#and like. i know you shouldnt go into it expecting to write the Great American Novel or whatever

[corvidcall]

i love nanowrimo but people approach it soooooo differently than me lol. "you SHOULDNT plan for nanowrimo!!!!! youre not gonna write anything good and you should lower your expectations into the dirt so youre not disappointed!!!!!!!" damn rip to you but im different

[youngsamberg]

Was listening to a podcast of andy and he talked about how much it is to expect a half hour comedy to address and lead the way on such critical issues in our country when it should be the real world and people in office that lead the way. All they can do as a comedy about cops is shed a little light onto matters and have their characters reflect. No matter what they do it will never be enough and we have to accept thag. They may do something admirable or semi admirable but it wont matter until systems in our country change. The furthest they’ll be able to go is this is awful and needs to change, which we already know. I have struggled with the idea of the show being copganda because i can cite several instances of it being so, as well as several more of them being the opposite and doing an amazing job of addressing social issues. I already know this show is going to be able to do more than other cop shows because of their history of calling cops out but you just cant expect a show about cops to solve these issues! I think most people get this but I just want to put out there to viewers to check on your expectations of what you want this show to do and what it means to “do it right” and that no matter what, real life is still happening and matters far more than whatever b99 is able or not able to accomplish

Im sorry im writing you a letter lol but I kinda feel sorry for the cast and crew this season...This is likely to be the final season and everything has changed and that isnt on them but they have to deal with it. I hope they’re able to really enjoy filming and celebrate all they’ve accomplished because this show has been groundbreaking in so many authentic ways and they do not recieve enough recognition for it in my opinion. I’ll never forget that this show is the first time I ever saw two latina women portrayed as complex lovable characters that didnt fit stereotypes and weren’t related in one show! Representations always been kinda one off like oh we have one black dude or asian girl, you should feel seen but one person shouldnt have to carry that representation. The fact that I was in high school before i got to see this happen makes me want to cry in a way I cant explain and will never make sense to those who have always seen people like them lead normal lives on american tv. Sorry im an emotional wreck thinking about these characters leaving me. I’ve never cried from the thought of losing a show before and believed I was over it after the cancellation and being grateful to get anything else at all but damn it is hitting me all over again. Just sending a lot of love to the people who have made this show possible and for people loving it and supporting its longevity 💕💕

wow you’ve made so many great points i hope everyone reads this and takes it all to heart. no matter what they’re going to do their best and for some people that just won’t be enough and that’s okay. but for those of us who have dedicated years of our lives to loving and supporting this show that’s so much more than “a cop show”, we should celebrate every minute we have left with it and appreciate that they’re addressing these issues at all because god knows tons of other cop shows won’t be able to do it as well or even at all.

[mcjoelcain]

Ikigai Is Why You Shouldn’t Be Afraid Of Retirement

生き甲斐, pronounced ikigai, is a Japanese concept that means “reason for being.” What makes you get up in the morning without an alarm clock because you’re just so damn excited?

From 1999 – 2001, I had to get to the office by 5:30am because I was a lowly grunt in the investment banking world. Making photocopies of last night’s research, getting coffee for the traders, and making presentations was all part of the morning equities routine. But I was excited because I had a fast-paced job right out of college in NYC.

From 2001 – 2007, despite having to continue getting to work at a goodness forsaken hour, I was still excited because I got a new job in San Francisco with the opportunity to build my own little business out west. Working in a satellite office gave me my first glimpse of what entrepreneurship could be like.

But when the financial crisis hit in 2008, my excitement turned into fear. I no longer went to the office because I loved all that went on in the stock markets. I started setting multiple alarm clocks to ensure I got in on time because I didn’t want to give management a reason for firing me. It was depressing to come in and see everything crumbling so quickly.

Despite a recovery by 2012, my excitement for work no longer existed. Work had become a bureaucratic nightmare, so I figured a way out. In retrospect, what I thought was my ikigai for 13 years was simply a job where I traded time for money. Helping institutions make more money felt shallow, even if some of the institutions were responsible for a teacher’s pension.

But through work, I learned how to be a better communicator. Through the practice of writing daily newsletters about what went on in Asia while we slept, I slowly found my ikigai through storytelling. Clients and colleagues alike would regularly reach out to say how much they enjoyed the newsletter.

Now that I don’t have a compliance department breathing down my neck with Financial Samurai, it’s a joy to help make people believe a little more in themselves by showing what’s possible.

A Closer Look At Ikigai

According to Akihiro Hasegawa, a clinical psychologist and associate professor at Toyo Eiwa University, the origin of the word ikigai goes back to the Heian period (794 to 1185). “Gai comes from the word kai (“shell” in Japanese) which were deemed highly valuable, and from there ikigai derived as a word that means value in living.”

“Japanese people believe that the sum of small joys in everyday life results in a more fulfilling life as a whole,” writes Hasegawa. I believe it. Small things for me like winning a high school conference tennis title and watching my boy take his first steps collectively bring an immense amount of joy.

Mieko Kamiya, author of the book, Ikigai-nitsuite, explains that as a word, ikigai is similar to “happiness” but with some subtle differences. He writes, “Ikigai is what allows you to look forward to the future even if you’re miserable right now.”

One sunny October day in 2011, I found hope that there could be life after finance. For a couple years prior, I was in a funk, no longer enjoying the day-to-day of the business.

After three hours of hiking up and around Santorini, Greece, I stopped to rest at an open bar overlooking the crater. I had my iPhone and the bar had WiFi. Perfect!

My moment of hope: October 2011, Santorini, Greece

I ordered an overpriced $10 Mythos beer and began to check my messages. In my inbox was an advertising client based in London whom I had worked with before. He said he’d pay me $1,100 if I’d put a link on the homepage of this site.

I told him sure! So he sent me the code, I managed to copy and paste the code onto my homepage with my iPhone, and he Paypaled me the $1,100 within 10 minutes after I was done. The whole process took 30 minutes.

That was the moment when I finally realized I could finally escape my job. I immediately ordered another overpriced $10 Mythos beer and devised my layoff plans.

Ikigai Is Why You’ll Be Fine After Retiring

Despite having enough money to survive, after you retire you’ll always be worried for an unknown period of time. My worry lasted for about two years before I could confidently say that I 100% no longer feared running out of money or had made the wrong decision.

After you retire from a conventional job, you’re not going to just sit on your hands and do nothing. You will naturally start doing what provides you the most amount of purpose. And because you will be so focused on making sure retiring when you did was the right choice, you will inevitably find your ikigai!

Please take a look at this graphic explaining ikigai. It might look like a lot of New Age mumbo jumbo, but ikigai has been around for centuries.

    Now it’s time to list all the things that will help you find your ikigai. Here’s my list.

What I Love:

Connecting with people

Learning different perspectives

Traveling abroad

Creating something from nothing

Getting recognized for my efforts

Reading great stories

Taking care of my family

Writing

What I’m Good At:

Telling stories

Doing what I say

Not giving up

Building partnerships

Simplifying the complex

Getting the most out of my body and mind

Writing

What The World Needs:

Access to free financial education

More interesting stories

Geographic, racial, and socioeconomic diversity in personal finance

As many different perspectives as possible

A stronger support network for those most in need

What I Can Be Paid For:

My writing

My speaking

The Financial Samurai brand

After going through this exercise, I understand why I’ve been able to keep Financial Samurai going since 2009. Writing doesn’t feel like work. Instead, writing is a joy that lets me experience a couple of the things that I love: creating something from nothing and learning new perspectives. If I haven’t written for a couple days, I start feeling antsy, as though I hadn’t exercised for a couple days.

Now that I’m in my 10th year of running Financial Samurai, everything from coming up with the editorial calendar to finding products that fit my work has become second nature. So far, I’ve never experienced writer’s block because I’ve found there is always something interesting happening in the world.

As a big proponent of public libraries where I spent so many hours as a kid, I’m on a mission to improve free financial education. It’s not right that only the wealthy or super talented get to go to the best grade schools or universities. The system is so stacked against the poor it’s preposterous once you discovery all the details. Knowing that what I write can help someone with fewer means or talent get ahead really motivates me to never quit.

Finally, I love that no reader pays me a cent to read anything. Asking for money or for business always feels a little bit off. Because I’ve built a brand in the personal finance space, financial companies come to me. I get to then pick and choose which product makes the most sense for the community. Then I go deep because it’s likely I’m using the product or have invested my own money in the product as well.

Having a viable passive income stream has helped me turn Financial Samurai into a predominantly storytelling website. I really just want to write stories I would want to read. If I had retired without enough passive income, it’s highly likely this website would be mostly about product reviews – good for business, but boring to read.

Always Find Your Ikigai

No matter whether you are still working or in retirement, always keep searching for your ikigai. It will not be easy getting all the parts to fit and your desires may also change over time as well. But it’s absolutely worth going through this exercise to improve your life.

After you’re done listing all your points, proceed to list out all the relevant jobs or businesses that fit as many of your points as possible. Brainstorm. You may not get them all, but I’m sure you can get most of them if you are flexible with your income requirements.

With a family to now take care of, running Financial Samurai has become even more meaningful. I’ve got so much to learn from readers who are more experienced parents. There are so many family-related financial topics to write about in the coming years. Finally, I’m absolutely excited to use Financial Samurai to teach my son how to communicate better and run an online business.

Please move on from your job if it no longer excites you. The labor market is as tight as it has ever been. There is a better fit out there if you spend time looking. Do not settle! For those of you who’ve hit your retirement number, or who have achieved a net worth equal to 20X your average gross income or more, I encourage you to consider taking a leap of faith.

I promise you. You won’t turn into a zombie in retirement, mindlessly wandering through a field of despair. Rather, with renewed vigor, you will rationally move towards doing the things you love. If you still don’t believe me, know that the Okinawans have the highest life expectancy of any country: 90 for women and for men, 84, a significant 8-9 years longer than American life expectancy.

Having something to live for truly matters.

Related:

The Fear Of Running Out Of Money In Retirement Is Overblown

Overcoming The One More Year Syndrome To Do Something New

How To Retire Early And Never Have To Work Again

Readers, please share with me your reason for being! Have you found your ikigai? Or are you still on the search? Why do we settle, when there is so much opportunity?

https://www.financialsamurai.com/wp-content/uploads/2018/09/Ikigai-Is-why-you-shouldnt-fear-retirement.m4a

The post Ikigai Is Why You Shouldn’t Be Afraid Of Retirement appeared first on Financial Samurai.

from Money https://www.financialsamurai.com/ikigai-is-why-you-shouldnt-be-afraid-of-retirement/ via http://www.rssmix.com/

[ronaldmrashid]

Ikigai Is Why You Shouldn’t Be Afraid Of Retirement

生き甲斐, pronounced ikigai, is a Japanese concept that means “reason for being.” What makes you get up in the morning without an alarm clock because you’re just so damn excited?

From 1999 – 2001, I had to get to the office by 5:30am because I was a lowly grunt in the investment banking world. Making photocopies of last night’s research, getting coffee for the traders, and making presentations was all part of the morning equities routine. But I was excited because I had a fast-paced job right out of college in NYC.

From 2001 – 2007, despite having to continue getting to work at a goodness forsaken hour, I was still excited because I got a new job in San Francisco with the opportunity to build my own little business out west. Working in a satellite office gave me my first glimpse of what entrepreneurship could be like.

But when the financial crisis hit in 2008, my excitement turned into fear. I no longer went to the office because I loved all that went on in the stock markets. I started setting multiple alarm clocks to ensure I got in on time because I didn’t want to give management a reason for firing me. It was depressing to come in and see everything crumbling so quickly.

Despite a recovery by 2012, my excitement for work no longer existed. Work had become a bureaucratic nightmare, so I figured a way out. In retrospect, what I thought was my ikigai for 13 years was simply a job where I traded time for money. Helping institutions make more money felt shallow, even if some of the institutions were responsible for a teacher’s pension.

But through work, I learned how to be a better communicator. Through the practice of writing daily newsletters about what went on in Asia while we slept, I slowly found my ikigai through storytelling. Clients and colleagues alike would regularly reach out to say how much they enjoyed the newsletter.

Now that I don’t have a compliance department breathing down my neck with Financial Samurai, it’s a joy to help make people believe a little more in themselves by showing what’s possible.

A Closer Look At Ikigai

According to Akihiro Hasegawa, a clinical psychologist and associate professor at Toyo Eiwa University, the origin of the word ikigai goes back to the Heian period (794 to 1185). “Gai comes from the word kai (“shell” in Japanese) which were deemed highly valuable, and from there ikigai derived as a word that means value in living.”

“Japanese people believe that the sum of small joys in everyday life results in a more fulfilling life as a whole,” writes Hasegawa. I believe it. Small things for me like winning a high school conference tennis title and watching my boy take his first steps collectively bring an immense amount of joy.

Mieko Kamiya, author of the book, Ikigai-nitsuite, explains that as a word, ikigai is similar to “happiness” but with some subtle differences. He writes, “Ikigai is what allows you to look forward to the future even if you’re miserable right now.”

One sunny October day in 2011, I found hope that there could be life after finance. For a couple years prior, I was in a funk, no longer enjoying the day-to-day of the business.

After three hours of hiking up and around Santorini, Greece, I stopped to rest at an open bar overlooking the crater. I had my iPhone and the bar had WiFi. Perfect!

My moment of hope: October 2011, Santorini, Greece

I ordered an overpriced $10 Mythos beer and began to check my messages. In my inbox was an advertising client based in London whom I had worked with before. He said he’d pay me $1,100 if I’d put a link on the homepage of this site.

I told him sure! So he sent me the code, I managed to copy and paste the code onto my homepage with my iPhone, and he Paypaled me the $1,100 within 10 minutes after I was done. The whole process took 30 minutes.

That was the moment when I finally realized I could finally escape my job. I immediately ordered another overpriced $10 Mythos beer and devised my layoff plans.

Ikigai Is Why You’ll Be Fine After Retiring

Despite having enough money to survive, after you retire you’ll always be worried for an unknown period of time. My worry lasted for about two years before I could confidently say that I 100% no longer feared running out of money or had made the wrong decision.

After you retire from a conventional job, you’re not going to just sit on your hands and do nothing. You will naturally start doing what provides you the most amount of purpose. And because you will be so focused on making sure retiring when you did was the right choice, you will inevitably find your ikigai!

Please take a look at this graphic explaining ikigai. It might look like a lot of New Age mumbo jumbo, but ikigai has been around for centuries.

    Now it’s time to list all the things that will help you find your ikigai. Here’s my list.

What I Love:

Connecting with people

Learning different perspectives

Traveling abroad

Creating something from nothing

Getting recognized for my efforts

Reading great stories

Taking care of my family

Writing

What I’m Good At:

Telling stories

Doing what I say

Not giving up

Building partnerships

Simplifying the complex

Getting the most out of my body and mind

Writing

What The World Needs:

Access to free financial education

More interesting stories

Geographic, racial, and socioeconomic diversity in personal finance

As many different perspectives as possible

A stronger support network for those most in need

What I Can Be Paid For:

My writing

My speaking

The Financial Samurai brand

After going through this exercise, I understand why I’ve been able to keep Financial Samurai going since 2009. Writing doesn’t feel like work. Instead, writing is a joy that lets me experience a couple of the things that I love: creating something from nothing and learning new perspectives. If I haven’t written for a couple days, I start feeling antsy, as though I hadn’t exercised for a couple days.

Now that I’m in my 10th year of running Financial Samurai, everything from coming up with the editorial calendar to finding products that fit my work has become second nature. So far, I’ve never experienced writer’s block because I’ve found there is always something interesting happening in the world.

As a big proponent of public libraries where I spent so many hours as a kid, I’m on a mission to improve free financial education. It’s not right that only the wealthy or super talented get to go to the best grade schools or universities. The system is so stacked against the poor it’s preposterous once you discovery all the details. Knowing that what I write can help someone with fewer means or talent get ahead really motivates me to never quit.

Finally, I love that no reader pays me a cent to read anything. Asking for money or for business always feels a little bit off. Because I’ve built a brand in the personal finance space, financial companies come to me. I get to then pick and choose which product makes the most sense for the community. Then I go deep because it’s likely I’m using the product or have invested my own money in the product as well.

Having a viable passive income stream has helped me turn Financial Samurai into a predominantly storytelling website. I really just want to write stories I would want to read. If I had retired without enough passive income, it’s highly likely this website would be mostly about product reviews – good for business, but boring to read.

Always Find Your Ikigai

No matter whether you are still working or in retirement, always keep searching for your ikigai. It will not be easy getting all the parts to fit and your desires may also change over time as well. But it’s absolutely worth going through this exercise to improve your life.

After you’re done listing all your points, proceed to list out all the relevant jobs or businesses that fit as many of your points as possible. Brainstorm. You may not get them all, but I’m sure you can get most of them if you are flexible with your income requirements.

With a family to now take care of, running Financial Samurai has become even more meaningful. I’ve got so much to learn from readers who are more experienced parents. There are so many family-related financial topics to write about in the coming years. Finally, I’m absolutely excited to use Financial Samurai to teach my son how to communicate better and run an online business.

Please move on from your job if it no longer excites you. The labor market is as tight as it has ever been. There is a better fit out there if you spend time looking. Do not settle! For those of you who’ve hit your retirement number, or who have achieved a net worth equal to 20X your average gross income or more, I encourage you to consider taking a leap of faith.

I promise you. You won’t turn into a zombie in retirement, mindlessly wandering through a field of despair. Rather, with renewed vigor, you will rationally move towards doing the things you love. If you still don’t believe me, know that the Okinawans have the highest life expectancy of any country: 90 for women and for men, 84, a significant 8-9 years longer than American life expectancy.

Having something to live for truly matters.

Related:

The Fear Of Running Out Of Money In Retirement Is Overblown

Overcoming The One More Year Syndrome To Do Something New

How To Retire Early And Never Have To Work Again

Readers, please share with me your reason for being! Have you found your ikigai? Or are you still on the search? Why do we settle, when there is so much opportunity?

https://www.financialsamurai.com/wp-content/uploads/2018/09/Ikigai-Is-why-you-shouldnt-fear-retirement.m4a

The post Ikigai Is Why You Shouldn’t Be Afraid Of Retirement appeared first on Financial Samurai.

from https://www.financialsamurai.com/ikigai-is-why-you-shouldnt-be-afraid-of-retirement/

[yourcertainstudentlight-blog]

How much would car insurance cost?

"How much would car insurance cost?

I m 19 years old almost 20, I want to get a car no older than 2008. 2 door coupe with v6 or v8 engine. How much would I have to pay for insurance?

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

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I was just in a car accident on Thursday. Its basically totalled my car. Two weeks before the accident, I just put $2345 into the transmission, $500 2 weeks before that, and another $500 about a month before that. Thats not to mention the $1000 I put in in 2006. It was a troubled car but with the transmission fixed, it should have been perfect. The other car hit me. I really was at no fault but the other car is a company car. The people driving don't own it. They also don't seem to be American Citizens. Here's my damage, Broken Axels, my tires leaning into the car dramatically, my tire is ripped, the driver door doesn't open, blinker is gone, just severely damage to the quarter panel, ETC I did have some injury, a seat belt burn, back and neck pain. What can I expect from the insurance company? Will they take into account the recent expensive work done on the car? Any ideas? A guess? I had a 99' Hyundai Elantra - now I have scrap metal.""

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If it is a 17 year old who is going to be put onto one of his parents insurance so he can drive their car, will the amount added on be roughly the same as if he were to have his own insurance or slightly more/slightly less etc? Cheers.""

HOW MUCH YOU PAY FOR CaR INSURANCE?!?

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Geico nonowner auto insurance for rental cars?

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im 25 got new car toyota 2010 Reaally need help with the GOOD car insurance? im having progreesive insucrance right now for which i pay 160 per month ...but i wanna know if there is ny cheaper car insurance but has to be RELAIBLE and GOOD one please? ALso if i can swtich to another car insurance easily and they refund my money? or its a contract for 6 months? Thank you so much in advance :)

""A good car for 2000, Cheap to run but not bad looking.?""

Right as the title suggests. I am looking for a new car which is a cheap insurance group (7 max) and a cheap tax band. theyre would be leeway on the right car. Now it has to be good looking i am a 23 year old bloke and don't want to be driving anything boy racerish equally anything which is quite old looking! If anyone can help, many thanks :)""

What is the cheapest insurance out there you think?

Whats your insurance company and how much you pay a month?

How much would car insurance cost?

I m 19 years old almost 20, I want to get a car no older than 2008. 2 door coupe with v6 or v8 engine. How much would I have to pay for insurance?

Health insurance help..family of 6?

we got denied Medicaid in our state, said we make to much money. we cant afforded it our works don't have it. where can i go to get at least a RX card or something?? or a place that has affordable insurance?""

Car insurance trying to be cheap on repairs?

I was recently in a car accident. The other driver T boned me and he's at fault. I have my car towed to a certified BMW repair shop. The insurance adjuster assessed my car and approve the repairs.I later found out that they are going to repair my car with piece meal parts from used car from a junk yard. Half a door and part of the frame will be welded. Is this acceptable? BMW said it will not fit there standards but it is what the insurance paid for. Is the insurance trying to cheat me or is this standard practice? Do I have any say on this? Should I get a lawyer?

How long can I not have insurance before my car is repossessed?

This month I am not going to able to pay my car insurance due to other bills coming up. If I cancel my policy this month how long will I have before they repo my car? I live in New Hampshire.

I want to get my car insurance. So how much does the average cost get for 19yrs?

how can i know that the my car insurance cost which can help me for further analysis of budget.

Driving without insurance?

My mom has insurance in her name for her car. I passed my road test yesterday and got my license. Can i legally drive the car with her INSIDE of the car? I'm not listed on her insurance? If i get pulled over do i legally have insurance? What will happen?

USA traveler renting car in New Zealand. What's the best car insurance?

My wife and I are traveling to New Zealand this September and renting a car for 2-weeks. We found out that our USA car insurance does not cover automobiles in New Zealand. I also checked American Express (my credit card) and they too do not offer any type of coverage in New Zealand. We are renting our car from Hertz but the insurance through them is super expensive. Does anybody have a suggestion on temporary car insurance in New Zealand? Also, feel free to offer any other advice about renting cars and driving in New Zealand. Thanks a lot!""

How do i apply for medical insurance?

I live in santa ana orange county california. im 21 work part time and independent. what will i need?

What is a good price for a 2007 SV650s?

I am looking to buy an SV650S. So far this decisions has been been placed on price, insurance cost, easability in riding (based on what I have reasearched), and overall looks. Once I get to the dealership it will get my final approval based on the feel when I actually get on it. But assuming that I still love the feel of the bike, how do I begin the haggling process. This is the first bike for me and I don't want to be taken advantage of. Currently near where I live, Los Angeles area, one is being adverticed as a new 2007 for $6199 OTD. Could this really be an out the door price? Can I haggle on an OTD price? Am i only allowed to touch and sit on the bike at the dealership? Could I ask them to throw in gear in the deal such as a jacket or a helmet or something?""

Is AAA only car insurance?

I am wanting the benefits of AAA, but I don't need more car insurance. Is it a monthly fee to have the benefits, or do you HAVE to have their insurance for it? I want to pay for the benefits before driving across country in a few months in case something messes up with the car. Thanks!""

Can I get car insurance for my work place way from home?

can I get car insurance for my work place way from home

Approximately how much does it cost to bond and insure a sole-proprietorship pressure washing business?

Approximately how much does it cost to bond and insure a sole-proprietorship pressure washing business?

Need affordable car insurance for 16 yr. old can you help!?

do you have a teen that drives or just know what the best prices are!

Will my Insurance go up because this is my second speeding ticket?

Just got another speeding ticket going 50 in a 35...It's 125 dollar ticket..Do you think my insurance will go up?

Can I sue my auto insurance company for an at fault accident with an insured driver on my policy?

I was a passenger in my own vehicle during a near fatal accident where the driver, who is an insured driver on my policy, had road rage with another driver. The driver ended up receiving a DUI as a result of the accident. I tried to sue my auto insurance company for under/unisured motorist, but since the accident was a sole vehicle accident, the insurance company would not settle for my injuries. Due to the nature of the accident and the result of the driver being intoxicated, the auto insurance company accepted liability for the driver's negligence and tried to settle for $4,200. I ended up hiring a lawyer because I have an unpaid hospital bill in excess of the settlement amount. In addition, I have had complications from my injuries and need lifetime treatments. We have an arbitration hearing next month, but the driver is only named on the lawsuit, not my auto insurance company. This accident happened in Pennsylvania and I had full tort, stackable, 100,000/300,000. My question is...why is the insurance company not insuring the named insured driver (who by the way happens to be my husband), on my insurance policy?""

What are the types of automobile insurance in USA ?

I'm doing a research for my course , comparing this service in my country to which in the USA ...and more specifically about the private and commercial cars... a claim saying that USA's provisions are strictly applied ..i.e the son driving his father private car is not entitled to any compensation in case an accident is occurred .....because it's not the son car..(which at the same time is not going the same way here ...as long as the car is insured so anyone drive it is insured ..regardless of the owner of the car...and just there it is the debate point...what do you think about it ? so ,I'll appreciate if you could feed me with any thoughts any idea any information any links concerning that or even automobile insurance in general...""

Would Jesus want health care for ALL americans?

Or would he worry about the Big insurance companies not being able to compete with a public option?

""What are insurance rates like in Thailand. Car, health and home.?

I have no idea what the charge for insurance and I hope to retire soon. I own houses in Thailand but they are not insured. And help would be appreciated.

Recommended Auto Insurance Coverage?

I'm just about to have to buy auto insurance for myself for the first time, and I have no idea what all of the different terms and numbers mean. What is the most commonly recommended auto insurance coverage?""

Learner's Permit and Car Insurance?

If I didn't live with my parents, had my learner permit and had my own car, would I be able to drive it if in the presence of a licensed insured driver? Like say my friend came over and I drove him in my car, would his insurance cover me?""

Looking for medical insurance for male 25 yrs of age resident of Alaska. affordable. has heart condition?

Looking for medical insurance for male 25 yrs of age resident of Alaska. affordable. has heart condition?

What is the best medical insurance in New York City?

What is the best medical insurance in New York City?

""If an accident is weather-related, will my insurance go up?""

Yesterday, I slid into a guardrail coming off of the interstate on the terrible snowy roads of Maine. $3,000 damage to my brand new car. I was told that if I file an insurance claim my monthly insurance payment won't go up since it was weather related. Is this true?""

Is marriage counseling covered by insurance?

i have blue cross blue shield, will they cover marriage counseling? if it matters i live in Louisiana""

Do Muslims pay more for insurance?

I live in Slough, Bucks. My car insurance is very expensive due to where I live. Some insurance companies wont even provide insurance at all in my area. I looked at a map at an insurance brokers that showed high risk areas and I have noticed that the high risk/expensive areas happen to have a high Muslim population. Are the government aware of this.""

How does this car insurance thing work?

and where can you get car insurance quotes.

How much would car insurance cost?

I m 19 years old almost 20, I want to get a car no older than 2008. 2 door coupe with v6 or v8 engine. How much would I have to pay for insurance?

Worries about insurance with a tracker?

Being a 19 year old male who lives in London, insurance was clearly going to be a problem. I have however found some decent quotes which include having a tracker fitted. Now, I don't mind it too much but I do have some worries: a) The location/address: on the quote, I provided a relative's address which is outside of London (the address is about 40 to 50 minutes away from my actual address). Consequently, the price was cut by about half! The worry I have is that if I have a tracker installed, won't it be obvious to the insurer that this isn't my real home address when they see me parking and basically using my actual address instead of the relatives'? I won't be anywhere near the relative's address b) Speed limits: I once read somewhere that '90%+ people go over the speed limit' and although I don't know how true this is, it's clear from driving that in some areas, going at 30 causes delays and its a bit daunting when you're at the limit but everyone else is just speeding past. How much would this change the insurance? c) Price: is the price of the quote they provide the limit? What I mean is if they see bad driving with the tracker, could it increase the quote or is there a limit? Thanks for any help :) P.S Happy new year!""

Do insurance agents get group health insurance?

I am thinking about becoming an insurance agent for one of the large insurers. I was wondering if insurance companies generally offer group insurance for their agents or if they consider them independents and don't offer the coverage. What other benefits do most large insurance companies offer?

Who has the best car insurance?

Im looking for car insurance, and I need it soon. Sorry for the flood of questions, but no one is answering... And now the question- How has your insurance company been to you? Since most of the companies I've looked at have similar rates, I have the freedom to choose a company not by pricing, but by how good they actually are. I've spent hours searching reviews of all the major players, and I've seen almost exclusively horror stories about how bad the companies are once you file a claim. Geico, Allstate, and especially progressive (defended policyholders killer in court to weasel out of paying out claim), all seem to have a pretty bad reputation among their customers. Now I'm not a fool, I understand that most reviews are written by people who have been wronged. People are much less likely to write a positive review because their company has followed through, as this is what is to be expected in the first place. It is entirely possible that behind that sour review, there are several satisfied customers who didn't feel a need to review their service. If any of those people read this, please help me out with this choice. Additionally, anyone who may be in the wronged group, if you have a reason that you would not reccomendation your insurance co please let me know! Thanks for any help!""

Average cost for insurances for a service company?

im looking to start a business, though im wondering how much insurance will cost me monthly. I will be needing Commericial Property insurance, Insurance for equipment, Business for insurance, Auto commericial insurance, Workers comp, General liabilty, Commericial umbrella There will be 4-6 employees 2-3 trucks a commericial establishment for business equipment so if someone can give me a ball park range on how much this may run all in a consolidated number thanks""

Affordable Care Act?

My wife is 54 with diabetes (insulin) and high blood pressure. I care about my wife and want to act to buy her what i can afford which is up to 200 dollars a month. I can not fine an insurance company that will take her. What do i do when she won't qualify for medicaid either.

Is it cheaper for a first time driver to insure a van?

Hello, If I were to buy my first car, the insurance is about 3k at lowest of the low. But do you think a van would be cheaper? Can a 17 year old get van insurance?""

In california how long can a company take to provide you with insurance?

I work in california and was wondering if there is a california or federal law on when a company should provide insurance benifits for a full time worker? My friend has been with the company over a year and still has no benifits...i know most companies give it to you after 60 or 90 days probation even 6 months but is there a law about how long they should take ?

Insurance for penis ?

Is there any Insurance scheme for penis ? i'm worried . beacuse i use it too much . need help .

What does full auto insurance cover?

hi, i bought a 2005 saturn on sat. i am tryng to get insurance quotes, so what i need to know what exactly does full coverage include? details please!! NO RUDE ANSWERS!!!""

Why do I need title insurance?

I'm buying a piece of property, the lender says I have to get title insurance, why?""

Is it a legal requirement to have insurance when you are self employed?

I am about to sign a contract, as a self-employed contractor, and one of the point refers to me having liability insurance. Is it a legal requirement?""

""When getting a quote from a car insurance place, do they automatically add you to there car insurance?""

I did an online quote for a car insurance place, and they asked for my name, number, e-mail, address, if I am currently insured, etc. they gave me a total of how much I would have to pay, does that mean I am added to there car insurance? or not?""

Health insurance for non-residents of any state?

I live part-time in California and part-time in Washington, though my residency status is in California. When I purchase health insurance, am I allowed to only purchase it from California because I am legally a resident there? Or can I also purchase it from Washington? If I can only purchase from California, will I also be able to use it within Washington?""

Ticket for no license and no insurance?

I'm 17 and I got a ticket for not having a license or permit, failure to yield to an emergency vehicle and no insurance in California. How deep will this ticket dig into my pockets? Over $500? Big thanks if you can help me out.""

How much should my car insurance raise....?

I am 16, I've been driving 4 months. I have USAA car insurance, and I went to a driving school. I'm a supertard and today I rear-ended someone.... the cops were called and an accident report was filed, they said that my insurance company and the person's will contact eachother. I'm just curious to how much you think it should raise? There was alot of damage to my front end, but the person's who I hit hardly had a few scratches on the back bumper. I'm already paying $80 a month. Thanks so much for your estimates!! (p.s. i live in TX if that makes a difference.)""

Taxes on insurance?

My sister passed away in a plane crash and the plane was insured. If the insurance company wrote me a check for $50,000 how much should I be expecting to pay in taxes? I'm so confused....""

""How much does car insurance usually cost for a 17 year old in Ontario, Canada?

a 17 year old brand new driver (Girl) owning her first car? (a pontiac sunfire) IN CANADA !! NOT THE US

Car insurance change of address?

My car is registered in upstate but I came to ny recently because of my recently wife. I just leased a brand new car like two weeks ago and they are asking me for proof of residency. I registered the new car in hicksville li not in upstate. So i want to change my car insurance to hicksville but after a week change it back to upstate. Will there be any conflicts with my car insurance? Please help..

""Question about insurance, medicaid, and having a baby?""

I am currently pregnant and still on my parents health insurance plan. However, I will no longer be able to be on their plan anymore because I'm getting married and turning 25 this June. Will medicaid help me with my insurance, or will they consider my pregnancy a pre existing condition?""

Get a 50cc moped help please!!?

m turning 16 next month and have been saving to get a moped. I just need some more info on them first, such as how much will tax mot and insurance cost? What do i need to legally drive it on the road? Where can i NOT drive? Also if anyone knows where i can get a cheap moped or scooter from in the essex area second hand is fine. Im a soon to be 16yr girl in the essex area if that helps. Thanks""

A question about car insurance....?

Anyone know where top get cheap car insurance for a 17 year old in the U.K

Young adult health insurance?

Young adult son cannot find job, not in college, has no health insurance - any ideas?""

How does a car insurance work?

So the other day i hit an 06 mustang and it left a 1 inch dent it was very small i exchanged info and all then the lady called me and told me the damages were $1008 my insurance said they are going to go check the car to make sure, i was just wondering the dent seemed like a $250 dent will the insurance give them what they say or what the lady says its supposedly worth?""

Car accident cause my current insurance to go up?

I had an accident a few months back which I was not at fault but caused my car to be written off, I bought a new car yesterday and wrang up my insurance company who said that since I had an accident that to change the insurance over to this car for my remaining 4 months insurance would cause my insurance to go from 166 a month to 240. The car is a lower insurance group so it shouldnt have changed my insurance. I don't understand why I have to pay more? If my car hadn't been written off my insurance wouldn't have increased until the following 4 months so how come when I change my car they decide that I have to pay so much extra a month now?""

Have lots of car insurance questions ?

hello had a car accident i am not in fault my medical bill are almost $100K the other party insurance accept its fault in the accident and it appears that they have full coverage if the insurance i have is the basic that covers $25K in medical bills so the other insurance tells me that there limit is $25K-$50K how can it be possible that it only covers $25K same as mine if she has full coverage and i don't?? Next question. How can i make the insurance or the lady that hit me to show me the policy??? is there anyway i can force them?? i have an attorney working on the case and he said that the insurance did not let them see the policy but i want to know and see the policy so i know that neither the insurance or my attorney is lying. next question from the accident i was really damage after 6 months I am still going to therapy I have proof of all my bills and doctors reports from all my illnesses in which I have deafness caused from the accident I had a head injury and was hospitalized for 5 days the docs had said that it was really a serious accident including my attorney. How much is fair to fight for pain and suffering, medical bills, compensation for hearing loss including seance of smell and taste, everything I have paid like taxis, pills and more. don't want to take advantage from the accident but how much can I fight for?? thank you for answering but please only answer if you know. this is very important for me.""

How much would car insurance cost?

I m 19 years old almost 20, I want to get a car no older than 2008. 2 door coupe with v6 or v8 engine. How much would I have to pay for insurance?

Car Insurance Question (regarding insurance)?

Hello, I have an insurance question. Last December, my wife, 2 y/o daughter, & I were involved in a car accident. The other driver was at fault, this was noted on the police report. My wife & daughter both required medical attention. My daughter suffered a broken leg & has since recovered. Unfortunately, my wife's recovery is taking a little longer. She required immediate surgery on her wrist & needs daily physical therapy. Although I have a laywer, car insurance & health insurance, I've had to front enormous amounts of money to cover medical expenses. My health insurance will not reimburse me for expenses. Can I ask my car insurance company to help me out with expenses? They know the other party is at fault (police report says so). I've had to liquidate stocks & savings to make ends meet. I'm now out of money. I was not at fault, yet I'm being punished. Any advice on how to get reimbursed ASAP? My settlement probably will not occur until next July.""

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?""

How much to get a 2007 BMW 335i insured?

I have been looking for a beamer recently and I found one it's a 2007 BMW 335i blue coupe and I was wondering how much insurance is for it in California.

Need help finding cheap insurance for a first car?

i'm looking to buy a first car i've been looking at a couple of cars - Mitsubishi colt - VW polo - honda Civic (3door) my mom is willing to go on the policy with me just wanted to know what else i could do for cheaper insurance

How much would my car insurance go up for putting a little scratch on someone elses vehicle?

I'm with State Farm

Car insurance quotes?

when i turn 17 (few months) and hopefully pass my test 'm going to most likely going to get a ford fiesta however ive already looked at claims on multiple cars including the fiesta type i will probably get and every quote is around 5000-7000 so i was wondering if i should (give the car to my mum or dad) and get insured on them for a considerable lower price as the car im looking at is around 2000-3000 im not a boy racer or anything so im not gonna mod the car or rag it rotten i was wondering if i will be able to get away with it or should i just get insured on a car that costs less than the insurance? Thanks all that answer

""What the best, and cheapest car insurance to get full coverage on??""

I moved to another state, need to change insurance companies, and have a 2000 pontiac sunfire.. its still in good shape and would like full coverage. What the BEST, and cheapest insurance to get full coverage on??""

How much does your insurance go up when you get in a fender bender?

My brother got in a fender bender. He is 16 and got his license about 9 months ago. The other car wasnt badly damaged, just minor. We live in California. Anyone know about how much his insurance policy will go up?""

I was rear ended a few months back and had no insurance?

Me and my wife and a friend were driving in california and we were rear ended we pulled over and so did the other people. I looked at our car and there was no visible damage. i took pictures to show. and the guy who hit us had major front end damage he just wanted to drive away and get no information but we took his info so he asked for ours. four months later i get a letter from the dmv saying he is coming after me for insurance to pay him for the damages . i am assuming he is lying and said i hit him or something but i have two witnesses who saw everything my wife even had a ****** up neck problem for a while and still does but we didnt want to go to the hospital because of the no insurance thing. i was hired for a job at a dealership but cant get my salesperson license because of this and my license will be suspended next month what do i do to fix this whole mess. and if i can be lucky come out of this with some money because he is lying through his neck to attack me. I had a perfect driving record as well.

How much more would insurance cost if I bought a used 2005 VW beetle with a convertible top versus a hardtop?

Thanks!

Car insurance for teen?

ok so i am going to get my drivers license tommorrow, and my mom brought up the whole insurance thing. my question is, i dont have a car of my own yet so i would have to drive my mom's in her words (IF i let you drive at all)--how stupid is that?!? anyways. would she have to change anything about her insirance if im driving her car and have been since ive had my permit, or can she leave everything as it already is???""

How much would it cost to give birth without insurance?

Like regularly and with the C-Section?

Where can i get the cheapest car insurance in marion ohio?

Where can i get the cheapest car insurance in marion ohio?

""What is the pros and cons of 3rd party,fully comp and no insurance?""

What is the pros and cons of 3rd party,fully comp and no insurance?""

Anyone know anything about Alliance for Affordable Services ...its a health benefits program ??

I got a call about this program, and met with the representative today..everything sounds good..but I'm trying to do some research online about customer reviews and can't find ...show more""

What is the best insurance company to work for in California ?

What is the best insurance company to work for in California ?

1993 camaro car insurance?

I'm looking to buy a 1993 used camaro with a v8 engine and 145k miles on it off craigslist. I just need to know how much the car insurance will cost me. I'm 16 turning 17 in a month. I get A's and B's in school (someone once told me grades help lower car insurance) and havnt gotten into any accidents yet. i know you guys can't give me and accurate price but i just want a general price range from any company. i'm trying to find a really cheap car insurance. so can someone please tell me a general price range i might end up paying for the car?

""Buying a car, do I need my own insurance to have the title signed over to me?""

My youth pastor is selling me his 2004 Dodge Stratus, and we're planning on going to the DMV tomorrow morning to have the title signed over. Currently, my mom pays for my car insurance every month, and the car I've been driving is in her name. If I want to put the new car in my name, can my mom still pay for my insurance or do I have to be able to pay for it in order to have the title signed over to me?""

Affordable health insurance for a 19 year old?

I am a 19 year old white female, i live in California, i go to a community college part time, and i babysit and work part time as a substitute custodian(no benefits). Im looking for really cheap even free health insurance since I make roughly $120-$400 a month. I've looked at my school's health care, it doesn't cover what i want(just covers family planing and std test). I would like something that would cover doctor visits or i pay a small copay. If anyone knows what i can do or where to look, i would greatly appreciate it.""

Which insurance company offers the cheapest car insurance for new and young drivers?

Which insurance company offers the cheapest car insurance for new and young drivers?

How can I afford car insurance (17 - 18 year old)?

Does anyone have any ideas on how to afford running a car, especially insurance which would be around 2500-3000 per year. I'm still in sixth form and plan to go to university so I only really have weekends to work. Is it possible to afford to run a car? How to people do it? Thanks""

What's the best way to shop for life insurance? Is there a software program to find the best life insurance?

I mean. Is there any software to compare life insurance?

Car Insurance Cancelled due to not sending documentation...?

I recently had a car insurance policy cancelled due to not sending off my documentation (driving licence & counterpart) in time. So, I started to apply for a new quote, and it asked if I'd ever had a policy cancelled, I ticked yes, and in comparison to begin with the quote doubled. This was because of the cancelled policy. I assume they do this because people have policies cancelled due to non payments, however, obviously mine wasn't. Is there any way I can get around this because it wasnt actually cancelled because I didn't pay...?? Please help, as an 18 year old girl car insurance is expensive enough! Thanks""

Geico car insurance !?

i have car insurance with Geico, on the policy was said Effective date : 12/20/2009 ... ( just bought insurance from Geico on 12/29/2009 ). i got accident today,( 12/22/2009 ),a deer jump into the front of my car and the front bumper messed up really bad... i know on the policy its said the effective date is 12/20/200/9 but still i wonder am i cover when i just recently bought the car insurance from them ( for 1 day and a half i guess ) ?!!! am just so ... panic and .. confuse right now !""

How much would some general liability insurance cost for a start-up salsa company?

My wife and I are starting a small salsa company selling it at the farmers' market and hopefully some local grocers. We would have no employees and sales will be well below $50K for our first few years. How much would some general liability insurance cost for a this start-up? We are in Lancaster County PA if the area matters. Rough estimates would gladly be accepted!

How much would car insurance cost?

I m 19 years old almost 20, I want to get a car no older than 2008. 2 door coupe with v6 or v8 engine. How much would I have to pay for insurance?

https://www.linkedin.com/pulse/com-insurance-quote-isaiah-rice/"

[bloginstantmooncollector-blog]

Can I get around paying really high price for Car Insurance being only 19yrs old>?

"Can I get around paying really high price for Car Insurance being only 19yrs old>?

I am 19, dont want to pay high price for car insurance. My friend said I can do this: find a cheap insurance company for my dad/mum to get insured on the the nice car (e.g. BMW) just them, not have me on it aswell, then find the cheapest car to insure with co-op, with me under my mum or dad, altogether it shouldnt be more than 2k and you I can drive the beemer, as long as the beemer is registered in my dad/mums name. Can somebody tell me if this would actually work or not? Please no philosophical answers or opinions on right or wrong or against the law - I dont give a F**k. Just want to know whether this would work or if anybody else has any ideas 10 September at 23:00

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

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How much is insurance for a honda rebel on a 15 in a half year old boy in missouri?

Auto insurance in California?

I bought a car in Aug 09. It's under my dads name for cheaper insurance purpose. But I never really got to the insurance part and have been driving w/out it. I just got a letter in the mail from the DMV saying my registration is suspended because I haven't provided financial proof... So I went earlier... and if my dad were to add the car and list me as a 2nd driver on my car, I would pay too much :| So the question here is... if my dad were to add the car and not list me as a 2nd driver, will I be covered? I really don't give a crap if it's fraud or not, just need to know if I will be covered since he will be lending me the car. Only place I really drive it to is work, and I work overnight so there's no cars around! ..and weekends. Plus with gas prices this high I stay below the 1.5k rpm's.""

Any tips for getting insurance for a first time driver? (UK)?

any ideas about which cars are the cheapest to insure/cheap companies etc? thanks:)

If two insurance companies have a dispute?

Let's say that I get into a car accident with another driver. My insurance company determines that he's at fault. His insurance company determines that I'm at fault. How does this typically get resolved? Do they go to a third-party arbiter?

Father wants to add either wife or daughter on the car insurance policy? Who will be cheaper to add?

Father wants to add a named driver to his insurance policy and wants to add the wife who is 48 years old whom holds a provisional licence. However, the daughter who is 17 (nearly 18) wants to be added as a named driver as she does quite a lot of practising in the car. From the situation would it be the same price for both? or would it be cheaper for the older women. Both have not passed test so wouldn't the insurance policy price be the same for both. I would like to know the difference? or whether it would be the same as both just hold provisional license?""

If an unisured driver is at fault in an accident where the other party had full coverage insurance. ?

Does the fully covered drivers insurance sue the non-insured driver?

Does a car absolutely need insurance and plates?

I'm going away to college so I will not be using my car for while. My mom wants to sell it, but I know if she does I may never get a replacement. She says that it needs insurance and a new sticker and if she doesn't get them it ruins her record or something like that, but if the car is not going to be moved at all does it really need that?""

Individual Dental Insurance?

I'm looking for individual dental insurance. Does anyone have any recomendations...

Looking for health Insurance?

I'm looking for affordable health insurance with good coverage and options for doctors. A PPO is okay but I'm looking for quality AND affordability. Dental and vision would be a great plus. Can anybody out there help me!?!

How to change auto insurance?

I pay my auto insurance every 6 months. I want to change insurance company from 'company A' to 'company B' because it's cheaper. I already paid a bill for company A and still have about 4 months until renewal. If I change to company B now, will I get a refund from company A? How does this work? I don't want to wait another 4 months with company A.""

How much will it cost to fix this bumper dent?

http://oi43.tinypic.com/lv393.jpg hit a parked car when pulling out of a spot :( the other car was fine lol, but this is mine. trying to not involve insurance cause i dont want my rates going up. how much do you think this will cost to fix?""

Cars that have cheap insurance!!!!?

Right, i'm 18 and i'm going to get a car.. but the insurance for me is just mental. I need to know what cars have REALLY cheap insurance, and the name of the insurance company(s)!?""

Can I trust American Health Insurance?

I'm going to an American university and I have to buy student health cover. How trustworthy is it actually? If I get sick, will the insurance just say that my injury/illness isn't covered and left me to die - even if it's an insurance company that the university requires students to buy insurance from??""

Child support and health insurance???

If someone is going to provide health insurance (and dental,vision) for a child does that lower child support even a little??""

Can I get cheaper Car Insurance in England if I have 3 different clean Drivers Licences?

South African Licence, Japanese Licence and English Licence, all CLEAN! Can I get cheaper car insureance then?""

Hemi engine insurance?????

will the fact that i am considering a dodge ram 1500 with a hemi make a difference in the insurance cost if there wasnt a hemi engine under the hood, the truck is a 4wd dodge 1500 slt with the big engine, i am currently in a v6 4wd 2000 ford explorer, how much will the rates change???""

Do anybody know anything about Gerber Life Insurance for children?

I've heard rumors that they dont pay. Do anybody know anything about Gerber.

""I am about to quit my job, need advice about insurance?

I am quitting my job in a couple of weeks to start my own business. I am shopping around for individual health insurance plans and have found a couple that will suit my needs. The problem is that the plans are both Anthem (Blue Cross California) and that is the same insurance that my employer carries. I'm worried that contacting Anthem to start the process of getting coverage will alert my employer that I am leaving. Should I be concerned?

Can I get around paying really high price for Car Insurance being only 19yrs old>?

I am 19, dont want to pay high price for car insurance. My friend said I can do this: find a cheap insurance company for my dad/mum to get insured on the the nice car (e.g. BMW) just them, not have me on it aswell, then find the cheapest car to insure with co-op, with me under my mum or dad, altogether it shouldnt be more than 2k and you I can drive the beemer, as long as the beemer is registered in my dad/mums name. Can somebody tell me if this would actually work or not? Please no philosophical answers or opinions on right or wrong or against the law - I dont give a F**k. Just want to know whether this would work or if anybody else has any ideas 10 September at 23:00

What kind of insurance would i get for a honda cbr 600 (im 16)?

im moving out to california after highschool to pursue the music industry so i figured it might pay for itself in gas money, but then i started to think about insurance...""

I need cheap car insurance in New York City?

I need cheap (FULL) coverage for a financed vehicle in the NEw York Area...I've tried the popular sites...any leads?

Cost of insurance for 1999 mustang?

im 16, did the full drivers ed course- should get me some discount. live in Connecticut prob gonna drive 5-7kmiles annually car already has 122k mi. car is black, v6 model standard. bought it for 2k$ HELP ME OUT A LITTLE, HOW MUCH WOULD MY INSURANCE COST?""

""How much would you have to make to own a $50,000 car?""

the question is what would your salary have to be to go to a dealership and buy a brand new car worth $55,000 car not owning a home, or having anyother bills to pay not even a cell phone??? and what would you figure your monthly payment to be, and insurance????""

""If insurance companies are so evil, why buy insurance?

If insurance companies are so evil and make obscene profits; why not take your money and put it into the bank until you need it for health care?

What car is cheap for insurance?

I'm 17 year old im looking for a car I have got to the point of I want anything thats ok but insurance is killing me so I came up with a few cars let me know if it's good on insurance . 89 Silvia s13k ,98 gto twin turbo ,98 pointac grand prix and if you have any cars that you suggest or insurance plains that I should look into let me know.""

Got myself a little old ford fiesta 1100 i am over 25 learner driver which is the cheapest insurance firm.?

Got myself a little old ford fiesta 1100 i am over 25 learner driver which is the cheapest insurance firm.?

If you are under 18 and wreck a rental car is it covered by insurance?

I need a rental car and my mom will rent it but they said an under 18 year old can't drive it by yourself. If I drive it with some friends and get it in a wreck will it be covered by insurance (rental, our insurance does not cover rental cars). Also if I get pulled over by a police officer is it legal for me to drive? Thanks.""

Why is car insurance so expensive?

I'm going in for my test in a few weeks and I'm looking to get just a cheap car to get me from a to b but prices are so ridiculous. I got a quote on a 106 3door 1litre engine the cheapest was just under 900 with a company iv never heard of and my dearest was 4600 with asda even though my beautys going to be sleeping in the garage:) why are they such ridiculous prices?

Dose anyone know any cars with cheap insurance for a young driver (under 1000pa)?

Im looking for a car with a small engine so the insurance will be as low as possible. can anyone think of any good cars.

Who's insurance will be cheaper?

Someone with a DUI conviction(only one) OR someone who is in their 30's who hasnt had insurance for 18yrs?

Can Drivers under 18 without a car drive with their parents insurance?

I just got my drivers license and I don't have a car. Im not 18, and i don't think i will be driving enough to have to need a car, or to pay insurance every month. But if ever ...show more""

Do you need insurance to drive a car?

i live in alberta and i am wondering do you have to get insurance in order to drive a car will you be in trouble if you drive without insurance?????

How much does car insurance cost for a 19y/o?

Hey, I just wanted to know what is the avarage cost of car insurance in California( San Diego) for a 19 yearold female and college student""

Does having a medical marijuana card affect auto insurance?

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

Young driver car sports car question? (insurance)?

Im 17 years old. Im on a budget of 15k for a new car. Im looking at 2003 350z's, a 2003 Mitsubishi lancer evo, or a subaru wrx (non sti). All of these are ridiculous on insurance, i know, but thats the sacrifice that must be made because i refuse to drive an economy sedan and be like every other kid my age. Im not a wanna be fast-and-furious driver, i have loved cars all my life. What do you guys think would be the most practical sports car for me, either listed above or in your own eyes. Dont suggest anything with less than 230 to the wheels or more than 6 seconds to 60. Thanks.""

How much is Car Insurance in the US for a new driver?

Does it depend on the state? Just give me an average price. Im from the UK and my Insurance was 1700 for 1 year.

How much woul i pay for auto insurance on 2007 Hyundai Tiburon?

V6 2 door coupe. Im 18. 2 tickets, 1 for running a red light. Other was a car accident, 9000$ cost to insurance on property damage. No injuries, or if anybody owns one let me kno hoe ...show more""

What are the Best Life insurance companies out there ?

We are looking for term Life insurance for my dad -He is 48 years old. -He drinks occasionally -Tobacco user -full time Truck driver -Has Type 2 Diabetes (Right now its not in control he had high Hcl results last time he got his lab done ) -He applied for New york life insurance and they denied his application coz of high blood sugar results ) so what company can provide him good coverage with affordable price or its just impossible for Diabetes patient to get a life insurance ? what are the high rating insurance companies out there ? I searched online but when it comes to reviews every company has 50/50 good and bad reviews .doN'T KNOW HAT TO DO.!

Can you have two different insurance policies on one car?

I am buying a car from my friend and I will have it paid off in August and the insurance will be in his name til August but I want to know if I can go ahead and get insurance in my name on the car in July while insurance is still goin to be on the car in his name as well. Is this possible?

Is there a cheap auto insurance i can get while i have my learners permit?? everything is so catch 22?

Its like you have to have insurance to buy a car, but you have to have the car to take the drivers test. So im really confused, and i need to know if theres insurance for me while i have my learners permit?""

Around how much would classic car insurance be for a 1985 chevy silverado 350 V8?

Around how much would classic car insurance be for a 1985 chevy silverado 350 V8?

California auto insurances?

There's a car under my parent's name and under their policy. i'm 19 and i have my license for a year now. Since i am on my winter break now and i would like to drive it sometimes. However, i'm not under their policy nor any policy. So, i am driving their car and if 'm involved in an accident, will i be covered under my parent's policy? And i heard that if i am involved in an accident i will be covered by my parent's policy for the first time only, so is this true?""

How much would the insurance cost for a 2004 Subaru impreza wrx. Not sti.?

Im 17... So it normally costs more for me anyway. My dad and mom has had geico for a while now. My dad says I can't get it cuz the insurance will cost too much on a turbo car. I can't live without a turbo car!!!!!

Not paying car insurance?

I have currently had my permit for 13 months and I am 20 years old. My mother inlaw was telling me I could get something called my fleet affidavids license and I wouldn't have to cover insurance on the car i'm driving as long as I have the same last name that is on the insurance. I honestly can't be expected to pay insurance when i'm just now getting my license and had no transportation what so ever to get a job to make money for insurance. Does anybody know anything about fleet affidavids license or have any information that might help me out? I can't afford insurance.

Can I get around paying really high price for Car Insurance being only 19yrs old>?

I am 19, dont want to pay high price for car insurance. My friend said I can do this: find a cheap insurance company for my dad/mum to get insured on the the nice car (e.g. BMW) just them, not have me on it aswell, then find the cheapest car to insure with co-op, with me under my mum or dad, altogether it shouldnt be more than 2k and you I can drive the beemer, as long as the beemer is registered in my dad/mums name. Can somebody tell me if this would actually work or not? Please no philosophical answers or opinions on right or wrong or against the law - I dont give a F**k. Just want to know whether this would work or if anybody else has any ideas 10 September at 23:00

Cheapest Volkswagen Golf to insure first time driver 17?

mainly looking at diesel looked into the tdi gt and tdi 1.9 any other suggestions i am 17 i have 1 year ncb on a motorbike , garage , etc etc what car would be the cheapest to insure out of the models""

How much would a health insurance company charge to insure a 55yr. man with colitis?

How much would a health insurance company charge to insure a 55yr. man with colitis?

Where can I get some good cheap SR-22 insurance?

I'm in the Chicago area. I need SR-22 insurance as it's required by the state. My license was suspended and it expired soon afterward. I trying to get my license back. So I need SR-22 insurance for someone who was an expired suspended license. I don't own any vehicles either.

Simple car insurance question:? help?

Hiya, I'm seventeen and 7 months old, I'm working towards my drivers license but I REALLY do want to buy a Hyundai Coupe, either a Hyundai Coupe Siii 2006-8 or the normal s edition, its engine is 1.6 and one costs about 2 grand and the other 4 thousand, how much will be it to ensure, ? average costs? its in insurance group 8p, the siii one, dont give me any sites to go and look and get quotes please, btw, I WILL BE THE SECOND DRIVER, the first driver will be aged 48 and with over 20 years of experience and no history of claims or anything, i have no convictions nothing that could hurt my insurance, just wanna know an average cost, and cheapest thanks""

Car Insurance in Kentucky?

i've got a 98 red dodge advenger,, one of the sports one.. i'm 16 and my parents are going to make me pay for my insurance i think, i make good grades, like a,b,c's. but does anyone know how much insurance would be? we have allstate.""

Cheap florida health insurance?

my wife and i want to have a child but cannot afford to pay for the complete doctors visit and all.. we do not qualify for medicaid what insurance that is affordable can we use?

Advice onCar insurance?

which cart insurance is best for two 19 year Olds? I have never had insurance of my own and I have never gotten a ticket or been in an accident. My boyfriend will be 20 next month and he has had insurance but not recently. We are on a fixed income and would prefer to only spend around 150 per month. Any advice on insurance for a 2000 4x4 2 door Ford explorer? It's a 6 cylinder engine..automatic transmission.

Can you give me an estimate of how much car insurance would be.......?

lets say a guy under 30 in california with a 2002 BMW 325i sedan how much would insurance be?

08 lancer gts or 08 altima coupe what would be best for 17 year old and cheaper on insurance?

I want one that's fun to drive it has to be reliable I don't want to race but I do want a little speed I want whatever is cheaper on insurance and I'm stuck between these two cars what do you guys think?

Car insurance question.?

If I buy a car from my uncle, and do not drive it do I still have to pay for insurance on it? Extra info: I only have my permit and get my license in October. So I don't plan on driving it until October. I don't want to have to pay insurance on a car I wont be driving until a couple of months. Thanks in advance.""

Car insurance for a 19 year old female?

I am a 17 year old female and I am hoping to pass my test this year,my plan is to pass my test and save a little more for my car and car insurance etc... I have my eye on small cars ...show more""

How much will it cost to insure a classic mini for a 17yearold male?

I want to know if anyone out there has recently insured a classic mini, and how much they payed. also where did you get it insured? Thanks in advance.""

Does state farm have good life insurance?

Does state farm have good life insurance?

""Health Insurance 15 years, now NO health insurance!?""

I've had insurance since I've been on my own now, roughly 15 years. However thanks to Obamacare my insurance plan has been cancelled, so now I don't have insurance. Obamacare requires maturnity care, which of course mine didn't cover because I am a male. I looked into Obamacare but it was like 400 a month for me versus my other Blue Cross plan which was 175 a month and had almost little to no co-pay and a very low deductible. So someone explain to me how after all these years of hard work and having GREATTTTTT health insurance I have NO health insurance and basically don't want this bronze OVER priced piece of crap high deductible health insurance. If your broke, then you can't even afford the bronze because the deductibles are so high that it will bankrupt you and you won't get the subsidies until end of year so you can't afford it anyway LOL. Kinda sad I lose my health insurance so some low life can now finally have something they can't afford to use any way.""

How much might will I pay for insurance at 25?

I'm 25 years old and I will be getting my liscense soon, How much could I expect to pay for car insurance as a first time liscense holder? I understand that 25 is the magic number for the costs to go down, but how will just now having my liscense affect my cost?""

Car insurance LUDICROUS! whats happening ?

passed my test a week ago.. (UK) been looking for car insurance on any car thats below a 1.2 and im still getting quotes for 4000 what the ***** am i doing wrong to deserve this ? it's really frustrating as all my friends have car insurance and cars and drive about happily, yet im stuck catching busses, waiting around and generally feeling like a twit... what is it that i am doing wrong ?""

""Forgot to renew my car insurance, is my no claims bonus affected?

My insurance was due on 15th October but because km away at uni and the car is at home I completely forgot to renew it until today. If I decide to renew it now are there any consequences for paying it late? I would declare sorn but I don't know how it works and When I go home for christmas I do want to be able to drive. I've got 3 years no claims and my insurance has gone down a lot since I started to drive so will I lose it?

Where can a marijuana smoker get affordable life assurance?

it depends on if your a heavy smoker or just smoke a few times. if they ask for health records then you will be in a higher quote, but also when they ask you question on health and ...show more""

""Where can I get insurance, I want to play a sport but I don't have insurance ?

So im thinking about joining sports in school but I don't have insurance and does state farm sell that kind of insurance or any other insurance company

What can I do about car insurance from another state? PLEASE HELP!?

Okay basically here's the story. I'm 19, I live with my parents in Wisconsin but I'm trying to move back to Pennsylvania with my aunt and uncle. However I'm not in school at the moment. Apparently if I moved to PA, I'd have to pay 278 dollars more a month through Geico because I'd be living in a different state. I already have a job set up there and all so they could obviously see my paycheck is not from Wisconsin so I can't just lie or something lol. I really know nothing about insurance and how I can work this out without paying that much more. Can anyone help me with other options I could have?""

Help with insurance policies?

Does anyone know websites with insurance policies for events? I'm holding an event and I can't seem to find any proper policies anywhere. It's more of a sporty type event.

How much does the insurance cost on a 50cc 50km/h moped for a 16 year old?

I will probably get a CBT whatever that is - and could someone please tell me the usual pricing for provisional cat P motorcycle licence and the full one... thanks

""Which is better having, single-payer or mandate health insurance & why?""

Which is better having, single-payer or mandate health insurance & why?""

Cheap car insurance for 7 star driver?

Cheap car insurance for 7 star driver?

Fun first car from the 90's/cheap insurance?

I'm at the age of buying a first car, and was just wondering what would suit me... Currently, I drive an automatic Kia Sedona(Automatic) along with a Toyota Tacoma (Manual). I'm alright with cars and mechanics in general, and I'd like to modify my first car a bit. (Ex. Turbo, engine swap?, etc). Not a lot but just to a point of understanding cars more. Here are a list of must haves: -Price!! 2-5k please! -0-60 in under 7( preferably stock ) -More than 20 mpg -Cheap insurance ( Old car? Maybe 90's?) -Manual transmission -Aftermarket parts!!! Must have a wide range that are plentiful! And pllllleeeeeaaaseee don't say anything with a 4-cyclinder unless it's truly the best option! I prefer some muscle ;) but not to the point were I'm spending all of my money on gas -.- Other than that, 'nuf said :) Thanks!""

Can I get around paying really high price for Car Insurance being only 19yrs old>?

I am 19, dont want to pay high price for car insurance. My friend said I can do this: find a cheap insurance company for my dad/mum to get insured on the the nice car (e.g. BMW) just them, not have me on it aswell, then find the cheapest car to insure with co-op, with me under my mum or dad, altogether it shouldnt be more than 2k and you I can drive the beemer, as long as the beemer is registered in my dad/mums name. Can somebody tell me if this would actually work or not? Please no philosophical answers or opinions on right or wrong or against the law - I dont give a F**k. Just want to know whether this would work or if anybody else has any ideas 10 September at 23:00

Currently paying for braces no insurance?

If I get dental insurance could I use it to pay the remaining amount of money I have toward the bill? Or is it to late? Also if it is possible what dental insurance should I go with or orphadontist insurance if it makes a difference

Can my friend's parents put me under their car insurance?

i'm 16 years old. i bought a car from a friend. but there's no way in hell my parents will get me car insurance for it. i have spent most of my time at friends house and have gotten really close with their parents. i was wondering if it would be possible for me to ask them and maybe they could put me in their insurance policy or add me as a co-driver or something? or does it NEED to be MY parents? any advice?? i really want to get insured somehow without my parents. i also had an idea of having my friends parents insure the car themselves. and then pay them back and just drive it under their permission all the time so basically its mine but under their insurance. smart idea?? help me out please!!

How much would my insurance cost if self-insured?

im 21, JUST got g2 and live in toronto, ontario my choice of cars is s2k, mazda RX8, and 350z, how much will my insurance be for each? Also, my father works in Apotex, a huge medical company that have insurance packages for employees + their family, how much would my insurance cost if i sign to them?""

""If I get in a car crash and my car is considered totaled, how much would insurance give me?""

Well I have a mustang but the blue book value on it is only like 4K, but I already have like 3k in mods added to it. How do they determine how much they give you? only by the top value of your car? I've heard of people getting more money then there cars were worth, and then they go and buy nicer cars.""

How much would insurance be?

In the next couple months I'll be in the market for a 2006-2008 7series BMW. I'm 17 and this would be my second car. Approximately how much would I be paying a month for the insurance? Thanks in advance.

How much is motorcycle insurance in california?

Im 19 years and im planning on buying a 2012 yamaha r6 as my first bike (no experience) I am going to take a MSF course. Anyways how much would motorcycle insurance cost me?

Where can i buy rebuild-able cars from insurance companies?

I live in the state of Indiana, is there a place where i can buy rebuild-able cars from insurance companies, or from a action place where they are not so expensive?""

What factors can affect the cost of my automobile insurance?

What factors can affect the cost of my automobile insurance?

Advantages and disadvantages to insurance companies choosing to be on price comparison websites?

In a particular country, price comparison websites have just arrived to compare insurance products. Companies are not obliged to have their prices quoted on a price comparison website but if they do a commission is paid on any sales through the website. For motor insurance there are a number of companies supplying insurance. Of these insurance companies, company A has chosen not to be on comparison websites but company B has decided to be on the websites. Explain possible reasons for these companies decisions.""

Where can I find car insurance prices?

I'm doing this project in my class and we chose the procedures if someone was texting and driving and crashes another person. I got car insurance and I need to find out how much it cost for car insurance and all the procedures it will take and how much it will cover for the accident and by how much the insurance is going to raise. I tried looking on google but it keeps saying sending me to cheap insurance. Does anyone know of a good website that can help me. Thanks a lot

For my car insurance I have full coverage. Have a $500 deductible to fix a broken window. Is that normal?

A rock hit my window while I was driving and i have a $500 deductible to fix it. I wanted to see was that really high or normal? I have full coverage. I just want to see how this insurance compares to others. $500 deductible just seemed a bit high. Thanks!

Is my car insurance still valid?

My partner has been banned from driving, he is the first named driver on my car insurance and I am the second driver. Am I still insured to drive my car?""

What do I have to do after buying a car? reg insurance etc?

this might sound stupid but my dad did everything for me when i brought my first car so i have no idea. I know ill have to change the names over to mine, get reg, insurance, pay stamp duty........ anything else ?""

What is the cHEAPEST car insurance???......?

4 a 17 year old

Best maternity insurance?

I was wondering what the best health insurance out there for maternity and child birth is? Right now I have pretty basic health insurance, as I am very healthy and don't need to go to the doctor often, but once I get pregnant (we're going to try in the next year or so) I plan on switching my insurance so that I'm paying the minimum out of pocket for all (or most of) those doctor's visits and labs, etc. What is the best provider/what type of coverage should I be looking for? How much did it cost YOU to have a baby (the actual medical bills) and how much should I expect to pay each month for my premium?""

How much more is sr22?

great now i have to have sr22 for driving someone else's car that had no insurance. how ever i do have insurance and judge says i must pay sr22. i am just wondering how much i have to pay extra? i am with gieco. i am thinking an extra 50 bucks.

How to find cheap insurance for my 318i bmw 1999?

How to find cheap insurance for my 318i bmw 1999?

My medical insurance company ask for homeowner insurance policy?

I fell on my deck, and went through surgery, the total medical expense is about 25K. Now my medical insurance company is asking for homeowner insurance policy. I am not sure how to handle it to avoid any potential cost to me such as deductible or premium increase. Is the medical insurance policy the primary or the homeowner insurance policy for this case? Thanks

Can I still be insured with my mother?

So, my crappy old car just broke down. In the last few months I have managed to save up some money and I have decided to purchase a used car. The car cost about 6000 dollars and I have gotten a 3000 dollar loan in my name to pay the rest of the cost. So I'm trying to get all the paper work done because everything is in my name. My mom already purchased a car so she couldn't' even help my out to get a loan. Before I could even get the car, the bank needs a binding from an insurance company. When I had my old car my mom had me under her insurance because the car was under her name. So I want to know if after I get my insurance on my new car if I will be able to switch it over with my mom. Or will I be able to transfer the old car insurance into the new one. Right now I am planning to get the same insurance she has. Will I always have to have the insurance under my name is it is my car? This is in Massachusetts""

What is the best Life Insurance company?

I'd like to get my mom some life insurance as she just turned 61. I'd like to know the cheapest/legit place to get life insurance for her. Any suggestions?

Whats the average cost of health insurance(+dental)?

I'm 19, female, never had any health problems, and married(dunno if any of that matters haa.) I'll be getting my own plan for the first time, I'm just wondering whats the average cost, what are some good providers to use that aren't too expensive, and does health insurance come with dental or is that a separate thing? Thanks!""

What cars typically have the lowest insurance rates?

I am looking into getting a new car, but am on a limited budget. I only work part time since I am still in school, so low insurance rates are as important as a good deal on the car.""

My car insurance and my driver license will be suspended?

Here is my story . Don't be harsh to me because I know my driving is bad I have been driving with this car for 7 months. I paid premium coverage. I did hit a divider myself and then I claimed my insurance in order to get my car repaired ( this time cost like $3000) After that 3 months, I hit a car in a parking lot. Another driver claimed my insurance and the insurance company paid them $600 to fix their car. After that 2 months, I again hit another car in the parking lot. I renewed my insurance in Jan. Before I paid $800 for 6 months, this time I paid $1900 for 1 year policy. Yesterday , I really hit another car on the road. I claimed my insurance again because the other driver's car really bad and I don't think I can pay off. My questions are : Should I pay deductible in order to get my car repaired because my car bad too and the body shop said It would cost 1k to 1.5k( because of the old damage) Will my license get suspended? Im living in CA and never get any tickets and this accident is the only one has police report? How will my insurance increase? Right now Im so stressed and confused about what Im going to ? Please help.""

How do i know what my car insurance covers?

I recently got into a car accident, just yesterday. There was 3passeners in the car. I, one of the 3. My sister who is 21 was driving the '99 Ford focus. It was not her fault. we were at a four way intersection and had a green light to go. Everyone was stopped besides our light going south &the other going north. An elderly woman on the right hand side who was going to turn, crashed into my side. (The passenger front, as well as the back door.) It is all crashed inward. We then hit a palm tree on the side of the road and landed on top of it. Some yellow/green fluid leaked out. Us 3 passengers in the Ford taurus all went to get checked at the hospital. We are all fine. But now we have no idea what to do with this wrecked car, that has now been towed. The Ford Taurus we were in, only has liability insurance. how will the car be fixed or can it even get fixed? This car accident all took place in Avon park, FL. The car we were in has Insurance from Michigan. Since that is where my father and his girlfriend purchased the car last year. The insurance &everything is under his girlfriends name. So Shes the one who said it only has liability insurance.""

Should I get a full coverage insurance on a rental car?

I have to rent a car for 2 weeks for business. Supposely, the cost should be reimbursed to me by a company after the assingment is done. Not sure if I can truly trust that. But anyway, if I don't get the insurance, it will be $500. But if I get insurance, it is $1200. I am a safe driver and I will be in a rural place. I am trying to convince myself that I don't need it. But then again, I worry about what might happen if accidents occur. The cost of rental car will be reimbursed by a company. But I am not sure if they are actully going to do that in timely manner and my credit card balance is high. I don't want to put extra money charged into my account. My credit card company and auto insurance company (on my own car) told me that they do not have insurance coverage on rental cars. What do you think? Thanks""

Can I get around paying really high price for Car Insurance being only 19yrs old>?

I am 19, dont want to pay high price for car insurance. My friend said I can do this: find a cheap insurance company for my dad/mum to get insured on the the nice car (e.g. BMW) just them, not have me on it aswell, then find the cheapest car to insure with co-op, with me under my mum or dad, altogether it shouldnt be more than 2k and you I can drive the beemer, as long as the beemer is registered in my dad/mums name. Can somebody tell me if this would actually work or not? Please no philosophical answers or opinions on right or wrong or against the law - I dont give a F**k. Just want to know whether this would work or if anybody else has any ideas 10 September at 23:00

https://www.linkedin.com/pulse/what-does-10-20-10-mean-auto-ins-rebecca-horn"

[rwwealth-blog]

Why you shouldn’t make a New Year’s resolution

Why you shouldn’t make a New Year’s resolution

Each year, millions of Americans lose an average of 20 pounds and learn a new language within a few months of making their New Year’s resolutions.

Wait, what? That’s not actually true. I can tell you what really happens: Every January 2, a slew of people show up at my gym and hog the treadmills. It is rather frustrating. Luckily, I know they’ll be gone in a few weeks. That’s because they are part of the 80% of Americans who abandon their resolutions by the second week of February.

There has to be a better way. What if instead, we set goals throughout the year, rather than all at once when the clock strikes midnight? We would be less likely to feel overwhelmed by our commitment to training for a marathon and writing a novel, so we’d have a better chance of getting something done. After doing some research, I found a few other tips to achieve those goals you set.

Be specific. Begin by writing down exactly what you want. We’d all like to be more successful or more fulfilled, but what exactly does that mean to you? Let’s say you’d like to raise your professional visibility. There are a number of ways you can do it, including getting further training that can make you more valuable to clients or your employers or becoming more involved in professional or community organizations. And remember this isn’t a once-a-year activity, since it’s good to set new goals as circumstances change and new opportunities pop up.

   Get even more specific. Once you narrow down your goal, drill down some more. If you wrote down that you want to raise your professional visibility, find out what’s available to you, when classes or activities take place and what you need to do to get involved. It’s easy to put off or forget about a goal such as “taking a class,” but once you find a class that fits your schedule and will truly add something to your professional or personal life, you’re more likely to follow through.

Consider timing. New Year’s resolutions are particularly challenging for CPAs in public practice, because no matter how motivated you are about a fresh start, you’re still looking straight ahead at busy season, with little time for extracurricular activities. Instead of trying to do it all at once, get out your calendar and make a reasonable schedule for following through on various objectives over the course of the year. Prioritize your goals to make sure you focus on what’s most important and that you make the best use of your time. 

Commit. That includes resisting the temptation to give up when getting there takes longer than you expected, or turns out to be much more complicated than you had hoped. Talking about your goals can help, since other people can cheer you on and help motivate you to get through when the going gets tough.

Use these tips and tools whenever you want to reach an important goal, even if it’s in August! When it comes to goal setting for CPAs and CPA firms, there are some great resources available, including the PCPS SMART Goal Planning Grid and Goal Category Checklists. Small firms can also find a wealth of tools that can help them achieve their objectives on the AICPA small firm resources site.

Shelly Guzzetta, Manager- Firm Services, Association of International Certified Professional Accountants

Resolutions courtesy of Shutterstock

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RWWealth.com

https://rwwealth.com/why-you-shouldnt-make-a-new-years-resolution/

[samanthasroberts]

The Fat Jew’s ‘Money Pizza Respect’ is the worst book I’ve ever read

I wish I liked the Fat Jews new book. It would make a far more interesting piece if he exceeded our expectations. No one I talked to expected it to be good. I bet he didnt even write it, said one friend. I bet he had his interns write it.

To contextualize this for people who arent on the Internet all the time, Josh The Fat Jew Ostrovsky became the center of controversy when he was accused of stealing memes and jokes from comedians this summer. Ostrovsky had been doing this for years, and amassed millions of Instagram followers with his admittedly excellent meme aggregating skills. But comedians took a stand when he signed with the talent agency CAA in August.

Upon reading Money Pizza Respect, there is no doubt in my mind that the unfortunately titled book is penned by the Fat Jew himself; I confidently assert that MoneyPizza Respect is singlehandedly the worst book I have ever read.

His actual sense of humorand Im talking about humor, not the memes he aggregatesis painfully abject. He relies on a Tucker Max-esque style of storytelling, glorifying cocaine and alcohol abuse and fucking his groupies, who all embody a different type of crazy girl stereotype.

In a chapter ironically titled The Eleven Commandments of Not Being the Worst Person Ever, he warns readers that if you aggressively and frequently talk about your sex life, people will think youre gay. When you tell me that you tackled a slam pig and stuffed her axe wound, he writes, I assume that your actual goal is having anal sex with men. Ostrovsky makes sure to note that the only exception to this rule is Dan Bilzerian, who has literally thrown a woman off his roof, breaking her foot, and been accused of kicking another woman in the face.

Money Pizza Respect is laced with homophobic comments. He writes a note to P. Diddy: Sorry for outing you as a homosexual. Im pretty sure you are, but Im sorry. Theres also a healthy dose of sexism, describing his female groupies as a bunch of fours and fives who have giant lady hands hate their dads. To complete the trifecta, he also manages to be transphobic, referring to transgender women as trannies in a chapter chronicling his brothers bachelor party. (When his brother and friends found out the strippers who were giving them lap dances were trans, they left the club immediately.)

Before I met Ostrovsky, I was confused about how he was so successful, especially after reading his book, where he brags about his selfish and generally gross behavior at every possible moment, proudly displays pictures of him wearing a thong made out of beef jerky, and writes things like, Cocaine is the greatest gift the world has ever seen.

When I sat down with him at a press junket, located at an arcade in Chinatown, I immediately understood why hes garnered so much success. He is unfortunately charming and is actually a naturally funny person. Hes like the cool, mean boy in 8th grade, the type who introduced pot to all your friends and made fun of girls for being ugly or not having boobs yet. The type who definitely bullied me, and yet I tirelessly tried to gain his affection.

During our interview, Ostrovsky remained on the defensive, masterful at answering my questions with non-answers. He is somebody who has never taken life seriously, which is perhaps not too difficult for a straight, white, affluent male. He is fundamentally interested in his conception of fun, and hopes youll join him for the ride. If not, fuck off.

Its not that I began to like Ostrovsky or his book any more after meeting him, but I went from hating him to feeling an iota of pity for him. His flamboyant and unapologetic immaturity, his bratty affect: This is what has brought him success, and what I imagine will be his inevitable downfall.

So my approach for this interview, because I know a lot of people have been shitting on you, is to not shit on you.

No ones been shitting on me.

I was curious about how that affected you emotionally, and how you felt about getting blasted by the media.

It was definitely a shitty situation. Im of the Internet, so its like a lot of people screaming about things. I respect trolling. I respect people screaming at one another, which is why the Internet is so fucking great. I definitely didnt take it personally. It was also something that needed to get talked about. People were not on the same page. Like a 38-year-old comedy writer and a 16-year-old Filipino millennial were not seeing the issue the same way.

I try to look at it like I was the face of the whole thing. I mean the Internet is a giant, lawless fuckin thing. Sometimes we need some rules But not too many. Because that would be weird. No parents. But you know, sometimes people get pissed. I obviously see it from the 16-year-old Filipino millennial side. I dont look for credit on my stuff and I dont ever watermark or anything like that, but I also get the other side too. Im old enough to understand both sides. I just want everyone to be happy so were fuckin partying.

Instagram for fucking photos of dogs playing volleyball in sunglasses and iguanas surfing. I just want to have everyone get heard, fix the problem, and then get back to surfing iguanas. It didnt rock me emotionally because I just saw it as something that needed to be discussed. It definitely got dangerous and exciting at some points. People just get so crazy, theres a portion of people who dont even know what theyre screaming about. I got chased by TMZ. Some guy followed me around a Duane Reade recording my phone call. That was tight.

You liked that?

I kinda felt like Leo , for like a second. It was also scary. No one wants that life. I was trying to look at it like this is a conversation that needed to be had. I didnt look at it as being shit on. The Internet is more important to me than my family or anything. I would love to be with the Internet, have sex with the Internet, I love the Internet. Now its a better place.

Why was it important for you to celebrate drugs, specifically cocaine, in your book?

Its a mixed bag. I refer to it as the best and worst thing ever. Part of the ethos of this book is that its a how-to guide in that its like I dont know what you should be doing but I know what you shouldnt be doing. Ive seen every horrible thing. I basically think you read this book and you dont do coke. Because youre like, its gonna make me unbearable. Like my breath is gonna smell like a diaper and get into a super intense conversation about stuff I dont even care about.

I think it depends on how old the reader is. For me, Ive done coke so I understood more where you were coming from in that it can be great and terrible at the same time. From a teenagers standpoint, it might just look really cool.

It depends. Im pretty explicit that its been responsible for the greatest things that ever happened, but also some of the most horrendous things, too. I think its more self-reflective than it is encouraging.

Your book is provocative is many ways. People are going to interpret some of the content as transphobic and homophobic. I was thinking of the chapter where you refer to trans women as trannies.

I dont know what youre specifically referring to.

You wrote about tranny strippers. Thats a contentious word. Many trans people have spoken out about how hurtful they find that term to be. I was curious about how you would respond to those critics.

is a factual account of what happened. Youre talking about an actual pejorative word?

Yeah. Its a slur. There were a bunch of moments in the book where I read something and immediately thought about how angry it would make social justice activists on the Internet.

Social justice people are angry at everything.

I was wondering if you included some things specifically to be provocative.

No, definitely not. First of all, any social justice person can come at me at any time. I literally have more transgender friends who will vouch for me than anyone. They self-identify as trannies. Ask a transgender who is not a nerd from the Internet how they identify, and I bet you will find hundreds who identify as trannies.

I know transgender folks who identify that way. Its like the N-word. If they call themselves that, its OK. But having a cis person is a different story.

Any person who would find offense in that kind of minutia is not someone who should be reading this book.

Its not your audience, thats probably true.

That shouldnt be anyones audience, as far Im concerned.

As I was reading your book, I was thinking about your crazy drug and sex stories as they relate to Tucker Maxs stories from I Hope They Serve Beer in Hell. Was he somebody who influenced you?

No, thats like bro culture stuff. This is completely different.

Tonally, there were similarities.

Ive never read it, but I also think that in terms of this book, like Ive been living performance art long enough to write a book full of debaucherous stories, but I wanted to go with more pathos, truth. From what I understand from Tucker Maxs stuff, he doesnt really go into too much stuff like that. Not all the stories here are particularly turnt up, as far as Im concerned. There are some that are honest family stories, not every story is about partying.

But a lot of them are.

We can go through it When I was writing it, putting in some emotion and truth, and some real feeling on it, like talking about my mom having sex with Shel Silverstein and being a 9-year-old child actor diva. Shit like that, to me, that is not the same as walking around a bar with a breathalyzer . I dont not relate to it, but Ive never read any of his stuff.

Ostrovsky as a child actor Josh Ostrovsky

Do you differentiate between the Fat Jew as your performative character and yourself as Josh?

No. I dont go home at night and unscrew the hairection , sit down, and listen to This American Life and be like, Oh, what a hard day at work! Being the Fat Jew! No, its all one in the same. To me, that would be disingenuous. I was doing this stuff long before there was anywhere to share it, long before anyone knew about it. Ten years ago, people in New York would be like, Oh thats the Fat Jew, the guy who does crazy stuff. It wasnt something I created and cultivated in order to share on social media for the masses.

But this is your career, this is your passion, but a lot of artists and actors differentiate between their performative self, which is still their self, and who they are when theyre not performing.

Im not an artist or an actor. Im neither.

How do you identify?

Im the only one whos really just going for it. Im genuinely making it up as I go along. I could start a ros company and that could become a real thing. Im about to do the worlds first EDM cologne.

What is that gonna smell like?

I dont know. Thats a good question. Like I dont even know what that means but Im gonna do it. Its 2015. Anything is possible. The world is so ridiculous at this point. I might open a yoga ashram in Toronto. Who knows? Im one of the only people who doesnt consider anything on or off limits. I dont think that it can be defined. We have this human need to compartmentalize, to be like, What are you? But I dont know.

I guess its my job to say, as a writer trying to make sense of what you do.

I dont think theres anything to make sense of. I dont know. What do you think I do?

I think youre a content creator and performer.

Thats vague. But yeah. Im not not. But thats what Im saying. I like to keep people guessing, keep people off kilter. If people think Im a comedian, I will move in a totally different direction and start making cologne. I wanna make people go, What the fuck? Keeping people guessing, keeping genuine conversation going about me, whether its, I dont want to say the word negative, but whatever its gonna be, thats what I am. A conversation starter? I dont know.

Tastemaker?

Conversation piece? Idiot? All of the above?

Whats your goal with your book? Why do you do what you do? Aside from the fact that you just want to do it.

The end goal with the book is that I think I can get some turnt-up 18-year-old to read. Thats the challenge, like, can you get fuckin some kids to read and think its really fuckin chill? Is that doable? Ill literally do it just for that.

Were doing reading raves to promote the book. IRL is what the programs called. Its just like huge DJs and books. Like, can you make them read? I think its doable. I dont think publishing knows how to do it. I dont think parents know how to do it.

So you want to make reading cool?

Kind of. What if Im somehow the guy to do it?

What are your favorite books?

I love Shel Silverstein, and not only because my mom fucked him. Mostly, Im the type to read 100 listicles. Like, what kind of bagel is Rihanna? You know what I mean? One-hundred times Rihanna ate fruit. Im not reading enough books.

No ones reading enough books.

Maybe now? That would fucking weird. To get a fucking 17-year-old whos over it to sit down and read an entire book? I mean I put in some stuff to break up the chapters, like you can color in a picture of Tyrese. I mean, I dont want you to have to read too much.

Illustration by Max Fleishman

Popular on The Daily Dot

I went to the Rentboy liquidation sale, and all I got was this amazing escort swag

After a massive federal raid, Rentboy had to sell its entire office on Craigslist to pay its lawyers.

By Mary Emily O'Hara — November 02, 2015

Source: http://allofbeer.com/2017/09/19/the-fat-jewaes-money-pizza-respect-is-the-worst-book-iaeve-ever-read/

from All of Beer https://allofbeer.wordpress.com/2017/09/19/the-fat-jewaes-money-pizza-respect-is-the-worst-book-iaeve-ever-read/

[adambstingus]

The Fat Jew’s ‘Money Pizza Respect’ is the worst book I’ve ever read

I wish I liked the Fat Jews new book. It would make a far more interesting piece if he exceeded our expectations. No one I talked to expected it to be good. I bet he didnt even write it, said one friend. I bet he had his interns write it.

To contextualize this for people who arent on the Internet all the time, Josh The Fat Jew Ostrovsky became the center of controversy when he was accused of stealing memes and jokes from comedians this summer. Ostrovsky had been doing this for years, and amassed millions of Instagram followers with his admittedly excellent meme aggregating skills. But comedians took a stand when he signed with the talent agency CAA in August.

Upon reading Money Pizza Respect, there is no doubt in my mind that the unfortunately titled book is penned by the Fat Jew himself; I confidently assert that MoneyPizza Respect is singlehandedly the worst book I have ever read.

His actual sense of humorand Im talking about humor, not the memes he aggregatesis painfully abject. He relies on a Tucker Max-esque style of storytelling, glorifying cocaine and alcohol abuse and fucking his groupies, who all embody a different type of crazy girl stereotype.

In a chapter ironically titled The Eleven Commandments of Not Being the Worst Person Ever, he warns readers that if you aggressively and frequently talk about your sex life, people will think youre gay. When you tell me that you tackled a slam pig and stuffed her axe wound, he writes, I assume that your actual goal is having anal sex with men. Ostrovsky makes sure to note that the only exception to this rule is Dan Bilzerian, who has literally thrown a woman off his roof, breaking her foot, and been accused of kicking another woman in the face.

Money Pizza Respect is laced with homophobic comments. He writes a note to P. Diddy: Sorry for outing you as a homosexual. Im pretty sure you are, but Im sorry. Theres also a healthy dose of sexism, describing his female groupies as a bunch of fours and fives who have giant lady hands hate their dads. To complete the trifecta, he also manages to be transphobic, referring to transgender women as trannies in a chapter chronicling his brothers bachelor party. (When his brother and friends found out the strippers who were giving them lap dances were trans, they left the club immediately.)

Before I met Ostrovsky, I was confused about how he was so successful, especially after reading his book, where he brags about his selfish and generally gross behavior at every possible moment, proudly displays pictures of him wearing a thong made out of beef jerky, and writes things like, Cocaine is the greatest gift the world has ever seen.

When I sat down with him at a press junket, located at an arcade in Chinatown, I immediately understood why hes garnered so much success. He is unfortunately charming and is actually a naturally funny person. Hes like the cool, mean boy in 8th grade, the type who introduced pot to all your friends and made fun of girls for being ugly or not having boobs yet. The type who definitely bullied me, and yet I tirelessly tried to gain his affection.

During our interview, Ostrovsky remained on the defensive, masterful at answering my questions with non-answers. He is somebody who has never taken life seriously, which is perhaps not too difficult for a straight, white, affluent male. He is fundamentally interested in his conception of fun, and hopes youll join him for the ride. If not, fuck off.

Its not that I began to like Ostrovsky or his book any more after meeting him, but I went from hating him to feeling an iota of pity for him. His flamboyant and unapologetic immaturity, his bratty affect: This is what has brought him success, and what I imagine will be his inevitable downfall.

So my approach for this interview, because I know a lot of people have been shitting on you, is to not shit on you.

No ones been shitting on me.

I was curious about how that affected you emotionally, and how you felt about getting blasted by the media.

It was definitely a shitty situation. Im of the Internet, so its like a lot of people screaming about things. I respect trolling. I respect people screaming at one another, which is why the Internet is so fucking great. I definitely didnt take it personally. It was also something that needed to get talked about. People were not on the same page. Like a 38-year-old comedy writer and a 16-year-old Filipino millennial were not seeing the issue the same way.

I try to look at it like I was the face of the whole thing. I mean the Internet is a giant, lawless fuckin thing. Sometimes we need some rules But not too many. Because that would be weird. No parents. But you know, sometimes people get pissed. I obviously see it from the 16-year-old Filipino millennial side. I dont look for credit on my stuff and I dont ever watermark or anything like that, but I also get the other side too. Im old enough to understand both sides. I just want everyone to be happy so were fuckin partying.

Instagram for fucking photos of dogs playing volleyball in sunglasses and iguanas surfing. I just want to have everyone get heard, fix the problem, and then get back to surfing iguanas. It didnt rock me emotionally because I just saw it as something that needed to be discussed. It definitely got dangerous and exciting at some points. People just get so crazy, theres a portion of people who dont even know what theyre screaming about. I got chased by TMZ. Some guy followed me around a Duane Reade recording my phone call. That was tight.

You liked that?

I kinda felt like Leo , for like a second. It was also scary. No one wants that life. I was trying to look at it like this is a conversation that needed to be had. I didnt look at it as being shit on. The Internet is more important to me than my family or anything. I would love to be with the Internet, have sex with the Internet, I love the Internet. Now its a better place.

Why was it important for you to celebrate drugs, specifically cocaine, in your book?

Its a mixed bag. I refer to it as the best and worst thing ever. Part of the ethos of this book is that its a how-to guide in that its like I dont know what you should be doing but I know what you shouldnt be doing. Ive seen every horrible thing. I basically think you read this book and you dont do coke. Because youre like, its gonna make me unbearable. Like my breath is gonna smell like a diaper and get into a super intense conversation about stuff I dont even care about.

I think it depends on how old the reader is. For me, Ive done coke so I understood more where you were coming from in that it can be great and terrible at the same time. From a teenagers standpoint, it might just look really cool.

It depends. Im pretty explicit that its been responsible for the greatest things that ever happened, but also some of the most horrendous things, too. I think its more self-reflective than it is encouraging.

Your book is provocative is many ways. People are going to interpret some of the content as transphobic and homophobic. I was thinking of the chapter where you refer to trans women as trannies.

I dont know what youre specifically referring to.

You wrote about tranny strippers. Thats a contentious word. Many trans people have spoken out about how hurtful they find that term to be. I was curious about how you would respond to those critics.

is a factual account of what happened. Youre talking about an actual pejorative word?

Yeah. Its a slur. There were a bunch of moments in the book where I read something and immediately thought about how angry it would make social justice activists on the Internet.

Social justice people are angry at everything.

I was wondering if you included some things specifically to be provocative.

No, definitely not. First of all, any social justice person can come at me at any time. I literally have more transgender friends who will vouch for me than anyone. They self-identify as trannies. Ask a transgender who is not a nerd from the Internet how they identify, and I bet you will find hundreds who identify as trannies.

I know transgender folks who identify that way. Its like the N-word. If they call themselves that, its OK. But having a cis person is a different story.

Any person who would find offense in that kind of minutia is not someone who should be reading this book.

Its not your audience, thats probably true.

That shouldnt be anyones audience, as far Im concerned.

As I was reading your book, I was thinking about your crazy drug and sex stories as they relate to Tucker Maxs stories from I Hope They Serve Beer in Hell. Was he somebody who influenced you?

No, thats like bro culture stuff. This is completely different.

Tonally, there were similarities.

Ive never read it, but I also think that in terms of this book, like Ive been living performance art long enough to write a book full of debaucherous stories, but I wanted to go with more pathos, truth. From what I understand from Tucker Maxs stuff, he doesnt really go into too much stuff like that. Not all the stories here are particularly turnt up, as far as Im concerned. There are some that are honest family stories, not every story is about partying.

But a lot of them are.

We can go through it When I was writing it, putting in some emotion and truth, and some real feeling on it, like talking about my mom having sex with Shel Silverstein and being a 9-year-old child actor diva. Shit like that, to me, that is not the same as walking around a bar with a breathalyzer . I dont not relate to it, but Ive never read any of his stuff.

Ostrovsky as a child actor Josh Ostrovsky

Do you differentiate between the Fat Jew as your performative character and yourself as Josh?

No. I dont go home at night and unscrew the hairection , sit down, and listen to This American Life and be like, Oh, what a hard day at work! Being the Fat Jew! No, its all one in the same. To me, that would be disingenuous. I was doing this stuff long before there was anywhere to share it, long before anyone knew about it. Ten years ago, people in New York would be like, Oh thats the Fat Jew, the guy who does crazy stuff. It wasnt something I created and cultivated in order to share on social media for the masses.

But this is your career, this is your passion, but a lot of artists and actors differentiate between their performative self, which is still their self, and who they are when theyre not performing.

Im not an artist or an actor. Im neither.

How do you identify?

Im the only one whos really just going for it. Im genuinely making it up as I go along. I could start a ros company and that could become a real thing. Im about to do the worlds first EDM cologne.

What is that gonna smell like?

I dont know. Thats a good question. Like I dont even know what that means but Im gonna do it. Its 2015. Anything is possible. The world is so ridiculous at this point. I might open a yoga ashram in Toronto. Who knows? Im one of the only people who doesnt consider anything on or off limits. I dont think that it can be defined. We have this human need to compartmentalize, to be like, What are you? But I dont know.

I guess its my job to say, as a writer trying to make sense of what you do.

I dont think theres anything to make sense of. I dont know. What do you think I do?

I think youre a content creator and performer.

Thats vague. But yeah. Im not not. But thats what Im saying. I like to keep people guessing, keep people off kilter. If people think Im a comedian, I will move in a totally different direction and start making cologne. I wanna make people go, What the fuck? Keeping people guessing, keeping genuine conversation going about me, whether its, I dont want to say the word negative, but whatever its gonna be, thats what I am. A conversation starter? I dont know.

Tastemaker?

Conversation piece? Idiot? All of the above?

Whats your goal with your book? Why do you do what you do? Aside from the fact that you just want to do it.

The end goal with the book is that I think I can get some turnt-up 18-year-old to read. Thats the challenge, like, can you get fuckin some kids to read and think its really fuckin chill? Is that doable? Ill literally do it just for that.

Were doing reading raves to promote the book. IRL is what the programs called. Its just like huge DJs and books. Like, can you make them read? I think its doable. I dont think publishing knows how to do it. I dont think parents know how to do it.

So you want to make reading cool?

Kind of. What if Im somehow the guy to do it?

What are your favorite books?

I love Shel Silverstein, and not only because my mom fucked him. Mostly, Im the type to read 100 listicles. Like, what kind of bagel is Rihanna? You know what I mean? One-hundred times Rihanna ate fruit. Im not reading enough books.

No ones reading enough books.

Maybe now? That would fucking weird. To get a fucking 17-year-old whos over it to sit down and read an entire book? I mean I put in some stuff to break up the chapters, like you can color in a picture of Tyrese. I mean, I dont want you to have to read too much.

Illustration by Max Fleishman

Popular on The Daily Dot

I went to the Rentboy liquidation sale, and all I got was this amazing escort swag

After a massive federal raid, Rentboy had to sell its entire office on Craigslist to pay its lawyers.

By Mary Emily O'Hara — November 02, 2015

from All Of Beer http://allofbeer.com/2017/09/19/the-fat-jewaes-money-pizza-respect-is-the-worst-book-iaeve-ever-read/ from All of Beer https://allofbeercom.tumblr.com/post/165493432272

[allofbeercom]

The Fat Jew’s ‘Money Pizza Respect’ is the worst book I’ve ever read

I wish I liked the Fat Jews new book. It would make a far more interesting piece if he exceeded our expectations. No one I talked to expected it to be good. I bet he didnt even write it, said one friend. I bet he had his interns write it.

To contextualize this for people who arent on the Internet all the time, Josh The Fat Jew Ostrovsky became the center of controversy when he was accused of stealing memes and jokes from comedians this summer. Ostrovsky had been doing this for years, and amassed millions of Instagram followers with his admittedly excellent meme aggregating skills. But comedians took a stand when he signed with the talent agency CAA in August.

Upon reading Money Pizza Respect, there is no doubt in my mind that the unfortunately titled book is penned by the Fat Jew himself; I confidently assert that MoneyPizza Respect is singlehandedly the worst book I have ever read.

His actual sense of humorand Im talking about humor, not the memes he aggregatesis painfully abject. He relies on a Tucker Max-esque style of storytelling, glorifying cocaine and alcohol abuse and fucking his groupies, who all embody a different type of crazy girl stereotype.

In a chapter ironically titled The Eleven Commandments of Not Being the Worst Person Ever, he warns readers that if you aggressively and frequently talk about your sex life, people will think youre gay. When you tell me that you tackled a slam pig and stuffed her axe wound, he writes, I assume that your actual goal is having anal sex with men. Ostrovsky makes sure to note that the only exception to this rule is Dan Bilzerian, who has literally thrown a woman off his roof, breaking her foot, and been accused of kicking another woman in the face.

Money Pizza Respect is laced with homophobic comments. He writes a note to P. Diddy: Sorry for outing you as a homosexual. Im pretty sure you are, but Im sorry. Theres also a healthy dose of sexism, describing his female groupies as a bunch of fours and fives who have giant lady hands hate their dads. To complete the trifecta, he also manages to be transphobic, referring to transgender women as trannies in a chapter chronicling his brothers bachelor party. (When his brother and friends found out the strippers who were giving them lap dances were trans, they left the club immediately.)

Before I met Ostrovsky, I was confused about how he was so successful, especially after reading his book, where he brags about his selfish and generally gross behavior at every possible moment, proudly displays pictures of him wearing a thong made out of beef jerky, and writes things like, Cocaine is the greatest gift the world has ever seen.

When I sat down with him at a press junket, located at an arcade in Chinatown, I immediately understood why hes garnered so much success. He is unfortunately charming and is actually a naturally funny person. Hes like the cool, mean boy in 8th grade, the type who introduced pot to all your friends and made fun of girls for being ugly or not having boobs yet. The type who definitely bullied me, and yet I tirelessly tried to gain his affection.

During our interview, Ostrovsky remained on the defensive, masterful at answering my questions with non-answers. He is somebody who has never taken life seriously, which is perhaps not too difficult for a straight, white, affluent male. He is fundamentally interested in his conception of fun, and hopes youll join him for the ride. If not, fuck off.

Its not that I began to like Ostrovsky or his book any more after meeting him, but I went from hating him to feeling an iota of pity for him. His flamboyant and unapologetic immaturity, his bratty affect: This is what has brought him success, and what I imagine will be his inevitable downfall.

So my approach for this interview, because I know a lot of people have been shitting on you, is to not shit on you.

No ones been shitting on me.

I was curious about how that affected you emotionally, and how you felt about getting blasted by the media.

It was definitely a shitty situation. Im of the Internet, so its like a lot of people screaming about things. I respect trolling. I respect people screaming at one another, which is why the Internet is so fucking great. I definitely didnt take it personally. It was also something that needed to get talked about. People were not on the same page. Like a 38-year-old comedy writer and a 16-year-old Filipino millennial were not seeing the issue the same way.

I try to look at it like I was the face of the whole thing. I mean the Internet is a giant, lawless fuckin thing. Sometimes we need some rules But not too many. Because that would be weird. No parents. But you know, sometimes people get pissed. I obviously see it from the 16-year-old Filipino millennial side. I dont look for credit on my stuff and I dont ever watermark or anything like that, but I also get the other side too. Im old enough to understand both sides. I just want everyone to be happy so were fuckin partying.

Instagram for fucking photos of dogs playing volleyball in sunglasses and iguanas surfing. I just want to have everyone get heard, fix the problem, and then get back to surfing iguanas. It didnt rock me emotionally because I just saw it as something that needed to be discussed. It definitely got dangerous and exciting at some points. People just get so crazy, theres a portion of people who dont even know what theyre screaming about. I got chased by TMZ. Some guy followed me around a Duane Reade recording my phone call. That was tight.

You liked that?

I kinda felt like Leo , for like a second. It was also scary. No one wants that life. I was trying to look at it like this is a conversation that needed to be had. I didnt look at it as being shit on. The Internet is more important to me than my family or anything. I would love to be with the Internet, have sex with the Internet, I love the Internet. Now its a better place.

Why was it important for you to celebrate drugs, specifically cocaine, in your book?

Its a mixed bag. I refer to it as the best and worst thing ever. Part of the ethos of this book is that its a how-to guide in that its like I dont know what you should be doing but I know what you shouldnt be doing. Ive seen every horrible thing. I basically think you read this book and you dont do coke. Because youre like, its gonna make me unbearable. Like my breath is gonna smell like a diaper and get into a super intense conversation about stuff I dont even care about.

I think it depends on how old the reader is. For me, Ive done coke so I understood more where you were coming from in that it can be great and terrible at the same time. From a teenagers standpoint, it might just look really cool.

It depends. Im pretty explicit that its been responsible for the greatest things that ever happened, but also some of the most horrendous things, too. I think its more self-reflective than it is encouraging.

Your book is provocative is many ways. People are going to interpret some of the content as transphobic and homophobic. I was thinking of the chapter where you refer to trans women as trannies.

I dont know what youre specifically referring to.

You wrote about tranny strippers. Thats a contentious word. Many trans people have spoken out about how hurtful they find that term to be. I was curious about how you would respond to those critics.

is a factual account of what happened. Youre talking about an actual pejorative word?

Yeah. Its a slur. There were a bunch of moments in the book where I read something and immediately thought about how angry it would make social justice activists on the Internet.

Social justice people are angry at everything.

I was wondering if you included some things specifically to be provocative.

No, definitely not. First of all, any social justice person can come at me at any time. I literally have more transgender friends who will vouch for me than anyone. They self-identify as trannies. Ask a transgender who is not a nerd from the Internet how they identify, and I bet you will find hundreds who identify as trannies.

I know transgender folks who identify that way. Its like the N-word. If they call themselves that, its OK. But having a cis person is a different story.

Any person who would find offense in that kind of minutia is not someone who should be reading this book.

Its not your audience, thats probably true.

That shouldnt be anyones audience, as far Im concerned.

As I was reading your book, I was thinking about your crazy drug and sex stories as they relate to Tucker Maxs stories from I Hope They Serve Beer in Hell. Was he somebody who influenced you?

No, thats like bro culture stuff. This is completely different.

Tonally, there were similarities.

Ive never read it, but I also think that in terms of this book, like Ive been living performance art long enough to write a book full of debaucherous stories, but I wanted to go with more pathos, truth. From what I understand from Tucker Maxs stuff, he doesnt really go into too much stuff like that. Not all the stories here are particularly turnt up, as far as Im concerned. There are some that are honest family stories, not every story is about partying.

But a lot of them are.

We can go through it When I was writing it, putting in some emotion and truth, and some real feeling on it, like talking about my mom having sex with Shel Silverstein and being a 9-year-old child actor diva. Shit like that, to me, that is not the same as walking around a bar with a breathalyzer . I dont not relate to it, but Ive never read any of his stuff.

Ostrovsky as a child actor Josh Ostrovsky

Do you differentiate between the Fat Jew as your performative character and yourself as Josh?

No. I dont go home at night and unscrew the hairection , sit down, and listen to This American Life and be like, Oh, what a hard day at work! Being the Fat Jew! No, its all one in the same. To me, that would be disingenuous. I was doing this stuff long before there was anywhere to share it, long before anyone knew about it. Ten years ago, people in New York would be like, Oh thats the Fat Jew, the guy who does crazy stuff. It wasnt something I created and cultivated in order to share on social media for the masses.

But this is your career, this is your passion, but a lot of artists and actors differentiate between their performative self, which is still their self, and who they are when theyre not performing.

Im not an artist or an actor. Im neither.

How do you identify?

Im the only one whos really just going for it. Im genuinely making it up as I go along. I could start a ros company and that could become a real thing. Im about to do the worlds first EDM cologne.

What is that gonna smell like?

I dont know. Thats a good question. Like I dont even know what that means but Im gonna do it. Its 2015. Anything is possible. The world is so ridiculous at this point. I might open a yoga ashram in Toronto. Who knows? Im one of the only people who doesnt consider anything on or off limits. I dont think that it can be defined. We have this human need to compartmentalize, to be like, What are you? But I dont know.

I guess its my job to say, as a writer trying to make sense of what you do.

I dont think theres anything to make sense of. I dont know. What do you think I do?

I think youre a content creator and performer.

Thats vague. But yeah. Im not not. But thats what Im saying. I like to keep people guessing, keep people off kilter. If people think Im a comedian, I will move in a totally different direction and start making cologne. I wanna make people go, What the fuck? Keeping people guessing, keeping genuine conversation going about me, whether its, I dont want to say the word negative, but whatever its gonna be, thats what I am. A conversation starter? I dont know.

Tastemaker?

Conversation piece? Idiot? All of the above?

Whats your goal with your book? Why do you do what you do? Aside from the fact that you just want to do it.

The end goal with the book is that I think I can get some turnt-up 18-year-old to read. Thats the challenge, like, can you get fuckin some kids to read and think its really fuckin chill? Is that doable? Ill literally do it just for that.

Were doing reading raves to promote the book. IRL is what the programs called. Its just like huge DJs and books. Like, can you make them read? I think its doable. I dont think publishing knows how to do it. I dont think parents know how to do it.

So you want to make reading cool?

Kind of. What if Im somehow the guy to do it?

What are your favorite books?

I love Shel Silverstein, and not only because my mom fucked him. Mostly, Im the type to read 100 listicles. Like, what kind of bagel is Rihanna? You know what I mean? One-hundred times Rihanna ate fruit. Im not reading enough books.

No ones reading enough books.

Maybe now? That would fucking weird. To get a fucking 17-year-old whos over it to sit down and read an entire book? I mean I put in some stuff to break up the chapters, like you can color in a picture of Tyrese. I mean, I dont want you to have to read too much.

Illustration by Max Fleishman

Popular on The Daily Dot

I went to the Rentboy liquidation sale, and all I got was this amazing escort swag

After a massive federal raid, Rentboy had to sell its entire office on Craigslist to pay its lawyers.

By Mary Emily O'Hara — November 02, 2015

from All Of Beer http://allofbeer.com/2017/09/19/the-fat-jewaes-money-pizza-respect-is-the-worst-book-iaeve-ever-read/

[jimdsmith34]

The Fat Jew’s ‘Money Pizza Respect’ is the worst book I’ve ever read

I wish I liked the Fat Jews new book. It would make a far more interesting piece if he exceeded our expectations. No one I talked to expected it to be good. I bet he didnt even write it, said one friend. I bet he had his interns write it.

To contextualize this for people who arent on the Internet all the time, Josh The Fat Jew Ostrovsky became the center of controversy when he was accused of stealing memes and jokes from comedians this summer. Ostrovsky had been doing this for years, and amassed millions of Instagram followers with his admittedly excellent meme aggregating skills. But comedians took a stand when he signed with the talent agency CAA in August.

Upon reading Money Pizza Respect, there is no doubt in my mind that the unfortunately titled book is penned by the Fat Jew himself; I confidently assert that MoneyPizza Respect is singlehandedly the worst book I have ever read.

His actual sense of humorand Im talking about humor, not the memes he aggregatesis painfully abject. He relies on a Tucker Max-esque style of storytelling, glorifying cocaine and alcohol abuse and fucking his groupies, who all embody a different type of crazy girl stereotype.

In a chapter ironically titled The Eleven Commandments of Not Being the Worst Person Ever, he warns readers that if you aggressively and frequently talk about your sex life, people will think youre gay. When you tell me that you tackled a slam pig and stuffed her axe wound, he writes, I assume that your actual goal is having anal sex with men. Ostrovsky makes sure to note that the only exception to this rule is Dan Bilzerian, who has literally thrown a woman off his roof, breaking her foot, and been accused of kicking another woman in the face.

Money Pizza Respect is laced with homophobic comments. He writes a note to P. Diddy: Sorry for outing you as a homosexual. Im pretty sure you are, but Im sorry. Theres also a healthy dose of sexism, describing his female groupies as a bunch of fours and fives who have giant lady hands hate their dads. To complete the trifecta, he also manages to be transphobic, referring to transgender women as trannies in a chapter chronicling his brothers bachelor party. (When his brother and friends found out the strippers who were giving them lap dances were trans, they left the club immediately.)

Before I met Ostrovsky, I was confused about how he was so successful, especially after reading his book, where he brags about his selfish and generally gross behavior at every possible moment, proudly displays pictures of him wearing a thong made out of beef jerky, and writes things like, Cocaine is the greatest gift the world has ever seen.

When I sat down with him at a press junket, located at an arcade in Chinatown, I immediately understood why hes garnered so much success. He is unfortunately charming and is actually a naturally funny person. Hes like the cool, mean boy in 8th grade, the type who introduced pot to all your friends and made fun of girls for being ugly or not having boobs yet. The type who definitely bullied me, and yet I tirelessly tried to gain his affection.

During our interview, Ostrovsky remained on the defensive, masterful at answering my questions with non-answers. He is somebody who has never taken life seriously, which is perhaps not too difficult for a straight, white, affluent male. He is fundamentally interested in his conception of fun, and hopes youll join him for the ride. If not, fuck off.

Its not that I began to like Ostrovsky or his book any more after meeting him, but I went from hating him to feeling an iota of pity for him. His flamboyant and unapologetic immaturity, his bratty affect: This is what has brought him success, and what I imagine will be his inevitable downfall.

So my approach for this interview, because I know a lot of people have been shitting on you, is to not shit on you.

No ones been shitting on me.

I was curious about how that affected you emotionally, and how you felt about getting blasted by the media.

It was definitely a shitty situation. Im of the Internet, so its like a lot of people screaming about things. I respect trolling. I respect people screaming at one another, which is why the Internet is so fucking great. I definitely didnt take it personally. It was also something that needed to get talked about. People were not on the same page. Like a 38-year-old comedy writer and a 16-year-old Filipino millennial were not seeing the issue the same way.

I try to look at it like I was the face of the whole thing. I mean the Internet is a giant, lawless fuckin thing. Sometimes we need some rules But not too many. Because that would be weird. No parents. But you know, sometimes people get pissed. I obviously see it from the 16-year-old Filipino millennial side. I dont look for credit on my stuff and I dont ever watermark or anything like that, but I also get the other side too. Im old enough to understand both sides. I just want everyone to be happy so were fuckin partying.

Instagram for fucking photos of dogs playing volleyball in sunglasses and iguanas surfing. I just want to have everyone get heard, fix the problem, and then get back to surfing iguanas. It didnt rock me emotionally because I just saw it as something that needed to be discussed. It definitely got dangerous and exciting at some points. People just get so crazy, theres a portion of people who dont even know what theyre screaming about. I got chased by TMZ. Some guy followed me around a Duane Reade recording my phone call. That was tight.

You liked that?

I kinda felt like Leo , for like a second. It was also scary. No one wants that life. I was trying to look at it like this is a conversation that needed to be had. I didnt look at it as being shit on. The Internet is more important to me than my family or anything. I would love to be with the Internet, have sex with the Internet, I love the Internet. Now its a better place.

Why was it important for you to celebrate drugs, specifically cocaine, in your book?

Its a mixed bag. I refer to it as the best and worst thing ever. Part of the ethos of this book is that its a how-to guide in that its like I dont know what you should be doing but I know what you shouldnt be doing. Ive seen every horrible thing. I basically think you read this book and you dont do coke. Because youre like, its gonna make me unbearable. Like my breath is gonna smell like a diaper and get into a super intense conversation about stuff I dont even care about.

I think it depends on how old the reader is. For me, Ive done coke so I understood more where you were coming from in that it can be great and terrible at the same time. From a teenagers standpoint, it might just look really cool.

It depends. Im pretty explicit that its been responsible for the greatest things that ever happened, but also some of the most horrendous things, too. I think its more self-reflective than it is encouraging.

Your book is provocative is many ways. People are going to interpret some of the content as transphobic and homophobic. I was thinking of the chapter where you refer to trans women as trannies.

I dont know what youre specifically referring to.

You wrote about tranny strippers. Thats a contentious word. Many trans people have spoken out about how hurtful they find that term to be. I was curious about how you would respond to those critics.

is a factual account of what happened. Youre talking about an actual pejorative word?

Yeah. Its a slur. There were a bunch of moments in the book where I read something and immediately thought about how angry it would make social justice activists on the Internet.

Social justice people are angry at everything.

I was wondering if you included some things specifically to be provocative.

No, definitely not. First of all, any social justice person can come at me at any time. I literally have more transgender friends who will vouch for me than anyone. They self-identify as trannies. Ask a transgender who is not a nerd from the Internet how they identify, and I bet you will find hundreds who identify as trannies.

I know transgender folks who identify that way. Its like the N-word. If they call themselves that, its OK. But having a cis person is a different story.

Any person who would find offense in that kind of minutia is not someone who should be reading this book.

Its not your audience, thats probably true.

That shouldnt be anyones audience, as far Im concerned.

As I was reading your book, I was thinking about your crazy drug and sex stories as they relate to Tucker Maxs stories from I Hope They Serve Beer in Hell. Was he somebody who influenced you?

No, thats like bro culture stuff. This is completely different.

Tonally, there were similarities.

Ive never read it, but I also think that in terms of this book, like Ive been living performance art long enough to write a book full of debaucherous stories, but I wanted to go with more pathos, truth. From what I understand from Tucker Maxs stuff, he doesnt really go into too much stuff like that. Not all the stories here are particularly turnt up, as far as Im concerned. There are some that are honest family stories, not every story is about partying.

But a lot of them are.

We can go through it When I was writing it, putting in some emotion and truth, and some real feeling on it, like talking about my mom having sex with Shel Silverstein and being a 9-year-old child actor diva. Shit like that, to me, that is not the same as walking around a bar with a breathalyzer . I dont not relate to it, but Ive never read any of his stuff.

Ostrovsky as a child actor Josh Ostrovsky

Do you differentiate between the Fat Jew as your performative character and yourself as Josh?

No. I dont go home at night and unscrew the hairection , sit down, and listen to This American Life and be like, Oh, what a hard day at work! Being the Fat Jew! No, its all one in the same. To me, that would be disingenuous. I was doing this stuff long before there was anywhere to share it, long before anyone knew about it. Ten years ago, people in New York would be like, Oh thats the Fat Jew, the guy who does crazy stuff. It wasnt something I created and cultivated in order to share on social media for the masses.

But this is your career, this is your passion, but a lot of artists and actors differentiate between their performative self, which is still their self, and who they are when theyre not performing.

Im not an artist or an actor. Im neither.

How do you identify?

Im the only one whos really just going for it. Im genuinely making it up as I go along. I could start a ros company and that could become a real thing. Im about to do the worlds first EDM cologne.

What is that gonna smell like?

I dont know. Thats a good question. Like I dont even know what that means but Im gonna do it. Its 2015. Anything is possible. The world is so ridiculous at this point. I might open a yoga ashram in Toronto. Who knows? Im one of the only people who doesnt consider anything on or off limits. I dont think that it can be defined. We have this human need to compartmentalize, to be like, What are you? But I dont know.

I guess its my job to say, as a writer trying to make sense of what you do.

I dont think theres anything to make sense of. I dont know. What do you think I do?

I think youre a content creator and performer.

Thats vague. But yeah. Im not not. But thats what Im saying. I like to keep people guessing, keep people off kilter. If people think Im a comedian, I will move in a totally different direction and start making cologne. I wanna make people go, What the fuck? Keeping people guessing, keeping genuine conversation going about me, whether its, I dont want to say the word negative, but whatever its gonna be, thats what I am. A conversation starter? I dont know.

Tastemaker?

Conversation piece? Idiot? All of the above?

Whats your goal with your book? Why do you do what you do? Aside from the fact that you just want to do it.

The end goal with the book is that I think I can get some turnt-up 18-year-old to read. Thats the challenge, like, can you get fuckin some kids to read and think its really fuckin chill? Is that doable? Ill literally do it just for that.

Were doing reading raves to promote the book. IRL is what the programs called. Its just like huge DJs and books. Like, can you make them read? I think its doable. I dont think publishing knows how to do it. I dont think parents know how to do it.

So you want to make reading cool?

Kind of. What if Im somehow the guy to do it?

What are your favorite books?

I love Shel Silverstein, and not only because my mom fucked him. Mostly, Im the type to read 100 listicles. Like, what kind of bagel is Rihanna? You know what I mean? One-hundred times Rihanna ate fruit. Im not reading enough books.

No ones reading enough books.

Maybe now? That would fucking weird. To get a fucking 17-year-old whos over it to sit down and read an entire book? I mean I put in some stuff to break up the chapters, like you can color in a picture of Tyrese. I mean, I dont want you to have to read too much.

Illustration by Max Fleishman

Popular on The Daily Dot

I went to the Rentboy liquidation sale, and all I got was this amazing escort swag

After a massive federal raid, Rentboy had to sell its entire office on Craigslist to pay its lawyers.

By Mary Emily O'Hara — November 02, 2015

source http://allofbeer.com/2017/09/19/the-fat-jewaes-money-pizza-respect-is-the-worst-book-iaeve-ever-read/ from All of Beer http://allofbeer.blogspot.com/2017/09/the-fat-jewas-money-pizza-respect-is.html

[caredogstips]

We need to talk about culture appropriation: why Lionel Shriver’s speech touched a nerve

Is it OK for white scribes to take on a black spokesperson? The assert that followed the American novelists address in Brisbane has shed new light on one of cultures hottest debates one that has hundreds of years of backstory and has sounded through literature, rap, stone and Hollywood movies

Lionel Shriver knew she was going to annoy beings. Inviting a renowned iconoclast to speak about community and belonging is like expecting a great grey shark to balance a beach ball on its nose, she articulated. She then used her keynote speech at the Brisbane columnists festival to tear into the debate that novelists most particularly grey writers are guilty of cultural appropriation by writing from the point of view of references from other culture backgrounds.

Referring to occurrences in which members of student authority at an American university faced impeachment after attended a tequila party wearing sombreros, and reports of a ban on a Mexican eatery from making out sombreros, the author of We Necessity to Talk About Kevin announced: The moral of the sombrero scandals is clear: youre not supposed to try on other people hats . Yet thats what were paid to time, isnt it? Step into other folks shoes, and try on their hats.

The response was instant. Sudanese-born Australian social activist Yassmin Abdel-Magied, who was attending the event, walked out and then rapidly wrote a comment part which was contended that Shrivers speech was a celebration of the unfettered exploitation of the experiences of others, for the purposes of the guise of fiction.

The argument is one of the most parted yet in a conversation that has a long record across literature, music, arts and rendition. While story might be the catalyst for this discussion, in the eyes of Abdel-Magied and others the issues are deeply rooted in real-world politics and a long history.

The image of the blackface singer creator of 1830s America the lily-white musician decorated up to look like a caricature of an African-American person and play-act comic skits is perhaps the most oft-invoked illustration of culture appropriation from record. The ethnic dynamic of minstrelsy was complex it was performed by African-American and Anglo actors alike but while African-American performers often sought to gain fiscal insurance from these best practices and in some cases use their scaffold to counter negative public stereotypes of themselves, white-hot performers reinforced those stereotypes. This produced within a society which continues to be has not been able to abolished bondage, and in which the political ability dynamic was very much racialized. As the civil right crusade thrived, so did criticism of white people attempting to exploit the pictures and events of people of colour for social and financial gain.

This pattern is recurred of all the countries, particularly in places that experienced colonisation and slavery, such as India, Australia and South Africa. As students, creators, activists and writers of emblazon fought to gain access to mainly grey institutions and public seats, and gained visibility in the cultural globule, they began to criticise the inaccurate images of themselves they construed created by and for the profit of others.

The issue has been heavily explored within the establishments but has reaped momentum in popular culture over the past decade. It underpins criticism of, among other things, Iggy Azaleas sonic blackness, Coldplays myopic construction of India in their music videos, and Miley Cyruss dance moves. Director Cameron Crowe lately apologised for casting Anglo-American actor Emma Stone as a part-Asian reputation in the 2015 movie Aloha not the first time a grey performer has been thrown to play a reputation from a different ethnic background in mainstream cinema. The proof has been assisted particularly by the feminist parish focus on intersectionality crudely the idea that discrimination takes on different forms depending on the hasten, class and/ or gender of the person or persons subject to discrimination.

The charge of culture appropriation is not confined to fiction, but at the moment thats perhaps the most heatedly raced terrain . In March, Harry Potter author JK Rowling was accused of proper the living institution of a marginalised people after a tale produced to her Pottermore website drew upon Navajo narratives about skinwalkers. Shriver herself mentioned the case of vehicles of grey British scribe Chris Cleave, whose novel The Other Hand is partly narrated by the character of a teenage Nigerian girl. In principle, I admire his firmnes, Shriver replied. She then went on to item reviewer Margot Kaminskis concerns that Cleave was manipulating the character, that he ought to be taking special care with representing its own experience that was not his own.

Shriver took aim at the proposal that an scribe should not use a reference they created for the service of a plot they saw. Of trend hes using them for his patch! she suggested. How could he not? They are his personas, to be operated at his caprice, to fulfil whatever purpose he cares to apply them to.

What borderlines around our own lives are we mandated to remain within? questioned Shriver. I would argue that any floor you are able to draw yours is yours to tell, and trying to push the boundaries of the authors its own experience is part of a fiction columnists job.

While it seems obvious that novelists of myth will endeavour to write from perspectives that are not their own, numerous writers of quality bicker there is a direct relationship between certain difficulties they face trying to make headway in the literary industry and the success of grey scribes who illustrate people of colour in their myth and who go on to build a successful literary profession off that. The difference between cultural illustration and cultural rights appropriation, by this logic, lies in the grey novelist telling storeys( and therefore taking producing possibilities) that would be better suited to a novelist of colour.

Some writers argue that it works in reverse, more. In an phenomenon for the Guardian in November last year, Booker Prize-winning author Marlon James told publishers too often pander to the white-hot wife( the majority of members of the book-buying public ), making writers of colouring to do the same. In a Facebook post responding to novelist Claire Vaye Watkins widely circulated essay On Pandering, James used to say the kind of storey favoured by publishers and bestows committees abode suburban white woman in the middle of ennui knowledge keenly observed epiphany pushed columnists of colour into literary conformity for fear of losing out on a journal deal.

Speaking to Guardian Australia, Indigenous Australian author and Miles Franklin winner Kim Scott adds its crucial to listen to the expressions of marginalised people who may not be given enough space to tell their own floors. Fibs are provides; theyre about reform and opening up interior macrocosms in the interests of expanding the shared nature and the common sense of community. So if theres many articulations telling we need more of us addressing our tales, from wherever theyre saying that, then that needs to be listened to.

Omar Musa, the Malaysian-Australian poet, rapper and novelist, told Guardian Australia: There is a history of stereotypes being continued by lily-white the authors and very, exceedingly reductive narrations. Beings are just generally much more cautious of that.

Musa supposes grey scribes should read, support and promote the operational activities of the novelists of emblazon before attempting to encroach on that cavity themselves, if that is something they want to do. But he admits he experiences the issue difficult; the suggestion that writers shouldnt move outside the boundaries of their own experiences comes into direct conflict with what he sees as the purpose of fiction: to empathise with and understand other families lives.

If youre going to write from someone elses perspective, Musa says, its important to shun stereotypes, especially if you want to move the specific characteristics rich and flawed as a good character should be.

Australian columnist Maxine Beneba Clarke. There are two schools of thought about[ culture appropriation] I dont know what the answer is but I can understand both views. Photograph: Nicholas Walton-Healey

Musa has his own experience of writing across the cultural subdivide. His first novel, Here Come The Dogs,was told from the perspective of a reference with a Samoan background. Musa answers consenting criticism is a crucial part of this process: There will be people who will tell you that maybe you didnt quite get this right, and you just have to cop that flack.

Maxine Beneba Clarke is an Australian-based novelist of African-Caribbean descent. Her memoir The Hate Race was prompted by a flow of racial insult; her accumulation of short narratives, Foreign Soil, was published to great acclaim after she won the Victorian Premiers Literary award for anunpublished manuscript in 2013. I think there are two situations in which Ive written outside of the African diaspora, she mentions. In both cases the latter are parts of short fiction and the process of writing them took several years, simply because of that consultation.

Beneba Clarke conceives consultation is all-important, but so is examining your own impulse to write from the perspective of another. What does it mean to be a writer “whos not” national minorities writer and wanting to change your literature? How do you do that? I think that was the opportunity for conversation that was missed[ in Shrivers speech] … How do we feel about writing each others stories and how do we go about it? Whats the respectful practice to go about it?

In some ways it comes down to personal ethics, she answers. Whether you feel you are doing no damage; whether you feel you are doing it sensitively; and, I believe, whether the publisher or the reader been agreed that you have done it sensitively.

Helen Young from the University of Sydney English department speaks fiction can have a very real impact on marginalised people. Individual journals have an impact on individual lives, but representation overall composes a seat and an environment in which people can feel like its OK to be who they are.

The politics of representation is a huge question in the science fiction and fantasy worlds very, speaks Young. This was exemplified by the recent expeditions against a comprehended leftwing bias in the Hugo gifts, in which disgruntled rightwing science fiction and fantasy columnists bickered the awards were being diminished by what the hell is experienced as the tendency of voters to opt studies simply about racial prejudice and exploitation and the like over traditional swashbuckling adventures.

Referring to the JK Rowling occurrence, Young suggests precisely because imagination is often to be considered as escapist, doesnt symbolize those stories dont stuff, or that authors should not treat different sources of their brainchild with respect. Theyre still the lived, hallowed narrations of living cultures, she supposes. Theyre the beliefs of real parties. So if from a western view you go, oh well, its just myth, I can do whatever I like with it, thats a problem.

Kate Grenville said she find writing Indigenous attributes was beyond her when she wrote The Secret River. Image: Sarah Lee for the Guardian

In some respects, the dirt seems to be changing. When Kate Grenville wrote her highly acclaimed historic romance about colonial Australia, The Secret River, in 2005, she shunned writing from the standpoint of Indigenous characters because she felt it was beyond her. Speaking to Ramona Koval on ABC radio, she alleged: What I didnt want to do was step into the heads of any of the Aboriginal attributes. I think that kind of appropriation … theres been too much of that in our writing. In her tale The Lieutenant, the sequel to The Secret River, nonetheless, Grenville did go into outlining more rounded Indigenous reputations, but only after deep and careful involvement with the historical records upon which her characters were based.

All the writers who spoke to Guardian Australia say they believe that considering the question of cultural appropriation is decisive, but the tenor of that discussion matters. They say that making a mockery of marginalised peoples concerns about image and appropriation does not constitute a constructive debate.

Scott, who has previously suggested a postponement on grey columnists used to describe Indigenous Australia, speaks lily-white columnists could use fiction itself to explore the tension about representation. Even the desire to occupy the consciousness of the other, that can be explored in story.

For Musa, the transformation needs to go beyond volumes: You probably cant have a change in literary culture without a change in the whole culture of the two countries, he says.

On the question of progress, in Australia at least, Beneba Clarke replies: “Theres” two institutions of was just thinking about this: that Australian literature is not diverse enough for Anglo-Australian novelists to be even considering writing from other cultures, and the other school of thought is, well, how do we change literature then, given that most of our writers are Anglo-Australian? Are we locking ourselves into an inevitably whitewashed world of literature?

And I dont really subscribe to either thought; I dont know what the answer is but I can understand both positions. But I think what I perfectly cant understand is disregard for any kind of consultation and an inability to understand when people of colour are outraged.

Such articles has been amended to clarify that the Hugo awardings are voted on by the public.

Read more: www.theguardian.com

The post We need to talk about culture appropriation: why Lionel Shriver’s speech touched a nerve appeared first on caredogstips.com.

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[melindarowens]

A Failure To Communicate!

Good day… And a Tub Thumpin’ Thursday to you! I have a different outlook on things today… I don’t want to work, I want to bang on the drum all day! Yes, I’m in one of those moods this morning. Kathy is already at the PBI airport, and will be here when I get home from my infusion today… That is if she doesn’t decide to go shopping when she gets home! HA! Who knows what tomorrow brings, and as the great Johnny Rivers sang: just let tomorrow be… The Gin Blossoms greet me this morning with their song: Hey Jealousy… Back in the 90’s, when I was much younger, I saw the Gin Blossoms, along with Cracker, and Thin Lizzy… You couldn’t get me at that concert venue now, if you gave me tickets!

Well, the triple-witching day is here, but, it appears that a lot of the problems that could arise from the brew that included some bat wings and eye of newt, the witches were preparing, has been watered down… 1. Former FBI Director, Comey’s testimony will have already had his prepared words released to the public yesterday, and it appears that he will NOT say that the President put pressure on him to drop the investigation regarding Russia and Flynn…. 2. As I said yesterday, all the drama of the U.K. election that’s going on right now, had been removed, and it appeared that PM May’s party will retain a majority of the seats… and 3. The European Central Bank (ECB) meeting is going on right now, and nothing is expected that would shake up the markets, so… everyone was fretting, sweating, and leaving lots of sawdust on the floor, about today, and it most likely will turn out to be a dud!

So, the buying of Gold, yen, and U.S. Treasuries has subsided, for now… The bias to sell dollars has also subsided, but a new bias to buy dollars isn’t in place just yet… For instance, the euro was 1.1250 yesterday morning, and it’s sitting bang on that figure again this morning… And there was good trade data from China last night, so the Global Growth currencies of Australia and New Zealand (A$ and kiwi respectively), added to their values. Not huge moves, mind you, but they added to their values, which is a good thing!

So, speaking of the Chinese trade data that printed last night… The Chinese Trade Surplus for May was $ 40.81 Billion, which was better than the forecasts, and April’s print of $ 38.05 Billion… In addition, I talked yesterday about the Chinese currency reserves, and that report also printed showing that the reserves had increased to $ 3.054 Trillion, VS the previous print of $ 3.030 Trillion.. But looking under the hood here, tells me that most of the gains in the reserves have come about from currency appreciation… I’m told that the outflows of capital from China have started again, and that’s not a good thing, for it will require China to tap these reserves again to defend their currency.

So, the Trade data was good, and the Reserves data not so good… The Global Growth currencies decided to focus on the good, and like I said above, the A$ and kiwi added to their values..

In Brazil yesterday, the interim President, Temer’s trial was adjourned without a vote… Which means there’s more back room deals being done! HA! Seriously, this moves a possible vote to Saturday. I think Temer will be exonerated from these charges that have been brought on him, but… he could still face obstruction of justice and corruption charges… When will the political problems for Brazil go away? It seems like I’ve been talking about Brazilian politics for 5 years now, and quite frankly it’s getting old… The real keeps getting sold, on these political problems and the drop in the price of Oil yesterday didn’t help!

Yes, yesterday morning, I was talking about how the price of Oil had jumped to above the $ 48 handle… But that only lasted as long as it took for the weekly EIA report to print, that showed that oil and gas supplies had jumped much higher last week, and the trap floor sprung open and the price of Oil fell through it, falling all the way down to a $ 46 handle, and it’s barely holding that!

The ECB will end their meeting about the time I hit send on the Pfennig this morning, and then ECB President Mario Draghi, will hold a press conference… I truly don’t expect much this morning except the same-o, same-o, from him about how inflation hasn’t met the ECB’s target, and therefore the accommodation will continue, which means the negative deposit rates and bond buying… UGH!

Gold lost $ 6.80 yesterday to close at $ 1,286.80, and the early morning trading has been going back and forth between a tiny loss and a tiny gain, so I’ll just call it flat this morning! The rumors going around center on a report that will show just how strong China’s demand for physical Gold from Hong Kong was so far this year… I’m reading that there are some analysts and observers that think China’s demand could increase by 50%!

The U.S. Data Cupboard had the Consumer Credit (read debt) for April yesterday, and boy was I shocked to see the number! Consumers only racked up debt of $ 8.2 Billion! Wait! What? How can that be? March’s previous figure of $ 16.4 Billion was revised upward to $ 19.5 Billion!!!!! So, U.S. consumers went from adding debt of $ 19.5 Billion to $ 8.2 Billion in one month? OK, either this data will see a HUGE upward revision next month, OR… We return to the theme of last month, and that is that the U.S. Consumer has “tapped out”…

Which one do you think will end up being true? I think both of them! The number is ripe for an upward revision next month, but it won’t get it anywhere near the average so far this year, which was $ 15 Billion per month.. But if this isn’t proof that the U.S. consumer has “tapped out” then I’m a monkey’s uncle! HA! Remember that saying? I hadn’t heard that one in years, until it popped into my head while I was typing!

Well, did you happen to see or hear or read what former Fed Minneapolis President, Narayana Kocherlakota, had to say yesterday? Well, if you didn’t, then get a load of this! Kocherlakota said in an interview with MarketWatch that the Fed should NOT hike rates in June, and should grow, NOT cut the balance sheet, until inflation hits their 2% target. I bet those words won’t play well in the Eccles Building (The Fed’s HQ)… There goes his invitation to the Christmas Party too! HA! But in essence, isn’t what he’s saying correct? It’s like this as far as I’m concerned: The Fed set the guidelines for cutting rates and unwinding their balance sheet… It was a strong employment rate, and 2% inflation… The Fed has now hiked rates 3 times and inflation, as calculated by the PCE (Personal Consumption Expenditures) had never reached 2%, much less stayed there! And as far as the employment thing is concerned, I don’t know how the Fed members can sleep at night, when more than 90 Million Americans still don’t have jobs and have given up looking for one!

So, what we have here is a failure to communicate… They didn’t say, “well, if we only reach one of the two targets, we’re going to start hiking rates and unwinding the balance sheet” NO! They said, that when the two targets are reached they will begin to hike rates and unwind the balance sheet! And their forecasts for stronger inflation doesn’t count! Just because they see inflation higher in the future, doesn’t count for now! And besides since when does the Fed nail their forecasts bang on? Remember green shoots? Remember, Bernanke telling us that there was no widespread problem with Subprime Loans? Or how long now have they been saying that “by the end of the year, we will see stronger growth”? Only to not see it, at least for any sustaining period to time… So… in the end, I’m with Kocherlakota on this one!

Oh, and if you want to read the whole article / interview with Kocherlakota on MarketWatch, click here: http://www.marketwatch.com/story/kocherlakota-says-fed-shouldnt-hike-rates-in-june-and-it-should-grow-not-cut-the-balance-sheet-2017-06-07?siteid=nwtam

To recap… The triple-witching day is here, and it appears it has already been watered down, for the U.K. election, according to the bookies, is all but over but for the shouting, and PM May’s party will retain a majority of the seats. All the election drama is over here… In addition, former FBI Director, Comey, released his prepared statements yesterday ahead of time, and there’s no smoking gun here, and finally, the ECB is meeting and there’s nothing that’s going to come of that except the same-o, same-o… “Oh woe is us, we have no inflation”… Of course the folks over at the Bundesbank in Germany are singing a different song! So, the safe haven assets of Gold, yen and Treasuries all have backed off their lofty figures of yesterday. China’s Trade Surplus grew in May, and the Global Growth campers were dancing in the streets!

For What It’s Worth… I have a Pfennig Reader, who also writes his own markets letter each day, and has it out by 7 am… He calls it the Sevens Report… He’s a former stock guy, but has a great handle on everything that goes on in the markets, and yesterday, he did a little “Bonds 101” and I liked it so much, I asked him if I could use it… And well, he said yes, since that’s what this is all about today!… Anyway, the Sevens Report can be found here: www.sevensreport.com here you can sign up for a free two week trial, but after that, it’ll cost to continue…

And here’s the Bonds 101 piece… enjoy! “In the bond market, everything trades off a spread to Treasuries, and Treasuries price off expectations for 1. Growth, 2 inflation and 3. Future interest rate levels. Point being, there are less variables in the bond markets and the markets is more liquid. That equals more efficiency.

Right now, that more efficient market is screaming that future economic growth and inflation will be disappointing, and that the Fed is going to hike rates, regardless.

The disappointing economic growth and inflation can be extrapolated from the decline in the 10 and 30-year Treasury yields. The fall because markets expect lower longer-term economic growth and inflation, which equates to a lower rise in interest rates over the longer term. After a brief bump in late ’16, 10 and 30-year yields are telling us that the slow-growth economy is here to say. (so around 2% GDP growth)

However, the short end of the curve (2-year yields) are saying that right now, the Fed will continue to hike rates.

Think of it this way: From 2015 to 2016, earnings growth was flat and stocks went nowhere and volatility was high. Then, last year, earnings growth started to be re-vised higher, and stocks have rallied. If the bond market is right about economic growth prospects and interest rate hikes, then that will hit expected earnings growth, and stocks will fall.” – Tom Essaye from the Sevens Report

Chuck again… Tom and I are on the same page with regards to why we watch the bond market… It’s a better predictor of future 1. Economic growth 2.inflation and 3. Interest rates…

Currencies today 6/8/17… American Style: A$ .7550, kiwi .7207, C$ .7405, euro 1.1250, sterling 1.2983, Swiss $ .9663, … European Style: rand 12.8720, krone 8.4787, SEK 8.7036, forint 274.14, zloty 3.7420, koruna 23.2712, RUB 56.67, yen 109.89, sing 1.3821, HKD 7.7964, INR 64.34, China 6.7939, peso 18.24, BRL 3.2755, Dollar Index 96.78, Oil $ 46.04, 10yr 2.19%, Silver $ 17.63, Platinum $ 946.92, Palladium $ 847.00, Gold $ 1,287.50, and SGE Gold… $ 1,297.64

That’s it for today… Another 7th inning debacle by the Cardinals last night.. I pin ½ of this one the manager who took his starter, who was cruising along, out of the game in the 6th, knowing all too well, how badly this middle relief has been this year… And well, the $ 30 Million dollar man we signed in the offseason, blew the game once again… I’m getting this out the door early today, hopefully that is, because I have to show up at the infusion center right out of the starting blocks this morning. I prefer to get this over with early in the day, before things get backed up and crazy there, and… the sooner I get it taken care of the sooner I’ll feel better tomorrow! Sometimes the lights all shining on me, other times I can barely see. Lately it occurs to me, what a long strange trip it’s been… yes, that’s the words of Jerry Garcia, and while I was never really a BIG Grateful Dead fan, I love those words… That how I feel right now… More on that tomorrow, but for now, we’re going to let tomorrow be… Seals and Crofts take us to the finish line today with their very apropos song: We May Never Pass This Way Again… OK, I won’t be joining you today, but please go out and do some Tub Thumpin’ for me! And Be Good To Yourself.. Bye~

Chuck Butler Managing Director EverBank Global Markets Creator / Editor of: A Pfennig For Your Thoughts 1-800-926-4922

http://www.everbank.com

The post A Failure To Communicate! appeared first on Daily Pfennig.

Daily Pfennig

source http://capitalisthq.com/a-failure-to-communicate/ from CapitalistHQ http://capitalisthq.blogspot.com/2017/06/a-failure-to-communicate.html

[everettwilkinson]

A Failure To Communicate!

Good day… And a Tub Thumpin’ Thursday to you! I have a different outlook on things today… I don’t want to work, I want to bang on the drum all day! Yes, I’m in one of those moods this morning. Kathy is already at the PBI airport, and will be here when I get home from my infusion today… That is if she doesn’t decide to go shopping when she gets home! HA! Who knows what tomorrow brings, and as the great Johnny Rivers sang: just let tomorrow be… The Gin Blossoms greet me this morning with their song: Hey Jealousy… Back in the 90’s, when I was much younger, I saw the Gin Blossoms, along with Cracker, and Thin Lizzy… You couldn’t get me at that concert venue now, if you gave me tickets!

Well, the triple-witching day is here, but, it appears that a lot of the problems that could arise from the brew that included some bat wings and eye of newt, the witches were preparing, has been watered down… 1. Former FBI Director, Comey’s testimony will have already had his prepared words released to the public yesterday, and it appears that he will NOT say that the President put pressure on him to drop the investigation regarding Russia and Flynn…. 2. As I said yesterday, all the drama of the U.K. election that’s going on right now, had been removed, and it appeared that PM May’s party will retain a majority of the seats… and 3. The European Central Bank (ECB) meeting is going on right now, and nothing is expected that would shake up the markets, so… everyone was fretting, sweating, and leaving lots of sawdust on the floor, about today, and it most likely will turn out to be a dud!

So, the buying of Gold, yen, and U.S. Treasuries has subsided, for now… The bias to sell dollars has also subsided, but a new bias to buy dollars isn’t in place just yet… For instance, the euro was 1.1250 yesterday morning, and it’s sitting bang on that figure again this morning… And there was good trade data from China last night, so the Global Growth currencies of Australia and New Zealand (A$ and kiwi respectively), added to their values. Not huge moves, mind you, but they added to their values, which is a good thing!

So, speaking of the Chinese trade data that printed last night… The Chinese Trade Surplus for May was $ 40.81 Billion, which was better than the forecasts, and April’s print of $ 38.05 Billion… In addition, I talked yesterday about the Chinese currency reserves, and that report also printed showing that the reserves had increased to $ 3.054 Trillion, VS the previous print of $ 3.030 Trillion.. But looking under the hood here, tells me that most of the gains in the reserves have come about from currency appreciation… I’m told that the outflows of capital from China have started again, and that’s not a good thing, for it will require China to tap these reserves again to defend their currency.

So, the Trade data was good, and the Reserves data not so good… The Global Growth currencies decided to focus on the good, and like I said above, the A$ and kiwi added to their values..

In Brazil yesterday, the interim President, Temer’s trial was adjourned without a vote… Which means there’s more back room deals being done! HA! Seriously, this moves a possible vote to Saturday. I think Temer will be exonerated from these charges that have been brought on him, but… he could still face obstruction of justice and corruption charges… When will the political problems for Brazil go away? It seems like I’ve been talking about Brazilian politics for 5 years now, and quite frankly it’s getting old… The real keeps getting sold, on these political problems and the drop in the price of Oil yesterday didn’t help!

Yes, yesterday morning, I was talking about how the price of Oil had jumped to above the $ 48 handle… But that only lasted as long as it took for the weekly EIA report to print, that showed that oil and gas supplies had jumped much higher last week, and the trap floor sprung open and the price of Oil fell through it, falling all the way down to a $ 46 handle, and it’s barely holding that!

The ECB will end their meeting about the time I hit send on the Pfennig this morning, and then ECB President Mario Draghi, will hold a press conference… I truly don’t expect much this morning except the same-o, same-o, from him about how inflation hasn’t met the ECB’s target, and therefore the accommodation will continue, which means the negative deposit rates and bond buying… UGH!

Gold lost $ 6.80 yesterday to close at $ 1,286.80, and the early morning trading has been going back and forth between a tiny loss and a tiny gain, so I’ll just call it flat this morning! The rumors going around center on a report that will show just how strong China’s demand for physical Gold from Hong Kong was so far this year… I’m reading that there are some analysts and observers that think China’s demand could increase by 50%!

The U.S. Data Cupboard had the Consumer Credit (read debt) for April yesterday, and boy was I shocked to see the number! Consumers only racked up debt of $ 8.2 Billion! Wait! What? How can that be? March’s previous figure of $ 16.4 Billion was revised upward to $ 19.5 Billion!!!!! So, U.S. consumers went from adding debt of $ 19.5 Billion to $ 8.2 Billion in one month? OK, either this data will see a HUGE upward revision next month, OR… We return to the theme of last month, and that is that the U.S. Consumer has “tapped out”…

Which one do you think will end up being true? I think both of them! The number is ripe for an upward revision next month, but it won’t get it anywhere near the average so far this year, which was $ 15 Billion per month.. But if this isn’t proof that the U.S. consumer has “tapped out” then I’m a monkey’s uncle! HA! Remember that saying? I hadn’t heard that one in years, until it popped into my head while I was typing!

Well, did you happen to see or hear or read what former Fed Minneapolis President, Narayana Kocherlakota, had to say yesterday? Well, if you didn’t, then get a load of this! Kocherlakota said in an interview with MarketWatch that the Fed should NOT hike rates in June, and should grow, NOT cut the balance sheet, until inflation hits their 2% target. I bet those words won’t play well in the Eccles Building (The Fed’s HQ)… There goes his invitation to the Christmas Party too! HA! But in essence, isn’t what he’s saying correct? It’s like this as far as I’m concerned: The Fed set the guidelines for cutting rates and unwinding their balance sheet… It was a strong employment rate, and 2% inflation… The Fed has now hiked rates 3 times and inflation, as calculated by the PCE (Personal Consumption Expenditures) had never reached 2%, much less stayed there! And as far as the employment thing is concerned, I don’t know how the Fed members can sleep at night, when more than 90 Million Americans still don’t have jobs and have given up looking for one!

So, what we have here is a failure to communicate… They didn’t say, “well, if we only reach one of the two targets, we’re going to start hiking rates and unwinding the balance sheet” NO! They said, that when the two targets are reached they will begin to hike rates and unwind the balance sheet! And their forecasts for stronger inflation doesn’t count! Just because they see inflation higher in the future, doesn’t count for now! And besides since when does the Fed nail their forecasts bang on? Remember green shoots? Remember, Bernanke telling us that there was no widespread problem with Subprime Loans? Or how long now have they been saying that “by the end of the year, we will see stronger growth”? Only to not see it, at least for any sustaining period to time… So… in the end, I’m with Kocherlakota on this one!

Oh, and if you want to read the whole article / interview with Kocherlakota on MarketWatch, click here: http://www.marketwatch.com/story/kocherlakota-says-fed-shouldnt-hike-rates-in-june-and-it-should-grow-not-cut-the-balance-sheet-2017-06-07?siteid=nwtam

To recap… The triple-witching day is here, and it appears it has already been watered down, for the U.K. election, according to the bookies, is all but over but for the shouting, and PM May’s party will retain a majority of the seats. All the election drama is over here… In addition, former FBI Director, Comey, released his prepared statements yesterday ahead of time, and there’s no smoking gun here, and finally, the ECB is meeting and there’s nothing that’s going to come of that except the same-o, same-o… “Oh woe is us, we have no inflation”… Of course the folks over at the Bundesbank in Germany are singing a different song! So, the safe haven assets of Gold, yen and Treasuries all have backed off their lofty figures of yesterday. China’s Trade Surplus grew in May, and the Global Growth campers were dancing in the streets!

For What It’s Worth… I have a Pfennig Reader, who also writes his own markets letter each day, and has it out by 7 am… He calls it the Sevens Report… He’s a former stock guy, but has a great handle on everything that goes on in the markets, and yesterday, he did a little “Bonds 101” and I liked it so much, I asked him if I could use it… And well, he said yes, since that’s what this is all about today!… Anyway, the Sevens Report can be found here: www.sevensreport.com here you can sign up for a free two week trial, but after that, it’ll cost to continue…

And here’s the Bonds 101 piece… enjoy! “In the bond market, everything trades off a spread to Treasuries, and Treasuries price off expectations for 1. Growth, 2 inflation and 3. Future interest rate levels. Point being, there are less variables in the bond markets and the markets is more liquid. That equals more efficiency.

Right now, that more efficient market is screaming that future economic growth and inflation will be disappointing, and that the Fed is going to hike rates, regardless.

The disappointing economic growth and inflation can be extrapolated from the decline in the 10 and 30-year Treasury yields. The fall because markets expect lower longer-term economic growth and inflation, which equates to a lower rise in interest rates over the longer term. After a brief bump in late ’16, 10 and 30-year yields are telling us that the slow-growth economy is here to say. (so around 2% GDP growth)

However, the short end of the curve (2-year yields) are saying that right now, the Fed will continue to hike rates.

Think of it this way: From 2015 to 2016, earnings growth was flat and stocks went nowhere and volatility was high. Then, last year, earnings growth started to be re-vised higher, and stocks have rallied. If the bond market is right about economic growth prospects and interest rate hikes, then that will hit expected earnings growth, and stocks will fall.” – Tom Essaye from the Sevens Report

Chuck again… Tom and I are on the same page with regards to why we watch the bond market… It’s a better predictor of future 1. Economic growth 2.inflation and 3. Interest rates…

Currencies today 6/8/17… American Style: A$ .7550, kiwi .7207, C$ .7405, euro 1.1250, sterling 1.2983, Swiss $ .9663, … European Style: rand 12.8720, krone 8.4787, SEK 8.7036, forint 274.14, zloty 3.7420, koruna 23.2712, RUB 56.67, yen 109.89, sing 1.3821, HKD 7.7964, INR 64.34, China 6.7939, peso 18.24, BRL 3.2755, Dollar Index 96.78, Oil $ 46.04, 10yr 2.19%, Silver $ 17.63, Platinum $ 946.92, Palladium $ 847.00, Gold $ 1,287.50, and SGE Gold… $ 1,297.64

That’s it for today… Another 7th inning debacle by the Cardinals last night.. I pin ½ of this one the manager who took his starter, who was cruising along, out of the game in the 6th, knowing all too well, how badly this middle relief has been this year… And well, the $ 30 Million dollar man we signed in the offseason, blew the game once again… I’m getting this out the door early today, hopefully that is, because I have to show up at the infusion center right out of the starting blocks this morning. I prefer to get this over with early in the day, before things get backed up and crazy there, and… the sooner I get it taken care of the sooner I’ll feel better tomorrow! Sometimes the lights all shining on me, other times I can barely see. Lately it occurs to me, what a long strange trip it’s been… yes, that’s the words of Jerry Garcia, and while I was never really a BIG Grateful Dead fan, I love those words… That how I feel right now… More on that tomorrow, but for now, we’re going to let tomorrow be… Seals and Crofts take us to the finish line today with their very apropos song: We May Never Pass This Way Again… OK, I won’t be joining you today, but please go out and do some Tub Thumpin’ for me! And Be Good To Yourself.. Bye~

Chuck Butler Managing Director EverBank Global Markets Creator / Editor of: A Pfennig For Your Thoughts 1-800-926-4922

http://www.everbank.com

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