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health insurance quotes indiana

"health insurance quotes indiana

health insurance quotes indiana

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

RELATED QUESTIONS:

Do you have to have insurance in you're 16 and only have a permit?

I'm 16 right now and i live in California. I really want to start the process of getting my license but my mother says we can't afford insurance for me. So I was wondering, do you have to have insurance even if you just have a permit?""

How should I insure myself?

ok so i've sold my car and now the only car i will have access to is my partners. so do i arrange my own insurance, or do i add myself to her policy, or should i now add her to mine? I have full no claims she has 4 or 5 years. I am 36, she is 27. I have 2 months left on my current policy and 2 installments of 35 to pay, or if i cancel now pay 55. her renewal date is november. any help?""

Galo Auto & Home Insurance.com?

need to find a cheaper auto & home insurance before july 09 State Farm is droping home ins.? can you please hellp me?

Where can i get cheap insurance?

low rates? ???

Whats the minimum car insurance required in california?

Car Insurance Coverage?

My husband and I each have our own cars. We are covered by the same insurance company (multi care policy). My car is a 1998 in excellent condition, however due to its age I dropped the collision. MY husbands car is a 2011 with full coverage. We were told by a friend (not the insurance compny) that if my husband is driving my car and involved in an auto accident that any repairs would be covered under his insurance policy since he has full coverage. Is this correct?""

How much will my insurance go up after a claim?

i was in a crash it was my fault i went into the back of another car my van was fine but the other guys car was damaged at the back it is too damaged to pay out of my own pocket so understandably he is claiming off my insurance. i have a full licence, since i started driving 8 years ago i have no claim my insurance is fully comp and i pay 330 euro each year. after this claim does anyone no how much roughly will my insurance go up next year . any advice would be greatly appreciated as i am very worried.""

I am looking for a srs surgeon who accepts insurance?

my employer now pays for surgery but i cant fing a surgeon who accepts insurance. any ideas?

What happens after you buy car insurance online?

Just curious as I'm planning on buying a years insurance for the first time in my life (I'm 17) from the post office website. Either that or could I pay at my local post office branch? I'm so close to getting my own car and then insuring it seems so simple that every time I think of it I start to physically shake!!! Thanks!

How much would it cost to get insurance for this type of business?

Let's say I want to start a small small business where I essentially find companies who are looking for window cleaning and then I find sub contractors to do the work and I get paid the difference between the amount I get from the company and the amount I pay to the sub for doing the work. How much would it cost to get insurance on this type of business in California? Also what type of insurance would I need? Also I wouldn't have any employees. Just a one man operation.

""A life insurance company sells a $250,000 1-year term life insurance policy to a 20-year-old female?""

for $200. According to the National Vital Statistics Report. 56(9), the probability that the female survives the year is 0.999544. Compute and interpret the expected value of this policy to the insurance company - I also have to find the probability that the company has to pay the female Im suppose to get .000456 but don't know how to get this?""

Which is better hmo or ppo insurance?

How much does motorcycle insurance cost for a teen?

I am currently 15 , next year i will get my liscence and buy a Kawasaki Ninja 250R 2010. I live in Quebec, and I really need an answer, please not just a go get a quote.. just give me a number please!""

Switching car insurance?

I am thinking of switching to Esurance, it's about $25 a month cheaper than my current insurance. Anyone have any experience or knowledge of Esurance? How hard is it to switch?""

AUTO INSURANCE FOR YOUNG DRIVERS?

I've been driving since about last summer, and i've tried looking for some auto insurance inexpensive something i can afford, no luck so far, i heard there is a government sponsored insurance that can help people out so they wont be driving around without insurance? is this true? or does anyone know cheap auto insurance, im a good driver its just check points really scare me when im out during the weekends. thanks!""

Health Insurance for pregnant women?

I was laid off from my job and I have been unable to find a new job, my cobra insurance is about to run out and I am looking for affordable insurance for pregnant woman. I do not qualify for medicaid because my husband does work but insurance is not offered through his employer. Does anyone know of a company that has a plan that will cover pregnancy and after?""

Wats the cheapest insurance in oklahoma?

Auto insurance question.?

I was in an accident and my auto insurance has a limit of 5000 medical. I went over the $5000 medical bills. Will my private health insurance cover the overage?

Can a family friend put me on their car insurance?

So i live in the state of california. I have had my learners permit for more than six months now. I want to get my drivers license but due to the economic crisis my parents aren't able to pay every month to have me on their car insurance. A family friend has offered to put me on their car insurance, but what my parents want to know is if that is legal in the state of california or do I HAVE to be insured by my parents?""

Where can i find good health insurance in san francisco?

Insurance on a Audi R8?

Well my plan is to get a Audi R8 with 5 years of driving this year, but how much would insurance be if i buy the car used with say 20,000 miles on it and the year is 2009, and if possible what would the insurance on a 2011Audi R8 new ? Seriously i just want to know i dont need to hear your if you ask u cant afford it and what not, so be mature, and just answer it if not f**k off.""

Where can I get the cheapest motorcycle insurance?

I just bought a bike and haven't ridden in years so don't know where to start and I live in Pennsylvania if that's any help. Thanks

How much would a 16 year old boy pay for car insurance?

I am not 16 yet, but I want to get a Chevy Camaro. I live in PA, and am wondering how much car insurance would cost me a year with out wrecks, tickets, etc. I went to chevy.com and built my own Camaro, and it cost me about $25,000 with the specs, and colors I want.""

Do i need an auto insurance to drive a motorcycle? how much that would be if it is yes? higher than auto insu?

I think i need to know before i buy a bike that whether i would pay more $ on my insurance if there is 1 or would it be cheaper than an auto insurance, like car insurances?Ooh, i am an new driver so how much would it be?""

Question About Car Insurance/Learner's Permit?

Okay, I am a 23 (soon to be 24) year old male, I have never had a license or a car, and just recently I received my permit through the DMV, I have not driven too many times on this permit, but I am about to purchase a used car from a friend of mine and get the title and everything I need transferred over to my name. I have yet to achieve my license and am still driving on my permit to get accustomed and comfortable behind the wheel before I take the driver's test with a worker at the DMV. My question is this tho, I live at home atm, and my family all has cars/car insurance. And I am not on any of their plans yet nor do I have my own coverage. I am new to this whole scene and such, and I wanted to know with me purchasing a used car from a friend with title and all and this car being in my name, seeing as I am not a licensed vehicle owner yet, and only have my permit, I cannot as far as I know apply for insurance until I achieve my license, so I wanted to ask will my family simply be able to add me/my car to their plan until I get my license? Or how will this work? As I stated I am totally new, but when its done I will have a paid for in full car (my first) all the titles and information transferred to me in my name, and the only thing I am missing is insurance and I am wondering how this will work seeing as I am over 21, have a permit and have my own car? My family drive on State Farm in IL. Any help on clearing up this matter will be greatly appreciated, thank you in advance =).""

health insurance quotes indiana

How do I get secondary health insurance?

I'm a full time graduate student currently receiving health insurance through my parents. However, my coverage sucks and I would like to purchase secondary insurance. I looked through all the different plans on einsurance.com (united, humana atena, etc), but when I called they told me that I can't purchase it when I already have insurance. I did some searches for secondary health insurance, but I can't find companies specifically for secondary insurance. It seems that I should be able to purchase any type of insurance I want and that the secondary company should pick up some of what my primary doesn't. Right?""

""Does your auto insurance rate when you turn 18 years old, any cheaper?""

Hey everybody, I'll be turning 18 in a couple of months. I live in Georgia, and drive a 2002 Lexus RX 300, which is a mid-size SUV. I am not looking for a specific quote. I got my license late because I had to do drivers ed, and other reasons(non legal)...well the thing is, I have only had my license for a few months and haven't bought insurance. I don't know if I should wait until I am 18 to buy it. Is insurance a lot cheaper once your 18 as opposed to 17 or so? Please only answer if you know what your talking about. THANKS a lot for the help.. Sincerely, Zain Dhanani""

My daughter is 17 next week....where can I get cheap car insurance from? I want to add her on to my policy?

She will be an additional driver. My existing insurer has refused because of her age and inexperience.

""In California, how can you find out if someone has homeownners insurance, and who there carrier is?""

In California, how can you find out if someone has homeownners insurance, and who there carrier is?""

How much insurance for a Ninja 250r?

I'm 16 and i'm thinking of getting a Ninja 250r for commuting purposes and just riding around to school and what not. I have a friend that is going to upgrade to a new bike soon so he will give me his bike but I was wondering how much the insurance is for the Ninja 250, I have Geico and was going to do all the free quotes thing but I was way to lazy finding out the ID number and stuff so I was wondering for anyone out there with a 250r, how much are you paying every year? Thanks! :D""

""I don't have the car yet, but what am I looking at for insurance?""

I'm in a bad living situation and I'm slowly trying to get out....I make minimum wage and I'm trying to finance a vehicle...I have no money to put down, and the little credit I did have was gone a long time ago due to unpaid medical bills.... I'm also trying to put money towards my rent and other bills, so I can't afford much..... I have no credit cards or expired loans, and don't want any...so please don't recommend any..... I figure with taking $80 out of every pay check I can afford a payment of $320 a month....Also taking 30 out of the same pay check to make payments of up to $120 towards insurance..... Is this too much? This is the first time I'm paying insurance on a vehicle, I'm also living on my own for the first time as well..... My last ticket was almost 7 years ago...I'm a safe driver...what kind of prices am I looking at? I know I can go to specific sites and plug in my information....but I don't have the vehicle yet and I'm trying to budget for the purchase....I'm planning on getting a small reliable car, nothing flashy..... Can anyone guesstimate a price for me? Am i figuring too high?""

Why doesn't Obama want people to be able to get health insurance from other states?

wouldn't this create more competition in the insurance business?

Can an insurance company cancel the insurance after they found out that there is something wrong?

hi! we just bought a house and got insurances but then after a month in our new house, we got a notice from the insurance saying that our insurance will be cancelled by the next month coz they found out in the inspection that there is a rott on the garage roof and told us to fix it first then they will continue our insurance?? i just wanna know if they can do that or if that is allowed to cancel our insurance after they accepted us?? what can we do ?""

""After 7 years out of country, why the high car insurance rate?""

Seven years ago, I got a job working overseas. I sold my car here in the US before I left. Now I have returned to the US to live and I bought a car. I was shocked at the insurance rate - the cheapest I could find for a 2013 Ford Fiesta was $1112 for six months of coverage! I asked the agent why the rate was so sky high. Well, because the assumption is that you have been driving here in the US as an uninsured motorist for the past seven years . I tried to show proof that I was living overseas for those seven years, and that I didn't have any vehicle to insure in the US. But my explanation fell on deaf ears. Is there any way to explain my situation to Safeco (the insurance company)?""

""Speeding ticket, will it raise my insurance in texas?""

hey, I got a speeding ticket a few days ago and would like to take the defensive driving class instead, if the judge will let me. i really dont want to let my dad know about it and i am willing to pay all of it, i just dont want to have to deal with my dad. Will my insurance go up even if i do the defensive driving class? Thanks!""

Question with car insurance?

Okay so we have two cars. One 1992 buick and a 2006 civic coupe. I usually drive the coup and my name was on the insurance for it, but recently my parents swapped insurance to save money but it involved switching my name to the buick and their name onto the civic. They tell me i can't drive the civic anymore b/c if i get into an accident then it won't be covered since it's under their name and not mine. Is this really true? I thought that as long as the car is insured it's covered?""

Is it legal for me to drive my friends car with my own insurance?

So my friend and I bought a car, however he does not have insurance yet, and I have comprehensive, liability and theft insurance for my own vehicle which is a Honda, now while I use his car, would it be legal for me to drive the car using my own insurance card? I have a notarized letter from my friend that I am allowed to use the car.""

16 year old girl car insurance?

When I get my license, my parents will be putting me on my own plan and will be having a 1995 Geo Tracker in my own name. On average, how much would it cost a month to get the insurance I need? I'm hoping to be getting $450 a month. My cumilative GPA is a 3.2 I don't know what other information would be helpful.""

California auto car insurance question?

I own three cars and I want to purchase auto insurance for all three of them. But my question is, if I plan on keeping two cars at my residence, and the third one garaged at another residence (at my father's address). Is that legal to do so or I must have all three cars parked at my residence? Will the third car be exempt from my insurance policy if I decide not to garage it at my address?""

Insurance money or insurance fraud?

My dad told me a story about his boss a long time ago about how his wife survived cancer, and incurred 1million dollars in bills. the company has a health insurance that covers his entire family, but he also was covered by another health insurer...be it his or possibly his wifes. After the whole ordeal he paid off all the bills and had received an extra 1Million from insurance.... Was this legal? ( He was paying for both insurances ..knowingly or possibly not )""

Has anyone used e-suarance for a car insurance quote. I called them a few hours ago & they gave me a good...?

quote but they Hadn't run my driving record yet. And they said they can use ur credit report but, Otha than seeing if u hav paid ur car insurance/bills on tym I Don't see Why they need That info, otha car insurance companies I called Didn't want to check my credit history & Every check on ur credit report can make ur credit score lower & my credit's not that gud rite now tho I pay my utilities, rent, my current credit card & my cell bill on tym & my auto insurance in the past was always paid on tym. (I haven't had car insurance for 3 1/2 yrs cuz I haven't had a car.) Also, they were telling me if I call back the quote mite not stay the same cuz I was tryin 2 get the quote number & No Other insurance companies said that, the otha 1's gave me a quote # so I can deal wit the quote later if I decided 2 go wit them. E-suarance (was tryin 2 get me 2 put a down payment down today & then the insurance would kick in automatically but I told them I want to pay for 6 months at once & I don't hav the money now cuz I hav 2 deposit it in the bank tomorrow, it's a postal money order & will clear Tues. & I Don't Need the insurance 'til Tues. &, then I'll need proof of insurance Tues. to take 2 the DMV wit the papers from the dealer 2 register the car & get the license plates. E-saurance said they could send an e-mail upon payment that I could use 2 show proof of insurance at the DMV or if I Can't print that out I could download their app & show them my proof of insurance thru their app. But that sounded fishy 2 me. Also the guy on the phone from e-suarance wanted a credit card # 2 run my driving record but I was like None of the Otha car insurance companies needed that 2 run my driving record. I Don't want 2 get charged for them 2 run my driving record or 4 any Otha charges. Which is making me suspicious now of the low rate or of paying by credit card ova the fone wit them. Since they're backed by Allstate can I go 2 an Allstate office 2 pay cash & get proof of insurance?""

Car insurances how they rate?

different car insurances how they compare

""Buying new car over weekend, But need insurance?""

Ok so I am most likely buying a used car tomorrow. This will be my first car as I am 16 and need something to drive to my job yada yada yada. Anyway, tomorrows a Saturday and my insurance company is closed and my parents need to add me to their policy. Since we are not trading in a car, we dont have a policy to carry over to the new one which I know some insurance companies do. Also, I have Farmers insurance so I am not sure what their policies are over this sorta thing. Any help is appreciated. Especially if you have farmers insurance or have had this kind of problem with them.""

Can my daughter be put on my insurance?

My daughter is 21 and she has no insurance. She is a full time college student and does not work. Can I put her on my insurance through my work? And what are the requirements?

How to get different types of insurance?

Dental, health, medical, etc. Im graduating HS and my parents are taking me off there's. They say it's time to grow up and support myself. I fully understand. And I have no complaints. So that's why I'm asking. I just got a job, so would that help?? I'm taking a break from school (college) for a couple years.""

Where can i get health insurance?

i've been on the pc for about two hours now looking for health coverage that does not cost me an arm and a leg and a foot. This is gonna sound like a personal ad, but i dont care,lol I am 20 and i just finished getting my aa this past december, (so i am no longer a college student), i live on my own, my parents do not supplement my income in any way(and they no longer want me on their coverage so thats a no). i have no children, i make about 30,000 (two partime jobs, niether give health coverage for part time employees) I am female, i've never smoked anything, (ciggarette, marijuana, etc) i work out 5 times a weeks( about 140lbs, 5'3), and most of all i live in that crap bowl known as new york. I need some type type of vision dental, medical, etc coverage that is affordable, im not looking for free, but something i can afford (around 0-$75 a month if possible), please help""

HOW CAN I CLAIM THE car INSURANCE to REMPLACE MY CAR?

I had a car accident and my car insurance covering third party only and them found me that was my fault I need to know how can I claim if there is any dealing, thank you""

""What is the cheapest car insurance in Toronto, Canada for a female student w/out any prior auto insurance?

I am 22 years old and have never had auto insurance b4. I do have the driver's certificate and currently have a G2. The basic coverage is fine as I will not be getting a new car. I'll be getting a 1998-2001 car not sure of the modell yet.

What insurance company do cheap American car insurance for young drivers?

I'm 19 years old and I'm considering getting a 1985 Ford Mustang 5L V8 in England. The question is who is going to insure me at a reasonable price? I'm not looking at using the car everyday, I probably wont put 4k miles on the clock in a year. Please, can anyone help me?""

What is the difference between Investment life Insurance and Life risk insurance?

What are the products included under the category Investment life Insurance and Life risk insurance?

health insurance quotes indiana

What is the best way to get cheap car insurance for young drivers in the UK?

How come when I look at comparison sites such as confused.com they quote something like 10K for a 17 year old male that has pased. I know that a better way is to add your parents as the main driver and yourself as the additional however, the issue is that non of my parents drive. So what would be the best way to get a reasonable car insurance for a 17 year old then?""

What is an insurance quote?

people say low insurance quote .... what is it. how does it work and how does the whole car insurance thing work what if i buy a $5000 car ... how much would i be spending every month including tax, insurance> EXCLUDE GAS""

""Totaled my car, What will insurance do?""

Yesterday I totaled my 2000 ZX3 and almost died, luckily my roof didn't completely cave in as i slid in the ditch after i flipped over, SO my engine and transmission isn't damaged. I wanna save some movie and just buy a car like mine with a blown engine and then switch engines and get the keep the rest of the insurance payout. I already found the possible car BUT i'm not sure if the insurance company will let me keep my car after its declared totaled? The car i found is for only 500 dollars and my dad is a mechanic, so i really need 2 know quick""

Can my daughter be put on my insurance?

My daughter is 21 and she has no insurance. She is a full time college student and does not work. Can I put her on my insurance through my work? And what are the requirements?

What will the average insurance payment be for my BMW?

Ever since I was little I've always wanted a BMW. Well now since I'm turning 16 in the fall I have the option of getting a 2004 BMW 5 Series 545i for $9,000. It's in extremely good condition and I just love it. I will be making around $200-250 a month and my monthly payment will be about $106 to the bank till my senior year in college ( yes that's 84 months but it's in good condition so it's worth it) and I was just wondering if any one had a idea how much insurance would cost? I really want to get this car but I won't if I'm not able to pay a payment and insurance at the same time due to other small bills i have. Thanks""

Car insurance for girls?

I am 18 and looking at starting my driving lessons and buying a car, BUT insurance is so expensive for a first time driver. Does anyone know what the cheapest car will be for me to insure,?? Thanks.""

Do illegal immigrants get health insurance?

What insurance and how?

I need affordable pet insurance for my dog any suggestions. I cant pay more than 20 monthly right now?

What are the best supplemental insurance companies?

I am looking for quality, honest supplemental insurance companies. I am looking for a company who has good customer service and good products. A company who does the right thing and treats their policyholders well.""

How much will insurance cost after first dui offense?

I got my first dui for parking my mom's car for her(my intentions weren't to drive home drunk at all... just back 10 feet.) and I use to have insurance but canceled it when ...show more

Need cheap car insurance in NY?

Hi I'm in need of low car insurance in NY. I'm 22 female car is a 98 dodge caravan. Please i tried all those random websites that shows you insurance. I need names of insurance please =]

Credit scores taking a hit from homeowners insurance checks?

Hubby and I called around checking what rates would be for homeowners insurance, but I got a little ahead of myself, seeing that our closing date isn't until August! I called about 4 places, they all ran our credit and said it will be a light hit on the credit scores... Well how much of a hit will our credit scores take?? The bank wants our credit scores updated since them, since we want that late August closing date.. Anyone know how much of a hit it will be?""

I have cancelled my car insurance?

I have cancelled my car insurance for my old car , because I have bought a new car . . . Now I am waiting to sell it , but I don't know where I should keep it . . Is there any problems if I'll leave in front of my house in the car park without a insurance ? Thank You""

I have a a term life insurance calculator?

I have a term life insurance calculator, i want to place the link in to other sites which are relevant to term life insurance. Can any one please suggest me list of those sites which are relevant to term life insurance or any article or blogs site which belongs to an individual person and is relevant to life insurance. Please provide me only US site. thanks""

UK- Can you help me find cheaper car insurance?

I currently own classic mini and after 6 months of driving it i want something more reliable. I didn't earn any no claims bonus on the mini as it was on a classic car policy, which I paid 900 a year third party, fire and theft. I want to get a 1.3 toyota yaris but cheapest insurance I have found is 5500! I will be the main driver of it and no i will not front it (go as named when im actually main driver). Which companies are best for young people. I don't want to pay more than around 2000 a year on the insurance. I know there are many factors that affect insurance but I'm looking for companies with good deals/lowest premiums and/or general tips to reducing the premiums. I live in the UK by the way.""

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?""

""My car has been tranferred name, if I still drive the car, do I need to buy new car insurance?""

I am existing car owner, due to financial problem, I transfer my car to my brother's name. However, I still drive the car, would I need to buy new car insurance for myself, or I can still using existing one""

Does medical Insurance transfer to a different state?

I have Kaiser Permante for medical insurance. It is very possible that I will move from California to Florida next January. How will my insurance switch? I heard there is no Kaiser there. Is there an alternative company? How can I find this out if I can't find out here?

Good insurance companies..I want to switch my car insurance..I need advice?

I have my auto insurance with Allstate and they're just ripping me off. They're always bringing up the prices yearly and I want to know where I can get a better offer. My car is a 2004 Elantra and they want to charge me 1 369 $ from March 4th to January 24th and that's just too much. I know there must be a better insurance company out there. Which ones and can I get a quote online ?

Can my apartment management include premiums of renters insurance on my rent ?

The complex I live in requires that each tenant have renters insurance because the management suffered losses from damages as a result of the tenants' negligence. I want to have the freedom to choose the company that I buy it from -- but they want to increase my rent in order to cover for the premiums. The management company in turn buys a policy for each unit. Can they do that ? I live in California.

What's a good health insurance option for a 22 yr. old male?

My boyfriend just lost his coverage under his parents policy and needs insurance that's pretty affordable but still covers things such as: -emergencies (of course!) -vaccinations -yearly doctor visits/sport physicals Any recommendations are welcome! Thanks!

How much should insurance for a 20 year old male driving an 81 corolla cost. no tickets at all?

Insurance for first time male driver (16 years old almost 17)?

I'm two months away from being 17 and I'm looking at getting a 2001 E46 BMW 325i. Does anyone have a guesstimate or actual cost to insure myself? Would there be anyway I could insure myself under my parents name to lessen the price?

Can I register and insure a car with a suspended license?in tampa Florida?

HEALTH INSURANCE FOR INFERITILITY?

I live in Georgia and I am trying to find some private insurance that would cover fertility testing and not treatment such as ivf OR IUI . Me and my fiance have been trying to have a baby for 3 years and i have tried everything, i finally have saved up enough money to be able to pay for private insurance can someone please tell me some health insurance company that may cover fertility testing.""

health insurance quotes indiana

Insurance in college?

My mom tells me that you have to go to college directly after high school in order to stay on your parents' insurance plan or you get taken off and have to work full-time to get insurance. However, my question is if you get a job after high school and get insurance for yourself and then decide to go back to school a year later can you get back on their plan.""

Im pregnant and need insurance. Is there affordable prenatal insurance besides medicaid?

Medicaid denied me because I make 25 cents more than the allowed amount. I am 4 months pregnant and have not had any prenatal care due to lack of insurance and fighting with medicaid. Is there AFFORDABLE coverage that anyone knows about?

Can I wait to pay car insurance?

I recently bought a car, but I'm not legal to drive it alone until February (I bought the car NOW because it was an amazing deal and didn't want to miss an opportunity like this) Can I wait to pay for insurance until I get my license (in February) or is that illegal?""

How much does car insurance cost for a 17 year old?

I'm currently 17 with and just got my license a couple of weeks ago, i was wondering how much does the insurance cost annually for a 17 year old like me? Thanks for your help!""

Same insurance company but different rates?

Is it true same insurance company but different agent offers different rates?

My son is driving his grandmother's car without insurance?

My son's grandmother allows him to take her car whenever he would like. He has no insurance and drives the car all over the place. I have told him to stop driving it but I have no control over her car or the keys. I have warned them both several times that this will get them both in trouble. How can I stop them from doing this and is there a way I can turn him in to learn his lesson? If he gets in an accident or gets caught for this, who will have to pay for this? Me or him and his granmother? I do not want to be responsible for his ignorant behavior""

Would insurance on a corvette be too expensive for someone 19 years old?

I am 17 now, but in a couple years I will have enough money to buy an older corvette. I am looking at either a C5 corvette (97-04) or a C3 corvette (68-82). I am leaning more toward the C5 but since it's a newer car, I would think the insurance would be more expensive, even though the car might only cost 12 grand. The C3 would be cheaper in price, and i heard insurance is really cheap for classic cars too. So, in your opinion what do you think?""

Vehicle with no insurance MINNESOTA?

My girlfriend got pulled over tonight after having a brand new car for two days after selling her first car she drove for two and a half years, her mother apparently told her that she had 7 days to get insurance so sure enough we got cited for no insurance. I guess I was curious to know if liability covers her driving a vehicle without insurance? It probably doesn't but I know there is a form of insurance that does. If this is going to slide downhill I would also like to know some advice you have to word it nicely to a judge to help avoid a 30 day license suspension. I heard earlier tonight that in mn it's mandatory but I'm hoping not. Thanks for your help and time!""

Just wondering if there is any kind of insurance coverage for the victims of the tsunami?

It is a natural disaster. I know that in California there is earthquake insurance but very expensive. Do the Japanese have any kind of insurance protection? I'm sure there will be some kind of aid from the government but what about their losses? Thankful to be alive, I'm sure.""

Quad insurance abd bike insurance ?

Jw if I get a 125 or 250 quad if the insurance will be similar to a bike or car same with tax Cheers

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

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

""Is it possible to get insulin for a type 1 diabetic with no insurance, medicare or medicaid?""

My fiance has type 1 diabetes. He gets food stamps, but doesn't qualify for SSI for some reason. He's only 26. I am the only one working, getting minimum wage, and little hours. We can't afford to pay a doctor $100 just for them to tell him he has what he knows what he has, and to get a prescription that cost twice that. It just seems like a vicious cycle we cant get out of.""

Switching insurance companies to get the car fixed?

The accident was not at my fault. Had a police report. Contacted both insurance companies. Got a rental car and check ($1500) from other party's insurance company (NJ Skylands) as decided to go through them. Brought the car to body shop and found out NJ Skylands wants to cheat and pay less. So I called my insurance company (State Farm) and reopened the claim to go through them. State Farm took deductible and issued a check for $1788. Body shop wants to get $2788 for repair. Can I still use that check for $1500 to cover the rest of expanses?

SOMEONE PLEASE HELP ME OUT WITH THIS (CAR INSURANCE)?

i'm a learner driver with my 1st car that im covering with 3rd party fire & theft since i'm not able to go out alone either my partner or dad will be with me while i drive but just say say for whatever reason they had to take over would they be covered to drive my car even though neither would be a named driver on my policy? They both have fully comp insurance for their own cars does this cover them?

Will I be able to get health insurance to cover this?

I am about to graduate from college and have not been covered by insurance regularly in many years, for a short time I was on a California county-supported low-income type of insurance program but it automatically runs out every few months if you don't reapply evidently... Anyways, I'm about to graduate and move back to Oregon. I have some kind of hip/tendon injury that I need to go to the doctor for and have checked out...but because I don't have insurance, and this is an old injury already, is there any way I'm going to find health insurance to help me pay for this? Or am I just completely screwed and destined to limp around for the rest of my life??? because there's no forseeable way that I'll be able to afford my own health care any time soon, I'll be paying off my student loans for the next few years. I also doubt that I will be able to find a job that offers health coverage in my field so that's not looking very likely either.""

Car Insurance?

how much car insurance do i pay for a 6000 dollar car

Buying insurance right after an accident?

Just a question, and I don't want assumptions that I'm the person in the scenario because I'm not and this has just been a burning question of mine for a long time. Ok, so someone gets into an accident and buys insurance right after. The thing is that the insurance papers will have the DATE it took effect, not the TIME it took effect. So in all respects, it was active on the day the accident happened and the person in question has to go to court to provide proof of insurance, in which the judge will see that it took effect on the day the accident happened, so the question remains, is this person covered?""

Hawaii: Which Car insurance company do you like in Hawaii?

I plan moving to Hawaii. Which car insurance company do you like? Why? Also, which company don't you like? Why?""

On average what does a automotive insurance adjuster/or a body shop estimator make annually?

How much do you pay for car insurance?

These quotes are OUTRAGEOUS!

What is select life insurance?

My insurance agent wants me to update my insurance plan with select life insurance. They explained select life insurance to me, but I want someone who is not trying to sell it to me to explain it to me. So could someone reexplain select life insurance so that I know the pros and cons?""

Which car Insurance do you recommend?

The cheapest, but also good at the same time.""

Affordable car insurance for poor driving record?

About a year ago when I was in college I got cited for driving without insurance twice. Two years ago I have had my license suspended for minor traffic offenses. Recently, I decided to take a safe driver's course because when I originally started driving nobody ever taught me how. I am not required to have sr-22 insurance but I am wondering if that would be better than paying $450 which I am paying for Gieco. I am looking for someone in a SIMILAR situation or has USEFUL answers. If your answer is move to different state , you just have to deal with it , or shop around that doesn't help me.""

Where can i find a free insurance company that won't rap me off?

i need a website that i can get a insurance for medical and dental. where can i go

Car Insurance for Young Driver (UK)?

Hi, I'll get straight to the point, I'm 17 almost 18 and am looking 2 buy my 1st car. I live a upper class life, and when it comes down to cars i do get to travel in in style. e.g. my dad drives a Jaguar S-Type, my mother a brand new 2008 Land Rover Freeland, and i do know people with Bentley's and this one guy i know will take me out for a drive in his Aston Martin Vanquish. I do like to stick out from a crowd and this is a amazing opportunity to do so at college. My 1st car is definitely goin on my dads policy, and by then i will have my full license. I have seen Jaguar XJ's for sale which i can afford, but my greatest question is how much would the insurance be. If someone who is a young driver who drives a Jaguar or something similer could give me a rough guess to how much insurance wud be?, i wud be greatfull or someone who has insured a young driver on there Jaguar?.""

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ajp3mbgk-blog · 5 years

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For car insurance is the higher the insurance group the more the insurance costs?

im over 25

BEST ANSWER: Try this site where you can compare free quotes :COVERAGE-FINDER.NET

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if you start a for more than 4 seat belt ticket with I LiVE IN FLORIDA!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1 SLK 300 ( thats it raise my insurance I got all A s. uninsured for over a to the hospital. Now lot better than Tricare. i am a 17 themselves but for some and then I ll be First DUI and I dodge charger, which you by Medicaid because we insurance for my car C1 s. Any other ideas? to know what this think average coverage should What is the best in New York City? do i sell it on the vehicle I car, on average how buy and insure for pulled over the other a first time driver..they finds out about my me for that monthly? looked online and it got my car car I can buy full these as daily driver?). expensive to buy, and answering. Please let me let me file an they sed with 5working a 1999 Chevy Camaro I didnt know she i havnt bought a .

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rawcbwzx-blog · 5 years

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Affordable health care?

Does the affordable health care act say that as a family member of a state emplyee I can t be on my wife s insurance after she retires ?

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kqnsc5yt-blog · 5 years

Text

Can my husbands ex wife take my life insurance left to my husband for my 2 sons, in the event of my death?

He is in arrears and is paying on the arrears and child support every month. I was just concerned that she could take my small life insurance amount for herself if it is left in my husband s name. does anyone know?? I don t plan on dying anytime soon but I want my children to have something if I do.

BEST ANSWER: Try this site where you can compare free quotes :insurecheap.us

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prynnehesters · 5 years

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uh, so my parents are PISSED at my sister because she spends more money than allotted to her at uni

so like, she has her meal card and it’s really weird because p much every uni i visited was like “you have a meal plan level/size and it’s either you get allotted a certain # of meals (buffet style or cafe style) or you get a cash sum of some sort and that counts towards your quarter’s meals and like...my mom puts $400 on it each month, so that should be enough for food, right (when i was in uni i spent like, $200 on food or so)? like, my parents pay $200 a week for food so that’s like...800 for our family a month. but like...the way she spends her money is AWFUL

so like, when i was in uni, i got a credit card to make purchases w and i had 2k on it per month, but i never spent the entire 2k, probably like, 200 for food and maybe something else. i would spend my own money on other purchases (like clothes or going out to eat w friends)

but like...my sis is abusing the hell out of the credit card because she uses it to buy online stuff, eat out a few times a week (or order takeout), and my parents have complained to her abt it but she doesnt listen

she also admitted to me abt stealing things and how she hasnt since last year but i just cant take it anymore. im ready to strangle her and i want to move out so i can ignore her forever. i cant believe that she is this shitty and going to racism university has made her an even shittier person.

she’s just a huge bitch and i feel like if she died, i wouldn’t care. i already live in fear of her bcuz she’s a bully and she plays it off and keeps doing shit

like, she comes home in a month or so, and she doesn’t have a ride at all. she’s gonna bring a buncha stuff home from uni. and she couldn’t find someone to drive her or to get a ride on the cross state bus so my family has to go 5.5 hrs to pick her up and her things and....i dont want this.

she’s like “i hate my uni it’s so dumb” and yet she embodies so much abt it. idk if her view on trans ppl (and i feel like lgbt ppl in general) has changed.

and then she’ll b here for like, a month before going to camp in the summer (she leaves like...mid-late june) but i just want her out of the house for good.

i dont know what happened for her to become so shitty. like, im not perfect, im awkward and insecure, but she’s on an entirely different level of shitty than anyone i know

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themoneybuff-blog · 6 years

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Questions About Tax Brackets, Compound Interest, Warehouse Clubs, Stamps, and More!

Whats inside? Here are the questions answered in todays reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Losing faith 2. Thoughts on simple investment strategy 3. Tax bracket question 4. Compound interest question 5. Costco versus Sams Club 6. Question about forever stamps 7. Investing for near term 8. VA disability and property taxes 9. KitchenAid 10. Where should I retire? 11. Credit cards for specific purposes 12. Saving old journals On the wall in my office are three framed pictures that my children drew for me when they were younger using finger paints. In the corner of each, my wife typed out a brief description of what the painting was supposed to be, transcribing what the children told her about them. They are among my favorite possessions. I look at them at least a few times a day and they provide a constant reminder to me about what Im doing, what Ive done right, and what I might do better. Theyre older now. My daughter is a fantastic artist at this point, drawing still life far better than I ever dreamed of being able to do. My oldest son is developing into a skilled problem solver and is likely headed for some sort of engineering career. My youngest has a superb wit and the most insatiably curious mind Ive ever come across. Those pictures captured them at a moment in their lives thats already past, yet when I look at the pictures, I dont think of my children as they were, but as they are. Its pretty impressive what three pieces of paper and a few cents worth of finger paint can do. Q1: Losing faith I have worked for the DoE for 18 years and been through a few shutdowns, but this is the first time Ive simply not received my paycheck. Part of the reason I have chosen to work for the government rather than an energy company is due to the stability of the job and now that feels like it is eroding. I dont know when Im getting paid next which is the very type of thing I wanted to avoid in private industry and took a somewhat lower paying job. I am losing faith in the government as reliable. Not sure what to do. Dan After last weeks mailbag focused so heavily on the shutdown, I wanted to dial it back a little this week, so this is the only shutdown-related question. Again, Im not interested in the politics of the situation, just how it affects the daily life of those affected by it. In your shoes, Dan, I would probably start polishing up the resume. I get the impression that your finances are generally pretty stable and you can handle a short period without pay. I would also use this as inspiration to remind yourself that the best kind of financial reliability is when youre relying solely on your own savings, not the reliability of an employer. When things do return to normal, kick up your retirement savings a bit and get yourself into a place of financial independence just a little faster. Q2: Thoughts on simple investment strategy I wanted to get your thoughts on the investment strategy my great uncle told me about. Hes in his mid 60s and has been basically retired for about a decade. He ran a bakery but sold it to the manager about a decade ago and sometimes consults with them but thats about it. He said that what he did was starting in the early 1980s when he was just starting out, he put a minimum of $100 a month into a savings account and then put in any windfalls he got. The minimum grew as his income did. Whenever the stock market dropped 10% from its peak, he would take half of his savings and put it in the stock market and then not watch again for another six months. He said he blew away the market doing this and its why he retired so early. I am skeptical because he sometimes tells tall tales and I think he is mostly retired on bakery money. Your thoughts? Alex So, lets break this down. He puts $100 a month into savings and then puts half of his savings into stocks every time the stock market is 10% or more lower than its peak, but he only does this every six months at most. I tried my best to match this strategy in a spreadsheet to figure out whether this would actually beat the market. As best as I can figure, over the period of January 1, 1982 to January 1, 2019, this strategy would beat the market but not overwhelmingly, and it didnt beat the market for long stretches in there. I assumed a 3% return over that entire period on money in the savings account, and I only checked the stock market on the 1st of every month. I used the S&P 500 as the number for the stock market and assumed he was investing in the Vanguard 500, which basically matches the S&P 500. Now, having said that, its worth noting that sitting on stocks over that period is simply a great investment. On January 1, 1982, the S&P 500 was at 117.30. On January 1, 2019, its at 2,584.62. That money he invested back in the early eighties utterly exploded in value. Heck, even as late as January 1, 2009, it was at 865.58 it has basically tripled since then. If your great uncle sold his bakery ten years ago and put a lot of that money into stocks, and hed been doing this investment strategy as you described all along, he probably is sitting on a pretty penny right now. As for whether you should do it, I dont think its strictly better or worse than just investing that $100 directly every month. It really depends on how the market fluctuates, as all of these strategies do. Your great uncle got rich because he made a 40 year investment in stocks, not because he had a great timing strategy. Anyone with just about any strategy starting in the early 1980s would be doing very good today if they just left the money in the market. In other words, I think youd be in great shape if you used your uncles strategy. I also think youd be in great shape if you just put $100 or $200 a month into a broad based index fund and sat on it for the next 40 years. The thing those two strategies have in common is that theyre both riding the long term stock market growth, and thats where the real money is over the long term. Q3: Tax bracket question You wrote: Lets say youre a single taxpayer who earns $35,000 per year. The first $9,275 of your income is taxed at 10%, and the remaining $25,725 is taxed at 15%. What? While $35,000 falls into the 15% tax bracket, your effective tax rate is actually 13.7%. The higher your income, the more tax brackets you pass through to arrive at your effective tax rate. There is no listed 15% tax bracket for single taxpayers.. That sentence is thoroughly confusing! Please explain where you came up with that! Tammy The article in question was written by Simple Dollar contributor Frank Addessi, not by me. Ill do my best to explain this specific point more clearly. First of all, Frank seems to have been using the 2017 tax brackets rather than the 2018 ones to explain the principle. His numbers perfectly line up with the 2017 tax brackets, which did include a 15% rate. The current 2018 tax brackets for single filers look like this: 10% Up to $9,525 12% $9,526 to $38,700 22% $38,701 to $82,500 24% $82,501 to $157,500 32% $157,501 to $200,000 35% $200,001 to $500,000 37% over $500,000 The easiest way to think of tax brackets is to imagine a big water fountain, one that has a bunch of progressively larger pools. When the little pool at the top overflows, the overflow runs down into the next pool which is a little bigger, and when that one overflows, that overflow runs down into the next pool, and so on. Heres a picture if you want a visual aid. So, in Franks example, hes looking at someone who made $35,000 in taxable income this year. You start dumping that income into the 10% bracket until it fills up at $9,525. At that point, you still have $25,475 to put into the fountain, so we move down to the next bracket. It can hold all remaining income up to $38,700, and so it holds the remainder. So, that first $9,525 is taxed at 10%, which means $952.50 in taxes, and the remaining $25,475 is taxed at 12%, which means $3,057 in taxes. Your total tax bill is $4,009.50, which is 11.5% of your income. This person is in the 12% tax bracket and their effective tax rate is 11.5%. Remember, because some of your income always ends up in those smaller bowls with a lower rate, your overall effective tax rate is always lower than your tax bracket. Hopefully this clears things up! Q4: Compound interest question I recently read a blog post about compound interest, which Ive primarily associated with bank accounts. But the article also seems to associate compound interest with retirement accounts and I was wondering if you could provide some clarity. One example early on says Lets say you have $5,000 in a retirement account, earning 7% interest each year. The first year you earn $350 in interest, which brings your total to $5,350. The following year, interest is calculated based on that $5,350 total Even if you never deposit anything but the original $5,000, youll have $38,061.28 in 30 years. I know the average stock market return is 7%, but is it accurate to call that interest? If not, is there some other type of retirement account that genuinely offers 7% interest on your principle every year (as this article seems to suggest)? Another example: toward the end it says If youre saving for retirement, invest in low-fee index funds. Fees of 1% or more will drag down your profit and cut into your compound interest. Index funds will follow the markets course and provide a solid rate of return. Avoid picking individual stocks, as their volatility can be problematic. Im on board with the ideas of low-fee index funds, but not for fear of high fees cut[ting] into your compound interest. Index funds are liable to lose value some years too, arent they? I wouldnt be giving this as much thought if it came from a smaller blog but this is Mint. It makes me wonder if I fully understand how my retirement accounts are working, or if Im missing an opportunity elsewhere. Is the article conflating two topics that dont really connect to one another? Or is there a way to leverage compound interest to this big of a degree for retirement? Max Mint is using the terms investment returns and interest interchangeably here in order to reduce the number of different terms being thrown at the reader. I do this myself its a way of making similar concepts seem familiar and not overwhelm people with new terms, especially when theyre asking an introductory question. They are distinct ideas, but they both have the same effect if you let them sit for a long time, the growth they provide is powerful. Your retirement account, assuming its invested mostly in stocks, doesnt return interest. Rather, what happens is that you usually own shares in a mutual fund. Each time you put money into your retirement account, its used to buy more shares. Over time, those shares grow in value maybe not each and every year, but most years. They also regularly produce dividends, which are small cash payments for each of those shares, issued to you. Almost always, dividends are just used to buy more shares of that same investment. So, shares grow in value over time and youre also rolling dividends in to buy even more shares. The end effect of that is much like compound interest in a savings account it builds and builds. Although theyre not the same thing, the exponential growth curve of interest in a savings account and investments in a retirement account are similar. The growth curve of the savings account isnt as steep, but its very steady and always upwards. The growth curve of the stock market investment is really bumpy, but overall trends upward much more strongly than the growth curve of the savings account. Q5: Costco versus Sams Club I dont know anything about sams club because we joined it when it first came to town years ago and hated it. When Costco came to town, we heard such positive things we decided to give it a chance and have liked it much better. Reasons are several, including those you wrote about esp. the gas prices as we pass the store every day. Further, they treat their employees really well. most importantly, they guarantee that if the credit card rewards (on their visa card) do not equal the membership fee, they will refund the membership fee. We have only one visa card and its theirs as we get a great deal of rewards based on gas alone. Jaden My experience has been that different chain stores have different degrees of quality in different areas of the country. Where I live, the two closest warehouse clubs to my door are both Sams Club and theyre both clean and well stocked and well staffed, and both feature gas prices that are consistently about $0.07 per gallon cheaper than any of the stations near them. There is a Costco in Des Moines (the closest Costco to me) and I found the experience there to be very similar when Ive visited with friends with Costco memberships. However, having said that, I didnt see anything that made it worth the substantial additional drive for me. My experience is that theyre both fine, at least at the locations Ive visited, and you should check out both in your area if theyre both available (along with BJs, another warehouse club chain popular in some regions of the United States). Q6: Question about forever stamps As you likely know, the largest increase in the cost of a stamp will occur on Sunday, January 27, 2019, as the price of a first class Forever Stamp goes from $0.50 to $0.55 (a 10% increase). While the best way to save money on stamps is to call/TXT/email rather than mail a letter, sometimes mailing a letter presents a very good value (sending someone a note of appreciation, etc.). Due to how significant this increase is, I would recommended that anyone with no high interest debt who already has an emergency fund try to purchase 2-4 years worth of stamps, while anyone else try to acquire at least a 1-year supply of stamps (as long as they can do so without paying interest on the purchase). Im curious how much of a supply of stamps you would recommend people acquire prior to this price increase? Stephen Personally, we estimated how many stamps well likely use over the course of 2019 (mostly personal letters and holiday cards) and bought them all already. This added up to 200 stamps, so the cost was $100, as compared to the $110 we would have spent had we bought those stamps at the end of January or later. With a longer timeframe than that, the cost benefit of buying those stamps really starts to shrink. Your annual return starts to sag and you have the stamps for longer, which means theres a greater risk of some sort of damage to the stamps (the longer you have them, the more likely they are to be lost, burnt, misused, and so on). This is basically what weve done each time theres been a bump in the cost of forever stamps. Weve bought an entire years worth just before the bump in price. Its not a big savings, but it saves us $5-$10 over the course of a year. Q7: Investing for near term You recommend fully investing in the Roth/529 even though they are less than 10 years out from likely needing the capital? I was thinking of them putting 10 or 20% aside for long term, although they are a bit depressed by the .1% interest our local bank returns to them. Any back of the envelope math as to what $2,000, invested at age 16, is worth at age 70? Annie Yes, I recommend putting money into tax-advantaged education and retirement accounts, even if youre less than ten years from your expected use. The difference is that when youre looking at that short of a timeframe, you choose investments that are intended for short and medium term investments, like safe bonds or money markets. They have a smaller average annual return than stocks, but they certainly beat savings accounts and have very little risk of losing money and youre still able to pull out the gains tax free. As for your other question, if you put in $2,000 into, say, a Roth IRA at age 16, put it aggressively into stocks, and let it ride until age 70, you should see an average annual return of 7% on that money. So, 54 years of a 7% average annual return on $2,000 gives you are you ready for this $77,224.30. Now, its worth noting that $77K wont go as far in 54 years as it goes now, but itll still be a very healthy chunk of money. If you withdraw 3% of it annually (which is a safe bet), thats $2,317 a year. Yep, if he puts that $2,000 away now and starts withdrawing it every year at age 70, hell be able to pull out more than $2,000 a year basically forever and still hand down a big chunk of it to his kids/grandkids. Q8: VA disability and property taxes Can a veteran who is on total VA disability with no other income receive a tax refund on his home owners taxes? Jim Property taxes are a deduction from ones income tax bill. Since, as a person on total disability from the VA, youre already paying no income taxes, you have nothing from which to deduct. I dont know the specifics of your financial state, but if you were to earn a small income, its likely that the deduction from the property taxes would take care of the income taxes on that small income. However, if your income is solely from the VA due to total disability, property tax payments wont help your income tax bill since you dont have an income tax bill. Q9: KitchenAid it is my understanding that [KitchenAid] was bought out by a foreign company some time ago surely since 50 years ago and that the new company has been making them with some parts being plastic that were metal originally. I have seen reviewers saying that the old ones really do last forever if one takes good care of them, whereas some of the newer models plastic parts tend to wear out. I dont remember seeing any mention of whether those plastic parts can be replaced. I think I found this information on consumer information web sites. Annie Whirlpool purchased KitchenAid in 1986. At some point in the late 1990s, it seems that KitchenAid replaced the gearbox in some of their stand mixers with one made of nylon rather than the original one made of metal. The issue isnt that the nylon ones wear out under normal use, but that people tend to stress them. For example, the instructions for the manual state to only use the dough hook attachment on speed setting 1 or 2, but people often turn it to 3 or higher. This causes the gearbox to get overworked and cause breakdown issues. Today, KitchenAid makes two lines of stand mixers the Artisan and the Pro line. The Artisan has a nylon gear box where the Pro line seems to have the old-style metal gear box but the Pro line is substantially more expensive. One note: the reason many people believe that old things are more reliable is due to selective bias. People remember the things that worked well in the past and forget the things that do not, and then they compare those things that worked well to everything now, where some things work well and some things do not. Thats always been true. Q10: Where should I retire? My husband I are targeting early retirement within 10 years but well be figuring out a location in 3-5 years. We want to spend the next few years visiting a variety of possible locations, narrow it down to a shorter list and then try out a few, staying 6 months to a year. Where would you start? What criteria would you consider? What resources are available, particularly those geared towards retirees (we dont really care about the quality of local schools these days). Thanks for any suggestions. Margaret If I were you, Id start by figuring out what you want to do in retirement. What do you want your typical day to look like? Does it involve regular time with family? With friends? Does it involve a lot of time outside in warm weather? Do you guys like cold weather? How do you want to spend your time? Questions like that should narrow down your target locations pretty quickly. Once youve addressed those kinds of quality of life issues, I would focus on cost of living and aim for areas that have a low cost of living while still meeting your other quality of life goals. I like using this cost of living calculator. Since youre retiring early, I wouldnt prioritize access to services too much at this point. Instead, focus on what will give you the aspects of life you want with a low cost of living. Q11: Credit cards for specific purposes I have not used credit cards until a few years ago and wondering if the following expenses qualify as recurring payment for which the card gives a cash-back: 1. Monthly rent paid to the apartment landlord (not sure if the landlord would accept credit card though but rent is the single largest toll on my modest purse); 2. Life insurance premiums. These do accept credit card payments and I am about to apply for two. Sasha I think that using credit cards for very tight specific purposes like this is a good choice, as it raises your credit score and likely provides some sort of reward bonus or cash back bonus for the card. The key, of course, is paying off the balance in full each month. Youll have to check with the credit card in terms of whether or not such payments qualify for the cash back reward. It depends on the specific offer and probably on how you go about the payment. If I were you, the next step Id take is talking to my landlord about credit card payments. My guess is that a small business might not accept credit cards, but a large one will. You may want to consider other strict uses for it as well, such as gas purchases or other regular bills. Q12: Saving old journals I loved to learn that you also use the three morning pages idea! I have been doing this for years and years, since 2000 at least. Question: what do you do with the old journals? I have a box of them in the garage. I realize I dont really look at them but it feels wrong to just burn them or throw them away but I also dont really want my kids to read them because theyre really personal and I sometimes work through hard feelings about motherhood. Jenny Personally, I digitize all of my old journal entries and then destroy the originals. (The exception is journals that Im hand-writing for each of my kids to give to them when theyre adults that contains a summary of the life advice I have for them along with things like family histories and recollections.) My process is that when I finish a journal, I put it aside for a while until I realize Im no longer looking back on it (usually six months or so), then I cut all of the pages out of the binding and scan them all (I use Scanner Pro). Then, I burn the original pages. That way, I can easily browse through them when I want, search through them using text searching, and theyll basically go away when I die (I suppose one of my kids might find them if they trawl through lots of my digital detritus, but most likely theyll just toss out old computer equipment without a second thought). Most of the stuff Ive written is simply me working through personal problems, and I really have no interest in rereading that stuff. The valuable stuff, for me, is when Im working through an intellectual idea, because I often want to revisit the earlier thoughts. Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. Ill attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours. https://www.thesimpledollar.com/questions-about-tax-brackets-compound-interest-warehouse-clubs-stamps-and-more/

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captainalwayslazycollectort-blog · 6 years

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