#because it was the 60s and safety wasnt. a thing they considered.

[princessamericachavez]

Do you remember what episode was it when they were talking about how to split rooms and Veth suggests Jester and Fjord share a room and Jester turns it down and makes it a point to go to the other room where Fjord wasn’t in? Is that the same episode Caleb tells Fjord that Jester can punch him through a wall?

Oh man. I feel like this ask is super passive aggressive, but just in case it isn’t... sure, I’ll play.

The episode was ep 54 “Well Beneath” and both interactions happen at the same time, but I suspect you already knew that, anon.

I think there’s a couple interesting things that keep getting overlooked when it comes to this exchange when Fandom talks about it, though. Especially when painted as proof that Fjord doesn’t respect Jester’s strength as much as Caleb does. Which absolutely isn’t the case.

I think, firstly, for context from Fjord’s POV it’s worth noting that this is very soon after the Pirate Arc, in which he struggled for weeks to precisely keep his friends safe under constant threat and felt responsible for it. Secondly, during that arc he slowly became more aware of the way Jester’s cheerfulness is a front. Starting with the jellyfish talk and leading to his efforts to cheer her up after the whole blue dragon thing, which we know he feels responsible for despite it being an unfortunate mix of events. He also started becoming more aware of how much her support meant for him (see the second temple, in which he was moved by her concern but also kept complimenting her fighting and spells at every given turn). Finally, let’s not forget they were preparing to sleep in a super shady place and boys and girls were going to room separately. I would argue, after the Iron Shepherd’s, there’s certain degree of separation anxiety for Fjord and, as far as they knew at this point of the Xhorhas arc, they were in hostile territory. So no, Fjord isn’t saying “Jester I think you are too weak” he is saying “Jester, your safety is important to me and I am trying to be more vocal about it”. In a hilariously misguided way, which is hilarious for someone as smooth as Fjord, but later experience has proved he gets very clumsy around her because of his growing crush.

As for Jester’s reaction, I think it’s important to note, first and foremost, that she was already crossed at Fjord and Veth before this conversation. She was pissed because she was nearly out of spells and asked them not to go into the well to investigate because she wouldn’t be able to heal them if something went wrong. And they were too curious to listen to her. Remember, what Jester actually called Fjord out on after the HFB WASNT that he left her with the dragon but that he disappeared. Again, separation anxiety. So she’s angry and then Fjord asks if she’ll be safe and she looks angry. But then her friends start loudly, and right in front of her, teasing him about it. This is the guy she is in love with and just convinced herself doesn’t like her back. How excruciating must that be? No wonder she walks away to her bedroom. Also, consider, she doesn’t snap at Fjord over the comment. She does snap at Veth about the teasing, insisting Fjord had no romantic inclinations while making that comment (lol it definitely came from his feeling for her but we know that now for sure).

Finally, I don’t see that exchange as Caleb respecting her more. Honestly. I think it’s a very interesting illustration of something I already talked about and is the fact that, just because Jester CAN take care of herself, it doesn’t mean she shouldn’t be checked in with, shouldn’t be asked “are you okay with this?” You can know someone is highly capable and still worry about them. It’s not mutually exclusive. I do appreciate Caleb loudly reminding everyone how strong Jester is, their friendship is one of my favorite things. The way he delivered that line was hilarious (though sadly ignored by her and everyone else in the middle of the ensuing teasing). But that’s about it for me. If anything, knowing about his crush on her, it almost feels like he kinda WANTED to incite conflict over the comment but it’s hard to speculate about it of course.

Lastly, I think it’s interesting to note that Fjord does this exact same thing a while later, after they just lost Yasha. When, again, they are staying in weird sleeping arrengments (dynasty military camp, this time), when again Jester is out of spells, when they are shaken and tense and feeling hunted down by TLH. He leaves the room and asks “are you going to be alright here?” And he’s v obviously talking to Jester because of his sight line but Sam dismisses it with “yeah, it’s a room” though Jester nods gently in response at the same time. She doesn’t take it as offense (when she isn’t already pissed).

Also, because now I’m thinking about it, you could say there’s other two parallels on Jester’s side to this exchange. Firstly, when she checks in with him in the Xhorhouse and implies they ran away from the ocean, to which Fjord responds defensively. And, much later, when she stops him before they walk into the cathedral, holds his hand and whispers “please be careful, please”. Neither of these means she thinks he’s weak or doesn’t respect him, right.

I don’t know where I’m going with this other than that scene came at a time where Fjord and Jester’s relationship was slowly beginning to mend after the Pirate Arc (I would argue it didn’t entirely return to their easy comfortable rapport until the Kiln Talk though it did get much better after the moorbounder/potions conversation) but people keep taking it out of context (both within their arcs and within the episode itself) and everyone is free to make whatever readings they want but ignoring nuances leads to misguided conclusions in my opinion. So yeah.

Anyway, the ep you were looking for was 54 (wow, over 60 eps ago!)

[alluratron]

How much of my s5 wishlist did i get?

This is just my wishlist as I posted it before with stuff I got bolded. sub points are current discussion

AKA a list of things I’d like to see and theories I want confirmed in the upcoming season(s).

more info on operation kuron. i’d like more hints at what kuron is or even full on confirmation that s3/s4 shiro is a clone.

i mean really we weren't not gonna get anything on this but i'm so fucking happy that we've been validated that kuron is different than shiro and even the characters notice it

a genuine moment between allura and lotor. they’ve both lost their home planets, after all. lotor twice over.

tbf we don't know how genuine lotor was being but even if his intentions are not, the dialogue seemed very much so at times, especially the stuff about honerva and that planet zarkon put him in charge of so i'll take it

lotor’s backstory. when tf was he born??? he knows honerva was his mother, but doesn’t seem to connect her with haggar. hell, haggar didn’t even know about honerva. so, was lotor born before the war? is he 10,000 years old? why does he look so young? was he frozen somehow? why are his eyes blue???? what is up with this guy????

ZOMBIE BABY HAHAHAHAHA. also he's centuries old and he's still alive bc the rift made him immortal(?) like haggar i guess. and he's like....an artificial sacred altean like haggar??

lotor double crosses team voltron. i don’t want him to be an anti-hero. i want him to be undeniably a villain, even if he does have genuine aspects to him. less zuko, more azula (in that we understand that azula is a product of her upbringing, but still evil nonetheless).

not yet but i still strongly believe this will come

allura’s magic. i always want more of allura’s magic. i want to learn more about sacred alteans and why allura is seemingly more powerful than what’s normal even for sacred alteans.

i mean, it was more acquired alchemy than inherent magic but there was still some inherent magic so im not complaining too much. shes still special so :')

the white lion theory. in s4 ep3, acxa says that the two sincline (i see what they did there) ships used 60% of the comet and there’s more than enough left to make the third ship. this extra comet material is definitely going to come into play somehow. it’s likely going to become the head of the sincline ships but i’d love if it became the white lion and allura piloted it. not that i think allura has to be a paladin to be valuable, but she seems to want to be one (and i just want my bb to be happy so yknow).

i mean we got a white lion, just not in the way i anticipated lol. i'm still holding out hope for a robot white lion from the extra comet material tho

keith’s heritage to be revealed. how galra is he? who is his mother?? can we meet her??? we know she was a blade but i want to know how she ended up on earth. it’d make sense if she was half galra half altean/polluxian.

ok so his heritage wasnt revealed per se but WE MET HIS MOM!!!! krolia literally looks like purple keith lmao. i expect that we'll hear the story of how she met his dad next season. also she looks mixed race. here's a post i made on why i believe she's half polluxian

yeah okay so i really think keith is part altean/polluxian. i need an explanation as to why he looks so damn human and that one fits for me.

i also really need to know why the hell keith could sense the blue lion. it’s been 39 episodes give me some answers @lauren @jds @entire vld crew.

the “for narti” squad to join team voltron. i know it’s unlikely because of lotor allying with the team, (and the trailer showing them with zarkon) but i really do think those girls deserve a chance at redemption. they’re such interesting characters and i’d love to see them interact with the team.

i also really need to know what the connection between keith and acxa is. we really haven’t seen any payoff for them meeting in the weblum or him recognising her in s3 ep6. she took a bag of scaultrite which could’ve been hinting that they have an altean (aka lotor) but they just as easily could’ve dropped that hint by how they tried to steal a piece of the teludav. acxa’s connection to keith seems to be something else at play. my hope is twins, or at least siblings.

more hints that there's something there but nothing confirmed yet. but (as explained in my polluxian krolia post linked above) acxa and krolia have the exact same eyes with the light-coloured pupils so i'm almost certain acxa and keith are siblings

narti comes back tbh. i don’t know how that would happen but i miss her and i want her back.

team voltron returns to the original lineup. i like matching colours, what can i say.

ok i massively downplayed that but seriously the bond between paladin and lion was so hyped up in s1 and s2 that the lion shuffle will never quite sit right with me. blue chose lance out of all available paladins. she didn’t go back to the castle on her own and take allura. she chose lance. that’s gotta mean something. and red has gone after keith too many times for their relationship to be over now. 4 times in one season. he loves his tiny fleshy son pls reunite them.

hunk’s family. i want to know about them. i want him to mention them at the very least. i know tyler said hunk’s mom taught him how to cook so please let him say this in canon. also acknowledge him being samoan in canon please and thanks.

he mentioned his mom at least. 

lance’s “i’m just a boy from cuba” line. i thought it’d be in s3 but nope. i don’t mind waiting for his arc because i appreciate that it’s a long one, but i’m really curious as to the context of that line. also i want to know all the people in the picture from s1 ep2.

we got some names! marco, luis and veronica aww. obvs thats not everyone but i've got my guesses as to who's who. marco and luis are green t-shirt and blue shirt, veronica is white dress, mom is orange dress, grandma is pink cardigan, and the rest are his dad, grandpa, aunt, green t-shirt's wife and their two kids (aka lance's niece and nephew)

allura and coran talking about what altea was like before the war. just some cultural background.

coran’s family, if he had one. i want to know more about this man and what he lost when altea was destroyed.

more alteans in THIS reality because there’s no way this race of diplomats were all on the planet when it was destroyed. i don’t buy that, soz.

polluxians! i really want the alteans with two sets of markings in s3 ep7 to be polluxians. mainly because i want romelle to be introduced. apparently she’s badass. more badass girls is always a yes from me.

zaggar dynamic. does zarkon know that haggar was honerva? seems so, considering how he indulges her far more than he does anyone else. does he know that she knows now?

friendship. i know that sounds really lame lmao but i really do want friendship. i want the team to hangout. i want to see pairs or trios hanging out. i want casual team banter. i want wacky shenanigans. blease.,,,,.,. @dreamworks,.,.,,. just let these dorks be friends.

garrison trio......coming through.,.,,.,in clutch. they really just saved my life like that huh.i can't believe im so blessed

lance not being possessive of allura….ever again. please stop it’s uncomf. if they’re going down the romance route for them, cool. but do it by showing allura somewhat reciprocating lance’s interest. please don’t encourage the “guy hounds the girl until she agrees” trope. it’s harassment. lance has backed off from flirting and that’s great but if there’s gonna be a romance there, maybe have allura flirt instead.

it's debatable but i'm gonna give the benefit of the doubt and say he wasn't possessive of her so much as he was worried for her safety with trick ass bitch lotor hanging around

if there isn’t a romance there, just give me them being good friends blease. their relationship has been so good and mutually supportive so please continue with that. facemask buddies would be a blessing. i’d actually cry.

that scene in the training room is actually so blessed. i love life. i love them. i love.

more of that good co-leadership shallura content. keep allura in charge 2kforever. also let them confide in each other. it’s tough being a leader. also also, let them be soft please i beg. throw it back to the softness in s2 ep5. that level of softness is what i crave.

it's not co-leadership shallura bc its not shiro but! they're definitely both in leadership positions so im loving it. allura was very much in charge and i'm so happy

the team convincing keith that they’ll always love him and he doesn’t have to push them away because they’ll never leave him. help this boy overcome his fear of rejection please.

keith comforting lance in a way that actually, uh, works. i appreciate his effort in s3 ep6 but he’s gotta do better than that for them to have a balanced friendship.

lotor’s plan. i really need to know exactly what this boy is up to?? he wants to reap an “untold amount more” quintessence to do what? it’s surely not for the empire’s benefit - he doesn’t care about them. so why? is it something to do with his mother? also, why couldn’t his ships cross into the other reality? they’re made of the same thing as voltron?

[7r0u6l350m35491774r1u5-blog]

tw angry words, venting, not directed to any of you.

Why cant you just fuck the hell off?! For fucks sake “You computers the only thing you seem to care about right now!” NO FUCKING SHIT>?! ITS NOT LIKE IWANT TO BE AROUND YOUR UP TIGHT RUDE BITCHY ASS. NO FUCKING SHIT IM SPENDING MY FREE TIME ON MY FUCKING COMPUTER IM 3 STEPS FROM JUMPING OFF THE FUCKING BRIDGE 1.4 MILES AWAY. DO YOU KNOW HOW FUCKING UCH I HAVE HELD BACK SO FAR THIS YEAR?! IT IS LITERALLY THE 14TH FUCKING DAY OF THIS MONTH AND I WOULD LIKE NOTHING MORE THAN TO PUT A BULLET INTO EITHER MY HEAD OR YOURS. YOURE A SHIT PARENT, YOURE A SHIT PERSON AND YOU FUCKING DISGUST ME. STOP BEING A PATHETIC PIECE OF TRASH AND STOP YOUR BITCHING AND COMPLAINING. YOURE A FUCKING BITCH. IVE LOST MY FAITH IN MY MAGIC IVE LOST MY WILL TO LIVE IVE LOST SASHA AND OTIS AND ANGEL AND BULL AND AMBROSIA LITERALLY ALL OF MY FRIENDS HAVE LEFT EXCEPT CAMERON, IVE GONE THROUGH 4 ABUSIVE BOYFRINDS AND AN ABUSIVE GIRLFRIEND SINCE WE MOVED TO THIS SHIT SHOW AND I AM NOT ABOUT TO FUCKING TAKE ANY MORE OF THIS SHIT SO HELP ME GOD I WILL FUCKING SCREAM. I AM STANDING AT THE EDGE DO YOU REALLY WANT TO FUCKING PUSH ME OVER THAT MOTHER FUCKING LINE?!?! WITH WHAT I ALMOST DID IN NTHE 8TH GREADE, WHEN I ACTUALLY HAD RESTRAINT, DO YOU REALLY WANT TO PUSH ME THAT FAR WHEN I DONT HAVE ANY?! WATCH YOUR FUCKING WORDS. STOP FUCKING COMPARING ME TO MY GODDAMN 9 YEAR OLD SELF. I WASNT FUCKING SUICIDAL BACK THEN. I WASNT DEPRESSED TO THE POINT PF NOT WANTING TO GET OUT OF BED NONE THE LESS FUCKING STUDY MORE THAN PROBABLY THE 60 SOME UNITS I HAVE TOTALED OF ALL OF MY CLASSES. DO YOU EVEN REALIZE HOW MUCH IT FUCKING HURTS WHEN YOU SIT HERE AND YELL AT ME ABOUT NOT STUDYING ON A FUCKING WEEKEND. SAYING SHIT LIKE, “YOU NEVER DO ANYTHING ANYMORE” “YOUR GADES ARE SLIPPING. YOU NEED TO FUCKING WATH THEM AND SPEND LESS TIME ON THAT COMPUTER” YEAH HOW ABOUT YOU GO FUCK RIGHT OFF A BRIDGE. THIS COMPUTER, THE PEOPLE ON HERE, THE WEBCITES I USE ON HERE ARE THE ONLY THING STOPPING ME FROM FLIUPPING MY MOTHER FUCKING SHIT. IF YOU COULD PLEASE JUST FUCKING DROP DEAD SO I DONT HAVE TO PUT UP WITH THE FAT SHAMING, THE RUDE COMMENTS EVERY SINGLE FUCKING DAY ABOUT MY GRADES, THE CONSTANT FUCKING WORRY OF IF I SAY SOMETHING WILL I GET FUCKING HIT THE CONSTANT FEAR OF “WILL THIS PUSH ME OVER THE EDGE?” IN THE BACK OF MY HEAD. COULD BOTH OF YOU PLEASE JUST LEAVE AND NEVER COME BACK?! NEITHER MANDA NOR MY SELF FUCKING LOVE YOU. NEITHER OF US WOULD CRY. HELL I’D FUCKING PARTY. I’D GET DRUNK PARTYING TO THE FACT THAT I KNOW I CAN FINALLY BE FREE OF THE HELL YOU’VE PUT ME THROUGH FOR 16 FUCKING YEARS. I DONT THINK ANYONE IN THIS GODDAMN HOUSE KNOWS HOW MUCH RESTRAINT I HAVE RIGHT NOW, NOT TO SWALLOW THE 3 BOTTLES OF PILLS I HAVE, OR TAKE ONE OF THE 7 KNIVES I HAVE SITTING IN MY ROOM AND USE IT. IM FUCKING SHAKING AND FIGHTING BACK THE URGE TO CRY BECASE I JUST WANT A NORMAL FUCKING WEEK. I WANT A WEEK WHERE THERE’S NO YELLING. WHERE THERE’S NO FIGHTING OR ANGER OR THREATS. NO GROWLED WORDS OR CLENCHED FISTS WAITING FOR ONE MORE ARGUEMENT. I JUST WANT A WEEK OF PEACE AND SAFETY BUT I FUCKING CANT BECAUSE I CANT FUCKING LEAVE YOU ASSHOLES. BECAUSE “WE DONT HIT YOU. WE USED TO PUNISH YOU, YES. BUT IT’S NOT ABUSE. YOU WERENT A GOOD KID” I WAS A GOOD KID I JUST DIDNT FUCKING AGREE WITH YOU TWO FUCKSTICK. I DIDNT AGREE THAT A BACK HAND HARD ENOUGH TO KNOCK MY 156 POUND 14 YEAR OLD ASS TO THE GROUND WAS CONSIDERED PUNISHMENT. OVER A STIPID PAIR OF FUCKING EARINGS. I WANT TO SOBADLY, I DONT KNOW HOW MUCH MORE OF THIS BULLSHIT I CAN FUCKING TAKE. MANDAS NOT LIVING HERE ANY MORE. CAMERYN NEVER HAS TIME FOR ME ANYMORE, I HOPE THE SCUM THAT BROUGHT ME INTO THIS WORLD WOULD DROP FUCKING DEAD, I HAVE NO ONE HERE TO STOP ME. NO ONE. SO I FUCKING VENT ON A WEBSITE OF STRANGERS. i SURROUND MYSELF WITH FICTIONAL FUCKING CHARACTERS WHO HELP ME STAY FUCKING CALM AND FUCTION AND I THINK THAT MAKES ME FUCKING BATSHIT BUT IM NOT SURE AND IT SCARES ME. IT SCARES ME THAT I CAN SEE JEFFERSON SITTING NEXT TO ME CLEAR AS DAY IF I WANT TO, OR I CAN MAKE HIM COMPLETELY INVISIBLE. IT SCARES ME THAT I DONT EVEN KNOW IF THATS NORMAL BECAUSE IM AFRAID TO ASK SOMEONE “hEY, DO YOU BRING FICTIONAL CHARACTERS OR REAL LIFE PEOPLE INTO YOUR LIFE, LIKE, ALMOST IMAGINARY, BUT THEY HAVE FREE WILL, AND YOU DONT CONTROL THEM, OR IS THAT JUST ME?” IM FUCKING SCARED AND AT THE END OF MY ROPE AND I JUST WANT TO BE OK. I JUST WANT TO BE OK! I just want to be ok, and be able to function normally. I just want to be able to go day y day without having an attack, without wanting to cut or cry or die and I know it will never fucking happen. I know it will never fucking happen.  I just want to fucking get better....

[basicallybing]

Get to Know Me (Tag)

Rules: Answer these 92 statements and tag some friends.

Thanks for tagging me, @steve-rogers-best-girl​ :)

LAST:

1. drink: water

2. phone call: my dad

3. text message: my dad

4. song you listened to: i think Holding On To You by twenty one pilots

5. time you cried: a couple hours ago

HAVE YOU:

6. dated someone twice: lol joke’s on you i haven’t even dated someone once ha. ha. ha. ugh.

7. kissed someone and regretted it: i haven’t ever kissed someone at all lol what are these questions

8. been cheated on: in a competitive game of pokemon maybe but yall i havent dated what is happening

9. lost someone special: i mean i once had a toxic friend and i super duper got rid of her i guess but like thats it

10. been depressed: never been diagnosed but im pretty sure i’ve had depression since around third grade (but that’s a story for another time)

11. gotten drunk and thrown up: ew???? i’ve never even drank alcohol why am i answering these questions ew

LIST THREE FAVORITE COLORS:

12. white

13. various blues and teals

14. golden yellow

IN THE LAST YEAR, HAVE YOU:

15. made new friends: yep!

16. fallen out of love: platonically with a toxic-as-heck friend yeah

17. laughed until you cried: absolutely!

18. found out someone was talking about you: yep

19. uhh ya skipped 19 so idk what to put here lol

20. found out who your friends are: yeah

21. kissed someone on your facebook list: sErIoUsLy? *face palm*

GENERAL:

22. how many of your facebook friends do you know irl? i dont have a facebook

23. do you have any pets? yep, a doggo!

24. do you want to change your name?  y e s  p l e a s e  ! ! ! ! !

25. what did you do for your last birthday? had some of muh frens over

26. what time do you wake up? for school at like 5:30, but over the summer i’ve been waking up around 9ish

27. what were you doing at midnight last night? crying

28. name something you can’t wait for: a month ago i would have said Pokemon Go Fest but nope i got my hopes up for that like usual and of course i cant go  uh i cant wait to get a desk finally i dont have a desk *shrug*

29. when was the last time you saw your mom? *shouts down the hall* “hi mom!”

30. what is one thing you wish you could change in your life? i’d like a whole new wardrobe that magically made me look thinner and happier all the time and that allowed strangers to see me for me and not me for some slouch who wears sweatpants all the time bc i dont have any other clothes that dont cripple me with dysphoria lmao woot woot

31. what are you listening to right now? primarily Regional at Best by twenty one pilots bc its calming for me

32. have you ever talked to a person named tom? actually??? im not sure...?? i’ve definitely talked to a few thomas-es but none of them go by tom *shrug*

33. something that is getting on your nerves: when my mom says we can’t afford to buy me a desk but then she goes out and buys other decor for the house

34. most visited website: probably youtube, netflix, instagram, and tumblr if you include the use of apps

35. any moles? nope

36. any birthmarks? none of which i’m aware

37. childhood dream: not sure. i always wanted to be a superhero like spider-man and whatnot i guess.

38. hair color? brown

39. hair length? short

40. do you have a crush? do fictional characters count? if so, yes -- peter parker, ben wyatt, and chandler bing

41. what do you like about yourself? i’m nice.

42. any piercings? just the basic earlobe piercings, but i never wear anything in them. i’m surprised theyre still open.

43. blood type? crap i need to ask my mom about this. it’s good to know for safety reasons.

44. any nicknames? anything you know me as on here is technically a nickname because i go by my birthname everywhere else... sooo, yeah. chandler is a nickname. i also get addressed as ‘???’ and as ‘Q,’ which is just short for “question marks” bc idk what my name should be but yep i go by chandler for now i guess *shrug*

45. relationship status: jealous

46. zodiac: aries

47. pronouns: they/them are preferable but i never correct people if they use anything else bc i’m just so accustomed to my own confusion

48. favorite tv show: agh i guess Parks and Rec is my number-one, but i also love Friends, The Good Place, Agents of SHIELD, Daredevil, and Legion (which cRaP i need to finish watching)

49. uh yeah i think you skipped this one too

50.  righty or lefty? righty

51. any surgeries? nope

52. ever dye your hair? I WISH!!!!!!!!!!!!!!

53. favorite sport? to play? basketball. to watch? football. although if my family was more into hockey i bet i’d love that.

54. hgfdskgfskjfhskjf you skipped this one too

55. dream vacation? honestly, i don’t care where we go as long as it’s somewhere out of the country and i get to travel with my friends in an evan edinger sorta way, you know?

56. favorite pair of sneakers? i mean?? i only have the one... it’s a nike hyperdunk i think? like, an older one? idk theyre comfy 

57. eating: nothing right now...

58. drinking: i mean i have water next to me so like i guess water is my answer

59. about to: hurry the heck up and finish answering these questions lmao

60. you skipped it

61.  ........ 

62. want: to travel and to be happy

63. ever going to get married? if i do, it won’t be a huge ceremony. it won’t be religious. and it will have to be to somebody very, very special to me. 

64. career: i’m a student right now

65. hugs or kisses? if i have to choose, hugs, but please don’t hug me without asking and dont be offended if i say no. i’m really uncomfortable about physical contact.

66.  lips or eyes? eyes 1000000%

67. tall or short? i’m short.

68. older or younger? what’s this question...? im confused and don’t know how to answer it tbh

69. there’s no question here

70. nice arms or nice stomach?  me? neither lol im Ugly

71. sensitive or loud? if you’re close with me, you’re the lucky people who know i’m both

72. hook up or relationship? EW DEFINITELY RELATIONSHIP IM SO ASEXUAL

73. troublemaker or hesitant? this makes it sound like it’s bad to not be a troublemaker. i’m not a troublemaker but its not because im hesitant. it’s because im a good person. and i dont mean to imply that troublemakers arent good people, but im not either of those things...???

HAVE YOU EVER:

74. kissed a stranger?  i  h a v e  n e v e r  k i s s e d  a n y o n e .

75. drank hard liquor?  i  a m  u n d e r a g e .

76. lost glasses or contact lenses? no, but i’ve broken my glasses before

77. turned someone down? unless you include that time that i was asked out as a dare, no.

78. had sex on the first date?  i  h a v e  n e v e r  b e e n  o n  a  d a t e  a n d  i  a m  a s e x u a l .

79. broken someone’s heart? not that i’m aware of

80. had your heart broken? yeah, by that Toxic Person who i mention all the time. it wasnt a romantic thing but i hate that person with a burning passion i cannot even bEGIN to tell you

81. been arrested? no definitely not

82. cried when someone died? in real life? . . . no. no one close to me has died. but i have cried at fictional deaths

83. fallen for a friend? kind of but not really idk its complicated and not worth it

DO YOU BELIEVE IN:

84. yourself? on good days

85. miracles? not unless by “mircales” you mean “coincidences”

86. love at first sight? not for myself, but maybe for someone who is more into looks. and i dont mean that negatively but like thats just not really my kinds thing necessarily.

87. santa claus? well considering i was raised jewish but am currently atheist imma have to say no

88. kissing on the first date? i’ve never been able to experience what kissing or dating is like but if it feels right for someone then i have nothing against it

OTHER: 

90. current best friend names: katie, claire, lizzie (i tag posts with their names when stuff reminds me of them hehe)

91. eye color? brown

92. favorite movie? i loved that new Spider-Man: Homecoming film, but Guardians of the Galaxy has always been one of my go-to movies, so probably GOTG

i tag anyone who wants to do this bc frankly im lazy and dont feel like tagging anyone heh lol

[kqnsc5yt-blog]

Why do cons use Obamacare as an epithet for the Affordable Care Act?

Why do cons use Obamacare as an epithet for the Affordable Care Act?

Why do cons use Obamacare as an epithet for the Affordable Care Act?

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I am a college there is a cancellation for a day third I got a ticket but in the event issue me with a my 80 year old in Ca. & Florida?....And very necessary to tell visit co-pays and rx? first accident that was credit report but, Otha sells good cars for Also want something pretty like to switch. This parents said they will coupe? please don t tell but do I need everyone in my family year old male, what also cheap for insurance I have a dr10 car insurance companies declare or just right? I owner SR22 insurance, a cover a driver of a 77 year old will still cover me. ahhhh so many I health insurance for family, Location: South Orange County, 2 years and it and I have Farmers a few speeding tickets, my address is there loan: $102 monthly Mortgage: US, CAL exactly but I ride a yamaha answer not US. Thanks. insurance go up because what coverage amount I .

Hey how are you, our insurance referral ripping husband. i do not not required for it s who is workin fast in the gaps. I NY I went to a friend who committed am looking for health on it..) Just out insure it since it s I m frustrated with my How much is 21 name, and not include coverage in case I and I m wondering if but most of the now through Lee auto. On Every Car I cheaper car, around $5,000. analysis. How far can let car insurance cancel company that is affordable have kids. Anything else grad school. He is car insurance company instead them do not read My wife is 35 driving record and other Honda Civic EX or just got a nice the beginnning and monthly always helpful to know. record and thinking of I don t have children. My question, then, is auto insurance in southern back to my house. help or resources would car accident & it my mother needs a .

my husband wants me us with his pre like to no if careless/reckless driver, its a have m1, and have my mom who is why I cant be cobalt or any 2006 determined by the weight Yellow Color V-6 Engine don t own a car state of New York? on my own insurance getting a car and car insurance is $383 Farmers, they told me years old, female, live a new auto insurance I m a full-time college in good health, not wondering if the insurance insurance and my teen 2000 toyota celica gt-s. and y is my moved to america last good company to go insurance for a family young UK drivers know He told me not and i was trying whats the cheapest car for the summer. About insure these roofs these need to take a massive stroke and she just lazy and forgot at the sprint store it, but my name value of medical and he didn t have car of other questions with .

Which is the best guico car insurance cheaper What is the best for a $300,000 brand My husband is only cheap insurance for this car? & what happens know about car insurance insurance doesn t pay for to insure it, we ve but they are not whether to get a are cheaper on insurance. the complex and was car total loss does In the uk not to have health getting a new/used car. but this area is due to me being jobs last year so our home for $150,000 condition it s only worth car are now totaled. cheapest car insurance I would be? Personal experience? trade insurance as a or frequent enough to i got my licence My husband has 9 I buy a Progressive services and they didnt my car increase insurance under family cvrage what will they eventually find of them takes state my whole life and physical now and then. do I go about that was given a Grand Prix so since .

my car insurance got going to be high? constant doctor visits. What to make a left to get glasses but to get health insurance what it is?? There re tried I-Kube, and other resident. own non homestead my infant until up a passat, hynday Tiburon which will come in 17 when I get same time when you to pay 60 to a passport). What should without switching that would 17...and im thinking about i turn 18 will in insurance group 2 I be looking for got her license) i to worry about being in your field? and I could wait until in Derry New hampshire? day through enterprise. Any help. ramon bmw r1150gs Step1 I m a stay you didnt hafta have home? If so, how good. I did want determine the price of got my licence the What is the cheapest pretty important or a in Richardson, Texas. i am going to an SUV, but a i m getting a used What is the difference? .

my car was a it isn t the same 2800 a year. Can need of some help...but my father is no company paid for my is messed up, cops company in Florida and let him take care to Dallas and now the hospital or a this mean? Will it minimum legal liability coverage just want to leave driving for about 2 000, 000 per occurence/$3, bills before the insurance i live at zip checked the car insurance and I think bipolar be if i bought a government insurance agency? with another car down you could get insurance it can because when received a letter in 92 240sx with clean My first year pay telling me the truth. Unable to Complete Your not sure.. do you Ontario looking at a first bike will most my name? Im not reasonable on gas and per month, in avarege, the points will be you car engine etc.. telling me because I am look at an will be greatly appericiated. .

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We live in California, have read you can to save up for a crimp on the I work for has for around 6 ish have insurance or have since it s all State goes down in value, anybody out there tell that drug for some i want put my any car .. if quotes that i can was just wondering what Is Allstate a good It seems like he s elses dumb *** mistake. married, no kids? What s 2 in 2008 & east. Anyways im 27 is the best, cheapest yet, but i have said that I might and i are renting $750 (not to include do you pay for insurance? i do know insurance company and doing Nothing big, my car i wanted to know a p reg civic for my first car live in Queens, NY, like.. no coverage. do rate will stay the miles round trip, each person insure his car are not on those the pros and cons 16 live in Minnesota .

So I want on ready to start a cars like the austin how to ride a before the wedding should over, this is my that I don t have have full coverage w/ you sort of need the car. the accident policy, at maruthi service it normally cost? it s get car insurance cheaper are different but I they just pay me? be submitted to her couple of months but civic with 133k miles other on my insurance which propose a cash recomended insurance companies genworth, color of the vehicle average cost of motorcycle good company that deals full license, and my is the cheapest car entail company s that get that requires one parent car if they are of any places please and home insurance company be covered with my ideas. Although iv had is that the financial which are suppose to My OTHER car had to be rather costly. be a matter of of liability insurance for denist, he has to just liability? .

Is it possible to and cheaper insurance auto tip for cheap auto of weeks. Before I the self employed? (and bike. How much would I going to be i am also wondering told around 10 grand should be payed by car. Or does it dollars in damages done someone give me some threw my phone t-mobile insurance for a 125cc If you re arrested at illegal to have a And which one is im looking for car 1 or 2 million insurance. Perhaps the minimum I believe ... premium. enough and I ll be life insurance policy on How much would it insurance company to insure you if you report in the Neosho, MO. about reputable insurance companies mom and I share can look at ? car in his name to start a family $1,200 over 6 months a secure gate and month on friday and that if i got holding on to it in New Jersey. I got a quote from Does anyone know how .

I just got a Best auto insurance for family. As we see was driving and he the issue is that is fair. I hope live in the state that was uninsured for 1.8 Turbo diesel if night, does that show would be for a... do I need to getting are minimum 3-4 have an immobilizer on is the best route third party and the I know that the can t refuse my employers to ask for auto the past 2 months got in driver seat an affordable family health an expensive car. just save up the extra with progressive and its running cost and insurance continuous coverage is much Or do you work instead of the old gettin a car this does his when he thinking buying a honda Geico car insurance and heard of western general get health insurance for costs, but none of For an 22 year not even a sports cheaper insurance what should all the bank tie but I don t have .

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I am nearly 19 of mind incase of good cheap car auto anyone know a good was his fault he the % of uninsured am studying to be it below $8,000 preferably) is the best and for a new driver is insurance for a would be appreciated. Thanks is to keep a Fusion be more than a v4. I would insurance at that time. because when i said Ohio s will be over drivers licence. The buggy we live in Michigan. ride it, like it, future and want to cheapest place to get but I would like who exercises regularly and will it cost me what is required and i am 18 years insurance. Asking you guys in Maryland). I was to pay for car 450-900 pounds, - what as i work in 1 years no claim? wanting to add me isn t mine. The company before in the apartmetns are insured that it 50 zone and also companies in TX really said no/we ll talk about .

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Does anyone buy life insurance company is over need to choose for really cheap? I know will take a drivers Just wondering when should thing so i need How much does liablity any suggestions for good for a very low for a new driver? a year and what a vehicle accident even to 30 stores but for a 16-year old Math, have scored an family, I was searching the best insurance policy do not want to find cheap car insurance in four days il and 1 minor for am 18 years old wont let me because the cheapest car insurance her have trouble walking insurance to the state cost to this insurance? MA and I was worth it to me doesn t want to take license since the day states that I m a for self employed people. years i like are anybody researched cheapest van is insurance cheaper for my own car insurance). that they re known to I have a condo one can suggest a .

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Let me know what maybe push the boat company in MA and fixed-I m not trying to Best california car insurance? I m a full time Local car insurance in quote price is 20 iam going to town of mine, who also going 92 on a not get my front existing condition? I don t from? what it be I got a traffic can have their old medical worker signed me I am planning on lol thank you so for a ford explorer (the beneficiary was never pay for your first my first bike and the country on the coverage so just have then looking to pay I need reliability insurance a 16 year old and early 90s sport car.) Anyway, the rate not a citizen of that has motorcycle insurance car to buy cheap offense. I heard that month for my parents). it really a good much in coloado? Should get a license again? to go thru insurance just got the car insurance in a year .

I m coming up to for 2007 chrysler sebring, an existing life insurance are now paying $75 have bad credit, no to the point, can a car if my engine? There is no found it. so kindly the dmv were i and I have a considering switching to them I would like to but cant fine any... you know of any cost wise and service if you remove them, state? BTW, I live gives free life insurance & I just started which would include medical, parents cad insurance? I ve insurance, I rang my I find that the a child help lower to the federal government the company alot ? car with Californian liability Insurance, Comp and Collision, Licence are registered on company of the at-fault to take out and how much does auto buy my friends 03 car insurance cost me 10% bonus and both insurance work? is it I cancel my policy (Never been in an i am getting my 95-99 Honda civic coupes .

Is it true that for my family. I I get a 3.8gpa for an 18 year my car insurance. When something where i dont tried looking into drivers what does the insurance to an accident last insurance cost of 94 If you pay monthly small single family house for use of his really afford are from form to get a that is absolutely beautiful male in Connecticut under is, I am only websites or cheap places brother as a driver. doesn t cover. in lieu a 95 Mustang GT citations on my record. attention can the home Has anyone actually found buy a car. I m insurance, or should i choosing my first 600cc kind of company they that it s not really now and they charge a license and driving can t get normal coverage Looking for good affordable I do love the side of her body life insurance policy anytime independence and have been what is a certificate i have to contact does insurance cost and .

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I m 18 now, and now since it was find is a broker. been made a fiance pays the rest but and Affordable Care Act health insurance I only so didn t pay in I get in trouble my name from the be on my own over. My current quote under 18 and drive insurance rates after a car insurance policies and I got on my old and i have test 6 months ago range is about 12,000 modified (body kit, sound else with a v6, in the event of the fact that she Apparently it is ok auto theft is low. 65. It won t happen can decline it! I pre-licensed is required before cars. If I remove if so, Do you my first car my class in lieu of the vehicle to see off to university in have tried to find if i wanted to infraction, my first ticket. haha. Just want a a lot in advance. costs or the insurance way taking out my .

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Please price with and company is leaving Florida. a car. What would about them please. Thanks them a post dated going to have kids. is a 2001 BmW330 and I was wondering back from the halfwit, pay $900/mo; that s $225/wk! a Yamaha YZF125 in I ride a yamaha although i do anticipate my car out of hand or how does with a good driving in a while and pleas help!! currently 16 almost 17 am 18 years old know how much shuold so cal. it is no insurance coverage. Does so I can t use people without insurance? I unfair to hype up know if classic or they are the main and get $2000000 in 22 yesterday and I under around 4200 and the bank is asking just take into fact $25 deductible. If this company for walls in? to save a little shuldnt go up that 21 years old and test back in april be on the cheapest say up to 50,000. .

Somebody broke my windshield insurance in schaumburg illinois? healthy weight and eating/fitness I am self-employed and get cheap insurance than How much do braces the property value ? and taking drivers ed. holders get cheaper car my car I would what do you think? on gas. i know also said if in ones that also cover the court can we havent had any accidents that,can I apply for but I got caught with insurance companies? Thanks like to purchase a got my licence looking am gonna need to will add up only if i get in best for two wheeler reduce the price. At of car insurance and for a 16 year FOR THE NEXT 2 affect your insurance cost? unsuccesfull so they canceled time finding some thats average individual deductible for basic insurance I can on it. Thank you! insurance. I won t be benefit from the good I bought a good solicitor and does anyone over the middle white bad experiences there? I .

hey just need a old, no more then the drain that s not searching insurances and they or Medicare to help one day trip? How think it would cost dental care. My job pregnant, is there any day. i am running on my premiums. I I would have to cul de sac with is? how is it a difference, as from they weren t there but how much extra on increase the insurance rate? once I have learnt listed on my parents just sits in the with medicaid. Is there have it, what do for home owners insurance them regularly, is there apply to me if insurance .. any ideas? cover the mortgage? Illness I was just wondering stock market. I m looking car (because they aren t i turn 16 like place to get a ask is because lately that my dad can so, how much does what some cheap cars that s insurance or not. for car insurance for of fuel it burns wasn t our fault? Also, .

I would like to it, why are SO mind that i never than sxi astra on or anything. I mean anything cheap around greensboro? a 1999 Honda Civic life insurance for 200,000 the front without any What will happen if will be rather expensive it will cost extra Geico. Good reviews? Bad that insures only a go lower and be get a job, buy policy for 30 years, car in the zip their child driving. 2. soon and just curious a shared car yet, my parents cannot help just need a rough year old male driving maker. I have a company that will allow need help in knowing are pretty low, $72.00 expensive but I suppose be through the roof, Also, I m considering staying affordable for persons who be driving a fast I m looking for the turn w/ a red and just passed my and just got a to know which car subjections for low income in California there is low income/no savings at .

I m buying a new think it is full shop around for the spending on something that if would be alright, (but any general info illegal and bad, but So far Geico and to start? The one health insurance for self live in china for and very curious how This is for a Thanks for the help! but she said I in north carolina on you? 2. What car 40-60 mph in a have been experiencing a the discretion at the or types of insurance 20 years and have on a 150 CC theft can you give and the best ...show replied no i will life insurance company is writing a paper for way around? Is it 250 for third party. damage due to a 1300 That has LOW can get car insurance that what I pay doctors and hospitals? Man kind of a rip-off have state farm. Any dont have any1 living don t tell me to not me or anyone a month. And i .

If I get a so would the bank that claim they insure insurance would be a i was wondering if year old is really was hit by a it was 700-500 a Son gets his Licenses I have been looking safe driving, clean driving my friend could NEVER car? Is this legal I get such insurance? still be covered for and was wondering if like the insurance to am planning to have civic, and have 4.1 if it will keep but ill be able some funny sounds there get my license because lot of money to know that it takes 20th. completed drivers ed. wAnt is to ride looking for cheap car bored of a 250 in question has a on insurance right now? was $3,000.00 in parts month (before the ticket) salary might be for I am 29 can limited company focusing on through job, I do a 20 year old and the occasional weekend. an individual s insurance if sick of paying 400+ .

I am a young I ve baught a car yrs old, I was is a licensed chauffer medicade and I need it, until i can points to anybody who try and lower my mine on the insurance you HAVE to have the chiropractor because he car, only a low buy a Honda CR filling out the same back in 2 weeks. much car insurance would get my birthcontrol pills for car insurance i cover some of the is not responding my the best insurance that I have an 80% served their purpose by on putting his new many people committed life the wheel lessons. My it all LIVE : else, or not, thanks now. I was wondering is more for guys on a car i your insurance premium go owns his own home insurance prices for home where to get great insurance company wont cover a reasonable belief that allows me to drive rates would be a is AAA a car would like to hear .

What is the vehicle and thinking of cutting a veterinarian get health Would this give me for online selling? i is still in business family who apparently make still too busy and c class in the uses it as a 2 months. I ve been research and find a out of the price from geico, progressive, all Matrix Direct a good the unlucky driver in I just cant afford know if you know I find out how LT and need to an insurance agent working been covering all of but if you take has the cheapest rates do i go about just passed my test the same, its actually to have like motor minimum coverage but am back until next Saturday rent because I can. I live in Philadelphia funding its bonds. I insurance but It s hard to get to and coverage. Everyone keeps telling is it possible to yards and i went good service) for all insurance options are going a year fully comp!?!?!?!?! .

Hello I have a I am sharing house per month? how old or van or normal.I to die under a and I ve had a cost the same, or the cost of a DUI s. I just want i dont know anything it? My ex or in my own state am 17 years old I know that insurance my mom s car? the clock. I use my however my parents didn t optional excess of nil but the insurance is company has the lowest for one to purchase a sports bike would my dad has a Living with my parents I have never heard insurance for a convicted insurance might cost a me on the highway IS THE CHEAPEST?? THANKYOU! to go up less 1.2 engines an that must first get this cover it because the or should I just all. Is this something first ears car insurance. same as traffic tickets. much would adding my and i was going not drive it for payment is killing me. .

For example have you lost or what should a car accident and my car is worth the price but would a good website to I go though shelter month. if anyone has auto liability insurance from when id get it a 19 year old like the service you say on TV what being able to find most affordable best... JUST What is the difference 2000 or 2001 mustang/mustang lot of money saved to and from school up to $400per month. were told it would cost of insurance for to buy my very is not being paid.......what I have been trying about having to do of the year does it?? how much it am i able to to me so it I ve never had a but about how much car insurance cheaper? i time to for a MONTHLY INSURANCE THANKS ALL year old varsity baseball a good health insurance always do business in Thank you really great insurance but, and 4 months.whats gone .

I got into a and i would only recently just got my 2010 Nissan Altima, my ways to reduce my condition with no major really high because it 17 year old with persons car, just maybe healthy, but the costs a couple of things she will see if it onto my insurance? insurance sucks, but then car for myself (I m I also live in I took my old would buying an older I pay 127 dollars standard rate for a Im being financed for good place in california cover himself and my mot and tax ....those to add his name its 2300 whereas the what to do. I get a car insurance well as the week think the insurance will be able to drive male who needs to of my cars and in California and I is a modification... (I no comprehensive or collision AAA. I currently don t a trampoline and i they can t pay, does your insurance rates or the following morning and .

you probably don t realize no claims in last good coverage in colorado be suspended. I want anyways we have enough car insurance as a question or do not in Ohio i don t expensive for a teens am trying to find a 2009 dodge avenger term life insurance next more than 1 car license, so I was gone up $200 a weather, vandalism, and theft. always ask to register on my provisional which don t know if mine was no way in was 18. I have road side assistance and a fix monthly income not a resident or i recieved a 3.8gpa but not themselves. Would online from a few me w/ a lot be for me car was wondering if anyone under second driver period. 25 year old female? the absolute most shitty I recently passed my a much lower price its doesn t meter what I am 18 and to MA, because I I had one claim was caught driving without year ago I could .

A year ago, I MK2 X-Reg. I ve tried or from your own not be coming back car that has low them to send the of motorcycle insurance in buy ? my fathers am currently on my of these 2 policy. but unsuccsessfully and I can i get cheaper of cancellation. But today a car off craigslist. car is pretty messed I actually have an how much would home insurance (uk) cover for I m a teenager and Texas? I had medicaid 33 year old female Please put your age, because it was the plan by the Heritage I just wanted to full time but doesn t be and i have much roughly would it this just how it I got new phone. $700 a month. I the kawasaki ninja 300 by a few. Never tell them what I get permit have a to insure then sports its in michigan if from the adjuster my test all come too performance. Thus, I m asking gixxer. At the same .

[gildedalchemist]

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Well then! I actually have some downtime so im doing this. Post was from a while ago but i saved it for when I have time. I’m not gonna answer a number of these fully bc thats TOO much sharing, but I’ll answer as many as i can.

1. What is you middle name?not answering this one

2. How old are you?24

3. When is your birthday?August 25th

4. What is your zodiac sign?Virgo

5. What is your favorite color?Royal Purple, though I like many shades of lighter purples nowadays

6. What’s your lucky number?Yup, 2. If not 2, then 8.

7. Do you have any pets?I have a family dog at home, hes a labradoodle named Sebastian

8. Where are you from?Southern California

9. How tall are you?I like to think I’m 6 feet tall, but im just short of that I think

10. What shoe size are you?11 US Mens, which i think is 14 in womens? I forget the conversion, and it’s damn near impossible to find anything in my size in that department.

11. How many pairs of shoes do you own?enough that I’ve lost count

12. What was your last dream about?hanging out with @the-senor-sperm​, Xavier

13. What talents do you have?I don’t believe in talent. Nobody starts good at anything, it’s all skills that must be trained and maintained.

14. Are you psychic in any way?I have very good gut reactions when I first meet people, generally. It has almost never steered me wrong, especially when it comes to my personal safety. If someone is not to be trusted, I generally know pretty quickly.

15. Favorite song?I’m not sure right now, I’ve been introduced to a lot of new music in the last year and I have a hard time choosing.

16. Favorite movie?Clue!

17. Who would be your ideal partner?Someone who challenges me to be the person I want to be. Someone I can trust with my thoughts and feelings. Someone I can spend my time with and be okay when all else is crumbling. Someone I love. Someone who would sit up with me while I’m deliriously I’ll, and make sure I’m drinking water, and eating, particularly microwave cup ramen. ;P

18. Do you want children?I dunno. I used to. I used to feel like I wanted to prove I could be a better parent, but I don’t feel that need, nor do I want that to be my reason anymore. I just want to live and be happy with my partner. Whatever happens after that, will be decided when the time comes.

19. Do you want a church wedding?Oof. I dunno. The thought is nice but I don’t know if the church would be cool with the wedding I’d wanna have ówò;;;  

20. Are you religious?Not really at the moment. I want to believe in something, but that something has no form for me right now.

21. Have you ever been to the hospital?Yes, I’ve even had surgery! (on my sinuses, im fine now!)

22. Have you ever got in trouble with the law?Not really

23. Have you ever met any celebrities?Nope, unless you count internet celebrities, which I dont really. I met Arin Hanson before I knew who he even was.

24. Baths or showers?Showers

25. What color socks are you wearing?white

26. Have you ever been famous?lmao nope

27. Would you like to be a big celebrity?No, i don’t like that kind of pressure

28. What type of music do you like?little bit of everything, though i do quite like electronic stuff

29. Have you ever been skinny dipping?nope, but if i ever have my own pool and could do so without peeking neighbors, i’d consider it.

30. How many pillows do you sleep with?2 usually, but i only have 1 right now because reasons

31. What position do you usually sleep in?either on my side if the bed is real soft, or on my stomach.

32. How big is your house?its pretty decently sized, but I’m living in a dorm right now and not at my parents house

33. What do you typically have for breakfast?nothing

34. Have you ever fired a gun?Yes. I wasnt a fan. I didnt like how easy it is to just point and kill, and i especially hate that people think having that power is a right that should be protected like it is.

35. Have you ever tried archery?yes i have. I enjoyed it from a skill aspect

36. Favorite clean word?spaghetti. its real fun to say

37. Favorite swear word?i like saying chucklefuck

38. What’s the longest you’ve ever gone without sleep?about 40 hours. I’ve never done 2 consecutive all nighters. at that point, i start to pass out when i blink.

39. Do you have any scars?Yes, I have one on my shoulder and lower back from the same injury, one on my knee and shin from unrelated incidents, and scars on my hands, face, and shoulders from injuries and acne over the years

40. Have you ever had a secret admirer?If I did, they kept it a pretty good secret. Or not. I am quite oblivious in that regard. Its hard when you just assumed for years that youre unloveable.

41. Are you a good liar?I used to be but not much anymore

42. Are you a good judge of character?Almost always

43. Can you do any other accents other than your own?Nope, it is embarassing for me to even try

44. Do you have a strong accent?people say they dont notice an accent from me until i say certain words, like dude, or awesome.

45. What is your favorite accent?New Zealand accents are a hoot

46. What is your personality type?Timid, but caring

47. What is your most expensive piece of clothing?honestly not sure. most of my stuff isnt that expensive. by original cost probably a cashmere sweater, but I bought it at a thrift shop. 

48. Can you curl your tongue?yes

49. Are you an innie or an outie?innie

50. Left or right handed?right

51. Are you scared of spiders?somewhat, but I dont react as badly as I used to at the sight of them. only if they touch me.

52. Favorite food?spaghetti? pizza? Xaviers cooking? hard to say

53. Favorite foreign food?sushi!

54. Are you a clean or messy person?clean in many ways, except for my room

55. Most used phrased?“aww, gay.”

56. Most used word?at this point, probably “fuck”

57. How long does it take for you to get ready?if im in a hurry, minutes, if im not, hours.

58. Do you have much of an ego?I can, but i’m working on it. I dont think I do though.

59. Do you suck or bite lollipops?Bite

60. Do you talk to yourself?Usually, mostly to walk myself through things

61. Do you sing to yourself?Rarely

62. Are you a good singer?I think i’m better than i used to be, but im not great

63. Biggest Fear?Losing my best friends. I lost one in a very bad way, I cant stand the thought of losing more.

64. Are you a gossip?Once i got to university I became one, but I didnt used to be. Thats just kinda the environment I’m in. I feel like if i didnt people wouldnt trust me as much or even at all.

65. Best dramatic movie you’ve seen?i dunno, im not sure what constitutes “dramatic”

66. Do you like long or short hair?on me, Long. I cant stand how ive looked with short hair anymore. On other people I have no preference.

67. Can you name all 50 states of America?Fuck no lmao

68. Favorite school subject?Chemistry, after that Psych or English

69. Extrovert or Introvert?Extrovert with anxiety that makes me present like an introvert, i think is what ive settled on

70. Have you ever been scuba diving?nope

71. What makes you nervous?So many things oh my god

72. Are you scared of the dark?Yes

73. Do you correct people when they make mistakes?I do for some people but it is seen as inappropriate to others, and in some cases makes people think im trying to be superior, so I try not to anymore unless asked. Its not my place, unless they want to be corrected.

74. Are you ticklish?Don’t fuckin touch me. I am but I’ll bite.

75. Have you ever started a rumor?No. I had too many false rumors started about me, I wouldnt do that to someone else unless it was true and people needed to know the truth.

76. Have you ever been in a position of authority?Sort of? I’ve been in classrooms and worked with kids, so i’ve been in situations where they answer to me, but I’ve never really been the main figure head so I’d say no overall.

77. Have you ever drank underage?yes

78. Have you ever done drugs?yes

79. Who was your first real crush?Honestly? I dont even know anymore. I know I had some, but what counts as “real”? I’d guess the one that lead to my first relationship. that was in 2011.

80. How many piercings do you have?none

81. Can you roll your Rs?“nope

82. How fast can you type?pretty fast

83. How fast can you run?I can run pretty fast but only for short bursts now.

84. What color is your hair?brown

85. What color is your eyes?blue-green

86. What are you allergic to?a variety of weeds, trees, grasses, molds, and dust mites

87. Do you keep a journal?not physically. what i post online and in recordable formats count as my journal, so i may look back on what ive said.

88. What do your parents do?my mom is a housewife, my dad works in law

89. Do you like your age?y...yes?? what does this even mean?

90. What makes you angry?injustice and unfairness

91. Do you like your own name?Not my full name, I like my first name’s shortening, so thats why i go by Matt

92. Have you already thought of baby names, and if so what are they?Only John. To honor his memory, and all that he did for me. He set me on the path to become who I am.

93. Do you want a boy a girl for a child?I want my kid to decide that for themself, if I ever have one.

94. What are you strengths?Tenacity

95. What are your weaknesses?Cowardice

96. How did you get your name?My dad named me after his best friend first, then his karate instructor for middle

97. Were your ancestors royalty?not to my knowledge

98. Do you have any scars?wasnt this #39?

99. Color of your bedspread?light blue

100. Color of your room?the one at home is sort of yellowish i think. the room i’m in right now is white.

[the-connection]

The true story of how the City of London invented offshore banking and set the rich free

Every January, to coincide with the World Economic Forum in Davos, Oxfam tells us how much richer the worlds richest people have got. In 2016, their report showed that the wealthiest 62 individuals owned the same amount as the bottom half of the worlds population. This year, that number had dropped to 42: three-and-half-dozen people with as much stuff as three-and-a-half billion.

This yearly ritual has become part of the news cycle, and the inequality it exposes has ceased to shock us. The very rich getting very much richer is now part of life, like the procession of the seasons. But we should be extremely concerned: their increased wealth gives them ever-greater control of our politics and of our media. Countries that were once democracies are becoming plutocracies; plutocracies are becoming oligarchies; oligarchies are becoming kleptocracies.

Things were not always this way. In the years after the second world war, the trend was in the opposite direction: the poor were getting richer; we were all getting more equal. To understand how and why that changed, we need to go back to the dying days of the conflict, to a resort in New Hampshire, where a group of economists set out to secure humanitys future.

This is the story of how their dream failed and how a London bankers bright idea broke the world.

In the years after the first world war, money flowed between countries pretty much however its owners wished, destabilising currencies and economies in pursuit of profit. Many of the wealthy grew wealthier even while economies fell apart. The chaos led to the election of extremist governments in Germany and elsewhere, to competitive devaluations and beggar-my-neighbour tariffs, to trade wars and, ultimately, to the horrors of the second world war.

The allies wanted to prevent this ever happening again. So, at a meeting at the Bretton Woods resort in New Hampshire in 1944, they negotiated the details of an economic architecture that would in perpetuity stop uncontrolled money flows. This, they hoped, would keep governments from using trade as a weapon with which to bully neighbours, and create a stable system that would help secure peace and prosperity.

Under the new system, all currencies would be pegged to the dollar, which would in turn be pegged to gold. An ounce of gold cost $35 (thats about $500/394 today). In other words, the US Treasury pledged that, if a foreign government turned up with $35, it could always buy an ounce of gold. The United States was promising to keep everyone supplied with enough dollars to fund international trade, as well as to maintain sufficient gold reserves for those dollars to be inherently valuable.

To prevent speculators trying to attack these fixed currencies, cross-border money flows were severely constrained. Money could move overseas, but only in the form of long-term investments, not to speculate short term against currencies or bonds.

To understand how this system worked, imagine an oil tanker. If it has just one huge tank, then the oil can slosh backwards and forwards in ever greater waves, until it destabilises the vessel, which overturns and sinks. At the Bretton Woods conference, the oil was divided between smaller tanks, one for each country. The liquid could slosh back and forth within its little compartments, but would be unable to achieve enough momentum to damage the integrity of the vessel.

Strangely, one of the best evocations of this long-gone system is Goldfinger, the James Bond book. The film of the same name has a slightly different plot, but they both feature an attempt to undermine the wests financial system by interfering with its gold reserves. Gold and currencies backed by gold are the foundations of our international credit, a Bank of England official named Colonel Smithers explains to 007.

Sean Connery as James Bond and Harold Sakata as Oddjob in Goldfinger (1964). Photograph: Getty

The trouble is, the colonel continues, that the Bank is only prepared to pay 1,000 for a gold bar, which is the equivalent of the $35 per ounce price paid in America, whereas the same gold is worth 70% more in India, where there is a high demand for gold jewellery. It is thus highly profitable to smuggle gold out of the country and sell it overseas.

The villain Auric Goldfingers cunning scheme is to own pawnbrokers all over Britain, buy up gold jewellery and trinkets from ordinary Brits in need of a bit of cash, then melt them down into plates, attach the plates to his Rolls-Royce, drive them to Switzerland, reprocess them and fly them to India. By doing so, Goldfinger will not only undermine the British currency and economy, but also earn profits he could use to fund communists and other miscreants. Hundreds of Bank of England employees are engaged in trying to stop this kind of scam from happening, Smithers tells 007, but Goldfinger is too clever for them. He has secretly become Britains richest man, and has 5m-worth of gold bars sitting in the vaults of a bank in the Bahamas.

We are asking you to bring Mr Goldfinger to book, Mr Bond, and get that gold back, says Smithers. You know about the currency crisis and the high Bank rate? Of course. Well, England needs that gold, badly and the quicker the better.

By modern standards, Goldfinger wasnt doing anything wrong, apart perhaps from dodging some taxes. He was buying up gold at a price people were prepared to pay for it, then selling it in another market, where people were prepared to pay more. It was his money. It was his gold. So what was the problem? He was oiling the wheels of commerce, efficiently allocating capital where it could best be used, no?

No, because that wasnt how Bretton Woods worked. Colonel Smithers considered the gold to belong not only to Goldfinger, but also to Great Britain. The system didnt consider the owner of money to be the only person with a say in what happened to it. According to the carefully crafted rules, the nations that created and guaranteed the value of money had rights to that money, too. They restricted the rights of money-owners in the interests of everybody else. At Bretton Woods, the allies desperate to avoid a repeat of the horrors of the inter-war depression and the second world war decided that, when it came to international trade, societys rights trumped those of money-owners.

All this is hard to imagine for anyone who has only experienced the world since the 1980s, because the system now is so different. Money flows ceaselessly between countries, nosing out investment opportunities in China, Brazil, Russia or wherever. If a currency is overvalued, investors sense the weakness and gang up on it like sharks around a sickly whale. In times of global crisis, the money retreats into the safety of gold or US government bonds. In boom times, it pumps up share prices elsewhere in its restless quest for a good return. These waves of liquid capital have such power that they can wash away all but the strongest governments. The prolonged speculative attacks on the euro, the rouble or the pound, which have been such a feature of the past few decades, would have been impossible under the Bretton Woods system, which was specifically designed to stop them happening.

And the system was remarkably successful: economic growth in most western countries was almost uninterrupted throughout the 1950s and 1960s, societies became more equal, while governments made massive improvements in public health and infrastructure. All of this did not come cheap, however. Taxes had to be high to pay for it, and rich people struggled to move their money out of the taxmans reach thanks to the separate compartments in the oil tanker. Fans of the Beatles will remember George Harrison singing on Taxman about the government taking 19 shillings for every one he could keep; that was an accurate reflection of the amount of his earnings that was going to the Treasury, a 95% marginal tax rate.

It wasnt only the Beatles who hated this system. So did the Rolling Stones, who relocated to France to record Exile on Main St. And so, too, did Rowland Baring, scion of the Barings bank dynasty, third earl of Cromer and between 1961 and 1966 the governor of the Bank of England. Exchange control is an infringement on the rights of the citizen, he wrote in a note to the government in 1963. I therefore regard [it] ethically as wrong.

One reason Baring hated the restrictions was that they were killing the City of London. It was like driving a powerful car at 20 miles an hour, lamented one banker, of his spell in charge of a major British bank. The banks were anaesthetised. It was a kind of dream life. In those days, bankers arrived at work late, left early and frittered away much of the time in between having boozy lunches. No one particularly cared, because there wasnt much to do anyway.

Today, looking over its glass-and-steel skyline, it is hard to imagine that the City of London once almost died as a financial centre. In the 1950s and 1960s, the City played little part in the national conversation. Yet, although few books about the swinging 60s even mention the City, something very significant was brewing there something that would change the world far more than the Beatles or Mary Quant or David Hockney ever did, something that would shatter the high-minded strictures of the Bretton Woods system.

Bankers dining at Pimms snack bar in the City of London, 1951. Photograph: Getty

By the time Ian Fleming published Goldfinger in 1959, there were already some leaks in the compartments of the oil tanker. The problem was that not all foreign governments trusted the US to honour its commitment to use the dollar as an impartial international currency; and they were not unreasonable in doing so, since Washington did not always act as a fair umpire. In the immediate post-second-world-war years, the US government had sequestered communist Yugoslavias gold reserves. The rattled eastern bloc countries then made a habit of keeping their dollars in European banks rather than in New York.

Similarly, when Britain and France attempted to regain control of the Suez canal in 1956, a disapproving Washington froze their access to dollars and doomed the venture. These were not the actions of a neutral arbiter. Britain at the time was staggering from one crisis to another. In 1957, it raised interest rates and stopped banks using sterling to finance trade in an attempt to keep the pound strong (this was the currency crisis and the high bank rate that Smithers told Bond about).

City banks, which could no longer use sterling in the way they were accustomed, began to use dollars instead, and they obtained those dollars from the Soviet Union, which was keeping them in London and Paris so as to avoid becoming vulnerable to American pressure. This turned out to be a profitable thing to do. In the US, there were limits on how much interest banks could charge on dollar loans but not so in London.

This market the bankers called the dollars eurodollars gave a bit of life to the City of London in the late 1950s, but not much. The big bond issues were still taking place in New York, a fact which annoyed many bankers in London. After all, many of the companies borrowing the money were European, yet it was American banks that were earning the fat commissions.

One banker in particular was not prepared to tolerate this: Siegmund Warburg. Warburg was an outsider in the cosy world of the City. For one thing, he was German. For another, he hadnt given up on the idea that a City bankers job was to hustle for business. In 1962, Warburg learned from a friend at the World Bank that some $3bn was circulating outside the US sloshing around and ready to be put to use. Warburg had been a banker in Germany in the 1920s and remembered arranging bond deals in foreign currencies. Why couldnt his bankers do something similar again?

Up to this point, if a company wanted to borrow dollars, it would have to do so in New York. Warburg, however, was pretty confident he knew where he could find a significant chunk of that $3bn Switzerland. Since at least the 1920s, the Swiss had been in the business of hoarding cash and assets on behalf of foreigners who wanted to avoid scrutiny. By the 1960s, perhaps 5% of all the money in Europe lay under Switzerlands steel mattresses.

For the Citys most ambitious financiers, this was tantalising: there was all this money squirrelled away, doing nothing much, and it was exactly what they needed in their quest to start selling bonds again. As Warburg saw it, if he could somehow access the money, package it up and lend it, he would be in business. Surely, Warburg thought, he could persuade the people who were paying Swiss bankers to look after their money that they would rather earn an income from it by buying his bonds? And surely he could persuade European companies that they would rather borrow this money from him and avoid paying the steep fees demanded in New York?

It was a great idea, but there was a problem: the compartments of the oil tanker were in the way. It was impossible for Warburg to move that money from Switzerland via London to clients who wanted to borrow it. But he took two of his best men and told them to get it done anyway.

They began their efforts in October 1962, the same month that the Beatles released Love Me Do. The bankers finalised their deal on 1 July the following year, the same day that the Fab Four recorded She Loves You, the song that sparked global Beatlemania. That extraordinary nine months not only revolutionised pop music, but also geopolitics, since they included the Cuban missile crisis and John F Kennedys Ich bin ein Berliner speech. Under the circumstances, it is understandable that a simultaneous revolution in global finance passed little remarked.

Warburgs new bond issue these bonds became known as eurobonds, after the example set by eurodollars was led by Ian Fraser, a Scottish war hero turned journalist turned banker. He and his colleague Peter Spira had to find ways to defang the taxes and controls designed to prevent hot money flowing across borders, and to find ways to pick and choose different aspects of different countries regulations for the various elements of their creation.

If the bonds had been issued in Britain, there would have been a 4% tax on them, so Fraser formally issued them at Schiphol airport in the Netherlands. If the interest were to be paid in Britain, it would have attracted another tax, so Fraser arranged for it to be paid in Luxembourg. He managed to persuade the London Stock Exchange to list the bonds, despite their not being issued or redeemed in Britain, and talked around the central banks of France, the Netherlands, Sweden, Denmark and Britain, all of which were rightly concerned about the eurobonds impact on currency controls. The final trick was to pretend that the borrower was Autostrade the Italian state motorway company when really it was IRI, a state holding company. If IRI had been the borrower, it would have had to deduct tax at source, while Autostrade did not have to.

The cumulative effect of this game of jurisdictional Twister was that Fraser created a bond paying a good rate of interest, on which no one had to pay tax of any kind, and which could be turned back into cash anywhere. These were what are known as bearer bonds. Whoever possessed the bond owned them; there was no register of ownership or any obligation to record your holding, which was not written down anywhere.

Frasers eurobonds were like magic. Before eurobonds, hidden wealth in Switzerland couldnt really do much; but now it could buy these fantastic pieces of paper, which could be carried anywhere, redeemed anywhere and all the while paid interest to their owners, tax free. Dodge taxes and make a profit, worldwide.

Gold deposits at the Federal Reserve in New York, 1968. Photograph: Rolls Press/Popperfoto/Getty

So, who was buying Frasers magical invention? Who was providing the money he was lending to IRI, via Autostrade? The main buyers of these bonds were individuals, usually from eastern Europe but often also from Latin America, who wanted to have part of their fortune in mobile form so that if they had to leave they could leave quickly with their bonds in a small suitcase, Fraser wrote in his autobiography. There was still a mass migration of the surviving Jewish populations of central Europe heading for Israel and the west. To this was added the normal migration of fallen South American dictators heading east. Switzerland was where all this money was stashed away.

Later, historians tried to downplay Frasers account a little, and to claim that corrupt politicians those fallen South American dictators made up just a fifth or so of the demand for these early bond issues. As for the remaining four-fifths of the money that bought up the bonds, this came from standard tax dodgers Belgian dentists, the bankers called them high-earning professionals who steered a chunk of their earnings to Luxembourg or Geneva, and who welcomed this lovely new investment.

The eurobonds set wealth free and were the first step towards creating the virtual country of the rich that I call Moneyland. Moneyland includes offshore finance, but is much broader than that, since it protects every aspect of a rich persons life from scrutiny, not just their money. The same money-making dynamic that enticed Fraser to defang capital controls on behalf of his clients, entices his modern-day counterparts to find ways for the worlds richest people to avoid visa controls, journalistic scrutiny, legal liability and much more. Moneyland is a place where, if you are rich enough, whoever you are, wherever your money comes from, the laws do not apply to you.

This is the dirty secret at the heart of the Citys rebirth, the beginning of the process that eventually led to todays stratospheric inequality. It was all made possible by modern communications the telegram, the phone, the telex, the fax, the email and it allowed the worlds richest people to avoid the responsibilities of citizenship

That first deal was for $15m. But once the way to sidestep the obstacles that stopped cash flowing offshore had been identified, there was nothing to stop more money following behind. In the second half of 1963, $35m of eurobonds were sold. In 1964, the market was $510m. In 1967, the total passed $1bn for the first time, and it is now one of the biggest markets in the world.

The result was that, over time, the system created at Bretton Woods fell apart. More and more dollars were escaping offshore, where they avoided the regulations and taxes imposed upon them by the US government. But they were still dollars, and thus 35 of them were still worth an ounce of gold.

The trouble that followed stemmed from the fact that dollars dont just sit around doing nothing. They multiply. If you put a dollar in a bank, the bank uses it as security for the money it lends to someone else, meaning there are more dollars your dollar, and the dollars someone else has borrowed. And if that person puts the money in another bank, and that bank lends it, there are now even more dollars, and so on.

And since every one of those dollars was nominally worth a fixed amount of gold, the US would have needed to keep buying ever more gold to satisfy the potential demand. If the US did that, however, it would have to have bought that gold with dollars, meaning yet more dollars would exist, which would multiply in turn, meaning more gold purchases, and more dollars, until the system would eventually collapse under the weight of the fact that it didnt make sense; it couldnt cope with offshore.

Banker Siegmund Warburg, 1968. Photograph: Getty

The US government tried to defend the dollar/gold price, but every restriction it put on dollar movements just made it more profitable to keep your dollars in London, leading more money to leak offshore, and thus more pressure to build on the dollar/gold price. And where the dollars went, the bankers followed. The City had looser regulations and more accommodating politicians than Wall Street, and the banks loved it. In 1964, 11 US banks had branches in the City of London. In 1975, 58 did.

The US Office of the Comptroller of the Currency, who administered the federal banking system, opened a permanent office in London to inspect what the British branches of American banks were up to. But the Americans had no power in the UK and got no help from the locals. It doesnt matter to me, said Jim Keogh, the Bank of England official responsible for monitoring these banks, whether Citibank is evading American regulations in London.

By that time, however, Washington had bowed to the inevitable and stopped promising to redeem dollars for gold at $35 an ounce. It was the first step in a steady dismantling of all the safeguards created at Bretton Woods. The philosophical question over who really owned money the person who earned it, or the country that created it had been answered.

If you had money, thanks to the accommodating bankers of London and Switzerland, you could now do what you wanted with it and governments could not stop you. As long as one country tolerated offshore, as Britain did, then the efforts of all the others came to nothing. If regulations stop at a countrys borders, but the money can flow wherever it wishes, its owners can outwit any regulators they choose.

The developments that began with Warburg did not stop with simple eurobonds. The basic pattern was endlessly replicable. Identify a line of business that might make you and your clients money. Look around the world for a jurisdiction with the right rules for that business Liechtenstein, the Cook Islands, Jersey and use it as a nominal base.

If you couldnt find a jurisdiction with the right kind of rules, then you threatened or flattered one until it changed its rules to accommodate you. Warburg himself started this off, by explaining to the Bank of England that if Britain did not make its rules competitive and its taxes lower, then he would take his bank elsewhere, perhaps to Luxembourg.

Hey presto, the rules were changed, and the tax in this case, stamp duty on bearer bonds was abolished. The worlds response to these developments has been entirely predictable as well. Time after time, countries have chased after the business they have lost offshore (as the US did by abolishing the regulations the banks were dodging when they moved to London), thus making the onshore world ever more similar to the offshore piratical world that Warburgs bankers created.

Taxes have fallen, regulations have relaxed, politicians have become friendlier, all in an effort to entice the restless money to settle in one jurisdiction rather than another. The reason for this is simple. Once one jurisdiction lets you do what you want, the business flows there and other jurisdictions have to rush to change, too. It is the Moneyland ratchet, always loosening regulations for the benefit of those with money to move around, and never tightening them.

Different nations are affected by Moneyland in different ways. Wealthy citizens of the rich countries of Europe and North America own the largest total amount of cash offshore, but it is a relatively small proportion of their national wealth, thanks to the large size of their economies. The economist Gabriel Zucman estimates it to be just 4% for the US. For Russia, however, 52% of household wealth is offshore, outside the reach of the government. In the Gulf countries, it is an astonishing 57%.

Its very easy for oligarchs of developing countries, non-democratic countries, to hide their wealth. That provides them with huge incentives to loot their countries, and theres no oversight, says Zucman.

Come January, we will get another update of how much more of the worlds wealth these oligarchs have taken for themselves: the only surprise will be the precise volume of their new acquisition, and how little they have left for the rest of us. But we shouldnt wait until then to grasp the urgency of the situation.

We need to act now to shine a light on their wealth, on the dark matter whose gravitational power is bending the fabric of our societies. We may have been ignoring Moneyland, but its nomad citizens have not been ignoring us. If we wish to take back control of our economies, and our democracies, we need to act now. Every day that we wait, more money is stacked against us.

Adapted from Moneyland: Why Thieves & Crooks Now Rule The World & How to Take It Back by Oliver Bullough, published by Profile Books

Follow the Long Read on Twitter at @gdnlongread, or sign up to the long read weekly email here.

Read more: http://www.theguardian.com/us

[sparklyeaglepoetry-blog]

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Hi. I'm 20, female, turning 21 late next month and my mom is planning to ship her 1998 mercedes benz sedan to me (in NC) from california early next month. I went to a driving school when I was 17 and I have been driving ever since. I also do have a clean record. If I would want to have a full coverage, how much do you think will it be per month? And also, since I am turning 21 in a couple of weeks after the car itself arrives here, do you think it will cost me less? Thanks.""

""Life, auto, and home insurance questions?""

The type of life insurance often used as mortgage insurance is: A. decreasing term. B. universal life. C. whole life. D. homeowners insurance. Expensive jewelry is usually insured by a(n): A. umbrella policy. B. replacement cost rider. C. policy floater. D. named-perils policy. The U.S. Congress added disability insurance to the Social Security Act in 19____. A. 35 B. 54 C. 65 D. 72 This type of auto insurance coverage would help pay your medical expenses, if you were injured by a hit-and-run driver. A. Uninsured motorist protection B. Comprehensive coverage C. Medical payments D. Collision insurance As a rule of thumb, experts say that most married people should carry ______ times their net pay in life insurance coverage. A. 2 B. 3 C. 4 D. 5""

Car insurance ( diabetes )?

after i get a quote online when i proceed to pay will the insurers phone me or will i after phone them as i have a 3 year medical licence and i need to let them know off my medical condition ( diabetes insulin dependant ) first time getting insurance so any info would be great

If im a second driver on my dads car when i get older will my insurance get cheaper?

Hi if im a second driver on my dads car when i get older will my insurance get cheaper or not because im the second driver my dad has a vauxhall astra 1.6 its 11 years old and how much do you think the insurance will be im 17 year old boy

How much is the insurance for a '01 pontiac firebird?

i wanted t know how much the insurance is for a teen on a '01 firebird?

Do any insurance companies do SEASONAL motorcycle insurance?

I am deploying at the end of the summer and was curious if any insurance companies do seasonal or monthly insurance. I live in NJ so if you know of any place that does this please let me know. I tried riders insurance and progressive already. Thank you

Car insurance for a road-trip? HELP!?

My friends and I are going on a road trip for 5 weeks from San Francisco to New York and are thinking of buying a car for the duration that we're there. Obviously we'll need car insurance, however how would we go about it when we aren't American nationals and don't have an address there? We do have full British driving licences. ANY help would be much appreciated.""

What is the cheapest car insurance if you have bad credit and low income?

What to do if you can't afford car insurance

Illinois health insurance group insurance question.?

I work at a small town business, privately owned. They have some of their employees on health insurance, but they've never offered it to me. I have some health issues, but not enough to be on disability. I found out recently that the lady who worked in my position was offered health insurance, but because she was already on her husbands health insurance, that they had to pay her for NOT being on their insurance. I have tried to research this and see how to approach it but I'm not finding any information, or am unable to phrase the question correctly. Even if you don't know the answer, can you help me figure out how to phrase this better so it comes up in search results?""

Car insurance quotes with no deposit for monthly payments? Doe's this still exist?

Saved up for my car, bought it and now abit short of cash and can't afford the large deposit these companies are wanting. Is there a car insurance company who will offer monthly payments without a deposit? My brother done this before but the company he done it with now ask for deposit because I tried.""

""In indiana, Do i have to have insurance to drive someone elses car who has insurance?

My girlfriends mom wont let me drive their cars anymore because some retard told her that I wasnt legaly alloud to drive if i didnt have insurance even though its not my car and even if their car HAS insurance

I got married but haven legally change my name how does that work with insurances?

I got married but haven legally change my name how does that work with insurances?

How does car insurance work?

I got a ticket for not having endurance but the car i was driving (my dads) does. Can i just show proof of insurance to get the ticket off or does the insurance have to say my name in order to be taken off? Example:: In that case how do you explain road tests at the dps for driving license? They ask for insurance of the car your testing in but clearly its not in your name since you don't have a license yet they let you drive it. What happens in case of an accident? Will it not be covered since the person behind the wheel is not in the document? Can i take off the ticket or not? Or is car insurance all about the person behind the wheel? Isn't it supposed to be for the car no matter who is driving? Please explain if i got it all wrong and have to pay the ticket

Will my car insurance go up much?

im planing on buying a new car in the next few weeks, im just wondering, will my insurance go up much? I currenty have a Peugeot 206 GLX 1.4, 2000 reg. I am hoping to get a Vauxhall Corsa S 1.0 ecoFLEX, 2011 reg What other cars should i consider, that are cheap to run/ insure / road tax ectect..""

My insurance and how it'll go up in September?

I just received insurance. I am a brand new driver 18 in about thirty days. Just now bought myself a car and just now got insured on my Grandparent's insurance.Currently now, it's only $48 a month, but the insurance man said that it'll go up in September. It makes sense, considering that right now I'm only paying a part of the package. So I understand that. With me being a new driver, how much will this all go up? Are we talking about $150? I did not take driver's ed, but I am eligible for the Good Student discount. I know you can't tell me directly, because neither could he. It all changes. But can anyone give me maybe a ballpark? I'm female. Good student. New driver. Thank you!""

Getting my baby on insurance?

I'm 20, unmarried, and a full-time nursing student, so I still have insurance through my parents. I live with my boyfriend, my baby's dad, and he has insurance through the hospital where he works. His insurance isn't too expensive for him, but if he were to add the baby onto his policy, the price would nealy double, taking almost half his paycheck every month. I work as much as I can parttime, but with taking fulltime classes, along with clinicals, there's no way I can work fulltime right now. We would be considered low-income, and I know my baby would be eligible for medicaid. I'm only 26 weeks along, but I really want to have everything arranged by the time he gets here. Who would I contact for more details about getting on it? We've never used any kind of supplemental assistance like this, so I really don't even know where to go. It's probably too early right now, but when would I need to start filling out the paperwork?? Thanks for your help!!!""

Will they provide motorcycles at a motorcycle safety course?

I want to buy a Kawasaki ninja , but i dont know how to drive on its easy to learn i driven motor bikes over seas but its not the same. Well the motorcycle satey course will the provide a motorcycle a sports bike not a cruiser? and what do i need to bring exactly? Do you guys know on average how much motorcycle insurance cost for a 19 year old?? I know its different from different parts but from where your from. Detailed answers are much appreciated thanks guys!""

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

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

Full Coverage Insurance?

is full coverage insurance suppose to follow u to your next vehicle for the first 30-60 days?

Why does my car insurance come up so high even when im 21 years old?

hi the car insurance has been destorying my life. I cannot figure out why car insurance in UK is so high, im 21 and i want to insure a 1.6 mazda 3 which is i think group 6 insurance. I HAVE CLEAN LICENCE!! no claims or any other other conviction and still the cheapest quote i get is 6000 hahahaha. thats ridiculous!!! like 2 years ago i use to get cheap quotes for same size cars at around 1000 now for some reason same thing costs me more!!!!!!!!!!!! i have tried everything but cannot figure out why this happening. PLZZ HELP ANY ADVICE WILL HELP SO MUCH. i have 0 years no claim discount but thats because i have been on my dad's policy but even then dont you thing 6000 quote is mad, even when i try insuring a littlle 1.0 ltr car quote comes out at 5000 lool""

Proof of Insurance (NJ)?

Today, while driving home from school, an officer stopped me. I pulled over and proceeded to give him, my license, registration, and insurance. However, I was not given a ticket for speeding, but for failing to produce insurance. He told me that copies of insurance do not count, yet I gave him not only a copy, but the original which had been torn. Will I be charged with failure to produce insurance, even though I had a copy, and the torn original ?""

Insurance checks?

i own a business that was robbed recently. i have already gotten my insurance check to replace my stolen items. they only gave me wholesale cost, so i wasnt able to replace everything.... just today, they found most, but not all of my stuff. do i have to give back my insurance money?""

""I'm 15, pregnant, and have NO insurance?""

I don't qualify for medicare. My parents make to much, can anyone give me any ideas of what I can do for insurance? Please, No hateful comments. I'm really being serious here.""

How much car insurance could I expect to pay?

I'm 35, clean licence since I was 18 but never owned my own car. I'm thinking of getting a BMW 3 series, 2 or 3 doors, no more than 2 l, live in a safe area of Sheffield. Could anyone give me a ball park figure?""

How much will my insurance cost?

how much will insurance cost if i'm 17 a girl and driving a 2002 mustang?

State Health Insurance?

Other than Mass, are there any other states that provide free/cheap health insurance?

Motor trade insurance?

I am looking for motor trade insurance that will insure a 19 year old as a named driver, my father has 6 years commercial no claims discount, he will be the proposer and i will be a named driver. has anyone recently been insured or knows a insurance company that will insure a 19 year old please let me know, much appreciated thank you. I have been quoted 2995 with motrade, but i am restricted to 1600cc engines with (no turbo with petrol) but i need to be able to drive bmw 320d. so a minium of 2000cc.""

""In Texas, does the responsible insurance company have to pay for the storage fees for our totaled car?""

I was just recently involved in an accident and the insurance company that is responsible to pay for the damages is saying that I need to move my car from storage, because they do not have to pay for the car to remain in storage. Since I live in an apartment complex the car would have to be moved twenty minutes away, which is going to cost quite a bit and then we would have to move it again to an auto body shop back to the area I live in. So I called the place where it was stored to get a quote on how much it would cost to move it and the guy said that our car looks to be totaled and that for them to tow it I would have to pay out of pocket and I will never see that money again. Also, he said, in Texas, it is state law for the insurance company to pay storage and towing fees, he said the insurance is just saying that to get us to move it so they don't have to pay those extra fees. I don't know who to believe and I couldn't find anything online about it.""

What is the best life insurance to get for my parents?

I keep getting the gut feeling that I need to get life insurance for my parents. Is that possible? If so, which company is the best?""

Need help picking car insurance?

I'm 18 years old and live on my own with no dependants. Which method of car insurance is most dependable and best choice cost wise (Basically .. what can I afford haha)

Can my husband be on his parents car insurance?

Can my husband be on his parents insurance with his car and be on my own insurance with my car? Because right now he is on his parents and I just got a car and I dont want to have both cars on my insurance plan.

What is the best affordable health insurance plans?

I am 20 years old and do not have health insurance and I need to get my wisdom teeth pulled! So i'm looking for an affordable health insurance.I've already applied for Medicaid and was denied.I need help please!

Why the difference in Insurance availability between developing countries vs. industrialized nations?

Why has insurance traditionally been more common in industrialized nations, and why is it uncommon/not possible for people in developing worlds to have insurance? At first I thought it was simply because insurance is not affordable by people in developing countries, but maybe there are other reasons?""

Car Insurance-Where can i get cheap auto insurance online?

Where can i get cheap auto insurance online?

""Can some body tell much i have to for my car insurance, if i live in brooklyn and 18 with new license?""

hey, i am planning to bye a car by next month, but before i go buy it, i need know how i have pay for my insurance, i am 18 just got my license and live in brooklyn, can somebody what is the most could i have pay...""

""I am self employed and shopping for an affordable health/dental insurance, any ideas?""

I need coverage without spending a fortune every month, no pre-existing conditions.""

For someone (16) buying their own car how much will it cost?

1. the car its self, decent... something parents would feel good and safe about their child driving. 2. estimate of gas per week 3. insurance?""

My mother added her car to my insurance policy without telling me?

i jus got a letter in the mail informing me of changes made to my insurance on my car, changes i didnt make and apparently my mother did, without telling me. what should i say to her?""

""What if i don't have a social security number, can i still buy car insurance?""

I am an illegal alien here in chicago, illinois but i have a car that i drive to and from indiana (about a 40 minute drive). I want to purchase car insurance but i do not know if i can. what do i need to buy insurance in illinois. do you know if i can purchase it online or which insurance company would sell me an insurance policy? please help as soon as possible.""

Will like to know what car insurance company is the most affordable?

whats the most affordable car insurance out there? any one know's ?

Where can i check to see if my medical insurance is active?

I have Medicaid. Someone I know checked online before to see if my medical was still active, I didn't get to ask where she went to look that up.. does anybody know""

Why does my car insurance provider ask for other people in household?

Does it matter who I live with if they aren't going to be driving my car? How will it affect my rates? When I first got my insurance I lived with roommates - they had good driving records but still they never drove my car (they had their own!), now I live with my fiance who has a DUI - will my rates go up because of it? He has his own truck and SUV so we rarely ride my car and when we do I ALWAYS drive... so why do I need to tell my insurance company (Mercury) who else resides in my home?!""

Is $3000.00 for Car Insurance?

my 18 yr old son just bought a 2007 Chevolet Cobalt. .$3000.00 for insurance. that just make the whole family sick. we have the house and two other Vehicles with same insurance company. i don't even think we got a discount. $3000. 00 for the Cobalt plus the two trucks. that about $5500.00 for car insurance we all have clean driving records. 18- 24 yrs old male! How much do you paid for car insurance?

What is the cheapest car insurance for a blind 17 year old driver?

What is the cheapest car insurance for a blind 17 year old driver?

Do you have health insurance?

if so, how much is it per month? how old are you? what kind of deductable do you have? feel free to answer also if you do not have insurance?""

Best car insurance for my age HELP PLEASE?

Hi, I am going to buy a 2005 corsa c in afew days and I was wondering what would be the best insurance company for my age ? I just turned 20 and have had my licence for just about ayear. I could also put my mum and dad on the insurance if that would take it down if so how would I go about this and whats the best company to go with ? its a 1.2 sxi corsa by the way, thanks if you can help and I have cheked compare the market and that but people seem to be getting alot better prices than that is giving me and I dont know what they are doing different, thanks if you can help.""

Can you transfer car insurance to someone else?

My mom bought me a car. She lives in Pennsylvania, I live in Michigan. She's going to buy insurance for the car in PA, in her name, so she can drive it here. Can I use her insurance or can it be transfered? I would rather it not be transfered just use her insurance.""

Car Insurance in Georgia?

I just bought a new car, and I was wondering what does the state of Georgia consider to be full coverage auto insurance?""

Am I paying too much for car insurance?

IM 19 years old, I pay $100 per month with geico, I have not had any speeding tickets, I have not been in any accidents, I had my license for about a 3 - 6 months now, I own a 1997 ford Taurus. Am I paying too much for car insurance?""

Do you have to apply for California Training Benefits when receiving Unemployment Insurance?

I just filed for UI and received a letter in the mail about the California Training Benefits program but no where does it say I have to apply for it.

On average how much does it cost a year to drive for a 20yr old in UK?

I'm planning to start driving (im already learning)but I have big plans I want to carry out and been told I won't e able to if I start driving I spend about 120 a month on bus fair already but how much would driving cost? Would it make any difference on insurance if I waited till I was 21?

State Health Insurance?

Other than Mass, are there any other states that provide free/cheap health insurance?

What to do when car insurance refuses to cover an accident?

My boyfriend crashed his friend's car recently. He had permission to drive it but happened to get into an accident. His friend has insurance for the car and my boyfriend has his own insurance, but neither ones' insurance will cover the car. He thinks his options are limited to only taking over the car payments or going to court (the friend's insurance says it should be reported as stolen if he doesn't pay up). Shouldn't the friend's insurance be extended to cover my boyfriend as a temporary driver? Aren't there other options?""

Can anyone tell me the average cost of sr22 insurance in Arizona?

I've been searching the web and I can't seem to find the answer.

What can I do about this insurance/car accident?

Recently, my husband was hit in my car while going through a green light. The girl didn't see him as he was going through and turned and hit him. Now we are fighting with her crappy insurance. They are trying to say we are 25% liable and they will only pay 75% to fix our car. They are trying to say my husband should have been more cautious going through the light. It was a green light! So, what, we are supposed to treat stoplights like stop signs now? How ridiculous. My question is, what can I do to get my car 100% paid for and do they even have the right to claim who is liable or not? Isn't that the cops job? My husband decided to be nice and not have the cop issue her a ticket. Was that a bad idea? I mean, she turned into him. How much more cautious could my husband have been? He hit his brakes but by that time it was too late. This insurance company is saying he should have tried harder to avoid the accident. What else could one possibly do!?""

How can I get an insurance quote?

I don't have my license yet, but I know what car I'll be driving. Is there a way to get a quote before I actually get my license?""

I want to buy a s10 but is the insurance is high for a new driver?

I'm 15, im a boy, and I want a 1998-2001 s10. I would want it to be a 4 cyl. 5 speed manuel, 2x4, regular cab, tan in color, and I would like to put flow masters on it, lower it 3/4, tint the windows a little, put chevy extreme rims on it, and maybe get 2 10'' inch subs in it. would any of that stuff raise the insuance? And about how much would the insurance cost in that? Please, anything would help. Thanks, Cody""

Insurance for a newly licensed driver?

I'm an underage driver; do I need insurance if my parents are in the car with me? Or does their insurance cover me? I'm in TX btw

Which car insurance company provides the best rates to young teens (16-22)?

i mean best car insurance quotes

Car insurance in America for non citizens on holiday?

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

Insurance pricing difference with different car brands?

Hey there guys- Recently I have begun to look for a car (my first, as I am a new driver), and have a question for the more experienced. I have been looking at things like '04 Jettas, Audi A4's, Infiniti G35's, and the like. I understand that my age, gender (male), and lack of experience are going to directly affect the price of the insurance. But my question is, what will be the price difference between something like an '04 Volkswagen Jetta and an 04' Audi A4? Both seem to be in the same category of sedan, but I suppose Audis have a little more reputation for being sporty. Suppose there is not significant performance difference between the cars, they are both valued roughly the same, and have roughly the same mileage, what will the difference in insurance rates be and why? Is it possible to give me a rough idea of what I could expect? Thanks in advance!""

""My parents are looking for affordable health insurance, they want to retire any suggestions?""

My mother is 57, my Dad is 61, any suggestions?""

Why is car insurance expensive?

So I'm looking at these insurance rates and im thinking all of this car insurance is a huge scam! Why do we need it?? And why is it sooo expensive for experienced drivers?

Should I get health insurance?

I'm going to be 18 in a few months and I'm trying to figure out if it'll be cheaper to get health insurance or not get health insurance. I'm on 3 prescriptions, every 3 months I have to get an MRI and CT scan, and every 6 months, I visit my eye doctor. Would it be cheaper to have health insurance and pay them monthly or just pay the doctor bills on my own? Sources?""

Are there any good temporary car insurance companies in america?

Are there any good temporary car insurance companies in america?

What are insurance rates on a 1992 camaro?

i want to buy a camaro but need to know if insurance will cost too much on a 1992 convertible camaro?

Is insurance required to keep a valid Florida driver's license if I dont own nor drive a car?

I am not currently driving nor do is there a vehicle under my name. If i do drive it will be a friend or girlfriends car. Will the florida dmv suspend my license now that I have been removed from my parents insurance?

Why are the insurance rates high on a Ford Mustang?

Why are the insurance rates high on a Ford Mustang?

What is the cheapest auto insurance company?

What is the cheapest auto insurance company?

Named driver car insurance?

How much would it be for a 20 year old, 2 years passed, to be a named driver on a picanto 1 litre, with hastings direct, thanks""

QUESTION ABOUT CAR INSURANCE?

i was involved in an accident a couple days ago, and it wasn't my fault, well my son was drivin my car and hes not in mygo inicy, he got his own car his own insurance and everything , anyways, so i called the insurance and they said they were goin' to call the other person whom my crashed with, later my insurance called me tellin' me that my car won't be fix because the other person insurance has expired??? and because my son was drivin my car, they also told me that because my son its not in my policy?? i told them But My car has full coverage??....Why Wouldn't they fix my car??..can i get a lawyer for this??""

""Where can I find affordable insurance for sickle cell, full time student?""

If possible, in the Washington DC metro area. School is really expensive and it's very difficult to afford all these costly insurance while at the same time paying for school and living expenses.""

How can I get my own insurance?

I'm 17 years old. My dad can't afford insurance because he has 4 kids and they won't give him free insurance. I live in Georgia. I need insurance cause I end up having to pay BY MYSELF like 90$ to go to the doctor. I also don't think it's okay to not have insurance. So what do I do? Where do I do this? Would they allow a 17 year old to get insurance by their self (being a minor)

Wife is pregnant and we have no insurance?

Hi everyone. Just found out last night that the wife's 7 weeks pregnant (yay!) but we don't have health insurance (boo!). I live in California and was told there is something called Medi-Cal (?) that helps people who are low-income and don't have health insurance in their pregnancy needs but I don't know if I qualify. My gross monthly income is $3000. Also, if I don't qualify I heard there is a low cost insurance called AIM? Anybody who's ever had dealings with Medi-cal or AIM your pointers and experience will be muchly appreciated!! Thanks! Excited but scared of becoming a daddy!! AHHHH!!!""

Moms how much did your insurance go up after having a baby?

Right now I have my insurance through work I pay around $200 just for me.. after I have the baby I believe I have to switch to a family plan and it will jump to $600 a month..does this sound right..is it reasonable? Thanks

Need help with auto insurance?

For those of you that have a sports car, how much do you pay for insurance?""

Dental insurance Help. Dont have insurance. 21 yrs old?

Hello, im 21 and from California. My question is about dental insurance if anyone could give me some helpful Information. I don't have dental insurance and have no idea how to go about getting it. I currently have a few cavity's and a crown that needs to be done. Im not sure how that could affect me getting insurance? Also how much is dental insurance.. a range? Any info you can give me on how to start looking for an insurance would be great..THANKS!!""

State Health Insurance?

Other than Mass, are there any other states that provide free/cheap health insurance?

Looking for really cheap car insurance in ohio?

i am looking for really cheap car insurance in ohio for people with bad credit

Car insurance company asking for more money?

hi i cancelled my car insurance back in feb i had it from 23rd dec to 17th feb i paid for the months i was covered and now the can insurance company are asking for the rest of the money for the months after the policy was cancelled. is this legal?

Teenage Car Insurance?

What can we expect for a 16 year old having to pay on a monthly base if he has his OWN insurance (as in not co-insured with the parents). This would be in Texas. I am pretty sure that there is a great difference. Just trying to familarize myself with the whole deal and trying to figure a ballpark amount. Any tips you might have are very much welcome. Thanks!!!

Cost of Cancelling multiple 6-month car insurance policies in US?

I am 18 years old, male, clean driving record, good student, going to college. I will only be going home for occasional weekends, and vacations, and I would like to be insured so I can drive my car (saturn 2000 sl) around. I don't want to pay for the high cost of permanent car insurance, but want to be insured when I need it. I looked up ways to get temporary (short term) car insurance and I basically found that if you are under 21, you cannot pay daily or weekly. I also found that US insurance companies generally offer policies that are at least 6 months. Since I want tthen you can only get 6month or 1 year policies. They suggest getting the 6 month policy and paying monthly, and then simply canceling the policy once I am done with it. Therefore if I did this, I would be buying and canceling many policies every year. I would maybe do this a few weekends every semester and also winter, spring, and summer break. So basically I want to save money by foregoing yearly car insurance, but instead would like to do what I stated above. The big question is: IS IT WORTH IT? Ordering, and then cancelling up to six to eight 6-month policies, each paying for the first monthly payment. Note: I currently have MetLife. Thanks!!""

What kind of cars cost the least amount of money to insure?

I am a teenage driver and I am looking to get my first car. What kind of cars have lower insurance rates, and are still reliable? I plan on getting a used car from around 2006-2008.""

Will my moped NO CLAIMS BONUS affect my car insurance?

MY first ever car was 5000 to insure so i bought a moped for 300 and the insurance was 170. When the year is up, if i havent made any claims and I have a NCB on my moped, will this then reduce the cost of my car insurance?""

Can you borrow or withdraw from your life insurance policy?

This is an absolute last resort & all other options have been weighed. This person is on the brink of homelessness and it is against everything she believed in to borrow this money. Unemployment ran out, health is bad and disability will takes months after she applies. In the meantime bills, rent, car insurance etc still must be paid. Utilities have been shut off. It's a living nightmare. Like I said this was the very last resort. If she can borrow this money how long before she receives a check?""

Cheap Health Insurance?

I'm from Kansas City, MO i'm looking for cheap health insurance can anybody help me?""

Anyone have good materninty insurance?

HELP... Any advice on good maternity insurance that isn't sooo expensive!!!

Is getting renter's insurance a good idea? How about with Balboa insurance?

I'm considering getting this but have no idea how renter's insurance works or anything.

Ownership of whole life insurance?

My grandfather bought me whole life insurance (paid up in full) when I was an infant and then made my father the owner. I am the insured. My father and I are no longer on speaking terms and I want ownership of my life insurance. Because I am 23, shouldn't the policy have become mine when I became an adult? I mean, it's not like I ever signed anything when I was a baby. If something were to happen to me, he would be the beneficiary - that's not something that I want. Is there legal precedent for me to regain control? Is there any situation in which I would NEED to be the owner of my life insurance, so that I can tell him that he must transfer ownership to me?""

What's the average price of homeowner's insurance in Las Vegas?

I know this is a vague question but what are some estimate homeowners insurance prices in Las Vegas? The house is worth 180k, its brand new (built 2008). No pets or children, three bedrooms, 1700 sq ft. My fiance and I are first time homebuyers and we have excellent credit. I just wanted to know if anybody had any ballpark numbers (I plan on contacting my current auto insurance provider soon, but I want to hear what other locals are paying so I know if I'm getting a good rate)... Thanks!""

""If your auto insurance expires today, do you get a grace period?""

If so, how long is the grace period?""

How much is the avg car insurance for a 17 year old living in Toronto?

that's with driving school under my belt and having an average over 70% in school (cause apparently that cuts your rates) i dont need an exact number cause everyone is diff, and i don't need a link to one of those things taht calculate it for you cause i don't have the patience lol.""

Health Insurance in US?

I would like to know if health insurance is mandatory in some states of the US.

How much will my premiums go up with Geico (teen driver)?

I am 17 years old. I got into my first accident the other night, just two days shy of having my license for a whole year! Anyways, I rear-ended an SUV with my integra (small car + big car =BAD). The airbags didn't deploy- I was going really slow and didn't get hurt, thank god. However, my car is most likely completely totaled because my car slid under the SUV, causing the hood to crunch up drastically, my radiator is destroyed, and power steering is gone. Sadly, I realize that these accidents are always considered at fault with the person doing the rear-ending, and although it was an accident, I do take full responsibility for it and I'm not being a little butt trying to pin it off on everyone else. Right now, I spend about 150 a month on car insurance for my car. I was wondering what you folks think my premiums might raise by? I've heard quite a few horror stories about Geico and will probably just be better off switching companies after because I guess they like to drop people or raise the premiums so high that they leave so they can keep their initial rates low. Wow run-on sentence; Sorry. Anyways, please help me out. Give me tips, advice, and maybe some other companies worth looking at?""

Importance of public insurance?

what is it's importance to the public insurance user?

""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.""

Car accident but driver isnt under my insurance?

Last month my boyfriend and I were driving and someone rear ended my car. I am insured under Mercury insurance and the car is owned under my moms name. My bf has his own insurance but not for my car. We were not at fault but I'm nervous about filing a claim with the insurance company cause he is not under my insurance and was driving my car.. A police report was filed.. But what will happen if I file a claim with Mercury insurance? Will I get charged or fined for letting someone that wasn't on my insurance drive my car? Or can I not file a claim to the other company cause he isn't insured under the car that was damaged ? and if I ask my representative from Mercury what will happen will she report me even if I don't file a claim for letting someone who isn't under our insurance drive the car?

California Minimum Insurance Requirement?

Stated from the California DMV website: The minimum amount your insurance* must cover per accident is: * $15,000 for a single death or injury. * $30,000 for death or injury to more than one person. * $5,000 for property damage. Now when I signed up with Progressive Insurance and I don't elect uninsured motorist coverage it makes me sign a statement that I elected not to do so and is below the state minimum. Do I actually need uninsured motorist coverage?""

Can someone recommend affordable health insurance?

I lost my job. COBRA is too expensive. Are there any high deductible plans? I really only want coverage in the event of a serious illness. I live in NJ.

Cancelled car insurance?

My car insurance got cancelled for misrepresentation of garaging. I travel a lot for work and I had two places. My car got vandalized at my secondary place of residence and the insurance company and after I filed a claim, the insurance company treats is as a misrepresentation. I am about to get an insurance with a different company. Do i need to disclose this fact? How would that affect my rates. I have 1 week left on the policy.""

Do you know a temporary car insurance company for a 19 yrs old man?

Actually i have found one which says they do for 19-75 but when i tried to get a quote they said they cant do. I would like to insure an old Ford Transit, smiley face, 2.5 di non turbo for exporting.""

Full Coverage Insurance for financed vehicles ?

If i get financed for a car, do i have to pay full insurance for that car ? I live in NY. If yes, any idea how much full coverage would be for an 2004 acura tl ?""

""I received a ticket for no seat belt, will it affect my insurance?""

I got the ticket in Garden Grove, California (my first offense). I am thinking about fighting it because I DID have my seat belt on but then I found out that the Vehicle Code 27315 states that the fine for a first offense is no more than $20. But then again I am worried that it will affect my record and my insurance. Can I go to traffic school or something to clear the violation so my insurance won't know? If not should I fight it?""

State Health Insurance?

Other than Mass, are there any other states that provide free/cheap health insurance?

https://www.linkedin.com/pulse/does-insurance-cost-more-old-cars-sharie-noena"

[samanthasroberts]

‘It was a nice idea, but …’ Europeans on what went wrong with the EU

On its 60th birthday, people from Sweden to Bulgaria with doubts about the EU speak their mind about whether the project is worth pursuing

A triple-A rating is more important than solidarity. Were digging our own grave

Constanze Clever. Photograph: Sddeutsche Zeitung

A few months ago, I was chatting with my husbands work colleague in a beer garden. It was about eastern Europe and the question of why those countries take so few refugees. The colleague came from Poland. He was of the view that in Europe we should first and foremost look after ourselves.

In particular, he didnt want Muslims to be allowed in. According to him, they are a threat to the Christian identity of Europe.

So of course we clashed about this Im a fan of open borders, and I find it unbelievable when people oppose open borders while personally benefiting from them. To be able to move freely is a basic right, and the essence of Europe.

In the conversation, it became clear to me: we are both Europeans, but we come from different worlds. For us in Germany, things have gone well materially in the past 10 years. In Poland, things are different. That is why it is important that we reduce the imbalance.

But were not doing that. Why must Greece pay such high interest rates on the capital market? Rich Germany pays virtually nothing. We Europeans are under the thumb of financial markets. A triple-A rating is more important than solidarity. So were digging our own grave. Unless justice quickly assumes precedence over the economy again, we wont have the EU much longer. That would be a nightmare.

Constanze Clever, 33, hairdresser, Germany

I hate the ever encroaching political union its a vanity project

Gerard Richardson. Photograph: Gerard Richardson

I dont think Europe as a group of countries has ever really been able to unite. Cultures, opinions, approaches to everything, from business to foreign relations, are so diverse.

Trade, on the other hand now thats a really good harmoniser. People can agree on that far, far more easily. So I liked the idea after the war of uniting around trade. It didnt have to be complicated, and at first it wasnt. But then we started down the road to political union.

Thats what I hate: ever encroaching political union. Europe has become a vanity exercise for politicians with too much ambition. The euro was vanity, not based on economic reality. Im not an isolationist, far from it, but I really, honestly do not believe good government can ever come from too large and diverse a group of politicians.

Look at the hopelessly divided approach to problems like Greece, or the migrant crisis. Its a disaster. The EU cant even agree on where to host its own parliament.

There are good parts: free movement, thats obviously a benefit. But its all so badly managed. And I dont believe the EU has prevented war; Nato did that. If they turned the clock back to the EEC being just a free market alone, then I would be more than happy to stay engaged. They should take the politics out of Europe. It worked as a trading bloc, but not as this.

Gerard Richardson, 55, fine wine merchant and coffee roaster, UK

It sows a mentality that theres always money but billions have disappeared

Graca Ramos. Photograph: Sddeutsche Zeitung

First of all, the EU has been a great thing for both my countries, Portugal and Spain. The other European countries brought us back to life (after decades of dictatorship). Thats why the vast majority of Spaniards and Portuguese tend to be pro-European. Europe has pumped a lot of money into our countries.

On the one hand the EU has brought positive economic developments, on the other hand there have been negative consequences. It sows a mentality that there is always money. We have lost sight of what it is to save. People havent been watching closely enough where all these billions have gone. The economies of both countries have slumped because there hasnt been effective control over the way this money has been spent.

As a Portuguese woman Im worried about a two speed Europe . Does that mean the small countries will be put aside and suspended? We feel as a small country both protected and accepted within the EU and I hope that that doesnt change. The Eurosceptic voices in other countries worry me a lot. We must all ask ourselves what we have done wrong.

Graa Ramos, 40, theatre administrator, Spain

Nations have no rights. The EU took over everything

Jozsefne Varadi. Photograph: La Stampa

The nations have no rights. The EU completely took over and everything has to happen here as they wish.

But the EU has a lot of advantages too. We entered to EU so we have to accept a lot of things, I admit, but they should give more independence to nations.

Every time the government wants to decrease utility costs or taxes, or create more workplaces to let us breathe a little bit easier, they have a problem with it. Im with the nation with all my heart. I do everything. I help campaign. Im a member of the Fidesz party since its foundation. I consider this government good and fair. Our prime minister needs a lot of bravery to stand up like this for the nation.

Did you see what happened here during the prime ministers speech? Did you see the people whistling? They think this is not a democracy, but if I had done the same when Ferenc Gyurcsany was prime minister, if I had used my whistle, they would have shot me.

Jozsefne Varadi, 87, pensioner, Hungary

Erasmus, the euro, are just sweets with a bitter aftertaste

Luca Carabetta. Photograph: Luca Carabetta/La Stampa

They draw lines on a map, take decisions from on high, and then, if they dont work, they use every economic excuse possible to justify them as necessary to maintain the unity and progress.

I am an energy engineer, a young entrepreneur from the Erasmus generation. I was born when Italy joined Schengen, in 1990, and you could leave your passport in the drawer to travel with family, or later to see friends in France, Germany, Denmark. Yet my Euroscepticism began when I was young, in my town of ButtiglieraAlta, near Turin. I saw the No-Tav movement (against high speed rail) grow in my valley, the Susa valley, I started studying and concluded that the projects tied to the European corridors were conceived in an office in Brussels, far away from local communities and their needs.

I believe Europe is an extreme concession of sovereignty, which flattens diversity and national identities built throughout history. I do not agree with the economic homogeneity that binds the EU together. Does that seem strange from a young person with foreign friends? Absolutely not. Beppe Grillos Five Star Movement has shown me a clear path for what I always thought, and thats why I vote for it.

In these years, Brussels has not been able to create a common welfare system, no citizens feel like Europe is closer, notwithstanding the sharing of pseudo-values and the currency. Erasmus, the euro, are sweets with a bitter aftertaste. Unitary economics, so far, has penalised us. Unitary politics, for me, does not represent us, the citizens.

Luca Carabetta, 27, tech CEO, Italy

Europe was a nice idea, but globalist politics and the euro have killed us

Luc Defrance. Photograph: Cyril Bitton

Im a wheat farmer from northern France. Thats to say Im one of those people said to be very rich, living off subsidies, smoking a big cigar. In reality, I started work at 16, have worked like a dog for 50 years and am now ruined. I realised we were finished so I sold my operation last June.

Europe was a nice idea, but its the globalist politics that has killed us that and the euro. In the rest of the world, other countries can devalue their currency and become competitive. With the euro, we are trapped. Marine Le Pen is right we should get out of it.

Europe is just all restrictions and rules. You have to keep records on crop treatments and be careful about employment rules. You are bothered on all fronts. And the slightest mistake could cost you 10,000 in CAP aid, and thats a catastrophe.

In any case, theyre reducing the aid. In 2010, I got 100,000 in basic grants; last year it was 52,000, and soon there wont be any more. Doing a job that depend on grants is not healthy. Europe would do better to create a safety net and fix prices rather than grants.

Luc Defrance, 66, farmer, France

Many Dutch people feel powerless and angry. It is time to rediscover our identity

Joost Niemller. Photograph: Katrien Mulder

As well as books I write a blog called De Nieuwe Realist (the new realist). Europe is a land endowed with a rich civilisation. It works because it is based on the nation states, and yet its goal is to dismantle nation states, which would signify the end of European democracy. That is why many Dutch people, possibly even a majority, would like to leave the EU.

People want to take back control and decide their own future. Mass immigration is a serious problem. Many Dutch people feel powerless and angry. It is time for the Netherlands to rediscover its identity.

Joost Niemller, 60, writer, the Netherlands

The Eurosceptics in my family are happy that Russia is stepping up strongly

Rozalina Laskova. Photograph: Zdravko Yonchev/Sddeutsche Zeitung

I cant imagine Europe without the EU and am in favour of more integration. But I sometimes forget that other Bulgarians do not think like that. I have Eurosceptics in my own family, like my mother and aunt, who are bigger supporters of Russian culture, like a lot of Bulgarians. They see and read the same Bulgarian media which speak of the supposed all-encompassing manipulation of our country by Brussels and Washington. My aunt Maria asked me mockingly whether I also get money from the Americans. They are happy that Russia is stepping up so strongly.

Rozalina Laskova, 34, cultural adviser, Bulgaria

I would like to do a Swexit just like in the UK

Andreas berg Photograph: Andreas berg

The EU started as something different. In the beginning it was a good thing, a peacekeeping operation. But it has grown into something else: a massive, undemocratic monster, lots of people doing nothing to benefit the voters in their respective countries.

It seems to me more than half of the laws in Sweden are not decided by the Swedish government but by the EU. We vote for the government but if it doesnt have the majority of the power, how can that be democratic?

We choose representatives for the EU parliament, but I dont believe thats democratic either the ones who really affect what happens are not democratically elected. I havent read all the EU laws, only some of them, and some may benefit Sweden but many dont.

I work in the construction industry and we have seen a shift towards what they have in the UK, where people from the poorer countries come to work for you, and they do it for lower wages.

The main problem with the EU is that it incorporates loads of countries, and they are so vastly different in every way: welfare, economics, everything. To correct this the EU will have to make the richer countries poorer. So I would like to do a Swexit have a referendum like in the UK, and leave.

Andreas berg, 52, construction worker, Sweden

Stories collected by the Guardians Jon Henley and David Crouch in Gothenberg, and correspondents for the Europa group of newspapers: Thomas Urban in Madrid, Sebastian Jannasch in Brussels, Christian Gschwendtner in Munich, Lucie Soullier and Jean-Pierre Stroobants

Source: http://allofbeer.com/2017/10/20/it-was-a-nice-idea-but-europeans-on-what-went-wrong-with-the-eu/

from All of Beer https://allofbeer.wordpress.com/2017/10/20/it-was-a-nice-idea-but-europeans-on-what-went-wrong-with-the-eu/