#choose between food or rent or healthcare at the end of the month and we have enough left over to travel occasionally

[alanshemper]

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[missmentelle]

Just some small ways that the system keeps people down

When we think about social justice, we often think about it in terms of huge, sweeping reforms that happen on a national level: the nation-wide legalization of gay marriage. The end of segregation. Loving v Virginia. Roe v Wade. Many people only vote in federal elections and only keep up with federal politics, thinking that the federal government is what “really matters” when it comes to progress and human rights. 

Federal-level politics and landmark court rulings are important, but oppression often happens in much smaller, less obvious ways. It’s in the fine print of the eligibility criteria for disability benefits. It’s in municipal zoning laws. It’s in bank mortgage eligibility policies. It’s in the enforcement of public park bylaws. The things that make life difficult for marginalized communities often come from local bureaucracy, and look something like this: Disabled people effectively do not have the right to marry. 

In the United States, when a disabled person marries a non-disabled person, they gain a spouse, but they risk losing something immensely important - namely, all of their benefits. Currently, the government assumes that a non-disabled spouse takes full responsibility for all of their disabled spouse’s needs; it becomes their job to provide the disabled spouse with healthcare, housing, basic needs and assistive devices that they require, regardless of their ability to actually afford any of these things. Obviously, this is completely out of the question for most couples. Medical costs for a person with complex needs can be exorbitant, and the average person just cannot provide things like private home health services and out-of-pocket medical expenses for their spouse. 

Unless a disabled person is marrying someone who is independently wealthy, marriage is often out of the question. 

As a result, many disabled people simply have no meaningful access to marriage or the legal benefits and protections it provides. Without a wedding certificate, your partner cannot stay with you in the hospital, access your medical information or make decisions for you while you are incapacitated - something that people with complex medical issues may desperately need their partner to be able to do. International couples may have no means of being able to live in the same country. It may not even be possible for couples to live together at all, as the state may decide that that’s a “common-law” situation and strip away disability benefits even without a formal certificate. The people who are most in need of companionship and legal protection are denied access to it because of cruel and outdated laws that were designed with the false assumption that disabled people cannot desirable partners for non-disabled spouses. 

Domestic violence victims can be evicted for being abused. 

Some cities across America have implemented “nuisance laws” - these are laws originally designed to punish “slum landlords” who don’t try to stop criminal activity or loud parties in their buildings. In cities with nuisance laws, the city tracks how many 911 calls are made to (or about) each address in the city; if an address goes over their yearly limit of 911 calls, the city goes after the property’s landlord, fining them or even threatening them with criminal charges if they don’t make the calls stop. The point of the law is to encourage landlords to keep an eye on their tenants and evict “problem” tenants that disrupt the neighbourhood, and these policies have definitely resulted in a lot of 911-related evictions. And that’s a problem. Because you know who calls 911 a lot? Domestic violence victims. 

These laws have made it so that many people experiencing domestic violence have to choose between “help” and “housing”. If your partner is violently attacking you but your landlord has told you “one more 911 call and you’re out on the streets”, what do you do? How do you navigate such an impossible situation? Many victims simply hold off calling for help unless they’re reasonably certain that their partner is going to kill them, which is incredibly and almost indescribably dangerous, and still results in threats of eviction. Even victims who never call for help themselves can still find themselves out in the cold because of these policies - nuisance laws count any 911 calls made about an address, which means that a well-meaning neighbour calling the cops because they hear screams can cost you your housing. The end result is that an already-vulnerable population are either losing their housing or losing access to lifesaving emergency services, and everyone is worse for it. 

It’s worth noting that these policies also disproportionately affect disabled, elderly and chronically ill people. When you are medically fragile, you tend to have increased medical emergencies and a decreased ability to safely transport yourself to the hospital without an ambulance. So if 80-year-old diabetic woman uses her LifeAlert bracelet to call 911 three times in a year because she’s fallen down or having a hypoglycemic episode, she could face eviction for going over her 911 limit and being a “nuisance” to the city. 

Redlining has shut black people out of wealth-building for decades. How do you build wealth in America? You need credit. If you want to achieve real financial security, you need to convince someone to loan you large amounts of money at a low interest rate so you can use that money to purchase something that will build wealth for you. Let’s say you only have a little bit of money - you go to the bank and convince them to give you a mortgage (which is effectively just a large low-interest loan) so you can purchase a house for yourself. Once you’ve paid off the mortgage and showed the bank how reliable you are, you can go back and ask them for another loan against your house, and use that loan to buy a business, or a second house to rent out for income, or just save your money while your paid-off first house continues to increase in value. When you eventually die, your kids get all the property you amassed with those loans, and they start life in an even better financial position than you did - they can use that property to get even more credit and invest in even more businesses and property. This is how most American families clawed their way into the middle class after the Great Depression - your great-grandfather buying a house in the 1940s is the reason your parents could afford to pay for your college today. 

But there is one group that have been systemically left out of that process for decades, thanks to a practice called “redlining”. 

Banks decide whether or not they are going to loan you money by deciding how much of a “risk” you are. In the 1930s, bankers determined risk by looking at maps of their cities and drawing lines around particular neighbourhoods to determine how much of a risk they were. Bankers would draw red lines around predominantly-black neighbourhoods to signal that people who lived in those neighbourhoods were not eligible for credit - this was done regardless of their income. Poor white neighbourhoods could get loans, but middle-class black neighbourhoods could not. This meant that black people could not improve their situations - they could not afford to move out of cramped black neighbourhoods, they could not get the money to start a business, and they could not afford to renovate their houses to sell them at a profit. They were effectively shut out of opportunities that their white peers were granted. 

Redlining has been illegal for decades, but the cumulative impact of generations of redlining persist to this day. Experts estimate that an average black homeowner today has missed out on $212,023 in personal wealth because of the impacts of redlining.   “Zero-tolerance” policies have harmed marginalized and neurodivergent children without making schools safer. 

If you’ve attended or worked in a grade school in the last 20 years, you’re probably familiar with so-called “zero tolerance” policies. These policies emerged as a result of the 1999 Columbine school shooting, and are pretty much exactly what they sound like - in the wake of Columbine, schools began taking an extremely hardline stance against violence and bullying, assuring worried parents that they would not tolerate even the smallest hint of violence. In schools with zero-tolerance policies in place, punishments are extremely harsh - just about everything will get you suspended at a minimum. Get in a fistfight at school? Doesn’t even matter who started it, everyone involved is suspended. Throwing food? Suspended. Shouting at someone? Suspended. It doesn’t tend to matter if you were joking around or if you'd been pushed to the brink by a student who has bullied you for months - “zero tolerance” means absolutely zero tolerance, and you are suspended. 

But if you ever actually attended a zero-tolerance school, you probably won’t be surprised to learn that these policies don’t actually have any impact on school safety. What they do accomplish is higher rates of school failure and worse overall student outcomes, especially for marginalized students. 

And it makes sense. Which students are the most likely to be acting out in school? Students with ADHD, autism and learning disorders. Students with turbulent home lives. Students in foster care. Students dealing with abuse or trauma. These are the students who need to be in school the most, and need extra support from staff and teachers - instead of getting that support, though, zero-tolerance policies send them away from school for several days at a time, where they are unable to access support and fall further behind their peers. School quickly turns into a vicious cycle; students act out because they’re frustrated, they get suspended, they fall behind in class, which leads to more frustration, which leads to more acting out, which means more suspensions, which puts them further behind, etc, etc. Eventually they become so disillusioned that many of them leave school altogether, putting them at a permanent increased risk of unemployment, poverty, and incarceration.

Parking requirements are making cities unaffordable and unlivable for the poor.

Many cities - like Toronto and Vancouver - have mandatory minimum parking requirements written into their city zoning laws. These policies usually require that all residential buildings have at least one parking space available for every unit of residential housing - if you build a 60-unit apartment building, you need to make sure that you also buy enough land for a 60-stall parking lot or build a 60-space underground parking structure. 

When you think about the reasons that housing is unaffordable, “parking” might not be one of the first things you think of, but these laws have huge impacts on the cost of housing, and they negatively impact both the city itself and the working-class people who live there. Parking spaces are not free, especially in major cities like Toronto where land is at a premium - an above-ground parking space in a city costs an average of $24,000, while a below-ground space costs $34,000. Every unit of residential housing has $24-34k in parking costs tacked onto it - whether the tenant needs a parking space or not - and you can bet that landlords and developers are passing every penny of that cost onto their tenants. 

Parking requirements also decrease the number of units available, which is a problem, because the best way to keep housing affordable is to make sure that you have a lot of it available. A developer who might want to build a 300-unit apartment complex has to factor in the cost of creating at least 300 parking spaces.... so they might scale back to a 100-unit complex instead. Downtown areas that have huge demand for housing and low demand for residential parking are being underutilized because of zoning laws that were created decades ago and no longer reflect today’s reality. Young people, elderly people and urban poor people are increasingly unlikely to own a car, but they are being priced out of walkable neighbourhoods with good public transit for the sake of unwanted parking spaces.

Food safety laws and public property usage laws are making it illegal to feed the homeless. 

“Feeding the homeless” should be one of the most uncontroversial things you can do. Giving food to a person who is hungry is one of the most basic ways that humans care for one another. Everything from cheesy Hallmark movies to the Bible reinforces the importance of giving to others in need. But in dozens of cities across America, you can be fined, arrested or even jailed for giving out food to the homeless. 

Cities use different justifications to shut down or even arrest community service workers for trying to feed the homeless. Some pass increasingly restrictive “food safety laws”, stating that charities are only allowed to give away hot food, or that they are only allowed to give away sealed and individually-packed meals, or that they are only allowed to feed homeless people indoors (something that community organizations like mine do not always have the resources to do). Restrictions continue to get tighter every year in some places, despite the fact that there are virtually zero recorded cases of a homeless person being harmed by food they received from a registered charity. Food safety laws can also force restaurants and stores to destroy their unsold food instead of passing it out; some have to go as far as pouring bleach over the food they throw out in their dumpsters. 

Other cities have used public property bylaws to ban food-sharing on public property, forcing charities to apply for permits to hand out food (which are rarely granted). Justifications for these bylaws vary - some cities give vague excuses about “safety” while others admit that they’re trying to drive homeless people out of their cities - but the end result is the same. Cities are so desperate to be rid of their homeless populations that they’ll criminalize trying to help the homeless, rather than offering stable, affordable housing solutions. 

[mindmusicspirit]

Sick, tired and broke...

While it took the coronavirus to get people to genuinely realise this : our healthcare system is trash when it truly doesn’t have to be.

That technically feels like the end of my Ted talk, but I’ll go into some slightly repetitive data about it, because what I ultimately discovered is that this healthcare system is costing the most financially and humanely for Millenials.

Let’s start out with 2019 when 137 million Americans faced financial hardship due to medical costs. Scary part is, regardless of age, high healthcare bills are the number one reason people would consider taking money out of their retirement accounts or filing for bankruptcy, while 66.5% of all personal bankruptcies are tied to medical issues. ( CNBC).

According to the NYTimes, Americans borrowed $88 billion in 2018 in order to pay for their healthcare. If we’re borrowing $88 billion to pay for healthcare, imagine the profit that these healthcare companies are enjoying!

Why is healthcare so expensive? The best answer I could find is due to a “free” market and lack of regulation by our government as well as a lack of transparency when it comes to medical billing. According to Public Health Policy Professor Marty Makary of John Hopkins, the healthcare marketplace is “irrational”-- though I prefer the term uncontrolled-- where price gouging has become the norm. Heart surgery at one hospital may cost $44,000 while the same surgery will cost $500K at another facility, and the kicker here is, despite the disparity in price, there is no marked difference between the quality of care in the different facilities (CNBC).

As for lack of transparency for medical billing, I can personally attest to that ( though clearly I’m not a unique case). Last year I was hospitalized at Tulane University Medical for Diabetic Ketoacidosis, brought on by food poisoning, and I received 3 seperate bills for that one stay. One bill was about $350, the second bill was for $2200 , and the third bill was for $14.99 with no thorough explanation about what I was being billed for ( no general explanation provided either). The bills were just medical coding with no legend of what the coding represented, leaving me angry and confused. How does one hospital stay, at one facility come with 3 seperate bills? Sad thing is, I had health insurance, and seeing as health insurance comes with deductibles and out of pocket limits, I figured those hospital bills hit that, at the very least. Apparently it did not for reasons not even the health insurance reps could explain to me. How do I spend $2500 out of pocket, when my limit is $1500, and you’re telling me that that $2500 doesn't count toward my out of pocket? A clear lack of transparency in not just medical billing, but health insurance as well.

The general high cost of medical care is another reason we’re just out here remaining sick and in debt: The average hospital stay in the US costs about $5220 per day, whereas in Australia where the nation's wealth is comparable to the US, it’s about $765 per day. It is not even hospital stays that are the initial causes/starting causes of medical debt either: 65% of medical debt started out with either diagnostic testing or a doctor’s visit followed by Lab fees, ER visits, drug prescription costs and outpatient services (SingleCare.com). Why would something/someone whose job it is to cure or heal you be what brings you into debt? Even more so, why does something as primary and preliminary such as diagnostic testing or seeing the doctor be the main cause of medical debt? We’re in debt before we can even know what’s ailing us? Drug prescriptions are no different either. About a month and a half ago I lost insulin vials and needed to get replacement vials from the pharmacy: I’ve never actually lost insulin before in my twenty years as a diabetic, so you think that my pristine record would count for something. It didn't. Health insurance was not going to cover it, and the cost of one vial was going to be $900. Keep in mind, one vial will last me about two weeks. Maybe three if I make sure to not eat. $900 is more than my half of rent to put that cost into perspective relative to my monthly bills, and it was only going to last me half the month. If prescription costs are that drastic, I can only imagine the average cost of the diagnostic or doctors visit that affect the 65% that fall into debt because of it.

In addition to costing us financially, high medical care and medical costs affect our quality of life and ability to accumulate wealth, especially Millennials. According to a 2016 study published by Health Affairs, Millennials carry the most medical debt in the US as well as incur it more frequently: the article focused more on the fact that the debt starts at the age of 27 once the medical care/insurance for young adults under their parents insurance ends at age 26. The age group that ended up accumulating the most debt was also age 27 ( PBS.org) The Millenial age group also accounts for 35% of the overall population, so that could be another reason why we hold the most medical debt as well ( Single Care).

Quality of life is also affected in that Americans are foregoing medical treatment or medical visits due to cost. In fact, 21% of Americans had to do that in 2016 alone. That is 21% of people not getting the necessary healing treatment they need, or living in the dark of what’s ailing them.

32% have postponed medical care due to cost. When I hear “postpone”, I assume that the only reason they end up getting medical care is because their ailment got worse or to a point where they couldn’t avoid not getting the medical care that they needed.

40% of adults ages 18-64 have relied on at home remedies or over the counter drugs instead of going to the doctor due to medical cost ( Singlecare.org)

I have fallen into all 3 categories: In fact, once , in order to avoid a hospital visit, I treated my own onset of ketoacidosis. For those of you not sure what that entails, it basically includes taking my insulin through my veins as opposed to subcutaneously ( injecting my arm or stomach) while avoiding any liquids or food, including water for at least 24 hours. The reason you have to do that is because your body’s acid level is falling to a dangerous level so it won’t react to insulin being delivered into your fat stores or beneath the skin: It has to be delivered directly to your bloodstream to have an effect. This acidity level will also cause your blood sugar to rise to dangerous levels, and potentially even lead to a heart attack if not treated in a timely manner.The low acidity level is also why the body won’t tolerate any food or liquid, as it tries to purge every possible foreigner from the body in order to normalize its pH level. Imagine not being able to drink water without violently vomiting it up. So there I was at home, a young twenty year old, injecting insulin into my veins, every hour for at least twenty four hours, until my body was on the mend again. I had to be my own doctor in order to avoid a $2k-$3k plus bill that I knew I couldn’t afford. Was it risky? Yes. But, I was forced to be concerned not only for my life but for my financial well being simultaneously. Sad fact of the matter is, I’m confident that I’m not the only type 1 diabetic with a story like that, and I’m not the first to have to weigh my life versus my finances.

In order to pay for medical costs:

53% work out payment plans with their provider. That’s probably the best option, although it ends up being one more bill to add to the list at the end of the month. I’m still paying off that $2500 hospital bill I previously mentioned.

37% have had to borrow money from family or friends

34% have increased their credit card debt

70% say they cut back spending on food, clothing, or other basic household items.

41% say they took an extra job or worked more hours.

59% say they used up most or all of their savings.

35% say they have been unable to pay for basic necessities like food, heat, or housing. (Singlecare.org)

The statistics at the bottom are exceptionally high and staggering. 70% have to cut back on basic household items/comforts in order to pay medical bills: Is it really a succesful or efficient healthcare system if you have to choose between food or medicine?

In addition to our quality of life/quality of health being impacted, I mentioned our ability to accumulate wealth, which for Millenials have proven more difficult than prior generations: According to Caroline Ratcliffe, a senior fellow at the Urban Institute who studies asset building and poverty, wealth is stagnating for younger generations compared to their parents and grandparents. For people under 40 years old: their wealth has only inched up compared to their parents in the 1980’s, and many factors affect that: Credit cards ( see prior posted article on credit card debt), Student loans ( future article) and of course medical debt:

When one in six Americans have past due medical bills on their credit report, it affects their ability to secure a good interest rate on a home or auto loan. ( PBS.org) We’re constantly told how real estate is one of the best ways to accumulate wealth, yet these unnecessary and predatory forms of debt make it harder for us to do so. A lot of these past due bills average about $600(CNBC), but when most of us have credit card bills, monthly living expenses, student loans, and living paycheck to paycheck, how easy is it to pay $600, realistically?

The additional injury to injury ( because we’re long past insults to injury), is the fact that medical care is slated to become even more expensive. It’s expected to hit $6 trillion by year 2027, and it’s already 2020!

When individuals, the federal and state government, and private business seem to share an equal balance of overall medical expenditures ( be it through medicare, the cost of employee covered insurance etc etc), why then would medical costs go up?

It goes back to the beginning of the article, where we pointed out how unchecked the healthcare industry is. Despite the fancy words and round about explanations we may get from lobbyists and those in healthcare, in addition to being gaslit by them that rising costs are unavoidable, it most certainly is avoidable.

Don't forget, compared to other countries that have comparable wealth to us, everything is more expensive here in the US, and there doesn’t seem to be a disparity in the actual quality of care. For example, the total health spending per capita is 84.8% more expensive in the US than in Canada.

In America, they perform 322 C-sections for every 1000 live births, which average a cost of $16,000. In the UK, it’s 264 C-sections per 1000 live births with an average cost of $6k.

An MRI averages about $1115 in America, yet averages to about $215 in Australia. (Singlecare.com).

These countries are comparable in wealth to us, so is affordable and universal health care really that far fetched or radical of an idea in America? Especially when it’s driving such a staggering amount of people into debt? The answer is NO. Based on the medical cost and quality in other countries, not only is it possible, but easy to make it affordable and universal. There are so many different models that are currently working that we can choose from to emulate even.

Health insurance, healthcare and pharmaceutical companies need to be governed or regulated here in the US. Otherwise, the health care system is just another player in the systemic debt traps that seem to be set for the poorer masses, and it’s a problem that’s only projected to get worse, especially for Millenials. It’s grossly affecting our overall quality of life and ability to generate wealth. These statistics show that while the sick get sicker and entrapped by debt, the healthcare industry and those at the top will benefit the most financially from our plight. This current system is neither logical, nor sustainable for the masses, the greater good, or for the economy.

What ever happened to the Hippocratic oath to do no harm?

References:

137 Million Americans are struggling with medical debt. Here’s what to know if you need some relief.

https://www.cnbc.com/2019/11/10/americans-are-drowning-in-medical-debt-what-to-know-if-you-need-help.html

2020 Medical Debt Statistics

https://www.singlecare.com/blog/medical-debt-statistics/

Millennials rack up the most Medical Debt and most frequently.

https://www.pbs.org/newshour/health/millennials-rack-up-the-most-medical-debt-and-more-frequently

Americans borrowed $88 billion to pay for healthcare last year, survey finds

https://www.nytimes.com/2019/04/02/health/americans-health-care-debt-borrowing.html

Survey: 79

million Americans have problems with Medical Bills or debt.

https://www.commonwealthfund.org/publications/newsletter-article/survey-79-million-americans-have-problems-medical-bills-or-debt

[sirlorde7-blog]

The UK is such a mess.

Poverty, homelessness, fewer jobs for un/low-skilled workers, kids starving, old people dying, more kids in care, Brexit, adult social care and the NHS!

Parents struggling financially face many problems, not least of all potentially and unintentionally placing additional stress on children. Kids growing up poor understand that no-one knows where the next meal is coming from, or if the electricity will stay on, or if they’ll get lunch during the summer holidays. Not to mention there is no money for extra-curricular activities, day trips out or even a new football to kick around in order to stay out of trouble. (https://www.theguardian.com/tv-and-radio/2019/dec/02/growing-up-poor-britains-breadline-kids-review-the-lives-stolen-by-poverty)

Too many children live in temporary accommodation, often sharing one room with siblings and parents. They are expected to focus at school, whilst teachers apply pressure to “perform” like monkeys - sit this test, pass that exam, all so the school can justify itself and draw down funding. Our children are more stressed than ever and we’re raising a generation filled with mental and physical illnesses and conditions that a few decades ago hadn’t even been heard of! “The most recent quarterly statistics recorded 84,740 households in temporary accommodation at the end of March 2019. This represents a 77% increase since December 2010, where the use of temporary accommodation hit its lowest point since 2004″ (https://researchbriefings.parliament.uk/ResearchBriefing/Summary/SN02110).

Countless parents struggling with with finance, work, housing, accessing support, healthcare and more, may also be suffering with mental/physical health conditions; and therefore, the whole family suffers. And before anyone gets on my case about people on benefits, most of the 4.1 million children living in poverty have at least one parent working! We've created a whole new 'class' of people in the UK in recent years - the "working poor" (https://www.theguardian.com/business/2018/dec/04/four-million-british-workers-live-in-poverty-charity-says).

However, companies want their profits and too many large corporations make millions, if not billions every year, whilst desperate people cling to work, hoping their child isn’t sent home sick from school, praying their car makes it on the little bit of fuel they’ve just put in; and plugging away for hours on end without any food because there is nothing in the cupboard to make up a packed-lunch and their kids are receiving free school meals because there’s just no other choice.

There are no council houses, social housing is a joke (waiting lists approx. 7-10yrs) in some local authority areas, and private rents are through the roof. Our NHS is slashing services, and closing clinics and local hospitals, which reduces the provision to those most in need; including mental health teams and adult social care (https://nhsfunding.info/symptoms/10-effects-of-underfunding/cuts-to-frontline-services/).

However, children’s Social Services appear to doing just fine in the sense that they’re busy enough accusing parents of abuse and/or neglect, simply because they’re battling ‘life’ on a daily basis. They’re very quick to remove children from ‘good enough’ parents, fast-track the paperwork to court and apply for removal orders left right and centre; leading to private Fostering and Adoption agencies cashing in! This video highlights just some of the issues with Social Services and the system as a whole: (https://www.youtube.com/watch?v=a7TcFWqKja8).

Trying to 'survive' creates stress, which has many wide-reaching physical and mental implications; from hormone imbalance, metabolic disorders and weight gain, to fatigue and eating problems. Many parents do go without so that their kids can eat, yet they still gain weight and lose energy, feeling exhausted every day, simply due to the stress they're under. Choosing between heating and eating creates health issues, with malnutrition identified in the 5th richest nation in the world and the elderly dying of being unable to afford the gas fire (https://www.independent.co.uk/news/business/news/cold-weather-uk-winter-deaths-europe-polar-vortex-a8224276.html).

The Labour Party, under Jeremy Corbyn, aim to privatise energy, water, rail and the postal service, as well as some other utilities and services; however, they need to go one or two steps further. The NHS offer should extend to in-home care and the running and regulation of care homes (with those who can afford to pay, doing so) and the government should regain control of children’s services, with private fostering and adoption companies being take out of existence (https://www.theguardian.com/society/2018/nov/23/revealed-companies-running-inadequate-uk-care-homes-make-113m-profit).

Unless something changes on a national scale, with a new government and new direction, the mental health crisis is only going to get worse, along with other social problems such as excessive drinking and drug-taking (used as a form of escape), increased crime rates and gang membership, and anti-social behaviour (often due to boredom), etc. Parenting hasn’t become worse, people are fighting to survive! Nurses are going to food banks, fire fighters work second jobs; Police recruits are low caliber due to the starting pay offered and standards being lowered during recruitment drives. Teachers are watching kids fall asleep in class because they’re not eating and sleeping properly.

You only need to take a look at some news headlines to realise just how out of control everything is. On top of the national political and socio-economic issues facing the UK, privateers are pressing on with a needless and expensive high-speed rail network - HS2 is now an £88 BILLION pound project! Imagine what could be done with all that money (https://www.theguardian.com/uk-news/2019/sep/03/hs2-to-be-delayed-by-up-to-five-years). It would certainly solve a few problems.

So whilst business commuters might, eventually, be able to arrive at their destination 30mins earlier than before, the general population is duct-taping their shoes together and sewing holes in socks, just so they can go to work to earn enough to barely keep a roof over their head and food on the table, and the big businesses just keep getting richer (https://www.theguardian.com/news/2019/dec/03/uk-six-richest-people-control-as-much-wealth-as-poorest-13m-study).

And what about the planet? Are poor people really interested in recycling, sustainable living and providing a nurturing garden habitat to attract wildlife (for those lucky enough to have access to a garden of course)? Some might be, but in the main, people are overworked, underpaid, stressed beyond belief, exhausted and trying not to yell at the kids or argue with their partner because everyone feels the same and is rubbing each other up the wrong way.

The UK desperately needs radical change. Never mind the disaster that is Brexit, the more urgent issue is “survival”. Charities, foodbanks and the like help, but they should even need to exist. There is more than enough money, food and water to go round; it’s simply a case of sharing the wealth.

Controlled procreation should also be on the agenda. Not the systematic theft of children by Social Services, ‘upcycling’ kids to ‘better’ families to reduce the number of underclass and bring down the welfare bill. But the responsible, educated, proactive approach from people choosing to have children. Ideally, a couple would stay together and have up to 2 children, live in a safe, warm and comfortable home, raise them well and encourage them to do the same. However, many are choosing to have 3 or 4 children, and in some countries many more, and the planet is overpopulated. Yes there are issues around adult separation and rape case where the pregnancy isn’t terminated, but this focuses on more general planned parenthood.

Birth control and education must be provided worldwide and the relevant support provided to parents who need help - often, it’s simply a little guidance or support, but instead, in the UK they’re often faced with meetings, court appearances and parenting assessments, as they are accused of not being able to cope. As a human race, there is a responsibility not to over-produce more humans! Earth is running out of resources and the air and water is becoming more polluted. Eventually, people will be hunting each other and fighting over scraps because everything else is gone. Millions will have died off through dehydration or starvation. Medical services won’t be available. Money will not longer be of value - unless of course you can digest it to gain a few dollars worth of energy.

Also, we’re so intent on living longer, curing disease and holding onto pregnancies which otherwise would have self-terminated; yet we’re overrunning the planet with more and more elderly, sick, disabled humans needing to be cared for. We’re creating more problems than we’re solving and we’re not being responsible. We all want to keep loved ones close, but can we afford their care, or do we have somewhere to place them until they finally pass? Of course Cancer is a multi-billion-pound industry and therefore, sick people equals profit for big pharma. China had a one-child policy which created many issues for a long time, however, they reduced their population and increased it to 2 only as recently as 2016 (https://www.newscientist.com/article/2214179-chinas-two-child-policy-linked-to-5-million-extra-babies-in-18-months/).

There is no easy answer. Low-skilled jobs are replaced by self-serve checkouts, Universal Credit has plunged thousands of people into unnecessary debt, the rising cost of living is not reflected in wages, people are living in unsafe properties because they have nowhere else to go and others perish in fires due to inadequate building regulations - 2yrs on from Grenfell and still no changes have been made (https://www.theguardian.com/commentisfree/2019/dec/03/fires-grenfell-towers-combustible-cladding).

The poor simply don’t matter and currently, there are too many of us for the government’s liking, so it’s doing it’s best to kill us off. It’s a Social Cleansing agenda which serves the richest, most powerful in society. Many of us will live on, clinging to work, hoping for a brighter day; all the while putting more money into the off-shore bank accounts of the elite from which they buy their yachts and private jets, champagne, cocaine and pretty boys and girls to play with (https://www.globalcitizen.org/en/content/anneke-lucass-harrowing-tale-of-sex-trafficking-am/).

This world is SICK and getting sicker. We’re hoping for change. We’re hoping for a UK Labour government and for Donald Trump to be removed from the White House - that would be a good start. We’re then hoping to cascade the transformation around the world, to lead by example and have the 1% share the wealth they have accumulated through the enslavement of the general population - starting with paying Tax.

If you truly care about your future and that of your children, take action:

- vote Labour on 12th December 2019.

- vote for a decent POTUS candidate.

- boycott big pharma and big corporations - buy local, reuse, recyle and repurpose. Use repair cafes and similar to swap, make good or otherwise utilise products which already exist instead of buying new.

- help your neighbour - buy in bulk, cook and eat together to reduce costs and waste, plant your own food, eat less meat/become vegan. Cook in bulk and freeze meals for another day.

- responsibility manage household energy consumption and look for solar/wind options.

- carefully plan and be responsible for just one or two children, lessening the load on this planet and your bank balance.

- be happy with what you have - go charity-shop shopping instead of buying new; move things around or swap rooms about instead of redecorating every couple of years. If you cannot sell an unwanted item, give it away, don’t bin it.

- stop going mad at Christmas and reduce down what you buy for Easter, Halloween and other occasions. Wrap your gifts in newspaper or recyclable materials.

- use metal or glass water bottles and refill instead of buying plastic all the time.

- understand the law! You never know when you might be fighting a battle with the powers that be - become your own detective and your own legal team. From employment law to the Children Act 2004, familiarise yourself. Legislation touches EVERY part of our lives, from driving to renting a house, and from buying food to taking out a mobile phone contract. You need to know how to protect yourself every step of the way. The authorities (currently) are NOT on your side, so make sure you’ve got your own back!

[misadventuresofthatoregongirl]

A little background... I am 27 years old. I have a 9 year old. I have been with his father since I was 12 years old, I have never “dated” anyone else. I have seen others, but never been in a relationship with anyone else. in January 2019 my little brother (we were 4 years apart and very lose) was left for dead by police after he got in a car wreck and had a head injury. He had a pulse for 30 minutes yet was never taken to the hospital, that was 10 minutes away. A week later some rich yuppie blew their entire head off with a shotgun, 80 miles away from the hospital, had no pulse, but was air lifted to the hospital. I strongly feel my brother was left for dead due to the fact he had unpaid fines. Mostly due to no car insurance or “driving while suspended” over no car insurance. But I know only blacks matter in this country, not some mutt who is half native american half white. That has been made ABUNDUNTLY CLEAR. 

If you are one of those stupid cunts with the “driving is a privilege” bullshit mindset, (driving to work should not be a privilege should be a basic human right and “ride the bus” only big cities have busses and many people have to commute to larger cities in Oregon) when basic liability insurance is about $300 a month for people who are never on mommy and daddys insurance, please kindly fuck off. Housing in Oregon is insane, already, most people have half or more of their money going to rent if they can manage to get somewhere to rent to them at all, they should not have to have another 1/4th or more of their income going to basic liability insurance when they have never even had a ticket. I went through the same shit. Eventually police would just wait in the parking lot for me to leave work and just ticket me over and over, I was denied a hardship permit that is also such a scam. Pay a bunch of money for something you aren’t even guaranteed to get. I drove 1000 miles a week just to get to work, because I could not find work in the rural area I live in not could I afford the $1500 a month rent in the city that has jobs (that’s basically how much I made a month) it is what is is. I had no choice. 

Paying for car insurance crippled me financially. I was actually split up with his father at that time but had to come crawling back begging for money due to my $300 basic liability insurance. The tickets are not even on my record anymore, for driving with no insurance and driving while suspended but its still $260 a month. Absolutely sickening. I don’t have a fucking dime left over after i pay bills, and my boyfriend works and we STILL have no fucking money. Ever. We don’t get to go on vacations, we live in the shittiest neighborhood in the entire county, in a shit trailer, drive shitty cars, I assure you we have nothing nice. Nicest thing he had is probably his work boots which were paid for by his boss, working your ass off in Oregon does not pay off. “Get a better job” no shit sherlock, did it ever occur to you its difficult to not get fired from your job you are currently working, and still go to interviews? Employers be like “I know you have a job currently but can you drop everything and come in an hour?” Oh yeah, totally. And if you try and schedule it for a time maybe you won’t get fired its usually “Nevermind.” And the interview process is a begging a groveling process like you’re a god damn peasant. Why do I want this job? MONEY! Why else! Why does anyone want any job? I worked at a staffing agency for 4 years and I can not tell you how many people did well at those stupid cookie cutter questions but were shit workers. I wish places would just let you work a day or two and see. 

Then I got laid off as soon as stupid corona hit in March, they already fired my office manager and a sales person “over discounted bill rates”. Kinda like how the Dollar Tree stays in business because its cheap but more volume is sold (worked there before too that was horrible) so they have just as much profit if not more, as say Walgreens or something. With corporate clowns coming down and saying to clients basically pay the full rate or we are taking you to court, to 3/4 of the clients, sales tanked. They tried to blame corona but the sales were complete shit before that as soon as they fired the two people who had most of the sales, with discounted bill rates. I am still friends with someone who managed to not get fired. They said in a conference call this week they announced they would be lowering bill rates. *Face palm* now that you fired hundreds of people, you are lowering bill rates. How many lives did you ruin before coming to your senses? Companies here are just so fucking awful!

A few years ago I decided I wanted to move out of the country. However if you have a child, both parents have to sign a passport form unless you don’t have the father listed on the birth certificate. Norway in particular I like, its beautiful, free healthcare, minimum wage twice that of Oregon with cheaper rent and free healthcare, they also help with childcare. They claim they do in Oregon but your “copay” is usually so high you might as well just pay out of pocket and not deal with all the states controlling bullshit you have to deal with when you get state assistance. People like to say “Norway has higher taxes” please shut up and go look at Oregon’s income tax rate. One of the highest in the country. Expensive gas, INSANE housing, its just not possible to have a decent life here in Oregon. I love the ocean also. Norway is beautiful and comes in the top countries for quality of life every year, meanwhile USA is at the very bottom. 

Everyone called me paranoid all those years, I just had a bad feeling that something bad was going to happen also and I needed to get out while I still could. Next remark “how can you afford to get there if you are so broke?” Simple don’t pay my outrageous rent and insurance for 1 month problem solved. My child’s father finally agreed to sign the passport form now that its too late and Americans are banned from basically every country in the world, once the racism and virus bullshit started. Super awesome. He will never hear the end of that from me. Its been months and I still do not even have the passport. Even if I did I AM TRAPPED HERE!!!!!!!!!! I can not even go to fucking Canada!

I decided ok, I will try and move to Montana/Idaho/North Dakota or something. Give up my ocean in attempts to get the hell away from all this mask and the non existent “racism” bullshit. Go somewhere with a lower cost of living, more jobs with higher wages. I absolutely can not stand wearing the face masks. There is no evidence they work, just go look at Sweden. Or the states I just named which have no mask laws. Also a lot of rural areas in Oregon do not wear them seems like the entire populations would have been sick or dead. I am not looking to argue with scared little sheep over this. Before you say “I hope your grandparents die” because I don’t wear them, something that I have seen many people say to myself and anyone else without a mask, my grandparents have said many times they would rather be dead than be completely isolated over some bullshit virus with a higher survival rate than the flu. Plus the media has lied so much, how can you believe a word they say? Seriously? They are all left winged biased. I am not even a conservative and I can see it. But people just eat the shit up. That 26 year old who they claimed died in Oregon from coronavirus, turns out did not even have the virus the CDC medical examiner said. So you choose for yourself what to believe. 

I did get a job in Montana very easily. In six fucking months in Oregon I had maybe 5 phone calls for a job, all minimum wage no benefit shit jobs. I did 2 years of business and law classes, 4 years of heavy payroll and accounting for work so its not like I have absolutely no experience in anything worth a fuck. Plus 8 years total of customer service or more I have been working since I was 18 with gaps here and there between jobs. But with my boyfriend and son back in Oregon, 900 miles away, it was really difficult. I had never been alone like that or even stayed a night away from my child. Never in 9 years. First of all staying in some shitty hotel... I hate hotels in general I like my little nest, as shitty as my house may be, even at a nice hotel I would rather sleep in my own shitty bed. I lasted 2 weeks, only having $100  week leftover for food and other bills spending $400 a week at the cheapest motel I could find, before I gave up. I could not save money for a deposit or loan and my boyfriend has absolutely no credit so he could not get approved for a loan or rental either. He also had absolutely no one to watch our child back in Oregon with everything being closed so he could not work during that time and almost lost the job he had. Done landscaping for 11 years and still only makes $2 above minimum wage because companies treat employees like such shit in Oregon. I was so close, had a decent pay (way more than I ever made in Oregon even though Montana has a lower minimum wage) with benefits, but it was impossible to move into a rental. My credit is good enough for a loan, but I could not save money for a down payment staying in a hotel. Plus I was so lonely and miserable. Now winter is coming and we will not be able to go back and forth in that snow in little cars anyways.

If we would have succeeded, I would have gotten us into a rental and then quit as soon as he got a job because we never have anyone to watch our child and the cost of living is so much lower we would not HAVE to both work like we do here in Oregon. Especially now. Seriously, what the fuck do they expect people with kids to do? Schools are closed and even if they weren’t there is no way in hell I would send my kid wearing a mask all day. SO bad for you! They have to wear them all day “except at lunch” ok so might as well just take the damn things off the entire day. These rules don’t even make sense how do people not see that? Or in a restaurant you have to wear them if you walk to the bathroom but not at the table what logic is that? How do people not see through this bullshit? And children are gross they touch everything masks are going to do shit at schools. Notice the schools that did open, masks or no masks still had a shitload of cases. Single parents are especially screwed in particular. I guess if you could somehow both find employers willing to work with your schedule (good luck with that) you could constantly work opposite shifts as your partner/spouse and never seen them and work. 

Anyways, jobs for him paid more up there too, rent is fucking half of what it is in Oregon. Their average rent is the price of “low income housing” in Oregon. But we just could not do it. I tried. I tried so hard. I even learned Norwegian jeg snakker norsk und ich spreche auch Deutsch because Austria was another country I was interested in. You can try and try and try here, but unless you get lucky, or your parents help you, I do not know how people do it. All the old people I know here don’t have enough money to live off either after working 50 years. Its so sad.

I am no perfect person either. I am pretty bitchy, I have horrible anxiety I quit public school at age 12 and finished online, yes I have a high school diploma. I actually did all my high school schooling in 2 years after skipping 3 years of school with no problem. I never even really went to middle school and still managed. I am not stupid. I just have a hard time doing things I am absolutely miserable doing.

I will go into more detail, year by year on what a shitshow it is to live in the USA but in particular Oregon. The entire west Coast really. I hate it here and I just want out but I have tried everything. 

[spearmatch55-blog]

6 Reasons that You Should Never Provide Money To Buddies Or Household

6 Reasons that You Ought To Never Ever Lend Cash To Friends Or Family

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Content

Do You Required To Borrow Money?

Choosing Whether You Should Be Borrowing Money

Do You Actually Required To Spend The Cash In Any Way?

Can You Save Up Or Make Use Of Some Financial Savings As Opposed To Loaning Cash?

Do You Need To Borrow Money?

As long as you have great credit as well as great reasons to borrow money, a bank will usually be more than pleased to expand a loan to you. It'll feature a clear settlement strategy as well as interest rates that aren't expensive in the grand scheme of points. From credit cards to long-lasting mortgage funding, UK credit customers trust different finance alternatives to accomplish their cash goals.

Determining Whether You Must Be Borrowing Money

When healthcare expenses stress your home budget, your monetary expert can assist you sort out your alternatives. Usually, when an organisation professions on credit terms, capital can be extended as vendors require to be paid in advance of obtaining repayment from consumers. As well as when a business is experiencing rapid development, this can come to be much more of an issue, meaning that constant loaning is needed to make certain that adequate money is readily available whatsoever times to meet daily dedications.

Which app gives loan instantly?

To apply for an instant cash loan with NIRA, you must be an Indian citizen and between 21-65 years of age. You will also need to have a college degree, be working for a minimum of 6 months and earn a salary of Rs 20k or above per month. You do not need a CIBIL score to apply for a quick cash loan through NIRA.

Do You Truly Required To Invest The Money In All?

In the past, many countries have taken and examined new as well as cutting-edge ways and also principles to boost monetary gains from trading partners. The capacity of the nation to use its sources to increase its wide range is not at all bad. The financings also allow loan providers to transform rates at established times in the future. Refusing to pay upgraded rate of interest would certainly suggest councils are required to pay back the loan in full.

Can You Save Up Or Utilize Some Cost Savings As Opposed To Loaning Money?

They can make minimal payments or be offered one more three-month repayment holiday. People obtaining assistance ought to not have their bank card put on hold. In a lot of cases fundings were required to assist settle other financial obligation; 13% of respondents needed the money to assist with home loan repayments or rent out, 11% to help pay off credit cards as well as 4% to pay off a short term lender. As long as you're taking into consideration the borrowing as a short-term option, you can not go wrong with a credit card. Used appropriately, they'll aid you rebuild your credit score while also allowing you borrow money to make purchases.

Great Money Loaning Versus Bad Cash Borrowing

Debtors looking for loans can calculate the actual interest paid to lenders based on their marketed prices by utilizing the Interest Calculator.

It is necessary to comprehend the distinction between APR and APY.

To learn more about or to do estimations entailing APR, please check out the APR Calculator.

Greater rate of interest of regarding 55% from the economic sectors triggered Africa to go to China for lendings, which is around just 17%.

The rate generally published by banks for saving accounts, cash market accounts, as well as CDs is the annual portion yield, or APY.

Additionally, when you obtain from an enjoyed one, you often can borrow 100% of the called for amount as well as enjoy reduced interest rates (or no passion whatsoever). The most unfavorable component of borrowing from someone you recognize is that your personal partnership might be harmed completely if the circumstance goes south. Simply use online, offering details of your income and expenditures, submit your application, check your email and also get money in your checking account!

It's up to you to measure the price of numerous loaning options, before making credit dedications. On-line sources make it possible to compare various offering options, identifying the most effective, budget friendly ways to borrow money.

Among numerous popular locations to borrow money, on-line credit possibilities provide fast money, without delays. If you're dealing with an economic situation, or see a cash flow shortfall ahead, address your urgent money needs with a top lender today. Credit card business and on the internet lenders provide locations to borrow money.

You can utilize them to get anything from your food purchasing to new vehicles-- yet beware, the rate of interest are typically fairly high. If you do not assume you'll have the ability to repay the total you have actually borrowed within a couple of months (preferably one month) after that you may be much better off obtaining cash from one more source. While lenders say focus on the high APR is a misrepresentation as the cash is not offered over a year, movie critics claim the fundings target the most economically prone, whose debts can easily snowball out of hand. In March, a report by the Office of Fair Trading found payday lending institutions make most of their cash from missed payment costs and also passion built up.

A supervisor's loan account allows you to pay yourself beyond your normal income by borrowing money to repay at the end of the fiscal year via dividends. Customers looking to take a ₤ 5,000 personal loan repayable over a 24-month period might take into consideration Tesco Bank, which provides the lowest APR of 3.4%. Both its Telephone Personal Loan and Online Personal Loan provide this APR and the total quantity repayable on these loans is ₤ 5,176.32. This type of credit is a little tougher to obtain than the previous 2 that we have discussed in this guide.

If you need to borrow money, it is best to avoid payday loans, front door lenders and loan sharks, which will cost you a lot of cash. Loans from cooperative credit union are more affordable, easy as well as risk-free to gain access to, and also there are no concealed fees or charges. The market is inundated with lots of choices for credit, from cash advance, guarantor loans, charge card, overdraft accounts to borrowing cash from loved ones, but exactly how do you know what is the most effective product for you? Each product has its own advantages as well as disadvantages and what is right for you will certainly depend entirely on your situations. Nonetheless, if you need to borrow money promptly and also safely, why not attempt our brand new option to your credit requires-- The Polar Line Of Credit.

There are other methods to obtain money, as well as they all include their positives as well as downsides. Review our types of credit post to exercise which alternative is best for you. If you're thinking about obtaining a cash advance, we appropriate suggest you read our write-up concerning them right here, as the significant rates of interest these business charge can set you off on a financial obligation spiral terrifyingly fast. There was a time when you needed to see a financial institution or credit union to take out an individual loan.

Along with on-line financial institutions, you can connect to a peer-to-peer loan provider (P2P). Obviously personal loan interest rates can typically be fairly high contrasted to safe finances. Be sure to examine the details of the loan prior to you obtain it too. Undoubtedly this applies to any kind of type of loan, but personal financings often have early settlement charges, which are not ideal if you discover on your own in a placement to repay your debt totally. The main advantage of receiving a loan from a close friend or relative is that your "loan provider" is more likely to be versatile regarding repayment plans.

[techstaffer]

The Pain of Job Loss

Losing your job can leave a bitter aftertaste, but when one door closes another one opens.

Whether you've been surplussed, down sized right sized, laid off, fired, or forced retirement, a job loss can be very devastating. Your career, finances and self-esteem can all be hit hard and in an instant, doubt and uncertainty wipe out any satisfaction and security.

But, while losing your job may be out of your control, the way that you react to it is not. With the determination to spring back and a focus on the positive aspects of your situation, you can turn adversity into opportunity. This article will show you how.

_________________________________________________________________________________________________

Actions to Avoid

You lose more than just your regular salary when you lose your job.  You can also lose the ability to collect pension and retirement benefits, status, routine and your social network. These all can quickly go away, along with less tangible assets like confidence, self-esteem, purpose and identity.

Loss of a job, especially for those with over 20 years of service, affects the same receptors in the brain as loss of a loved one. The same five stages of grief apply for the employee going through job loss , denial, anger, bargaining, depression and acceptance are a part of the framework that makes up our learning to get through the loss of a job.

As the reality of your situation confronts you, you might feel upset one minute and annoyed the next, and it can be tempting to vent your frustrations. However, reacting on impulse is almost always a terrible thing, and it can make an already difficult situation even worse.

Here are some actions to avoid doing in your last few weeks.

Becoming Openly Angry

Venting your anger at managers and colleagues when you're told that you've lost your job might make you feel better temporarily, but it will damage your career in the long run.

Your employer may be reluctant to give you a great reference and/or a nice severance package if you leave "under bad terms." And if you cross paths with your former colleagues later in your career, they'll likely remember your negative behavior and actions.

It's far better to leave calmly, with your dignity and integrity intact, than to "burn your bridges" before you've even left the building.

Criticizing Others

Once you have left, never criticize your manager, your colleagues, or the company behind their backs, as they may hear about your comments. Talking trash in the office or on social media platforms about them can make you look unprofessional, sour and rude. These will show up later so be careful

Also, in doing this, you may unwittingly sabotage your replacement's chances of making a success of his or her new role – it may unsettle him, and make him unsure about whether he's made a good choice in working for that company.

Taking It Personally

If you were laid off, you might feel that you lost your job because you weren't qualified enough, you did something wrong, or you "didn’t look the part." But, no matter how personal it feels, the chances are that your departure really wasn't because of you.

Companies routinely cutback and restructure as business circumstances change, and sometimes they have to do layoffs. AT&T, for example, laid off 10,000 people last year and Verizon offered an early retirement package to 44,000 employees in 2018. Job loss isn't down to personal failure, and you shouldn't feel guilty if this is the case.

However, when losing your job was unquestionably your fault, there will likely be several issues that need to be addressed so that you don't make the same mistakes. We'll look at some of these in the next section.

Meanwhile, you should try to guard against self-pity. Even the best people get fired – take Steve Jobs at Apple, for example – so do not dwell on your situation and focus on creating a plan to move forward.

Here are 10 tips To Get You Through A Job Loss

_________________________________________________________________________________________________

1. Find out Where You Stand

Make sure that you know your employee rights before you walk away from your organization. Find out what you're entitled to from your employer and from the government – benefits, severance packages, and pension schemes, for example.

Also, ask about references, the vacation time you accrued, sick and overtime pay, and your eligibility for unemployment insurance, bridging your company pension if you come back, and the continuation of health coverage.

If you are surplussed or right sized in that location or hub and are short of the important 75 points (Rule of 75), do everything you can to stay at the company until you hit these magical benchmarks. Also be aware of the fine print.  AT&T offers to get you to 75 points but that extension only applies to ATT Health Care (See article) Also, if you are laid off or surplussed from AT&T and are rehired within two (2) years after your Termination of Employment, the absence will not be a break in service(See ATT Rehire Article).  Some companies terminate jobs in one location or hubs but the job may be available in another city or hub. Relocating may get you to the Rule of 75 points, which will give you a vested pension and retirement healthcare. If necessary, transfer to a new city to get to 75 points by renting a cheap apartment or become a roommate in another city for a year. Then come home every other week. When we talk to candidates who lost their job but have the ability to keep employment if they relocate, most choose not to relocate.  This may be a mistake and could end up losing in some cases in excess of $100,000 in their pension benefits. The Rule of 75 most companies offer also provides for retirement healthcare, and could be a $1000 a month additional perk not available at your new job.

Severance packages also vary enormously, so, if your settlement does not cover everything that you need, check with your manager. Also determine how to take the severance (lump sum or payments). Being able to use your company laptop might be useful while you're looking for another job, for example, or you might want to ask whether you could remain on a part-time or freelance basis. The company may not say "yes," but you won't know without asking. Also consider taking severance over a period of two separate years to lower the tax consequences

2. Review Your Finances and speak with a Retirement Specialist

Your finances will inevitably be squeezed without the certainty of a regular income. Run a cash flow projection and budget before you leave the company to determine how to leave. Get a free consultation from an advisor or run it using the many free internet finance tools available online.

Run the cash flow first to determine what you need to make on your new job. The cash flow will assist you in determining how to take severance. If you receive a pension a cash flow will determine how much more you need to make to supplement the monthly retirement annuity. Remember some of the biggest mistakes is not relocating or traveling to a remote position to hit the Rule of 75.

Once you run a cash flow construct a budget. Start by writing a list of your major household expenses – mortgage or rent payments, utility bills, and so on. Then, note down all of your assets and sources of income – your severance pay, any unemployment benefits, savings, and food stamps, for example. Finally, revise your budget to fit your new circumstances.

Trim any unnecessary outgoings, develop a plan for spending less, and consider contacting creditors to refinance your mortgage or reschedule any repayment plans. (You may be able to take a mortgage "payment holiday" in the short term.)

Knowing how much time your resources will allow you for job hunting can help you to keep stress and anxiety in check. After all, having time can be the difference between rushing to take the first mediocre job you can find, and finding a satisfying job that you'll love.

You may also need to consider taking on temporary or freelance work to bring in short-term cash. Keep this in mind, and look into it in the first few days after your departure.

3. Rally Your Supporters

Get on Linkedin and connect with your fan base. You may feel upset or embarrassed, and your instinctive reaction may be to run away and hide. Confiding in positive-minded family, friends, former colleagues , and even career counselors and support groups can make a huge difference for you, and can help gain an alternative perspective on your situation.

You are not alone. Many others in your company are in the same boat and they also want to discuss their frustrations. Sharing your feelings about what has happened could possibly help you deal with stress as well as others deal with their stress. This communication reduces any sense of isolation that you might feel. Social contacts also can advise and encourage you, and they can be a source of information about new job opportunities as well.

Stress can cause very severe health problems and even, in extreme cases, death. You should take the advice of a very suitably qualified health professional if you have any concerns about stress-related illnesses, or if stress is causing you significant or persistent unhappiness.

4. Be Kind to Yourself

It's very important to deal with the emotional disruption of losing your job. It's equally important to look after your physical health by exercising, eating right, and getting lots of sleep .

It's also wise to allow yourself time to unwind if you can afford to do so. Take a short weekend getaway, read a book the book you’ve said you would read, but kept putting it off for later, or spend a few weeks on a home project. Whatever you do, taking time out to absorb the news is important.

Look for any signs that you might be becoming anxious and depressed, such as difficulty concentrating on simple tasks and remembering small details, being overly tired from lack of sleep, and eating out of boredom, and consider seeking help from a professional if you feel that you may be suffering and have trouble coping.

Family members will very likely be affected by your job loss, too. Financial pressures may hurt almost immediately, and family roles may have to change. Your partner may need to find a job or take on more shifts and volunteer overtime, for example.

Children are particularly sensitive to these kinds of problems. Try to help them understand the situation by having a conversation with them about the changes that could be coming, and spend quality, uninterrupted time with them.

5. Restructure Your Situation

In order to move forward, you need to restructure your situation, so that you don't see yourself as a victim or think of losing your job as "the end of the world." Switch your focus from the job that you just lost to the job that you want, and adopt an upbeat, move forward with confidence mindset. That will be important to your success in making a new start.

If you lose your job because you've been let go, try to learn from your past mistakes. Think about the reasons why you were let go. Were you performing to the best of your ability? What could you have done differently? How much of the dismissal was really in your control? Try to be honest with yourself, in order to help you to understand the current situation better and to come up with greater possible outcomes.

Be honest with yourself, and with any prospective new employer. Remember that they might have already been informed about what has happened from someone else. Carefully and humbly explain the reasons for your departure, what you've learned from it, and what you plan to do in the future to avoid repeating it. This may help you rebuild your reputation, as someone who can accept uncomfortable truths and grow from them.

6. Assess Your Goals

Now is a great time to think about what you want to do next. Understand the opportunity to reassess your career goals, discover your values , and figure out your passions and interests. You have the chance to reaffirm what matters to you or to go in a different direction .

If the idea of returning to the exact same sector appeals to you, think about why you were laid off in the first place. Research the industry trends that might affect your future job security? Try avoiding things that might put you back in the exact same situation a few years down the road.

If, however, you enjoy the idea of moving to a new career, try doing a self-assessment to match your skills, values, interests, and personality to new career plans.

7. Create a Plan

Knowing where you want to be is one thing. Figuring out how you'll get there is another. So, you should find a job search strategy.

A job search strategy involves reviewing your strengths and weaknesses. Figure out what skills and expertise you'll need to acquire a new role, and reconnect with your network of friends, associates and former colleagues.

8. Magnify Your Job Hunting Skills

It's always a good idea to break down and revise your cover letter and resumé, so that they're in perfect shape as soon as you need them. Make sure that your resumé is up to date, concise, written clearly, and accurate - because you'll need it to work very hard for you.

Next, turn your attention to better your interview skills and fully research positions that you decide to apply for, that way, you have a better chance to make a great first impression when you go for an interview.

9. Search the Job Ads

While looking for vacancies, vastly search your options and keep an open mind. Use different job search engine sites, local newspapers, business-based social media networks, company websites, employment agencies, and top networking pages.

Widening your search beyond your target profession may open up opportunities in related fields that you may not have considered initially, such as being a radio host, if your previous field was being a news anchor.

10. Keep Being Positive

So you've come through getting laid off. You've dealt with the initial shock, you have put yourself back on your feet, and made a plan to move forward. You're making a come back!

But, however well prepared and optimistic you are now, you can't control everything. It might take much longer than you'd like to acquire your dream job, so try to stay motivated and think positive. All your hard work and effort will eventually pay off.

Main Points

_________________________________________________________________________________________________

Getting laid off can be a devastating experience. However horrible you feel, though, it's crucial to remain calm and act professional, and try to avoid doing anything that might hinder your reputation or integrity.

Although not a priority of your list, but very important, consider creating a cash flow and budget before you resign or retire to understand how to take severance (if offered), how to take the pension (if available) and whether you should relocate for 1-2 years to reach your Rule of 75. IMPORTANT:  If you are laid off or surplussed from AT&T and are rehired within two (2) years after your Termination of Employment, the absence will not be a break in service (See ATT Rehire Article)

Try to avoid becoming publicly frustrated and venting your anger at your managers and colleagues, and whatever happens, try to avoid taking things too personally. Once you've left, never talk negatively about your manager, colleagues, or the company behind their backs, as they may hear about your comments.

Be honest with yourself and others about any and all mistakes that you might have made, and be proactive about trying to learn from them.

Dealing with the emotional fallout, assessing your current situation, and creating a plan for moving forward will enable you to go beyond being fired and on to a more satisfying, rewarding future.

[love-transparentstudentarca-blog]

florida insurance code 989

"florida insurance code 989

florida insurance code 989

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

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I am a 40 yr old female who lives in washington state and I have never been sick or in the hospital and never drank or smoked.I am 4ft11 and 160 lbs so I am overweight.I need help in finding some affordable health insurance.I went down today to apply for washington basic health and they told me that no more applications were being taken.Now what do I do.I cannot afford exspensive Health insurance.I only make 1,200 a month if that.I need insurance so I can get a physical witch I have never had.I haven't been to a doctor since a kid.can someone tell me if there is any good health insurance for under 100 a month that covers things like physicals and if I had a heart attack,stroke ect...please help me find a good insurance for a low price.""

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""The shutdown has cost 22 Billion in 11 days, how much health insurance would that buy?

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Why do life insurance companies often charge different rates for males and females? Who pays more by age, male or female, and why do you think this is so? Come back later and respond to two other classmate's posts and answer any responses to yours.""

Whats the different between Car Insurance and Breakout Cover?

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""How much is the fine when a cop pull you over and dont have licence,insurance and tags!?

My uncle got pull over by a cop and gave him a fine without taking his car away(he got lucky) he didnt have a license or insurance and somebody stole his tag! he's not a resident or a citizen somebody know how much is that fine????he still have to go court but i wonder how much is going to be????

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My in laws are 65 years old and just moved to the US (legally!). Because they are not US Citizens yet, and it will take 5 to 6 years for that to happen, they do not qualify for Medicare. So my question is, is there any affordable option to get healthcare coverage for someone who is over 65 yrs old? Because my husband and I are sponsoring them if they cannot pay for a medical (or any other) bill, they will come after us and we all know how expensive cancer or even a simple surgery can be, needless to say that we are not sleeping well at night! Thanks! Sheila (your love life paramedic) www.slumberpartiesbysheila.com""

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florida insurance code 989

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I need an sr50 and need cheapest insurance in Indpls?

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About how much does motorcycle insurance cost?

and is it more than car?...about...

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""Best insurance for my small business? im 25, non registered business 0-10 jobs per week.?""

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How much would auto insurance be with State Farm for an 18 year old male with a 2006 Mazda 3 hatchback?

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I am selling my car. Somebody comes to view and test drive my car. He doesn't have any car before so no insurance of his own. If he test drive my car and have an accident. What would be the insurance status? (I am on admiral by the way) UK People only Please. Thank you.

How can we get our own health insurance?

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Can i get car insurance at an affordable rate after declaring bankruptcy?

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So I am 19 and currently on my parents car insurance plan still. When I moved out the first time they put a hold on my car insurance because I didn't feel the need to have a car while living downtown. I moved back in with my parents for a few months to look for a new place and I got back on the insurance and now I am about to move out again permanently back to the city but this time I want to take my car with me. I will be changing my primary address and getting a new drivers license for that state (My family is in Indiana and I am moving back to Chicago). I will be going to school full time in that state as well as living there so my question is... does anyone know if I can stay on my parents car insurance if I am no longer living in their home/state?

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Hi! All I had small car accident with a taxi on the Sydney Harbour Bridge 4 month ago. I admited the fault and made a claim to my car insurance company. but they have delayed compensation to the taxi company over 5month. but I didn`t know how it was going on their dealing.. Finally, I have got a letter which is about under managemnt by our local court about our attachment of property and fine. Because the taxi company want get competsation from me. I already pay the payment for that claim and my insurance company agreed to pay the compensaton for. what should I do for my situation. please give me legal advice. Thank you.""

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Question about car insurance?

okay so i was recently in an car accident and my car was a total loss. The accident is not my fault. I received my settlement check for my vehicle after paying my deductible for my insurance company. 2 months later now I received another check from the other insurance company at fault with an attached form stating that the check is for repairing the damages on my vehicle. Is this check safe for me to cash out? Not complaining of getting extra money, but Im just curious why would i get another check when i already got a whole settlement check from my insurance company. Shouldnt the other insurance be paying my insurance company instead? any help would be great.""

""I need to find how much insurance would cost on a dodge charger, tune-up, tires etc including coupons?

what site should i go to..?

florida insurance code 989

florida insurance code 989

""How much, on average, would it cost to get a Thyroid Function Test? (No insurance) Info on Hypothyroidism?""

I was told that I might have Hypothyroidism because of my constant low blood pressure & low body temp. I was reading the symptoms and seem to have the following. Poor muscle tone (muscle hypotonia) Fatigue Cold intolerance, increased sensitivity to cold Depression Constipation Muscle cramps and joint pain Arthritis Thin, brittle fingernails Brittle hair Paleness Dry, itchy skin Weight gain Thinning of the outer third of the eyebrows Low basal body temperature Impaired memory Impaired cognitive function (brain fog) and inattentiveness <-all the time now Migraine headache Sluggish reflexes Anxiety/panic attacks <All the time now Increased need for sleep <All the time now Irritability and mood instability <All the time now Decreased sense of taste and smell Depression (Had <that for years and years now) Could it be the depression & Borderline Personality Disorder causing this or thyroid problems causing the Mental issues? Thanks for any info!""

""If Obamacare is so bad, why is reducing health insurance premiums by 50%?""

New York state residents will be able to get health insurance next year on the Obamacare exchange for half the average price available in the state today. http://money.cnn.com/2013/07/17/news/economy/obamacare-health-insurance-new-york/index.html Contrary to prior claims by conservatives, Obamacare lowers health insurance premiums in California http://www.washingtonpost.com/blogs/wonkblog/wp/2013/05/24/wonkbook-some-very-good-news-for-obamacare/ In fact, in the 9 states that published their 2014 rates, EVERY benchmark plan came in cheaper under Obamacare. http://thehill.com/blogs/healthwatch/health-reform-implementation/306515-obamacare-premiums-lower-than-expected#ixzz2ZQPqwUMT""

What is an average price for mobile home insurance in california ...los angeles?

12 ft. by 50 ft. 0r 20 ft. by 48 ft. and the year matters too if 1970s...1980s...1990s... ? and my age is 50

How much should a teen pay for car insurance (10 pts in 24 hrs!)?

I'm 17 years old, female and will be driving a 2011 Hyundai Sonata. I live in New Jersey and I'm wondering how much it will cost. When I looked for quotes online it said 450 a month. Will this be accurate? I passed my permit test with a 82. Can anyone give me numbers and not 50-500 stuff? And i need to know ASAP Will be picking best answer by the end of today!! thank you. or atleast answer: how much did you pay at 17 info and stuff. Thanks!""

Car insurance and the meaning to it.?

how does exactly car insurance work, when people say are you on his/her policy, premium insurance and so on... i am new to cars in a perspective point i am a new learner towards driving and i want to start learning what these words mean and what they do. if you could analysis the word CAR INSURANCE any specific site where i could learn these words from top to bottom of the meaning car insurance. thank you""

Is there an individual health insurance plan that has bariatric coverage? ?

I need to find insurance that has the following: 1. Bariatric Coverage 2. Out of Network Coverage 3. 60-100% Out of Network Coverage per day Does anyone out there know of one that has all of these features?

Should we switch from Geico to Farmers Insurance?

We moved cross country and a local Farmers insurance agent is perstering us to get our business... she is actually a nice person. The deal we would get here would be cheaper than with Geico, but I had a bad experience with Farmers a long time ago (They were great until I had an accident, then they slapped me with a huge increase in premium. It wasn't even entirely my fault. anybody had good experiences with Farmers Insurance or should I just stay away from them?""

What Insurance company automatically covers anyone who drives your car? What is a cheap insurance company?

I'm tryin 2 get insurance for the 04 stratus that i'm buying, but my rates are high because i'm 18. I heard about an insurance who covers anyone who drives your car, like that i coul mak my dad take it then i'd be able 2 drive it. If you know a cheap company for people my age i'd appreciate it. The company dosnt have to be popular.""

Which car's owner will pay more for car insurance?

Car insurance costs more for cars that can accelerate faster than 10 mph per second. Which car's owner will pay more for car insurance? A. A car that accelerates from 0 to 50 mph in 4.5 seconds. B. A car that accelerates from 0 to 40 mph in 5 seconds. C. A car that accelerates from 0 to 70 mph in 9 seconds. D. A car that accelerates from 0 to 70 mph in 8.5 seconds.

Pittsburgh car (auto) insurance?

Where can I get auto insurance in Pittsburgh? What do you recommend? I bought a car recently and I'd like to find a cheap way to insure it.

How can I find a cheap but good dental insurance?

I need braces so I want orthodontics to be included. I am considering family insurance since it usually isn't much more.

How can I see a doctor without insurance?

I really can't afford to go lately and don't see any foreseeable future in which I could afford it. My job doesn't offer insurance. and I really think I ought to speak with a Dr. about dual diagnosis issues

Should High School Dropouts & Others w/o Insurance be forced to Join the Military ...?

... and to serve their country in exchange for taxpayers taking care of them? Hasn't America forced a lot of citizens to join the military (with good results) over the past 230 ...show more

How much is a sr22 with car insurance for a first offense dui?

Don't bother answering if your just going to tell or give me websites to get a quote on. I want to know if anyone else has had to get a sr22 for first offense dui and how much it cost them or an estimation.

How much is my health/car insurance going to be?

i am a 18 year old girl in california. ive never gotten a ticket or pulled over and i drive a 2010 ford fusion se(4 cyllinder) with all the safety features it offers. i dont think i have bad credit because all i have is a debit card that is attached to my parents accounts and they deposit money in it when i need it. so if i try to go over my limit it doesnt let me. we have triple a insurance and our bank is wells fargo. i dont know if having a job changes the price but ive had 2 other jobs and am currently employed in a new one. ive never been fired only laid off once because i was a seasonal worker and i quit another for not enough hours. all 3 jobs are retail jobs not making more than 9 dollars an hour. also i am a full time student with 12 units in a community college. My parents have basically perfect credit, both of them. does anyone know how much it will be for both health and car insurance if i start paying?""

How many people committed life insurance fraud on 911?

How many people committed life insurance fraud on 911?

How long does a dui on your record affect your car insurance?

ex. I got a dui almost 5 years ago, will an insurance company look at my record from the past 5 years or longer? How many years from your dui do they hold it against you?""

What does it take to commit a minor and how do you afford it if you don't have health insurance?

My uncle and aunt are struggling with my 16 year old cousin who suffers from anorexia and she will go up to 3 weeks without eating anything. I am not kidding she only drinks water and then she will slowly puree some fruit into her water again for about a week or two before she binges for a few days and then goes back to this cycle of starvation. She looks pale and has no energy. Her eyes are sunken in and she hides in her room. My aunt and uncle are immigrants and they don't speak english that well. They don't have a lot of money or health insurance and I have no idea what to do but they are asking me to help! I've never dealt with this type of situation before and I'm just thinking they should call an ambulance and maybe they'll commit her to some state institution? I've been googling this and I come across all kinds of conflicting information. How can she get help in the state of California and is there any way if they are not insured to pay for her treatment? Is there any state aid related to extreme cases of anorexia?

New York Life Insurance question..?

My grandma purchased new york life insurance whenever I was young - once i turned 16 years old I took over and paid the amount. I am now 20 years old and the insurance policy agreement was only for 20 years. I am now not interested in keeping the new york life insurance. What happens if I do not agree to a new policy.. Where does my money go.. Can I get any of my money that I paid into it for 20 years?

Am I already covered under my parents car insurance?

I just bought a car and my parents said they would take care of the insurance so they put my car under there names when I explained I needed to be under it my mom said its too expensive and it fine as long as u have insurance she's wrong right?

Can I remove 17 yr old off my insurance policy if not driving my car at all?

Long story short (hopefully)...My 17 yr old step-son got his license just after his b-day last yr and my husband stupidly bought him an undeserved car (we have had nonstop issues with him for over 2 yrs with his disrespectful and insulting/criticizing attitude, refusing to follow house rules, his very poor, negative and selfish behavior on top of his constant lies and his drug and alcohol use and continues to bring it around my 4 yr old son). Needless to say after receiving 4 tickets under 6 months for either having too many kids in car or driving past allowed hours to be driving because he refuses to follow our rules or the law and feel they do not apply to him. He completely trashed the car, it reeked of cigarettes and pot, we found empty beer cans and other cans used to smoke his pot. We took the car away and cleaned it the best we could and after a few months of him still continuing his behavior and habits we sold the car. He bullies his mom and sister (always has) and took his moms keys and her car from her and will not return it. I know we are legally responsible for him until he turns 18 which isn't too much longer BUT he is getting worse with everything, my husband has given up on him and just lets him come and go as he pleases and do what he wants (he claims he will kick him out on his bday but no one believes him b/c of many past threats not followed through and his kids know it so they continue to play him), I'm told to stay out of it because he isn't my son yet he is still on MY insurance and driving his mom's car while drinking and smoking pot and continuing not to follow the law with his restrictions either. I can't wait for this ungrateful punk to be out of my house. He constantly badmouths all of us with lies to everyone and blames us when things don't go his way. He has always been extremely lazy and does not want to work, he keeps forcing his mom to give him money which she does b/c she claims she is afraid of him, he has NEVER helped with anything around the house, he has already been in trouble a few times with the police as young as 12 when he wouldn't follow skateboarding rules. This kid needs a major attitude adjustment and a kick in the *** but no one will do it and I'm not allowed to say anything to him about anything but I'm so sick and tired of having to keep my mouth shut and watch everything he says and does to his family yet I am to provide insurance for this a@%hole. He's not supposed to be driving anyone's car but he took his mom's and won't give it back to her, he lives with us even though he is NEVER here (DYFS took the kids away from their mom about 4 yrs ago and placed them with us immediately) (oh, the issues have been going on a lot longer than these 4 yrs but not to this degree). By the time we file and the court allowed for emancipation he will be 18 so that is no use. He HAS to live with us until then but I don't want my insurance going up anymore than it has and want him off of it. He refuses to hand over his license too. I am at my wits end with this kid and don't know what else to do. Does anyone have any ideas on any loopholes on how to get him off my insurance? If we force him to stay here he gets violent toward everyone, constantly picks fights with all of us, storms around the house cursing and complaining, slamming everything, purposely makes messes and leaves it until he gets his way and I definitely do not want that behavior around my son. My husband has told him he is no longer a part of our family and it doesn't faze him at all and he just does not care about anyone but himself. Please no criticizing me. I have been his step-mom for almost 10 yrs now and have never been allowed to discipline my husband's kids at all and always told to not get involved in anything b/c they are not my kids yet they both walk all over their dad (and their mom), are spoiled rotten, no responsibilities or chores at all and never any consequences when they do something wrong. For those of you who actually read all of this thank you. Yes, I am venting but really need it and this still is not the whole story but it's too much to go into.""

Do I need to pay insurance if I get my G1 license?

btw im 16...living in Ontario

""What can i do? i am a 20yr old male, living in southern california with no job or insurance?""

i went to the hospital a couple days ago for chest pain, ended up being fine. i got the bill today for 15,000 dollars. like i said i have no insurance or job and currently living with a friend. i do side jobs to pay a little rent and for food. do i qualify for medi cal or CSM? i move from friend to friends house. parents live back in Illinois i have only a brother that lives out here. is their anything i can do to get this bill to go away? i also have no car or own anything of significant value.. no bank accounts.""

What car insurance is cheap for young people?

What car insurance is cheap for young people?

Insurance complaint?

i just insured my car and my previous insurer will not send me my no claims forms for me to show to my new insurance company which is resulting in my insurance going up 500 is there any where i can complain

florida insurance code 989

florida insurance code 989

How much would car insurance be for me?

I'm an 18 year old I'm male. I recently dropped out of high school and I have a 2005 Toyota matrix I live in colorado How much would full coverage be for me on average a month?

Is there some type of dental insurance that is affordable??

I am 38 y/o male who needs to finally look into some dental insurance that is affordable/ I have some teeth that needs to be fix ASAP thanks for your Help Bri

Can my daughter be on my mom's car insurance even if they don't live together?

Hi, my name is Kathy, I'm 19 year old female and want to buy a car but car insurance is just expensive. I want to be put on my grandmothers car insurance but we don't live in the same city. Do you think it would be possible for me to get on there! Thanks for your answers...""

Insurance question (=?

Do people in the UK lie about their age to get a low premium on their car insurance? have you lied or know someone who have? I know a lot of people who said they lie about their age (19 say say're older) and get a lower insurance price, is that possible? PS - quotes for young people are utterly ludicrious due to daft drivers, yeah, but still, roundabout 3000 if below 21 for lads. Cheers for any answers.""

The minimum amount your auto insurance must cover per accident is:?

In California is? A. $15,000; 30,000; 5,000 B. $10,000; $25,000; $5,000 C. $20,000; $25,000; $15,000 D. $5,000; $15,000; $10,000 Thanks!""

What is the actual meaning of Insurance?

A explaination of Insurance?

Is insurance must for Two Wheelers?

I have a four years old Honda Unicorn. Till now I have insurance for my bike. Now if I do not renew the insurance, what are expected problems ? Legally am I bound to have some insurance ?""

What would my annual insurance be on a 2007 Honda Cbr 125?

I just turned 16, recieved my M1, Got a bike (125 cbr), going for my M2 in acouple days. Havent placed insurance on the bike yet. Im wondering what my annual cost will be with low coverage ect (lowest possible)""

Question about my 18 year old and insurance

I have an 18 year old who takes ADHD medication which without insurance costs well over $300 a month. She is not interested in going to college at this point so I'm not sure how much longer I can keep her on my insurance plan. Assuming it takes her awhile to find a job with good insurance does anyone have any suggestions on how to make her medical needs affordable for her?

Best Place to get a Car Insurance Comparison Free Online?

What sites are best for car insurance comparison? I am trying to find a site that has the widest range of quotes and policies so I can pick insurance cover that is right for me, the plan I have that's due to expire soon is terrible and I feel really ripped off. It's just proving really hard to find something affordable and with good quality cover. Has anyone tried a car insurance comparison site that offers quotes from more than just the usual four or five insurance providers?""

My car insurance in RI?

I have car insurance in Rhode Island and my son lives with me. When I went to lower my coverage I found that my son had been included in the policy as a driver. I do not let him drive my car at all and they said that since he is licensed and living with me he is automatically included in the policy. This sounded to me as so much hogwash and I hope that someone can fill me in on this weird rule.

Does vehicle modifications raise insurance?

Things like new Wheels, body kits, engine swaps and etc. Would modifications raise insurance?""

For a 17 year old - how much does a car cost to run each month?

when i pass my test, i don't know whether to a actually buy a car. i'm 17 and if i bought a car, how much would it roughly cost to run including the insurance, maintenance, mot, and everything except for the petrol/diesel. the only problem is, i don't think i actually need the car as i'm at college with a bus pass, but in the summer i want to drive lots of places with friends like go camping etc with a car. i was interesested in renting one as it seems ideal for my wants, but you need to be like 22 to rent. is this true? to anyone who is driving at 17 in the uk - is it worth it or is it too expensive?""

How do i obtain individual short term disability insurance?

I got an offer from a small firm but they do not offer short term disability insurance. I want to have one just incase I get pregnant and need to take a maternity leave so I get paid during the maternity leave. I've called few insurance companies and they dont do individual short term disability insurance? What's my best option? Any ideas? Thanks

5 Day Hold On Insurance Claim Check?

I got my insurance claim check from the USPS [Postal Service] & I Signed The Check Over To My Friend For i Could Use Her Credit Card She Went Into Our Credit Union And They Told Her It Would Be On A 5 Day Hold Which Made no Sense Since All The Security Features On The Checks Are Easy To Verify By Looking At It...Is There A Reason They Put A hold On It?

Does anyone know how much a ticket for no insurance cost in the state of Georgia?

Does anyone know how much a ticket for no insurance cost in the state of Georgia?

Sooooo how much would a 16 year old car cost for car insurance on a 2008 BMW 750i??? (on his dad's plan :D)?

In new york (brooklyn). Thanks!

Minor accident no insurance ?

I got in a minor accident I'm 17 my dad has insurance but I'm not under that insurance the cop showed up and just told me I had court there was no injuries what am I facing ? My car got chipped the other car was only paint scratches

How much less will my car insurance be when I turn 25?

I know you're considered in a lower-risk age bracket so your car insurance will be less but how do insurance companies calculate this reduction?

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

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

How can I see a doctor without insurance?

Hi I'm 18 years old and I have no insurance and no job..I'm really sick my back feels like its on fire and my testicles has been shrinking I also feel like theres bumps on my right testicles..I've also lost 10 pounds in a month due to my sickness I really want to go to the doctors but I can't afford it....also I live in Colorado Springs..

Help with car tax and short term car insurance?

Hi I have a nissan micra which myself and partner are insured on and I intend to sell. I have bought a peguot but the problem is that it needs taxing and to get tax I need to insure it and this is when it gets complicated - The peugot is in Brighton in my parents garage and they plan to drive it upto me in Liverpool. The question is what do I do about the tax and insurance for it as I dont want to cancel or transfer my current insurance on my micra as I need the car until my new one arrives, my dad will also need to be insured to drive it up. PLEASE HELP VERY CONFUSED""

Finding the cheapest health insurance to waive school health insurance?

Hello, My college requires that each and every student have health insurance or else they will put you on the school's health insurance - which costs $500 a semester. I've been trying to find an insurance company/plan that meet the requirements to waiver the school's health insurance. Does anyone know a cheap health insurance company/plan in Colorado that meets these requirements? 1. Outside plan must have an annual deductible of $1,500 or less (if it's a family plan, members must have an individual deductible of $1,500 or less). 2. Outside plan must be a Comprehensive Health Insurance Plan that covers medical care for both Injury and Illness, including outpatient AND inpatient medical services. (Non-Comprehensive policies such as Injury, Diagnosis, Cancer, Hospitalization or Catastrophic only plans DO NOT COMPLY). 3. Outside plan must have Mental Health Care Coverage that includes both inpatient and outpatient benefits that have the following minimum levels: Inpatient -- coverage of at least $10,000 or 45 days, Outpatient -- coverage of at least $1,000 or 20 visits.""

Can you give me any car recommendations?

ok im a 16 year old boy turning 17 next month and my parents are buying me a car.they said that there are some requirements of their own 1.the oldest it could be is a 2005 model(i don't know why) and it needs to be with in our price range which is $10,000 to $20,000.i don't have many requirements just that it needs to have something where i can connect my ipod and phone to the car to play music or make a call and i don't want a honda or toyota because everyone has one of those in my area and at school(sorry if it sounds bratty but it kinda feels weird to me to have a car that most people have in my area). so what are some nice cars in our price range that would be a good first car.also my parents said the insurance cost doesn't matter.""

I totaled my 2010 Mazda 3i how much should I expected from insurance?

I was just squished between two pickup trucks with the driver behind me at fault and having a suspended license. The body shop said the total damage is $13,700 and the insurance company just labelled it a total loss. My car is just over a year old with about 55,000km on it with no prier damage on it. How much should I expect to get back as I am financing the car and cant afford to keep paying if they don't pay it out. ( Canada, Ontario, Ottawa)""

florida insurance code 989

florida insurance code 989

https://www.linkedin.com/pulse/single-premium-life-insurance-quotes-riley-schultz/"

[classycollectorartisanposts-blog]

How do you buy car insurance online if you want to drive your dons vehicle?

"How do you buy car insurance online if you want to drive your dons vehicle?

He has full coverage but I am excluded on his policy because we have the same address.  I no longer have a car so I don't carry insurance anymore but want to be covered if I need to drive my son's car.

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

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How much would your car insurance go up for a o.u.i?

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I'm just coming up to the end of my first year of driving. My insurance is due on the 12th of December. I was quoted 1700 by my current insurer, which obviously, I'm not paying. I've now managed to get an insurance quote from Admiral for 680. My questions are; 1. No Claims Bonus - I'm on track to have 1 years no claims but obviously at the moment I wont have? I want to pay for my insurance ASAP so can I just put 1 years no claims on the form and put the start date as the 12th? 2. Do I need to tell my current insurer I wont be renewing with them? Is there some sort of automatic renewal system in place with car insurance companies? My dad threw the renewal letter out so I have no way to check myself short of ringing the company but I wont be able to do that until Monday and I kinda wanted to buy my insurance now.""

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I'm 24 and at the moment have a fairly low Saxo VTR with a couple of other performance mods, it handles like a dream on nice roads and has good acceleration. It's starting to fall apart with things going wrong left, right and centre, due to French engineering I presume? I have a DR10 on my licence from 4-5 years ago, so my insurance is a bit pricey. I just paid for a year so I can swap it straight over. I'm looking for something as fun to drive as standard and NOT French. Thanks Oh and please spare me the lectures, speed is for safe overtaking and I'm not driving too fast, you're driving too slow!""

How much does health insurance cost?

I am from the UK and I am doing an assignment on whether medicine can be justified to have a price tag. As I have free public healthcare from the country (NHS), and I do not have private healthcare. I would like a guide as to how much health insurance would cost for a child, man, and woman with no health condtions. Please be specific and add more examples if you can.""

Long Term Care Insurance?

Please give me the pros and cons of obtaining long term care insurance. What is the criteria, and who should buy long term care insurance? Conversely, who should not, or who does not need such a policy? What does it cover and what are the variable costs. Also, does it help prevent you from going into a nursing home should that be indicated? Thank you!""

Cheap car insurance with DUI?

I'm really struggling to pay rent along with everything else, and now I have to pay car insurance or else my registration will be suspended. I can barely afford to buy food with my part time job and school. Is there a really cheap car insurance company that accept DUIs? I don't have bad credit and have ALWAYS paid my bills, I just need something relatively cheap or else I have no idea how I am going to stay under a roof with food. I live in northern California if that matters.""

What are my options to get my car back from the insurance company?

I got into an accident about a week ago. the front passenger side was damaged. the insurance company told me today that it was a write off. they wouldn't be able to fix it, which is complete bull. It is a 98 Honda Civic with 200,00 km on it, and they are giving me $2800. What can i possibly do? Can I get my car back and repair it myself (by myself i mean a bodyshop i will take it too out of my own pocket)? What happens in that case? Will they give me any money or would i have to pay them?""

How much is a Car for a 17yo?

How much is a car, insurance, lessons, test, tax etc.... Everything! For a 17 year old Guy. Just for a cheap second hand car ie. Peugeot 106 (second hand) But how much will it all come to? Thanks""

How much does car insurance cost for a 16 yr old in oregon?

i get my license in a few months, what am i looking @ for insurance costs. oregon, age 16, adding to parents insurance, state farm insurance, good grades, drivers ed, a car with no crashes but alot of milage from 1990-2000...under 7k$$. around how much will my insurance per month cost?""

Accidently put wrong date of birth by 3 months on my car insurance?

Iv just accepted a quote online for car insurance without realizing my date of birth is wrong by 3 months, if i tell them to change this should it change the price of my insurance?""

Where can i buy cheap insurance for 13 years olds in Atlanta?

I Have a 13yr old and i need to get Cheap insurance for him to play.

Whats the best way to sell life insurance without being a sleazy salesman?

Whats the best way to sell life insurance without being a sleazy salesman?

Medical insurance for an International student?

hi, I am an international student and am on my OPT now. I haven't been to a doctor in 3 years now and all these years I had an international insurance. Now that it is going to be expire I was thinking to get an insurance. I was thinking to visit a doctor for a general health checkup. I would like to know which insurance would cover my visit to the doctor. I am 24 years old male. Unemployed. Thank you""

What is the point of insurance?

I've just graduated and will be going out into the real world now, and a question I've had for years is why people seem to get insurance? To me it makes more sense to save the money you would have been paying myself instead. Am I wrong here?""

Female teen car insurance cost?

I am 17. I took drivers ed which gives me some discount on my insurance and get good grades. Would this give me a discount? I would like to know how much it would be for me to get insured on my parents insurance as a secondary driver. As well, i will have my own car, but since i am an only child there will be three cars and three people, so can i still be put down as a secondary driver ?""

What is the difference between term insurance and whole life insurance?

What is the difference between term insurance and whole life insurance?

Will my car insurance increase?

I received a ticket for failure to obey street sign, because I went down a closed road. I was wondering will my insurance rates go up because of this? This is my first ticket and have been driving for about 6 years. If I go to traffic school, will it stop the rate from going up? From what I have read online, some people said it does effect and some say no. I have Allstate and live in CA. Any info is much appreciated.""

""I got a wet reckless, and filed the SR-22. What happens if I cancel my insurance?

The California DMV says you have to maintain proof of financial responsibility (car insurance) for 3 years after a license reinstatement after a wet reckless charge. What happens if I cancel my policy and change insurance companies? What happens if I just cancel my policy and just don't choose to drive?

Car insurance 17 year old?

I just passed my test afew days ago and have been looking at insurance. Most insurers won't give me a quote and if they do it's 19k. But i was looking into classic car insurance for a mini and got a quote from adrianflux for 3500 but i was i told i was to young for classic car insurance. I tryed a 1000cc yaris and they would not even quote me. I checked my details twice and there all right. I asked over the phone why there is such a change im price when they have the same size engine and he just said there cheaper to repair n that . and just so it's clear the minii quote was not classic car insurance. So any one know the logic behind this? + any other suggestions about insurance will help.

How much is car insurance?

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Car Insurance Question... Help Please!?

I'm doing my homework and I wanted to figure out to find car insurance on the car of my choice. My car is a 2005 Cadillac CTS for $19,998, I picked it on Carmax. How do I find out how much insurance I must pay? I wanted to know Geico's Quote and Progressive's Quote. Also how do I find out Interest Rate... Somebody PLEASE HELP ME !""

What's a good auto insurance company that has a good rating?

I have four cars.... no tickets or claims in years.. I have insurance now, but I think I am paying too much. Only one of them is driven on a daily basis..... the others very infrequently.""

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My school ask if you have insurance but doesn't clarify if you need it. So I wanna try out for men's volleyball... Which is next season. They ask for you to have a physical exam, and if you are covers or not by insurance. Say if you don't have insurance... Do they take that upon you and fail you in the tryouts? I'm good at the sport, so what if I don't have health insurance?""

How do you know if your auto insurance is full coverage? my car is financed and i'm checking on geico.com?

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How do you buy car insurance online if you want to drive your dons vehicle?

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What happens to your health insurance if you get sick & can't work?

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Auto Insurance?

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How much would a doctors check up be without insurance?

Please excuse my grammar, but I'm a bit panicky. I need to know the cost of a doctors check up in California for a 21 year old man without insurance. My boyfriend has been having some chest pains, and we think he sprained his wrist. I'm so worried about him. He can't afford insurance at the moment, due to the fact that he can barely pay for his college classes and food. I need an estimate from anyone who has been in a similar situation. Thank you so much in advance!!""

""Does anyone realize that by making health insurance mandatory, your insurance premiums will skyrocket?""

just like car insurance premiums have? And when premiums skyrocket, everyone will be moving to the cheaper government run policy. If the government really cared and wanted to bring costs down, they would get out of bed with the specdial interest groups such as malpractice lawyers and PHARMA and reform these things.""

Question about car insurance and theft.?

lets say somebody that has an auto loan gets their vehicle stolen, the insurance will cover the rest of the loan but what happens to the funds the bank has already received for the vehicle?""

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Hello. I am looking for my first car. I am looking at a 2001 mercury cougar not the S series just the 3 door coupe.. Now the qoute gieco gave me was $325.01 a month. I live in Minnesota and I am a 16 year old male. I don't have anything on my record at all. I was wondering if 325.01 a month sounded right because I dont think so. That's like $4,000 a year and the car only costs $5,999. Also would it be better to go on my parents insurance plan with State Farm? Or to get my own? Thank you very much for helping me with advice with this.""

How much will my insurance be?

I only have 90 bucks on me, im buying a 1985 mazda for 700... Im going to go on my parents insurance and my older sister is also on their insure, so they're insurance will be covering 4 cars including mine... Will my insurance be under 90? Any extra payments?""

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How long does it usually take for an insurance company to pay a life insurance claim?

My father-in-law passed away in April 2009. He died of pneumonia. He had a life policy with a large national company. My sister-in-law is the beneficiary. Here it is, almost a year and a half later, and they still have not paid on the claim. I told her to contact the state insurance commission.""

Car insurance quotes?

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Where to find really cheap car insurance?

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My dad has a car with insurance on it, but my name is not on it. Is it legal for me to drive the car? I live in New York City, and I'm not worried about the risk of insurance not covering damages because my name is not on the insurance. I'm responsible 18 year-old and my parents suggest that I just drive the car since putting my name with the insurance would cost a fortune extra. I just need to know if it is legal. Thanks!""

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I want to buy a fairly new 02 or newer used Crotch Rocket. I have had 3 tickets 2 in 2008 & one in 09 for speeding you know 65 in a 50 stuff like that. Well my insurance will only drop from this point as I have driven the Speed Limit Respectively & will continue to. Well I called my State Farm agent about it & they said it would cost over 400$ a month that is WAY TO MUCH How can I buy a bike & save A LOT on insurance whats the best company? Any advice would be appreciated I turn 20 On July 11th. Please help me I am sick of my car I want a BIKE!

Car Rental Insurance?

What happens if you rent a car and decline any coverage? I was told that if you were involed in an accident you would have to make a claim with your own insurance company. What if you don't own a car and thus don't have an insurance company? Are there limits to the amount of responsibility of the renter? I mean if the car is totaled does the renter really have to replace the entire cost of the car out of his pocket as well as damage to the other car and injury to it's occupants? I know i'm not alone in declining insurance. But if I got into an accident I always assumed I would just be responsible for a deductable and not the total amout of damage to the cars and injuries. Serious answers only. I really don't need to hear yes, you need insurance or you're screwed That tells me nothing.""

How much should i pay for insurance premium for an indoor playground business?

How much should i pay for insurance premium for an indoor playground business?

125cc bike or scooter Under 500 and LOW INSURANCE?

Hi im looking to by a bike or scooter that is 125cc for under 500 And has low insurance All suggestions helpfull

High car insurance cost?

why does car insurance cost so much for first time insured? where can i find cheap car insurance that cost less than my car payment?

How much does motorcycle insurance normaly cost?

im 17 and im going to buy a yamaha r6 or a honda cbr600rr this month and im wondering about how much insurance would cost. the website quotes take forever to get so id just like to know how much other bikers pay for their insurance.

How much would car insurance be for me?

I am 18 and I am just now getting my license and a couple weeks later my car. I am not sure if I am going to be under my mother's insurance or get my own, whichever is cheaper. I am not a full time student in college, but I do take a couple classes with a GPA of 4.0 and in high school I had very good grades too. I am female. I have been driving for 2 years, just couldn't get my license until now. How much would insurance be for me car wise? ( I am not sure WHAT kind of car I am getting, just something small with really good gas mileage. I am putting a down payment of $2500 on it and the price of the car will range $4000-$6000)""

Do you have affordable auto insurance?

If not, it may be time to switch to Safe Auto.""

Can i get insurance to drive any car?

My current insurance gives me third party cover on any vehicle i drive with permission from the owner. Can i get full insurance? (i am thinking of setting up a business which would require me driving other peoples cars) THanks

Can I ask my own car insurance to pay?

I was a passenger in my friends car when a tire from a semi ( that drove away and identity is unknown) hit several cars and my back hurts. I want to go to a chiropractor but have no insurance. I don't want to sue the driver or go after the drivers insurance because he is my friend. Can I choose to ask my own insurance company to pay?

How do you buy car insurance online if you want to drive your dons vehicle?

He has full coverage but I am excluded on his policy because we have the same address.  I no longer have a car so I don't carry insurance anymore but want to be covered if I need to drive my son's car.

Can't we make a compromise between all out socialized healthcare and private health insurance?

Can't we do something like give insurance companies tax breaks for covering x amount of people who earn low wages at a sharply reduced price? Or have a smaller government program only for those who cannot afford insurance?

Can I afford the insurance for this car?

I'm 17. I may purchase a 2003 Chevy Cavalier Coupe after I get my g2 next week. I'm wondering what insurance will be like? I know there are many variables, but I'm looking for a ballpark figure. I make about $500-600 a month. Since my parents both own vehicles, I can't go under their insurance as an Ocassional Driver, forcing me to have my own insurance as opposed to being under my parents' name. I can't call for a quote because I dont have my g2 yet :P""

""Are most companies going to switch to Obamacare, for their insurance coverage plans.?""

Are most companies going to switch to Obamacare, for their insurance coverage plans.?""

Car Insurance Help!!!?

I have a Toyota Corolla 2007. About 6 wks ago I got rear ended, the impact sent me over the medium unto uncoming traffic. After all was said and done the car had $6,300 on repairs done. It came out okay but know I have trouble closing the trunk, I really have to slam it and the right side back lights don't really align. I am trying to figure out how much they will give me for devaluation value on the car, I have never done this before I want to make sure I don't get ripped off. Also I am still experiencing back pain from the accident, my primary doctor wants to send me to a chiropractor which my insurance doesn't cover, should the other insurance pay for it? They are not returning my calls, and they just want to offer me $500 for pain and suffering as long as I sing some papers that release the other driver and the insurance from any further responsibility. By the way it was the other drivers fault, she was in her cell phone hit mt at 45 mph from behind and this was her 10th accident in the last 3 mos. Any suggestions?""

Why don't people just buy themselves health insurance?

I am 26 years old and have had a major back surgery. Still I pay just $98/month for my Blue Cross of California PPO health insurance. Why doesn't everyone without insurance just go buy it for themselves instead of buying an Ipod or new cell phone? This would keep the government from rationing health care and having more power over us citizens as well as not forcing some people to pay for others.

How much would I pay for my yearly motorcycle insurance?

Thank you for your time. I am a 18 year old freshman university student living in Canada and I am really interested in buying a new motorcycle. I recently got my M1 and I will be going for my M2 next, so I am still kinda inexperienced. I looked at a few motorcycle websites and a couple of them read that motorcycle insurance is affected by age, experience, driving record, bike engine, etc. I figured that a medium sized engine probably wouldn't cost too much so I looked at a bike with 600cc. I am not worried about the initial cost of the bike since my scholarship money out-pays my tuition and housing by an excess of $4000. Also, I have had no history of accidents in cars or anything. I was wondering, based on my history and my status, what would be a good approximation of the yearly insurance I would have to pay given that I am a student and I am looking at a 600cc bike? Any input is appreciated.""

How much will my car insurance go up?

I am the defendant in and have just settled an automobile lawsuit at $100,000. How much will my car insurance go up?""

Does car insurance increase every time you.?

does your car insurance increase every time yu move or change your address. if so is their away you can lower your rates.

Can I purchase auto insurance without car registration?

Hello guys and gals, I need your helps here, I live in California and I currently own two cars (A and B), car A which I am planning to sell has not been driven in a year (2011-2012), also I did not buy the car insurance for car A since I don't drive it anymore, in this year (2012) after I paid for the car registration renewal fee for car A, I received a letter from California DMW, stated that they were unable to send me a registration card unless I can provide them with evidences of auto insurance for car A, and unfortunately, I lost all the previous registration cards of car A during moves, so in this case, will I be able to purchase auto insurance for car A without showing registration card to the insurance agent but only with Drive's License, VIN number, etc.? Or alternatively, can I use the insurance of car B to complete registration renewal for car A? Thank you in advance.""

What are some reasons why someone would need permanent life insurance?

I dealt with over 150 clients in my career and haven't found a single reason why someone would need permanent life insurance. All my clients have term insurance b/c I don't see why anyone would need life insurance forever. I believe someone needs life insurance at the time when they need it most, which is when they have little savings and lots of debt to pay (such as a mortgage). While I protect the client's income with term life insurance, I also help them save money for retirement by opening IRAs and/or variable annuities or tax-exempt mutual funds. For kid's education, I use either a 529 Plan, Coverdell, or UGMA. For estate planning, I setup trust funds.""

What happens if you don't pay your car insurance?

how important is it every month to pay your car insurance? what could happen if you don't

""Any opinions on good home insurance companies in Anchorage, AK?""

Just shopping around for good home insurance. Currently have accepted offer for our first home, and want to get the best home insurance rates.""

I got a court date for not having a car insurance and I was cought in a parking lot?

Hi guys well I was cought by a cop cause my temp pleate was expired and did not have an insurance and I got these two ticket in a mall parking lot here is how the police saw me ( my car was parked in a parking near the minestry office from the past 2 weeks and I just went to start the car so the battery don't run out of charge, and just on the other side of this parking lot there was a coffe shop on the other side of the road which is a mall aria but to get there I had to cross a main road which Im guessing is a 50 meters crossing, so ofcorse the officer saw me on the main road and I turned in the parking lot and he stoped me there) so any one there can help me out how to get out of this mess I have asked some lawers they told me they can help me out but the fees they are charging is realy big please help""

Assurant health insurance or Humana One?

Which do you think is better? I'm looking into high deductible insurance..And can't decide between the 2..And what about dental? How is basic dental compared to discpunt dental if I know I am going to need some work done (i.e. cavities and wisdom teeth are all grown in-i want them out)...Any input would be appreciated.

How much is classic car insurance in Ontario?

Hi, I'm looking at making a car purchase for the summer. I'm looking at a couple cars, including a '72 Dodge Dart and a '69 (?) Chevy Nova. I like both because they are, a) under $2000 dollars, b) are both in need of some TLC, and c) I've heard that classic car insurance CAN be cheaper than regular insurance. I'm 20 with a perfect driving record and a full G-license, but I know that doesn't usually matter to insurance companies. Any advice? I'd be buying for a daily driver, so is it even worth the effort despite the serious increase in cool-factor?""

Does anyone have health insurance anymore?

Anyone? *chirp chirp chirp... I don't think many people do.

Does insurance compaines cover the person or the car at fault?

The girl that parks right next to me in my apartment swiped the side of my car. she is now claiming her friends park her car sometimes, but she knows she didn't hit my car. Personally her car is her responsibility and I feel like even if a friend of hers was parking when the incident happend, she is responsible for damages because its her car. Would she be responsible? Can I take her to court if she doesn't have insurance? And if she does have insurance would they cover this? I also have good pics.""

Do i have to pay insurance on a car if its not being driven?

my mom is buying me a car. I have my permit and I get my liscense in May but I want the car now. My mom says that she doesnt want to have to pay insurance on the car and just have it sit there, but I really want it so I can sit in it and show it off to my friends, who all have cars. if noone is driving the car, does there need to be insurance on it? she said that it does because what if someone were to hit it while it was parked on the street. also, does it have to have a liscense plate and can i get all that stuff without having to get insurance? i wanna get it now and then convince her to get insurance and let me drive it. it will be easier to convice her if i already have the car. the car i want is a manual but she wants me to practice in her automatic because thats the car im using for the test. im tired of driving her car and i want to drive my own, especially because its a stick.""

Where should i look to get the proper licensing to be able to sell car insurance in the state of california?

Where should i look to get the proper licensing to be able to sell car insurance in the state of california?

Car Insurance/homeowners insurance?

Is Response Insurance a good company? I'm looking to lower my current rates with American Family. Response gave me some really good rate quotes.

We were just in a no fault car accident and we're uninsured?

How should we proceed? Our Insurance has been canceled and we were just hit by another driver while driving. I have heard that you have less of a claim when you're uninsured even if you're not at fault, but I just wanted to get some advice... Can anyone help?""

How much would insurance be?

how much would insurance be for a mustang convertible perhaps 90's-2002 no more than 2003. the car is around 6 grand im thinking it would be about 3k a year but i don't know. i get bad grades i get about 150 a week at my job. when i bye the car i will be about 18 years old

How do I find past articles. The 1 about cheap car insurance spacificaly?

my email account is freeme1969@yahoo.com

Will my speeding Ticket affect my insurance rates?

I live in Iowa, I am 17 years old, and I just got a speeding ticket from a state trooper for going 84mph in a 65 zone. I am insured with State Farm and have no history of any accedents or tickets. Right now I am recieving the good students discount and the safe driver discount and I was woundering if this would affect my insurance rates on a 1996 Mercedes-Benz black with aproximately 210,000 miles. Thanks""

First time driver (18 years old) how much should I pay for car insurance?

I've got my test booked in a few days (fingers crossed) and I've been looking at cars and still haven't decided... I need a few ideas on what would be cheapest to insure. However I am slightly picky and do not want to be driving around in a hundred year old baked bean can!! If people who are a similar age can just tell me what they drive and how much they paid for their insurance it would be very helpful! Or if people could just give me some ideas on cars and stuff it would be muchos appreciated! Thanks!

How do you buy car insurance online if you want to drive your dons vehicle?

He has full coverage but I am excluded on his policy because we have the same address.  I no longer have a car so I don't carry insurance anymore but want to be covered if I need to drive my son's car.

Auto Insurance question not my car?

my uncle just bought a 2010 civic coupe and hes letting me drive it, can i add to my uncle car to my insurance if its not my car""

Why car insurance cards come in pair?

Just wondering why insurance identification cards come in pair? Anyway? ^_^ T.Y.

Does anyone know a reliable and affordable car moving company?

I need to transport my car from Wisconsin to California. I would like it to get there safely and not have it break my bank. Has anyone else used a car shipping service that they recommend?

Whats some good cheap car insurance?

I have full coverage on my car and its costing me a butt load of money, i have state farm. Does anyone know of any good insurance companies?""

Would you say my insurance is going to right my car off......?

i had a crash the other day where i got hit in the passanger side door and the car then bounced up an fell down on a high curb aon the drivers side. so after everything was sorted out i drove it home. the insurance have said it was my fault anyway. so i have got a fiat punto evo 60 plate, 4500 miles on clock 3 door. it cost me in april 10,995 to buy. So its been in a body shop got an estimate of 5300 to fix it and i have an excess of 1150. The body shop thinks its going to be a right off?? i am just wondering what your veiws are? thanks""

Mustang Car Insurance?

I am wondering what cost more to insure, a 2000 Ford Mustang Red v6 or a 2003 Chevy Silverado 2500HD reg cab. V8 For a 16 year old driver?""

How much will car insurance cost?

i know you cant exactly guess the costs but can you give me an estimate? i live in va im 17 years old i have 3.81 GPA i am a female how much does it cost a teenager each month?

Anyone know any cheap car insurance?

Im just trying to save a little money.

How much money will the insurance pay for a stolen car?

Someone stole a family member car. The car is a total lost. How much will the insurance pay for the car. Is a Honda Civic 2006.....if i go to Edmund.com, or one of those sites I saw the car is worth about 12,000 dollars....... How will he know how much money he will get from the insurance company...thanks..bye""

Where can I shop for health insurance?

I need to purchase health insurance for my family. Where do I go or who should I call?

Cheapest Car Insurance?

Hello everyone, so I had a talk with my father today and he told me as soon as he's done paying off my car, he's putting it under my name and I will have to pay the insurance. When I first received my driving license I did receive two citations for speeding. I don't know if that will play a roll ? Since I was 15 at the time. Anyway we currently have progressive which to me seems like they are too expensive for a college student I was wondering what insurance many of you have had luck with and still at an okay budget. I'm 18 years old, so I'm sure it will be expensive. My car is a 2008 Pontiac g6 4 door sedan I've had two citations. And that's about it ...can someone give me kind of a price range estimate for different car insurance companies in Florida ? If that makes a difference? And about how much I should expect to pay a month or for a six month policy? I know right now my dad paid almost 1200 for a six month policy on my car, but thats on his insurance and for being a diamond member. Thankyou all in advance.""

Whats the best way to cancel my car insurance?

Iv had my car insured fully come with Halifax since the 28th Dec and iv already paid around 450 on the policy but as they will not give me any sort of discount on to add my new car on the policy I want to cancel it but they want me to pay another 300 to cancel it, its only been insured for a month and I agreed to pay 1600 per year and they want nearly half of it, would it affect future insurance if I just cancelled it anyway?""

Does car insurance get cheaper after my teen years?

I'm am a 16yr male and car insurance is ridiculous. I asked some of my friends, ages 19-21, at work how much their insurance is and they said it isn't too bad. What's the average cost? I don't want to go through insurance websites and get quotes, blah blah blah. Thanks""

What is the cheapest auto insurance company?

looking for a very affordable auto insurance quote/payment per month. Anyone knows? please and thank you.

Indiana resident buy car insurance in Chicago?

I go to college in Indiana and hold an Indiana license. I'm working in Chicago this summer and thinking about buying an affordable used car here since there are way more options in the city. I'll go back to Indiana in the fall and would like to register the car as an Indiana one. Since I can't drive the car without an insurance, I wonder if I can buy insurance here in Chicago and still register it as an Indiana car? Thanks a lot.""

Where can I find affordable health insurance?

My husband and I are both self-employed and need to find affordable health insurance. Neither of us has any pre-existing conditions, and are in good health, but we'll be trying for a baby w/in the year. I have no idea where to even start looking!!!""

Dodge Charger and Insurance?

My son turn 17 last week and got his license, how much would insurance be a year if i bought him a 2008 Dodge Charger in Black fully loaded.If your going to answer don't say if your buying him that then you don't need to worry bout the price of insurance cause I'm not pay 8,000 a year for it""

How much would a BMW 325i be on insurance??? 16 year old?

Hi. I am 16... I will be 17 in september.. but I know insurance won't go lower for us until we turn 25... :( anyways! i want to get a BMW 325i cause i LOVE that car. But im willing to pay for the car but wondering how much insurance would be on it??? Like maybe for a 2001 bmw 325i cause i like that model.. i like the models up also but it will be more money and would it be more money for insurance for a newer car??? PLEASE help me !!!! I need to no. OH and ps. I live in canada, ontario - HAMILTON !!!!""

Auto Insurance Company?

How long dose it take for your insurance company to paid lost wages. Do they paid lost wages once a month or every two weeks,also in the state of michigan how much can you receive for lost wages.""

""How much is Insurance on Fireworks up to $2,000,000.00 in Maine?""

Thinking about opening up a Fireworks shop and want to know how much I'm looking at a year for insurance need a policy with the min $2,000,000.00.""

Insurance for new baby/family?

I'm newly pregnant - 6weeks. The boyfriend - of 5 yrs - & I were talking yesterday at my prenatal appt & he brought up insurance. The baby's due in early july 2009. He has Blue Cross Blue Shield. I have Aetna. I know that, over here in Virginia, Medicaid is completely free & they will automatically give a pregnant woman insurance thru them. I'm not sure where to go w/ insurance as far as our first baby goes. Do we keep our separate insurances & just add each other & the baby? Do we drop both & get Medicaid? Well, that would only cover me & the baby, I believe. What to do? THANKS!""

Do you need insurance for a driver's permit?

I'm hearing different things from all different places and rather than sifting through all of the crap at the dmvedu website I thought I'd ask you guys and get a straight answer. Do I need insurance to get my permit, or just for my liscense? I live in California, by the way, if that makes any difference with the law.""

16 yr old..car insurance rate?

I am a 16 (almost 17) year old girl. I just finished all of my hours/behind the wheel/drivers ed. I would not be the primary driver and I would not have my own car. I am an honors student with pretty decent grades. About how much money would it be for me to get car insurance?

Can you get cheaper car insurance when hiring from a car rental place?

Can you get cheaper car insurance when hiring from a car rental place?

""I am moving from NJ to FL, what steps do i take to get florida plates, insurance, and registration?

I have a 2010 Hyundai Elantra. Which do i do first? What are the fees for each?

How do you buy car insurance online if you want to drive your dons vehicle?

He has full coverage but I am excluded on his policy because we have the same address.  I no longer have a car so I don't carry insurance anymore but want to be covered if I need to drive my son's car.

https://www.linkedin.com/pulse/quote-me-happy-car-insurance-phone-number-mia-ogden/"

[themoneybuff-blog]

A brief history of U.S. homeownership

During the month of May at Get Rich Slowly, were going to turn our attention to home and garden topics. To start, I want to take a brief look at the history of the U.S. housing market. Some folks might find this dry. I think its fascinating. Private land ownership is baked into the U.S. culture and Constitution. Its part of the material plenty we expect from the American Dream. For most Americans, homeownership implies success and freedom and wealth. But for a long time, homeownership was the exception rather than the rule. Only farmers were likely to own land and a house during the countrys early days. With the coming of the Industrial Revolution, homeownership became more common for urban dwellers. Still, less than half of all Americans owned their homes until the late 1940s. Heres how U.S. homeownership rates of changed over the past 128 years according to the U.S. Census Bureau and the Federal Reserve Bank of St. Louis:

The current U.S. homeownership rate as of January 2018 is 64.2%. Im sure you could write a doctoral thesis on the reasons for the growth of homeownership over time. Im not going to do that. After several hours of research into the history of mortgages and the real-estate industry, I feel like we can summarize everything in a few paragraphs. This article which is information-only will serve as background for future Get Rich Slowly discussions about homeownership. In the Beginning During the 1800s, most folks had no way to own a house. They didnt have the lump sum required to make the purchase, and banks wouldnt lend money for average people to buy homes. Mortgages didnt become common until the U.S. banking system was stabilized following the National Bank Acts of the 1860s. After this reform, banks began to experiment with lending money for homes, and by the 1890s, mortgages were popular across the U.S although not precisely as we know them today. A typical mortgage in the early 1900s might have a term of five years and require a 50% down payment. Plus, they were usually structured with interest-only monthly payments and a balloon payment for the entire principal at the end of the term. Borrowers could (and did) renegotiate their loans every year. Compare this to modern mortgages, which usually have 30-year terms and require a down payment of only five to twenty percent. (I bought my first home in 1993 with a down payment of less than one percent!)

These early mortgages worked fine until the Great Depression. When that crisis hit, banks had no money to lend and the average borrower had no cash either. As a result, potential homeowners couldnt afford to buy, and many existing homeowners defaulted. (At one point during the 1930s, nearly 10% of all homes were in foreclosure!) Note: This article originally appeared at Money Boss in April 2016. Ive updated text-based stats through 2018, but graphics-based data is two years old. However, nothing material has changed in the past 24 months. Bubbles and Booms To stabilize the housing market, the U.S. government created the Home Owners Loan Corporation in 1933, the Federal Housing Administration in 1934, and the Federal National Mortgage Association (now Fannie Mae) in 1938. These institutions helped to arrest the housing crash and, eventually, spur homeownership to new heights. But it was the G.I. Bill of 1944, which provided subsidized mortgages for World War II veterans, that changed the face of the housing industry and the American economy. From encyclopedia.com: The GI Bills mortgage subsidies led to an escalated demand for housing and the development of suburbs. One-fifth of all single-family homes built in the 20 years following World War II were financed with help from the GI Bills loan guarantee program, symbolizing the emergence of a new middle class. As homebuying became more common (and more complicated), real-estate brokers helped sellers find buyers for their homes. The National Association of Real Estate Boards adopted the term Realtor in 1916. As the housing market boomed during the 1940s and 1950s, so did the real-estate profession. By 1950, for the first time in American history, more than half of all Americans owned their homes. As demand for housing increased, so did prices. For 25 years, Yale economics professor Robert Shiller has tracked U.S. home prices. He monitors current prices, yes, but hes also researched historical prices. Hes gathered all of this info into a spreadsheet, which he updates regularly and makes freely available on his website. This graph of Shillers data (through January 2016) shows how housing prices have changed over time:

Shillers index is inflation-adjusted and based on sale prices of existing homes (not new construction). It uses 1890 as an arbitrary benchmark, which is assigned a value of 100. (To me, 110 looks like baseline normal. Maybe 1890 was a down year?) As you can see, home prices bounced around until the mid 1910s, at which point they dropped sharply. This decline was due largely to new mass-production techniques, which lowered the cost of building a home. (For thirty years, you could order your home from Sears!) Prices didnt recover until the conclusion of World War II and the coming of the G.I. Bill. From the 1950s until the mid-1990s, home prices hovered around 110 on the Shiller scale. For the past twenty years, the U.S. housing market has been a wild ride. We experienced an enormous bubble (and its aftermath) during the late 2000s. It looks very much like were at the front end of another bubble today. As of December 2017, home prices were at about 170 on the Shiller scale. What caused the housing bubble during the last decade? And whats feeding the current buying frenzy? Thats a great question, and its open to debate. Some folks blame loose lending standards. Some blame a lack of government oversight. Some blame real-estate speculators. Some blame the American propensity for consumption. Some blame cheerleading from the real-estate industry. Me? I think its a little of everything.

Bigger Everything! Naturally, increased home prices and increased ownership rates brought increased mortgages. During the past fifty years, long-term mortgages with large balances became more common until now theyre the standard. Between 1949 and the turn of the twenty-first century, mortgage debt relative to total income of the average household rose from 20% to 73%, and from 15% to 41% relative to total household assets. One reason mortgage sizes have increased is that housing sizes have increased. According to the U.S. Census Bureau, the median size for a new home built in 1973 was 1525 square feet. By 2016, that number had jumped to 2422 square feet. In those forty years, kitchen sizes have doubled, ceilings have risen more than a foot, and bedrooms have grown by more than 50 square feet. But home sizes are ballooning even as households are shrinking! The average household had 2.9 people in 1973. In 2016, the average household had 2.5 people. Lets run the numbers: Forty years ago, we had 526 square feet of living space per person; today, we have 969 square feet of living space per person. To me, this seems crazy. Why do we need such huge houses? Whats the point? And do homeowners truly consider the costs when they choose to buy big? A larger home doesnt just carry a larger purchase price. It costs more to maintain. It costs more to light, to heat, and to furnish. For too many people, big homes are the destroyer of dreams. (Im not joking. I truly believe this.) Full disclosure: In the past, Ive been guilty of pursuing home-size inflation myself, although I eventually came to see the error of my ways. My first house (purchased in 1993) had 1383 square feet. My second house (purchased in 2004) had 1814 square feet. That was peak bigness for me. The condo I sold last year had 1547 square feet. And the house we moved into last July has 1235 square feet. I think about 1000 square feet is ideal, but Kim likes having the extra room. Im not saying you should live in a shack. Nor am I suggesting everyone should own a tiny home. But I believe its important to be logical when it comes to housing. Remember that size comes with a price. If you need the space, buy it. If you dont, youre better off saving your money for something else. The Bottom Line Housing is by far the largest expense in the typical budget. According to the U.S. governments 2016 Consumer Expenditure Survey, the average American family spends $1573.83 on housing and related expenses every month. Thats more than they spend on food, clothing, healthcare, and entertainment combined! Here at Get Rich Slowly, Im adamant that one of the best ways if not the best way to improve your cash flow is by cutting your costs on housing. Remember, your goal is to manage your financial life as if you were managing a business. If you were looking to balance the budget at a company you owned, you wouldnt do it by trying to trim the small expenses. No, youd tackle your biggest expenses first. If you reduce your labor costs by 5%, for instance, you might be able to save $50,000 per year. But saving 5% on office supplies would probably only save you $50 per year. The same principle applies in your personal life. If the typical American household cut their grocery budget by 5%, theyd save only $200 per year. If they cut housing by 5%? Well, theyd save $900 per year. So why do so many people put so much effort into clipping coupons while continuing to shell out for more home then they can afford (or need)? Good question. In the weeks ahead, Im going to explore different pieces of the housing equation. When does it make sense to rent? When does it make sense to buy? Is it better to prepay your mortgage or to keep it forever? How can you determine how much home you can afford? If you have a specific question about housing and money, please let me know! https://www.getrichslowly.org/homeownership/

[andrewdburton]

A brief history of U.S. homeownership

During the month of May at Get Rich Slowly, we’re going to turn our attention to home and garden topics. To start, I want to take a brief look at the history of the U.S. housing market. Some folks might find this dry. I think it’s fascinating.

Private land ownership is baked into the U.S. culture and Constitution. It’s part of the material plenty we expect from the American Dream. For most Americans, homeownership implies success and freedom and wealth.

But for a long time, homeownership was the exception rather than the rule. Only farmers were likely to own land and a house during the country’s early days. With the coming of the Industrial Revolution, homeownership became more common for urban dwellers. Still, less than half of all Americans owned their homes until the late 1940s.

Here’s how U.S. homeownership rates of changed over the past 128 years according to the U.S. Census Bureau and the Federal Reserve Bank of St. Louis:

The current U.S. homeownership rate as of January 2018 is 64.2%.

I’m sure you could write a doctoral thesis on the reasons for the growth of homeownership over time. I’m not going to do that. After several hours of research into the history of mortgages and the real-estate industry, I feel like we can summarize everything in a few paragraphs. This article — which is information-only — will serve as background for future Get Rich Slowly discussions about homeownership.

In the Beginning

During the 1800s, most folks had no way to own a house. They didn’t have the lump sum required to make the purchase, and banks wouldn’t lend money for average people to buy homes. Mortgages didn’t become common until the U.S. banking system was stabilized following the National Bank Acts of the 1860s.

After this reform, banks began to experiment with lending money for homes, and by the 1890s, mortgages were popular across the U.S — although not precisely as we know them today.

A typical mortgage in the early 1900s might have a term of five years and require a 50% down payment. Plus, they were usually structured with interest-only monthly payments and a balloon payment for the entire principal at the end of the term. Borrowers could (and did) renegotiate their loans every year.

Compare this to modern mortgages, which usually have 30-year terms and require a down payment of only five to twenty percent. (I bought my first home in 1993 with a down payment of less than one percent!)

These early mortgages worked fine until the Great Depression. When that crisis hit, banks had no money to lend — and the average borrower had no cash either. As a result, potential homeowners couldn’t afford to buy, and many existing homeowners defaulted. (At one point during the 1930s, nearly 10% of all homes were in foreclosure!)

Note: This article originally appeared at Money Boss in April 2016. I’ve updated text-based stats through 2018, but graphics-based data is two years old. However, nothing material has changed in the past 24 months.

Bubbles and Booms

To stabilize the housing market, the U.S. government created the Home Owners’ Loan Corporation in 1933, the Federal Housing Administration in 1934, and the Federal National Mortgage Association (now Fannie Mae) in 1938. These institutions helped to arrest the housing crash and, eventually, spur homeownership to new heights.

But it was the G.I. Bill of 1944, which provided subsidized mortgages for World War II veterans, that changed the face of the housing industry and the American economy. From encyclopedia.com:

The GI Bill’s mortgage subsidies led to an escalated demand for housing and the development of suburbs. One-fifth of all single-family homes built in the 20 years following World War II were financed with help from the GI Bill’s loan guarantee program, symbolizing the emergence of a new middle class.

As homebuying became more common (and more complicated), real-estate brokers helped sellers find buyers for their homes. The National Association of Real Estate Boards adopted the term Realtor in 1916. As the housing market boomed during the 1940s and 1950s, so did the real-estate profession.

By 1950, for the first time in American history, more than half of all Americans owned their homes. As demand for housing increased, so did prices.

For 25 years, Yale economics professor Robert Shiller has tracked U.S. home prices. He monitors current prices, yes, but he’s also researched historical prices. He’s gathered all of this info into a spreadsheet, which he updates regularly and makes freely available on his website.

This graph of Shiller’s data (through January 2016) shows how housing prices have changed over time:

Shiller’s index is inflation-adjusted and based on sale prices of existing homes (not new construction). It uses 1890 as an arbitrary benchmark, which is assigned a value of 100. (To me, 110 looks like baseline normal. Maybe 1890 was a down year?)

As you can see, home prices bounced around until the mid 1910s, at which point they dropped sharply. This decline was due largely to new mass-production techniques, which lowered the cost of building a home. (For thirty years, you could order your home from Sears!) Prices didn’t recover until the conclusion of World War II and the coming of the G.I. Bill. From the 1950s until the mid-1990s, home prices hovered around 110 on the Shiller scale.

For the past twenty years, the U.S. housing market has been a wild ride. We experienced an enormous bubble (and its aftermath) during the late 2000s. It looks very much like we’re at the front end of another bubble today. As of December 2017, home prices were at about 170 on the Shiller scale.

What caused the housing bubble during the last decade? And what’s feeding the current buying frenzy? That’s a great question, and it’s open to debate. Some folks blame loose lending standards. Some blame a lack of government oversight. Some blame real-estate speculators. Some blame the American propensity for consumption. Some blame cheerleading from the real-estate industry. Me? I think it’s a little of everything.

Bigger Everything!

Naturally, increased home prices and increased ownership rates brought increased mortgages. During the past fifty years, long-term mortgages with large balances became more common until now they’re the standard.

Between 1949 and the turn of the twenty-first century, mortgage debt relative to total income of the average household rose from 20% to 73%, and from 15% to 41% relative to total household assets.

One reason mortgage sizes have increased is that housing sizes have increased.

According to the U.S. Census Bureau, the median size for a new home built in 1973 was 1525 square feet. By 2016, that number had jumped to 2422 square feet. In those forty years, kitchen sizes have doubled, ceilings have risen more than a foot, and bedrooms have grown by more than 50 square feet.

But home sizes are ballooning even as households are shrinking! The average household had 2.9 people in 1973. In 2016, the average household had 2.5 people. Let’s run the numbers: Forty years ago, we had 526 square feet of living space per person; today, we have 969 square feet of living space per person.

To me, this seems crazy. Why do we need such huge houses? What’s the point? And do homeowners truly consider the costs when they choose to buy big? A larger home doesn’t just carry a larger purchase price. It costs more to maintain. It costs more to light, to heat, and to furnish. For too many people, big homes are the destroyer of dreams. (I’m not joking. I truly believe this.)

Full disclosure: In the past, I’ve been guilty of pursuing home-size inflation myself, although I eventually came to see the error of my ways. My first house (purchased in 1993) had 1383 square feet. My second house (purchased in 2004) had 1814 square feet. That was “peak bigness” for me. The condo I sold last year had 1547 square feet. And the house we moved into last July has 1235 square feet. I think about 1000 square feet is ideal, but Kim likes having the extra room.

I’m not saying you should live in a shack. Nor am I suggesting everyone should own a tiny home. But I believe it’s important to be logical when it comes to housing. Remember that size comes with a price. If you need the space, buy it. If you don’t, you’re better off saving your money for something else.

The Bottom Line

Housing is by far the largest expense in the typical budget. According to the U.S. government’s 2016 Consumer Expenditure Survey, the average American family spends $1573.83 on housing and related expenses every month. That’s more than they spend on food, clothing, healthcare, and entertainment combined!

Here at Get Rich Slowly, I’m adamant that one of the best ways — if not the best way — to improve your cash flow is by cutting your costs on housing.

Remember, your goal is to manage your financial life as if you were managing a business. If you were looking to balance the budget at a company you owned, you wouldn’t do it by trying to trim the small expenses. No, you’d tackle your biggest expenses first.

If you reduce your labor costs by 5%, for instance, you might be able to save $50,000 per year. But saving 5% on office supplies would probably only save you $50 per year.

The same principle applies in your personal life. If the typical American household cut their grocery budget by 5%, they’d save only $200 per year. If they cut housing by 5%? Well, they’d save $900 per year. So why do so many people put so much effort into clipping coupons while continuing to shell out for more home then they can afford (or need)? Good question.

In the weeks ahead, I’m going to explore different pieces of the housing equation. When does it make sense to rent? When does it make sense to buy? Is it better to prepay your mortgage or to keep it forever? How can you determine how much home you can afford?

If you have a specific question about housing and money, please let me know!

The post A brief history of U.S. homeownership appeared first on Get Rich Slowly.

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A brief history of U.S. homeownership

New Post has been published on http://foursprout.com/wealth/a-brief-history-of-u-s-homeownership/

A brief history of U.S. homeownership

During the month of May at Get Rich Slowly, we’re going to turn our attention to home and garden topics. To start, I want to take a brief look at the history of the U.S. housing market. Some folks might find this dry. I think it’s fascinating.

Private land ownership is baked into the U.S. culture and Constitution. It’s part of the material plenty we expect from the American Dream. For most Americans, homeownership implies success and freedom and wealth.

But for a long time, homeownership was the exception rather than the rule. Only farmers were likely to own land and a house during the country’s early days. With the coming of the Industrial Revolution, homeownership became more common for urban dwellers. Still, less than half of all Americans owned their homes until the late 1940s.

Here’s how U.S. homeownership rates of changed over the past 128 years according to the U.S. Census Bureau and the Federal Reserve Bank of St. Louis:

The current U.S. homeownership rate as of January 2018 is 64.2%.

I’m sure you could write a doctoral thesis on the reasons for the growth of homeownership over time. I’m not going to do that. After several hours of research into the history of mortgages and the real-estate industry, I feel like we can summarize everything in a few paragraphs. This article — which is information-only — will serve as background for future Get Rich Slowly discussions about homeownership.

In the Beginning

During the 1800s, most folks had no way to own a house. They didn’t have the lump sum required to make the purchase, and banks wouldn’t lend money for average people to buy homes. Mortgages didn’t become common until the U.S. banking system was stabilized following the National Bank Acts of the 1860s.

After this reform, banks began to experiment with lending money for homes, and by the 1890s, mortgages were popular across the U.S — although not precisely as we know them today.

A typical mortgage in the early 1900s might have a term of five years and require a 50% down payment. Plus, they were usually structured with interest-only monthly payments and a balloon payment for the entire principal at the end of the term. Borrowers could (and did) renegotiate their loans every year.

Compare this to modern mortgages, which usually have 30-year terms and require a down payment of only five to twenty percent. (I bought my first home in 1993 with a down payment of less than one percent!)

These early mortgages worked fine until the Great Depression. When that crisis hit, banks had no money to lend — and the average borrower had no cash either. As a result, potential homeowners couldn’t afford to buy, and many existing homeowners defaulted. (At one point during the 1930s, nearly 10% of all homes were in foreclosure!)

Note: This article originally appeared at Money Boss in April 2016. I’ve updated text-based stats through 2018, but graphics-based data is two years old. However, nothing material has changed in the past 24 months.

Bubbles and Booms

To stabilize the housing market, the U.S. government created the Home Owners’ Loan Corporation in 1933, the Federal Housing Administration in 1934, and the Federal National Mortgage Association (now Fannie Mae) in 1938. These institutions helped to arrest the housing crash and, eventually, spur homeownership to new heights.

But it was the G.I. Bill of 1944, which provided subsidized mortgages for World War II veterans, that changed the face of the housing industry and the American economy. From encyclopedia.com:

The GI Bill’s mortgage subsidies led to an escalated demand for housing and the development of suburbs. One-fifth of all single-family homes built in the 20 years following World War II were financed with help from the GI Bill’s loan guarantee program, symbolizing the emergence of a new middle class.

As homebuying became more common (and more complicated), real-estate brokers helped sellers find buyers for their homes. The National Association of Real Estate Boards adopted the term Realtor in 1916. As the housing market boomed during the 1940s and 1950s, so did the real-estate profession.

By 1950, for the first time in American history, more than half of all Americans owned their homes. As demand for housing increased, so did prices.

For 25 years, Yale economics professor Robert Shiller has tracked U.S. home prices. He monitors current prices, yes, but he’s also researched historical prices. He’s gathered all of this info into a spreadsheet, which he updates regularly and makes freely available on his website.

This graph of Shiller’s data (through January 2016) shows how housing prices have changed over time:

Shiller’s index is inflation-adjusted and based on sale prices of existing homes (not new construction). It uses 1890 as an arbitrary benchmark, which is assigned a value of 100. (To me, 110 looks like baseline normal. Maybe 1890 was a down year?)

As you can see, home prices bounced around until the mid 1910s, at which point they dropped sharply. This decline was due largely to new mass-production techniques, which lowered the cost of building a home. (For thirty years, you could order your home from Sears!) Prices didn’t recover until the conclusion of World War II and the coming of the G.I. Bill. From the 1950s until the mid-1990s, home prices hovered around 110 on the Shiller scale.

For the past twenty years, the U.S. housing market has been a wild ride. We experienced an enormous bubble (and its aftermath) during the late 2000s. It looks very much like we’re at the front end of another bubble today. As of December 2017, home prices were at about 170 on the Shiller scale.

What caused the housing bubble during the last decade? And what’s feeding the current buying frenzy? That’s a great question, and it’s open to debate. Some folks blame loose lending standards. Some blame a lack of government oversight. Some blame real-estate speculators. Some blame the American propensity for consumption. Some blame cheerleading from the real-estate industry. Me? I think it’s a little of everything.

Bigger Everything!

Naturally, increased home prices and increased ownership rates brought increased mortgages. During the past fifty years, long-term mortgages with large balances became more common until now they’re the standard.

Between 1949 and the turn of the twenty-first century, mortgage debt relative to total income of the average household rose from 20% to 73%, and from 15% to 41% relative to total household assets.

One reason mortgage sizes have increased is that housing sizes have increased.

According to the U.S. Census Bureau, the median size for a new home built in 1973 was 1525 square feet. By 2016, that number had jumped to 2422 square feet. In those forty years, kitchen sizes have doubled, ceilings have risen more than a foot, and bedrooms have grown by more than 50 square feet.

But home sizes are ballooning even as households are shrinking! The average household had 2.9 people in 1973. In 2016, the average household had 2.5 people. Let’s run the numbers: Forty years ago, we had 526 square feet of living space per person; today, we have 969 square feet of living space per person.

To me, this seems crazy. Why do we need such huge houses? What’s the point? And do homeowners truly consider the costs when they choose to buy big? A larger home doesn’t just carry a larger purchase price. It costs more to maintain. It costs more to light, to heat, and to furnish. For too many people, big homes are the destroyer of dreams. (I’m not joking. I truly believe this.)

Full disclosure: In the past, I’ve been guilty of pursuing home-size inflation myself, although I eventually came to see the error of my ways. My first house (purchased in 1993) had 1383 square feet. My second house (purchased in 2004) had 1814 square feet. That was “peak bigness” for me. The condo I sold last year had 1547 square feet. And the house we moved into last July has 1235 square feet. I think about 1000 square feet is ideal, but Kim likes having the extra room.

I’m not saying you should live in a shack. Nor am I suggesting everyone should own a tiny home. But I believe it’s important to be logical when it comes to housing. Remember that size comes with a price. If you need the space, buy it. If you don’t, you’re better off saving your money for something else.

The Bottom Line

Housing is by far the largest expense in the typical budget. According to the U.S. government’s 2016 Consumer Expenditure Survey, the average American family spends $1573.83 on housing and related expenses every month. That’s more than they spend on food, clothing, healthcare, and entertainment combined!

Here at Get Rich Slowly, I’m adamant that one of the best ways — if not the best way — to improve your cash flow is by cutting your costs on housing.

Remember, your goal is to manage your financial life as if you were managing a business. If you were looking to balance the budget at a company you owned, you wouldn’t do it by trying to trim the small expenses. No, you’d tackle your biggest expenses first.

If you reduce your labor costs by 5%, for instance, you might be able to save $50,000 per year. But saving 5% on office supplies would probably only save you $50 per year.

The same principle applies in your personal life. If the typical American household cut their grocery budget by 5%, they’d save only $200 per year. If they cut housing by 5%? Well, they’d save $900 per year. So why do so many people put so much effort into clipping coupons while continuing to shell out for more home then they can afford (or need)? Good question.

In the weeks ahead, I’m going to explore different pieces of the housing equation. When does it make sense to rent? When does it make sense to buy? Is it better to prepay your mortgage or to keep it forever? How can you determine how much home you can afford?

If you have a specific question about housing and money, please let me know!

The post A brief history of U.S. homeownership appeared first on Get Rich Slowly.

[bnvupdates]

The Hidden, Insidious Gears of Poverty Cycles

Have you ever had to replace something that you need as cheaply as possible? Has an emergency ever forced you to give something up on your monthly budget? What if that was the reality of every purchasing decision you make? You would be approaching the daily struggle of being poor.

Understanding poverty means understanding the poverty cycle on both a daily and generational level. Being poor isn’t about living with less money. Good financial planning can’t fix poverty.

“The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money.

Take boots, for example. He earned thirty-eight dollars a month plus allowances. A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. Those were the kind of boots Vimes always bought, and wore until the soles were so thin that he could tell where he was in Ankh-Morpork on a foggy night by the feel of the cobbles.

But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that’d still be keeping his feet dry in ten years’ time, while the poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet.

This was the Captain Samuel Vimes ‘Boots’ theory of socioeconomic unfairness.”

— Terry Pratchett, “Men At Arms”

Being Poor Is Expensive

When every dollar counts, financial services can be far too expensive to maintain. Bank and ATM fees force many poor families to seek other options. Without good credit or bank accounts, many are forced to rely on pre-paid debit cards and payday loans (which have interest rates upward of 300 percent). Poverty is often more expensive due to inflation, which disproportionately affects those in poverty as prices for basic necessities inflate faster than other goods.

Living on assistance to survive also means not being able to put money away for emergencies. A cheap car is more likely to break down, and when it does, someone who lives paycheck to paycheck might have to choose between repairs, food, rent, or childcare. If the car doesn’t get repaired, the household loses the ability to get to work. They are then unable to find cheaper grocery stores or the right ATMs, especially in rural areas with poor public transit.

There’s also the distressing fact that, for people living on assistance, especially with children, getting a job is more expensive than living on assistance. Working for minimum wage often won’t cover everything that assistance helps with, such as childcare. In some cases, a family simply wouldn’t survive if the adult in the house took enough work to be removed from assistance programs.

Poorness Perpetuates

Members of vulnerable and poor communities are unlikely to have access to healthcare, dental care, education, quality food, and other necessities. Health problems exacerbate financial issues, and the long-term effects of not being able to afford preventative healthcare can damage the prospects of a family trying to clamber out of the poverty cycle.

Health insurance is one major issue in poor families. This is another case in which being poor is more expensive. Not spending money on health insurance opens people up to disastrous medical expenses. The Affordable Care Act has done a great deal to improve insurance coverage among lower income communities, including programs that give people federal financial aid for insurance plans. But for some families, “affordable” still isn’t manageable. Some still can’t afford marketplace premiums. That’s all before we even get into the limitations of “networks” and the lack of nearby services.

Even with coverage, there is the elephant of deductibles in the room, which prevent many people from seeking health care even if they are covered. Choosing not to be covered, because you don’t want to spend money on a plan with deductibles you can’t afford anyway, can also get you hit by Affordable Care Act tax penalties. Many would qualify for exemptions, but filing for them is an added complication during tax season, and hiring someone to do it for you can be prohibitively expensive. The ACA was a step in the right direction, but for many families health insurance does not necessarily mean health care access. There’s a big difference. Let’s not even talk about the repeal effort, or this post is going way off the rails.

Lack of access to education is another factor that keeps a family in poverty across generations. The wages of family members stagnate, and they can’t keep up when pitted against inflation, medical costs and debt. The more expensive education becomes, the harder it is to gain job skills that have a higher demand, which in turn effects job security for even those poor who do work. Lack of education puts people at the front of the line when lay-offs come around.

This process radiates out to consume entire communities, often if they are located far away from health and education services or potential employment. They become isolated, physically and financially from services and networks that can support them.

How Can the Cycle be Broken?

Ending poverty is going to require a concerted effort from the government, nonprofits, as well as expanding our understanding of the role of isolation in poverty.

The traditional approach to poverty has been hierarchical, like Maslow’s Hierarchy of Needs. Social assistance has focused on helping people maintain the bottom rung — housing, food, and other basic biological needs. When economically disadvantaged people can do this themselves, the assistance stops and they’re expected to climb the rest of the way to the top on their own, because being able to maintain one rung on the hierarchy is assumed to naturally lead upward. This would all be very well if it was, well, correct. Little to no evidence has been found to support this hierarchical structure to human needs. Human society is a great deal more complicated than that, and all of these needs have one connecting theme: community. As it happens, isolation, whether physical or emotional, is one of the biggest factors driving poverty.

Any strategy to reduce poverty needs to focus on bringing poor communities “in from the cold” in the figurative, as well as the literal sense. Larger communities have access to better, cheaper resources. Even in big cities, impoverished communities live in isolation, either in “food deserts” or in sequestered housing projects. In many ways, initiatives to create affordable housing further isolate poor communities and clump them together, removing them from the economic power of the rest of the city.

In essence, many current approaches to poverty do things the wrong way around. They begin by granting beneficiaries access to community resources through child support and food stamps, and then gradually take them away as the beneficiary gains work. This perpetrates the cycle, as many fall back into the trap of isolation. Instead, programs need to focus on increasing access to community resources in ways that take financial pressure off, but don’t trap people into receiving just enough to survive, and feeling unable to progress for fear of losing access. Services like healthcare, education, targeted infrastructure and public transit projects, incentives for companies to bring jobs, better jobs, to low-income areas.

The story of pulling one’s self out from the cycle of poverty through hard work and dedication is one of the most American anecdotes. But for many poor communities, as hardworking and dedicated as they are, isolation from the larger American community makes fulfilling the story impossible. Targeted solutions that seek to end the economic and physical isolation of poor communities and families might give people just enough leverage to make that story their own. But first, we need to stop making being poor more expensive, and we need to realize that lack of access is often what makes the difference between living comfortably and living on the edge.

_______________

Avery Phillips is a magical unicorn of a human being who loves everything human. She’s a fiery socialist and would love to talk about it. Tweet her @A_taylorian or comment below.

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The Pain of Job Loss

Losing your job can leave a bitter aftertaste, but when one door closes another one opens.

Whether you've been surplussed, down sized right sized, laid off, fired, or forced retirement, a job loss can be very devastating. Your career, finances and self-esteem can all be hit hard and in an instant, doubt and uncertainty wipe out any satisfaction and security.

But, while losing your job may be out of your control, the way that you react to it is not. With the determination to spring back and a focus on the positive aspects of your situation, you can turn adversity into opportunity. This article will show you how.

_________________________________________________________________________________________________

Actions to Avoid

You lose more than just your regular salary when you lose your job.  You can also lose the ability to collect pension and retirement benefits, status, routine and your social network. These all can quickly go away, along with less tangible assets like confidence, self-esteem, purpose and identity.

Loss of a job, especially for those with over 20 years of service, affects the same receptors in the brain as loss of a loved one. The same five stages of grief apply for the employee going through job loss , denial, anger, bargaining, depression and acceptance are a part of the framework that makes up our learning to get through the loss of a job.

As the reality of your situation confronts you, you might feel upset one minute and annoyed the next, and it can be tempting to vent your frustrations. However, reacting on impulse is almost always a terrible thing, and it can make an already difficult situation even worse.

Here are some actions to avoid doing in your last few weeks.

Becoming Openly Angry

Venting your anger at managers and colleagues when you're told that you've lost your job might make you feel better temporarily, but it will damage your career in the long run.

Your employer may be reluctant to give you a great reference and/or a nice severance package if you leave "under bad terms." And if you cross paths with your former colleagues later in your career, they'll likely remember your negative behavior and actions.

It's far better to leave calmly, with your dignity and integrity intact, than to "burn your bridges" before you've even left the building.

Criticizing Others

Once you have left, never criticize your manager, your colleagues, or the company behind their backs, as they may hear about your comments. Talking trash in the office or on social media platforms about them can make you look unprofessional, sour and rude. These will show up later so be careful

Also, in doing this, you may unwittingly sabotage your replacement's chances of making a success of his or her new role – it may unsettle him, and make him unsure about whether he's made a good choice in working for that company.

Taking It Personally

If you were laid off, you might feel that you lost your job because you weren't qualified enough, you did something wrong, or you "didn’t look the part." But, no matter how personal it feels, the chances are that your departure really wasn't because of you.

Companies routinely cutback and restructure as business circumstances change, and sometimes they have to do layoffs. AT&T, for example, laid off 10,000 people last year and Verizon offered an early retirement package to 44,000 employees in 2018. Job loss isn't down to personal failure, and you shouldn't feel guilty if this is the case.

However, when losing your job was unquestionably your fault, there will likely be several issues that need to be addressed so that you don't make the same mistakes. We'll look at some of these in the next section.

Meanwhile, you should try to guard against self-pity. Even the best people get fired – take Steve Jobs at Apple, for example – so do not dwell on your situation and focus on creating a plan to move forward.

Here are 10 tips To Get You Through A Job Loss

_________________________________________________________________________________________________

1. Find out Where You Stand

Make sure that you know your employee rights before you walk away from your organization. Find out what you're entitled to from your employer and from the government – benefits, severance packages, and pension schemes, for example.

Also, ask about references, the vacation time you accrued, sick and overtime pay, and your eligibility for unemployment insurance, bridging your company pension if you come back, and the continuation of health coverage.

If you are surplussed or right sized in that location or hub and are short of the important 75 points (Rule of 75), do everything you can to stay at the company until you hit these magical benchmarks. Also be aware of the fine print.  AT&T offers to get you to 75 points but that extension only applies to ATT Health Care (See article) Also, if you are laid off or surplussed from AT&T and are rehired within two (2) years after your Termination of Employment, the absence will not be a break in service(See ATT Rehire Article).  Some companies terminate jobs in one location or hubs but the job may be available in another city or hub. Relocating may get you to the Rule of 75 points, which will give you a vested pension and retirement healthcare. If necessary, transfer to a new city to get to 75 points by renting a cheap apartment or become a roommate in another city for a year. Then come home every other week. When we talk to candidates who lost their job but have the ability to keep employment if they relocate, most choose not to relocate.  This may be a mistake and could end up losing in some cases in excess of $100,000 in their pension benefits. The Rule of 75 most companies offer also provides for retirement healthcare, and could be a $1000 a month additional perk not available at your new job.

Severance packages also vary enormously, so, if your settlement does not cover everything that you need, check with your manager. Also determine how to take the severance (lump sum or payments). Being able to use your company laptop might be useful while you're looking for another job, for example, or you might want to ask whether you could remain on a part-time or freelance basis. The company may not say "yes," but you won't know without asking. Also consider taking severance over a period of two separate years to lower the tax consequences

2. Review Your Finances and speak with a Retirement Specialist

Your finances will inevitably be squeezed without the certainty of a regular income. Run a cash flow projection and budget before you leave the company to determine how to leave. Get a free consultation from an advisor or run it using the many free internet finance tools available online.

Run the cash flow first to determine what you need to make on your new job. The cash flow will assist you in determining how to take severance. If you receive a pension a cash flow will determine how much more you need to make to supplement the monthly retirement annuity. Remember some of the biggest mistakes is not relocating or traveling to a remote position to hit the Rule of 75.

Once you run a cash flow construct a budget. Start by writing a list of your major household expenses – mortgage or rent payments, utility bills, and so on. Then, note down all of your assets and sources of income – your severance pay, any unemployment benefits, savings, and food stamps, for example. Finally, revise your budget to fit your new circumstances.

Trim any unnecessary outgoings, develop a plan for spending less, and consider contacting creditors to refinance your mortgage or reschedule any repayment plans. (You may be able to take a mortgage "payment holiday" in the short term.)

Knowing how much time your resources will allow you for job hunting can help you to keep stress and anxiety in check. After all, having time can be the difference between rushing to take the first mediocre job you can find, and finding a satisfying job that you'll love.

You may also need to consider taking on temporary or freelance work to bring in short-term cash. Keep this in mind, and look into it in the first few days after your departure.

3. Rally Your Supporters

Get on Linkedin and connect with your fan base. You may feel upset or embarrassed, and your instinctive reaction may be to run away and hide. Confiding in positive-minded family, friends, former colleagues , and even career counselors and support groups can make a huge difference for you, and can help gain an alternative perspective on your situation.

You are not alone. Many others in your company are in the same boat and they also want to discuss their frustrations. Sharing your feelings about what has happened could possibly help you deal with stress as well as others deal with their stress. This communication reduces any sense of isolation that you might feel. Social contacts also can advise and encourage you, and they can be a source of information about new job opportunities as well.

Stress can cause very severe health problems and even, in extreme cases, death. You should take the advice of a very suitably qualified health professional if you have any concerns about stress-related illnesses, or if stress is causing you significant or persistent unhappiness.

4. Be Kind to Yourself

It's very important to deal with the emotional disruption of losing your job. It's equally important to look after your physical health by exercising, eating right, and getting lots of sleep .

It's also wise to allow yourself time to unwind if you can afford to do so. Take a short weekend getaway, read a book the book you’ve said you would read, but kept putting it off for later, or spend a few weeks on a home project. Whatever you do, taking time out to absorb the news is important.

Look for any signs that you might be becoming anxious and depressed, such as difficulty concentrating on simple tasks and remembering small details, being overly tired from lack of sleep, and eating out of boredom, and consider seeking help from a professional if you feel that you may be suffering and have trouble coping.

Family members will very likely be affected by your job loss, too. Financial pressures may hurt almost immediately, and family roles may have to change. Your partner may need to find a job or take on more shifts and volunteer overtime, for example.

Children are particularly sensitive to these kinds of problems. Try to help them understand the situation by having a conversation with them about the changes that could be coming, and spend quality, uninterrupted time with them.

5. Restructure Your Situation

In order to move forward, you need to restructure your situation, so that you don't see yourself as a victim or think of losing your job as "the end of the world." Switch your focus from the job that you just lost to the job that you want, and adopt an upbeat, move forward with confidence mindset. That will be important to your success in making a new start.

If you lose your job because you've been let go, try to learn from your past mistakes. Think about the reasons why you were let go. Were you performing to the best of your ability? What could you have done differently? How much of the dismissal was really in your control? Try to be honest with yourself, in order to help you to understand the current situation better and to come up with greater possible outcomes.

Be honest with yourself, and with any prospective new employer. Remember that they might have already been informed about what has happened from someone else. Carefully and humbly explain the reasons for your departure, what you've learned from it, and what you plan to do in the future to avoid repeating it. This may help you rebuild your reputation, as someone who can accept uncomfortable truths and grow from them.

6. Assess Your Goals

Now is a great time to think about what you want to do next. Understand the opportunity to reassess your career goals, discover your values , and figure out your passions and interests. You have the chance to reaffirm what matters to you or to go in a different direction .

If the idea of returning to the exact same sector appeals to you, think about why you were laid off in the first place. Research the industry trends that might affect your future job security? Try avoiding things that might put you back in the exact same situation a few years down the road.

If, however, you enjoy the idea of moving to a new career, try doing a self-assessment to match your skills, values, interests, and personality to new career plans.

7. Create a Plan

Knowing where you want to be is one thing. Figuring out how you'll get there is another. So, you should find a job search strategy.

A job search strategy involves reviewing your strengths and weaknesses. Figure out what skills and expertise you'll need to acquire a new role, and reconnect with your network of friends, associates and former colleagues.

8. Magnify Your Job Hunting Skills

It's always a good idea to break down and revise your cover letter and resumé, so that they're in perfect shape as soon as you need them. Make sure that your resumé is up to date, concise, written clearly, and accurate - because you'll need it to work very hard for you.

Next, turn your attention to better your interview skills and fully research positions that you decide to apply for, that way, you have a better chance to make a great first impression when you go for an interview.

9. Search the Job Ads

While looking for vacancies, vastly search your options and keep an open mind. Use different job search engine sites, local newspapers, business-based social media networks, company websites, employment agencies, and top networking pages.

Widening your search beyond your target profession may open up opportunities in related fields that you may not have considered initially, such as being a radio host, if your previous field was being a news anchor.

10. Keep Being Positive

So you've come through getting laid off. You've dealt with the initial shock, you have put yourself back on your feet, and made a plan to move forward. You're making a come back!

But, however well prepared and optimistic you are now, you can't control everything. It might take much longer than you'd like to acquire your dream job, so try to stay motivated and think positive. All your hard work and effort will eventually pay off.

Main Points

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Getting laid off can be a devastating experience. However horrible you feel, though, it's crucial to remain calm and act professional, and try to avoid doing anything that might hinder your reputation or integrity.

Although not a priority of your list, but very important, consider creating a cash flow and budget before you resign or retire to understand how to take severance (if offered), how to take the pension (if available) and whether you should relocate for 1-2 years to reach your Rule of 75. IMPORTANT:  If you are laid off or surplussed from AT&T and are rehired within two (2) years after your Termination of Employment, the absence will not be a break in service (See ATT Rehire Article)

Try to avoid becoming publicly frustrated and venting your anger at your managers and colleagues, and whatever happens, try to avoid taking things too personally. Once you've left, never talk negatively about your manager, colleagues, or the company behind their backs, as they may hear about your comments.

Be honest with yourself and others about any and all mistakes that you might have made, and be proactive about trying to learn from them.

Dealing with the emotional fallout, assessing your current situation, and creating a plan for moving forward will enable you to go beyond being fired and on to a more satisfying, rewarding future.