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jamesgeiiger · 6 years

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Financial Samurai 2018 Year In Review: Almost A Fantastic Year

Although 2018 ended on a down note with the stock market selling off, I feel good about how things unfolded. I’ll take the ratio of three good quarters to one bad quarter any year.

Believe it or not, my theme for 2018 was: back to early retirement life. I pushed myself to the point of burnout in 2017. But the funny thing about hard work is that it’s over. I only remember bits and pieces of how difficult 2017 was.

At year-end, it’s easy to forget our accomplishments and our failures. With this post, I’m excited to relive the good and the bad in the following categories: Finances, Family, Health, Business, and Odds & Ends.

This post is like a 4-for-1 special. It needs to be thorough so I can prove to my son his old man wasn’t a deadbeat when he inevitably starts rebelling or when I’m no longer here to defend myself.

2018 Year In Review

Finances – 2.5 Out Of 5 Stars

At the beginning of the year, I predicted we’d see a slowdown in coastal city real estate, a 10-year bond yield under 3%, and a stock market that would have one last hurrah with a 10% return. I was almost three for three with the stock market up ~8% in September. Too bad it gave up all its gains and then a whole lot! At least I got more defensive starting in March.

My net worth is roughly made up of:

30% in stocks/bonds = -3%. After writing Your Risk Tolerance Is An Illusion in the Spring, I reduced my stock allocation in my House Sale Fund to roughly 52% from 70%. As bonds began to outperform stocks coupled with further profit taking, my end allocation is roughly 40% stocks / 60% bonds. Owning a bunch of equity structured notes in my other main fund has helped minimize volatility. But clearly I wasn’t defensive enough and should have taken more profits during the summer.

My House Sale Fund portfolio was up around 13% at one point until I gave all the gains up in the 4th quarter. Right now, it’s holding onto a tenuous 5.4% gain, after the huge rally on Dec 26. Overall, my public investment portfolio is slightly down, which violates my rule of never losing money post retirement. I plan to update this performance daily due to the volatility.

I’m disappointed with my public investment performance. This goes to show that no matter how concerned you are about an asset class or the economy, greed can override logic.

Here’s a good chart that shows how the Vanguard Long-Term Bond Fund has outperformed the S&P 500 since 1999. The next time I start feeling greedy, I need to remind myself that slow and steady wins the race, especially if you’ve already passed the finish line.

6% in cash/CDs = +2.3%. Thanks to rising short-term rates, you can now get around 2% in a money market and 2.5% in a 12-month CD. It’s wonderful to earn something from our risk-free investments now. Cash and short-term CDs have been 10%+ outperformers against the S&P 500. Hopefully, folks will no longer badger me about the risks of underperforming inflation when the real risk is losing absolute dollar value. Unfortunately, I should have had closer to 15% of my net worth in cash and CDs.

30% in real estate = -5%. The online estimates say my real estate holdings have gone up ~6% YoY, but I doubt it now that the stock market has sold off so aggressively from the peak. Online price estimates and public data are always lagging estimates. Prices did continue to go up until about January 2018, but began falling for the remainder of the year. The chart below shows data months before the 4Q2018 stock market correction. Therefore, I’ve manually inputted -5% from +6% for a 11% swing.

Even though my real estate holdings are down, I thankfully feel no stress compared to my stock holdings, which is one of the reasons why I prefer real estate over stocks. One rental property has no mortgage since 2015, my primary residence is providing utility every day by sheltering my family, and my vacation property is generating a positive cash flow. I can’t wait to bring my boy up to Lake Tahoe to touch his first snow in March!

It’s unfortunate that I reinvested $600,000 of the $1,800,000 proceeds from my house sale into the stock market. I should have just stayed super conservative. But I suspect the best I could get now for the house is $2,600,000 today versus the $2,740,000 sale price in 2017. My house was on a busy street next to the busiest street in all of San Francisco. Fringe location properties, even in a good neighborhood, tend to underperform during a market softening.

8% in alternative investments = +5%. My alternative investments in venture debt and real estate crowdfunding seem to be doing well, to the tune of a 11% – 20% IRR. But these figures are probably too aggressive as well, so I’ve assigned a +5% performance instead. REITs and rental property have outperformed all year as rents are stickier than stocks. I remember back in 2009, my rents stayed flat because by the time the lease was over a year later, the recession was over.

25% in my online business = 0% – 150%. My business is the trickiest to value. Revenue and profits are up 20%+ YoY. Therefore, one might conclude that its value should also be up by 20%+. However, valuations have probably compressed since the stock market sell-off. The good thing is that a peer site with about 35% less traffic sold for 2X the value I assigned for my business in my net worth calculations. Therefore, there’s a possibility my site could be worth 2X – 2.5X my assigned value if we normalize for traffic.

From an estate planning perspective, I want my business to be valued as low as possible. It’s the same way you want your house to be valued as low as possible to pay less property tax. To prepare for hard times, I’ve kept my business at 0% growth in my net worth calculation.

Net Worth Growth

Here’s my 2018 net worth progression chart according to Personal Capital. The chart is a little chunky because of cash recognition delays. But overall, it was doing pretty well until the end of the year.

2018 Net Worth = +6.5%

The main reasons why my net worth is up ~6.5% in 2018 are business cash flow and aggressive savings. I continue to save over 70% of my after-tax income. If I didn’t aggressively save, my net worth would have been flat. As my net worth has grown, it’s harder to move the needle as much.

6.5% is OK, but at one point I was up ~11%. Hence, it feels a little disappointing. 10% YoY growth has always been my minimum net worth growth target since graduating from college. Despite the disappointment, I’m glad my net worth didn’t go in reverse.

If you’re feeling bummed out, it helps to look at how far your net worth has come over the past five or 10 years. When I left work in 2012, I was comfortable with what I had. Otherwise, I wouldn’t have left. Having another six years of growth, excluding 2018, has really been a blessing post early retirement.

The key is to not lose all your gains to a bear market.

Related: Recommended Net Worth Allocation By Age Or Work Experience

Family & Fatherhood – 4.7 Stars

I could not have tried harder to be a great stay at home dad. I only have one shot, so I did everything to educate myself about parenthood. I also spent as much time as possible with my son as a stay at home dad.

My greatest moments of joy all year came from seeing my son’s milestones. He started waddling with help at around 11 months and slowly started to walk unassisted at 12 – 13 months. By 18 months he was able to count to 30, say all letters of the alphabet, and identify eight different colors.

His favorite words and phrases at 20 months old are “hot dog, ketchup, yum, yum, yum” “double wide garage door,” “walk with daddy,” “knock knock,” “verde,” “voila,” and “da hai bao (big seal in Mandarin).” He’s also just begun to sing a couple lullabies, one in Japanese and one in French. We try to talk to him in multiple languages as supposedly that helps brain development. He’s hilarious and full of determination. Oh boy is he determined.

When I’m not working on Financial Samurai or managing our investments, I pretend I’m a pre-school teacher and occupational therapist. Because he has a vision issue, I’ve been helping him track objects, work on his depth perception, and hand-eye coordination. So far he can walk up stairs no problem, but he still needs assistance going down stairs.

Now we’re focusing more on his fine motor skills, like drawing, holding a pencil, brushing his teeth, playing piano keys, and using scissors. The duties are never-ending, but it’s been a blessing to care for him every day and watch him grow.

He is a determined boy

My greatest sorrows have also all come from my son. Between 11 – 15 months old he would fall frequently or accidentally bonk his head on something hard or sharp. I felt his pain each time and admonished myself for not doing a better job protecting him.

As a result of his accidents, I ended up padding everywhere around the house and padding every wall and table corner. Interior design be damned! Thank goodness we live in a modest size house. The padding has saved him from injury numerous times, including on Christmas, when he stumbled on a package and hit his head on our coffee leg corner which was padded, hooray!

It turns out that toddlers between 12 – 19 months fall about 17X an hour on average according to one study of 120 toddlers. Only until about age 4 do most toddlers fully master their walking and running skills. That made me feel a little better, but it still made me so sad whenever he hurt himself. Taking him for a walk with a harness has helped tremendously. I’m teaching him to look both ways before crossing the street.

It’s also interesting it takes up to 24 months before a toddler’s fontanel closes. Therefore, we as parents might as well be as diligent as possible in trying to protect his head before his skull gets to full strength. So much about parenthood the first several years is about survival – from preventing suffocation while sleeping to making sure they don’t walk off a ledge.

The better our boy sleeps and the more he is able to communicate his desires, the more rewarding parenthood has become. Because he is so strong-willed, his temper tantrums are also quite a challenge.

One of my concerns is that he will hurt himself during these temper tantrums by banging his head on something hard or arching his back and hurting himself on the floor. Doctors say temper tantrums peak by around 24 months, subside, and then rise again at around 36 months. Here’s where I need to demonstrate maximum patience as a parent for the next 18 months.

Before my son was born, there was never any whining or crying around the house. But once he arrived, I have heard crying and whining every day, multiple times a day for 20 months in a row. Unfortunately, there is no logical reasoning with a young boy, except to use a technique called “caveman speak” while voicing what we think he wants to calm him down. Adjusting to this new scenario has been hard.

It’s also difficult to write, record a podcast, or mentally relax when there is so much noise. Being able to more easily find a quiet space is one of the benefits of upgrading to a larger house. As a result of needing to find quiet time, I often had to wake up between 4am – 5am to get things done. But I’m proud to say I’ve never lost my temper around my boy.

I’ve still got to improve my patience with my wife and not let business stress or stock market stress hurt our relationship. We operate at different paces, and I need to do a better job slowing down. The whole point of financial independence is to be free from money stress to live your best life.

Given my wife is a full-time mom and absolutely does more of the caregiving, the pressure is on me to make sure our finances never go in reverse. As the stock market melted down in 4Q2018, my stress level definitely increased.

Our goal is to both stay full-time parents for at least our son’s first two years of life and ideally try to be full-time parents for five years before he attends kindergarten. Fatherhood is the hardest thing I’ve ever had to do.

Related: How To Survive The Pressures Of Being A Sole Income Providing Parent

Health & Fitness – 3.2 Stars

I’m the same weight as I was in 2017, which is OK. But I gained 5 lbs in 2017, which was not OK. I need to get down to 162 lbs from 170 lbs. At least I exercised 3X a week on average plus took light walks with my son 5X a week on average. Given my goal is to live until 75, or whenever my son can establish himself and find a life partner, it’s important for me to stay in mental and physical shape.

Luckily, I’ve had no serious injuries or medical mishaps this year. I did catch some flu-like virus that knocked me out for 1.5 days in October, but that was it. We did have our first emergency room visit for my son at 5am because he seemed to have come down with a similar virus I had a month later. We also went to an after-hour care facility for some inflammation. Luckily, things got better after 24 hours.

At 41, I still haven’t sprouted any grey hairs, which is a surprise since I first got several grey hairs at 33, the year before I left my day job. The only reason I can imagine for this phenomenon is that not working a full-time job is less stressful. It’s one thing to say how much better life is after achieving financial independence. It’s another thing for the body to show us.

My most fun physical addition has been joining a softball meetup group that plays every Saturday it doesn’t rain. I must have played over 30 games in 2018. Ah, now I remember sustaining a left knee bone contusion that hurt for six months. My personal highlight was drafting and captaining a 4th of July softball tournament and winning. Curiously, it was one of my most satisfying life moments!

Finally, I found out in December I wasn’t getting bumped down to 4.5 in USTA tennis from 5.0. I did poorly in 5.0 league at the beginning of the year and was hoping to get bumped down after three seasons. When I didn’t, I appealed and got denied.

5.0 level tennis is brutally tough. From an ego perspective, it does feel good to be in the top 1% of all tennis levels. Other players give you respect as you puff out your chest and start thinking you’re the shiznits. But after you start repeatedly getting beaten by players younger than you, it starts to get demoralizing! Therefore, I always try to make fun of myself to others by saying the computers must have malfunctioned to keep me at 5.0.

Business – 4.8 Stars

I could not have tried harder to build Financial Samurai either. Here are some of the accomplishments:

Published three posts a week on average

Published three pages a week on average

Published one newsletter a week on average

Improved my short-form writing skills with the newsletter

Produced over 40 podcasts

Did several podcast interviews on other platforms

Launched the Financial Samurai Forum with 1,300 members thanks to my wife who set everything up over a year

Got mentioned in Business Insider, CNBC, MarketWatch, MSN, Apple News, Forbes, and Yahoo

Updated How To Engineer Your Layoff with a new forward for 2019

Increased overall traffic by 20% YoY, with 50% YoY traffic growth between August 11 – December 27

The 50% YoY traffic surge since August 11 seems like an anomaly. It’s like suddenly turning into a speedboat after being a cruise ship. But traffic has been elevated for almost four months so far, with December being the highest traffic all year. For years, December has always been a quiet month due to the holidays. Perhaps the traffic increase is due to a combination of more production, search algorithm changes by Google, and content syndication.

Overall, I’m just really happy there’s been a correlation with effort and reward. That’s all I’ve ever wanted, hence part of the reason why I left work in 2012. Every year since the birth of Financial Samurai in 2009, Financial Samurai has drastically outperformed the S&P 500 and the San Francisco real estate market. As a result, blogging has surpassed real estate as my favorite asset class to build wealth.

For poops and giggles, here’s another net worth chart if I manually input a business value based on recent comparable sales. The 30% spike is nice, but is also dangerous because it brings a false sense of complacency. It’s best to stay motivated as the economy softens. Just know that creating next level wealth is all about owning growth equity over the long term.

Net worth including market value of business = +30% YoY

Life’s Odds & Ends – 4 Stars

In May, I helped coach my high school boys varsity tennis team to the Northern California Sectional championship. This was the first championship in the school’s entire 40+ year history. This victory was particularly sweet because we had come so close my first year in 2017 only to lose in the finals to a school 3X our size. This was another incredible life moment that had nothing to do with money. I only got paid $3,500 for 3.5 months of work. The relationships I developed with some of the parents were a nice bonus.

My dad came to visit three times and my mom twice. My mother-in-law also visited twice and my father-in-law once. It is always great to see them, and I hope they continue to visit us more often. My dream has always been to have three generations spend as much time together as possible. Unfortunately or fortunately, all our grandparents want to remain independent and live in their respective cities. It’s hard to change the older you get, which is why I’ve been trying so hard to move to Hawaii.

I further strengthened a couple friendships. This is huge because as a stay-at-home dad, it’s often hard to make new friends or deepen friendships. There are simply less social events to attend e.g. happy hour. I love having a good buddy to shoot the shit with. I also developed a new in-person relationship with an FS reader, who also so happens to also be a professional athlete on my favorite team. Pretty neat!

I did some decent home maintenance projects this year: caulked the top of our living room window sill to prevent leaks, varnished all our wood planter boxes, rooted the upstairs sink that was clogging, re-roofed the leaking light well, maintained the yard, and fixed a leaky faucet at my rental. Man, I forgot about all this stuff until my wife reminded me. Thank goodness I sold the other rental.

Finally, we finalized our will and revocable living trust. My wife also led the charge getting us through this cumbersome and complicated process. There were so many documents to gather and questions to ask the estate planning lawyer that she estimates the whole process took her about 40 hours. But after we finally signed all the documents on December 20, I felt a huge sense of relief that I could die knowing that my wife and son wouldn’t have to go through probate court.

2018: 3.8 Out Of 5 Stars

Although I didn’t decide to take it easy per my 2018 goal, I have no regrets staying consistent with Financial Samurai. I don’t think I’ll ever change my work ethic until my body starts breaking down. The joy of writing is so tangible because it is an identifiable product that can be eternally consumed.

It’s been hard to accept no longer making a positive return on my public investments after nine years of up, up, up. I’ve got to do a much better job at not letting financial loss negatively affect my mood and my relationship with my wife. Not taking unnecessary risk will help.

During downturns, I envy those in professions that have nothing to do with the stock market. For example, when I asked my estate planning lawyer about what she thought about the stock market collapse in December, she said she had no idea because she outsources all her financial planning to someone else. What a blessing.

I also have zero regrets being a stay at home dad all year. Yes, the days were long and there were many moments of frustration, but just hearing his squeals of joy made full-time fatherhood worthwhile. All I want to do is squeeze and kiss him 100X a day! I’m so thankful my wife has been an amazing mother and partner all year.

Family and Financial Samurai are my two great loves. Everything else comes in a distant second. There was a point where we thought we’d never have a child. So we say a prayer of thanks every evening. Financial Samurai has been a part of me since the bottom of the last financial crisis in 2009. It’s like an old friend that has stuck with me in the worst of times.

The key is to not let my two loves collide, but to let them be synergistic. My family gives me motivation to write, while Financial Samurai is a creative outlet that helps ensure we remain stay-at-home-parents until we decide otherwise.

There’s always a silver lining to a downturn too.

For Financial Samurai, it’s increased traffic as more people are paying attention to their finances. Book sales on how to negotiate a severance are also increasing as savvy employees are trying to get ahead of the layoff curve. Finally, our passive income has also increased due to higher interests rates and my shift towards higher yielding assets like cash, bonds, and CDs.

For family life, it’s being less tempted to go back to work because the return on effort has declined. When all is in shambles, why bother dealing with a commute, company politics, difficult clients, and a declining company stock price.

I hope if my boy one day reads this article that’ll he’ll be proud of his dad. Although 2018 wasn’t a fantastic year, it was filled with many positive milestones.

I’ll be sharing my 2019 outlook and goals next. In the meantime, I’d love to hear some of your hits and misses for 2018!

Related: The Best Financial Samurai Posts For 2018

https://www.financialsamurai.com/wp-content/uploads/2018/12/Financial-Samurai-2018-year-in-review.m4a

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samuelfields · 6 years

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Financial Samurai 2018 Year In Review: Almost A Fantastic Year

Although 2018 ended on a down note with the stock market selling off, I feel good about how things unfolded. I’ll take the ratio of three good quarters to one bad quarter any year.

2018 Year In Review

Finances – 3 Out Of 5 Stars

My net worth is roughly made up of:

30% in stocks/bonds = -2%. After writing Your Risk Tolerance Is An Illusion in the Spring, I reduced my stock allocation in my House Sale Fund to roughly 52% from 70%. As bonds began to outperform stocks coupled with further profit taking, my end allocation is roughly 40% stocks / 60% bonds. Owning a bunch of equity structured notes in my other main fund has helped minimize volatility. But clearly I wasn’t defensive enough and should have taken more profits during the summer.

I’m disappointed with my public investment performance. This goes to show that no matter how concerned you are about an asset class or the economy, greed can override logic.

Net Worth Growth

2018 Net Worth = +6.5%

The key is to not lose all your gains to a bear market.

Related: Recommended Net Worth Allocation By Age Or Work Experience

Family & Fatherhood – 4.7 Stars

He is a determined boy

It’s also interesting it takes up to 24 months before a toddler’s fontanel closes. Therefore, we as parents might as well be as diligent as possible in trying to protect his head before his skull gets to full strength. So much about about parenthood the first several years is about survival – from preventing suffocation while sleeping to making sure they don’t walk off a ledge.

The better our boy sleeps and the more he is able to communicate his desires, the more rewarding parenthood has become. Because he is so strong-willed, his temper tantrums are also quite a challenge.

Related: How To Survive The Pressures Of Being A Sole Income Providing Parent

Health & Fitness – 3.2 Stars

At 41, I still haven’t sprouted any grey hairs, which is a surprise since I first got several grey hairs at 33, the year before I left my day job. The only reason I can imagine for this phenomena is that not working a full-time job is less stressful. It’s one thing to say how much better life is after achieving financial independence. It’s another thing for the body to show us.

Business – 4.8 Stars

I could not have tried harder to build Financial Samurai either. Here are some of the accomplishments:

Published three posts a week on average

Published three pages a week on average

Published one newsletter a week on average

Improved my short-form writing skills with the newsletter

Produced over 40 podcasts

Did several podcast interviews on other platforms

Launched the Financial Samurai Forum with 1,300 members thanks to my wife who set everything up over a year

Got mentioned in Business Insider, CNBC, MarketWatch, MSN, Apple News, Forbes, and Yahoo

Updated How To Engineer Your Layoff with a new forward for 2019

Increased overall traffic by 20% YoY, with 50% YoY traffic growth between August 11 – December 27

Net worth including market value of business = +30% YoY

Life’s Odds & Ends – 4 Stars

2018: 3.8 Out Of 5 Stars

Family and Financial Samurai are my two great loves. Everything comes a distant second. There was a point where we thought we’d never have a child. So we say a prayer of thanks every evening. Financial Samurai has been a part of me since the bottom of the last financial crisis in 2009. It’s like an old friend that has stuck with me in the worst of times.

There’s always a silver lining to a downturn too.

I hope if my boy one day reads this article that’ll he’ll be proud of his dad. Although 2018 wasn’t a fantastic year, it was filled with many positive milestones.

I’ll be sharing my 2019 outlook and goals next. In the meantime, I’d love to hear some of your hits and misses for 2018!

Related: The Best Financial Samurai Posts For 2018

https://www.financialsamurai.com/wp-content/uploads/2018/12/Financial-Samurai-2018-year-in-review.m4a

The post Financial Samurai 2018 Year In Review: Almost A Fantastic Year appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/financial-samurai-2018-year-in-review/ via http://www.rssmix.com/

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mcjoelcain · 6 years

Text

Financial Samurai 2018 Year In Review: Almost A Fantastic Year

Although 2018 ended on a down note with the stock market selling off, I feel good about how things unfolded. I’ll take the ratio of three good quarters to one bad quarter any year.

2018 Year In Review

Finances – 3 Out Of 5 Stars

My net worth is roughly made up of:

30% in stocks/bonds = -1.5%. After writing Your Risk Tolerance Is An Illusion in the Spring, I reduced my stock allocation in my House Sale Fund to roughly 52% from 70%. As bonds began to outperform stocks coupled with further profit taking, my end allocation is roughly 40% stocks / 60% bonds. Owning a bunch of equity structured notes in my other main fund has helped minimize volatility. But clearly I wasn’t defensive enough and should have taken more profits during the summer.

My House Sale Fund portfolio was up around 13% at one point until I gave all the gains up in the 4th quarter. Right now, it’s holding onto a tenuous 0.6% gain, excluding the huge rally on Dec 26. Overall, my public investment portfolio is slightly down, which violates my rule of never losing money post retirement.

House Sale Fund Portfolio went from +13% to just +0.6%

I’m disappointed with my public investment portfolio performance. This goes to show that no matter how concerned you are about an asset class or the economy, greed can override logic.

Net Worth Growth

2018 Net Worth = +6.5%

The key is to not lose all your gains to a bear market.

Related: Recommended Net Worth Allocation By Age Or Work Experience

Family & Fatherhood – 4.7 Stars

He is a determined boy

It’s also interesting it takes up to 24 months before a toddler’s fontanel closes. Therefore, we as parents might as well be as diligent as possible in trying to protect his head before his skull gets to full strength. So much about about parenthood the first several years is about survival – from preventing suffocation while sleeping to making sure they don’t walk off a ledge.

The better our boy sleeps and the more he is able to communicate his desires, the more rewarding parenthood has become. Because he is so strong-willed, his temper tantrums are also quite a challenge.

Related: How To Survive The Pressures Of Being A Sole Income Providing Parent

Health & Fitness – 3.2 Stars

At 41, I still haven’t sprouted any grey hairs, which is a surprise since I first got several grey hairs at 33, the year before I left my day job. The only reason I can imagine for this phenomena is that not working a full-time job is less stressful. It’s one thing to say how much better life is after achieving financial independence. It’s another thing for the body to show us.

Business – 4.8 Stars

I could not have tried harder to build Financial Samurai either. Here are some of the accomplishments:

Published three posts a week on average

Published three pages a week on average

Published one newsletter a week on average

Improved my short-form writing skills with the newsletter

Produced over 50 podcasts

Did several podcast interviews on other platforms

Launched the Financial Samurai Forum with 1,300 members thanks to my wife who set everything up over a year

Got mentioned in Business Insider, CNBC, MarketWatch, MSN, Apple News, Forbes, and Yahoo

Updated How To Engineer Your Layoff with a new forward

Increased overall traffic by 20% YoY, with 50% YoY traffic growth between August 11 – December 27

Net worth including market value of business = +30% YoY

Life’s Odds & Ends – 4 Stars

2018: 3.8 Out Of 5 Stars

There’s always a silver lining to a downturn too.

I hope if my boy one day reads this article that’ll he’ll be proud of his dad. Although 2018 wasn’t a fantastic year, it was filled with many positive milestones.

I’ll be sharing my 2019 outlook and goals next. In the meantime, I’d love to hear some of your hits and misses for 2018!

Related: The Best Financial Samurai Posts For 2018

https://www.financialsamurai.com/wp-content/uploads/2018/12/Financial-Samurai-2018-year-in-review.m4a

The post Financial Samurai 2018 Year In Review: Almost A Fantastic Year appeared first on Financial Samurai.

from Money https://www.financialsamurai.com/financial-samurai-2018-year-in-review/ via http://www.rssmix.com/

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yourrainycollectorhologram-blog · 6 years

Text

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I read that Visa covers the damage/loss insurance of rental car. Is that just for credit card? How about debit card? Thanks!

How can I get public health insurance in California?

I am a healthy thirty year old male in Marin County, but I've been rejected for health insurance twice now due to a reconstruced knee. What can I do?""

Insurance Q???

would my insurance rates go up if i title/register my sons car in his name

Will changing my Irish driving licence over to the UK greatly decrease my car insurance quotes?

I graduated from university last June and have since began working in England. I'm looking to get a car now but I'm finding that insurance quotes are quite high. I'm 26, male and have had my licence for 5 years, yet I'm being quoted in the range of 1,300-1,800 (for a Ford Mondeo 1.8 or a Peugeot 206 1.1). Any advice would be greatly appreciated.""

I need Health and Dental Insurance in NJ?

I'm self Employee, 30 year old male I need a Really good Health and Dental Insurance in NJ what are the best companies that provide my needs Under $700 a month, I dont need vision insurance""

What is a good place to get affordable health insurence if your employer dosn't offer any?

Insurance BIN Number?

I need to bring my insurance information to the pharmacy in order to get my prescription costs down. They asked for me to bring several numbers, such as ID #, Group #, etc. I got that, but it also asks for a BIN # . I don't know what that is or where to get that info, is it on the insurance card (I have Blue Cross)? I hope someone can help because I'm in a bind. Thanks, Patrick""

VW beetle car insurance?

Im nearly 17 and female and love, even though I know its expensive.. A VW beetle as a car soon. Any idea on what the car insurance may be?""

How much (estimated) would it cost for insurance on this mustang?

I am soon to be 16, and a family member has a 1998 Mustang for sale. I was wondering, any idea on the insurance? read below -4.6L V8 -convertible -all power, seat belts, airbags, etc. -VERY good condition PS we dont have drivers assigned to our cars, just the drivers and cars. also, the conv. top has a 4 inch rip in the seam. is this repairable or does it have to be immeadiatley replaced? i can wait to have it replaced if i can simply repair it. NOTE: I DIDNT ASK THIS QUESTION to hear your too young or mustangs suck I am a responsible teenager and Mustangs have been my passion since i can remember. so thanks. NOTE""

What is life insurance?

Life insurance is suppose to be used as a protection of income. In case you die, your family is protected from devastation of substantial income loss. But, many insurance companies are selling it as an additional source of income or as an investment, which is really is not. Therefore, many families who have life insurance are underinsured because these cash value life insurance are very expensive. If you are using life insurance solely for the purpose of saving up for a goal or emergency, why aren't you investing it in mutual funds or put it into an IRA? If you are afraid of the stock market, then open a money market account. If you are saving up for your kids education, then open a 529 plan. All these alternative ways are better than keeping your money in a life insurance because you never have to pay it back if you use them. As to life insurance, if you use any of the cash value, you will have to pay it back with interest.""

What is the cheapest and best health insurance out there for a single fella?

What is the company's name and what would I have to pay on a monthly basis? Thank you and good day!

Do i need to have insurance on a car im not driving?

I am turning 16 the very next April and i was planning on getting my license next year. Anyways i was looking online for cheap used cars that are suitable for teens because im paying from my own money. So i found this great honda civic for only $1,250 and there is only a few days left before the owner closes the sale and i really really want that car. So i was thinking buying it now and my dad drives it home and when i get my license he gives me the keys. But i was wondering do i need insurance even if i'm not driving the car? just keeping it in the garage?? because i do not think i will be able to handle the monthly insurance plans. as i said before im paying from my own money THANKS FOR THE HELP!!""

Do I Really need to tell my insurance company about my Conviction?

Hi, 4 and a half years ago, I had 2 speeding convictions. Both with 2 months. My driver is European (German) so there is no paper part and no part which shows points. My insurance runs out in 4 months however today I realised in the insurance papers that it does not show my convictions. I called DVLA and they informed me that the convictions had been removed because they were over 4 years old. My insurance ask about convictions from 5 years ago, Should I tell them?""

How is the mandate to buy car insurance different than the mandate to buy health insurance?

This seems to be a popular talking point among liberals. It saddens me that liberals are so partisan that they are blinded to the obviousness of the differences. So for the record, what are the two differences between the requirement to have car insurance and the requirement to have health insurance? 10 points goes to the most simplistic and straight to the point answer.""

""Conservatives, what is your overall opinion on insurance companies?""

Particularly: a.) Insurance companies that practice rescission in which a person who has paid into the insurance fund is subsquently denied what he has paid for because the insurance company comes up with an arbitrary reason for denying the needed coverage. b.) Rationing. How do you feel about insurance companies who decide if a procedure is in their best interest and deny to someone a life-saving procedure because it isn't profitable to them in the long run? c.) Denials. Someone who works and wants health insurance and does not qualify for state aid because he actually works for a living and pulls his own weight, but can't find a job with benefits (increasingly common, and why are employers expected to foot the bill for insurance as they don't pay for your car insurance or renter's insurance and this limits job mobility and the ability to start small businesses), and is either outright denied or charged more than his monthly salary? d.) Do you think that if rent, clothing and food cost as much as monthly premiums for people with pre-existing conditions, that we would be in serious trouble? e.) How do you feel about people who had the misfortune to be born with a genetic pre-disposition to an illness, i.e., breast cancer, ovarian cancer, Crohn's Disease, Lou Gehrig's Disease, MS, Alzheimer's, haemophilia, etc. f.) Do you think that an emergency room qualifies as part of preventive, ongoing treatment or that it's not cost effective for sick people to wait until they are at the worst stage to get necessary treatment? g.) Can you explain how several nations, in fact the overwhelming majority, that have universal health care have still remained free, capitalist, prosperous nations, i.e., Australia, New Zealand, Ireland, Norway, Luxembourg, Malta, Netherlands, Japan, Israel, Singapore, Austria, Switzerland, Belgium, Finland.....they didn't go communist, and the people do not live in gulag states.""

Good question about financed car and insurance.?

I'm insuring two cars and my rate is high. I would like to know, Is it possible to tell my insurance company that my car is no longer finance (even if it still is) so i can switch to a liability coverage and lower my rate. Is my insurance company going contact my finance about detail...""

Cheapest car insurance company?

hey can u tell me the cheapest or most resonable car insuarnace company that covers northern ireland.... i have tried gocompare.com but it dosnt give me quotes with certain insuarance companys like directline or autoline thanks

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Average insurance for a 500 cc motorbike?

hi, im 18 and soon will have passed my driving test, im hoping to get a restricted Honda cbf500. but it all depends on how much the insurance is. can anyone guess the average third party insurance for an 18 year old on a restricted cbf500. o and i have a 2 year no clams bonus on my 50cc scooter. don't no if that makes any difference""

Cheap auto insurance online?

Where can I get the cheapest online auto insurance?

Affordable dentists near killeen tx?

I have an abcessed tooth and I'm in alot of pain. I don't have insurance and just want to get it pulled. Need to find an affordable dentist who won't charge me an arm and a leg. Please help!

""New driver, average car insurance?""

Just wondering here, to the new drivers, how much do you pay per month for car insurance. I am canadian so that would be helpful too. If I were to take drivers ed and then get my g2 that way...What would I be expecting to pay monthly?""

How much does your insurance go up after a ticket?

I got to experience how effed up and corrupted California's judiciary system is today. I go to check if I'm eligible for traffic school at my courthouse because it never said I wasn't when I paid online and I find out that I'm not. I never got any notice or anything and the people who helped me said its not they're responsibility to tell me if I can go to traffic school or not. Government workers who get paid way to much dont have the time to give me a heads up on if I can go or not I guess. Its my responsibility to but this area is foreign to me, I dont know anything about these laws and everything that goes with it. So I lost out on a non-refundable 60 dollars for no reason. I had to pay online because I would have missed a whole day of classes I had. That was more important then wasting my time at the courthouse. What I want to know is, how much is my insurance going to go up because of this ticket? Its at about 650 right now""

Good low cost medical insurance for a 20 year old female working through a temp service?

I am 20 years old and I have no medical insurance and I really need to go to the dentist and have a check up at my doctor. I haven't been to either in probably 4 years. I am very uneducated on insurance so any help is greatly appreiciated. I want to make sure it's someone that my doctor and dentist will accept. I have a good job but it's a temporary service that doesn't have insurance benifits. Any suggestions?

If requiring people to have car insurance is the same as requiring them to have health insurance then why?

Wont the US government help you pay your car insurance if you cant afford it? Isn't car insurance a basic human right?

How much does car insurance cost for a new driver?

How much does car insurance cost per month for a new driver (16 years old) in california?

A good first car that is cheap to insure?

Hey well I am a 18 year old male and am looking at first cars but i want something that looks good cheap to run and has CHEAP insurance, can anyone surgest any motors?""

What is proof of insurance?

I am still on my parents insurance and was planning on renting a car(yes, I' am old enough). They require proof of insurance when renting and I was wondering how that works. Do I just show them my parents proof? And is it just the paper work in the glove box of one of our cars?""

How much is insurance for a 2001 mercury cougar. If I am 16? (EST.)?

With this. I am 16 year old. live in MN first car. go on my parents plan. B+ average. And just no Liability. Not any other plans like coverage ect. Just No liability. Thanks! Oh it's in a metro area too

Should I take health Insurance?

I am 30 years old and have no medical history. Should I take Medical Insurance?

Best non-owner liability coverage insurance?

What is the best non-owner liability coverage insurance in New York ?

""Car Accident, Cheep car, did not go through insurance.?""

Me and my friend were going home. I was being an idiot and tried drifting. I over steered and ended up on top of 2 stumps. The axel broke and the car was not drivable. The cost was only 500 dollars. It was not worth fixing it. I asked him and he said he was fine but his back was little soar. The next day i gave him a call and he said that he will not go to the doctor and that the back will fine, its just a little soar. 2 days after he went to the doctor and told that he got into a car accident. Why in the hell a best friend would do that?... They asked for the insurance information. The medical insurance would not pay for it, thats what he said. The bill came in 2 weeks later for 1700 dollars. What should i do?""

""Monthly Insurance for a 16 year old, if he were to get a G37 Coupe? IS250? IS250c? TL 2010?""

How much would it cost? an estimate? I heard grades, colors of the car, and other things like that affect the insurance cost? Well if it does, he gets 4.0 and he wants a Black. We live in CA. And our insurance company is Farmers, but I would just want a monthly insurance cost. thank you!""

Where can I get cheap bike insurance?

I'm having trouble getting a decent quote for my ZX7R, due to my no claims being void becase I haven't ridden for 4 years. Can you help?""

Where can I get the cheapest price on my car insurance renewal in the UK at the moment?

Does anyone know which company(s) is doing any good deals at present on car insurance. I have four years no claims and over 25. Have you recently had a good quote? Let me know!! Thanks.

""Axa car insurance, am I insured?""

I have my toyota avensis 4 door saloon car insured through my broker with Axa. The insurance certificate i have received says 5 door hatchback. I have rang my broker and have been told Axa do not recognise an avensis D4D vermont as being a 4 door saloon. I know what car i have, now i wonder am i really insured, if the insurance policy and the tax book dont match.""

Will the insurance company declare my car totaled ?

Well, someone hit my car yesterday early in my parking lot, (((seems to be a DUI, not sure!))), the police came and fill the report... now we sent the car to the body shop and they said that the repairs will cost around $ 12.000 maybe more.... Now, the car price was $ 25.000, we bought it 2 years ago and we checked in the blue book the actual cost and it is around $16.000... my question is, do you think the insurance company will declare my car totaled ??? The body shop guy told us that the car will lose 70% of his price because of the accident even if it is repaired... If the car will lose 70% of his value if it is repaired, and the insurance company decide anyways to fix it, what we can do ??? Pd. The hit wasn't our fault at all, it was in our parking lot and this crazy drunk driver just run over it :(...""

Do you have to have a valid drivers license to purchase car insurance in Arizona?

I do not have a drivers license, however I do have the money to buy a car. If I buy the car, can I get insurance on it until I do have a drivers license? Could someone else drive it during this time? Would I need to put them on the insurance? What if I was making payments on the car still? I have an opportunity to buy this car now and I would like to, but like I said, I don't have a license. Thanks.""

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.""

How much will my insurance be if im 16?

Well im 16 and I just got my license 2 days ago and I want to get insurance on a 2005 wrx sti sedan and we just got this car no one is insured on this car yet and I want to know how much the insurace will be per month or year, I havent had any tickets yet and never crashed. Can someone please help more or atleast give me an estimate or educated guess if you dont know. Thanks to anyone who helps.""

How much should I expect to pay for car insurance?

Im not 100% what year but I am planning on getting an 09-10 Mazda speed3. Maybe a new one but its a long shot. I am currently 19 and in the police academy. So I don't know if being a cop will affect my coverage. I am actually waiting until I graduate before I buy the car. I just want to determine what I would pay to see if I can afford it. When I actually get the car it would be my 3rd year with a license. I have never had a car in my name before either. This will be my first one. I am also planning on financing the car. What should I expect for monthly payments?

Why is my car insurance so high?

Im 17. Have a Peugeot 306 and im paying 533 on a provisional license.. however i have my test in 4 days and expect to pass.. my insurance will increase to over 2500.. My car is 1.4L on a P reg (1997) and im currently with Quinn Direct, my friends of the same age with similar cars are being quoted 900 to 1500.. why is mine so high!?!""

First time having car insurance of my own...?

I am getting my first car next month and I was wondering how should I determine how much insurance I need to have. I'm buying a care that cost 3600 and is worth 4000 right now and I'm a college student even though I don't not travel to and from home much. How would I determine what I need and dont need as far as coverage goes? I will be paying cash so no car payments.

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What do small business owners usually get for affordable health & dental insurance for themselves?

Where to get cheap full coverage car insurance in san mateo california?

Camera insurance for not professional?

I would like to buy an insurance for my camera. Please write only the link for not professional. Thank you so much! USA

What's the insurance costs on a 1989-95 nissan 240sx?

I'm sixteen & mostly going to end up getting this car & was wondering how much it would cost out of curiosity

When do you get your infrant car seat base installed by the California highway patrol?

Do they check for insurance on the vehicle?

How do I renew my health insurance card in the U.S?

I am 15, and my health insurance card a few months ago. How do I renew another one? Do I have to sign up all over again and do all the paper-works or I just have to go to that place and ask for a new card? May I get plenty of details about this? Because it's really important to me. The person with has the BEST answer will get pretty awesome points. Thanks :)""

Two car insurance policies?

My parents are trying to get me insured on their car which they already have a policy on but it is too expensive to put me on that. Is it legal for me to take out another insurance policy on the car in my name only?

Is she paying to much for auto insurance?

my aunt is 35 got a license a year ago has no accidents and she pays 200$ a month for minimum coverage for a 1999 Plymouth breeze. this is in new york....it's some local insurance company oh she has no credit..? i can just imagine how much I'll be paying after i get my license this summer at 18!

Is this a good insurance quote ?? from quinn direct!!!?

ive just got a renault clio 1.3 1993 automatic k reg, very clean an just had new cam belt an sumthing else lol an new tyres lol so just passed all the mot, !!!yeah!!! lol so ive been quoted 318.56 no claim bonus im going on as provisinal driver an my partner as a full clean license. do u think that is a good one ? or can it get any cheaper lol""

How much would insurance be for a Nissan 350z?

I'm 17 and about to turn 18. My driving record is clean, no speeding tickets, no crashes or anything. I want to get a used Nissan 350z but i am just wondering how much would insurance be for it? DONT TELL ME TO ASK MY INSURANCE COMPANY OR GET A QUOTE ONLINE! I just want to know how much it would be. thanks""

""Add a teen to auto insurance policy, please help.?""

My dad is getting ready to renew his car insurance, I got my learner's permit in December of last year, and I do drive the car a lot, (with him of course....or not) but if he include me on his policy his premium will be over $1000, move like $1400 - $2000. Just because he added me to his policy, and his insurance company told him he HAVE TO include me on his policy, but I heard some where if you have a learner's permit, you do not require to be on your parent insurance policy? Or something like that......Is this true? Normally his car insurance only cost like $480.00/per 6 months, I hate for him to make me go out to get a job just to pay the car insurance and to drive.""

Who is the best auto insurance agency?

Currently have USAA, but it seems that they just charge for the general population rather than going into more personal charges. Since they are not locally based in NV, they charge for all the other boneheads out here rather than my own driving record.""

Any reccomendations for a good dental insurance??

i have health insurance through my job, but they do not offer dental.""

Are there any crotch rockets or street bikes in which i could get cheap insurance for?

Traffic Citation for no car insurance What should i do?

Hello I have a question concerning a Traffic citation that i got 13 days ago. On the 21st of November i got pulled over for a blinker that was out on my car. I had bought this car from a friend 3 months ago and hadnt didnt redgister it into my name or have current tags. I had insurance for the first month that i had the car but then due to finacial problems couldnt afford the extra 220 a month for car insurance. So the State Trooper gave me a citition which written under the description only said no proof of insurance. So the a couple of days later i went and got insurance, redgistration, tags, license plates the whole nine yards and i went into the trooper station to clear the citation cause it is correctable but the lady tells me i have to show proof of insurance from the day of getting the citiation. so my only opition is either take this to court or pay a whooping 540$ and 6 points off my Driver's license i was wondering if i should take this to court?""

Insurance.. Buy out a car or pay monthly payments?

I know it depends on the cars but say I bought out a car for 6-8k or I payed monthly payments for a 13k car, put 2k down. How much more would it cost for insurance instead of buying out a car?""

Car Insurance Payout?

I have a car in Ireland, it was stolen the other night. But I am working in the US at the moment. My car is fully insured, but because it was left in the driveway of my girlfriend, will there be a problem getting a payout. It is worth about 5000 euros, how much should i expect to get??? Thanks!""

Need cheap no-name insurance companies for motorcycle insurance?

Well, i live in Florida where motorcycle insurance is not required at all. But I need comprehensive insurance at least (and maybe liability too) so that I wont have to cry over a stolen bike after a week of purchase. I'm buying this bike in cash (2008 ninja 250R) and still big insurance companies like progressive and geico will charge me a thousand bucks a year for liability and comprehensive coverages alone. So, I need to know the names of some small insurance companies who wont use their big and flashy names to jack up their prices. please help. I dont wanna pay 1000 bucks a year for a 3500 dollar bike. Thanks.""

Car insurance quotes?

About how much would car insurance cost for 16 year old teenage driver in florida. The car would possibly be a 2005 convertible.

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?

Provisional insurance for young driver?

Looking to get insured on my mums car but my mums insurance company wont put me on her insurance,,,, could i get insured by a company such as provisional marmalade? Any other suggestions?""

""Would insurance be high for a 1999 VW Jetta? My first car, 16y/o girl?""

I'm looking at a 99 VW Jetta on Craigslist for $2000. Here's the exact listing: http://pittsburgh.craigslist.org/cto/3371425857.html Obviously this would be added on to my parents car insurance since I'm still a minor. I have to pay my insurance though, so how much do you think it would be?""

Pregnant with no insurance?

im only 6 1/2 wks pregnant but im a planner. i have no insurance and do not qualify for any government health so we are paying the hospital $200 a month til my baby comes to cover all the ob bills and hospital bills and my 6 wks check up after the birth. my question is......is there a such thing as infant insurance? ive looked all around online and cannot find insurance that will cover a baby til their first birthday. i know that a baby has to go to the dr alot the first year so i'd love for our child to have insurance. my hubbys work does not offer insurance. thanks for your help

Car insurance...under 25?

who provides the cheapest car insurance for a lad age 21 in the UK

How much does car insurance cost for a 18 year old?

I can get my license anytime now. North Carolina doesn't offer good student discount. I'm Asian, will be driving my dad's 2000 Ford Windstar with 70,000 miles. My dad says that adding me on to his Allstate account would cost 1100 every six months. That sounds a little exaggerated. Is there anywhere else where I can find cheaper insurance?""

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Is obligation have a motorcycle insurance in the USA?

Hi, im in Friona Texas and i have a car, but insurance is so expensive because im 20, so i think in buy a motorcycle because i hear that the motorcycle insurance is more cheap than car insurance, but is this truth? I hear than pay 400 for year So how much pay for insurance and is obligation have a motorcycle insurance?""

Can Geico save you 10% on car insurance?

Bonus question: I have AllState, am I in good hands?""

Where can I find a comparative listing for auto insurance rates?

""If I get liability only insurance, and somebody else crashes into me, will I get my car repaired?""

My grandma recently gave me a 2005 civic as a gift. Its great but comprehensive insurance is $230 a month. Ive looked around and thats about as cheap as it gets (I am a teenage male that's why its so expensive, despite my flawless driving record). I have been considering getting liability only insurance for a month or 2 because I need to get more hours at work to be able to afford comprehensive. If I get into an accident thats not my fault will i be out of luck or will the at fault driver have to repair my car?""

Can I get sued if my son gets into an accident and has no car insurance. He's 21?

My son is 21. He has 2 jobs. He can't pay the car insurance so he has no insurance. Were worried about being sued cause he still lives at home and he's 21 years old in new york state. Are we still liable

Is it called a fix it ticket when you get a ticket for not having insurance in California?

Price of insurance for a 2002 Porsche Boxster?

My uncle's selling me his 2.7l 2002 Porsche Boxster. I'm a 16 year old boy and this will be my first car. What do you think the monthly price of insurance on it would be? I know that I should ask an insurance agent, but I just want to know what I should expect it to be around. Thanks:)""

""Hit a mailbox, will cost $2,500 to fix, how much will my insurance go up?""

The other night i crashed into a mailbox. It was completely my fault and it will cost $2,500 to fix it. I was wondering how much my insurance premium will go up per year about? I am 20 years old and have gotten 1 ticket before.""

I'm moving out of state - do I have to change auto insurance companies?

Explanation - I went through a local auto insurance company called ABC Insurance (not the real name, btw). They got me the lowest rate through XYZ Insurance, out of a different state. I'm moving out of state in a few weeks. Do I have to worry about finding a new insurance company if the one I pay my bill to is out of state anyway? After the move, I will actually be physically closer to that company... but still out of state. I never deal with ABC anyway. It's like they are just the go-between that found me that company.""

Insurance for a 16 year old?

Im currently looking around for my first car. What would the insurance be for a 16 year old male for a 2005 chevy silverado. Also what would the insurance be for a 2001 camaro. I have a a good gpa if that helps. Also Travelers insurance and live in Connecticut.

What is the best car for insurance prices for a male driver under 25 in Ontario?

I am looking to buy a car and I know insurance will be expensive because I am a male driver under 25. I want to know which car would be the cheapest to insure in my situation. I have no tickets and no points. Clean drivers abstract.

What company should my son contact for affordable health insurance in the state of Virginia?

Teen Car Insurance + Accidents Clarification?

I'm a 16 year old girl who just got her license in March. A week after I got my license, I rear ended another car while driving my mom's new car that is insured. We got it fixed and only had to pay the 500 dollar deductible. I do not have my own car. My sister, who is 19, has her own car that is not covered for collision. My dad's car is not covered for collision either. My sister just got into an accident, rear ending someone as well. I really need to get a car next year for work and such but my parents said my insurance would be high enough already with both of me and my sister's accidents. Couldn't I just buy a car on my own and not get collision coverage on it like my dad and sister's cars? Would that be cheaper? I really don't know how car insurance works at all, i only know what my parents tell me, so any help would be appreciated :) Oh, and if it matters, I went to traffic school after my accident to remove the points against my driving record (I think that's what it did) My sister had already gone to traffic school recently for a speeding ticket so she can't go again for her accident.""

Cheapest car insurance?!?

Im getting a car next week and i need some suggestions on the cheapest car insurance with full coverage im looking for around $200 a month or less im a new driver im 19 so i know its gonna be pricy. I live in Pennsylvania

How much does Geico car insurance cost?

Is farmers insurance that bad?

I've read a lot of bad reviews about farmers insurance. i have an interview with them next week for a bilingual office claims representative position... What would be the career goal at this position. to become an agent in the future?

How do I get health and dental insurance?

I am getting married soon. I will be 18 and he will be 21. I have blue cross blue shield through my dad's work and the magnolia health plan(kinda like medicaid) bc I was adopted. ...show more

Has anyone heard of transamerica health insurance and if so is it worth it??

Thinking about getting insurance and would like some input on the Co.

Can I cancel my auto insurance because I am leaving the country for 3 months?

I am leaving the USA for 3 months so I was wondering if it would be possible to cancel my auto insurance for these months and not pay the monthly premium. I will not be driving the ...show more

Car insurance rates for men vs. women?

I was just wondering if there were any car insurance companies that charge higher premiums for men and in what locations are they higher. I was looking at a study that says that men are more dangerous drivers. Statistically men get into more accidents and cause more accidents with severe injuries. I live in Michigan and I don't think that insurance rates are higher for men here. Thanks for your answers!

Will a pacemaker affect my car insurance cost?

What ia a cheap first car to buy and insure?

I'm looking for a car for when I pass my test. What are the cheapest cars to buy ans insure which are reliable as well?

Can I still appeal what happened on my car insurance?

During the December Blizzard Massachusetts had my car slid down a hill and hit a curve and they had to total my car.... Now since I was the only driver I am 50% at fault for this accident Anyway a lot of people have been telling to appeal it as an act of god. Problem is I have been too busy trying to get a new car that it went past 30 days from the surcharge notice date and I need to know if I can still appeal this. I am a safe drive and I was going maybe 10 mph down this icy hill when my car slid on the ice...Please any help would be appreciated

Can anyone reccomend a cheap car insurance company?

My Husbands car insurance is due to run out the end of this month, however he is also waiting to see if someone puts a claim in against his insurance as he had a slight prang with another car, through no fault of his own. His insurance company have said that whie they wait to see if this claim is put through, the other person has 2 months, then they are going to charge him as if he has no noclaims bonus, this will be 120 a month. He just wants to find a company that will insure him for a couple of months that is cheaper than this till he sees if the claim goes through or not, if it doen's he will have 3 yeas no claims, hope this makes sense, thanks in advance x""

My Car Insurance Company Is Telling Us To Add My Two Sons Into My Policy.?

My sons had their license for a while now. Few months if I'm correct. They are 18 and one is 16 turning 17 in a month. Ever since they got their license, they haven't drove because they didn't have insurance. I refused when they asked because the cost was about $250 a month for each. We live in California and have State Farm. Recently, I've been getting mails and calls that I NEED to add them to my policy. I was wondering is it was really necessary because they never drive and they don't have access to my car. I only have two keys to my car and I keep it with me all the time and I'm a house mom. So the point is, they never drove the car and never will until they get insurance. So my question is, do I really have to add both of them to my policy? and if I do, do I have to pay? and if so, how much? Would it be the same as what I was told when I first asked about the cost of insurance? Which is $500 dollars a month for both.""

geico home insurance retrieve quote

https://www.linkedin.com/pulse/libby-montana-cheap-car-insurance-quotes-zip-59923-joshua-mccormick/"

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decadenttimetravelmentality-blog · 6 years

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What is a private jet’s insurance price? and maintenance costs? Averagely.?

"What is a private jet's insurance price? and maintenance costs? Averagely.?

For school I have to do a business plan. We are creating a fictive private jet renting company in Colombia but i can't find these informations. It is really important as i is part of our financial statements. Thank you very much.

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

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Car insurance price ?

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How cheap would my insurance rates be?

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

Car insurance problem!! I need help!!?

I got in a fender bender yesterday. Did a little damage to my car, but just scuffed the ladies bumper. The cops came and gave me a citation for failure to yield. Here's the problem though, I dont really have insurance, i just have cards saying I do from awhile ago. The cops put down that I have insurance. I called the woman later to tell her I wanted to settle the ordeal with cash without making a claim to insurance and shes cool with it. So! My question is...Is the BMV or cops going to find out I didn't really have insurance????(I live in Ohio)""

Cheap health insurance?

anyone know of any cheaper health insurance (maybe like $ 50/mo) i am a single student. i know my school provides insurance in case of emergency. but i am looking for something to help cover my prescriptions & doc visits.

""If you move to a higher-cost car insurance state, when does the increase take effect?""

If I move to a new state that has higher car theft and higher minimums, which I imagine would definitely increase my premium, would I have to pay as soon as I told the company of the address change? Or, would the increase only be seen on my next bill (a few months later)? This is for moving from Arizona to Washington, if it matters. Thanks!""

Where can i find a cheap mustang and a good deal on insurance?

im 18 and my insurance is cheap but i dont no how much it will go up if i get a mustang. i live in ohio and need a place near me so i dont have to go far

What is a private jet's insurance price? and maintenance costs? Averagely.?

What is the cheapest car to insure for a 17 year old?

me and my Dad would like to know how much car insurance would be for a 17 year old and what would be the cheapest car. Now... I know theres no such thing as cheap car insurance but here's the details... I have already been on the road for a year (moped) I am doing my test in July (I'm not 17 yet but we just want some rough estimates) I will be insured on my dads insurance as a second driver (It's not fraud, its perfectly legal because its an option on most car insurance websites) Thanks so much for the help, George.""

Buying car and insurance without driver id in ohio?

hey...i found a very good car deal and i don't wanna miss this car but i just came to usa and i don't have a ohio driver id...(i got my own country's driver id) i have scheduled my driving test for next week but i want to buy this car this week for sure...can i buy the car from owner without driver id ? and if ican buy the car can i buy insurance for this car without driver id ?

Drive like a girl insurance help?

Im due to take my driving test next month (all goes well) and my parents are VERY keen to get the cheapest insurance quote possible (they are arabs, they will find it.. lol) Anyway I have recently discovered the 'drive like a girl' insurance company and after reading through it decided it looked really good. as I haven't got my full license yet I cant get a quote from them, so for anyone who has insurance with them- could you please give me a price estimate?! I live in a good area just outside of London so im lucky with my quotes. I have an X Reg Ford Ka and most of my quotes have been around 2000 but I have had one at 1600 and another at 1795. Both of those were without telematics box which is why im looking at one now. I cant have one with time restrictions- mainly because I sometimes work until 11 at night and I also care for my sick brother who may need to be driven to the hospital in the middle of the night (would this matter?) Thanks guys for taking the time to read and answer this question.""

Help a 21-year-old choose car insurance?

So I have a 2001 jetta that's being financed. I need full coverage and I have to start looking soon. Anyone havesuggestions on where to get a quote from? What should I expect paying for on a full covered vehicle? By the way, I have a clean record, never been in an accident and this is my first time getting car insurance, or any type of insurance. Thanks in advance...""

I need cheap insurance thats reliable?

In San Diego

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I was in a car accident today, driving the speed limit at about 30 miles per hour in a residential neighboorhood, not paying attention and struck the car to the left of me, damaging the driver's door of my car and the other car's passenger door. He was driving his company's truck. I already have an accident on my record from 1/06 that was my fault (not a huge accident, but not a super minor one, no injuries). Today's accident caused no injuries. I can tell my car door and the front bumper will need replacing. I assume that the other car needs the passenger door replaced. My annual insurance premium is $3,240, but last month a traffic ticket just came off my record. My car is a four door 2004 Honda & I am a 42 year old female who lives in Fremont, CA. I'm fearful my monthly car insurance payment will go up a lot! Does anyone know how much it will go up? Thank you so much!""

Home Insurance replacement cost?

Anyone have any idea how insurance companies figure out what it would cost to rebuild an entire house if it burned down or blew away...I live on long island....I would assume it is the square footage multiplied by a cost per foot....any ideas what the actual cost per foot is today????

Auto Insurance In California : how far goes the liability?

I am french and don't know anything about auto insurance in the US. I just received my driver license 2 months ago and a very old bettle (1973, value < 1500$) as first car. I never drive before (even in France), I have a clean record. How work the liability here? Let's say it's not my fault but I crash in a schoolbus and 3 childrens will need medical treatment for the rest of their life because of me. Who will pay for it? And what if it's my fault? [ In France, we have something called civil responsability that will pay for that. It's automatically included in every car insurance. ] I am also browsing the net for cheap but good insurance. I want it cheap because the car is worth nothing. But I want it good because i am a young (no experience) driver. Any tips and links to some websites are welcome. Thank you very much.""

Car insurance for one day - for driver's license test. possible?

So I'm hoping to use my mom's car to take the driver's license test in a few days. I live in the United States. The problem is I'm not insured for her car, but to do so for the full term costs a LOT (I'm 21). And, I'm moving back to school and probably won't drive her car again for a long time. Insurance is necessary to take the test, right? If so, is there any alternative to getting 6-month or whatever coverage?""

""If my mom adds me onto her car insurance, about how much would it go up?""

I'm 17 Shes with GEICO Its a Buick Rendezvous SUV (2004) Our zip is 33312 (South florida, if this helps for those answering that may be in my area) I have a clean record B Average in school""

Can my car insurance company raise my rates if my CA Drivers License was put on hold?

I'm just curious. Can they do that? I was pulled over in 2010 for driving without car insurance or registration and I was given a ticket. I never paid it (I didn't have the money at the time but I just paid it off as of Jan 2013) and I got a notice from the DMV saying my DL was going to be placed on hold (basically suspended) until I paid it then it would be released. At the time I found this out I was trying to insure my new car, and the company told me because of that my rates go up. I've seen my DMV record, it does state that my DL was placed on hold, but it didn't cost me any points. So I still have 0 points on my driving record. Can the charge me more for that? Also no judgement please, I dont want to go into a long story. The ticket from 2010 is a long story and partially caused by a controlling abusive ex. He is now gone, and I am almost finished cleaning up the wreckage he caused, the ticket being one of them.""

Car insurance for 17 year old?

hi im josh and im 17 years old can anyone tell me how to get a cheap car insurance quote from anyone. please help me??

NY resident sport bike motorcycle insurance cost?

i am 18 years old going to be 19 at the end of march, clean driving record and have a motorcycle permit. live in CNY oswego area and i am wondering how much roughly it would cost for me to insure a 600cc crotch rocket. thank you""

Health insurance??? Problems with the system??

How can an 18 year old get dental insurance in the state of texas?

I just turned 18 and i want to get all my insurance started. so in the state of texas, how can i get dental insurance.. i really need to fix my teeth without burning a hole in my pocket.""

""I have asthma and lost my insurance, help?

I live with my family an was fully covered on their MEDICAL. Recently I was put on share of cost and cant afford the deductable but I have asthma and can hardly walk a few blocks ...show more

""What are some type of insurances i can get,if so what company?

because i want some type of insurances in the future but know what kinds there are.

How much is car insurance for a 2009 Benz C300?

I'm 27 years old. I live in the Bronx, New York. I have good credit. TransUnion: 765 Experian: 764 Equifax: 734 I want to financial or lease (I'm not exactly sure what the difference is. Do I still have to get full coverage regardless of which I choose?) a 2009 Benz C300. It's valued at about $30,000. I live in an apartment with my father who has a 2001 Pontiac Montana. He pays about $150-$200 per month in insurance. I tried to find out how much it would cost on Geico and they called me and told me it was gonna be $150 for the first month and $140 for the next seven months. I thought there must have been some mistake because how could it cost the same for a new car and raggedy car? The guy was like, Well, looks like we can get you a great price . Is this a ploy to get me to switch insurance companies and then they'll charge me higher rate after the first year or something? I think they must have thought I already own the car outright and didn't know I was planning on financing it. Or is it because we will have two cars from the same household an we'll get a multi-car discount. I know this was true when my brother had a car on the same policy with my dad and they got a discount, but they lived at separate places. Me and dad live together, so I think they won't even allow me to get insurance. Someone please tell if this is true or not. My friend, who thinks she knows it all, said its a scam and they will charge me alot more as soon as I sign up. But believe me she's just jealous cuz she's high class and I live in the Bronx and she makes way more than me and doesn't have a Benz. So, she is definitely just assuming. If you know for sure let me know you know or that you think that's what will happen. I assumed the insurance would be $400 - $450 per month. Also, if anyone has some idea what the financing per month with credit like mines on a car like this would be, that would also be appreciated. I have never been any serious car accidents, had a DUI or DWI. I hope someone has experience with financing a nice car and insuring, so I can get at least a ball park estimate on how much I will expect to be paying. Thanks for the help!""

""How much do you think my car insurance will be, rough estimate?

im 21 years old. i have 2 speeding tickets on my record both of 11 over in the past year. i live in kansas and i am planning on buying a 1998 dodge viper gts with 490 torque 450 horse power. just curious if someone could give me an idea of what my insurance would be monthly.

How accurate are online auto insurance quotes?

For example, Geico, Progressive, or Esurance? Are they accurate if you are honest about the information? And even though they don't ask for the VIN number?""

How does car insurance work?

I'm looking at getting car insurance but I'm confused how it works i want to pay monthly but u cannot afford to pay the deposit and a month in advance PLEASE HELP! xD

What is cheaper for insurance mustang or charger?

well they would both be 2007. v6 cause my insurance is already high. and what one would you choose i want a mustang but alot of people have them but a charger has a big body

Car accident with no insurance?

I got into a car accident today and totaled my car. the other vehicle just had bumper damage. come to find out my insurance tried to take my payment out my account but were unsuccesfull so they canceled it a month ago. whats gonna happen since i am at fault and no insurance

Will this up my car insurance?

If I buy a normal Volkswagen MKV Golf, and get a new bumper fitted and put some black alloys on it, will it up the insurance by much? I'm not trying to 'chav' it up, I simply want more of an R32/Jetta bumper and grille. I also want to have the interior retrimmed in white leather, how much would this up the insurance by? Thank you :)""

What is the cheapest car insurance place?

Does anyone know a good cheap insurance company for state minium in Tulsa, OK? I pay 150 a month now. i have tried places such as Safe auto, Farmers. etc. All those places are way to high. Im 19, drive a Saturn L300. If that helps with anything. Im looking for something Cheaper than 150. Thanks guys.""

What is a private jet's insurance price? and maintenance costs? Averagely.?

https://www.linkedin.com/pulse/how-much-average-does-cost-have-16-year-old-student-my-eulah-rosenda-1"

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