doesn't show up on my record because I went to driving school.

Why is the US government forcing health insurance on me?

My hate for the US government is growing by the day.

Kit car insurance for new driver?

how insurance companies are looking at new drivers that are thinking of getting a kit car, is it based on value of the car or just what engine it has or what it was made from? what it be higher then standard insurance? thank you""

What is the best Pregnancy Insurance Available to a already expecting Mom w/no health coverage at the moment?

Health Insurance for Pregnant Women!

Insurance for a 2007 Nissan Sentra SE-R Spec V?

Do you get your credit checked for car insurance quotes?

Does taking driving classes cheapen the cost of driving insurance for new drivers?

I'm planning to get my driver license when I turn 18 which is in two months and I live in Massachusetts. The state law says that you don't have to take driving classes in order to get your driver license if you are over the age of 18 but I am taking in order for my driving insurance to be less. If so, do you save around 10-15% on driving insurance rate? And how long does this discount on this insurance last for drivers.""

Buying a car/insurance help?

I am 17, currently taking driving lessons and looking to buy a car. I wanted quite a big car, such as the Ford mavric as ones that i have found in my price range. However the insurance is huge for them type of cars. I was wondering if anyone could tell me quite big cars with cheap insurance Thanks""

I need some Insurance Help?

Can I get separate 6 month car insurance for 2 vehicles?

I live in Vermont want to drive ONLY my Kia Spectra May-October, and ONLY my Ford F150 from November-April. I want to save money by having an insurance policy that covers each car for these 6 month intervals vs. insuring both year-round. Do car insurance companies typically offer this kind of coverage? I would ask around, but the insurance companies are so aggressive I can NEVER call for a simple quote or answer without extreme sales pressure.""

How bad is insurance for a 17 year old with a stock 1979 datsun 280zx?

im buying my son a car soon and he found one stock average insurance cost? per month or annual

""Need cheap auto insurance, Arizona?""

only drive 2 miles a couple times a week, never had a accident or ticket; 63yrs old,Mesa,AZ""

Car insurance renewal - is it compulsory ?

I had accident earlier this year(few months ago) wasn't my fault and other side admitted it but they still haven't paid for damages so the case is still open. I have been told by my car insurance company that they don't know where is the problem but as final bill hasn't been paid as a result my car renewal will go up as my previous 4 years no claim will vanish for now. Apparently once the other side pays what they should then they reduce my monthly payments accordingly as they take no claims years(this is 5 th year into account.) My question is : 1. is this correct what I said so far(or been told) 2. Do I have to renew my car insurance which expired last week even if I don't drive my car which is safely parked on my driveway(off road) ? Can I pay later lets say next month ? this is due my finance difficulties and I hope that other side pays by then and so I pay much less insurance. Professional advice would be great ! Thanks for reading :-)

What are some cheap car insurance companies for young adults in Georgia?

I'm a 20 year old male currently shopping around for car insurance, but I can't seem to make a decision. I need the most inexpensive, but quality insurance possible. Do you guys know any companies that may be a little more generous to young adult drivers?""

Whats cheap car to insure and run?

ive been trying to find cheap cars to insure, and it comes up with 2010 models that the car costs 12,000 i want something old cheap reliable for fuel car cost and insurance, i dont really care what year but im guessing the older cars like 1980s will be cheaper""

How can I get some cheap/reasonable health insurance?

Help plz car insurance in MD?

well i am 20 years old. i have been driving a car under my mother's insurance name for a while, the insurance told her that if i got an acident while driving that car the insurance will never cover any damage and they consider that as a crime so Is that a crime to drive a car which ur name is not in the insurance list? also ifu know which insurance company is the best for me to get my own insurance""

Cheapest way to get car insurance?

we know of a family that is going through tough times. Mom works 3 jobs, daughter (18 y.o. works 2 jobs and goes to school full time) while the dad has two DUIs on him. Of course the daughter can't get insurance(because its too expensive). Around $2k a year. Know of any other viable options?? Its in California. Thanks!""

Can you remove yourself from your parents' health insurance voluntarily?

I just would like to know. Is it possible? Thanks.

Car mod insurances?

does a body kit cost alot on your insurances.if you no what percentage it increces. thanks

What happens to money at the end of life insurance term?

As a young child and teen, I remember my mom saying on a few occasions that she bought term life insurance when I was a baby. It was a 30 year plan for 100,000. She said that the term would end when I turn 30 years old and if she doesn't die by the time it ends....then SHE would be able to collect on the plan (getting the 100k) Now, I am 30 years old..and want to by term life insurance so my child will be taken care of incase I die. I'm thinking off getting a 20 year term. MY QUESTION - is it so that in 20 years...if I don't die, then I will be able to collect all that money? I'm doing research on it and finding that with regular term life insurance, you don't get any money at the end of the term.....but I remember my mom saying different. What do you know about it? (it isn't possible to ask my mom about it)""

Oklahoma City Oklahoma Cheap car insurance quotes zip 73142

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