#but still- interest is a thing. those £1000 paychecks will be less and less in real terms unless it increases with inflation

[windcarvedlyre]

A very similar post could be made about maths education.

I feel like people can be overly harsh on it. People that struggle with it and find it boring go on to depict it as boring and abstract in media, which sort of primes the next generation to see it that way. But at the same time, we could be doing a lot more to help people connect the theorems and logical techniques they're learning to real life.

We use those techniques to work out the dimensions of (and materials needed for) a wall we're painting or garment we're sewing or the parts of a furniture piece so they can fit together. We use them to work out how much money we'd get through interest over X years if we save Y per month and can use that to compare the outcomes of different financial decisions. We use them to critique whatever new scientific study journalists are hyping up beyond its original conclusions. We use them in philosophy to check whether our arguments are genuinely airtight.

As a biology student it especially pains me how people are failed wrt statistics and the scientific method. Everyone should be taught things like what variance is, and what makes results statistically significant, and the effect of small sample sizes on the conclusions we can draw from results, and better societal understanding of those things (plus general principles of good experiment design)

And as someone who wants to not starve in the future, on top of the importance of teaching people maths so they can make proper financial decisions I feel like we should be taught more about investing. Actual long-term investment strategies that most people should follow to grow savings over decades, not YOLOing everything into Tesla.

When you understand that kids and teenagers being salty about literary symbolic analysis comes from a very real place of annoyance and frustration at some teachers for being over-bearing and pretentious in their projecting of symbolism onto every facet of a story but you also understand that literary analysis and critical thinking in regards to symbolism is extremely important and deserves to be not only taught in schools, but actively used by writers when examining their own work to see if they might have used symbolism unintentionally and to make sure that they are using symbolism effectively:

[softprincesso]

��HOW TO BECOME A WEALTHY MIDDLE-AGED MAN✨

PT.2: Overview to understanding different saving/retirement methods, investments, and forms of income

2.1 Savings and Retirement

Welcome lovelies to (what I hope will be) a helpful series on gaining wealth and becoming financially literate and independent!

*disclaimer: while this advice can generally apply to many it will not apply to all. Everyone is in a different situation and should do their own research before they take what ANYONE says as fact or law. This is also coming from the perspective of a young, biracial, first generation female business student following a hypergamous lifestyle and who does sw so some advice may be specific to my like-minded ladies, but for the most part I just love money and want to help others find joy in their wallets as well. I am also operating in the US so things regarding accounts, stocks, and certain laws will vary by your country. Also, this is just a fun thing I wanted to do because talking about leveling up and learning and growing and money are my favorite past times. None of these pictures are mine, however I am using some links which may compensate me in some way, but I only used links which were mutually beneficial and would help you gain something as well, they are still just actual sources I use for myself.

✨THINGS TO KEEP IN MIND✨

Financial independence is different than financial confidence.

Financial Independence: “The most common sense of the term is that someone has enough wealth to live as they wish for the rest of their life without having to work.” -Investopedia https://www.investopedia.com/financial-edge/0611/declare-your-own-financial-independence-day.aspx

Financial Confidence: “We define financial confidence as having three aspects,” says Miler. “The first is awareness of how money can be a tool for helping you reach your goals and dreams. The second is financial literacy and understanding economic factors. The third is trust and knowing where to turn for financial advice.” -Forbes https://www.forbes.com/sites/shelleyzalis/2018/06/16/women-money-8-steps-for-growing-your-financial-confidence/?sh=2175b65e2468

While the ultimate goal is financial independence, financial confidence should be the main focus. I’ll give an example why. Imagine there are two people: Rhonda and Jill. Both of them like nice things, love to shop, and participate in the occasional splurge. Rhonda works a regular 9-5 and has a decent salary. She doesn’t have much financial knowledge (translation: financial confidence), but she has a savings account at her local bank and puts a couple hundred into retirement each year and she thinks that's enough. Suddenly, Rhonda wins the lottery. Overnight she has become a millionaire, so she quits her job, moves to LA, and goes on to live life to the fullest. She would now be considered financially independent. However, Rhonda has no idea how to manage all that money. She puts a small amount into that bank savings account and takes the rest to do what she will. One day she tries her luck at a casino, in less than five hours she has lost all of her money and has to start back at square one with no job, only a few thousand to get her through, and no-good way to explain to employers that she just wasted the last 5 years spending money on handbags she now has to sell at a depreciated value. (BTW you would not last not working with only a million dollars in LA for that long)

Now, let’s look at Jill. Jill is an independent contractor and has a relatively steady income. She knows very little about finances, but she actively learns how to manage what she has and keeps up to date on the latest money news. The day that Rhonda won the lottery was just another Thursday for Jill, the only unique point for her was that she opened a savings accounts with a high APY (we’ll say 1%) and put in $5000.00. A little later she also opened a Roth IRA and puts in the maximum yearly allowance of $6000.00. Along the way she opened a brokerage account of her own and started trading in the stock market along with investing in real estate which has given her some extra income to play with each year. Unfortunately, another housing crash occurs, and all of the money Jill invested into real estate is gone. However, since Jill learned the skills behind her choices early on, she is knowledgeable and understands the ups and downs of the market and how to invest her money in other places in the meantime. And, that High yield savings account accrued around $50 more without her doing anything and she has that to fall back on, or worst case she can take out part of her principal Roth IRA contribution. 10 years from now Jill should start to see a steady increase in her Roth IRA that by retirement will be a little over 1 million and she should be comfortable and invested enough into stocks that she gains around $200-1000 extra each month.

I think you understand why you want to be Jill.

✨HAVING ADEQUATE SAVINGS = BEING YOUR OWN LIFEGUARD✨

As discussed in Pt.1 the first goal you should achieve is securing an emergency fund that could sustain you for a couple of months if things were to ever hit the fan, and starting a retirement fund should be in your top 5 goals to complete. The saying, “the rich get richer” is popular for a reason. Wealthy people know how to make their money work for them instead of them having to work for money. An easy way anyone can do the same is by opening the right accounts for your savings and retirement.

Savings: 

All of your savings should be in a high yield saving account or split between different high yield accounts. This is an account which will reward you some interest every period for having money in your account with them. This is incredibly easy to do. You can either research/ask your bank about their high yield accounts or do some googling to find some other bank. Then transfer your money and there you go! When looking at banks understand that the highest Annual Percent Yields (APY), or the interest they will reward you, are going to be from online banks because they have less operational costs than a brick and mortar, but they will also come with their own disadvantages, like less ATMs to access or the inability to use when outside of your country so make sure to look into that. IMPORTANT: Make sure that whatever bank you choose is FDIC-insured so if the bank were to ever collapse or lose your money you have insurance up to $250,000.This won't generate a lot of extra cash, but an extra $20 every year is better than $0.

Retirement:

These accounts usually go by your current situation and what you see for your future.

401K: Probably the most known (I believe it’s only in the States but there might be something close to it in other countries) and that’s just because this is what employers usually offer if they offer anything. It is a retirement fund that your employer will set up and you can predefine how much of your paycheck you want to automatically go into it every time. Sometimes, the employers will also have a match program, and if they do you better max out the money they will contribute because that is FREE money! Most advice that I have seen has said to really only focus on this fund if your employer has that match program, otherwise I would focus on one of the accounts below. https://www.investopedia.com/articles/retirement/08/401k-info.asp

IRA: An IRA stands for Individual Retirement Account. There are three kinds…

                         Traditional: This IRA lets you put in pre-tax money and lets it grow tax-free until you make a withdrawal. Once you make the withdrawal that money is taxed at the current rate of your income at the time. Your contributions are tax deductible so you can write them off of your taxable income of that year. There are limits to how much you can contribute depending on your income, status, and whether you have another retirement fund as well.

                          Roth: With this IRA your contributions are taxed, but when you withdrawal money later on it is tax free. For those of you in a lower tax bracket than you believe you will be in the future, this IRA makes the most sense as you will pay less taxes now than you will when you are 59 ½ (The official age of retirement in the States). There are limits to how much you can contribute depending on your income, status, and whether you have another retirement fund as well.

                           SEP: Simplified Employee Pension. This is also an employer-based plan and may also work better for my self-employed gals out there. I don’t really know a lot on this one so I’ll just leave a link you can look into if it interests you: https://www.investopedia.com/ask/answers/102714/how-does-simplified-employee-pension-sep-ira-work.asp

You can have both a traditional and Roth IRA as long as you are eligible for both. Anyone with earned income (with a job or can prove a steady income) can contribute to a Traditional IRA, however with a Roth IRA, as a single you can earn up to $139,000 and contribute. Personally, if you are just getting started with all of this just set up one IRA and as you learn more you can take steps to get another or switch accounts.

https://www.investopedia.com/retirement/roth-vs-traditional-ira-which-is-right-for-you/

There are a plethora of other accounts, but they are more specialized and the top four should get you started on the right path to saving for retirement. I’m guessing that the majority of the audience reading these are women between the ages of 20-30. Trust me when I say that I love to spend money as much as the next girl, but I also would like to be completely comfortable should anything happen in my older years that screws up my marriage or job, and no one is going to secure that for you.

Also, I’m sorry this is so US-based, but once again it is all I know. I believe IRAs are more widespread than a 401K, but all that takes to find out is a Google search on your part.

Either way, make sure you have a plan going into 2021 for your savings and retirement because this economic whirlwind is far from over and there is always a chance for another recession, depression, or disaster. (Wow O, way to keep the mood light)

This was getting way too long with the investments added so look out for Pt.2.2 on the overview for investments (where the actual fun begins and I can stop being such a stick in the mud)…

VOCAB TO KNOW/RESEARCH:

Financial independence

Financial Confidence

APY

Roth IRA

brokerage account

High yield savings account

principal

401K

Traditional IRA

Once again… if in these posts I ever give bad advice, F- something up, or am just generally ignorant PLEASE call me out! Remember that just like you I am a young woman figuring everything out and while I am confident when talking about money, I am by no means a genius (only in spurts) so any chance to learn I appreciate. I hope you all learned something new today and as always…

With Love,

O

[siphersaysstuff]

So here’s a thing I’ve been working on.

Actually, I’ve been doing a LOT of Lego stuff lately, but I’ve neglected tumblr-ing about it. It’s all over my Twitter (not hard to find), and it’s mainly been light tweaking of the various Modular Building sets, making a cityscape, etc.

I bought the FRIENDS Central Perk set on something of a whim, for the parts. $60 for 1000+ bits, with loads of uncommon colors and accessories and Minifigure parts and etc, was a damn good deal. Parts counts like that tend to run triple-digits. (I’m assuming it’s approaching “loss leader” pricing to attract show-fans who are not nominally into Lego... $60 is.. .swallowable.) And speaking of show-fans... I am absolutely not. At all. Ross in particular makes my skin crawl. But I thought the parts were worth it, so I bought it, and thought it’d be good to build the thing to get ideas on build techniques then break it down.

I ended up doing this instead.

The original set is on a raised platform with an oddly-angled side wall to look like, well, the TV set that it is. I thought it’d be interesting to work it into a baseplate build with a fourth wall... and less fucking tacky decor.

There’s still a LOT to do, as my plans have steadily evolved and gotten more complicated. For example, the fourth wall was gonna be more or less a blank to butt up against another building... but then I realized it’d look better to make this a corner building with windows. (This meant I had to peel the whole damn thing off the baseplates to shove it “right” 2 studs.)

Which ended up necessitating buying a second Central Perk kit for all the parts I’d need. I mean, I could have bought just what I needed off Bricklink, but I’d’ve had to pay at LEAST the original set’s asking price for maybe 1/4th the number of bricks. Thank goodness it went back up on Lego’s site w/ free shipping.

There’s many “dummy” parts in the build I gotta replace with properly-colored ones, like the white bricks by the door. I have some other plans that require parts I don’t got... next paycheck, another Bircklink order...

The white tiles are for window-wall attachment. That assembly is actually bricks turned sideways clipped into a gap. Without the higher platform this wouldn’t work, but I came up with a solution: essentially the reverse of the top of the assembly, which is side-studded bricks that peg into the normal tiles above it...

Technic-hole bricks! It’s not AS secure as clipping, but honestly it’s fine for my purposes. The entire fourth wall will be this way, with the thinner windows separating the two large ones. This does mean the raised platform will be L-shaped to accommodate, but that’s fine. Put some simple 2-person tables against the window-wall.

That back door’s gonna go. That wall is right on the edge of the baseplate and will butt up against another building’s wall... though the outside pic above was taken before the whole-set-shift right. I realized I couldn’t do CRAP with a 2-wide alley or backroom.

I’m not wild about how there’s these tiny visible gaps inside at the door, a result of needing some clearance for the front steps...

The new 2x2 triangle-tile would fill the gaps properly and not interfere with the steps... but OF COURSE those parts don’t exist in tan (yet).

I actually have a plan to lightly adjust for this with existing pieces, but I don’t have the parts in the right colors yet.

So... yeah. Expect more Lego tweaking/build posts around these parts.

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[thebibliomancer]

Essential Avengers: Avengers #189: Wings and Arrows!

November, 1979

But is there any outrageous fortune? You’ll have to read to find out.

Anyway, this is one of those ‘name several things that happen in this comic’ style of covers. If you can’t think of a single intriguing image, you can always just list plot points and hope that’s interesting enough.

Last time: The Avengers lost their priority status because Count Nefaria throwing Wonder Man through a wall led to bad security and also Hawkeye personally offended Agent Gyrich by tying him up and then making breakfast.

Some time was spent without this priority status leading to humor and hijinks but finally Gyrich agreed to compromise with the Avengers provided they do everything he wants them to. So he mandates a new roster of Iron Man, Vision, Beast, Captain America, Falcon, Wasp and Scarlet Witch. This roster immediately changes as Scarlet Witch goes on vacation with an old man that tried to kidnap her. Ms Marvel substitutes in.

Also, a doomsday robot from World War II is accidentally reactivated under the Avengers Mansion and is defeated when Tony Stark realizes that a computer is his mom and makes her explode.

Why do I mention this? Why did I cover Avengers Annual when I did considering the publishing dates are enigmas?

This issue follows right out of Avengers Annual #9! And starts with Thor leaving after that team-up!

I mean, he enjoyed Avengersing again but he has Celestial problems. And I mean the big Kirby dudes, not just of or relating to the heavens.

He’s actually considering calling in the Avengers to help him with that, should the situation suddenly escalate. And Celestials are bad news. They’re so judgemental.

Thor is so lost in thought about the Celestials and their genocidal ways that he completely ignores Falcon and accidentally knocks him out of the air.

Rude, Thor.

This, of course, just fuels Falcon’s insecurity complex.

Falcon: “The dude didn’t even notice me -- and that downdraft he caused is knockin’ me for a loop! Got to pull out of it! Not that anyone’d miss one more hero, more or less! Nobody ‘cept me!”

He manages to pull out of his plummet only a few feet from pavement with onlookers convinced that he was just showing off.

Falcon returns to the mansion and conversations with Iron Man. Iron Man tells him that the Arsenal thing has been taken care of and Falcon tells him that he sorted out that embassy slaying in Marvel Premiere #49.

But speaking of the Arsenal thing, they brought on extra members to deal with that and now they have to sort it out. Once you bring someone into the mansion, they never want to leave. You have to shoo them away or else they’ll set up on the couch, eating grapes.

And yeah. There’s a bunch of supplementary Avengers just hanging out.

Hank Pym is taking a collect call from the Wasp, who got involved in Defenders #76-77 biz and is now stranded and needs help leaving Las Vegas.

Wonder Man is chatting with his bestie Beast and also Cap.

Scarlet Witch and Vision are avoiding having a serious conversation about how she maybe wants to have kids but she’s not sure if she actually does.

And Hawkeye is standing there glaring at Falcon. Because of course he is.

Hawkeye: (So, the Falcon returns to active duty, and I’m back out on the street! Where was he when we were fighting Arsenal? Out solving some murder he should have prevented in the first place!)

Since they’re in the room anyway, Iron Man introduces Falcon to the new security check-in scanner. Which is in the lounge instead of more logically being near the front door. But if that’s how the NSC wants it, who am I to complain?

Based on Ms Marvel threatening to maim someone, its a retinal scanner instead of fingerprint.

So Falcon feeds his peepers to the machine and it confirms him back to active duty and gives him his ID card.

Falcon is in weirdly high spirits considering we saw his self-pity wagon on the way into the mansion. He’s all cracking jokes about the scanner. “You mean, that’s it? Just a card? Don’t I even get a swearin’-in ceremony?” before changing his tune and saying that this Avenger gig is the best thing that ever happened to him.

Which is a far cry from how he’s been acting. Hating being the token, hating that he thinks his teammates are looking down on him, and hating being ineffectual in fights.

I don’t really know what changed his mind.

Its possible that he’s just hamming up how much being an Avenger rocks to get back at Hawkeye for being a dick but Falcon probably isn’t that exact amount of petty and besides, it doesn’t seem to gel with how he reacts to his conversation with Hawkeye which I will now quote.

Falcon: “Uh... say, Hawkeye! Got a minute, m’man?”

Hawkeye: “For what?”

Falcon: “Hey, look -- I just want you to know that I’m sorry about takin’ your place! I...”

Hawkeye: “Feed it to the rubes, Falcon! I’m more of an assest to the Avengers than you’ll ever be! I just hope it won’t be too late when they find out... (jerk!)”

Falcon: “(Whoa!)”

Geez, Hawkeye.

Yellowjacket dismisses the tantrum, saying that Hawkeye is never happy unless he can complain about something. But then he flies off to go fetch Wasp from Vegas.

Wonder Man decides he’d better skedaddle too. Apparently, his dream of becoming an actor is really taking off. He’s got a role on an off-Broadway stage and a lovely young starlet as a girlfriend. Yup.

Falcon and Cap go to the communications center to let Gyrich know that Falcon is back on active duty, that the internal security has stabilized, and that the stand-by Avengers have all departed.

Agent Gyrich: “Excellent! Thank you for your prompt report, Captain... and I notice you’ve been doing your paperwork on time, too! I knew you Avengers could get in the habit of standard operating procedure! Now all that remains is to reinstate the Scarlet Witch and return Ms. Marvel to stand-by status!”

Oh god. He’s smiling.

He... he actually seems happy. I don’t think he’s the tyrant the Avengers see him as because if he was, he’d be instituting new rules just to keep the Avengers from getting comfortable.

But he’s gotten them to take security seriously, do their paperwork, and has the roster he likes and he’s content.

And then Scarlet Witch walks in and announces that she’s still got a lot of work to do on herself so she’s going to take some more me time.

To the surprise of Vision and Cap and the annoyance of Gyrich. He was in his happy place only too briefly.

Agent Gyrich: What is it with you people?! Why can’t you cooperate with me just once? Doesn’t anyone up there speak English?! Stay right where you are! Don’t move... don’t even answer the telephone! I’m returning to New York in a few days... and then, I’ll settle this mess -- once and for all!”

And then he hangs up, leaving a befuddled Wanda wondering what she said and Cap to facepalm.

Also, you’re your own woman, Wanda, but I feel like this is something you should have mentioned to Vision before anyone else.

But before we follow up on that, its time for a lengthy Hawkeye digression.

Although digression feels like the wrong word. Its more like... this is a Hawkeye issue and there are some Avengers bits tacked onto either side.

Which, fine. Wanda got her time to shine recently. I guess Hawkeye can have his too.

Hawkeye, of course, spends his time to shine bitterly complaining about the Avengers.

He can’t believe the Avengers are letting themselves be pushed around by Agent Gyrich.

Hawkeye: “They wouldn’t have stood for it in the old days! Maybe this is nature’s way of telling me I’m better off on my own. Who wants to be an Avenger under these conditions, anyway? Stop conning yourself, Barton! You do!”

He returns to his crappy apartment and checks his crappy mail. He has some replies to job applications he sent out but they’re all rejection letters.

In a rare case of reality intruding onto this fantastical comic adventure, Clint Barton can’t get a job because the only experience he has under that name is carny work and ‘Clint Barton’ has been out of work for several years because he’s been Hawkeye. But he can’t explain that without revealing his secret identity!

What a fix! Plus, I don’t think he has any marketable skills other than hitting people and shooting bows.

Makes one wonder what he did for money during those other times he was not on the Avengers. I know he did some solo Hawkeye work but it apparently didn’t work out. Oh, and he got a job on a ranch when he was being a cowboy.

Also, Hawkeye’s apartment has a scenic view of a brick wall and he has reacted to that by taping a picture of Scarlet Witch up.

Not his once flame Black Widow, not his surrogate father figure Cap, or any of his other Avengers buds. Just Scarlet Witch.

Geez, Clint had it bad for a woman that at no point had any romantic interest in him. Or maybe she’s his best friend at this time? That would be a more charitable interpretation.

So its either a bit creepy or cute that he has a picture of her taped to a brick wall.

He also seems to have a picture of Falcon he’s using as a dartboard. Which. C’mon, be better than this, Clint.

I mean, be less of a petty person but also be better at darts. For the marksman, you don’t seem to have gotten any bullseyes and one dart isn’t even on the picture. Get your shit together.

Its also revealed here that part of the new organizational policies at Avengers, the stand-bys are being put on retainer. $100 a month just for being available to maybe being called in to save the world. Clint just scoffs that its not even enough to pay his rent.

We later learn when Tigra joins the team that active Avengers get $1000/month. That’s not bad in back then money but even my job pays more then that.

Presumably the Avengers paycheck would have gotten adjusted. There’s a reason Spider-Man hugged Tony when he offered him a paycheck in New Avengers and didn’t say ‘c’mon man, I’ve got a wife and a constantly dying aunt to take care of! Being a freelance photographer is more worth my time!’

Also I wonder if other superhero teams give their members an allowance. I’m thinking with the X-Men, definitely. But every time, Professor X lectures them on fiscal responsibility and Jubilee is just rolling her eyes.

Fantastic Four... probably the same. But with Reed instead of Xavier and with Ben going ‘material possessions are one of the few ways I can forget this nightmare you trapped me in.’

I assume that when the Champions were still around, Angel showered them in money to prove he had money.

With the Defenders, you’re lucky if Dr Strange doesn’t lecture you about fiscal responsibility arbitrarily. He’s not giving you money. He barely has enough to buy a sandwich for Wong. Nighthawk might give you money but that involves interacting with Nighthawk.

With the Brotherhood of Evil Mutants, Magneto will give you all the money you want as long as you somehow relate your purchase to defeating the X-Men or overthrowing humanity.

‘So you see Magneto, this meatball sub will give me the energy and determination to punch Cyclops in his stupid face’

‘... Purchase approved. SO SPEAKS THE MASTER OF MAGNET!’

And I’ve driven this joke into the ground. Lets move on.

Clint bemoans that nobody is looking to hire ex-Avengers and then immediately after spots an add from Cross Technological Enterprises looking for a new security chief.

It doesn’t strictly say ‘ex-Avengers’ but it does say “must have experience” and also “good benefits.”

This looks like a job for HAWKEYE!

Hah.

Of course, we remember how Hawkeye applies for a job, right?

Because, yeah. That’s his idea of how to make a first impression.

When Mr. Keeshan arrives at Cross Tech he finds that Hawkeye has broken into his office despite CTE having the most sophisticated security system known to man.

And then when Mr. Keeshan tries to sound the alarm, Hawkeye shoots him with arrows.

BECAUSE HAWKEYE.

To be fair. It works.

Hawkeye: “That was just a sample of what I can do. I read how you’re having problems with theft around here -- and then, I saw your ad. I need a job right now... so I figure I’m your man! I got through your security, after all! And if I can save the whole planet -- like I have -- I ought to be able to protect your crummy plant for you!”

Mr. Keeshan: “Hmmmm...”

And two nights later, Hawkeye is on the job.

He’s got a new, better apartment, his own personalized coffee cup, and the satisfaction of spitefully comparing Cross Technological to Stark International. Also, he gets to read lewd magazines at work.

Finally, a job for Hawkeye!

But the alarm goes off for Warehouse 12 so Hawkeye is actually going to have to do some work at work.

Which he’s actually excited about. Because he wants to show off. Plus, they’ll be less likely to fire him if he actually accomplishes the thing he said he could accomplish.

Hawkeye: “Hoo-hah! Action at last! Now I’ve got the chance to show everybody how good I really am! I feel great -- just like back when I was starting out... only this time I’m on the right side of the law!”

When he gets to warehouse 12, he sees a giant hole melted through the roof. And to be fair to Hawkeye, he shows off some analytical skill here. Befitting an experienced Avenger slash thief.

He knows nothing came down the halls because he would have seen it on the monitors so he was expecting the intruder to come through the floor or ceiling. Since a helicopter or small plane would have been spotted, he’s expecting that the intruder flew in under their own power. And since the guards are knocked out but nothing is missing, the intruder(s) must still be here somewhere.

And he sees a winged shadow and immediately assumes its the Falcon.

C’mon, Clint. Don’t be like that.

Actually, the intruder is Deathbird, Shi’ar renegade and “first-born of the Aerie.”

She was actually one of Ms Marvel’s enemies but Ms Marvel is pretty generous with her rogues gallery.

Always loaning them out to other people. Like giving Mystique and Rogue to the X-Men.

The fact that she’s in Ms Marvel’s league causes Hawkeye a flicker of doubt but he wouldn’t be Hawkeye if he let that stop him.

He uses a sonic arrow but all it does is piss her off. She pulls out some giant knitting needles she calls energy javelins and uses them to shoot electrical blasts at Hawkeye.

Hawkeye: “Electricity? You gotta be kidding, lady! This is Hawkeye you’re dealing with -- I’ve walked away from fights with Iron Man! Problem with you is -- you’re way too used to tangling with Ms. Marvel... and she was new at this game when you met her! I’ve been around a lot longer -- and I know there’s a lot more to this than just hitting people! Like -- electricity can’t hurt you when you’re not grounded... and you don’t have to point a weapon at someone to make it useful!”

And he uses a cable arrow to swing from a girder and THOK Deathbird in the back.

He raises a good point here. Experience can be more important than sheer power and he’s been doing this since 1964.

Experience and cunning is a lot of how characters like Hawkeye and Captain America keep up in a world of Ironed Men and Spidered-Men.

Strength is still worth a lot though. As Deathbird just grabs Hawkeye off her back and flings him into a pile of boxes, leaving him sprawled humorously head under heels.

He’s too used to working on a team where someone is watching your back. Allegedly. I mean, I’ve seen a lot of Avengers fights where people go down because nobody was really watching their back because Avengers love to get in one-on-one fights.

Deathbird reveals a somewhat sympathetic motivation. She’s just stealing equipment from Cross Tech because she wants to go home and get off this crazy planet. She doesn’t even want to really hurt Hawkeye. Well until he kicks her in the head. Then she throws a javelin into his shoulder because seriously, who does that?

The javelin doesn’t pierce his chain-mail shirt that he always wears but it did hit a nerve, paralyzing his left arm. But that’s one of his archery arms!

Also she’s still trying to zap him so he does some quick thinking and throws an electro-arrow into a fusebox, casting the warehouse into darkness.

Deathbird can’t see in the dark so she assumes Hawkeye fled. But others will come and she doesn’t want to be discovered.

Deathbird: “Again I must abort my mission! Again I fail to redeem myself in the eyes of the Aerie! For this, I swear -- on my warrior’s oath -- both the archer and Ms. Marvel will pay!”

So time to skeedaddle. And she flies towards the hole in the ceiling.

Which is what Hawkeye was waiting for. With a net arrow.

The net is titanium-steel so she can’t break it. And the way it snagged her, her razor-sharp wings are pinned back so she can’t cut it.

She’s caught.

Later, some guards show up to take Deathbird away and to stretcher the injured guards to an ambulance.

Hawkeye is looking like a real big shot to his subordinates. One even asks if he can teach them how to fight like he does.

As she’s being led away, Deathbird tells Hawkeye she won’t forget this.

Hawkeye: “Birdie, if you want something to remember me by, I’ll give you something to remember me by!”

And Hawkeye gotta Hawkeye.

Which in this context means 'non-consensually kisses someone.’

Which reduces Deathbird to symbol swearing at him while he smugly says “I can’t say it hasn’t been fun, Deathbird -- but my datebook’s all filled up for a while! So don’t call me -- I’ll call you!”

Hawkeye, why you gotta be like this?

I mean, we can all agree that this is not a great thing to have done, right?

One of the guards even seems to be facepalming and planning a letter to HR. Someone is in for a sensitivity seminar. And its going to be Hawkeye and absolutely none of it is going to stick.

Also, I don’t believe that Hawkeye does have any dates lined up. Don’t be lying, Hawkeye.

I think Gambit does this kind of thing too, in the 90s. Kiss female opponents in the middle or aftermath of battle. And I know that he never gets sensitivity training.

Don’t be like this, people writing these characters.

Anyway, finally back to the Avengers and Jocasta (REMEMBER HER??) returns from a nice walk.

She’s got problems.

Jocasta: “The Avengers! Am I capable of facing them again? I cannot bring myself to communicate with them...”

I wonder what appliance Gyrich eventually decided to classify her as so as to spare himself the headache of sorting out her legal identity.

Also, it seems that she still hasn’t been able to connect with any of the Avengers and she keeps not showing up in the book and the Avengers don’t comment on it so it seems they still just see her as a piece of the furniture.

=(

Anyway, she has returned right in the middle of a blazing row between Iron Man and Gyrich.

With Cap having to hold Beast back from just punching Gyrich in the back of the head.

Remember, Gyrich’s fantasy league Avengers roster has Scarlet Witch on it. And the fact that she asked for more time off is just ruining that for him.

Iron Man’s counterargument is simple and convincing.

Iron Man: “Blast it, man -- I don’t care what your regulations say! We cannot force people to be Avengers against their will -- and if the Scarlet Witch doesn’t want to stay, there’s nothing we can do about it!”

Agent Gyrich: “Have it your way, Iron Man! But you won’t be able to do anything about anything -- ever again! As far as I’m concerned, this is the end of the Avengers!”

Beast: “Again? But that trick never works!”

Captain America: “Shut up, Beast!”

Which is apparently a Rocky and Bullwinkle reference. That thing Beast said.

Joking about his fantasy roster aside, I wonder why Gyrich is suddenly putting his put down. He was pretty lenient when the Avengers were taking personal days so long as they submitted their paperwork.

I feel maybe its because due to circumstances outside their control, the Avengers have kind of been overusing that?

Like I’ve joked about, Gyrich’s roster is barely set up when its been subverted to hell and back.

Scarlet Witch instantly took some time off and had to be replaced with Ms. Marvel (who threatened to maim somebody). Iron Man took time off to be accused of murder and had to be replaced by Wonder Man. Then there was the Arsenal thing where Falcon, Wasp, and Ms. Marvel are on personal biz and Yellowjacket, Hawkeye, and Thor are brought in to help out.

There hasn’t been a single point where Gyrich’s roster has actually been a thing and it might seem like the Avengers are doing it just to undermine him.

Or maybe he’s a petty Walter Peck sort. Its hard to tell. Jim Shooter wrote Gyrich as the asshole with a point. Other writers often just write him as an asshole.

Hm.... I wonder if the title Wings and Arrows was supposed to be a red herring that Falcon and Hawkeye were going to throw down. That would explain the scene where Hawkeye mistakes Deathbird for Falcon.

Anyway, the Avengers are on trial next time?! I wonder what cool celebrity lawyers will be involved!

You should follow @essential-avengers. Because I’m a cool person who doesn’t throw darts at a picture of the Falcon.

[wozman23]

Roller Coasters and Car Wrecks: Both The Physical and The Emotional Kinds

I’ve recently taken a couple of trips to Six Flags, but those haven’t been the only roller coasters I’ve been on. And I’ve recently been part of or witnessed a few car wrecks. In every instance, these last few months have been absolutely absurd in the most beautifully nerve-racking of ways. For my own well being and sanity, I’ve needed to severely cut my time at Aldi for quite some time. Despite the fact that I’ll be losing about $1000 a month, I’ve now done that. I’m two weeks in to being a part timer. Yet I fear I pushed myself a bit too far for those eight months. The constant lack of sleep has seriously impaired me, yet I continued to push my limits despite countless signs. First off, many months ago, after a gym split shift that started at 5 AM and ended at I-don’t-even-remember-how-late PM, I backed into someone pulling out of a parking space in a Walmart parking lot. It was the most minor accident imaginable, but my insurance company didn’t give a damn. So when it came time to renew, they raised my rates, and I decided to stop carrying collision and comprehension on my 12 year old car. Then a few months back I destroyed two tires after falling asleep at the wheel. That was the most literal of wake up calls, and a $400 mistake. It was really the turning point that made me question how hard I was pushing myself. I’m still grateful that the situation wasn’t much worse. Then again, yesterday, while not paying enough attention while trying to maneuver my way out from a gas station and in to a turn lane through a few lanes of traffic stopped at a light, I took too narrow of a path when squeezing between vehicles and put a nasty scrape across my passenger side rear door and quarter panel when I brushed up against the bumper of a semi. On one hand I was pissed off! Why wasn’t I paying more attention?! It’s either something that’s gonna cost quite a chunk of change to fix, or it’s something that won’t be worth fixing and I’ll just have to stare at my mistake until it’s time for a new ride. On the other I was relieved that the semi driver didn’t care since the rigid metal bumper took pretty much zero damage, so all we did was shake hands and agree that we didn’t need to exchange insurance. So now my car, which looked alright when it moved to California, is in much worse shape these days. The right side alone has taken a rock to the windshield (hey, at least that one wasn’t my fault), some chipped paint on the rear bumper, and now a giant war wound. Like many cars on the road out here, it is beat up. I now joke that it’s my badge that I’m a true Angeleno. But, contrary to how it sounds, my life hasn’t completely been a series of car accidents. It’s had its ups as well. I’m fortunate that my gym job is a pleasure. I absolutely love it, my clients, and the vast majority of my coworkers. I couldn’t imagine a better, more fulfilling job. And just tonight I cemented a promotion by barely squeezing out the required amount of training sales dollars and supplement sales - largely in part thanks to my amazing clients and coworkers who pulled some favors for me to get close enough to those requirements, and me throwing a few hundred down on supplements knowing I will make my money back in the next three months.

But just as I lessened my role at Aldi, I’ve also lost some good clients. While my paychecks have been on the up-and-up, my overall net pay is in a state of flux right now. And if those sales numbers don’t maintain - which they’re trending not to - I take a demotion back to where I was after another three months. So I’m really uncertain on where that roller coaster is heading next. Couple that with the fact that I’m still clearly mentally and physically exhausted from both jobs and the continued effort of trying to make that relationship I was interested in work, I’ve been in a really weird headspace. That physical exhaustion also means that I’ve curtailed my workouts. I haven’t consistently run since my injury around six months ago, and my lifting has been the most inconsistent it’s been since I began this journey a few years ago. I don’t doubt that’s also influenced the uneasy feeling I’ve been having. Most days I’m still filled with chipper whimsy, but I’ve noticed my mood start to swing in less desirable directions. While it’s nowhere near as crippling as it once was, I’ve finally began to feel a normal, acceptable amount of anxiety about my future, which is to be expected from such chaos. I’m actually surprised it took this long. But that small level is actually nice to have again, because it lets me know I’ve crossed my limits. I wish it would have let me know months ago. Maybe then my car - which seems to be more and more representative of my battered psyche every day - wouldn’t have taken the brunt of the damage it has. Maybe this steam of consciousness would be more coherent, and maybe I’d have the energy to proof read it. Then the pinnacle! Tonight we were supposed to celebrate promotions at work by meeting for dinner. Reservations were made around a month ago, but it kept getting pushed back. Finally hitting my goals, I was invited hours before the event. So after putting in a full day at the gym striking out on getting that out of pocket cost of my supplements any lower- because I’m still not that great of a salesman - I picked up another $200 worth of amino acids, creatine, joint flex, and multivitamins, drove over to the place we were supposed to meet... and found out it had closed down a few weeks ago due to a fire. A backup plan hadn’t materialized yet, so being mentally and physically spent, I laughed it off and went home. And on the way home what should I find: a traffic jam. The cause: the same generation Corolla as mine with a crushed front end after rear ending someone on the 5 (see again I’m a true Angeleno because I don’t call the interstate I-5 anymore). I’ve had some pessimistic moments. I’ve laughed. I’ve cried. I’ve been angry. I’ve been desperate. I’ve questioned whether or not moving here was the right choice. Yet, despite all of my turmoil and absurdity, there are constant reminders that things could always be worse. My place of employment didn’t burn down and while my car may be unsightly, it is still drive-able. Thanks to killing myself with two jobs, I’ve nearly replaced all the money in my savings that I blew through to get established. Overall, I remain predominately optimistic. My roller coaster has the potential to be heading up. I’ll be making around $4 more per hour when training clients, which equates to around $22/hr. I’m coaching an all-time high of 7 Gold’s Burn classes a week, which gets me $32/hr. I’m getting more full nights of sleep, which is the thing I need the most. I’ve got more free time. I’ll have most weekends off. I went for a run today with a client and her husband - the one who I resigned that put me literally $10 over my sales goal. (As a thank you I bought her some protein powder.) I’m hoping I can make those runs a semiweek(end)ly occurrence with a few clients/friends. I’ll have more time to catch up on video games, a month’s worth of Conan episodes that I haven’t watched, and a few other shows. And despite a few missed opportunities on previous invites, I might have finally talked Lisa into coming to Six Flags with me and our mutual friend on July 10th. And maybe we’ll hit the water park later next month. When I went to Six Flags last weekend, one roller coaster was shut down almost the entire day. But it reopened just before close. We hopped in line, got all the way to the front, literally waiting to be the next to hop on... And then a car got stuck on the climb... We waited while they tried to fix it,and watched as the next person-less test car got stuck again. Many people behind us left. But in the end we stayed, they got it up and running, and we got to ride arguable the best ride there.

That’s me: I push through shit, stubbornly. I’m determined. I’m always looking to move forward. When I want to hit a goal for a half marathon, I do so at the expense of my ligaments. When I hit a curb, I don’t put the car in reverse. I just run it over. When I start to hear my car door scraping against a semi, instead of stopping I just let it scrape the whole way. It’s not always the smartest decision - clearly. Had I stopped, fixing a single small blemish on the door would have been a relatively cheap repair. But in other, not-car-destroying related instances, it can be a benefit. Life is fucking weird, and that’s why it’s fun. It reminds me of a snippet from a song I fell in love with that I found not long ago, Incandenza by Waking Aida. I posted it before, but it bears repeating: “When you open your hands to catch and wind up with only blisters and bruises; when you step out of the phone booth and try to fly and the very people you want to save are the ones standing on your cape; when your boots will fill with rain, and you'll be up to your knees in disappointment. And those are the very days you have all the more reason to say thank you. Because there's nothing more beautiful than the way the ocean refuses to stop kissing the shoreline, no matter how many times it's sent away. You will put the wind in winsome, lose some. You will put the star in starting over, and over. And no matter how many land mines erupt in a minute, be sure your mind lands on the beauty of this funny place called life" - Sarah Kay

That poem eviscerates my soul for so many reasons. It exemplifies the last few years of my life perfectly. It reduces me to tears - happy tears. I honestly have no clue where this roller coaster is headed, but I’m enjoying the ride, the people I’m riding it with, and all its ups and downs. If you’ve made it this far into this post, or even just cared enough to skip to the bottom, thank you for being in my life. Thanks for the encouragement. Thanks for laughing with or at me. Thanks for inspiring me. I hope you see life through the same glasses I do. If I can give you but one thing, I hope it’s that childlike optimism.

[sokosaves]

let’s get started.

I am 26 years old. I graduated college in 2013 and had approximately $12000 in student loans plus interest. I was lucky enough to get a job directly out of college and i was living on my own. i thought i had everything managed. i thought i was making ends meet. i was going out with my friends nightly and eating out more often than not. then my student loans came due. because i took out minimal loans, my monthly payment was very small. but i was still unable to pay them. i would pay one month and then not pay for two or three months. then when i attempted to pay again, the majority of my payment went to interest. it was a crap feeling. but i would continue that cycle until i just decided to not pay them for about a year. 

then came the news. my company was moving. i could either elect to move to a new (old) city or try to find a new job where i was currently living. at the time i was making very little money. i was obviously not making it work. so i decided that i would move with my company. they were relocating to the area i grew up and i would be able to live with my parents. i sucked up my pride and i moved home. the savings were very enticing. i would save over $1000 a month. i should have had my loans paid off in less than a year. i should have been able to save a ton of money. but i didn’t. i took my lack of financial responsibilities and spent money like it was going out of style. 

i started traveling. i went to vegas. twice. and took a two week european vacation. i bought a ton of STUFF. stuff that i didn't need. stuff that i still haven't used. i have a weakness for cosmetics and craft supplies and stationary products. and my bank statements reflect that. 

that european vacation that i took? i use a small regional bank. they wanted to charge me $5 plus a 10% transaction fee for every card swipe. so i got a credit card. (super smart move). it had no foreign transaction fee! i needed to raise my credit score! i had tons of reasons. none of them were REALLY valid. i quickly maxed my card out. and then they raised my limit. so i maxed that out too. 

i finally got serious. i started listening to dave ramsey. a ton of his stuff actually got through to me. i wrote a dang budget. a very restrictive budget. i cut out a lot of stuff that i had been spending on. all of those things i loved. nearly completely gone. 

but then, i ruined budgets. quite a few of them. i would impulsively spend. but not small amounts. not a candy bar or a soda at the walmart checkout. huge ulta and sephora purchases (because who can pass up a 20% off coupon on prestige products). giant michael’s hauls. i never cut up my credit card. i would pay off a few hundred dollars and then i would use that “extra money” to buy more stuff. 

the one thing i had going for me was that i had preplanned and scheduled my student loan payments. i never let myself cancel one. nearly half my paycheck every pay period went directly to that loan. 

eventually it was gone. it took me over a year, and i wish i had tracked it more diligently, but i paid off that student loan. and it was a load off. it was a really exciting moment. and i wish that that was the end of my debt journey, but it wasn’t. more on that next. 

[angelamhiller-blog]

Black Coffee: The Needle and the Damage Done

It's time to sit back, relax and enjoy a little joe …

Welcome to another rousing edition of Black Coffee, your off-beat weekly round-up of what's been going on in the world of money and personal finance.

Happy New Year everybody! Let's get this party started, shall we?

Whenever destroyers appear among men, they start by destroying money, for money is man's protection and the base of a moral existence. Destroyers seize gold and leave to its owners a counterfeit pile of paper. This kills all objective standards and delivers men into the arbitrary power of an arbitrary setter of values.

- from Francisco's “Money Speech,” in Ayn Rand's Atlas Shrugged

The modern banking process manufactures currency out of nothing - perhaps the most astounding sleight of hand that was ever invented. If you want to be slaves of the bankers, and pay the cost of your own slavery, then let the banks create currency.

- Lord Josiah Stemp

Credits and Debits

Debit: Despite more than $25 trillion conjured out of thin air over the past 10 years by the extremely dubious coordinated central bank policy known as “quantitative easing,” Main Street is still struggling, with fully half of all American workers still making less than $30,533 per year. Of course, Wall Street has benefitted greatly from QE; since 2009, the average salary there has steadily climbed to $422,500. No, really.

Debit: With 50% of Americans not even earning enough cash in a single year to cover the cost of a modest Nissan Maxima, is it any wonder that more than 3 in 5 US jobs don't pay enough to support a middle class lifestyle?

Debit: Heck … According to a recent study, even people who are in their so-called golden years are having trouble making ends meet, as the number of senior citizens filing for bankruptcy has tripled since 1991.

Credit: In other news, the Dow was up nearly 750 points on Friday. That's after losing 650 points on Thursday - and falling another 400 points on Wednesday … before a frantic rally saw it end that session up 18 ticks. Yes, the S&P and Nasdaq saw similar daily ups and downs last week. And market volatility hasn't been this bad since 2011, with the S&P trading in an intraday range of more than 2% (!) on 15 of the last 21 days.

Debit: In case you're wondering, the Dow was either up or down by 1% or more just 8 times in 2017. Last year, it happened 64 times. Prolonged volatility is typically the result of shifting long-term sentiment. In many cases, the wild swings can also be a sign of a market in troubled waters, as any seasoned cruise ship passenger will tell you:

Credit: Meanwhile, last month the US economy created the highest number of jobs since February 2018, with upward revisions to the totals from last October and November as well. If you believe the data, the unemployment rate is still under 4% too. Even better, wages are continuing to climb; the average December paycheck was 3.2% higher than the year before. Hooray!

Debit: Notwithstanding the positive job and wage numbers, for the first time since 2008, an extremely-accurate gauge of economic health that's closely watched by the Fed is forecasting a recession. The indicator, which fell into negative territory last week, reflects the difference between the forward rate implied by Treasury bills six quarters from now and the current three-month yield. Uh oh.

Credit: Speaking of the Fed, they're clearly in a pickle, with a petulant stock market demanding rate cuts on one side - or else! - and what appears to be a somewhat overheated labor market on the other. Last week money manager Peter Schiff spoke truth to power by concisely capturing the pecuniary dilemma that the US central bank is facing in 2019 - and pointing out that, in reality, the emperor has no clothes:

Commentators keep asking why the Fed can't raise rates if the economy is so strong? They still don't realize that the economy was never strong. They confuse a bubble for strength. Without 0% rates and QE the bubble can't survive. But a return to those policies kills the dollar!

Peter Schiff (@PeterSchiff) December 27, 2018

Credit: Needless to say, the Fed has only itself to blame for the position it now finds itself in because, as Michael Farr opined six years ago, QE created a moral hazard: “Caveat emptor (was) lost as the Fed and Congress joined forces to save the financial system. Investors learned the stock market was far too important to let it fall too far … (and) of the mind-altering pain relief that comes from the morphine drip of QE.”

Credit: Today, a growing number of financial professionals are weighing in on the damage done. This week, asset manager Lindsay Politi warned that, “QE has done something much more damaging than the Fed could have imagined: It changed the very nature of the market, destroying the diversity of the market ecosystem, and making it incredibly vulnerable to the smallest change in the macro environment.”

Credit: Legendary hedge fund manager Bill Fleckenstein issued his own dire assessment of the Fed's ill-fated decision to unleash QE: “The Fed has basically turned a market that could be rescued with aspirin into one that needs heroin, while making the country's problems far, far worse in the process.” I hear ya, Bill. It's kind of like this:

Debit: So, aside from making Wall St. richer than ever, and anesthetizing pension fund managers and other investors to risk, what else has QE achieved? Answer: not much. Well … unless you consider hastening America's long-overdue day of reckoning, and the loss of the US dollar's reserve currency status - along with the temporary, but sharply-lower, American living standard that would result - an achievement.

Insider Notes: A Primer on Blockchain Technology

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By the Numbers

Everywhere you looked in 2018, it seems like some movie box office record was being broken:

$11,800,000,000 The North American box office take for 2018; it was the biggest year on record for that region.

6.8 The percentage increase in box office revenue over 2017.

1,200,000,000 The total number of movie tickets sold last year.

$9.14 The average cost of a movie ticket in 2018; that's the highest ever.

23 The number of consecutive years that movie ticket prices have increased from the previous year.

814 The number of movies released last year; that is also a record.

$700,000,000 The domestic box office take for the highest-grossing movie of 2018. (Black Panther)

2 The number of movies that achieved a higher domestic gross than Black Panther. (Avatar, and Star Wars: The Force Awakens)

Source: Vox

The Question of the Week

Note: There is a poll embedded within this post, please visit the site to participate in this post's poll.

Last Week's Poll Results

If you could travel through time, where would you go?

The past (59%)

The future (41%)

More than 1300 Len Penzo dot Com readers responded to last week's question and it turns out that if they could travel through time, 3 in 5 of them would prefer to visit the past. As for me, my curiosity about the unknown is why I'd be leaping into the future.

Useless News: Phone Call

Several men were in a gym locker room when a cell phone on a bench rang and a man put the phone on speaker and began to talk:

MAN: Hello

WOMAN: Hi, Honey; it's me. Are you at the club?

MAN: Yes.

WOMAN: I'm at the mall now and found this beautiful leather coat. It's only $1000. Is it OK if I buy it?

MAN: Sure, go ahead if you like it that much.

WOMAN: I also stopped by the BMW dealership and saw the new models. I saw one I really liked.

MAN: How much?

WOMAN: $95,000.

MAN: OK, but for that price I want it with all the options.

WOMAN: Great! Oh, and one more thing. The house we wanted last year is back on the market. They're asking $990,000 for it.

MAN: Well, then go ahead and make an offer for $900,000. They'll probably take it, but if not I'm willing to go the extra $90,000 if that's what you really want.

WOMAN: OK. I'll see you later! I love you so much!

MAN: I love you, too. Bye.

And with that, the man hung up. Meanwhile, the other guys in the locker room were staring at him in astonishment, mouths wide open.

The man who was speaking then turned around and asked, “Does anyone know whose phone this is?”

(h/t: Stewie)

Other Useless News

Programming note: Unlike most blogs, I'm always open for the weekend here at Len Penzo dot Com. There's a fresh new article waiting for you every Saturday afternoon. At least there should be. If not, somebody call 9-1-1.

Hey! If you happen to enjoy what you're reading - or not - please don't forget to:

1. Click on that Like button in the sidebar to your right and become a fan of Len Penzo dot Com on Facebook!

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And last, but not least …

4. Consider becoming a Len Penzo dot Com Insider!

Letters, I Get Letters

Every week I feature the most interesting question or comment - assuming I get one, that is. And folks who are lucky enough to have the only question in the mailbag get their letter highlighted here whether it's interesting or not! You can reach out to me at: Len@LenPenzo.com

Emma passed along something she wanted me to share with all of you:

I was doing some research on people's opinions of Ticketmaster and found a really great website. I thought your readers might find it interesting too.

So 116 out of 120 reviewers at Consumer Affairs rated Ticketmaster one out of five stars; and three more folks gave them two stars? If you ask me, I'd say Ticketmaster is overachieving.

If you enjoyed this, please forward it to your friends and family. I'm Len Penzo and I approved this message.

Photo Credit: brendan-c

[renatayaga]

Im just gonna rant for a minute since im working for the next 6 hours and need to vent Im really getting impatient with all the bills i have and not getting enough hours at work to pay them. I barely have enough money after bills are taken out to afford to fix the things that are broken in my life like my car and my glasses and such, all while im also spiraling from depression from not having enough spending cash to do more than sit around inside a house all day. Im willing to work hard all this year to get my bills paid but like the interest rate is so high on all of them that i can barely put a dent in those things because i usually miss paying a bill or two each month, and those ones go back up to where they were before. Im borrowing sabs car AND phone right now and she needs both of those to go to school which starts in a week, and im trying not to hate myself too much for not comitting myself to being a regular and consistent artist years ago so that maybe by now i could have been drawing to help get by on money. I had to sell records to make extra cash, and now all the good ones are sold and im still flat broke with thousands in debt and im ALSO expected to be well off enough to move out into my own place in less than a year, with around 3,000 in credit debt and 8,000 in car debt and 1000 things that require fixing, all still with no laptop or anything else i desperately need to live comfortably and happily. Most weeks im left with no money for a week until my next paycheck. Im getting so tired and depressed and impatient and i just want to find a good way to organize my life, and my thoughts and start getting on a path where i see personal progress but its taking so long i think ill be caught up in bills and stuff by the time im 30, which is less than 4 years away. Im just mad im literally wasting my 20s away because i just had to open some stupid fucking credit cards. Worst decision of my life, honestly, please please never open a credit card please

[showlexsite]

At Experian, customer finance and credit training is our concern.

At Experian, customer finance and credit training is our concern.

This post may include links and sources to 1 or even more of y our lovers, but we offer a goal view to help you produce the very best choices. To get more, see our Editorial Policy.

In this essay:

As new automobile rates rise, loan providers are providing longer and longer terms for automotive loans. While five-year (60-month) loans were as soon as considered long, within the very first quarter of 2019, almost two-thirds of the latest car and truck loans had longer terms, based on Experian data.

Now, 84-month automotive loans are getting to be more prevalent. Finding an auto that is seven-year can lessen your payment per month, but is it a smart move economically? That depends upon a few facets. This is what you’ll want to think of prior to heading towards the dealership.

Whenever a car that is 84-month Might Create feeling

Extending out your payment routine over seven years can decrease your month-to-month vehicle re re payments somewhat compared to, state, a three-year or loan that is even five-year. This might enable you to obtain vehicle which may maybe perhaps not otherwise fit your spending plan ( more on that below).

You will find a few situations where a 84-month car finance will make feeling:

You $396 a month on your payments compared with a three-year loan (as in the example below), you could put that $396 into an investment whose rate of return outweighs the amount of interest you’re paying on the loan if you invest the money you’ll save: If taking out a seven-year auto loan saves. But will you truly do that—for seven years? If you’ve got a supplementary $396 a thirty days to take a position, is keepin constantly your car payment low really a problem?

In the event that you intend to reduce other high interest financial obligation: For those who have $10,000 worth of high interest credit debt, taking right out a seven-year auto loan would provide you additional money to place toward your bank card bill every month. Nonetheless, you will have a lot more cash to cover straight down your credit debt if you don’t purchase the automobile after all or purchase a much cheaper one (that one could preferably purchase in money). If you should be currently having problems with credit, taking right out an innovative new loan most likely is not a smart move.

Reasons an 84-Month car loan may not be the idea that is best

The major reason to avoid an 84-month auto loan: you are going to spend more interest. Mainly because loans are generally geared towards people who have less-than-stellar credit, they frequently carry greater interest levels than three- or five-year loans to start out with. But even though you obtain an interest that is low, the longer your vehicle loan, the greater amount of interest you will spend over its life.

Assume you purchase a $25,000 vehicle without any advance payment at 5.09per cent interest. Listed here is exactly exactly exactly how three various loan scenarios pan down:

36-month (three-year) loan: Payments are $750/month; you spend $27,010 total ($2,010 in interest) within the lifetime of the mortgage.

60-month (five-year) loan: re Payments are $473/month; you spend $28,369 total ($3,369 in interest) throughout the lifetime of the mortgage.

84-month (seven-year) loan: re Payments are $354/month; you spend $29,770 total ($4,770 in interest) within the lifetime of the mortgage.

In the event that looked at having to pay 1000s of dollars in extra interest does not persuade one to stay away from 84-month car and truck loans, examine these other reasons why you should prevent them:

Vehicle depreciation: a brand new vehicle loses up to 20% of its value when you look at the year that is first. On the seven many years of the mortgage, your car or truck’s value will possibly continue depreciating to the stage in which you owe more income compared to the automobile may be worth. Which is called being “upside down” or having negative equity in your car or truck.

Negative equity becomes an actual issue in for a newer model if you want to sell your car or trade it. The client or dealer is only going to pay you exactly what the motor vehicle is worth—so you really generate losses from the deal. In the event that you go into any sort of accident along with your automobile is totaled, the insurer is only going to reimburse you for the vehicle’s value, however you will nevertheless be in the hook for the remaining associated with the loan.

Outlasting the guarantee: Many new automobile warranties are great for 3 to 5 years. When you yourself have a seven-year car loan, but, you will be making automobile re payments for many years following the guarantee has come to an end. Yes, you’ll pay money for a warranty—but that is extendedn’t your whole point of an 84-month car finance to help keep your expenses down? The older your car or truck gets, the much more likely it really is to require high priced upkeep or repairs. Spending money on a brand new transmission while you are nevertheless spending money on the automobile it self may be an actual start working the financial institution account.

Overextending your self: An 84-month car finance allows you to purchase more vehicle than it is possible to actually afford—and let us face it: that isn’t the best thing. If you should be eyeing an extravagance vehicle, understand that they often times cost more to operate, keep and fix, which could cancel down any cost savings through the lower monthly payment. If you lose your task, need to take a pay cut or face a significant setback that is financial you are still stuck with this (seemingly endless) auto loan.

Ways to get Minimal Monthly Automobile Payments

You can purchase a vehicle without investing your entire paycheck every month. Below are a few methods to reduce your monthly automobile re payments which make more economic feeling than an auto loan that is 84-month.

Enhance your credit history. In case your credit history is not high adequate to be eligible for a diminished interest on the loan, you will want to wait to purchase vehicle and strive to raise your credit rating in the meantime? Devote your self to paying off debt and making all your re payments on time. In less than three to 6 months, you can have a greater credit history and be eligible for a a much better loan.

Save for a bigger advance payment. A larger advance payment makes it possible to be eligible for a better terms on a car loan. The advance payment will even decrease the https://www.speedyloan.net/installment-loans-mn/ amount that is total of you ought to fund, assisting to make certain you do not wind up owing a lot more than the vehicle will probably be worth.

Rent the vehicle. Dealers usually promote appealing rent provides that will help you will get the vehicle you need with lower monthly premiums than buying. But remember that you spent since you won’t own the car at the end of the lease, you’ll have nothing to show for the money. You might face additional costs if you are going on the mileage restriction. Should your credit is bad, leasing a vehicle could anyway be difficult.

Buy a more economical model or a car that is used. In the event that best way you’ll manage your perfect vehicle has been an 84-month loan, it might develop into a nightmare that is financial. Set your places for a less expensive vehicle or try to find a late-model car or truck alternatively.

When to Refinance Your Vehicle Loan

Maybe you have already removed an auto loan that is 84-month? If interest levels have actually fallen or if your credit rating has increased you may be able to refinance and get better interest rates since you got the loan. Get the FICO that is free * from Experian to see for which you stay. Then contact banking institutions, credit unions and online loan providers to see just what rates of interest they are providing for car refinance loans.

Also in the event that you had bad credit once you purchased your vehicle, spending your bills on time, monitoring your credit and paying off debt can all assist improve your rating reasonably quickly. Obtain the information on simple tips to enhance your credit history and exactly how to refinance a motor auto loan. (do not wait a long time to refinance; as a whole, loan providers like to refinance loans for vehicles under 5 years old. )

The Conclusion

If you should be searching longingly at expensive brand new vehicles, an 84-month auto loan might appear just like the reply to your prayers. But, the tradeoff of reduced monthly premiums is rarely worth the possibility of owing significantly more than your vehicle will probably be worth, being linked with car that is endless or investing a lot more than you can easily actually pay for. As opposed to getting locked as a seven-year auto loan, try to find a smarter method to keep your monthly premiums down.

Source: https://showlex.site/2020/03/18/at-experian-customer-finance-and-credit-training-15/

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[meraenthusiast]

7 Steps – How To Become Financially Independent

How To Become Financially Independent (FI)

Recently while listening to a podcast, I was reminded about something I’d heard of several years ago when I first started practicing, Parkinson’s Law.

It was developed by English writer Cyril Northcote Parkinson and states that, “Work expands so as to fill the time available for its completion.”

For instance, if you’ve got a project due in three months, then more than likely it’ll be completed in three months. If it needs to get finished in a week, then it will get done in a week.

So true.

But when we apply this law to money, it says that it doesn’t matter how much money we make, we tend to spend the entire amount…and then some.

The more we make, the more we spend. AKA “lifestyle creep“.

In a nutshell, our expenses rise with our earnings.

If we get a bonus, a raise or our income rises, most of us go out and buy a nicer vehicle, take a luxury vacation or buy the doctor house.

This is why it’s so HARD to continue to live like a resident when our training is completed.

No matter how much we make, there never seems to be enough.

For doctors and other professionals searching for how to become financially independent, they must first realize that financial independence comes from violating Parkinson’s Law.

It’s the main reason why we fall into the traps of debt and worry about money.

So in order to get you on the right track to stop trading your time for money, I’ve laid out seven steps to help you become financially free.

I can assure you that you’ve probably heard them all before but it’s always good to review the important things in life.

7 Steps – How To Become Financially Independent

1) Spend less than you make

This is the most important step to becoming financially free and is the opposite of Parkinson’s Law. It’s NOT what you make, it’s what you spend that determines whether or not you’ll build great wealth.

In the classic financial book, The Richest Man In Babylon, one of the wealth lessons taught was this principle, “live below your means“.

Have you ever read The Millionaire Next Door or Everyday Millionaires?

Both books have exhaustively studied the “average” millionaire and guess what the common denominator among them are?

You guessed it, they all spent less than they made even though the majority never had a six-figure income during their working careers.

Whenever you shift your mindset and place a higher emphasis on keeping and investing money instead of spending on frivolous stuff, you’re on your way to FI.

2) Pay yourself first

David Bach’s most recent book “The Latte Factor” is about a millennial, Zoey Daniels, working in New York City living paycheck to paycheck yet making a nice income. She befriends Henry, a barista, who mentors her about her finances.

He teaches her that the single most important key financially she can do is pay herself first. When people start investing, many times they focus on the wrong things.

Until you save up at least $100,000 or more, don’t worry about the interest rate you’re getting. Instead, focus on the savings rate and piling up as much cash as you can.

As Grant Cardone teaches, “keep stacking the cash until it’s big enough to deploy.”

What does it matter if you’re making 10% a year on $10,000? $1000 in interest isn’t too exciting.

But when you’re making 10% on $100,000 which amounts to $10,000, then things start to pick up.

Henry recommended that Zoey save one hour a day of her income into a “pay yourself first” account and to become financially selfish. And by doing this, she can have financial security for the rest of her life.

Think about that. His recommendation is such a simple, yet profound process that hopefully will wake up those of us that aren’t focused on saving on a regular basis.

Why would you work 90,000+ hours of your life and not keep the first hour a day of your income?

It’s a different way to think about money that I challenge you to commit to.

When you pay yourself first, you’re putting yourself first.

3) Eliminate debt

One of my favorite personal finance books is Dave Ramsey’s The Total Money Makeover. My wife and I used his Baby Steps when I completed training.

I have no doubt that we wouldn’t be in the financial position we’re in today if it hadn’t been for this book.

Dave’s take on debt is straight-forward:

If you have it, get rid of it.

If you don’t have it, don’t get into it.

Most docs I know (including myself) have had some type of debt during their lifetime. Unfortunately it’s a way of life but we can and should do something about it.

If you want to know how to become financially independent, then get rid of your consumer debt as soon as possible.

Do you have a car payment?

Here’s an example from the book at what having one is costing you:

It seems that most people have a car payment their entire lives.

Average is $495 over 64 months

If instead of keeping the car payment, you invested the $495/month from age 25 to 65 in a mutual fund averaging 12%, you have:

$5,881,799.14 at age 65

I get that finding a fund that pays an average of 12% is next to impossible.

But if you invest in an average index fund that earns half of that, then you could be throwing almost $3 million down the drain to have the pleasure of driving around your whole life in a new car.

In today’s world of “instant gratification,” we want what we want yesterday. I get it. I’ve had car fever before but had to put it off until I saved enough to pay cash for it.

Dave believes you should never leverage debt for wealth.

4) Marry the right spouse

Whenever people discuss how to become financially independent, they miss out on a very important part of life….marrying the right spouse.

It doesn’t matter how much money you make, how disciplined or successful you are, if your spouse isn’t on board with working the financial plan together, you’re going to struggle.

If you’re trying to save and invest for the future whereas your spouse is spending like the government, it’s going to be near impossible for you to achieve financial independence.

5) Build streams of passive income

I’ve talked a lot about passive income in the past with these articles:

Passive vs Active Income – Which Is Best?

4 Reasons To Create Passive Income With Syndications

How To Create Passive Income With Real Estate Notes

3 Ways To Make Money With Passive Real Estate Investing

Most wealthy people have several streams of passive income. Average people only have one source of income, earned or active income.

Whenever I speak to new members of our Passive Investors Circle, one of the first questions I’ll ask is whether or not they have any sources of passive income.

For the majority that don’t, I suggest that their initial goal is creating that first stream.

Most of my calls are with doctors or other busy professionals. It’s for this reason that I suggest that they invest in multifamily syndications as their first flow of passive income.

The secret is to take this new stream of income and reinvest it so that it snowballs until you achieve FI.

6) Be a giver

One of the common denominators of those with a net worth of over $10 million is that they were givers….BEFORE they were rich.

John Templeton, billionaire and philanthropist said it best, “The secret to life is being a go-giver, not a go-getter.”

It was said that he was tithing over 50% of his income even before he was rich.

Nothing satisfies and brings me joy like giving to others. This is also such an important trait to teach our kids as well.

Even if you feel that you can’t give money at this stage of your life, you can always give back something that you can never get back….your time.

Proverbs 11:25 – “A generous person will prosper, whoever refreshes others will be refreshed.”

7) Avoid the “get rich quick”

Too many people these days are looking for a shortcut to everything. I’ll admit, I occasionally find myself searching online for shortcuts/cheat codes while playing old Nintendo games from back in the day.

Sorry, I still but I STILL love playing Mario, Zelda and Castlevania!

The reason why many investors fail to achieve their goals is due to lack of patience.

They’re trying to find the quickest, next best thing which ends up having them sell out of their assets too soon.

One of the secrets to building wealth is buying quality investments and holding them.

Many people believe you need tons of money to one day become wealthy, but it’s simply not true.

When you combine consistent, small amounts of money with time and the power of compound interest, you’d be amazed of how your life can change.

The Story Of Pablo And Bruno

  Here’s a video with a simplistic view of how one can achieve financial independence. It’s the story of Pablo and Bruno from Burke Hedges’s book, “The Parable Of The Pipeline.”

It shows the difference between an employee mindset vs an entrepreneur mindset.

I don’t want to say much more and spoil it but I have one question to ask after you watch it:

Are you Bruno or Pablo?

Mindset Shift

There you have it. The seven steps on how to become financially independent.

As I previously stated, none of these steps are anything that you haven’t heard before but too few of us will commit to making a mindset shift to start the ball rolling.

Are you ready to REALLY learn how to become financially independent?

Consider joining our Passive Investors Circle today.

The post 7 Steps – How To Become Financially Independent appeared first on Debt Free Dr..

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[samtheflamingomain]

I. DECLARE... BANKRUPTCYYYYY!!!

I’m bankrupt.

Literally. Not in the Michael Scott sense of just screaming “I DECLARE BANKRUPTCY!” to my coworkers.

I sat down with a lawyer, and he poured through my shit. How much to I make, how much do I pay in taxes, what are my debts, etc.

I met with him last week, where he gave me a run-down of everything. Then we met today and signed the paperwork and made everything official.

Last week, he actually began by saying, “Let’s start with a credit check. It only works about 60% of the time -” immediately I’m like “Okay so I’m definitely in that other 40% cuz I have shit luck.” “But it’s a start. If it doesn’t go through, we have other options.”

Astoundingly, it went through.

Anyway, he quickly picked up on the fact that I’m a smart person, so he didn’t bother dumbing shit down for me. He said this: “Generally, people with insurmountable debt have 5 choices:

“1. Continue as is. Start there. Is there anything you can do to pay down your debt in a reasonable way? If not, go to number 2." I did.

“2. Ignore it. Don’t pay anything toward your debt. Wait for them to garnish your wages. Let your credit score sink. Obviously, nobody likes this option." Indeed I did not.

“3. Take out a loan from a bank and consolidate your debt into one payment. This makes absolutely 0 sense for you because you literally only have one debt: your personal credit card.

“4. Consumer Proposal. This is when you say to the bank, ‘I know I owe you 10 grand, but what if we settled on like 6 grand, and I’ll pay you $200/month toward that, over several years?’ This is a good option for some people - people with homes and cars and shit they want to keep. You own nothing. You don’t have assets that the bank could take.

“Which leads us to #5. Bankruptcy. This is optimal for people like yourself whom own nothing and thus have nothing to lose. You make poverty wages, so this is a very open-and-shut case." I'm paraphrasing; he did give me the option of the Consumer Proposal, but it just doesn't make sense.

He boiled it down to this: "You're still young. You have time to rebuild your credit score after a bankruptcy. You will lose nothing but $200 a month for 9 months. My paycheck comes out of that. Obviously no credit cards for a while - at least a year - but that and a bad credit score for a few years is all that you stand to lose."

So I agreed. And today I signed a million forms and shook the lawyer's hand and just like that... $10,000 of debt... disappeared.

I'm not sure how I feel just yet. On one hand, this debt has been looming over my head for YEARS. Probably like 1/3 of my life. The fact that it (more or less) is now completely absent from my life (I was paying more than $500/month TOWARD my credit card before, so $200/month is a downright bargain) it... well, it hasn't settled in yet.

I'm used to being strapped for cash because I'd put money toward my debt and then run out of money and put shit ON my credit card before payday. But as of today, after paying rent, I literally have $700 in my bank account. That has never happened before, because if I had $700 in my bank account, I'd but $400 toward my credit card ASAP.

But... I don't need to. I put $400 into a savings account instead. I used to try to use it when I was younger, but once I lost my entire family and became 100% independent, that savings account became nothing but a cruel joke when I logged into online banking. 2 accounts: Checking, with about 3 fucking dollars in it. And your ~savings account~ that's been accumulating nothing but dust for 6 years. Which one do you want to view~?

On another hand (how many am I at now?) I've never *not* had a credit card as an adult. Never. I got my first and only credit card when I was 16 because I was about to go on an exchange program in France and my parents wanted me to have a fallback in case my debit card didn't work there (spoiler alert: it didn't. It was 2011, so maybe things have changed, but in the rural farm community I lived at? It was cash or credit for me. And the nearest bank was an hour away, literally. So thank God they did get me that card.)

After 4 months in France, I'd put about $700 on my credit card. But my parents gave me $500 for my birthday to spend in France, so I paid that, and they paid the rest when I got home.

I didn't need to use my card again till university. I had expenses and no income, so my parents paid it off, usually just $100 a month or so, groceries, transit, etc.

I had about $1100 worth of debt when I became homeless. This was because my parents, before they kicked me out of their house, allowed me to furnish the basement of said house as if it were my own apartment. So I bought a futon, a coffee table, a few things here and there.

Then they kicked me out, and I literally couldn't afford to move any of those pieces of furniture out of the house. So that pissed me right off.

Anyway. After 3 months of homelessness, I'd turned $1100 into $2500. Then I got a place, got settled...

And then my cat got very, very sick. And it only cost me $1000, but at the time, my limit was 3500. I was in tears at the vet's office when they gave me the bill. I literally stood in front of several people and burst into tears. (The original bill was $1200, but I told them my credit limit and they made an exception, thank fuck.)

Then I got a limit increase. $12,000!

Then... my computer died.

Before I go into it, let me make one thing clear: I'm not ashamed of the fact that I require a decent-quality computer. I will use a fucking flip phone, and I would watch TV on a fuckin' 30-incher, but I *need* a good computer into to enjoy my life. It's my Center of Operations for everything creative and informational in my life. I use it to its fullest every single day. 

So I turned $3500 into $5000.

That was my last major expense, in late 2017. So how have I doubled that in just 2 years?

Well, here's a list of things I HAVE to put on my credit card: my phone bill ($50), and therapy ($60, twice a month). That's $170. So do that for 2 years, that's 4 grand.

But I've been putting money toward that amount for 2 years as well, and I've never missed a payment. In fact, I've never made a payment that wasn't at least DOUBLE the MINIMUM payment.

I bought a Switch this year, and I had to buy THREE FUCKING COFFEE MAKERS in the last THREE MONTHS, that's $200. Other than that... alcoholism. And weed. Lots of weed.

To bring this absolute fucking novel to a close: the future. That's a big focus of the bankruptcy process. There's 3 things you have to do: pay (200$/m for 9 months), meet with the lawyer twice, and fill out a budget every month.

Obviously the purpose of the budgets and the meetings are to fix where you dun fucked up and how to get better. But here's the thing...

There was this form that I had to sign that included the "reason I was so in debt and couldn't pay it back". The lawyer had typed in that field "I was homeless for a period of time and haven't been able to pay off that debt and its subsequent accumulation". He's like "I don't think you have a budgeting problem, I think you just had so much debt that it consumed most of your income." And that's true.

But. I don't want to come to him in November and show him that I spent $400 on alcohol and $200 on weed. He literally said, "However you spend your money doesn't matter [re:bankruptcy], we just want to see if there's a way to help you budget better to avoid future debt."

And I think, if I don't have to pay $500 toward my credit card every month, I have little incentive to spend less on alcohol and weed.

But, and I'm sorry this is so fucking long, this is my last point I promise, I've made myself a deal.

Instead of paying that extra money toward my debt, I'm saving it. I want this to be a real, true new start, in every way.

So instead of spending that excess money on alcohol and weed, it's going into that savings account. For a tattoo. That I'm going to design myself. I fucking love tattoos, but I've been so broke the last few years that it's been a hot minute since I've gotten one that I didn't do myself (I have a tattoo gun, they actually look pretty decent).

The lawyer said this as well: "You can have as many savings accounts as you want with your bank. Make one for each thing you're saving toward. 'Vacation', 'Games', anything."

Well I don't have a passport and I don't need a new console, but if I could save even a few hundred bucks toward a new tattoo? Sign me up. So I did.

I want a full, detailed sleeve on my right arm. That'll be at *least* 2 grand. But I can do it. That's my goal. That's me, thinking of the future in the only way I can.

I can't imagine anyone has stayed with me this long but if you have, well Stay Greater, Flamingo. PS: Just an interesting and kinda funny thing. One of the forms I had to sign off on said that, if I were to win the lottery/inheret a large sum of money in the next year, I’d have to pay off all my debts with it. I don’t know why but I just find that absolutely hilarious that they bothered to make up a document in case such a thing were to happen.

[booksbroadwaybbc]

Do you feel lost in life? Try a Life Audit via /r/selfimprovement

Do you feel lost in life? Try a Life Audit

I heard this term today and it made me interested, so I started to do a little research on the subject. If you Google it you will likely read about writing things on post-it notes, which is great, but the purpose of this post is just to get you thinking about the life you want versus the life you have. How you document, organize, and track the changes you want to make is up to you. You can do post-it notes, spreadsheets, write them down on a piece of paper, use an app, whatever works for you.

I see so many people lost in life, not really knowing what to do, where to go, or how to proceed. I think it is good to organize all of the parts of your life and think about how you can improve them. Below is a list of areas to get you started, and some questions to ask yourself.

Mental Health

How is your mental health? Are you happy? Depressed? Fulfilled? Lonely? When I looked at my mental health a year ago I didn't feel happy even though I had everything going for me.

The first step was recognizing that I was, in fact, depressed and yes there were things I could do about it.

Next I came up with an action plan, did a little research on what to do about depression and set out to accomplish some of those tasks. I told myself I'd talk to my doctor about medications, start exercising more, write in a journal, meditate, etc.

Then comes the follow through. Go through your list (whether written or in your mind), find the easiest thing to do and start there. Go down your list and at least try to accomplish all of the items. If you never try, you will never change.

Last is to maintain. It's easy to go to the gym once, or even for a week. The hard part is keeping at it. The more you do it the more you'll enjoy it. Same with meditating. If you only do it once or twice you might not get that much out of it, you have to stick with it. Remember these things are life changes, not just changes you'll make for a week.

Physical Fitness

I think there is a larger link between mental and physical health than what a lot of people believe. I've noticed a significant increase to my mood, energy level, and mental health since I started to get into shape. There have been so many studies proving the benefits of exercise, it can't be ignored. I get that some people aren't athletic or can't afford a gym, and sometimes it's just plain hard to make yourself do it when you're depressed or tired. But there are a million ways to get exercise. Find at least one thing you can do a few times a week just to get your body moving, even if it is just going for a walk. Find something you at least somewhat enjoy and can stick with indefinitely.

I started doing yoga, which is very uncharacteristic for me since I'm an older dude, not flexible at all, and I look horrible in yoga pants ;). I struggled with doing it and enjoying it at first, but I recognized I really it could really help with my stiffness and back pain so I stuck with it. I still suck at it but my pain is gone.

Nutrition

You can probably do a whole audit on nutrition alone. You've heard people say you are what you eat, and I can definitely notice a difference in my physical and mental well being when I eat more healthy. I noticed I started to develop some bad habits nutritionally, and they were easy to fix. For me, pop, beer, and sugary beverages was such a waste of calories and money. I made myself get used to drinking old fashioned H2O with most of my meals and I really don't miss the sugary stuff. Now when I'm thirsty and want something sweet I get a glass of water and a piece of fruit. Look for the things in your diet that have empty calories or you only eat out of habit, and swap them with something more healthy.

If you really want to audit your diet, log everything you eat in a typical day with my fitness pal or something similar. Even if you aren't trying to lose weight it can give you your macros and vitamins, it can really be an eye opener. Like wow I was eating 3x my recommended amount of sodium every day, no wonder I always felt so bloated.

Relationships

Sometimes we get so wrapped up in ourselves we forget about what we mean to other people. Look at all of the relationships in your life and ask yourself some of these types of questions.

Do I enjoy spending time with this person?

Are you supportive of each other?

Do they make you feel special, and do you try to make them feel special?

Do they help with good habits or fuel your bad habits?

Is it a 2-sided relationship or is one person doing most of the work?

Identify the people in your life that you should be spending more time with and the people you should be spending less time with. I've noticed some people tend to drag me down and other make me feel better about myself. Don't forget to communicate if you can identify any issues, if you can't talk to them about it then it's not a healthy relationship.

Career

This can be a tough one, but is an essential area where it helps to have goals. Not everyone needs to love their job, but it should at least give you a sense of accomplishment, be somewhat fulfilled, and pay the bills. If you really hate it, start looking at others.

If you are at least content, think about your 2, 5, 10 year goals. Think about where you want to be. Do you want to make more money but maybe have more stress, or are you fine where you are? Observe other people and identify the jobs you think you would like, and figure out how to get there.

I've known a lot of people who have hated their careers and started over, or who came from nothing and worked their way to the top. To get ahead you don't necessarily need to be smarter or better, you just need to work harder.

If you have no idea what you want to do, that could be a whole separate audit. Identify what you enjoy and what you're good at. You don't even have to be good at it it you find it interesting enough, choose a path and follow it.

Finance

Yet another area in my life where I did a complete audit. I made a budget, analyzed all of my expenses and income. I looked at every single thing on there and tried to determine how I could save a bit more money.

I researched cell phone plans and changed mine, and saved about $60 a month. I looked into auto insurance and saved a little money there. I looked at my cable/wifi bill and called to switch companies if they didn't give me a better deal, saved almost $100 a month there. I even went over all the numbers on my paychecks and realized I was being underpaid. Once I got out of debt I started using a rewards credit card on most of my expenses, and with the points and sign up bonus I probably got an extra $1000 this year just for paying for things a different way. Finally kicked some bad habits that was even more money saved. I switched bank accounts to one that gave better interest and refunded ATM fees. Boom, all of those little things really added up.

Goals

I spent a long time just living life one day at a time. Sometimes you have to step back and look at the bigger picture. Do you have the life you want? What is it that you really want? Do you want to get married, get a bigger house, get a nicer car, travel the world? Make a bucket list or a vision board, anything. Give yourself something to strive for, something to look forward to. Once you can picture your dreams and goals come up with an action plan. Your goals can be 1 day, 1 week, 1 year, 5 years, etc. It's totally okay to update your goals whenever you feel like it. Sometimes life will present opportunities, and it's up to you which path you choose to follow.

Habits

Last but definitely not least I will talk about habits and addictions. If you suffer from any addictions they are the #1 top priority you need to audit. Addictions can run your life, they can change the way you think, they can take over your thoughts and goals. I have had many addictions in my life but I will use smoking cigarettes as an example. It was so hard to focus on life when all I could think was when I'd have another smoke. It was harmful to all of the important parts of life; they were expensive, they were bad for my health, they took over my mind mentally, and in social situations I was always thinking about how I would sneak out for a smoke. Once I quit I was finally able to take control of my life again, and I told myself I would never have another one ever.

Habits are similar, they can be tough to break but you can also have good habits. Think about your habits that may not be smart or healthy and do something else instead. Try to develop a good routine. For me now, drinking a glass of water in the morning and working out after work are almost as routine as showering and brushing my teeth. I don't make it optional. I love routines, they help organize my life, like rules. Do everything in moderation, treat yourself on occasion and learn to appreciate the little things again.

Submitted November 08, 2018 at 08:23PM by SpartEng76 via reddit https://ift.tt/2PkQPgc

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maryland state health insurance income guidelines

"maryland state health insurance income guidelines

maryland state health insurance income guidelines

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

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maryland state health insurance income guidelines

maryland state health insurance income guidelines

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maryland state health insurance income guidelines

maryland state health insurance income guidelines

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Okay so I'm 16 and need a sports car. My budget is 40K and if been looking at used ones. I was thinking about a porshe but it seems there insurance and maintenance is outrages. I have also been looking at Mercedes Benz. They seem to be a bit better but not sure. anyone have a porshe or a Meredes??? I also live in Canada. Or any other ideas for a sports car.??.? :)

What insurance company should i go with if I'am going to start driving at 17 with a sports car?

Hi, i'am receiving my license on August 31st and i turn 18 on September 23rd, ill be getting a 03-04 Nissan 350z coupe, i have no idea what company to go with or what price range to expect, my mom called GEICO, her current company and they said putting me on there with a Sports car such as the 350z would raise our payment about 5,000$ a YEAR! i dont know if this is true...or if my mom was lying to make me not get a sports car.. (she has tried to talk me out of it alot latley) What insurance provider has best rates for starting male drivers?""

How much is teen auto insurance?

i normally have bs and as and rarely cs for school. About how much would auto insurance be?

No insurance and expired temporary plates?

What would happen if I were to get pulled over with no insurance and temporary plates expired by 4 days? My insurance got cancelled last month and I've been having trouble getting the money for it, and can't get permanent plates til I get insurance. So basically I'm just wondering if ill actually get arrested""

What Insurance Company is this?

I saw this commercial that had this college girl and this other guy saying how much its going to cost her breakdown car. She texted him, dude i'm a college student or something like that. Its an insurance company that covers both accidental insurance and car breakdown coverage. What company was this??""

COBRA health insurance...?

is there anyone who recently left the military? How does the COBRA health insurance work?

What would the insurance cost for a citreon saxo?

I'm nearly 17 and i'm most probably getting a citroen saxo, a second hand one, something cheap. I was just wondering how much the insurance might costs roughly. Thankss""

What size alloy wheels will change the insurance of a car? (read details)?

right i've been looking at cars to buy for ages now and as I'm a seventeen year old boy insurance is ridiculous as it is. Finding cars that i can afford to buy and insure is hard. I have found a few 'perfect' cars, however a couple of them have alloy wheels instead of the standard manufacture ones. I will quote my insurance website so you can help me out: Replacement of factory fitted wheels with Alloys of the same size this doesn't alter my insurance quote one bit. Replacement of factory fitted wheels with wheels / tyres of a non standard size or specification This means i cannot get insured at all; they won't have me with them. So my question is, if a 1998 Peugeot 306 has 16 inch white wolfrace alloys, does this mean i can't get insured or not? This might be a stupid question, just want to get it right, thanks for you time, means a lot Alex.""

Home Ownwers insurance? Who is cheap?

What company that may not be well known can provide cheap home owners insurance? A link would be appreciated. This will be for the purchase of a existing home buy, which may close this week. Thanks in advance to all responders!""

Pay Monthly Cars and Car Insurance Package?

Hi does anyone know of any UK Company that offer a new car and car insurance combined into 1 monthly payment? I know of Young Marmalade but I would like to see if there are any other good and cheap companies out there. Thanks

Car insurance question?

My fiances insurance is OUTRAGEOUS on a truck he has liability only on ..due to his driving history. He's paying $300 a month (for liability ONLY now) ..my insurance on my car, for full coverage is not even a fraction of that a month, even though my cars value is at least $10,000 more than his. My question is can we put his truck in my name and I'll go to an insurance company and get liability only on and list myself as the only driver. We are expecting a baby and I'm sick of us throwing away that much money a month for CAR INSURANCE! Is this illegal? I mean if I'M the owner and I'VE insured it what can happen if he wrecks or something while driving it and is not listed on my policy? We live in Georgia if that's relevant!""

Can you buy car insurance and then remove it two days later?

I wanted to go on a trip by myself but I need insurance... But it costs 2000 dollars a year...so can I get it and after the trip get rid of it? I'm only driving two days. Never again. What will happen after I get rid of the insurance?

Insurance RSX vs S2000?

Hi there, my dad is planning to buy me a car by the latest the last week of March. I asked him for an RSX simply because I like the reliability of a civic, but i feel that a civic is under powered. So I'm opting for an RSX. No, i will not be getting the type S because I know insurance rapes you for it. Well my dad said he'd rather buy me an S2000. I think it's cause he wants to drive it around so my mom doesn't have to nag at him for buying a sports car. I was wondering how the RSX BASE model will compare to the S2000? I know the Type S RSX's insurance is much higher than the S2000. I was wondering how about the Base model? My dad will be helping me with gas and insurance up until I graduate which will be in a few months. So I just want to start being smart about everything. Please help!""

Is it legal for car lot to hold my check from insurance?

I had a wreck a couple weeks ago and told me I could come pick up my check today from insurance. When I got there to fill out the paperwork and pick up the check they told me it wasn't ready and that they will have to send it to the car dealer (Express Credit Auto) so they can take out what I owe and they give me whats left which I do not have a car now and the check was to get me another car, which I told them and all they said was to use what is left to get another car by them. Which I just want my check so I can get my car, I told them I will still be paying my bill for the car but they then said it is illegal for the insurance to give me the check when they hold the lien to the car. I don't know what the legal side is, can anyone help me??""

Anyone know any good cheap car insurance providers?

preferably direct rather than compare websites. cheers.

Affordable term life insurance quote?

What good is affordable term life insurance?

maryland state health insurance income guidelines

maryland state health insurance income guidelines

https://www.linkedin.com/pulse/cheap-renters-insurance-quotes-online-michael-adams/"

[furiousharmonykryptonite-blog1]

How much would Insurance cost?

"How much would Insurance cost?

Im 18 but the car would be listed under my moms insurance with my dad being the primary driver. Its a charcoal gray 2004 mustang gt 84k miles and the car nor any of us have been in an accident in the last 5 years. A rough estimate is fine. We have a small insurance company that is owned by my dads friend

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

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What does it mean when a person put you under their car insurance?

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Car insurance........................ car insurance have agreed to?

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How much would Insurance cost?

Im 18 but the car would be listed under my moms insurance with my dad being the primary driver. Its a charcoal gray 2004 mustang gt 84k miles and the car nor any of us have been in an accident in the last 5 years. A rough estimate is fine. We have a small insurance company that is owned by my dads friend

Can an auto insurance company suspend my license?

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Insurance ........................?

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Exactly what is a car insurance supplement?

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How much do you pay for car insurance?

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How much would Insurance cost?

Im 18 but the car would be listed under my moms insurance with my dad being the primary driver. Its a charcoal gray 2004 mustang gt 84k miles and the car nor any of us have been in an accident in the last 5 years. A rough estimate is fine. We have a small insurance company that is owned by my dads friend

Auto Insurance Questions?

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I'm turning 16 in April, 2012. I'd like to get a car / drivers license around my 16th birthday. My dad mentioned I need drivers ed, a car, car insurance, and hopefully that's it! Lol. How much would insurance be for me, at 16? Any advice, or suggestions abou my situation? I'm a good student in school with a 3.14 GPA, and pretty responsible.""

Car insurance?

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How much would insurance cost for this car:?

1997-99 Acura Integra 2Door 4 Cylinder Any Color (red unlikely). I plan on buying an integra I just want cheap insurance ;p

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My wife and I just had an accident in a parking lot in which we backed into another car that had almost completely backed out already. No one was hurt, but the damage caused by our car is between $1,000 and $1,500. We will not have the damage to our car repaired. This accident is our fault; however, both of us have had a completely perfect driving record up until now. We just want to know how much this accident is going to make our insurance go up.""

I would like to get a moped when i am 16 and was wondering how much around the insurance would cost a year?

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Florida homeowners insurance- help needed?

I am in the middle of trying to purchase a home all looks like it is going to go threw just fine. I was told to start looking for Home owners insurance, easier said than done as I am finding out... I am purchasing a 1954, wood frame home in central Florida. Nobody wants to touch it, I can get the state insurance for $1700.00 a year, WOW that is expensive!!! Does anybody out there have a better option or idea on how to get insurance at a reasonable rate? I tried AARP, they won't cover Florida even though my car insurance is with them, I tried others as well with no luck.Please I need some help here I'm getting desparate""

Insurance rates increase after claims?

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""What are the requirements for getting a license and driving in Tennessee, age,insurance,cost,et cetra.?""

What are the requirements for getting a license and driving in Tennessee, age,insurance,cost,et cetra.?""

Has New Republican Joe Wilson become the biggest STAIN on the FAILED Conservative movement thus far?

...or something else?, I know there's a lot to choose from, Thx. for sharing.""

""Hi, I'm 20 and 6 weeks pregnant. Insurance problems?""

Medi-cal won't let me file an app b/c I'm not 21, And my mother doesn't qualify for me. I make 900 a month with car payments ins. Anyway I don't have money to buy insurance. Planned Parenthood told me my edd, and gave me the positive test. I haven't seen a doctor, and I don't know what to do? I live in CA are there any suggestions?""

I am leaving country for couple of months. I want to cancel my car insurance. Is it possible?

I am paying my insurance monthly and it's very high. I won't be using car for couple of months, so I want to cancel it for some months and take it again after I come back. Is it possible?""

Auto Insurance at 16?

How much could I expect it to be? I do live in Texas. I will be getting my permit soon (after I'm done with drivers ed), and to drive with it, I will need to be on my parents auto insurance, and I have to pay for it. I will not have a car for the time being so it shouldn't be really high?""

Which car insurance company is best with a teenage driver?

i am 16 and i am considering buying a 1999-2004 mustang or maybe a firebird or camaro from about the same time and i know the insurance is going to be high. 1) how much of a difference will it make if its listed as my parents' car and im just a driver rather than it being my car and 2) which auto insurance company is best for discounts from drivers ed, my gpa(4.0 thank you very much),and maybe a defense driving course or something like that. thanks in advance everyone!!!""

ShouId i get Maternity Insurance or just depend on Medicaid? What is the best & most affordable maternity ins?

Although it has been asked many times, I need the most recent answer or suggestion of my problem : I'm married and currently we are planning to have a baby. We never had health insurance before (because it's too expensive and we don't really need it so far). We know that health insurance, especially which cover maternity will be very expensive, while we never know when will I get pregnant (we've been trying for 9 months and I'm not yet get pregnant). So is it worth it to get Maternity Insurance or should I just depend on Medicaid after I get pregnant ? We both are working now but not making really good money, yet probably not too little to be eligible for Medicaid too. I've been searching for some health insurance and agents but all of them offer me a high - not affordable premium which doesn't cover everything as well .. If getting the maternity insurance before I get pregnant is the best way, can anyone suggest me the best and most affordable one and how is the best way to get it (via agent or directly to the ins company) ? Fyi, we came from another country and have been here in Florida for 1 year, so we didn't know much about all of this stuffs, so we really need you help .. Thank you""

""How much would cost a BMW325 coupe car insurance in london? car is worth 15.000, 3 years old, held in garage.""

How much would cost a BMW325 coupe car insurance in london? car is worth 15.000, 3 years old, held in garage.""

Which would be cheaper- my university insurance or insurance from the exchanges (obamacare)?

The deadline to enroll in my university insurance is before September, but I don't know if I should wait until October to see what options from the exchanges there are? Also, are all the insurance programs from the exchanges required to cover pre-existing conditions?""

Which has cheaper car insurance florida or rhode island?

which state on average has lower rates? new york which is my current state is a much higher rate than these two but im not sure which is lower out of the two.

Car accident - insurance policy?

3 days after renewing car insurance in April this year, a total baboon slammed into my car whilst I was driving home, writing my car off. 3rd parry has admitted liability, and all costs for car replacement, car hire, paid for by them. since cancelling my old insurer , and going with someone new to save 200 bucks a year, they ( my old insurer ) are saying I will be charged for the time you have received insurance cover as well as cancellation fee . Now , I can possibly swallow the cancellation fee crap, but, I have already paid them the premium over the period concerned ( insurance renewed on 20th April, accident on 23rd April). so what do they mean by their statement ? NOTE : all trolls, dumb *** replies will be reported

How much would Insurance cost?

Im 18 but the car would be listed under my moms insurance with my dad being the primary driver. Its a charcoal gray 2004 mustang gt 84k miles and the car nor any of us have been in an accident in the last 5 years. A rough estimate is fine. We have a small insurance company that is owned by my dads friend

How much do u pay for your car insurance and how old r u?

How much do u pay for your car insurance and how old r u?

Farmers insurance song?

What's the song from that farmers insurance commercial were there doing the driving simulation with distractions?

How to get cheap dodgy insurance?

how can i get cheap insurance that doesnt actually cover me but then im legally insured

How much will my insurance go up after a DUI??

I got a D.U.I. and i am going to get my license back soon and i am wondering how much my insurance will be compared to before.

How much would insurance be for a 1999 Ford ZX2 Escort?

I'm 17, a boy, and I live in maryland just 5 miles from DC. Im getting my first car next saturday and its gonna be a Black 1999 Ford ZX2 Escort. How much can I expect to pay for insurance? I have a clean driving record. Also, my parents dont have car insurance so they have to start a separate account for me. Thanks!""

What car is the lowest cost for insurance for a 18 year old male driver (2 years Driving)?

Just curious what is the least expensive to cover for those of you in the insurance industry

Good health insurance company?

Hi guys im new to kansas and im looking for a good health insurance company which also affordable any suggestion ??? thnx

Where can I find affordable dental insurance for my father?

He is 50+, I live in Michigan,help please?? I tried looking, but no progress. I want him to get something affordable so he can have better and healthier teeth. Thank you, Jenn""

I'm 19 years old and I need insurance. How do I go about getting it?

I need cheap or free insurance

What companies offer good Business Insurance?

We are a small production/post production company for film/TV/marketing and need business insurance. We are located in Sherman Oaks, CA. Would appreciate suggestions for which companies we should reach out to.""

Does Michigan have extra cheap auto insurance?

I keep seeing all these advertisements for Michigan (obviously this only would apply if you live/have lived in Michigan) regarding certain loopholes for cheaper auto insurance.. ??

""If the officer did not check my insurance, will the ticket show up on my insurance bill?""

Basically what the question says. I was speeding in Virginia and when the officer pulled me over he only check my license and registration. I paid the ticket almost a month before it was due and have yet to hear if my insurance rates went up. My father pays for my insurance so, maybe he just hasn't said anything but I just wanted to ask the community if since the officer didn't check for my insurance, does that mean my rates won't increase? Preferably, I'd like a cop to answer this, but peer comments are still appreciated. Thanks!!""

Insurance quote on nissan navra ?

in febuary i will be 17 is there any chance i would be able to get a quote on a truck like that or am i living in a dream world

Car insurance - using someone else's non claim discounts?

is it legal in Uk to drive a car with insurance that is cheap because i am using someone else's - living in other country no claim discounts?

Why does my car insurance cost so much?

Okay so I'm a sixteen year old female and I've been driving since February 1st the same day I turned 16. I drive a 2005 Chevy Cavalier. I have good grades, I cheerlead and I play volleyball I'm not a bad driver either actually back at drivers ed I did the best on my final exam. So I picked up a job at a daycare and I make 337.20$ every two weeks. My car insurance is costing me 275$ and is taking more than half of my paycheck and a lot of it I'm spending on gas and I usually have like ten bucks to spend on myself. Why does it cost so much? Also why do people look down on us young teen drivers so much?""

Does the condition of the car affect car insurance?

Does the car appearance (good or bad) affect how much we pay for car insurance. I know insurance companies always ask What condition is your car?..any dents, etc does saying its in good condition make the rates go up or down?""

Is honesty really the best policy when insuring a car?

Is honesty really the best policy when insuring a car?

Will a 2000 Chevy Monte Carlo SS cost more for car insurance than a Monte Carlo LS because it's a sports car?

Will a 2000 Chevy Monte Carlo SS cost more for car insurance than a Monte Carlo LS because it's a sports car?

Insurance.?

i need to know all the types of property insurance, with descriptions. please help:]""

Milage limit for classic car insurance?

I'm thinking about insuring my 79 Buick through Hagerty, they offer guaranteed value coverage and are support to be cheaper then regular insurance, I have not got a quote yet. But I plan on driving the car at LEAST 30,000+ miles a year. So do they have a mileage restriction or are they unlimited, any input from people who have experience is welcome and also maybe another classic car insurance company recommendation. Thanks""

Cheapest car insurance for a teen in florida ?

Im currently 17 years old; Im getting my driver license next week. I have a 1995 Nissan Sentra and I wanted to know what would be the cheapest insurance in Florida. I was thinking of getting my PIP only, but my price ranges are 0-250 a month. I also have a 20 year brother who had his drivers license since he was 17 years old and I was thinking if I can out his name as the head of the car insurance and add me as a secondary driver but I dont if it will be cheaper ??? If you know of an insurance that provides more than a PIP for my price range please let me know ??? If the insurance will not be cheaper under my brothers name, !!""

What makes car insurance car insurance?

I always wondered. Not to brag or anything, but my family is so rich that we really don't need car insurance. If something were to happen we would be able to take care of it. So basically we waste hundreds of dollars each year on car insurance. Is there a way we could have our own insurance card to issue to a police? What makes car insurance companies able to function and not me?""

Insurance Cost On two different cars?

Would the insurance on an 2008 Ford Fusion be more than a 2006 Cadillac CTS? I live in Maine.

Cheap car & insurance for young male driver?

My brother is 23. He has passed his licence 2 years ago and his pass plus 1 1/2 years ago. He's still struggling to find a car & insurance that he can afford. He's not fussy about the type of car so long as it's not a girls car (ie chiqichenco). The insurance can be third party etc. He has a budget of 400 for the car, what should he buy? The insurance quotes so far for various 1.0l-1.3l cars have all been over 1000 which is out of his price range. Any help would be greatly appreciated. xxx""

Car Insurance prices???????????????

I am turning 18 soon and will take the written exam. After that, I will try to get a licence. Now my question is, for a first time driver at 18 years old, how much would car insurance usually cost for a '97 Nissan Altima with I'd say no more than 10-20 hours of driving per week? I also have good grades and I think some insurance companies give you up to 15% off for that. Thanks!""

How much would Insurance cost?

Im 18 but the car would be listed under my moms insurance with my dad being the primary driver. Its a charcoal gray 2004 mustang gt 84k miles and the car nor any of us have been in an accident in the last 5 years. A rough estimate is fine. We have a small insurance company that is owned by my dads friend

https://www.linkedin.com/pulse/delta-dental-rhode-island-insurance-gregory-roberts/"

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San Antonio Texas Cheap car insurance quotes zip 78243

"San Antonio Texas Cheap car insurance quotes zip 78243

San Antonio Texas Cheap car insurance quotes zip 78243

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

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I got into a car accident and the insurance estimated the work would cost $4600.00 but I would have to pay the $1000 deductible. However, since it was the other guy's fault, my insurance company would send me the $1000 in a check and I have to go and pay the garage that fixed my car. It's been a little over a week now and I'm wondering if any of you have had this experience and how long it took to receive the refund check???""

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My car needs an MOT and right now its on a SORN because im waiting for my paycheck so I can get insurance, my question is as follows: i know that you need an MOT before you can insure your car but to get my car to its MOT I would have to have it insured? How does this work? can i drive to the garage without insurance and get away with it or is there some special policy I need to take out? Please help.""

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Why is my insurance quote 10 times higher than last year?

So, i got my motorcycle license last summer and bought a 2003 Kawasaki ZX6R for $5000. My insurance from Progressive was $1700 for the year (full coverage). I rode it for two months before it got stolen. In those two months i got one ticket for straddling lanes. Once the bike got stolen i got all my money back. Now, I'm looking to get the same bike again. I just called Progressive and they want $6056 per year for full coverage!!!! And if i were to buy a brand new 2007 model it would be $10000!! So, $6056 for a $5000 bike? And $10000 for a $9000 bike? What gives? One ticket and the theft did this? I don't get it. What are my options?""

Under the Roberts ruling why cant the gov. require everyone buy car insurance.?

Whats the difference. The only differences I see argue better for the personal mandate for car insurance more than health insurance. 1. Everyone using a vehicle on a regular bases. Even if you dont drive, you take a bus or cab or cross a street. 2. Driving is at least 10 times more dangerous than anything else most people will do on a daily basis. 3. If you have car insurance you less likely to need healthinsurance.""

Auto insurance for Toyota celica gts 2000?

I am getting my license on my 18th birthday and I am planning on getting a celica. The car will be on my dad name, and he's over 25yrs old. I want to know the rates of auto insurance for a sport car vs me getting a regular 4 doors. I just got a quote today and the guy told me that my insurance could be $116 a month for the celica with progressive please help me make my decision ty""

Unemployment Insurance Florida Notice of Determination . Denied?

I got a Notice of Determination in the mail from Florida Unemployment Compensation. Section 2 states: Benefits are payable because: The discharge was for reason other than misconduct. Section 3 states: The employer is not chargeable since the employment was in the base period. The last job I had I only had for 3 weeks. The job I had before that, I had for three years. Before the Notice of Determination I received Wage Transcript and Determination It says I am eligible and states my weekly benefit amount and when my benefit year begins and ends. My next to last employer is in the base period. I have already received on check for one week. and I am scheduled to claim my weeks for this coming Monday. I went to the Florida Unemployment website and went to the link and put in my info for info about my claim and it says nothing about me being denied. If my last employer is not chargeable and not in my base period, does that mean my next to last previous employer is chargeable, since they are in my base period? I have received no explicit letter saying i am denied. My bottom line question is: does the Notice of Determination by saying that my last employer is not chargeable mean that my unemployment claim is denied?""

Is it true you dont need a license or insurance to drive a scooter?

Im interested in buying a scooter because i have heard you dont need a license or insurance to drive one. I need a way to get to work easier (right now i take the bus) and i cant afford any kind of insurance right now. I dont have a car and i dont have a drivers license. Plus from what i have seen scooters are way cheaper then cars. why dont you need a license for a scooter and what is the difference between a scooter and a moped? I think i read you DO need a license for a moped but not a scooter.

Does the American political system of democracy provide health insurance??

I'm doing a report and I don't quite understand how the american political system of demorcracy provides health insurance ? Help please?? Thank you!

""Got in a car accident driving someones elses car, they had no insurance.?""

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What is the best car for a teen to buy that has to pay insurence?

I want to get a 2005 Mustang V6 and have it under my parents name because I have to pay Car INSURANCE. Also What is the gas mileage like? PLease respond back to me ASAP Thank you

Insurance will go up for me?

My sister drove my car and was hit from behind. Her insurance is not under my policy. Will this affect my insurance premium? I just had a accident last month also (I hit something on the road which cost $6000 to repair and my insurance covered it without increasing my premium).

How much could I pay for my car insurance?

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Which cars tend to provide the most affordable insurance rates?

Compacts & small sedans that provide the lowest monthly auto insurance rates.

How much a month would i pay for a 350z plus insurance?

Ok so I'm gonna be 20 in a couple months and I'm tired of driving my crappy integra. I've been saving up and I'm set on getting a 350z. My price range is about 12,000 tops. If I put a down payment of about 5 or 6 grand how much would I pay per month for the loan. And how much would I pay a month for the loan along with the insurance. I'm on my parents plan. I don't know much about interest rates. Can you give me estimates on different lengths of loans and interest rates Thanks ily""

Can i survive without auto insurance?

I'm 16 and a half. I live in California. I got my drivers license yesterday. My dad has farmers insurance. Adding me to his plan will double his monthly bill. I am a VERY good driver, i live in a small city, and i never go on the freeway. Is it alright if i drive without adding myself to his insurance plan? i don't think $200/month is necessary. Also, it is not legal to drive in California without financial coverage so if i get pulled over, will i get into trouble?(the car's covered so im partially covered rite?). Thank you""

Eye and Health Insurance ( College Student)?

Just recently I was diagnosed with Uveitis in my left eye. I had previously been diagnosed with it and my left eye just flared up again this year. As a 21 year old College student I can barely make ends meet and well now my question is, what kind of Medical/Eye/RX insurance would you guys recommend. I'm not ensured and I still have to go trough treatment, see specialist, blood test, chest exams, etc. My visit to the specialist was already around $120 and $75 per eye drops. I wanted to get glasses but seem how this slapped me in the face I would rather pay for an insurance before I'm forced to drop out because I can't pay my tuition.I'm also very unfamiliar with Insurance policies and as much research as I have done I have found little to nothing. I'm really not on a good enough financial status to pay a 100+ a month Insurance as a college student. Hopefully someone has some tips or tricks or at least some recommendations. P.S. excuse the bad spelling the brightness of the computer hurts my eye a bit and its hard to see my errors.""

If I apply for life insurance through a different company will they know what I told the first company?

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How much does high risk auto insurance cost?

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San Antonio Texas Cheap car insurance quotes zip 78243

San Antonio Texas Cheap car insurance quotes zip 78243

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I am a 21 year old male and I plan on buying a brand new car at the end of the year. does anyone know of a car insurance with full coverage that will charge me just a leg instead of ...show more

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I have a 2000 dollar car, Kia espectra, model 2000, planning to buy liability only insurance for it to save money. I was wondering if anyone could give me an estimation of how much this would cos for one year coverage? thanks""

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

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It is for my A-Level business coursework where I am producing a business plan to set up a driving school. It doesn't have to be exact. Regards

Ontario Insurance rates for a Toyota supra 1995-97 for a 16 year old male?

Hello, I am 16 years old and I am thinking about getting a Toyota supra (probably the twin turbo, but at least the v 6 ge engine) for my first car between 1995 and 97. I was wondering what kind of insurance rates I should expect? I have heard about collectors insurance being really cheap, but I dont believe that covers the liability insurance. Remember, the car is right-hand drive, a sports car, I am 16 and a male, I expect the insurance rates to be incredibly high, I just want to know an approximate number. I would appreciate some recommendations as to which broker to use or alternate suggestions! I also understand that I am too young to get collectors insurance on the car, however, I believe that, because it is a different type of insurance, my dad can put himself as the primary driver of the car to save money (he already has a car, but I believe that the insurance company would be fine with him having a summer car XD""

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San Antonio Texas Cheap car insurance quotes zip 78243

San Antonio Texas Cheap car insurance quotes zip 78243

""What, if anything, is in the ObamaCare bill that will keep insurance premiums at an affordable level?""

We are going to be FORCED to pay for this thing, but what if we can't afford it - I can't afford insurance now.""

Anyone has kaiser permanante as health insurance?

What do you think of KP? Anyone has any bad experiences there? I am thinking of getting health insurance there. Thanks!

""By looking at these charts, can you understand why the U.S. needed health insurance reform?

http://www.huffingtonpost.com/2013/10/03/health-care-costs-_n_3998425.html

Car Insurance question?

Hi im 23 and currently live in BC, im planning on moving to Alberta and im wondering how much my insurance would be when I move I have my class 5 BC license my insurance monthly right now is 350 bucks due to me having an accident with my N a couple years ago I want to know if I move to alberta will it be more or less a month as ive heard alberta insurance companies dont like drivers under 25. Also is it worth risking it and not getting it changed and sneak it and hope not to get in to an accident with my bc license if ive moved there?""

Cheap Car Insurance For Teens!?

hi, i am a 18 year old male from england and i am looking to buy a car as soon as i pass my driving test soon, i dont know what car to buy becouse i really need cheap car insurance as i have 4 points on my provisional driving licence from a crash when i was 16 on a scooter, some people say corsa's have cheap car insurance but im not sure, has anyone got any tips to knock the price down becouse at the moment it is stupid about 6,500 for a 1.2 ford fiesta i got quoted! helpppp!!""

Range rover sport insurance?

if i wer 2 go out n buy a range rover sport, how much would insurance per year cost me??? im 19, held a full, clean driving licence for over 2 years! my partner would be the main driver, he is 23. held a full, clean driving licence for 5 years! thanx in advance!""

Help with car insurance?

ok.. i just got a 1997 honda accord lx.. im 18 and a new driver.. but the car is in mine and my moms name every place we called it is over a hundred dollars just for state required ?? where is the cheapest place in shelbyville indiana.. i need car insurance and this is outrageous could anybody help me please

How much is car insurance for a 17 year old boy?

How much is car insurance for a 17 year old boy?

Tricky Car Insurance Quotes?

Right, I am really at ends to get cheap car insurance... I'm probably an insurers nightmare: 17 years old, male, living in London, living with parents whilst at college etc... I've just qualified with a full UK licence, but the insurance for a '97 Saxo is 3500 and it only costs 300!!!! Anyone any ideas on how to get this down to about a grand or less? Or any suggestions for any good cars to insure a 17 year old on? :)""

Thinking of getting a car on finance?

im thinking of selling my car and getting a car on finance its 1,000 deposit and 125 a month gor 2 years and i will get a 10reg peugeot 107 but my only question is, is car insurance included? cheers""

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

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

Car accident advice California?

Today i was in a car accident and it was not me fault i was sandwiched in between two cars i contacted insurance company of mines and said wait for there insurance to contact you any advice on what steps i should take now

Is It Cheaper To Buy Auto Insurance Online?

I have been looking for auto insurance and i have been getting quotes online. I see some pretty good prices. Some places i get a different price online but when i go into the office to talk in person i get a higher amount then what i saw online. Should i just buy car insurance online? Is it better to buy online?

Boyfriend got into accident with my car..he has insurance/SR-22. Whose insurance will be responsible?

My boyfriend has had an insurance policy with an SR-22 on it for almost a year. It expires in 6 days. He was driving my car to work and got into an accident that was his fault. My car has barely any damage and I don't think the other car was severely damaged. My mom has an insurance policy on my car ( I live with her) But since my boyfriend was driving and he has insurance with the SR-22 doesn't that mean that it will go on his insurance? Isn't that the exact reason he had to have the SR-22 in the first place? So in case he screwed up (which he did) than it would be covered in any car he drives? Thanks.

Car insurance refusal.?

I got my self as a named driver on my dads insurance policy,and then phoned them up to confirm payments, but the representitive worked out i was not my dad phoning in. when i told her that i was his son and just wnted to make sure weather,they recieved the money or not, she went and canceled the policy saying i had broken the data protection act. she told me they would'nt charge me anything but my dad would have to tell other insurance companies that he had been refused insurance, i just want to know that will this make a difference to my dad's future insurance quotes?""

""How much is the yearly average insurance for a sixteen year old in LA, California.?""

How much is the yearly average insurance for a sixteen year old in LA, California.PS. Liability only. And if you need to know the car and insurance corp its an 1995 Ferrari f355, and 21st insurance. Please give real averages and i am serious so please real and serious answers. What i mean is please tell me the price only for a year. Please only serious and real answers.""

Do i need car insurance while im not using the car?

Im due to renew my car insurance. Ive 6 days after my motor insurance policy ends where i will not be using the car. Do i need to be insured for these 6 days despite not using or moving the car.? thanks

I am 17 and i am looking for cheap car insurance. does anyone know a good insurer?

I am 17 and i am looking for cheap car insurance. does anyone know a good insurer?

Short term car insurance for driving abroad???? (in france)?

I am 19 years old and heading to france for the day, the yearly car insurance I already have does not cover me abroad, so I need to get insurance for the day. I have looked online but most companies only insure people who are 23 years old+""

Where can i find cheap car insurance for over 25's first time buyers?

Where can i find cheap car insurance for over 25's first time buyers?

""USPS Insurance, How much to insure an envolope.?""

Hello, I would like to start selling things online. I would be selling small thin items that I can place in a regular size envelope. I was wondering if anyone knew how much it would cost me to insure the envelope for $25, and maybe $50 for the larger orders to mail at a USPS post office? I couldn't find this information online. ):""

How much does insurance go up with a teen getting his license?

the teen will get his license on march. dependig on insurance cost. he will be 16 and with be driving a 2003 to 2005 honda accord. auto. how much would insurance go up on the year policy. oh he also gets very good grades.

Is a 2004 used infiniti g35 a good and affordable car?

i am saving up about 2000 to put down on it. and how much would the monthly payments be. including insurance? i gross about 700-900 a month. thanks.

What happens if you lie to a new car insurance provider?

I was cancelled for reasons out of my hands, apparently the insurance person didn't record I had spoken to them during a conversation. So my broker cancelled my insurance. Now everywhere I go they want to charge me a lot more for thsi cancellation and I can't get through to my company to try to have the cancellation revoked. What happens if I apply to another car insurance company and say i wasn't cancelled. I pay ontime there's nothing wrong, are they going to find out about the previous company somehow?""

""I just purchased Geico car insurance, did i do the right choice?

i did research for car insurance companies. so far my Geico's quote beat the rest of them. i received a 6 months premium of $520.10. i just hope i did the right choice. please serious answers!

San Antonio Texas Cheap car insurance quotes zip 78243

San Antonio Texas Cheap car insurance quotes zip 78243

Is this why women have better car insurance rates then men?

http://video.yahoo.com/network/100284668?v=4533761&l=3774753

Why do red cars go hand in hand with a high auto insurance bill????

Red cars always get a high insurance rate. Not all red cars are sporty or fast so why is this?

How to get cheap car insurance for a 17 year old?

I'm a 17 year old male and i've recently passed my driving test and done IAM (Institute of Advanced Motorists) I live in the UK and need to know of any cars for cheap insurance or any ways to get cheap insurance WITHOUT putting myself as a named driver on my parents car. Many thanks. :).

How can I lower my car insurance?

I have a 2010 Chevy cobalt LT. I pay $420 a month for insurance! I understand I'm 21, and it's a sports car. But I've been driving for 5 years, I've never got in a crash nor gotten any tickets. Why could this be? I know lots of younger people with much more expensive cars but they don't pay nearly as much.""

What is the cheapest insurance for beginning drivers in NC?

I'm about to turn 16 and get my license but I need proof of insurance before I can get it. What is the best insurance to get and how much will it cost?

Motorcycle Insurance?

I'm 20 years old and just passed my written test and now I'm going to buy a motorcycle that I can train on to my skills test. How much can the insurance cost more or less???

""17 yr old in uk, looking for any tips to get cheaper car insurance.?""

looking for helpful tips to legally lower the price of my car insurance ie what company to go with, whether i should put my mum on my policy etc.""

What is an affordable health insurance that I can apply for in Southern California?

An affordable one. I can't seem to find one. I was layed off my job but my cobra will be too expensive is there anything else out there. I tried kaiser but its like 220 a month for just me.

Can my dad (lives out of State) add me to his car insurance policy?

Hi. I'll be getting my first car soon and I have some questions regarding car insurance. My Dad lives out of state (I live with my mother), and I was wondering if he can add me to his insurance policy. I believe he has State Farm. I understand that it would be cheaper to go under my parent's policy than to create a new policy just for myself. My mother is unwilling to add me to her car insurance policy due to the fact that I am under 21 (insurance rates will increase). If anyone who is in the industry / has experience or knowledge about this and could shed some light, I'd appreciate it. Thanks in advanced. BTW: I'm in the US.""

Do I still have to have car insurance? I'm a new driver?

I'm using my parents' car and they already have insurance for it. Do I still need to have my personal one even though my parents already have one for it? sounds kind of a rip-off for me.

Should you be able to buy home owners insurance when your house catches fire?

Your house catches fire. You call the fire department and as they're fighting the blaze, you're on the phone looking for home owner's insurance to cover your loss. Do ...show more""

Will adding a person to my car insurance (progressive direct) make it go up? by how much?

i want to add my wife and she's 24

How do people save so much on car insurance?

I keep seeing these commercials where people can save $500 or more on car insurance . Our two late model cars are fully insurance beyond what we need and they are only $950/year. Are you telling me I can get our cars insured to the same degree for $450/year? Seems really inexpensive.

Whats a cheap car insurance In nj?

For a person with a new lisence thats 18 years old

Car Insurance or Home owners insurance? Is my car covered?

I have a car that is stored in a locked enclosed car trailer on my property. I do not currently have auto insurance on it and was curious to know if it would be covered under my home owners insurance policy.

How much is insurance for a Porsche Boxster?

I'm 16 and getting a Boxster. I would like to know how much insurance is for it. We have state farm insurance. And I DO NOT want to hear Parents shouldn't give their teenager an expensive car! Just because I am a teenager, doesn't mean I will crash. I don't drink, speed, do drugs, or text and drive. So keep your opinions to yourself, thanks :)""

Where do i get proof of insurance?

i am 17 years old and i recently got a fix it ticket for not having proof of insurance with me. I am under my parents insurance policy so could i just bring my moms proof of insurance card to fix the ticket or do i have to get an proof of insurance card with my name on it. If so where can i go to get my insurance card

Does anyone know how much car insurance is for a 16 year old female?

I am not sure if gender matters, but age most likely does.....I was thinking about getting my license soon...but I am not sure if my income is enough for insurace.""

Cheapest life insurance in singapore?

which insurance company in singapore offers the cheapest life insurance?

Do I have to pay my insurance ticket if I drove an uninsured car while I owned another insured car?

Here is what happened: my mother drove my uninsured car and got a speeding ticket plus an insurance ticket. Since she owns a car with current insurance (its just this one time that she happened to drive my car) will I have to purchase insurance in order for judge to reduce her ticket? Or will the ticket get dismissed because she already had insurance (just on her car)?

""Will my car insurance rates go up if damage in accident is under $1,000?""

Today I bumped a parked car when trying to pull out of a paralell parking spot. Both cars were scratched, but no dents. My car was in worse shape than hers, and I took mine to an auto body shop to get a quote on what it would cost to repair the scratch. The quote I got was $671.23. The lady (who was sitting in her car when I bumped her) said she was going to have to have the whole bumper replaced... even though it was just a scratch about 3 inches long. We called the insurance companies and I admitted fault (duh.) She said she was going to call the police and may have to go to the doctor because her neck hurt, but the police were never called. I am still worried she is going to try to sue me or get more money from me... it was just a small scratch! Not even a DENT! My main question, will my car insurance rates go up, and if so, by how much? I drive a 2010 Kia Soul. I have one other accident on my record and I pay about $150 a month. If it does go up, is it going to be drastic? Her car was a 2012 Kia Soul (same color oddly enough) so I am hoping her quote will be similar? Since the overall damage is under $1,000, what can I expect to happen? Can she really report me to the police, or try to claim injury? I was just pulling out of a parking slot and thought I was clear, but still very slow and cautious. I just don't see how I could have hurt her neck... Any help/input appreciated, thanks so much.""

New driver insurance?

im a 17 year old male, just passed my test and trying to get insured. i've been on all the comparison sites with all stupid quotes. Does anyone know any cheap insurance sites/brokers Please Help!!!!!!!!""

Cheap auto insurance in mississauga area?

Hi, I am a 22 Year old, female, G2 driver. I was wondering if anyone knows of a good insurance company with cheap rates for a new driver for either a 2000 2DR Sunfire or 2002 Mazda Protege. The rates i've been coming across seem pretty high for a full time student. Also, I have no previous insurance history or any accidents. Thanks!!!""

Car insurance scenarios?

i need help with a few car insurance scenarios, please. 1) A seventeen year old male has just purchased a used Corvette. Three insurance companies have turned him down. Is there any type of plan that will let this person buy insurance? What type of coverage will this person probably only be able to purchase? 2) A friend has just bought a two year old mid-sized car. What type of coverage would you recommend? 3) You just purchased a ten year old compact to drive back and forth to school. What type of coverage should you buy? If you could explain why, it would be greatly appreciated. I'm not exactly sure if the information given is enough to explain, based on what I know.""

How much does business car insurance cost?

How much does business car insurance cost?

San Antonio Texas Cheap car insurance quotes zip 78243

San Antonio Texas Cheap car insurance quotes zip 78243

https://www.linkedin.com/pulse/homeowners-insurance-quotes-delaware-bailey-weiss/"