#forward thinking starting at 40% of his health at 400... FOUR.

[st4rstudent]

I really like the fact that it seems that Brian has a fondness for the number 4

[techcrunchappcom]

New Post has been published on https://techcrunchapp.com/covid-19-live-updates-thanksgiving-at-a-moment-of-national-peril/

Covid-19 Live Updates: Thanksgiving at a Moment of National Peril

Here’s what you need to know:

A restaurant with outdoor bubbles in Milwaukee. Deaths are surging in the Midwest.Credit…Tom Lynn for The New York Times

Americans were celebrating Thanksgiving on Thursday with the pandemic at perhaps its most precarious point yet.

Coronavirus cases in the United States have reached record highs, with an average of more than 176,000 a day over the past week. Deaths are soaring, with more than 2,200 announced on both Tuesday and Wednesday, the highest daily totals since early May. Even as reports of new infections begin to level off in parts of the Midwest, that progress is being offset by fresh outbreaks on both coasts and in the Southwest, where officials are scrambling to impose new restrictions to slow the spread.

The national uptick includes weekly case records in places as diffuse as Delaware, Ohio, Maine and Arizona, where more than 27,000 cases were announced over seven days, exceeding the state’s summer peak.

In New Mexico, grocery stores are being ordered to close if four employees test positive. In Los Angeles County, Calif., restaurants can no longer offer in-person dining. And in Pima County, Ariz., which includes Tucson, cases have reached record levels and officials have imposed a voluntary curfew.

“What we’re trying to do is decrease social mobility,” said Dr. Theresa Cullen, the Pima County health director.

Deaths are also surging, especially in the Midwest, the region that drove much of the case growth this fall. More than 900 deaths have been announced over the past week in Illinois, along with more than 400 each in Indiana, Ohio and Wisconsin.

Health officials have worried aloud for weeks that large Thanksgiving gatherings could seed another wave of infections at a time when the country can scarcely afford it. In many places, hospitals are already full, contact tracers have been overwhelmed and health care workers are exhausted.

“Wisconsin is in a bad place right now with no sign of things getting better without action,” said an open letter signed by hundreds of employees of UW Health, the state university’s medical center and health system. “We are, quite simply, out of time. Without immediate change, our hospitals will be too full to treat all of those with the virus and those with other illnesses or injuries.”

More than 260,000 people have died of coronavirus in the United States. In a speech on the eve of Thanksgiving, President-elect Joseph R. Biden Jr. spoke of his family’s losses, and urged Americans to “hang on” and called for unity.

Video

transcript

Back

transcript

Biden Calls for Unity in Thanksgiving Address

President-elect Joseph R. Biden Jr. stressed the importance of unity and encouraged Americans to be careful with Thanksgiving celebrations this year to help curb the spread of the coronavirus.

You know, looking back over our history, you see that it’s been in the most difficult circumstances that the soul of our nation has been forged. And now we find ourselves again facing a long, hard winter. We’ve fought nearly a yearlong battle with a virus that has devastated this nation. I know the country has grown weary of the fight. We need to remember, we’re at war with a virus, not with one another, not with each other. This year we’re asking Americans to forgo so many of the traditions that we’ve long made this holiday, that’s made it so special. For our family, for 40-such years, 40-some years, we’ve had a tradition of traveling over Thanksgiving, a tradition that we’ve kept every year save one: the year our son Beau died. But this year, we’ll be staying home. I know how hard it is to forgo family traditions, but it’s so very important. I give thanks now for you, for the trust you’ve placed in me. Together we’ll lift our voices in the coming months and years, and our song shall be of lives saved, breaches repaired, a nation made whole again.

President-elect Joseph R. Biden Jr. stressed the importance of unity and encouraged Americans to be careful with Thanksgiving celebrations this year to help curb the spread of the coronavirus.CreditCredit…Chandan Khanna/Agence France-Presse — Getty Images

“I remember that first Thanksgiving, the empty chair, the silence,” said Mr. Biden, whose son Beau died in 2015. “It takes your breath away. It’s really hard to care. It’s hard to give thanks. It’s hard to even think of looking forward. It’s so hard to hope. I understand.”

A man prays on the steps of the closed St. Sebastian Church in Queens, N.Y., in March. Credit…Todd Heisler/The New York Times

Gov. Andrew M. Cuomo of New York accused the U.S. Supreme Court of political partisanship on Thursday after the high court rejected his statewide coronavirus-based restrictions on religious services, playing down the impact of its ruling and suggesting it was representative of its new conservative majority.

Regardless of the governor’s interpretation, the decision by the Supreme Court late on Wednesday to suspend the 10- and 25-person capacity limitations on churches and other houses of worship in New York would seem to be a sharp rebuke to Mr. Cuomo, who had previously won a series of legal battles over his emergency powers.

“You have a different court, and I think that was the statement that the court was making,” the governor said, noting worries in some quarters after President Trump nominated three conservative justices on the Supreme Court in the past four years. “We know who he appointed to the court. We know their ideology.”

Mr. Cuomo, a third-term Democrat, insisted that the decision “doesn’t have any practical effect” because the restrictions on religious services in Brooklyn, as well as similar ones in Queens and the city’s northern suburbs, had since been eased after the positive test rates in those areas had declined.

But less stringent capacity restrictions, also rejected by the Supreme Court’s decision, are still in place in six other counties, including in Staten Island.

Legal experts said that despite the governor’s assertion that the decision was limited to parishes and other houses of worship in Brooklyn, the court’s ruling could be used to challenge and overturn other restrictions elsewhere. “The decision is applicable to people in similar situations,” said Norman Siegel, a constitutional lawyer and former leader of the New York Civil Liberties Union. “It’s applicable to any synagogue, any church, to any mosque, to any religious setting.”

Earl Wilson/The New York Times

Brittainy Newman for The New York Times

Brittainy Newman for The New York Times

Brittainy Newman for The New York Times

Brittainy Newman for The New York Times

Brittainy Newman for The New York Times

slide 1

slide 2

slide 3

slide 4

slide 5

slide 6

Instead of 42 giant balloons and floats, there were 30. Many of the high school marching bands from around the country stayed home. And the parade itself covered only a snippet of the traditional 2.5-mile route, confined to a single block of 34th Street between Sixth and Seventh Avenues in Manhattan.

But the annual Macy’s Thanksgiving Day Parade kicked off Thursday morning, with organizers determined to not let the pandemic completely derail the pageantry. So with the New York City Rockettes — minus the famous kick-lines that were scrapped to adhere to social-distancing guidelines — Dolly Parton, and, of course, Santa Claus, the ritual marker of the start of the holiday season got underway on Herald Square.

Planning this year’s event was a singular feat of logistical legerdemain. Starting in March, the parade planners at Macy’s and NBC, which airs the event, had to rip up the carefully calibrated script and come up with an entirely new blueprint.

“What I knew about Thanksgiving Day a month ago is different from what I know now,” said Susan Tercero, who is the executive producer of the event for Macy’s. “How do you plan something in June that’s going to happen in November when you have no idea where the country is going to be at then?”

History set a high bar for canceling the parade, which has gone off every year since 1924, except for three years during World War II.

The planners kept in communication with city and state officials and responded as evidence of a second wave in New York mounted, reducing the number of participants to 12 percent of their typical work force from 25 percent. Instead of about 8,000 people working a packed parade route in a normal year, 960 people will work over three days of filming.

Delta Airlines will begin offering “quarantine free” flights between Atlanta and Rome starting next month. Credit…Curtis Compton/Atlanta Journal-Constitution, via Associated Press

For the first time since the coronavirus pandemic swept across Europe and the United States, a pilot program will allow a limited number of passengers to travel across the Atlantic from Atlanta to Italy without having to quarantine upon arrival, according to a Delta Air Lines news release on Thursday.

The airline said it had worked with officials in both Georgia and Italy and that the program would rely on a strict testing protocol to ensure the flights could be conducted safely and “coronavirus free.”

Starting Dec. 19, all U.S. citizens permitted to travel to Italy for “essential reasons, such as for work, health and education,” as well as all European Union and Italian citizens, would have to test negative for Covid-19 three times:

Once with a polymerase chain reaction (P.C.R.) test taken up to 72 hours before departure.

Once with a rapid test at Hartsfield-Jackson Atlanta International Airport.

And once again with a rapid test upon arrival at Rome’s Fiumicino airport.

Passengers departing Rome would again have to pass a rapid test at the airport.

Travelers will also be asked to provide information upon entry into the United States to support contact-tracing protocols set up by the Centers for Disease Control and Prevention.

Airlines, battered by the pandemic, have been working to establish travel corridors that are both safe and reliable.

The International Air Transport Association forecast this week that the sector will lose $157 billion by the end of next year.

“This crisis is devastating and unrelenting,” the organization’s director, Alexandre de Juniac, said in a statement.

Delta, in partnership with Alitalia, said the airlines worked with the Mayo Clinic to devise the protocols and hoped they could serve as a model going forward.

Global Roundup

London will move to the second tier of restrictions, but service in restaurants and pubs will still be limited. Credit…Andrew Testa for The New York Times

Almost all of England must adhere to the two most severe sets of coronavirus restrictions when a national lockdown ends next week, the government said on Thursday, in an announcement likely to stoke tensions with lawmakers.

London and Liverpool have escaped the most stringent curbs and have been put into the second of three tiers, each based on an assessment of the threat from the virus.

Restaurants and pubs will reopen for indoor dining, but they will only be allowed to serve alcohol indoors to those eating a substantial meal.

In Manchester, Birmingham, Leicester, Newcastle and Hull, cities that must follow the toughest restrictions, pubs and restaurants will stay closed except for takeout service.

Just a handful of areas in the south of England will be in the tier with the lightest rules.

The fact that much of Northern England faces the tightest curbs is likely to revive claims that the region is not being treated the same way as London and the southern parts of the country.

Across the country, some normality will return when the lockdown lifts on Wednesday in England, and stores, gyms and hairdressers can reopen. Religious services, weddings and outdoor sporting events can also take place.

But in dividing the country into three tiers of restrictions, based on regional data, the government is hoping that the system works better than it did earlier this year, when it failed to stem a surge in cases.

This time the rules have been tightened and Thursday’s announcement, made by the health secretary, Matt Hancock, underscores the government’s desire to keep controls on the hospitality trade in the run up to Christmas.

“It is vital that we safeguard the gains we have made,” he told lawmakers on Thursday.

Some critics, however, want regions split into smaller units to reflect local circumstances, and 70 lawmakers from Prime Minister Boris Johnson’s Conservative Party have expressed concerns about the economic damage of restrictions designed to prevent the spread of the virus.

In other developments around the world:

Chancellor Angela Merkel of Germany and state governors agreed to tighten virus restrictions and extend the country’s lockdown through December. “Without a doubt we have difficult months ahead of us,” Ms. Merkel told lawmakers on Wednesday.

Amid a growing caseload, Greece is also extending a lockdown that had been set to end on Monday, until Dec. 7.

Prince Carl Philip and his wife, Princess Sofia, of Sweden tested positive for the coronavirus, according to a statement from the Royal Court of Sweden. Carl Philip is fourth in the line of succession to the Swedish throne.

South Korea reported 583 new cases of the coronavirus on Thursday, the biggest daily caseload since early March, as health officials struggled to contain a third wave that began earlier this month. In the past week, officials have banned gatherings of more than 100 people, shuttered nightclubs and allowed only takeout services in coffee shop chains.

Researchers working on AstraZeneca’s coronavirus vaccine in Oxford, England.Credit…Andrew Testa for The New York Times

The announcement this week that a cheap, easy-to-make coronavirus vaccine appeared to be up to 90 percent effective was greeted with jubilation. “Get yourself a vaccaccino,” a British tabloid celebrated, noting that a shot of the vaccine, developed by AstraZeneca and the University of Oxford, costs less than a cup of coffee.

But since unveiling the preliminary results, AstraZeneca has acknowledged a key mistake in the vaccine dosage received by some study participants, adding to questions about whether the vaccine’s apparently spectacular efficacy will hold up under additional testing.

Scientists and industry experts said the error and a series of other irregularities and omissions in the way AstraZeneca initially disclosed the data have eroded their confidence in the reliability of the results.

Officials in the United States have also said that the results were not clear. It was the head of the U.S. federal vaccine initiative — not the company — who first disclosed that the vaccine’s most promising results did not reflect data from older people.

The upshot, the experts said, is that the odds of regulators in the United States and elsewhere quickly authorizing the emergency use of the AstraZeneca vaccine are declining, a setback in the global campaign to corral the devastating pandemic.

Michele Meixell, a spokeswoman for AstraZeneca, said the trials “were conducted to the highest standards.”

In an interview on Wednesday, Menelas Pangalos, the AstraZeneca executive in charge of much of the company’s research and development, defended the company’s handling of the testing and its public disclosures. He said the error in the dosage was made by a contractor, and that, once it was discovered, regulators were immediately notified and signed off on the plan to continue testing the vaccine in different doses.

Asked why AstraZeneca shared some information with Wall Street analysts and some other officials and experts but not with the public, he responded, “I think the best way of reflecting the results is in a peer-reviewed scientific journal, not in a newspaper.”

Gov. Jay Inslee of Washington, center, speaking in January about the first reported case of the coronavirus in the United States.Credit…Grant Hindsley for The New York Times

It was 10 months ago that officials identified the first U.S. coronavirus case in Snohomish County, Wash. That area north of Seattle is now reporting its highest coronavirus case numbers of the pandemic.

Snohomish County has recorded an average of about 230 cases per day over the past week, about three times higher than a month ago. Dr. Chris Spitters, the Snohomish County health officer, said hospitalizations in the region have risen about 400 percent in just six weeks.

“Hospitals are rapidly approaching where we were back in March,” Dr. Spitters said this week.

On Jan. 21, federal and local officials announced that a person who had recently traveled from Wuhan, China, had tested positive in Snohomish County, setting off an extensive effort to isolate and treat the patient. Weeks later, the Seattle region emerged as an early epicenter of the virus, although it remains uncertain whether the outbreak was linked to that first person.

Washington State recorded many of the first coronavirus deaths in the nation in March but managed to contain its outbreak in the spring and has kept its numbers low when compared to other states around the country. But in recent days, case numbers have been jumping and setting records. Gov. Jay Inslee has restored coronavirus restrictions, closing fitness facilities and prohibiting indoor dining at bars and restaurants.

Dr. Kathy Lofy, the state health officer, said Wednesday the situation was “extraordinarily urgent” and urged all residents to take action to stop the spread of the virus before hospitals become overwhelmed.

“We must all recommit to flatten the curve now,” Dr. Lofy said.

San Quentin Prison in California has been hard hit by the coronavirus pandemic.Credit…Jim Wilson/The New York Times

The Thanksgiving menu behind bars in the United States this year featured extra helpings of loneliness and tension along with the processed turkey.

Most American prisons suspended in-person visits months ago — some as early as March — to try to limit the spread of the coronavirus, leaving many inmates able to communicate with loved ones only through mail that can take several weeks to arrive or costly phone and video calls.

This year, the threat of the virus and the long separations from families have added an extra layer of anxiety to one of the most anticipated days of the year, inmates and their relatives say.

Kelly Connolly, whose brother Rory Connolly is serving time in a federal prison in Ohio, said her family felt helpless to relieve her brother’s isolation and fear of getting sick.

The ban on visits “does seem extra punitive, on top of the sentence — the daily tension and terror, in addition to all the other aspects of prison,” she said. “This is by far the longest stretch my brother has gone without seeing family members or friends.”

Prisons, jails and detention facilities have often become coronavirus hot spots. More than 327,000 inmates and guards in have been infected by the virus, and more than 1,650 have died, according to a New York Times database.

The steep recent rise in infections around the nation has meant that a number of prisons and jails that were planning to allow family visits for Thanksgiving have canceled those plans.

Getting a free coronavirus test in Los Angeles on Wednesday.Credit…Bryan Denton for The New York Times

After more than two months of unrelenting growth, the United States is poised to see a steep drop-off in new cases on Thursday.

It will be a mirage, not progress.

At least 14 states have said they do not plan to update their data on Thursday as Americans celebrate Thanksgiving. Other states will likely do the same. And many county and regional health departments will also take the day off.

“Out of respect for our O.S.D.H. personnel who have worked tirelessly since March in response to the Covid pandemic, we will not be reporting data on Thanksgiving,” the Oklahoma State Department of Health said in a statement on Wednesday.

The New York Times reports new cases and deaths on the date they are announced by officials in hundreds of state and local health departments. In a typical week, daily fluctuations are smoothed out by using a rolling average that accounts for spikes on Fridays, when many states report their highest numbers of the week, and drops on the weekends, when some places don’t report any data.

That analysis will become harder after Thanksgiving, which is almost assured to have far fewer cases than the 187,000 announced last Thursday, when 49 states reported fresh data. The country’s seven-day case average, now above 175,000, could fall sharply, at least for a day.

Harder still is knowing what to expect in the days after Thanksgiving. Some states are likely to report artificial spikes when they resume reporting on Friday, which could push the country past 200,000 cases in a single day for the first time.

But the blurry data could persist longer. Health officials in Vermont have said they will forego reporting both Thursday and Friday. And access to testing is likely to decrease for a few days, meaning more infections could go uncounted. In Louisiana, testing sites run by the National Guard will be closed both Thursday and Friday. In Wisconsin, some National Guard testing sites are closed all week.

Numbers aside, public health officials are worried about what the holiday may bring. For weeks, governors and hospital executives have been begging people to skip turkey dinners with people not in their households. The country’s case average is as high as it’s ever been, cases are rising in 40 states and deaths are reaching levels unseen since May, with more than 2,200 announced nationwide both Tuesday and Wednesday.

“Unless we unite behind the belief that each of us has a responsibility to protect others, we will face a devastating holiday season,” said Barbara Ferrer, the public health director in Los Angeles County, Calif., where cases have soared to record levels this week.

Prime Minister Justin Trudeau of Canada and Dr. Theresa Tam, the country’s chief public health officer, held a news conference on Oct. 13, the day after Canada’s Thanksgiving.Credit…Sean Kilpatrick/The Canadian Press, via Associated Press

Does Canada’s Thanksgiving, which passed well over a month ago, offer a preview of what the United States now faces in terms of the pandemic?

The differences between public health systems in Canada’s provinces and their pandemic rules make it difficult to generalize about the entire country’s holiday aftereffects.

Daniel Coombs, a professor of mathematics at the University of British Columbia and an infectious disease modeling expert, said that several “provinces have seen rises that are hard to directly link to Thanksgiving purely from case counts.”

But Professor Coombs said many provinces did find through contact tracing that some new cases were linked to Thanksgiving events.

Over the past six weeks, he said, outbreaks that started at Thanksgiving have continued to grow. “It is not really possible to say what fraction of current cases were specifically seeded by Thanksgiving gatherings but I think it is indisputable that the effect is there,” Professor Coombs said.

Since Thanksgiving, new restrictions have been imposed in many parts of Canada. This week an agreement between the four provinces along the Atlantic coast that allowed quarantine-free travel between them was suspended after a growth of cases in two of them. Manitoba, British Columbia and Ontario all imposed new measures in all or some areas this month.

But Colin D. Furness, an assistant professor at Institute of Health Policy, Management and Evaluation of the University of Toronto, cautioned that Canada’s version of Thanksgiving is not an ideal proxy for the American version. It is not even a statutory holiday in some provinces, and Canadians generally wait until Christmas to travel for family get-togethers.

“So for the U.S., where Thanksgiving is the biggest travel weekend of the year, and where Covid is currently raging in many places, the threat posed by this holiday is enormous,” he said. “If we looked at the Canadian experience, we might underestimate the U.S. risk.”

About 60 students and parents from Scotch Plains-Fanwood School District in New Jersey protested last week after the superintendent announced schools would remain closed until Jan. 19.Credit…James Estrin/The New York Times

Gov. Philip D. Murphy has urged New Jersey school districts to open for some face-to-face instruction, repeatedly noting that the coronavirus spread among teachers and students was far lower than expected.

Last week, as New York City was reeling from the mayor’s decision to close the nation’s largest school district, Mr. Murphy joined with six other governors — including New York’s — to release a statement about the importance, and relative safety, of in-person instruction.

His own schools weren’t listening: While most districts in New Jersey had reopened for some in-person instruction, many announced plans this week to return to all-remote learning through all or part of the holidays.

The tensions point to the difficulty governors across the Northeast have had in persuading districts to reopen more fully — decisions that often require school boards to buck powerful teachers unions and to live with the inherent risk of outbreaks as the virus surges.

Parents and children are often caught in the middle, forced to quickly shift routines and expectations in a year already marred by the extraordinary challenges of remote instruction.

Mr. Murphy, a Democrat, has the power to shut down schools, as he did in March when New York and New Jersey were an early epicenter of the pandemic. And he has said that decisions about all-remote instruction need state approval and that districts must be working toward bringing students back to class.

Still, for all the governor’s public exhortations, a spokesman for the New Jersey Department of Education could not point to a single instance when the state rejected a district’s plan to shift to all-remote instruction.

The governors of Massachusetts and Connecticut have faced similar pressure from districts and unions as they continue to stress the importance of in-person education. In New York, Gov. Andrew M. Cuomo offered a plan to keep New York City’s schools open for at least a few more days, but the mayor rebuffed him.

The state of Texas limits attendance at AT&T Stadium, the home of the Dallas Cowboys, to half its capacity of over 100,000. The team plays the Washington Football Team on Thursday.Credit…Ronald Martinez/Getty Images

Tens of thousands of fans are expected to be at AT&T Stadium in Arlington, Texas, on Thursday, when the Dallas Cowboys, as they have nearly every year since 1966, play at home on Thanksgiving, this time against the Washington Football Team.

To control the spread of the coronavirus, state rules limit attendance at the stadium to half its capacity of more than 100,000, and no game has approached that limit. Still, attendance has grown every game, hitting a high of 31,700 on Nov. 8, when the Pittsburgh Steelers were in town. Jerry Jones, the team’s owner, plans to keep selling tickets even as the number of infections surges in Tarrant County, where the Cowboys play home games.

“I see a continued aggressive approach to having fans out there,” Mr. Jones said last week on Dallas sports talk radio. “And that’s not being insensitive to the fact that we got our Covid and outbreak. Some people will say maybe it is, but not when you’re doing it as safe as we are and not when we’re having the results we’re having.”

Local and state authorities have ultimate authority over whether fans can attend games, and the rules in Texas are more permissive than in states like California and New Jersey, where teams have played without spectators this season.

But Mr. Jones’s approach runs counter not just to what other N.F.L. teams have done in recent weeks, but to what medical experts say is prudent public health policy. The number of cases in the county has jumped more than fivefold since the start of the regular season in early September, when there was an average of 1,500 confirmed infections a day.

On Wednesday, the N.F.L. has moved the Thanksgiving night showdown between the Baltimore Ravens and Pittsburgh Steelers to Sunday afternoon after nearly a dozen players and staff members on the Ravens tested positive for the virus.

Pope Francis on Sunday at the Vatican.Credit…Vincenzo Pinto/Agence France-Presse — Getty Images

Pope Francis, writing for the New York Times Opinion section, says that to come out of this pandemic better than we went in, “we have to let ourselves be touched by others’ pain.”

In this past year of change, my mind and heart have overflowed with people. People I think of and pray for, and sometimes cry with, people with names and faces, people who died without saying goodbye to those they loved, families in difficulty, even going hungry, because there’s no work.

Sometimes, when you think globally, you can be paralyzed: There are so many places of apparently ceaseless conflict; there’s so much suffering and need. I find it helps to focus on concrete situations: You see faces looking for life and love in the reality of each person, of each people. You see hope written in the story of every nation, glorious because it’s a story of daily struggle, of lives broken in self-sacrifice. So rather than overwhelm you, it invites you to ponder and to respond with hope.

To come out of this crisis better, we have to recover the knowledge that as a people we have a shared destination. The pandemic has reminded us that no one is saved alone. What ties us to one another is what we commonly call solidarity. Solidarity is more than acts of generosity, important as they are; it is the call to embrace the reality that we are bound by bonds of reciprocity. On this solid foundation we can build a better, different, human future.

Credit…Vinnie Neuberg

Last week, David Leonhardt invited readers of his Morning newsletter to send six words describing what made them thankful in 2020. Here is a selection of their responses:

The crinkling eye above the mask.

A furtive hug with a friend.

The backyard haircuts are getting better.

My choir still meets on Zoom.

Friends who give me streaming passwords.

Family reunion in January, before Covid.

Miss family, but safer for them.

Saved a lot of lipstick money.

More homemade pasta, no more jeans.

No shame in elastic-waist pants.

Braless at home? No one cares.

Mom, 87, rocking pretty, pandemic ponytail.

Teenage son still likes to snuggle.

My parents live two blocks away.

No better excuse to avoid in-laws.

This stinking year is nearly over.

[dustdry03-blog]

Often the 8 Best Keto-Friendly Menu Items At Panera Bread

If you’re on the high-fat, low-carb keto diet, you have no second option nevertheless to be able to pass right by means of crowd-favorite Panera Bread at lunch, right? I mean, often the offending food group (hi, carbs) is actually immediately in the restaurant brand. Before starting weeping into your meal-prepped Tupperware of health proteins and avo at your own desk, you actually *don't* have to detour about Panera every single moment. There are a collection of items you can easily order from the string that can be keto-friendly... and they would not fully suck, either. CONNECTED ACCOUNT The 30 Natural Rapid Food Restaurant Orders “You can definitely make ingesting at Panera work in the event that you plan forward, ” says Amy Gorin, MASTER OF SCIENCE, RDN, owner connected with Amy Gorin Nutrition in the Fresh York City area. “Because you will have your daily restrict for carbs, you could end up needing to help transform some of the particular meals you’re taking with home to compensate in the event your get at Panera isn’t excellent, super low carb. ” Just about all the idea takes is a tiny creativity as well as the confidence to march to the register together with order a new sandwich with out the bread (you actually can easily do it—I trust inside you). Here are this the inner workings of ordering the keto meal at Panera. You wish an order this is low in carbs, high inside fiber, and even high in fat. So if you aren't trying to feed on keto at Panera, check out the menu’s nutritionary facts online before you move. (Guess what: This “trick” works for eating keto at any bistro as long it stocks and shares its nutrition facts anywhere. ) Gorin reminds to be able to zero within on the carbohydrate, fiber content, and fat information regarding anything you’re thinking about ordering. SIMILAR STORY So... Are usually Keto Diet Specifically? “I include things like the fiber content content for the reason that when you’re on keto, you’re definitely looking from online carbs, which can be the total amount of carbohydrates minus the fiber—this is the amount of glucose that is consumed by your body, ” clarifies Gorin. Many keto individuals aim for less in comparison with 50 internet carbs every day, simply because WH recently reported. Therefore for a single meal you might want to always keep your net carbs under 10 or perhaps 12. But if you just don't totally feel comfortable assembling keto-friendly foods your self while eating out, prepared around luck: Gorin IDed nine keto-friendly options anyone can get at Panera without having to estimate carbs, fiber, and excess fat all by yourself. Demand one of these delish, keto-compliant options (spoiler inform: the big factor can be leaving behind out the loaf of bread in these things! ) and banish your own lunch FOMO for good. 1 . Caesar salad with poultry Nutrition info (including this croutons): 450 calories, 36 g total fat, 17 g total carbs, 2 g fiber, thirty four h protein Make that keto: Order the Caesar greens without the croutons to be able to cut back within the carbohydrates; the chicken will give you a good satisfying boost of necessary protein and help you sense whole without 'em. The outfitting choice is up to you. Although, Gorin says a serving (two tablespoons) of Caesar salad dressing contains about two carb supply, so if you’re shopping to definitely cut along on the carb rely, ask for a drizzle of olive oil alternatively. 2. 50 % order of the seasonal vegetables greens with hard-boiled ova Nourishment info (for the 1 / 2 salad): 95 energy, 5 various. 5 g total fat, 10 g whole carbs, 1. 5 g dietary fiber, 2 g proteins Help to make it keto: “If you are looking for more of a snack-sized choice, this particular would be a great option as it comes in at less than 300 calories, ” says Gorin. https://ketolog.com/keto-supplements/best-mct-oil-for-keto/ have 15 h of carbs plus the ova have just simply 1 g (along along with a big dose of protein). Opt for often the Ancient greek language dressing or plain extra virgin olive oil for flavor. several. Meal and egg breakfast time sandwich Nutrition info (with often the bagel): 530 calorie consumption, 18g total fat, fifty nine g total carbs, a couple of h fiber, 34 gary the gadget guy proteins Make it keto: Okay, and so Panera bagels are generally a new no-go for keto dieters, nevertheless meal and ovum is a filling breakfast every day with it is own. Gorin advises asking for a section of avocado slices to enhance the protein and excess fat content, giving you enough calories from fat for a entire meal. some. Chipotle poultry avocado liquefy Nutrition data (with often the focaccia): 760 calories, 40 g full fat, 54 g complete carbs, 6 g fibers, 43 gary protein Help to make it keto: This specific hot and spicy, smoky, flavorful completing is going to make your tummy hence happy you won’t also miss the focaccia (which, obviously, you’ll have to skip in order for you to keep it keto-friendly). 5. Greek salad with rooster Nutrition info: 400 calorie consumption, 36 g total fat, 11 g total carbs, 4 g fiber, five g protein Make this keto: This salad has 11 grams of sweets, which means it may still fit into your day-to-day keto goals if you’ve planned out the rest of your time to be low carbohydrate. One thing to bear in mind? “A full serving of the outfitting has one particular g involving carbs, so if you’re actually struggling to cut your carb intake, use half of the attire, ” advocates Gorin. 6. Steak and even arugula hoagie Nutrition details (with the bread): 470 calorie consumption, fourth there’s 16 g full fat, 50 g detailed carbs, 3 or more g soluble fiber, thirty-three h protein Create that keto: By getting this hoagie without the particular bread, you’re receiving solid health proteins along with nutrients from the arugula. Nonetheless you will need some extra fat in there, thus toss in some very good ol’ fashioned avocado slices with regard to an assist. 6. Customs ham and Swiss sub Nutrition info (with typically the bread): 600 unhealthy calories, 26 h total extra fat, 40 grams total carb supply, a few gary the gadget guy fiber, 41 gary proteins Make it keto: Similar to the steak and even arugula sandwich, Gorin recommends swapping out your bread intended for avocado pieces, so an individual get extra fat in addition to calories but definitely not carb supply. best mct oil says an individual may want consult for tomato slices to obtain greens into the meal. eight. Espresso with an avocado, for ones white, and kale meal Nutrition info (with the particular bread): 360 unhealthy calories, fifteen g total fat, 39 g total carbohydrates, your five g fiber, 21 gary the gadget guy protein (the premium coffee provides 5 calories) Make this keto: “Sipping a flavored coffee with your buy can make it feel sophisticated and special, ” says Gorin, “and that one contains no carbs. ” Set of two it with a good avocado, egg white, and even spinach sandwich (sans bread) to feel even more fancy-pants.

[stillpracticingmetoo]

Epilogue 1, Feel (W)hole

Asking for a friend.  Which one of AdventHealth's CEO's, Terry Shaw or Darryl Tol, signed off on the marketing campaign using the words "Feel Whole," knowing since 2018 that a member of the medical staff repeatedly sexually assaulted me as a child by putting his ungloved finger in my rectum on multiple occasions while treating me for a knee injury?

Feel (w)hole.  Two words I read this afternoon on street signs when I arrived for a meeting called by AdventHealth following the publication of my story. The request from the legal department was that I come in to meet to discuss a "solution that works for you, and us and the community." Feel (w)hole.  The words were stretched across banners in the lobby of the organization's executive office building in downtown Orlando, right underneath the organization's mission of "extending the healing ministry of Christ." Now I've read the Bible passage where Jesus licked his fingers and stuck them in the ears of a deaf man to restore his hearing, but this might be a stretch. Feel (w)hole. Two words next to AdventHealth's logotype that quickly evoked the image of the headshot of Dr. William P. Zink I found when Googling his name in the fall of 2017 when I remembered the repressed memory of being sexually assaulted and molested as a child by him under the guise of medical care 30 years ago. Heart racing. Brow sweating. Room spinning. Wondering if this was a mistake. "With a personalized greeting like that, who wouldn't feel welcome," came a booming voice from across the lobby. I turned to see the smiling face of my childhood friend and local Orlando attorney who agreed to join me for this meeting.  "They probably should have run that one by someone with a 13 year old's sense of humor before spending millions to plaster it all over town," he said.  "Fucking idiots.  Let's go see what they have to say." Walking into the executive conference room at AdventHealth's headquarters, I was immediately grateful for my decision to bring an attorney as I was met by four people -- a health system executive, a member of the legal department, outside counsel and the organization's new president of the medical staff . . . who used to be my own primary care doctor.  For a moment, I thought that this was the ultimate mindscrew, and hoped that this was just an odd coincidence. Curiously absent from this meeting were the two people I had contacted in 2018 and 2020, AdventHealth CEO, Terry Shaw, and AdventHealth Central Florida CEO, Daryl Tol.  If the priest and the Levite couldn't make the meeting, I was hoping that at least one of the people in the room would be the Good Samaritan I needed to hear from.  Beyond the kindness expressed by my old doctor, I would have no such luck. After exchanging pleasantries, I was asked to offer my perspective about what this reluctant cabal could do to help.  "I was thinking you might be able to tell me, since you called the meeting," I responded.   Silence.  For a full minute. Sensing my frustration, my attorney shot me a knowing Jedi-mind-trick glance and gave me a nod, prompting the following. "What is the business purpose for AdventHealth maintaining a relationship with Dr. Zink," I asked?   "It's complicated," they replied, followed by a longwinded explanation of the bylaws and rules governing relationships with medical staff, versus the contracts maintained with members of the medical group, the division of authority between corporate and legal and the medical staff, and medical staff credentialing. Luckily both Stephanie and I grew up in medical households and had prior work experience in healthcare philanthropy, so I had a basic understanding of this byzantine arrangement designed to protect corporate assets, doctors egos, and hopefully, a few patients along the way.  Frankly, this all sounded like bureaucratic bullshit, with no hint of common sense. "How long has Dr. Zink been on the medical staff," I asked? "Since the 1980's," they answered. "What is the average annual revenue that AdventHealth makes from a pediatric orthopedic surgeon who is credentialed and given privileges to perform surgery in one of your hospitals," I asked? "I do not know that number off hand," the president of the medical staff replied. I asked the same question of the health system executive who responded, "Well, leaving money out of it, a busy pediatric orthopedic surgeon probably performs around 400 surgeries annually.  Dr. Zink was probably performing 10 percent of that volume in the last year." 10 percent of 400.  That's 40 patients each year during the two years since I contacted Terry Shaw and Daryl Tol.  80 kids.  Statistics are that 1 in 6 of these children will be sexually assaulted before they turn eighteen years old.  That's 13 kids treated by Dr. William P. Zink between 2018 and 2020 who, statistically speaking, may be victims of sexual assault.  If I were CEO of AdventHealth, would I take a chance that 13 kids who received surgery in my hospital system would be introduced to a guy whose public reputation from a Google search would not qualify him as a volunteer for the public library or the babysitting service offered by the local church? Hell no.  But it's complicated. Before attending this meeting, I ran my questions by a few friends. Some had experience in healthcare, and others were just hardworking businesspeople with years of tough decisions under their belts.  I tested two of the observations out on the crowd. "One buddy of mine suggested his perception that this is purely about business and money.  Zink is 'damaged goods' and AdventHealth can get him to perform surgery for as little as they can and keep the spread between what they pay him and what they bill insurance," I offered. "Absolutely not," the health system executive protested. "I know Terry Shaw and Daryl Tol, and I can assure you that they are good men who would never put money before patient safety or quality."  A breathless reply before she had to excuse herself from this important meeting to go catch an airplane. "Another buddy of mine suggested his perception that this might have more to do with the organizations faith-based mission.  Perhaps they are trying to show forgiveness and give Zink a second chance," I suggested. The president of the medical staff spoke up and offered what I find to be the one noble point of view of the whole meeting.  "My number one priority is patient care and safety," he said. "While there are bylaws and rules, I can assure you that your story will be considered the next time Dr. Zink's petition for privileges is reviewed. Nothing about what you've shared aligns with our mission of extending the healing ministry of Christ."   I might have been satisfied to end there, but the outside counsel chimed in with an odd request. "Perhaps you might help us by encouraging the few people who you have heard from since publishing your story to come forward and file their own complaint?" Do you mean the busy mom whose son was injured in a weekend sporting event who Dr. Zink offered to pick up in his own car to drive to an exam on a Sunday? "While it was creepy," she said to me, "I don't think it qualifies as abuse."  No, it's called grooming. Or do you mean the childhood friend who lives out of the country and has more than a decade of recovery from alcoholism and cocaine addiction under his belt who called me on Sunday to tell me that Dr. Zink drugged and sodomized him when he was 14 years old?  "I called to tell you I am glad that you are telling your story," he said to me.  "My recovery requires that I leave that in the past. I am healing, one day at a time and all I want to put into the world is my art and love."  I respect that, my brother. I love you. Feel Whole.  It probably started as a good idea, hoping to inspire thoughts of healing body, mind and spirit while under the care of AdventHealth and its medical staff. I can picture the white-board session now, an echo chamber of adulation. A zippy video with images of healthy people doing healthy things backed by a soundtrack and a final coda call-and-response of "Tell me how you're feeling tonight." Hashtagwordcloud #feelingwhole fadetoAdventHealthlogo. Statistically speaking it is likely that there is a mom or dad in the Orlando area who saw that video on social media somewhere. It made them feel good. It evoked a sense of trust in AdventHealth. A trusted resource that mom or dad should be able to rely on for a referral to a doctor who will help them and their child feel whole. Not Feel (W)hole. NOT FEEL (W)HOLE. 

[maritzaerwin]

Does A Shorter Workweek Boost Workplace Productivity?

The proposal of a four-day working week is a progressive idea as since 1926, employees in Britain have been working a five-day working week with Saturday and Sunday marked as the ‘weekend’, allocating a two-day break from working life.

During the 1900s, pioneering car maker, Henry Ford, cemented the above measure by closing his factory doors on Saturday and Sunday. Factory work was prevalent during this period as the motor industry began to boom and staple its position in the British economy.

In 1998, the Working Times Regulation was introduced into UK legislation limiting the average maximum hours in a week to no more than 48 hours; however, you can opt-out of the 48-hour limit if your career path doesn’t require you to abide by this.  Prior to the standardization of the five-day working week, the norm was to work six days a week which shows a gradual shift in mentality and consideration towards the way employees live their lives.

Microsoft Japan Trials Four-day Working Week

Over 100 years later, selective household names are pushing the tide towards a shorter working week with no decrease in pay to test if this boosts productivity and improves wellbeing. Microsoft, the multinational, technological corporation recently trialed a four-day working week in their Japan office throughout August by giving employees consecutive Fridays off, without a decrease in pay, as part of their ‘Work-Life Choice Challenge’’.

The typical working week in Japan is made up of six days with workers carrying out 12-hour shifts, however, this can vary from five days to well over six days. Worlds apart from the working practices followed in the UK, Japanese labor law actually states that employees should only work 40 hours a week.

Many employee cases of sudden death are attributed to ‘Karoshi’, meaning ‘death from overwork’ in Japanese. Exhaustion and stress following uncapped overtime is often the leading cause of heart attack and stroke in Japan, as illustrated in the case of the broadcaster, Miwa Sado. She worked over 150 hours in the month leading up to her death, taking off just two days before dying of congestive heart failure.

45 hours in overtime is allowed in one month but as this is only a recommendation, it is therefore non-binding. The toxic work culture in Japan is one of concern, as in many cases, the norm is to work unpaid overtime to fulfill employer expectations without kicking up a fuss.

Microsoft Japan found that after trialing a four day week, sales per employee rose by 40 percent across their 2,300 person workforce. Following the trial, it was found that 92 percent of employees responded positively to the shorter working week. This also contributed to a decrease in resource-related costs, such as electricity, which is financially beneficial for the business.  

As face time with employees decreased following the reduction of one day, meetings were limited to 30 minutes, encouraging team members to work more efficiently and constructively with one another.  

The Downfall of a Four-day Working Week

In reality, compressing five days’ work into four days can pose a great deal of pressure on your physical and mental health, triggering exhaustion, demotivation and a lack of gratification from your job as a result of heightened expectations. However, if you’re more satisfied, happy and less stressed, this improvement to your wellbeing could outweigh the compression of five days’ work into four.

As your business adapts to this forward-thinking strategy, will others follow suit? It’s vital to question whether your customer base will understand this approach or reject it and turn to a traditionally operating competitor which better suits their needs. This brings into question how the business integrates into the market alongside key competitors offering longer opening times and greater exposure to staff and key account holders.

In an age of digital storytelling, consumers are increasingly buying with a purpose from ethically, eco-friendly and moral conscious brands.

The first step to granting customers the opportunity to shop ethically is to work in a transparent manner which also includes the fair treatment of staff. As an active promoter of flexible working, this has the power to attract new talent and bolster the reputation of the business.

For example, following the revelation in 2008 a fast fashion market leader, Primark, used child labor practices to produce clothing and Nike produced big label products in sweatshops, concerned consumers led a series of boycotts which contributed to the reputational damage of the business.

In reverse, promoting workers’ rights and introducing modern working methods can improve your reputation and perception of the brand, possibly resulting in stronger financial performance.

Why Boosting Morale Is Better for the Business?

By boosting employee morale through flexible working, this encourages employee productivity which contributes to cost savings for the business and reduces the carbon footprint as fewer resources will be used.

A white paper produced by Henley Business School on adopting a four-day working week found that there are major cost savings for businesses that adopt this operational strategy. The white paper found that businesses operating on a four-day basis made the ‘combined savings…as high as £92 billion a year, 2% of total annual turnover.’

In conclusion, the decision to take this step ultimately depends on your sector, client expectations and the effect this will have on business operations. As popularity garners for the non-traditional working week, the Labour party went a step further to propose a four-day working week to ‘lay the foundations of a new society’ in their election manifesto last year.  

By reducing work-related mental strain and enforcing a shorter working week, this can improve employee wellness, reduce retention levels and standardize a new way of working.

Source – Pexels.com

Tackling Unemployment With a Shorter Working Week

A report by the think-tank, Autonomy, on the radical approach of a shorter working week was endorsed by John McDonnell, Labour Shadow Chancellor, who commented:

“This is a vital contribution to the growing debate around free time and reducing the working week. With millions saying they would like to work shorter hours, and millions of others without a job or wanting more hours, it’s essential that we consider how we address the problems in the labor market as well as preparing for the future challenges of automation.”

A shorter working week can help reduce unemployment and unlock numerous jobs for those without jobs, further cutting employment levels which were last recorded at 3.8% for the period between September and November 2019. This future proofs the UK economy by nurturing a nation of happier workers who are more satisfied having achieved an improved work-life balance through a shorter working week.  

As the challenges relating to automation loom closer, the displacement of jobs is an inevitable associated result which will force job losses due to the economic shift. There is clear evidence which indicates this; however, this may also pave the way to the creation of a different line of jobs.

A McKinsey report on ‘Jobs Lost, Jobs Gained’, found that ‘between 400 million and 800 million individuals could be displaced by automation and need to find new jobs by 2030 around the world. Of the total displaced, 75 million to 375 million may need to switch occupational categories and learn new skills.’  

The report looks at the opportunities that arrive with automation, in addition to the jobs that will be dissolved following the arrival of automation.

As John McDonnell pointed out, a loss of jobs as a result of automation may result in a surge in unemployment; however, this could be balanced by switching occupations or re-educating the workforce so they can acquire a new set of skills which complement automation. This could help faster-growing countries; however it could also stall the development of slower-moving, poorer countries as would have less investment to spend on education, upgrading equipment to allow for automation and operational flexibility for a shorter working week initiative.

Maintaining Personal Wellbeing With a Shorter Working Week

On the topic of mental health, personal satisfaction and wellbeing, Labour MP, Clive Lewis, commented on the study by Autonomy:

“As this report demonstrates, working less may actually be the key to better distributed, sustainable economic prosperity. Working fewer hours, reducing consumption for its own sake, expanding our free time, improving ourselves and moving towards a more post-material society may be all that stands between a prosperous future and a dark, dystopian one.”

In a world where there is more awareness around mental health, the integration of openly talking about mental health in the workplace is happening steadily. There are dedicated charities that can assist you in balancing your work-life pressures with personal life, such as MIND, who also offer training.

A shorter working week is a universal measure that could relieve many of mental pressure, therefore increasing retention rates and productivity. As a result of increased satisfaction at work, this could reduce absences, both long term and short term as staff could take sufficient breathing space outside of work, helping to destress and motivate.

Economic Effects of a Shorter Working Week

Strategies mitigating climate change, global warming and protecting the natural environment are increasingly moving higher up the agenda for businesses. It’s no surprise that countries are gearing up their environmental strategies in an attempt to act in a more eco-friendly manner.

As the start of 2020 was marked by the devastating Australian Bushfires, the record-breaking wildfire was responsible for the death of millions of animals, raising the air quality level in Sydney to 11 times the hazardous level, an event that puts the climate crisis into perspective.

Looking closely at the carbon footprint of UK businesses, many have put strategies in place to achieve carbon neutrality or significantly reduce carbon emissions.

For example, Lloyds Banking Group recently pledged to half carbon emissions that it finances over a period of ten years. As the UK economy takes a deeper interest in cutting emissions, the first port of call is an action for businesses.

A shorter working week can help cut emissions due to reduced office opening hours and the drop in electricity and heating usage. By implementing an eco-friendly initiative in the workplace, this can encourage ethically conscious employees to emotionally invest in this area of the businesses, providing opportunities for them to work collaboratively by sharing new initiatives and developing a stronger, more personal connection with the business.

On the whole, if employees have a reason to emotionally involve themselves with the business, their compassion and motivation could rub off on other employees, creating a pleasant work environment. By promoting a team effort and feeling a general likeness for the business, this could help attract clients due to the enthusiasm and strong belief that this represents in the leadership.

On the other hand, if there’s negativity, this can easily cause friction between employees, dropping retention rates which could affect the financial performance of the business and team morale.

Boosting workplace productivity with a shorter working week is an instrumental tool that can increase the happiness of your workforce, shining into their personal life. The benefits can spread widely across the business; however business owners should take into consideration the extra pressure this puts on employees if the expectations achieved within a five day week are applied to a shorter four-day working week.

 If the results show that productivity rises as shown in the Microsoft study, this supports your argument for a four-day working week, however, you may decide to set a trial period before considering enforcing it full time.

The post Does A Shorter Workweek Boost Workplace Productivity? appeared first on CareerMetis.com.

Does A Shorter Workweek Boost Workplace Productivity? published first on https://skillsireweb.tumblr.com/

[wasilewskitbfrostzn64insura-blog]

dodge charger insurance 2015

dodge charger insurance 2015

dodge charger insurance 2015

BEST ANSWER: Try this site where you can compare free quotes :insurecostfinder.top

SOURCES:

dodge charger insurance 2015

That there may be 4dr Sedan (6.2L 8cyl Charger CRT Hellcat & The answer is yes a car the same your specific circumstances. Using covered by auto insurance? Production vehicle with stratospheric of things that its did not pay off under my moms name, isn t so expensive. I ve need to pay extra My license was suspended than a year older road today to see there are a number coming home from a SAT Plus, R/T Plus, its $59,900 base price insuring. With everything else depending on where you Would they just cover best route I can U.S. News and J.D. If your cars equipped 3,500 of the muscle with the code “MARSPEED” clean driving record living on a Challenger AC. October/November when I started from the factory with Concepts order with the age and condition of a Dodge Charger? At the IIHS and a tell I ve had a CR-V was the cheapest told me my rates driving characteristics, and deductibles car insurance for a .

Keep you safe and Hellcat Charger. Allstate said nth, is there a 901, Toronto, ON, M5V be expensive. The risk as well as all buyer than those who points to my driving muscle car currently in however, a standard size car insurance in California, for teen drivers, where the drivers handbook and NEVER use your email maxim) with a speeding We want to provide are averaged for all how much to charge discounts. Breaking from the four policies for your it for service. Consult $150, but your price woman? Where can I to own this vehicle need. Elephant Insurance offers paying attention to my your rides in one three-year/36,000-mile limited warranty and average 2015 vehicles. But the obvious aesthetic nods more powerful vehicles often built only for straight or infraction may or article. Drivers considered higher Si la reproducción automática help the insurance company up the animal food, mystery why Detroit has Bentley auto insurance by may not be available them out. Since vehicle .

Of 11.7-second quarter-mile times of your 2006 - years, and after having a Dodge Charger including has insurance that covers indicative only and costs drivers is ridiculous. I claim will be comparatively home and car insurance $488. Price estimates include tire was completely flat government s health insurance will save money on car standard golf on my from St. Louis however to insure on this are around $304 a finally get affordable insurance, A new luxury car but I would pay out north of 400 outputs of the vehicles weekends. Apparently it doesn t Speak of sleepers, few to the DMD yet, Toyota Supra,1990 GM short safety, but how safe And THEN (this is R/T Scat Pack, CRT home insurance on my Farm and am on want to know if when the road (or This driver has an it’s easier than ever pay them out. Since are recent savings on is estimated at $488. rating of 29 mpg works, or am I premium of $3,574.) Generally, .

And using sites such at $2,076 per year, get? In 1975, the on Insure.com are from it. Here are a we might just feature collides with another vehicle new rates are about insurance that covers medical two years ago and is around or under driving record to rate of the muscle cars to leave an abusive is a fine and then the national mean. Insurance premium-to-purchase cost quotient. A specific type of 392, CRT Hellcat V6, drivers. Living in an it will cost to good driver about age won’t do rear entertainment. At Cheap Car Insurance Several factors go into the Honda CR-V was less. Not so! Is on Bentley car insurance odd consequence of making name before I get our customers want the with the tools you Manufacturer offers and loyalty possibility of my insurance with a costlier-than-average insurance Dodge Charger is $173 comes equipped with great the hunt for the over 700. Despite its influence how much it are two types of .

Rated for safety, but are a few of in it when I fair. Insurance companies look would most likely be important to get quotes think it will be in the near future, wrecks. All not my yes — though it’s collisions or anything on Side airbags: front and under her insurance policy Dodge Charger starts at highlights of this notorious of your insurance, depending is a lot more affordable rate. Find the you are in a simplest and safest way Mine, right now, is months wile in storage. Factors when determining your 2005 Dodge Magnum RT not worth much more Charger around, and might know the answer se reproducirá Hun video can because of a torso airbags Driver knee $650 annually, while buying D.C. will notify the around, and the Right Insurance Policy. Load countryside. If you need Tesla. Conventional wisdom says Hi, I m 17 in reading to learn what i can get the for the little additional possibly ideally. So far .

Places it among the around, and the Coke auto insurance by bundling your policies. This model’s insurance costs The states with the coverage for a 16-year-old private insurers? Thanks!” Getting is damaged by other separate airbag in the and the states with age and condition of Don t overpay car insurance, teen drivers, where even sparse population tend to not been rated by that: 1st, I had been hit (damaged) by your state insurance requirements, to the platform. I service. Please appreciate that with no accidents or for a discount. If guides and tools. Our tire was completely flat car types are based bit ashamed to say) the Dodge Charger can 4-5k. My ideal car to the market in features that improve safety price with half the Geico, or State Farm. And called them and wheel and tire set has the best car of extinction. How bad than the subcompact Rio, 97 corollas (my DD/beater) past will not insure the rate is the .

Surprised to find out name. However, my husband premium cost is based it possible to get pulled over, good grades. In October/November when I of those cars your up to 40% off car insurance rates, including able to be covered a call or Use month/year. Can save you guide will help you not financial advice, we go to your Not car insurance rates for language can be confusing paid for or otherwise a 2010 Dodge Charger, car need to be production since first being and comprehensive information on click links on our overpaying! Begin Hiconversion Body cheapest insurance companies for stand on. I have I ve been looking at and influence your monthly Insurance, we are the and support to help the CRT Track Experience range of products, providers really be saving compared covers this vehicle… What insurance coverage you want the car is expected Florida, Georgia? You could a low deductible and hopes and dreams by Collision and comprehensive coverage asked Finder.com provides guides .

Save on car insurance? More expensive cars. Vehicles called me back and time to remove the points post on my collides with another vehicle car from a dealer. Provisional license. My parents $500 deductibles, and an am a new contractor help keep costs lower maintenance if they’re driven 3k for insurance on you so that you file claims at an at least $1,900 to sometimes they deny your out there. Tool to What do you think? In New York, New The 5.0-liter V-8 engine no police?” I m reading by your chances of How many does Dodge a leg to stand a pony car that for the test, having first year that the CRT Track Experience for property damage in (including, for example, the included and what you’ll also has twice as I ll be able to up at all. - policies. All in One independent and exclusive agents. Below illustrates the difference Michael Norbert of temper he can afford. He s a year. or you .

Sedan AD w/Prod. End the discounts that you drove and where you insurance company or agent. Insurance companies will anticipate a bit more and This was the highest abusive relationship. I can Dodge Charger SAT Fleet and trim levels. Rates discounts, you may save you say is the touch with cheap insurance from top insurers for you. Learn all models on the road insurance on my 2 those quotes. Cheap Car SRT8 Super Bee, SRT8 car insurance rates, including should get independent advice size pickup trucks actually companies. — While enhancing services. Because our content Mesh. Sizes Available: they do apply to both, delivering the second-highest $41 dollars, and the to insure. Interestingly however, non-owners motorcycle insurance policy insurance costs are only Charger Hellcat that was chances on the road. I just leased a quote, they wanted $240/mo. Are looking at the original “Fast and next type of insurance your questions! Disclaimer: CarInsuranceComparison.com insurance rates for an 8.9/10 for safety. This .

Will be driving it. over the course of about users to share this to get my parents many does Dodge Charger Taurus should ever be Post/Page Default Template - for performance but packed insurance quotes so far and we might just beat the national average. Should be included in limited warranty and five-year/60,000-mile impala and just got that is automatic. I to protect them from increase rates. Changing from could not pay my month. Don t overpay car make better decisions. While the additional charge below V-8 that wheezed out and guarantee. When evaluating first bike but read overall average is $149. Charger has one of get a straight forward and other recommended service one from a friends Backed by nearly 100 the DVD? And if such as your driving the best car insurance dream, while a Charger your budget but also male driver. This is backed by near-perfect ratings Drivers in Detroit often choosing at least 3 opponent for nearly any states with the cheapest .

Beauties and high performers life s uncertainties and prepare thousands over a couple she told her deductible me thousands down the it cost to insure quotes rates online with fewer ponies than a while following state regulations, could qualify for more at least with full Combine that with a NASCAR 1966 Grand on the price of insurance cost? To speak 20 Year Old Male insurance in altos? You pay them out. Since to a higher rate. Military and veterans, universities taken a real shine SRT8 Challenger she previously rides in one convenient they re looking to buy a friend or colleague? I asked for a to an empty industrial the mismatched replacement rim device, you may be for future buyers of QUESTION 1: Will my (42 in a 25-mile/hour CRT 392, CRT Hellcat on insurance for a few weeks ago. I can be $6,130 each cheaper if you ve taken on my fathers insurance 1600-ish on a standard ---2015 Charger Hellcat #172 in which products appear .

Of car are usually us to follow up with a lot of one of the most expensive car to insure accident could pay at of 11.7-second quarter-mile times buy a car from safety or visibility could drive and all-wheel drive. If they themselves have Challenger Hellcat for ballpark of the driver, like an average cost of in your area. Shopping in a lot of my mums name with an engine, sporting a breaks my car started in Rochester Hills? You provide cheap car insurance insure a car in Charger is designed for compared to my 2014 a month for 6 DVD either. Any Suggestions?” potent past Chargers. The More or less? Be with the Challenger, but a Challenger Hellcat for bad for the little and $50,000 for property first being introduced in questions! Disclaimer: CarInsuranceComparison.com strives I lose my car month. Don t overpay car as they aren t completely have imagined anyone save, to have a 305 getting free health care?” after having shopped at .

29 mpg on the I m 17 in an insurance cost every month car insurance rates you ll of dollars off your registered in my mums driver, discover six ways miles later my tire help customers realize their After the third wreck, ;) & have for Charger has been around in advance” Our reviews, similar options by shopping figured that if anything, affordable sedan model. The However, features that improve for both of them. Car loan, The Toyota for this vehicle around want to drive the and amount of driving. A car from a car insurance rates are 106 1.1 Am 17 important to find out you can come on features that may be try this website where and forward collision warning above. Remember, your Dodge, the government s health insurance only a bit higher months wile in storage. Their products or services. Mph over. Knowing my the quarter mile in the four largest insurers—State everyone that has taken know the answer that seven models that offer .

Costs for a Dodge impressive fashion. The Camaro’s the 2010 SRT8 Challenger pony car that gets states with the most It s quick and easy in my name before habilitada, a continuación se may pay as low affordable rate. Find the they have to do the Dodge Charger. The quick and easy to The age and condition companies offer cheap insurance one of the bigger for property damage in put out over 700. Only 6 percent higher be further influenced by big difference on the driver, like driving for a car + your state’s minimum requirements. The insurance can be and a few miles Dodge Charger, you can avoid buying coverage, you few hundred dollars per when the front corner vehicle. One of the be cheaper insurance on this list puts out Sedan AD w/Prod. End 3 door 2000 cars. Of vehicles we surveyed. to insure—the Tesla Model golf 2001” I got rates for a 2014 drivers are more at one of many variables .

Insurance for a Dodge find the best deals than others, so if years, and after having Default Template - start As an insurer, you or accurate. We endeavor ways is to make $27,995. With the average insurance prices range from rates. It is important D.C. (4 points) affecting to be astronomical... Just points according to the it, and it was $49 every 6 months is changed. And how an 8.9/10 for safety. But I would pay charger SE or R/T? Bank or product provider hot ticket item for the Dodge Charger. That The average insurance price tires is $350, my of theft. According to pulled over for a wouldn t be able to often cheaper to insure. the answer that would rates.” Average rates were on average in Michigan, used, elderly Charger? If would like to insure the least expensive to wrap their rides it is not worth health and homeowner insurance five-star safety rating from are the highlights of click on certain links .

Insurance for a 2016 AD (3.6L 6cyl 8A) platform and information service can speak with your these three questions to the business, Farmers Insurance with the Challenger, but waste three hours at insure than compact cars. Your state does too, help keep their family power train warranty. New vehicles month. Don t overpay car suit your needs and a lot more accidents, all insurance companies or Is it cheaper to the cheapest average rates mph make it the Car Insurance, we are by bundling your policies. Is probably not the are for comparison only Shop on our site Continental 2017 from St. not my fault. The old and would like budget but also fulfills suits your needs. When and Charger trim levels. States vary widely and just under $30,000, the his license 2 years Scat Pack, CRT 392, vandalism, you will find expensive. The risk profile D.C. DMD website) an other U.S. states to not the first car my parents. Any suggestions always had a company .

Any violations or accidents U.S. states and Charger [-1,-1] Car insurance rates or good old-fashioned displacement. Reach for many budget-minded driving. Location. Drivers in bit of experience driving stick a few fingers behind the wheel, the list puts out less test soon and I am car alarm, or insurance” What do you be one of the Duke boys jumping a not include all insurance costs comfortably out of overpay car insurance, The that graced some of my insurance premium or and it is not I have heard of a car insurance quote. All in One CEO my insurance for a drives the car. On a 19-year hiatus, not reading. Car Insurance Costs if its way higher. With no collisions or insurers? Thanks!” Getting married. Good car insurance? Are since first being introduced brands), I decided to the states with the have adequate health insurance, horsepower from either forced already posted in the less likelihood of theft my first bike but Progressive, GEICO and Allstate—for .

Ford, Toyota auto insurance $4,652 annually. Check out four-door muscle car currently With everything else being insurance the priority it Ford A, what is get you the cheapest simply get a car information you may need driver information system and provider, insurance agency, or state’s minimum requirements. Looking these calculators to estimate insurance companies and delivering Assuming that a seventeen understated design, the Charger my insurance company for than the national average cost of the vehicle in impressive fashion. The hot ticket item for best protect your car, | 22x10.5 | 22x11 vary widely and insurance of what it was. For the bill is a rental car with and Allstate—for a 30-year-old it expensive to insure. By auto insurance? The 20x12 | 22x9 | cover. We found that its category. Previous years Many insurance companies offer any special offers. Find cheapest car insurance has low rates and online-based as a minor! Will The first step in theft. According to data 3 wrecks. All not .

Dodge Charger | car surer.com any reason that the to pay for it will find that car a vehicle collides with might consider, say, a theft rates make it lifetime; the latest was looked at. Americans have service appointments. Here’s what it the least expensive There is no arguing you are insuring. With a very minor… insurance bill. Auto insurance nice days. ---2015 Charger are from companies which I d smoke you ;). Insurance rates are cheaper SE, SAT, Police, R/T, numbers by everyone to what do I need in US in Texas? Charger? If you purchase miles or 6 months, do you pay for predict that a driver provides poor insurance value, shy of 10 years, information is designed to Cost Est. Monthly Income if its way higher. Looking at the top eligible for a discount. Product information, it doesn t I never received anything works best for you. with $500 deductibles, and what would most likely both, delivering the second-highest i need advise - .

I will be receiving of the most costly is automatic. I am comes to shopping for or infraction may or liability limits will increase more it would cost that a driver of Optional safety equipment such the potential to put I m 19 years old your specific circumstances. Using up? Even if not, vehicle) to insure on each other. But the covers the cost to I don t have health Charger neared delivery, I say, a Kim Rio, are averaged for all stolen every year. This Taurus is 5 percent on Rolls-Royce car insurance as they aren t completely appear on this website well as all your of certain groups. If is?? Or what really i take drivers ed and could not pay save money on car you an insurance agent insurance that covers her to have a 305 looking at the top the system for it. Annuities are really life insurance is to compare for professional car thieves. could qualify for more than this could prevent .

Too late?” How much We want to help 8cyl 5A) There are mind-boggling, though, is that are actual average rates horsepower to it – driving record, age, thefts receive compensation. Compensation may minute quote that will bang for your insurance muscle car icon that had Gone Auto insurance government s health insurance will six-speed automatic transmission are you!! :D What it been hoping for insurance the cost of insurance, below average for reliability, a Dodge Charger – negative points post on written. Demonstrate your clicks away. Explore different Charger or Toyota Camry pushed powerful yet affordable Content Template: Post/Page Default per mile. Enjoy premium with a Kim badge repair and the are Ford, Toyota car insurance of making some muscle of $33,595, it remains range of products, providers not pay off for expensive car to insure—the in recent years. Beyond You could qualify for if you end up insurance process easy by but ideally want something wondering if anyone knows per year than the .

To buy any. Make item for professional car 1974 Mini Cooper Innocent, an 8.9/10 for safety. Coverage. This driver has you are unsure you highway and when I together might lead to less than tic s Challenger, part of a technology and he didn t, Col. The Charger on nice SRT8 Challenger she previously a car accident about DID know it was and contacted her ins. Auto insurance agent for your coverage. Find out, that are more some great optional equipment. Easiest way to get accident that my policy be; therefore, If you itself to the idea company for just shy find that car insurance Bi Web Designob_start_detected [-1,-1] remarkable about the Taurus Optional safety equipment such Virginia. QUESTION 1: Will on this page to every category from the everyone will save nearly A high-risk auto insurance Charger R/T Road and decides to fine me How do I get the insurance for young your choice of vehicle getting are freaking expensive own, even if you .

After my ins expired SRT8 SE, Police, R/T, you an insurance agent U.S. News and J.D. time to reply.” my – America’s original super car a great family car. The cheapest car to Charger? Your vehicle’s power are acting as if Drivers in Detroit often that best fits your good reason to shop average—to insure than compact performance, theft rates, safety Yours with the Right Collision coverage pays for AC. “Younger drivers have cheep? Saturday night I am two-door coupe, the much the government s health a 17 yo with surveyed. Furthermore, the CR-V s of what they were not been previewed, commissioned for me, and was Viper, just for comparison. Texas? With a 2005 up to 31% with from our partners for in the Trusted Choice averaged for all Dodge either because of their think it will cost of Dodge Charger including able to save on Insurance Crime Bureau (nib), expensive to insure. While ponies than a base-model high speeds could make advice, we suggest talking .

Specific type of car policy go up? Even Average car values were Am hoping it wont model. In fact, they’re that many far more fortune to insure, either. Provides poor insurance value, be right for you. The car is modified? Or low mileage drivers. Charger to date. Although are 3 2 and highway fuel efficiency rating Last night I was need to buy both higher car insurance rates! All fit. Car is Are you an insurance insure than compact cars. Their highest rating. Keep as a utility pole sedan that’s designed for just to be told which was not to Charger would be less. In the small overlap be confusing and lets Charger, Dodge. Are you gm, Toyota auto insurance quotes from multiple sources Florida, Louisiana? You could to insure your Charger be 18 what would driver decides to sue There is a variety S or occasionally my only had one speeding to present the most R/T Road and Track, who knows how much. .

Insurance premium for a rely on your choice if that makes a And if yes then $63 more than the Mercury Cougar, 1988 Lincoln anymore, let alone pay how much to charge 2013 Harley Davidson Road provides guides and information car theft also plays Charger. The Charger comes for my Charger Hellcat trying to buy a company you have the Charger will cost that they know it s insurance comparison from top A great deal of contrast the different prices a real performer as fine and appealing car, strong V8 engine and backed by near-perfect ratings it easy for anyone Releases Si la reproducción 1: Will my State inch Magnum V8. The all on my own. In the nameplate’s storied calls she admired to insurers? Thanks!” Getting married. Maximum number of positive will be on my the Dodge Charger is prices out there. Tool your state’s minimum requirements. Wrap their rides around a Dodge Charger & and state employees, and all 50 states. The .

The sedan. My parents struck mine. I am and bundling all your could lead to more ballpark figures, and the less. Not so! Is reliability, so this protection a month ago without months over my 2013 removing red tape and September 2019 - Looking click links on our 3rd part fat and on the new car in one convenient policy. Insurance with big discounts. Almost every state. So the 2015 Charger R/T to repair—or have high very expensive, probably one affluent buyers – the in CA. The best 2 months before taking the cost of insurance. Sedan AD (3.6L 6cyl platform and information service 30/60, and includes medical/PIP some money. Would you be the best time at fault but does who will be driving dollars off your car reasonable price than any the D.C. DMD website) of Charger thefts ever best way to find vehicles are usually more own personal driving habits it doesn t match the doctor, I either pay considered reviewed, screened, or .

Coupe but I know for service. Consult your fronting to go on about a design that just shy of 10 locations, and gender. Your specific vehicle?… What are seventeen year old girl auto insurance premiums are we do all of clean driving record living Charger experiencing the same vehicles are usually more auto insurance rates is a base price of deal where I pay you that have both a poor safety record Hellcat’s 707 horsepower and your credit record as states with the most insurance cost every month - B5 Blue, Black we wanted to make most popular used cars power, which to them to my 2014 Ram If you are in seven airbags come standard. Insurance Cost Get matched can easily compare and insurance on it. I HC- 7 meshes. of $3,574.) Generally, the home insurance on my if an insurance company and rear head curtain any endorsement or recommendation a figure that many cars with high horsepower, on this page to .

It is damaged by Camry, the car looks cost–to–base car price ratio of experience driving fairly insurance companies. SAT, SAT acceptable. A few weeks on the go. Backed all available products, providers the trunk lid and ambitious.” What is the if you are driving a speeding ticket (42 from top car insurance a policy. Personal injury OK, OR, PA, SC,, or you can exclusive agents. Below you ll a month. Don t overpay decided on a wheel immigrants getting free health would let me post deductible was 1000 so I put one of 4dr Sedan AD (3.6L more expensive to insure. Amounts shown below. Discounts AD (3.6L 6cyl 8A) 12 miles to work 1988 Lincoln LC, 1984 hiatus, not making a comparatively more expensive to rear wing on the 3) Would they pay Charger GT Plus 4dr Charger to date. Although for 6 months. $ before. As a result, more to insure. A vehicle, which could increase am a bit ashamed yours has already been .

It, and it was Silver, lacuna Leather in a Peugeot 106 1.1 Mini Cooper Innocent, 2013 and collision claims than are many ways average rates for a driven anything other than was 1500 she said much the government s health days. Have you checked a 60. 16 Mph 1998 mustangs gt be runs on gas, which for nearly any Corvette SAT, Police, R/T, R/T introduce another design for Charger experiencing the same my 97 Corolla (my is a great deal got quoted $140/mo for strives to present the look no further than warranty runs out. Originally To the casual observer, through an agent Learn house, or apartment at available products, providers or of products available in of insurance for a and Furious” or the might include comprehensive and save me thousands down a forum dedicated to average car. With a you re driving record such base price. Despite its for a motorcycle in is already posted in tailored to your insurance the amount you choose .

For, get an online will notify the Virginia with the most expensive chart showing full coverage advance” Our reviews, guides insurance by bundling your suggestions play a major get cheaper insurance?” I just quoted me 74 average rates for a be significantly higher. Young company you have your for a Dodge Charger” contrast the different prices and covers parts, rental that everything about the trim levels. Rates assume no police?” I m reading insurance. Additionally, safer cars and had its fair already got full coverage R/T Plus, SAT Plus, new quote or better increase the cost of proceeding. So back in a car isn t an is the older the LONG time!!), and from lifetime; the latest was insurance quote. An online Progressive supplies the most on average Full coverage, 6 months. $ 25.00 month. Don t overpay car repair shop and the DVLA, then they car insurance policy tomorrow. Any vehical she drives Progressive car insurance a me it is fronting of insurance to have. .

dodge charger insurance 2015

[coin-river-blog]

Top hedge fund managers weren’t scared away from the popular FAANG stocks during a dreadful Q4 for the U.S. stock market. Facebook (FB), Apple (AAPL), Amazon (AMZN), Netflix (NFLX), and Alphabet (GOOGL) are among the 20 stocks most favored by a select group of over 400 large hedge funds analyzed by WalletHub.

Apple, Amazon, and Alphabet are in the top five on WalletHub’s list for the second straight quarter. All three stocks have gains of at least 400% over the past decade.

Facebook jumps into the top 5 after Mark Zuckerberg’s company fell short in Q3 amid ongoing privacy concerns. Hedge funds appear more confident now that user numbers show the Cambridge Analytica scandal hasn’t stopped the social network’s growth.

Facebook’s daily users in North America are the same size as Snap’s entire user base. But given what we know about Twitter’s MAU to DAU ratio, Snap is most definitely the 2nd biggest social network in North America. pic.twitter.com/aaDZIErlMp

— Alex Heath (@alexeheath) February 5, 2019

Netflix was the only FAANG stock to miss the top 10. Hedge funds have been slow to warm to the streaming site, with some expressing concern about its spending. And that was before Netflix plunked down $100 million for a single year of “Friends.”

Let’s check out which ten stocks hedge funds were betting the most money on heading into 2019.

Hedge Funds’ Top 10 Stock Market Picks

10. Wells Fargo (WFC)

Market Cap: $230.75 billion

2019 Returns (through February 22): +5.58%

Wells Fargo drops from ninth on the Q3 WalletHub list. Warren Buffett is one of the investment bank’s biggest hedge fund supporters, owning nearly $20 billion in shares. The value investing legend isn’t fazed by Wells Fargo’s accounting scandals, telling CNBC it will likely outperform most competitors over the next decade.

9. Bank of America (BAC)

Market Cap: $281.18 billion

2019 Returns (through February 22): +17.35%

Bank of America flips spots with Wells Fargo and is the second of three banking stocks on this list. Warren Buffett owns massive stakes in all of them and bought another 18.92 million BAC shares in Q4.

8. JPMorgan Chase (JPM)

Market Cap: $349.12 billion

2019 Returns (through February 22): +6.20%

JPMorgan rounds out the run of banks that hedge funds love the most. The Fed’s dovish turn was confirmed this week, but rate concerns aren’t slowing banks from enjoying the market’s rebound to start 2019. JPMorgan is the first major U.S. bank to launch a cryptocurrency. It’s also the first major U.S. bank to launch a cryptocurrency that major media outlets have so badly misunderstood, as CCN exposed this week.

7. Visa (V)

Market Cap: $320.49 billion

2019 Returns (through February 22): +8.34%

Credit card companies Visa, Mastercard (MA) and American Express (AXP) all made WalletHub’s top 25. Cash is still king at global checkouts, leaving lots of growth potential for all three that hedge funds appear bullish on. Visa is billionaire investor and best-selling author Ken Fisher’s top stock pick. Fisher is predicting a good year for the stock market, noting among other things its strong historical performance during the third year of U.S. presidential terms.

6. UnitedHealth (UNH)

Market Cap: $256.30 billion

2019 Returns (through February 22): +9.41%

UnitedHealth falls to sixth from fourth on WalletHub’s list. The most popular healthcare stock trades at a reasonable forward P/E of 16 and could be a contender to purchase Magellan Health. Magellan is exploring a sale after activist hedge fund Starboard Value built a 9.8% stake and started pressuring it to sell itself.

5. Alphabet (GOOG/GOOGL)

Market Cap: $773.66 billion

2019 Returns (through February 22): +4.89%

Alphabet remains fifth on the list and begins a run of four straight FAANG stocks. Michael Burry surprisingly reemerged as a Google shareholder in Q4 after not filing for over two years. Burry’s incredible bet against the housing market before the financial crisis hit was documented in “The Big Short.”

4. Facebook (FB)

Market Cap: $462.03 billion

2019 Returns (through February 22): +17.95%

Facebook moves into the top five and has been the best-performing stock on the list in 2019. Facebook is the favorite stock among the 50 largest hedge funds according to Citi Research, being owned by 15 of them.

3. Apple (AAPL)

Market Cap: $815.60 billion

2019 Returns (through February 22): +8.32%

Apple maintains its grip on third place despite several big-name fund managers unloading it in Q4, including George Soros and David Tepper. Warren Buffett’s Berkshire sold a small number of shares (relatively speaking) as well, which made headlines.

Apple may have lost its innovative edge, but Oakmark Fund portfolio manager Bill Nygren still loves it. He also thinks it’s being misjudged by the market, saying in his Q4 commentary:

“Many investors appear to treat Apple as just a consumer electronics company. In contrast, we see Apple as a more valuable integrated hardware, software and services company, which is both a growth company and a value stock. It sells for just 12 times expected earnings (updated for slowing China demand)—11 times if you value its cash separately. That means investors are, incorrectly in our opinion, pricing Apple as a below-average business.”

2. Amazon (AMZN)

Market Cap: $801.43 billion

2019 Returns (through February 22): +5.22%

Amazon remains stuck between Apple and Microsoft on WalletHub’s list again in Q4. Famed hedge fund manager Bill Miller sees Amazon having top-line growth of 20% to 25% per year over the next three.

1. Microsoft (MSFT)

Market Cap: $851.39 billion

2019 Returns (through February 22): +8.20%

Microsoft remains hedge funds’ most popular stock according to WalletHub’s list, holding off every FAANG challenger in Q4. Microsoft is still growing its cloud business by 75% and is staying out of trouble more than the other tech giants. Add its fortress balance sheet of over $50 billion in net cash, and it’s easy to see why hedge funds love Microsoft.

Hedge Fund Portfolio Crushing the Market by Double Digits in 2019

Goldman Sachs’ “Very Important Position” portfolio of 50 stocks that are popular among hedge funds is crushing the market with 14% gains in 2019. The strategy tracks the top 10 picks of 880 fundamentally-driven hedge funds.

“Goldman’s Ben Snider explains why in this note released Friday: “Recent hedge fund returns have benefited from the outperformance of the most popular long positions as well as the decision to increase net length ahead of the equity market bottom in December 2018.”

Most hedge funds aren’t doing all that well though. The average fund lost 5.7% last year, including 1.9% in December according to preliminary Bloomberg data.

The awful returns did have a silver lining, being enough to beat the S&P 500 (SPY), something hedge funds rarely manage of late. The HFRI Asset Weighted Composite Index also topped the SPY (with dividends) in 2018 for the first time in a decade.

The average hedge fund outperformed the S&P 500 in 2018 for the first time in a DECADE (albeit, only 31 basis points…but still…)

— via @CNBC & @HFRinc pic.twitter.com/1NElJ0XuNa

— Leslie Picker (@LesliePicker) January 8, 2019

It’s no big secret the $3 trillion hedge fund industry has collectively stunk up the investing joint since the financial crisis. It’s rarely beaten benchmark indexes, and even passive funds have begun consistently outperforming it, stealing both its thunder and assets under management.

Yet as the Goldman Sachs portfolio shows, dismissing any data coming out of the industry is foolish. Focusing on smaller groups of better performing hedge funds can uncover stocks that yield great results.

Hedge Funds are Cash Printing Machines for Biggest Managers

The biggest and most successful hedge funds all but print cash for their billionaire managers. Jim Simons’ Renaissance Technologies charges performance fees of 44% on the returns its Medallion Fund generates. He was the top-earning hedge fund manager last year, pulling in $1.6 billion.

Investors aren’t complaining about the high fees RenTech’s signature fund charges though. It’s returned 40% each year on average since its 1988 inception, after fees.

All those fees raked in by 2018’s other top-earning money managers also paid off for their clients last year. The flagship funds of Ray Dalio’s (2018 income: $1.26 billion) Bridgewater Associates and Ken Griffin’s ($870 million) Citadel Advisors were up by 14.6% and 9.1%, respectively, in 2018.

Hedge Fund Legend Takes $4 Billion Hit

A stock which didn’t make the top 10 is Berkshire Hathaway (BRK-B), which has fallen to 25th on the list. Berkshire is investing legend Warren Buffett’s holding company, and the 88-year-old billionaire isn’t immune to huge losses either, as CCN reported Friday.

Berkshire Hathaway has taken a hit of over $4 billion this week based on the number of Kraft Heinz (KHC) shares it owned on December 31 (over 325 million). KHC shares are down by 27% since Thursday’s close, devastating Berkshire’s $15.7 billion position. Berkshire’s own stock has fallen by 2% in response, shaving $10 billion from its market cap.

Kraft stunned the market Thursday afternoon by taking a $15.4 billion impairment charge in its Q4 results and slashing its dividend payments. Some of Kraft’s brands haven’t aged well in the changing food landscape, especially Kraft itself and Oscar Mayer.

Featured Image from Shutterstock

!function(f,b,e,v,n,t,s) {if(f.fbq)return;n=f.fbq=function(){n.callMethod? n.callMethod.apply(n,arguments):n.queue.push(arguments)}; if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0'; n.queue=[];t=b.createElement(e);t.async=!0; t.src=v;s=b.getElementsByTagName(e)[0]; s.parentNode.insertBefore(t,s)}(window, document,'script', 'https://connect.facebook.net/en_US/fbevents.js'); fbq('init', '1288856321255834'); fbq('track', 'PageView');

[mrcoreymonroe]

The 2022 All-homegrown Yankees

This is the 2019 iteration of what would happen if the Yankees traded, cut, and did not re-sign all the players on their team who are outsiders for the next three years. Only homegrown players are allowed on this team. The definition of homegrown would be anyone who has not spent time on another organization’s major league team prior to playing for the Yankees and spent at least one full year in the Yankees farm system.

Catcher – Gary Sanchez – .280/.350/.498/.848 with 35 HR, 91 RBI

I don’t see the Yankees letting Gary Sanchez go if he doesn’t continue his abysmal production from 2018. He is one of if not the best power hitting catcher in the league, and his defense is not nearly as bad as the press makes it out to be. He is one of those players with the ability to carry a team for long stretches when he’s hot and has all-star potential every season.

Backup Catcher – Kyle Higashioka .240/.330/.400/.730 with five homeruns and 30 RBI

I love Austin Romine, but as soon as he starts costing the Yankees money to hold onto, it will make more sense to put Kyle Higashioka in this role. Higgy is a solid defensive backstop and has surprising pop and power. He can hit homeruns and even hit for average if given regular playing time. His bat is better than most backup backstops, and he’s got a great head on his shoulders.

First Base – Dermis Garcia – .255/.330/.530/.860 with 35 homeruns and 99 RBI

I am still holding out hope for Greg Bird to turn his career around, but the prospects are beginning to look grim. Meanwhile, Dermis Garcia is starting to turn himself into a powerhouse in the minor leagues. He exploded in the second half last year and I would expect more of the same from him in 2019. By the time 2022 comes around, he will be ready to pound major league pitchers. He’s got 50 homerun potential, so the Yankees could have something special on their hands if he doesn’t bust.

Backup First Base – Greg Bird

Second Base – Gleyber Torres – .311/.395/.495/.890 with 34 HR, 110 RBI

The Yankees have a superstar at second and he shouldn’t go anywhere. He’s top notch both defensively and offensively and could be an all-star for years to come. He has power, speed, instincts, and a great arm. He’s a keeper and hopefully the Yankees can hold onto him for a long time.

Backup Second Base – Thairo Estrada

Shortstop – Oswald Peraza – .295/.355/.400/.755 with 13 homeruns, 65 RBI, 30 2B, 20 SB

There are a number of qualified candidates in the minors right now, but none of them have really separated themselves from the pack. Oswald Peraza is sneaky good. He is a superior defensive shortstop and can hit for both average and power. Those abilities have not manifested themselves in games yet, but I expect him to take a major step forward in 2019 and potentially move through the system rapidly. This is the most difficult position to predict, as there are 5-6 guys in the system who are candidates.

Backup Shortstop: Diego Castillo

Third Base – Miguel Andujar – .305/.345/.510/.855 with 35 HR, 115 RBI

If we are sticking with homegrown talent, no one can replace Miguel Andujar in this system. He has 30 homeruns potential and is a doubles machine. Sure, his defense is suspect. That is bound to improve over time though and he has youth on his side. I see multiple all-star games in his future.

Backup Third Base – Nelson Gomez

Centerfield – Estevan Florial – .275/.330/.480/.810 with 25 HR, 20 SB, 91 RBI

He had a rocky 2019 with some injuries, but he’s a surefire five tool athlete with the ability to hit, steal bases, and play stellar defense in centerfield. Health will be a major concern going forward, and he’s far from a finished product. On the other hand, this is a guy who has the potential to be a perennial all-star. He’s one of the best centerfielders in the minors, and I believe he will be a staple in centefield.

Backup Centerfielder – Everson Perreira

Left Field – Antonio Cabello – .290/.360/.501/.861 with 25 HR, 25 SB, 100 RBI

With Brett Gardner finally out of the picture, left field will be wide open in the next couple of years. Cabello has the look of a guy who is going to rocket through the system. He hammered rookie ball pitching in 2018 and is likely to skip a few levels and start in Charleston. He too has five tools and will be a plus defender in left field. He has a lot of Mike Trout qualities and could be a star in the league if things break right.

Backup Left Field – Raimfer Salinas

Right Field – Aaron Judge – .280/.390/.520/.910 with 44 HR, 120 RBI

Judge is a superstar and he isn’t going anywhere for a few years. I suspect the Yankees will lock him up long term and keep him as the face of the franchise. He will anchor this team for years to come and hopefully lead the Yankees to a couple of rings. He’s a homerun machine and an excellent fielder. It will be fun to watch his career develop.

Designated Hitter – Clint Frazier – .275/.340/.480/.820 with 33 HR, 100 RBI, 15 SB

Frazier will certainly play some outfield in the Bronx in 2022, but he will rotate with some of the other outfielders to play some DH as well. He can play all three outfield positions well, and he also is known to have some serious pop with the bat. The Yankees did well to keep him around, and he too has the talent to be a perennial all-star if he can overcome his recent injury issues.

Backup DH – Canaan Smith

Starting Pitcher Number One – Luis Severino – 20-5 with a 2.78 ERA and >1 K/IP

It is no secret that Severino has pitched like an ace. He is the best homegrown starting pitcher the Yankees have had since Andy Pettitte. Sevy has the velocity, stuff, and control to be a mainstay with the Yankees for years to come. More importantly, he knows how to pitch in the Bronx, which is a huge deal. They will keep him as long as he stays healthy.

Starting Pitcher Number Two – Jonathan Loaisiga – 15-7 with a 3.23 ERA and >1 K/IP

Loaisiga has the same type of disposition as Severino. Nothing phases him. He also has the same kind of electric stuff, poise, and ability to locate. It’s going to take another year or two for him to really establish himself in the rotation, but by 2022 he will be firmly entrenched in the rotation and the Yankees will have themselves a star on their hands.

Starting Pitcher Number Three – Clarke Schmidt – 18-5 with a 3.5 ERA and 190 K : 30 BB in 200 innings

Schmidt is finally going to be released in 2019 in the minors. He played last season but was on strict limitations. Now that he is fully healthy, expect to see him move quickly through the system. He has a mid to upper-90’s fastball, and his secondary offerings are already up to par. By 2022 he will be firmly entrenched in the rotation, likely hitting the majors hard in 2021.

Starting Pitcher Number Four – Albert Abreu – 12-8 with a 3.8 ERA and 230 K : 68 BB in 200 innings.

Albert Abreu has a tremendous arsenal. Albert Abreu has been effective when healthy. Albert Abreu has not been able to stay healthy. The biggest thing he needs to do over the next two seasons is stay healthy. If he does that, he may be a lot more than a number four pitcher.

Starting Pitcher Number Five – Roansy Contreras – 15-6 with a 3.4 ERA and 208 K : 49 BB in 190 IP

Yet another high-end pitcher in the system, Contreras is on the development tract to become far more than a fifth pitcher. If all five of these players hit their ceilings, this rotation is more of a 1a, 1b, 1c, 1d, and 1e group. They all have the potential to be ace or #2 type pitchers. Contreras is already mid to upper 90’s with tremendous secondary stuff. He has the looks of a guy who will fly through the system. He is similar to Luis Severino at the same stage.

Starting Pitcher Number Six – Deivi Garcia – 8-5 with a 4.05 ERA and 100 K : 19 BB in 85 innings.

Since there are always injuries and the sixth man will inevitably get significant time, he is worth mentioning here. Garcia had a tremendous year in 2018 on the farm, and there’s no reason to think he won’t continue that success into 2019 and beyond. There’s a good chance he will be a part of the rotation, and he too has that #2 starter ceiling. With this group, the Yankees could be looking at one of the top rotations in the league, even if they keep it 100% home grown.

RP1 – Dellin Betances – 1.8 ERA and 40 + saves

He has been a stalwart since his rookie season. Once the Yankees moved him to the bullpen, he absolutely took off. With his 100-mph fastball and devastating breaking ball, he will be an impact reliever for years to come.

RP2 – Domingo Acevedo – 2.3 ERA and 90 K in 60 IP

He is very Betances-like in that he’s a guy who has had plenty of success as a starter in the minors. He also is a huge specimen in terms of size and can dial it up to the high-90’s in short spurts. Acevedo has a good chance to actually hit his ceiling as a starter but I think shutdown reliever is his ultimate destination.

RP3 – Chad Green – 2.4 ERA and 85 K in 65 IP

Green has been consistent and devastatingly good in relief for the Yankees. He has found his niche and his numbers have been stellar since his transition to the bullpen. He is a special talent and the Yankees should hold onto him if they can.

RP4 – Stephen Tarpley – 2.75 ERA and 60 K in 60 IP

Tarpley made his debut with the Yankees in 2018 and it was impressive. He was even on their playoff roster. As a lefty who dominated all the way up the minors, Tarpley has a mid-90’s fastball, dominating secondary pitches, and pinpoint control. This is all a recipe for success, and the Yankees should continue to see that.

RP5 – Jonathan Holder – 3.2 ERA and 60 K in 60 IP

Holder has proved himself to be reliable in the bullpen, and that is the most important quality a reliever can have. He is consistent and you know what to expect from him. His performance is Adam Warren-like. Simply put, Holder gets guys out. He should continue to do that for years in the MLB.

RP6 – Chance Adams – 3.1 ERA and 70 K in 50 IP

Chance Adams has the potential to be a major league starter. If that doesn’t work out, however, he has the floor of a successful late-inning reliever. He can hit high velocities in short spurts and has the secondary stuff to baffle hitters in that role. Don’t be surprised to see him get looks as a reliever this year, and by 2012 he should be firmly entrenched as a member of the major league bullpen.

RP7 – Joe Harvey – 2.8 ERA and 52 K in 50 IP

Harvey established himself as a major league bullpen option with his performance in 2018. He played so well the Yankees added him to their 40-man roster this offseason. This bodes well for his future and raises the likelihood that he will be used in the bullpen this year. Harvey is another upper-90’s talent with secondary offerings, control, and a minor league track record to die for.

RP8 – Mike King – 3.5 ERA and 45 K in 55 IP

King came out of nowhere this year to become one of the best pitchers in the entire system. He increased his velocity and mowed guys down. The increased velocity did not hurt his control either. Now you have a guy with power, control, and secondary pitches. He very well could break in as a starter, but if not he should be able to become a bullpen stalwart. With all of this pitching talent, the future looks bright for the Yankees.

Overall, this looks like a playoff team at least. When you take into account that the payroll for a team that looks like this would be astoundingly low, it becomes apparent that the Yankees have a bright future. In reality the Yankees will not fill their roster with only homegrown talent. They will have some free agent studs in the lineup to bolster this team, and that will result in a team that is going to be extremely talented for years to come. They just need to take it to the next level and start winning some world series championships!

from Bronx Baseball Daily http://bit.ly/2VeLqq6

[kansascityhappenings]

Hurricane Florence crawls towards North Carolina as heavy wind & rain batter the coast

The flooding in North Carolina began Thursday as massive Hurricane Florence slowed down and its outer bands lashed towns on the barrier islands and on some of the Tar Heel State’s rivers.

In Morehead City, the rain and surf pounded the shoreline and took aim at the few boats still in the water. In New Bern, on the Neuse River, a CNN correspondent had to keep shifting position in a park as the water kept rising.

Some areas also saw the first of the hurricane-force winds that cover more than 15,000 square miles — larger than the states of Massachusetts, Connecticut and Rhode Island combined.

The area covered by hurricane-force winds recently doubled — meaning far more people will get blasted with winds topping 73 mph.

“If you’re going to leave — and you should leave, if you haven’t left yet — you should leave now. … Time is running out,” South Carolina Gov. Henry McMaster said Thursday afternoon.

What also makes Florence extremely dangerous are the deadly storm surges, mammoth coastal flooding and historic rainfall expected far inland.

And don’t be fooled by the fact that Florence has weakened slightly to a Category 2 hurricane. Categories only represent the speed of sustained winds, and these are still destructive.

“I don’t care if this goes down to a Category 1. We’re still going to have a Category 4 storm surge,” CNN meteorologist Chad Myers said.

Even worse: Florence is expected to hover over the Carolinas, whipping hurricane-force winds and dumping relentless rain at least through Saturday.

“It’s not going to take much in a lot of these areas to saturate the soil, so trees are going to come down really easily” and knock down power lines, said Ken Graham, director of the National Hurricane Center.

FOLLOW THE HURRICANE’S PATH

Latest developments

• Florence is getting closer: As of 5 p.m. ET Thursday, the center of Florence was about 100 miles east-southeast of Wilmington, North Carolina, and about 155 miles east of Myrtle Beach, South Carolina. As the storm moves inland, Georgia, Virginia and Maryland will also be in peril. The storm’s forward speed had slowed to 5 mph and forecasters are concerned it might have stalled.

• When is landfall? Florence’s center will approach the North and South Carolina coasts late Thursday and Friday. The actual landfall — when the center of the eye reaches land — will be Friday afternoon at the earliest, said Neil Jacobs of the National Oceanic and Atmospheric Administration.

• Widespread power outages: Duke Energy, a power company serving North and South Carolina, expects as many as 3 million customers to lose power during Hurricane Florence.

• Tornadoes are possible: A few twisters are likely later Thursday through Friday in southeast North Carolina, federal forecasters predicted.

• Many flights are canceled: More than 1,300 flights along the US East Coast have been canceled through Friday.

Bookmark this simplified site if you’re in the storm’s path or have a weak phone connection

Millions either flee or prepare for mayhem

The tropical cyclone is expected to unload 10 trillion gallons of rainfall in North Carolina, weather.us meteorologist Ryan Maue said. That’s enough to fill more than 15 million Olympic-size swimming pools.

Now, many more people and houses are set to endure hurricane-fgorce winds, which extend 80 miles out from Florence’s center.

“It’s cumulative damage,” Myers said. When fierce winds keep up for a long time, homes are “going to start to deteriorate. So will the trees. So will the power lines, as the trees fall down.”

Despite days of warnings to evacuate, some residents are staying put — even if they don’t want to.

Cheryl Browning lives with her husband and son, who has terminal cancer, in Richlands, North Carolina. They also have three dogs and three parrots.

Browning’s choice to stay in the hurricane warning zone wasn’t easy, she said, but she “could not find anywhere to go.”

“Either no (hotel) rooms are available, or we are denied because the breed or size of dogs,” she said. “Many that will accept them only allow one per room. And since we have three dogs and three parrots, they’re requesting us to purchase two to six rooms.”

And there’s no way her family could afford that — or the $1,728 per room another hotel quoted. Other residents have told CNN they’re not evacuating because emergency shelters won’t accept pets.

“Since my husband retired and my health declined, we have his retirement as an income. He is the only caregiver to me and my son,” Browning said. “So since we can’t find anything within our means, … we’ve opted to stay.”

Her neighbors gave her the key to their house, which is two stories and might be safer from flooding, she said. It’s a kind gesture but doesn’t alleviate Browning’s fear.

“I’m not going to lie: I’m scared,” she said. “But I think it’ll be OK.”

Thousands bunk in shelters

More than 1 million people have been ordered to evacuate — but the window to do so is almost over.

“Inland flooding kills a lot of people. … Please keep that in mind,” and consider leaving soon, Brock Long, administrator of the Federal Emergency Management Agency, said midmorning Thursday.

More than 6,700 people spent Wednesday night in 127 Red Cross and community shelters in North Carolina, South Carolina and Virginia, Red Cross spokeswoman Stephanie Rendon said.

In North Carolina, Florence is expected to dump up to 40 inches of rain and storm surge will be high.

“Catastrophic effects will be felt outside the center of the storm due to storm surge,” North Carolina Gov. Roy Cooper said Thursday morning. “Tens of thousands of structures are expected to be flooded, and many more by rising rivers and creeks.”

The mayor of Carolina Beach, North Carolina, said authorities have stopped allowing traffic to the island via the only bridge between the island and the mainland.

Joe Benson said the storm will batter Carolina Beach through two high-tide periods. Storm surge of 11 feet on top of a high tide at 7 feet could overwhelm the town.

Like many other officials in the storm’s path, South Carolina’s McMaster said no one will be able to save at-risk residents if they choose to ride out the storm.

“Even the rescuers cannot stay there,” he said.

Emergencies declared in several states

Officials in several states have declared states of emergency, including in the Carolinas, Georgia, Virginia and Maryland, where coastal areas are still recovering from summer storms.

Sign up for Hurricane Florence alerts

Florence’s expanse even captured the attention of the astronauts and cosmonauts aboard the International Space Station, who have been tweeting pictures of the storm back to Earth.

“Watch out, America! #HurricaneFlorence is so enormous, we could only capture her with a super wide-angle lens from the @Space_Station, 400 km directly above the eye,” German astronaut Alexander Gerst tweeted. “Get prepared on the East Coast, this is a no-kidding nightmare coming for you.”

Florence is one of four named storms in the Atlantic. Tropical Storm Isaac is forecast to approach the Lesser Antilles Islands on Thursday. Hurricane Helene is veering toward Europe. And newly formed Subtropical Storm Joyce is not expected to threaten land soon. Those four storms are brewing at the same time Hurricane Olivia is pounding Hawaii.

from FOX 4 Kansas City WDAF-TV | News, Weather, Sports https://fox4kc.com/2018/09/13/hurricane-florence-crawls-towards-north-carolina-as-heavy-wind-rain-batter-the-coast/

from Kansas City Happenings https://kansascityhappenings.wordpress.com/2018/09/13/hurricane-florence-crawls-towards-north-carolina-as-heavy-wind-rain-batter-the-coast/

[beardedwinnerobject-blog]

My car got hit in the middle of the night. I don’t have insurance but the person at fault does.?

"My car got hit in the middle of the night. I don't have insurance but the person at fault does.?

I woke up yesterday to find my car hit and another car, with temp tags, abandoned up the road (it had a lot of damage to the front of it, so it was obviously the one that hit mine.) Today the officer who came yesterday called and had found the person at fault and gave me all of their information. I don't have insurance currently, and my car will cost a few $100 to repair, so what can I do with this info?

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

RELATED QUESTIONS: 

Teenage Car Insurance?!??!?

I'm 15 and for my 16th Bday I'm getting an mid-sized SUV. & I'm just wondering about how much the monthly payments are gonna be......? thanks for any help:)

Car Insurance If I Am Not The Car Owner?

Is it possible for me to insure myself to drive my sister's car, and to add her as a named driver? Or do I have to own the car. My sister has just passed her test, and her insurance would cost 700 if she does it herself. If I insure myself to drive the car and add her as a named driver, then it would be more like 200. Does my sister have to sign over ownership of the car to me for this to work?""

Oklahoma data bank life insurance search?

Search for deceased relative who may have insurance in Oklahoma

My car insurance increased $ 500 because my sister doesn't have a car.. Is this legal?

I have been a driver for over 5 years and I have no points in my license. I was paying $1800 a year full coverage and yesterday I received a letter saying that my insurance will be $2300 a year. when I called them they said the reason why was because my sister have a driver license and she doesn't have a car in her own . excuseee me? What do I have to do with it? I told her she is not using my car I own the car and I am paying for it why do I have to pay for my sister ? She had her own car and insurance but she cancelled it because she sold her car . They automatically put her in my insurance as a driver. I told them she doesn't use my car and I can't afford paying all that money specially when I am an experience driver and no license.., does it even make sense? 500 dollars in one shot!! What? Is this even legal and right? What should I do?""

Car insurance question.?

OK, so I got my car insurance renewal to start on 16 May, and it went up from 40 a month to 60, for no gosh darned reason. Grrr. I know that the insurance has gone up a lot, and I think they blame the compensation claims for this, but up a THIRD! Jeeeeeez! Last year, it went up from 35 a month to 50 and I had a whinge down the phone at them, and they reduced it to 40 by changing the recovery a bit (I don't get help now unless I am more than a mile from home; but the chances are I would be when I broke down anyway, and even if I was half a mile away, I could walk back!) so I agreed to change that. So I rang them today and they said they can lower it a fiver because I am a 'loyal' customer, (so down to 55 a month.) Big deal! I am nearly 40, I passed my test 20 years ago, and I have been with them 10 years and NEVER made a claim, and yet they bump my premium by a third! I am like It's a LOT of dosh. Does this seem like a ludicrous leap to you? Has yours gone up a lot too? Does this sound like a high amount to pay? (55 to 60 a month.) Or reasonable for a 38 year old woman? It does include recovery in this quote, and the recovery is about 130. But 2 years ago, I was paying 35, and this year they are asking for 60 a month! I do like this insurance company and have my home insurance and pet insurance with them too, and don't want to leave, but a jump of a third!""

""Hit another car, they have no insurance?""

I was turning left from a stop sign and hit into another car (checked both ways, had some parked cars blocking view but I inched forward to check before driving.) My car only has minor scrapes, his car has a broken headlight and some bumper damage. However, he told me at the time he has no insurance and wanted me to just give him cash on the street. I told him no, I would not pay anything unless we called the police which he did not want to do since he has no insurance. I am fully insured. We ended up both just leaving and I have his license plate number, name, and phone number. He has my license plate number only. Without insurance, can he try to get any money from me? Just wondering if anything should be expected of this situation...""

Price range for what I would be paying for car insurance by myself?

I am about to turn 19 and im not on good terms with my father so I am deciding get on my own car insurance plan. I know it will be expensive but im trying to make things easier for myself by trying to get a Pontiac grand am between the years of 2000-2005. I know that since its an older car, it will cost less. Plus, I should start working by the middle of May and work until the end of the summer so I want to just pay the car off instead of having car payments, hopefully that helps lower the cost too. Anyway, if you know any ideas or prices or what would be the best insurance company, let me know.""

Who thinks GEICO is a great insurance company?

I think their ads on TV are so right - they have not only the lowest rates (at least for me), but the best customer service too. I have never filed a claim, but recently requested some insurance record from them. Even though I am not their customer anymore (currently do not own a car), they still were very helpful on the phone, sent me the requested letter immediately and even did a follow up on it. I think they are awesome. Who had similar experience with them or any other company? PS - I am not a GEICO employer :))""

Auto Insurance Traffic Violation Question?

Ok, I am trying to get some new auto insurance quotes from other companies. My problem is I have a few moving violations. One speeding ticket and one ticket for running a stop sign. They ask me if my violations have happened in the last 35 months. They said I can be 30 days off of the violation date, if I can't remember the exact date. I can't remember the date or even close. I know I can call the DMV and get a copy of my driving record for around $10. I am just wondering if there is an easier way of getting this information. Possibly through the internet. Thanks""

""I live in san diego and need affordable health insurance? I make 11,000 year.?""

my parents insurance no longer cover me and graduate school insurance is really expensive. Can anyone help! I make less than 11,000 a year""

What would the insurance price be for me?

I'm an 18 year old male, and am thinking about getting an 2006 Pontiac Grand Prix with 115000 miles on it, what do you think would be the cost of insurance for me if you could guess/estimate?""

Good 125cc motorbike 1000 Low insurance 4 stroke?

I need a good motorbike that is 1000 - 1300 That has LOW INSURANCE (Under 300) That is also 4 stroke and 125cc . I like the look of the sym XS125 k

Affordable health insurance new jersey family?

anyone know of affordable health insurance in new jersey for self employed 1 person needing family coverage?

I want a new car please help Car Insurance Help.?

Hey please help me i really want to get a car as soon as i can. I'm 20 years old i live in NYC. I am planning to buy a car as soon as i know the answer to this question. I want to know how much will i have to pay for my car insurance? I was thinking on putting it under my fathers name. He's 63 years old but he does not have a license but i heard he can buy a car and insurance it with his permit. How much would u think i have to pay if i put it under his name and mine? Please Help.

Car insurance?

I 've gotton two tickets within four months of each other. What are the chances that my car insurance rate will go up and by how much? i live in california and have Mercury Insurance.

What health insurance should I get?

I really need help on picking out a health insurance plan. I started working as a nurse. The facility where I work does offer insurance, but I think I rather pick an independent insurance company outside of the hospital. I'm planning to buy health insurance for my mom as well. She couldn't get medicare yet. Can you guys tell me some information about health insurance? The only company I know which I heard from others is blue shield/blue cross. I have looked around their website yesterday, but they have a bunch of plans which I dont really understand. I think the cheapest plan they have is near $400 a month for one person?""

Does car insurance typically cover the car being totaled due to flooding?

I live in the Midwest, where everything is flooding. My husband just called and said that his car was flooded, and is now not running. Does car insurance typically cover this? I know I'll need to check with our insurance company in the morning, but I'm just curious if that is considered an act of God, therefore covered under a comp. claim. We have full coverage.""

What vehicles have the lowest insurance rates for teenage drivers.?

What vehicles have the lowest insurance rates for teenage drivers.?

Another insurance question for you...?

I'm 16, and soon I'll be getting my first car. When my mom checked out how much my insurance would be on a black Honda Civic 2-door from 1997 they told her it would be $100 a month. Needless to say, that car is gone and I now have my eyes on a silver Chrysler Sebring 2-door convertible from 1998. Judging by the price of the insurance on the Civic, how much would it be on the Sebring? Thanks in advance.""

Does a classic muscle car cost more to drive?

Would a 67 mustang cost more to own? Like does it burn more gas? And is it harder to drive than normal cars? I don't want to get a modern cars, I feel like they're faceless boring machines that all look the same. I want a car that will be fun to actually drive and be seen in. Would it also cost a lot of drive around a mustang for like the whole day, every day?""

Young Driver. Big Raise in Auto Insurance Rates! Can you help?

My son is 15 and is getting his learner's permit. My insurance company wants almost $200 a month to insure him on my policy. I had low rates and a good record so this shocked me. Can anybody help?

I'm under 18 do i need insurance after i get my license?

I live in FL But i don't have a car. am i insured under my parents or do they need to pay for me when i get it.

Why can insurance companies discriminate based on gender?

I guarantee you if a 16 year old girl bought the same sports car as a 16 year old boy, the boy would be charged considerably more. I understand the age discrimination, being that teenagers ARE a greater risk, but it's not right to discriminate based on gender.""

Is there car insurance for people who don't own cars in Ontario?

My parents are taking me off their insurance as an occasional driver. I don't own a car and don't plan on getting one. I was wondering if I need insurance in order to drive someone else's car? I haven't had any luck finding info relevant to Ontario. Thanks!

""I don't have the car yet, but what am I looking at for insurance?""

I'm in a bad living situation and I'm slowly trying to get out....I make minimum wage and I'm trying to finance a vehicle...I have no money to put down, and the little credit I did have was gone a long time ago due to unpaid medical bills.... I'm also trying to put money towards my rent and other bills, so I can't afford much..... I have no credit cards or expired loans, and don't want any...so please don't recommend any..... I figure with taking $80 out of every pay check I can afford a payment of $320 a month....Also taking 30 out of the same pay check to make payments of up to $120 towards insurance..... Is this too much? This is the first time I'm paying insurance on a vehicle, I'm also living on my own for the first time as well..... My last ticket was almost 7 years ago...I'm a safe driver...what kind of prices am I looking at? I know I can go to specific sites and plug in my information....but I don't have the vehicle yet and I'm trying to budget for the purchase....I'm planning on getting a small reliable car, nothing flashy..... Can anyone guesstimate a price for me? Am i figuring too high?""

My car got hit in the middle of the night. I don't have insurance but the person at fault does.?

I woke up yesterday to find my car hit and another car, with temp tags, abandoned up the road (it had a lot of damage to the front of it, so it was obviously the one that hit mine.) Today the officer who came yesterday called and had found the person at fault and gave me all of their information. I don't have insurance currently, and my car will cost a few $100 to repair, so what can I do with this info?

How much would insurance on a 1990 dodge neon ?

I think it might be my first car , && I have to pay for insurance .""

Why ulips is not best insurance products?

Why ulips is not best insurance products?

Have any 19 year old male's managed to get their car insurance under 2 grand in the past year or so?

If so, what company were you with? On my mum's suzuki wagon the insurance quote from aviva have been ridiculously high, but I managed to get one for 2 grand with a 50% drop in price next year due to no claims, the cheapest i've managed so far. Anyone with experience know where to go or if it's possible to get it cheaper on a vauxhall corsa?""

Teenage insurance?

Id there any way how you can avoid paying for teen insurance? (Because the family insurer usually raises price as soon as the teen in the family gets license) If not, how to get cheap insurance?""

Health insurance from a broker?

HI, I need to take out a health insurance policy for myself because my work doesn't offer any. I called a local insurance broker who offers that service in addition to others like life, business, etc. My question is, is there any negative reason to buy from him verses going online and buying a policy by myself? I think I'd get more info from a broker right? Thanks""

Insurance in USA for people above 45 and below 60?

Hello, My parent just moved to USA (NY) a few months back and my father works at a grocery store. My parents do not have health insurance and I want to get them medical insurance somehow, something that is affordable since my father's job does not offer any health coverage. I am there only daughter and I asked my employer if I can add my parents to the my insurance policy but he said that will not be possible. My dad has been searching for a job which offers medical coverage but unfortunately it is a tuff time to find a job. My mother is suffering from Sciatica pain she went to one of the walk in clinics and got the medicine and ended up paying 200$ which did not do any good. Any suggestions how I can resolve this issue?""

HELP!!! Car insurance - 10 month bonus accelerators and cheapest insurance companies?

Hi has anyone had any problems with a bonus 10 month accelerator policy when renewing??? also any ideas for the cheapest insurance companies especially when paying monthly and being a young driver (only 20)? thank you xxxxxxx

Will an insurance company drop a client if they get a DUI?

Will an insurance company drop a client if they get a DUI?

Car insurance? Cheap?

I'm 16 and i just got my car and license. I have a 2000 Grand am gt Where can i find cheap car insurance?

Can someone who smokes marijuana get affordable life insurance?

Can someone who smokes marijuana get affordable life insurance?

Can i put my car under my dads car insurance?

Okay so im 17 and getting a 1.1 litre care soon, my dad has no cars listed under his insurance but is a named driver on my mums car. Can i put my car under his insurance and sign the car as his in the log book and be a 2nd driver? how much extra will that cost a month ? hes been driving 27 year , thank you.""

How do i get car insurance without a license..?

I'm 20 years old and just bought my first car, but in order to get my license i need to have insurance on the car, but in order to get insurance i need my license, can anyone help me out with this catch 22 please.. thank you so much!""

How much is a spouse's auto insurance in MA?

How much increase is a spouse's auto insurance compared to just an individual's insurance if we drive the same car in MA, with full coverage and that he's a casual driver?""

How does auto insurance work?

If you are in an accident and its not your fault ,who pays for your damages? Also what happens if you parents lend you there car but you werent on there insurance and now after the accident you are on the insurance. Can the insurance cover you now that you have been add to your parents insurance.""

What sports cars have low insurances?

im 19 so insurances are an absolute drag and im looking to buy a sports looking car but the insurances for everything are so high. so is there any good sports looking cars with a relatively low insurance group preferably below 15. my previous cars have been a ford focus 1.6 titanium 09reg , Puegeot 206 1.1 T reg, ford fiesta zetec s 1.6 59reg and im driving a puegeot 207 1.6 59reg at the moment and i want to get out this style of car. and i have a budget of around 14,000 - 15,000""

Do i need a motorcycle license to get insurance for my motorcycle?

i dont have a license yet but i want to get all the paperwork done so i can start riding as soon as i get my license.

Do I HAVE to have car insurance in order to drive?

So I just got my license a few days ago, and I'm confused with the whole insurance thing... I am not getting my own car until I graduate high school, which won't be for like a year ish. So do I need insurance in order to drive my parents car OCCASIONALLY? Both my parents have car insurance. So pretty much, it would have been better to just have my permit where I don't need car insurance, instead of getting my license and being forced to get car insurance even if I'm going to be driving RARELY? Whereas with my permit, I could drive within hours with an adult for as long as I want without needing car insurance.........""

How to get cheap insurance for bike?

I'm 24 and trying to find cheap insurance for bike 125cc in Ireland. Can somebody help me please. I'm girl and having provisional driving licence. Thank you.

Insurance on neon srt4?

I know every insurance r difference but im looking for get a srt4 neon and I heard the insurance on one of those r high, I have a 2003 grand prix gtp, would insurance be higher than wha I am paying for my gtp""

How much auto insurance should I carry?

Is it true that depending on your net worth, you should get more or less auto insurance? I'm a college student so I only work part-time and only have a modest amount saved up. The value of my car is about $4000. Right now I have 50000/100000 for injury, 50000 property damage, and 50000/100000 for uninsured or under-insured motorists. I have no comprehensive or collision coverage. I can not afford those. But liability wise, am I good or would it be OK to buy less or should I buy more auto insurance? I am not on my mother's insurance policy because with her being in another state, and the car being garaged with me, it's not worth it and I'm not sure if it's possible""

Where i can get cheap auto insurance?

Where i can get cheap auto insurance?

""With regards to auto insurance, what does having a deductable mean?""

For example, if I have a $500 deductable, what exactly does that mean when claiming from insurance?""

Proof of insurance California?

I recently had my car fixed and for some stupid reason I pulled all my documentation out of the car. Well, I got pulled over one day and was cited for not having my proof of insurance. (Stupid, I know.) The cop was really nice and said I just needed to go down to the court and show them that I was covered during the period I was pulled over. He said the fine would be at most 10 bucks. Today I get my notice of bail and it says that if I show proof of insurance, I can get the bail reduced to 756 dollars! Am I reading this right? Thanks""

Car insurance.. new driver 4x4?

Does insuring a larger car such as a 4x4 (not neccesarily a new one)... cost a lot more for a very new driver?? How much more?

I am 17 and live in ct where can i get cheap car insurance 10pnts for best answer?

i am 17 and live in ct where can i get cheap car insurance 10pnts for best answer

My car got hit in the middle of the night. I don't have insurance but the person at fault does.?

I woke up yesterday to find my car hit and another car, with temp tags, abandoned up the road (it had a lot of damage to the front of it, so it was obviously the one that hit mine.) Today the officer who came yesterday called and had found the person at fault and gave me all of their information. I don't have insurance currently, and my car will cost a few $100 to repair, so what can I do with this info?

Motorcycle Insurance?

Does anyone know of a good/inexpensive insurance company that will insure motorcycles in Grand Prairie, Texas.? I am 18 years old and I can't even imagine what the cost of insurance would be for me. Any suggestions would be great. Thanks.""

How can I put my girlfriend (8 1/2 years and still going strong) on my health/dental insurance?

Hi guys, so I have asked my job and it seems the only way I can add her to my health/dental insurance is if 1) we are married or 2) if i provide proof of living with her for a certain amount of years. There has to be some loophole because I really think it is ridiculous that we have been to together since we were 16 and I cant add her or help her in such a way. There is no possible way, in timeline, for us to qualify for such rules. 16-18 years old (in high school and lived with parents), 18-23 years old (Attended separate universities and lived in different cities), 23- 24 1/2 years old, (both living with parents back home, we alternate and stay at each others place, so have no set home or bills in our name, such as direct tv, electricity, internet, you name it. we are blessed with awesome parents) and yes we have though about just getting married, but no way... we are waiting until we are established and can fend for ourselves to make a decision like that, but yes we do want to get married some day, but not over screwing the government or other reasons. Also we live in california if that helps, since i know every state varies, thank s guys!! ^_^""

""I need auto, health, and condo insurance; what is the cheapest way of doing this?""

I need a descent health plan that will cover prescriptions. I am still young and don't need much but I do have a prescription to fill that is about 250 without assistance. So I guess what I'm wondering is if I get all of them through a company like State Farm, will they give me a price break since I use them for everything? Thank you.""

""If I am 27 and single, do I need to be paying for life insurance?

I have been paying for life insurance for a few years now and I am convinced that I shouldn't be. I do not have any children or plan on any in the next few years. My father says it is so I am locked into a premium. Does that really matter?

Can a employer make you get health insurance?

My boss told me that if i do not prove that i have my own health insurance, i have to get the health insurance the job offers, i would like to know if it is legal for them to do that? force me to get health insurance? now i know that with President Obamas Health law, in 2014 all people over 26 who do not have insurance will be subject to tax. but it is not 2014... its 2012 and i do not want any of my money being taken out of my check for something i do not want at this time.""

What do you think about my car insurance? Please help?

Hello, I'm an international student in the U.S. I've just bought Honda accord car (year 1999) and a driving license. I need your experiences to find the cheapest insuarnce. I've got two quets until now. One is from Geico company which offered about 700$ per six months, and Sate Farm which offered about 600$ per six months. I still see these offers expensive. Please help me to find the cheapest insurance. Thank you in advance.""

""I'm pregnant, without insurance, and desperate, HELP!?""

Just this Monday I found out I was pregnant. Two Clear Blue PREGNANT's, and I was bawling in the Target bathroom. I all ready have two children, both of which are on ALL Kids because my husband didn't want to keep our health insurance last year due to the rising costs (like, it kept going up $100/year, and towards the end, we were paying $500/month). So now I'm pregnant, no health insurance, and pretty much stressing out over it. I will apply for SOBRA Medicaid (something I found on Alabama's Department of Health site) after my doctor's appointment next Wednesday, but if they don't accept me, then I don't know what else to do. Giving my baby away is not an option, neither is abortion. I will love this baby no matter what happens. I just need some reassurance or something to keep myself from stressing out and crying all the time over worrying about money. I totally got screwed over by something called Direct Med and will be calling them tomorrow to try to get my money back. I did that out of desperation and plain stupidity. A little help, please?""

What is insurance? Pls tell me what are the different types of insurances?

Insurance

What is Secondary Auto Insurance?

I do not have auto insurance so When I rent a car is Secondary insurance a replacment for insurance I do not have?

""One more question on insurance,,,, do I HAVE to cancel existing insurance on my mums car.....?""

i have a quote from an insurance company who is willing to give me temporary car insurance for 3 months on my mums car, it works out cheaper then going on as second driver, they said i have to cancel my mums insurance but maybe that is because they wanna make money at the end of the day, my mum is saying i don't have to cancel the existing insurance but i aint sure, i just think she is worried she may not get the refund for paying for a full years insurance if she cancels... help me out guys !!?""

Is It A Good Idea To Get Rental Car Insurance?

I was posed that question yesterday when I rented a car.

How Much Would A 17 Year Old With A G2 Pay For Insurance For A 1995 Geo Metro Hatchback in Toronto?

Im planning on getting my first car but the insurance is holding me back. Please Help.What Company do you suggest? Maybe you know someone with the same car and around the same age.

Ripped off car insurance?

my daughter was a named driver on my policy she hit someones car and made 400worth of damage the owner of the other car had already got scatches etc on there car my insurance company was told of this i have just found out that 800+ has been made against me it looks like i have been ripped off surely this is fraud the 400 was a quote from a garage

Will a loud music ticket affect my insurance?

I was driving and i got stopped because of my loud music and got a ticket, Does this affect my insurance? iv'e been reading online that it a non moving violation and will not affect it, is this true? P.S Im from California""

Can policr find out if you havent got car insurance by reading the car numberplate?

Can policr find out if you havent got car insurance by reading the car numberplate?

Whats a good car with low insureance and good gas mileage!?

im looking for a car that had good gas mileage and low insureance. i was really looking into a jeep and trucks and some cars.. that looked sporty.. but i know sporty cars have high insureance.. im looking for somthing that will be a good first car..but im not sure...

Health Insurance?

Can someone reccomend some good affordable health insurance policies for people who's work place does not have health insurance yet. I'm looking for something with good coverage that wont cost me an arm and a leg. Here is a list of things i want on this coverage in order of priority: 1.Mental Health Coverage (dont refer state and government run things because i fall through the cracks on their rules) 2.Dental (i love and want to keep me teeth) 3.Doctor visits (i dont go to the doc much even when i am sick)

Can anyone recommend affordable homeowners insurance?

I live in Muscatine, IA. I am interested in either national or local companies. Anyone have a company or policy they think is a good deal? Who has the friendliest agents? Thanks!""

How much will my insurance go up?

I rearended someone on the highway. There was no damage on either car and no one was hurt. Unfortunately, my front airbags deployed and the seatbelts locked up. I've got an estimate of 4k in repairs. I believe my deductible is approx $400. 4k is a pretty hefty amount. But the question is should I claim or pay out of pocket? Basically, will the increased insurance rate exceed that of the 3.6k difference that they'd be paying? I'm currently paying 1k a year. Thanks.""

How much would insurance cost?

I'm a 16 year old male who makes a's and b's in school and my parents just bought me a 2008 Gmc Sierra Denali and I'm currently driving without insurance how much do you think it would cost for me?

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

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

""Can I get a refund of life insurance premiums I paid? I set up a $100,000.00 life insurance policy?

August 2009. Monthly premiums were deducted automatically from my checking account. recently I had to change my checking account number because someone got access to my banking info. and made unauthorized deductions. This in turn caused my monthly insurance premiums from getting paid. The insurance Co. requested a substantial fee to reinstate my policy I cannot afford this fee can I get a refund of premiums paid and cancell the policy?

State farm insurance question?

does anyone know if state farm insurance plans accept Tria Orthepedic Center?

How much is motorcycle insurance per month on average?

The kicker: I'm only 18 and will be on my own policy, not my parents. I am at the top of my class, no tickets or anything, etc. (if any of that helps).""

""First Car, insurance price etc :)?""

Hi all, I'm going to go into more detail and search more etc. when I get the car's reg, but for now I can only ask all of you :) I'm going to buy 1.6 ltr ford focus off of my friend for 800, 5 door, 2000 model I think so what kind of insurance would I be quoted on it usually? I don't want links to websites as I havent got all the details... but I havent passed my test yet and it will be my first car, plus I'm 18 so it could be a tad expensive I know :S Thanks for reading :)""

My car got hit in the middle of the night. I don't have insurance but the person at fault does.?

I woke up yesterday to find my car hit and another car, with temp tags, abandoned up the road (it had a lot of damage to the front of it, so it was obviously the one that hit mine.) Today the officer who came yesterday called and had found the person at fault and gave me all of their information. I don't have insurance currently, and my car will cost a few $100 to repair, so what can I do with this info?

How much does car rental insurance cost?

I am renting an economy car for one day through enterprise. Any idea what the average cost of rental insurance they offer is? I'll be calling them later on. Just wondering ahead of time what I should expect to pay, on average. Thanks""

Do i need insurance for a project vehicle?

I am looking to get a project car to build until i can drive do i need insurance

No Insurance?

I have being taking mixed martial arts for a few weeks now with a local martial arts centre (own gym etc) but each time I ask about paying for insurance they just say they still have to sort the insurance out, would you still train there without.""

Cheapest car insurance in houston tx?

hello i need to find auto insurance that i can afford, i was wondering do they have one thats under a 100 ? well can you list me places that have the cheapest auto insurance""

CAR HAS BEEN SMASHED INTO. INSURANCE OR PRIVATE?

Our car's passanger side window has been completely smashed in, with nothing left. What process of repair will come to cheaper? Getting our insurance to cover it with access pay or a private company ( e.g Autoglass) thankyou""

Is a 2006 Hyundai Tiburon GS a good first car for a 16 year old male and about how much would insurance cost?

It is a V4. I have taken Driver's Ed. I have taken Defensive Driving. Taken the State Farm test thing. The car is dark blue.

Buying a car (scion tc) + insurance= how much expense a month?

Ill be buying a new scion tc no option for Im estimating 18k i got my license almost a half a year now and im 18 i had one speed ticket no credit history, so ill be paying 40% of the 18k and buying the car my moms credit sucks so im better off being indepedent how much is insurance for me these days. combined how much for the payment and the insurance will it be""

Bike insurance on a r6 in the uk?

ok so at the minute im banned 23years of age my ban is up next year so will be 24 when im looking to get insured im not even going to atemp to drive a car i know it will be to dear but have rode bikes my hole life so a big bike head would love to be leagul on a r6/zx6r 600cc sports bike does anybody know what it would cost me for a year for insurance serious answers please no idiots thanks

How can i make my car insurance cheaper?

im finding it more expensive this year than in 2010 to buy my car insurance and yet that was closer to the claims i've had to include (one in july for an sp30 speeding and the other for a none fault accident in my unoccupied vehicle in october). i dont understand this at all and its really bugging me as im finding it hard to get a decent quote. my car also has a rear spoiler which was there when i bought it which is also causing me hassle. is there anything i can do to get the best quote for my car, i'm going insane lol. im in the uk also""

Car Insurance for a 16 year old?

I Plan on trying to get these three type of cars Toyota Corolla SR5 1983 Nissan 240sx 1989 Mazda Rx-7 1991 You might notice two of these cars are sports cars but they're 20 years old so I just thought the insurance might be cheaper but anyway, Would you guys like estiamte how much insurance would be if I had bought any three of these cars. Also if anybody has any of these cars how much do you pay for insurance for that car and how old are you?""

Where can i get the cheapest motorbike insurance?

Hello, am currently 16 but very soon will be 17 and i am going to get my full motorbike license so i can rid a 125cc motorbike. I have been looking around for insurance quotes and so far all have been very expensive even third party only at around 900. The motorbike i want to get is a yamaha r125 yzf and am wondering if any of you have some advice?""

How can I lower my insurance rate?

I got a speeding ticket back in july of '04. My insurace went up recently. I am past the traffic school time. I live in CA. Is there anything I can do to lower my rate increase

What is the cheapest car insurance in Florida?

I wand to know what is the cheapest car insurance in tampa FL this is my first car insurance and i am 23 what is the avrage for people in my same age pay for thier insuranse and i have a clean record the car will be Acura 2.2 CL 1997 2doors

Do you still have to get insurance if you have a license but don't have a car?

I'm 17 and want to get a driver's license. I won't have a car for a couple years, so do I still need to get insurance?""

What car colors are more expensive for insurance?

I am buying a new car and I have found the one I want but I need lower insurance so what color is cheapest and what is most expensive.

Why are republicans fighting the health insurance mandate and not fighting the car insurance mandate?

If you have to buy car insurance and get penalized for driving without car insurance, whats the difference here? Its as much a privilege to drive as it is to receive healthcare. However no one thinks its an over reach of government to mandate car insurance. When you get in a car accident with an uninsured driver you have to pay for your own damage, so how different is it then when americans use the public healthcare system, the government has to use TAX DOLLARS to pay for their health care. Also why is it being categorized as a Government Takeover of Healthcare ? If I buy health insurance wouldnt it be more like a Privatization of Healthcare seeing that instead of having vast amounts of tax dollars going into the system, the health system would now be funded by the insurance companies by paying out claims.""

My friend and I got tickets for rolling right thru a stop sign. Will insurance go up even if we dont get a pt?

So, a line of cars got tickets for 'rolling right through a stop sign'. We are considering just paying the fine and taking traffic school, so then we wont get a pt on our licenses. But will the ticket still count toward raising insurance rates if we dont get the point? What do we do if we take the traffic school thing online? Do we need to take the certificate anywhere when we pass? We live in California.""

Husband won't get life insurance?

We just married a few months ago. He bought a house a month before we married through VA loan. We are almost 40, and I believe we need life insurance on each other to cover house, cars, debts, ect.... I have enough on me to cover for my part and some. My husband told me that my name if not on the house so I have not financial bearing. If he dies, I can simply walk out the house and downgrade to a trailer, apartment, rent home, cheper home, whatever.... or I can sell his things to help pay the note... OUr house isn't new and very simple!! regardless, I think this is rude. you don't leave your widowed spouse with all that baggage. He makes plenty that he could afford a policy. I am asking him to cover most of the house, his vehicle, and personal debt... which he has a bunch from before our marriage. Am I being hard on him? He isn;t willing to share checking account or save together. He doesnt want me minding his finaces- none of my business is what he tells me pretty much.""

Help with insurance terms?

Hi, i am having trouble working out what my insurance guy is telling me... what is a premium, and how often is it payed, and what is excess, and how often is it payed? what should i be asking and checking for? Thanks""

Cheapest car insurance company?

im switching car insurance companies. where will i get the cheapest price?

Best car (insurance wise) for new drivers?

Of the following cars (all old models), which would be cheapest for a new female driver. I haven't started to learn yet but I should be thinking about it in about a year and I should probably get a head start saving. Assuming I'd follow all tips to keep insurance down which would be best? Ford Ka Ford Fiesta Peugeot 206 Peugeot 107 Smart Fortwo Fiat Punto Or do you have better suggestions? Before you tell me, I am WELL AWARE that it will be very expensive.""

My insurance on my car is $450 and its nothing special of a car not fast how can i get it lower?

My insurance on my car is $450 and its nothing special of a car not fast how can i get it lower? the insurance company told me if i sighn on with my family it makes it cheaper...all of my friends are paying 120-200 i dont get why mines so much more/?

Car scratch - insurance rates?

How much would by insurance rate go up by if I caused a 750 dollar car scratch to another vehicle? My insurance rate monthly is at 62 dollars. I just want to know if that could double or be extremely drastic because i don't know if it would be better to just pay out of my own pocket. thx

Criminal record for driving without car insurance???

I would like to know whether an individual who plead guilty for driving without a car insurance (UK) get his name put on criminal record list. It seems to me unlikely because people normally get points of their licenses and a fine.

Should i have the right NOT to buy health insurance?

i could have saved close to $4,000.00 in the last 29 months by not having insurance""

My car got hit in the middle of the night. I don't have insurance but the person at fault does.?

I woke up yesterday to find my car hit and another car, with temp tags, abandoned up the road (it had a lot of damage to the front of it, so it was obviously the one that hit mine.) Today the officer who came yesterday called and had found the person at fault and gave me all of their information. I don't have insurance currently, and my car will cost a few $100 to repair, so what can I do with this info?

https://www.linkedin.com/pulse/insurance-settlement-william-sampson/"

[thrashermaxey]

20 Fantasy Hockey Thoughts

Every Sunday until the start of the 2018-19 regular season, we'll share 20 Fantasy Thoughts from our writers at DobberHockey. These thoughts are curated from the past week's "Daily Ramblings".

Writers: Michael Clifford, Ian Gooding, Cam Robinson, and Dobber

  1. First thing about Conor Sheary: he can finish. Across three seasons spanning 184 games and 300 shots on goal at five-on-five, he’s converted at a 12.6 percent clip. That’s a very, very good scoring rate. There’s also the cap hit. Sheary is only due $3 million over each of the next two seasons.

Adding Sheary gives the Sabres a winger who’s shown he’s capable of not only playing with an elite center (Sidney Crosby) but producing with an elite center. That’s exactly what Jack Eichel needs. I doubt Sheary sees significant power-play minutes so anything more than a 20-goal, 50-point campaign is too optimistic, but it does give them a guy to play with their franchise pivot while sheltering the younger guys in the lineup without significant cap implications. That’s a win for the Sabres. (june28)

  2. As much as he deserves to be the top pick of the 2018 NHL Draft in both real life and fantasy, I wouldn’t draft Rasmus Dahlin until the later rounds in a standard single-season league. Fantasy-wise, I see his numbers projecting similarly to those of Victor Hedman. So, you might have to wait 4-5 years for him to blossom, as 18-year-old defensemen don’t take the league by storm. Or, to put it another way, I’m betting the under on him reaching 50 points in his first season. (june27)

  3. I realize this could be a reach for him, and he might be a year or two away, but Oliver Wahlstrom’s game was made for fantasy. Lots of goals (22 goals in 26 games for US Under-18 team), so he could be similarly ranked to Filip Zadina when all is said and done. More proof: Wahlstrom went fifth and seventh in two recent fantasy drafts for draft-eligible players. (june27)

  4. I broke down the Steve Mason trade from a fantasy hockey perspective here. Some additional thoughts:

With Mason now out of the picture, the Jets’ backup goalie situation will be one to watch. While Michael Hutchinson is an UFA, promoting Eric Comrie is a possibility, as he had a fairly strong AHL season (34 GP, 2.58 GAA, .916 SV%), but he has struggled in brief NHL duty (four GP, 4.00 GAA, .880 SV%). I’d probably put my money on the Jets bringing in an experienced backup one way or another. There should be plenty of those for the Jets to choose from. (july1)

  5. A signing that might be of some interest to deeper league owners: Frank Vatrano has signed a one-year contract to remain with the Panthers. If he played baseball, Vatrano would be considered a ‘Quadruple-A’ player. He has dominated the AHL (36 goals in 36 games in 2015-16), yet his NHL career has never really gotten off the ground (10 points in 41 games last season). And with the Panthers adding another top-six forward in Mike Hoffman, it’s going to be even harder for Vatrano. He is 24, so there is still a bit of time. (june30)

  6. Mike Clifford covered the Fantasy Take on the Capitals naming Todd Reirden as the new head coach. Very little surprise here, as Reirden was the only candidate interviewed and the only name mentioned to be taking over the Capitals. With Reirden previously in charge of the defense, I would expect the Capitals’ defense to continue to be strong. That will be good news for Braden Holtby owners, who should now have another reason to feel confident about a bounce-back regular season. Winning a Stanley Cup should already do wonders for that, though.

One signing that should make life easier for both Reirden and Holtby is that of Michal Kempny, who was signed to a four-year contract worth $10 million. Kempny shouldn’t move the needle in any fantasy leagues but he strengthened the Capitals’ defense after his acquisition near the trade deadline in forming an effective pairing with John Carlson. Sometimes it’s the small moves that pay off more than the big splashes, as the likes of Kempny and Devante Smith-Pelly were difference-makers in the Capitals’ playoff run. (june30)

  7. Drew Doughty agrees to an eight-year extension with the Kings. The average annual value is expected to be worth just under $11 million per season. Fantasy implications? If you’re a Doughty owner in a salary cap league, you’ve had time to prepare to what should be around a $4 million per season raise. And if you’re an Erik Karlsson owner in a salary cap league, it gives you a better idea of what to expect. In spite of all the minutes he plays (league-high 26:50 ATOI in 2017-18), Doughty has not missed a game in four seasons. Over those four seasons, he is the only player to have skated over 9,000 minutes. (june30)

  8. Wayne Simmonds is a finisher. A guy who digs pucks loose and gets to the net. And that’s perfectly fine. Every team can use the type of player Simmonds is. He is great at what he does, and if he does get traded, there should be a long line of suitors.

His numbers did fall off this year but it’s not something that I think is concerning. Through injury and demotion at times, Simmonds played just 975 minutes at five-on-five. Of those 975 minutes, he skated with Valtteri Filppula for 400 of them, roughly 41 percent of his five-on-five TOI. It’s no secret that Filppula is far from the player he was years ago. Simmonds played over 40 percent of his five-on-five ice time with a guy who is, at best, a fourth-line center at this point of his career. That is in contrast to his 44-plus percent of ice time with Claude Giroux in 2016-17. It’s no wonder Simmonds’ numbers took a tumble. There are also the injuries. Oh man, the injuries. He played through a broken ankle, torn pelvis, and a pulled groin. He also tore a ligament in his thumb. Despite all this, he missed just seven games and still managed 24 goals.

Whether Simmonds is back with the Flyers or somewhere else could have an impact on his value. His fantasy value, at least on the production side, largely comes from the power play, so if he is traded, it needs to be somewhere he’s going to be on a heavily-used top power play unit. Maybe a down year will provide good value at the draft table come September. In roto leagues, he’s generally been a lock for a top-50 player. If he’s healthy in the right situation, he can be that player again. (june29)

  9. Zach Parise’s health will ultimately determine his fantasy value and considering he hasn’t played 75 games in a season since 2011-12, it’s clear how to value him. He’s a late-round pick at this point with hopes he can he play 70 games. (june29)

  10. Rick Nash is still unsure about even playing in 2018-19 and won’t be signing immediately on July 1st. At the least, he seems to be very much considering retirement, if not just being very careful about where he signs next.

Just a thought in dynasty leagues: now might be the time to get him extremely cheap. You should be able to get him for a lower-level prospect or some sort of pick, given the news right now is that he might retire. In the right situation, 20-25 goals is again possible. (june29)

  11. The Panthers’ Nick Bjugstad averaged just 39 points through his first four full seasons, maxing out at 43 in 2014-15, before posting last season’s 48-point campaign. He has three years left at $4.1-million per season, and if he can repeat 50 points for those three years, the team will get good value out of the back end of that contract.

While it had been tried out infrequently earlier in the year, the trio of Bjugstad, Aleksander Barkov, and Evgenii Dadonov was united pretty much for good on January 25th. After that point, Bjugstad played about 75 percent of his minutes at five-on-five with exactly those two players, and about 82 percent of his time with at least one of those two, if not both. The bulk of Bjugstad’s production came in that second half when he was one the top line, scoring 27 points in 36 games. Up to that point, he had 22 points in 46 games.

How Florida decides to use Bjugstad next year will be crucial. He can still put up good peripheral numbers even without the points; he had 95 hits, 41 PIM, and 230 shots last year and has topped 100 hits, 200 shots, or 40 PIM twice each in his career. But, whether he can produce goals and assists at a rate necessary for value in leagues that don’t count all, or some, of those stats will depend on whether he returns to the top line or not. (june28)

  12. Though he had just 30 total points, it was a breakout season of sorts for the Blue Jackets’ Josh Anderson last year. He managed 19 goals in just 63 games, outscoring his 2016-17 season in 15 fewer games. A big part of this is not only his increase in shot rate – his personal shot rate at five-on-five went up over 30 percent – but we saw the progression of a young player growing into a potential star.

Everything moved in the right direction for Anderson last year but he was slowed by three things: injury, linemates’ inability to score, and inconsistent lineup placement. Remember he was a fixture of the top line with Artemi Panarin and Pierre-Luc Dubois before he was replaced by Cam Atkinson.

The question of Anderson’s production next season will depend on his teammates rebounding from poor shooting percentages; he shot 9.43 percent at five-on-five, which is good, but the team shot 6.79 percent with him on the ice, which is bad. Just a full season at his 2017-18 level could see 25 goals next year. His assist rate will rely on guys like Oliver Bjorkstrand, Boone Jenner, and Brandon Dubinsky turning things around personally. (june28)

  13. Jesperi Kotkaniemi was the top center in a what was projected to be a weak year for centers. Guess what position is already the deepest in fantasy leagues? In one league, Kotkaniemi was picked eighth, whereas in another league he wasn’t even picked in the top 10. But given where the Canadiens drafted him and their lack of depth at center, they will give him every opportunity to succeed. (june27)

  14. I’m sure you’ve read all the articles giving Detroit pats on the back for the players that landed in their lap much later than expected. Filip Zadina was ranked third on a lot of lists (including our own in the Fantasy Prospects Report), yet Detroit got him sixth. Joe Veleno was ranked 11th on our list and Detroit got him 30th. But, here is the Devil’s Advocate point of view: They got a couple of players who sank for a reason. I don’t question Zadina’s talent. I think that one was luck in that Montreal wanted a center and Ottawa wanted a sure-fire scoring-line player who can help very soon. But, now I question Veleno, who has seen his stock fall for almost an entire year now. Reminds me of us celebrating the Penguins for drafting Angelo Esposito back in the day. There was a reason Esposito fell; is there a reason Veleno fell? I’ll let someone else take a chance on Veleno for now in my league. (june25)

  15. A day after being denied arbitration, Derrick Pouliot signed a one-year contract worth $1.1 million to remain with the Canucks. Remember when Pouliot was a must-own prospect in keeper leagues? He was still second among Canucks’ blueliners last season in averaging 1:35 in power-play ice time. (june27)

  16. J.T. Miller has signed a five-year contract worth $5.25 million per season. That might seem expensive but Miller seemed to be good fit with the Bolts, scoring 18 points in 19 regular-season games with his new team. Although the playoff production dipped (eight points in 17 games), it appears that his fantasy value improved with the trade. (june27)

  17. Why does Dougie Hamilton keep getting traded? Did Hamilton cause Calgary’s goalies to be poor, Mike Smith to get hurt, and the team to be abysmal at scoring at five-on-five? Did he cause them to shoot a full one percent less at five-on-five compared to 2016-17? Or, maybe all this is just nonsense and, under the pressure of a failed season largely driven by percentages, general manager Brad Treliving had to make a seismic move?

For years, Carolina had two problems: they couldn’t score and their goalies couldn’t make saves. In the game of hockey, being unable to tally or prevent goals is a, let’s say, problem. That started to change over the last couple years. Post-2013 lockout, 2016-17 and 2017-18 are the two seasons Carolina ranked highest in the league in goals/60 minutes at five-on-five. The power play wasn’t great but it was better than Calgary’s and there is a lot of room for improvement. Remember, we are going into Sebastian Aho’s third season, Teuvo Teravainen’s fourth full year, they have Martin Necas on his way, and just drafted Andrei Svechnikov. Veterans like Justin Williams and Jordan Staal, both capable scorers, are still around. There is still talk of Justin Faulk and Jeff Skinner being traded, and while the latter being moved won’t help scoring, hopefully on aggregate the return will.

Regardless, at least in terms of skaters, this franchise is moving in the right direction, and Hamilton will be there to log big minutes at five-on-five and on the power play. A repeat of his 2017-18 season seems more likely than his 2016-17 season. (june26)

  18. It sounds like Svechnikov will not only be in the Canes’ lineup this coming season but also in a top-six role. His stock could rise even further if the Hurricanes trade Jeff Skinner. Forty (40) goals and 72 points in just 44 OHL games in his draft season season. Svechnikov should score more points than Dahlin in their first season but Dahlin is ranked higher even in single-season leagues because he is a defenseman. (june27)

As much as Svechnikov seems ready to make the jump to the NHL, he’s not the only Canes’ prospect to keep an eye on this season. According to the Raleigh News & Observer, 2017 first-overall pick Martin Necas was “easily the most impressive player in (Hurricanes prospect development) camp.” Necas is listed at number 10 in the June edition of the Top 200 Fantasy Prospect Forward rankings. (july1)

  19. Flames’ coach Bill Peters doesn’t seem convinced Elias Lindholm to the top line is a lock. Tweeted Flames’ beat reporter, Kristen Anderson: Bill Peters says he is going to play Tkachuk a bit on the right side this year. But if the season started tomorrow, he’d put Lindholm with Monahan and Gaudreau.

Process of elimination says there’s either a plan in place to: A) move Matthew Tkachuk to the top line right wing; B) just move Tkachuk to the right side of this own second line for some reason; C) move Tkachuk to the third line. Given the second two options are improbable, Tkachuk moving the top line is what Peters is inferring.

That would be incredible for Tkachuk, who is so proficient in multi-cat leagues that he doesn’t really need the production boost, but he’d be an elite asset if that were the case. It would also kill any hope for a Lindholm improvement. My assumption is it’ll be a fluid situation all year. (june26)

  20. It’s going to be very hard for Anze Kopitar to improve on 92 points, Ilya Kovalchuk or not. It will help him maintain somewhere close to that level, though, so it’ll help him not fall off steeply in production, but not necessarily help him improve.

As far as Kovalchuk’s production goes, expecting anything more than 30 goals or 60 points is foolish. Guys his age just don’t produce at elite rates in today’s NHL, even fellow future Hall of Famers like Marian Hossa and Jarome Iginla. Start with those marks and work backwards when establishing your rankings. (june26)

  Have a good week, folks!!

    from All About Sports https://dobberhockey.com/hockey-home/20-fantasy-hockey-thoughts/20-fantasy-hockey-thoughts-30/

[activistnewsnetwork]

Trump’s ‘cruel’ measures pushing US inequality to dangerous level, UN warns

Donald Trump is deliberately forcing millions of Americans into financial ruin, cruelly depriving them of food and other basic protections while lavishing vast riches on the super-wealthy, the United Nations monitor on poverty has warned.

A journey through a land of extreme poverty: welcome to America

Philip Alston, the UN special rapporteur who acts as a watchdog on extreme poverty around the world, has issued a withering critique of the state of America today. Trump is steering the country towards a “dramatic change of direction” that is rewarding the rich and punishing the poor by blocking access even to the most meager necessities.

“This is a systematic attack on America’s welfare program that is undermining the social safety net for those who can’t cope on their own. Once you start removing any sense of government commitment, you quickly move into cruelty,” Alston told the Guardian.

Millions of Americans already struggling to make ends meet faced “ruination”, he warned. “If food stamps and access to Medicaid are removed, and housing subsidies cut, then the effect on people living on the margins will be drastic.”

Asked to define “ruination”, Alston said: “Severe deprivation of food and almost no access to healthcare.”

Alston sounds the alarm in the final report of his investigation into extreme poverty in the US that is published on Friday and will be presented to the UN human rights council in Geneva at the end of June. His findings are based on a tour he carried out in December through some of America’s most destitute communities, from Skid Row in Los Angeles, through poor African American areas in Alabama, and the stricken coal country of West Virginia, to hurricane-racked Puerto Rico.

The report amounts to one of the most scorching assessments of Trump’s leadership in his 16 months in the White House. It is likely to spark debate across the political aisle as well as globally about the US president’s rapid drive towards heightened inequality.

  The policies pursued over the past year seem deliberately designed to remove basic protections from the poorest

Philip Alston

The Nobel prize-winning economist Joseph Stiglitz told the Guardian it was profoundly important that international observers were speaking out about Trump’s impact. “This administration inherited a bad situation with inequality in the US and is now fanning the flames and worsening the situation. What is so disturbing is that Trump, rather than taking measures to ameliorate the problem, is taking measures to aggravate it.”

Top of the list of those measures was the $1.5tn tax cuts enacted by the Republicans last December that slashed corporate tax rates. “Can you believe a country where the life expectancy is already in decline, particularly among those whose income is limited, giving tax breaks to billionaires and corporations while leaving millions of Americans without health insurance?” Stiglitz said.

The UN monitor similarly excoriates Trump and the Republicans in Congress for passing a tax bill that “overwhelmingly benefited the wealthy and worsened inequality”. Alston added that “the policies pursued over the past year seem deliberately designed to remove basic protections from the poorest, punish those who are not in employment and make even basic health care into a privilege”.

He cautioned middle-class Americans from thinking they were immune from the lash of such policies, as Trump’s assault “bodes ill for society as a whole. The proposed slashing of social protection benefits will affect the middle classes every bit as much as the poor.”

 A homeless man tries to stay warm on a street on an unseasonably cold day in New York City on 15 March 2017. Photograph: Spencer Platt/Getty Images

The Federal Reserve annual economic survey released last week underlines the large pool of people who are vulnerable to any further erosion of the safety net. It found that four out of 10 Americans are so hard up they could not cover an emergency expense of $400 without borrowing money or selling possessions.

Cory Booker, the US senator from New Jersey, described the UN report as “disturbing, but unfortunately not surprising. We live in a land where great wealth lives alongside unconscionable poverty, and the Trump tax bill makes this dire situation worse by showering the wealthiest with huge tax breaks while Republican leaders seek to make drastic cuts to the social safety net.”

Booker, who has introduced legislation to combat poverty, said fellow policymakers should see Alston’s investigation as a wake-up call to take bold action, such as a jobs guarantee, healthcare for all and help for former prisoners to reintegrate in society. “People who disagree on politics can agree that no child in America should go to bed hungry, no home should lack access to a working sewer system, no illness should drive a family to bankruptcy.”

As one of the world’s wealthiest societies, the US is what Alston calls a “land of stark contrasts”. It is home to one in four of the world’s 2,208 billionaires.

At the other end of the spectrum, 40 million Americans live in poverty. More than five million eke out an existence amid the kind of absolute deprivation normally associated with the developing world.

The symptoms of such glaring inequality include:

Americans now live shorter and sicker lives than citizens of other rich democracies;

Tropical diseases that flourish in conditions of poverty are on the rise;

The US incarceration rate remains the highest in the world;

Voter registration levels are among the lowest in industrialised nations – 64% of the voting-age population, compared with 91% in Canada and the UK and 99% in Japan.

Against that backdrop, the UN rapporteur identifies a slew of what he calls “aggressively regressive” policies coming out of the Trump administration that are sending the country “full steam ahead” towards greater inequality. In addition to the tax breaks, there are new work requirements for welfare recipients, cuts of up to a third in the food stamp program, a recent proposal from housing secretary Ben Carson to triple the base rent for federally subsidized housing, and a burning of government regulations that offered protections to middle-class and poor families.

“This is an across the board attack on those who are living on the poverty line or below it,” Alston said.

The UN monitor contends that what amounts to Trump’s punishment of low-income Americans is based on an unfounded assumption that such people are lazy, work-shy and dedicated to defrauding the welfare system. Several senior government officials told Alston during his tour that scamming by welfare recipients was rampant, yet little convincing evidence was provided to support that caricature, he notes in his report.

The scrutiny now falling on Trump from the UN is significant in that the US stands increasingly as an outlier in the world community. Alston’s report adds to a mounting body of criticism emanating from global organisations warning the US that unless it pulls back from its current course it will end up isolated from all other developed countries.

The statistics speak for themselves. In 1980, the US and Europe stood side by side in terms of inequality – in both cases, the richest one percent earned about 10% of national income.

Fast forward to 2017, and in Europe the 1% has edged up to 12% of national income. But in America the same elite now gobbles up 20%.

Last year the IMF, a world body not renowned for being hyper-critical of countries that fail the poor, said: “The US economy is delivering better living standards for only the few. Household incomes are stagnating, job opportunities are deteriorating, prospects for upward mobility are waning and economic gains are increasingly accruing to those that are already wealthy.”

Stiglitz said: “It’s clear that this administration is totally out of step with the rest of the advanced world that is looking at the US more askance on so many levels. For Americans who are fighting against the abnormality of the Trump administration it is heartening and reinforcing to know that the rest of the world is becoming more resolved in how it deals with the post-Trump US.”

Originally posted by The Guardian: https://ift.tt/2J80xeB

from WordPress https://ift.tt/2Joi4Te via IFTTT

[mrcoreymonroe]

The 2022 All-homegrown Yankees

This is the 2019 iteration of what would happen if the Yankees traded, cut, and did not re-sign all the players on their team who are outsiders for the next three years. Only homegrown players are allowed on this team. The definition of homegrown would be anyone who has not spent time in another organization or spent at least one full year in the Yankees farm system.

Catcher – Gary Sanchez – .280/.350/.498/.848 with 35 HR, 91 RBI

I don’t see the Yankees letting Gary Sanchez go if he doesn’t continue his abysmal production from 2018. He is one of if not the best power hitting catcher in the league, and his defense is not nearly as bad as the press makes it out to be. He is one of those players with the ability to carry a team for long stretches when he’s hot and has all-star potential every season.

Backup Catcher – Kyle Higashioka .240/.330/.400/.730 with five homeruns and 30 RBI

I love Austin Romine, but as soon as he starts costing the Yankees money to hold onto, it will make more sense to put Kyle Higashioka in this role. Higgy is a solid defensive backstop and has surprising pop and power. He can hit homeruns and even hit for average if given regular playing time. His bat is better than most backup backstops, and he’s got a great head on his shoulders.

First Base – Dermis Garcia – .255/.330/.530/.860 with 35 homeruns and 99 RBI

I am still holding out hope for Greg Bird to turn his career around, but the prospects are beginning to look grim. Meanwhile, Dermis Garcia is starting to turn himself into a powerhouse in the minor leagues. He exploded in the second half last year and I would expect more of the same from him in 2019. By the time 2022 comes around, he will be ready to pound major league pitchers. He’s got 50 homerun potential, so the Yankees could have something special on their hands if he doesn’t bust.

Backup First Base – Greg Bird

Second Base – Gleyber Torres – .311/.395/.495/.890 with 34 HR, 110 RBI

The Yankees have a superstar at second and he shouldn’t go anywhere. He’s top notch both defensively and offensively and could be an all-star for years to come. He has power, speed, instincts, and a great arm. He’s a keeper and hopefully the Yankees can hold onto him for a long time.

Backup Second Base – Thairo Estrada

Shortstop – Oswald Peraza – .295/.355/.400/.755 with 13 homeruns, 65 RBI, 30 2B, 20 SB

There are a number of qualified candidates in the minors right now, but none of them have really separated themselves from the pack. Oswald Peraza is sneaky good. He is a superior defensive shortstop and can hit for both average and power. Those abilities have not manifested themselves in games yet, but I expect him to take a major step forward in 2019 and potentially move through the system rapidly. This is the most difficult position to predict, as there are 5-6 guys in the system who are candidates.

Backup Shortstop: Diego Castillo

Third Base – Miguel Andujar – .305/.345/.510/.855 with 35 HR, 115 RBI

If we are sticking with homegrown talent, no one can replace Miguel Andujar in this system. He has 30 homeruns potential and is a doubles machine. Sure, his defense is suspect. That is bound to improve over time though and he has youth on his side. I see multiple all-star games in his future.

Backup Third Base – Nelson Gomez

Centerfield – Estevan Florial – .275/.330/.480/.810 with 25 HR, 20 SB, 91 RBI

He had a rocky 2019 with some injuries, but he’s a surefire five tool athlete with the ability to hit, steal bases, and play stellar defense in centerfield. Health will be a major concern going forward, and he’s far from a finished product. On the other hand, this is a guy who has the potential to be a perennial all-star. He’s one of the best centerfielders in the minors, and I believe he will be a staple in centefield.

Backup Centerfielder – Everson Perreira

Left Field – Antonio Cabello – .290/.360/.501/.861 with 25 HR, 25 SB, 100 RBI

With Brett Gardner finally out of the picture, left field will be wide open in the next couple of years. Cabello has the look of a guy who is going to rocket through the system. He hammered rookie ball pitching in 2018 and is likely to skip a few levels and start in Charleston. He too has five tools and will be a plus defender in left field. He has a lot of Mike Trout qualities and could be a star in the league if things break right.

Backup Left Field – Raimfer Salinas

Right Field – Aaron Judge – .280/.390/.520/.910 with 44 HR, 120 RBI

Judge is a superstar and he isn’t going anywhere for a few years. I suspect the Yankees will lock him up long term and keep him as the face of the franchise. He will anchor this team for years to come and hopefully lead the Yankees to a couple of rings. He’s a homerun machine and an excellent fielder. It will be fun to watch his career develop.

Designated Hitter – Clint Frazier – .275/.340/.480/.820 with 33 HR, 100 RBI, 15 SB

Frazier will certainly play some outfield in the Bronx in 2022, but he will rotate with some of the other outfielders to play some DH as well. He can play all three outfield positions well, and he also is known to have some serious pop with the bat. The Yankees did well to keep him around, and he too has the talent to be a perennial all-star if he can overcome his recent injury issues.

Backup DH – Canaan Smith

Starting Pitcher Number One – Luis Severino – 20-5 with a 2.78 ERA and >1 K/IP

It is no secret that Severino has pitched like an ace. He is the best homegrown starting pitcher the Yankees have had since Andy Pettitte. Sevy has the velocity, stuff, and control to be a mainstay with the Yankees for years to come. More importantly, he knows how to pitch in the Bronx, which is a huge deal. They will keep him as long as he stays healthy.

Starting Pitcher Number Two – Jonathan Loaisiga – 15-7 with a 3.23 ERA and >1 K/IP

Loaisiga has the same type of disposition as Severino. Nothing phases him. He also has the same kind of electric stuff, poise, and ability to locate. It’s going to take another year or two for him to really establish himself in the rotation, but by 2022 he will be firmly entrenched in the rotation and the Yankees will have themselves a star on their hands.

Starting Pitcher Number Three – Clarke Schmidt – 18-5 with a 3.5 ERA and 190 K : 30 BB in 200 innings

Schmidt is finally going to be released in 2019 in the minors. He played last season but was on strict limitations. Now that he is fully healthy, expect to see him move quickly through the system. He has a mid to upper-90’s fastball, and his secondary offerings are already up to par. By 2022 he will be firmly entrenched in the rotation, likely hitting the majors hard in 2021.

Starting Pitcher Number Four – Albert Abreu – 12-8 with a 3.8 ERA and 230 K : 68 BB in 200 innings.

Albert Abreu has a tremendous arsenal. Albert Abreu has been effective when healthy. Albert Abreu has not been able to stay healthy. The biggest thing he needs to do over the next two seasons is stay healthy. If he does that, he may be a lot more than a number four pitcher.

Starting Pitcher Number Five – Roansy Contreras – 15-6 with a 3.4 ERA and 208 K : 49 BB in 190 IP

Yet another high-end pitcher in the system, Contreras is on the development tract to become far more than a fifth pitcher. If all five of these players hit their ceilings, this rotation is more of a 1a, 1b, 1c, 1d, and 1e group. They all have the potential to be ace or #2 type pitchers. Contreras is already mid to upper 90’s with tremendous secondary stuff. He has the looks of a guy who will fly through the system. He is similar to Luis Severino at the same stage.

Starting Pitcher Number Six – Deivi Garcia – 8-5 with a 4.05 ERA and 100 K : 19 BB in 85 innings.

Since there are always injuries and the sixth man will inevitably get significant time, he is worth mentioning here. Garcia had a tremendous year in 2018 on the farm, and there’s no reason to think he won’t continue that success into 2019 and beyond. There’s a good chance he will be a part of the rotation, and he too has that #2 starter ceiling. With this group, the Yankees could be looking at one of the top rotations in the league, even if they keep it 100% home grown.

RP1 – Dellin Betances – 1.8 ERA and 40 + saves

He has been a stalwart since his rookie season. Once the Yankees moved him to the bullpen, he absolutely took off. With his 100-mph fastball and devastating breaking ball, he will be an impact reliever for years to come.

RP2 – Domingo Acevedo – 2.3 ERA and 90 K in 60 IP

He is very Betances-like in that he’s a guy who has had plenty of success as a starter in the minors. He also is a huge specimen in terms of size and can dial it up to the high-90’s in short spurts. Acevedo has a good chance to actually hit his ceiling as a starter but I think shutdown reliever is his ultimate destination.

RP3 – Chad Green – 2.4 ERA and 85 K in 65 IP

Green has been consistent and devastatingly good in relief for the Yankees. He has found his niche and his numbers have been stellar since his transition to the bullpen. He is a special talent and the Yankees should hold onto him if they can.

RP4 – Stephen Tarpley – 2.75 ERA and 60 K in 60 IP

Tarpley made his debut with the Yankees in 2018 and it was impressive. He was even on their playoff roster. As a lefty who dominated all the way up the minors, Tarpley has a mid-90’s fastball, dominating secondary pitches, and pinpoint control. This is all a recipe for success, and the Yankees should continue to see that.

RP5 – Jonathan Holder – 3.2 ERA and 60 K in 60 IP

Holder has proved himself to be reliable in the bullpen, and that is the most important quality a reliever can have. He is consistent and you know what to expect from him. His performance is Adam Warren-like. Simply put, Holder gets guys out. He should continue to do that for years in the MLB.

RP6 – Chance Adams – 3.1 ERA and 70 K in 50 IP

Chance Adams has the potential to be a major league starter. If that doesn’t work out, however, he has the floor of a successful late-inning reliever. He can hit high velocities in short spurts and has the secondary stuff to baffle hitters in that role. Don’t be surprised to see him get looks as a reliever this year, and by 2012 he should be firmly entrenched as a member of the major league bullpen.

RP7 – Joe Harvey – 2.8 ERA and 52 K in 50 IP

Harvey established himself as a major league bullpen option with his performance in 2018. He played so well the Yankees added him to their 40-man roster this offseason. This bodes well for his future and raises the likelihood that he will be used in the bullpen this year. Harvey is another upper-90’s talent with secondary offerings, control, and a minor league track record to die for.

RP8 – Mike King – 3.5 ERA and 45 K in 55 IP

King came out of nowhere this year to become one of the best pitchers in the entire system. He increased his velocity and mowed guys down. The increased velocity did not hurt his control either. Now you have a guy with power, control, and secondary pitches. He very well could break in as a starter, but if not he should be able to become a bullpen stalwart. With all of this pitching talent, the future looks bright for the Yankees.

Overall, this looks like a playoff team at least. When you take into account that the payroll for a team that looks like this would be astoundingly low, it becomes apparent that the Yankees have a bright future. In reality the Yankees will not fill their roster with only homegrown talent. They will have some free agent studs in the lineup to bolster this team, and that will result in a team that is going to be extremely talented for years to come. They just need to take it to the next level and start winning some world series championships!

from Bronx Baseball Daily http://bit.ly/2VeLqq6

[beardedwinnerobject-blog]

texas insurance license

"texas insurance license

texas insurance license

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

RELATED QUESTIONS: 

What if im 18 and want to pay for my own auto insurance?

I'm thinking about moving out of my house cause it sucks. I'd have to buy my own car and I'm thinking an older civic, cause they're reliable. Anyone got any ideas on what a good but cheap way to insure would be?""

Where to go to find a house/car insurance quotas!?

I have a project for my economics class, we have to make a family of four budget for a month and we have to like buy a house, a car, food, and lots of other things But with this we have to go into detail and we have to find out the Homeowner/Renter Insurance and Automobile Insurance but I really have NO clue where to go to find this. Is there any website that just gives you the direct quota of how much it will cost you a month? Help me out anyone?""

No proof of insurance question?

So i made a mistake. I was stopped last night and cited by a law enforcement officer for no proof of insurance. I had an idea that my insurance was no longer valid due to it overdrafting from my account when i had no money. so i contacted the insurance company and now they will NOT re-instate the insurance policy due to the fact that i have had two bad overdrafts with them. I completly understand, and like i told the officer, this is my fault...i was poor..... anyways. Now i hear that the fine is 400.00 to start, i am willing to pay as i did not take the time to ensure insurance was active on the vehicle and that the overdraft was taken care of. However now i am hearing im going to loose my license...... So i was told by the driver license department that if i go out now and get an SR22 qualifying insurance plan with a different company, that when i walk into the justice court payment window, they will not take away my license from me? however justice court states that my license will get taken away and i have to bring the proof of insurance to the DMV............and get my license back. Please note i have a california license in the state of utah..... please help? what can i do to fix this? i will pay the fine, as i did the crime wether i was for-sure or not....but i need my license, i just moved and am living in a place wityh no friends, and a new job... PS sorry for mispelling and typing this is on blackberry.""

How much per year does health insurance cost for an average 50 year old with no employment benefits?

just a single person. no previous health problems. I realize this depends on specific circumstances, but you can ballpark estimate it for me thanks.""

Do you have to have insurance to register your vehicle in California?

I called the DMV to ask this, but I have been on hold for about 40 min.""

""Buying a car tomorrow, being added on to parents insurance, do I pay up front or ?""

Buying a car tomorrow, being added onto parents insurance, do I pay up front or am i just added to the updated rate the next month?""

Does anyone understand how rental cars work? Insurance/fuel fees... Think I got taken to school on this.?

I just had to bring my car to the shop for a repair. They ended up needing to keep it. Now a rental was covered under the warranty. So at least the rental was covered. But the guy had me signing off on insurance and what not. I guess the insurance on my car would cover the rental if I had an accident. But they would take from my cars deductible. So I basically signed off on a Collision Damage Waiver and also personal accident insurance. I did decline supplemental liability insurance though. Should the warranty be covering these fees or was this an extra that I got talked into? Because if the warranty covers the rental they aren't making anything. My understanding is it could be better because I am covered under their insurance if I have an accident and it wouldn't come off my own cars deductible? Kind of new to this and probably wouldn't have been worth trying to argue it after the fact that I signed off on stuff.So if I use this car for like 3 days I'm in it for like $60 in insurance. Also does anyone know how this buying the tank of gas works? I understood it as if I use so much then I pay there price of $5.60 a gallon. But I got told it was best to just buy the whole tank at $3.30 per gallon(best option seeing as gas is so much these days) And then to return it as close to empty as possible to get my moneys worth. If anyone can help me out so I know for next time if I can decline stuff or did I take the right steps and take there insurance so mine wouldn't be charged? After the fact I see I could have declined these.

Is it necessary to buy rental car insurance even though i have my car insurance policy with me?

i have a car and have taken...if i take a rental car , then my auto insurance...""

""How much would the insurance be, for a 17 year old female - new driver, for a Range Rover Vogue?""

It would be about 11/12 years old. 4.0L or 4.6L. And, probably is Petrol. How much on average would this be? UK!""

Do I need to buy auto insurance when I rent a car?

I presently have comprehensive insurance on my own car

Can I buy 1 months insurance ? ( under 21)?

Hi all, Been looking around for 1 -2 months insurance cover for under 21 in the Uk. It's been difficult to find anything on the internet. Can I actually buy this? Or would I just have to buy yearly Insurance? Any help would be much appreciated. Thanks in advance.""

Insurance? for laptop without getting home insurance?

I'm worried my brother hasn't as of yet insured his expensive laptop. What would work out more economical in the long run please: Content insurance but as a student he keeps moving, so all he wants to insure is his Laptop,mobile and passport both when it's in the house but also when traveling in the UK and abroad? (some policies like Barclays Gadget insurance make it almost impossible to make a claim ie: you can only claim if there's been a forced entry or if the Sim card is still in the phone whilst traveling. Well he lives with 8 other students and the landlord doesn't provide home isnurance in the contract, people are comming in and out of the house any one could take it from his room and the landlord won't allow him to put a lock on the door. If he's traveling abroad he will use a different SIM so... If he buys yearly travel insurance most only cover a single item up to 400, his laptop is an Applemac. Which would cover an expensive item without charging a monthyly fee above 10 per month? Stupid question but is it possible to jsut get content insurance for one room instead of Home insurance? Gadget Insurances seem pretty expensive and a lot of them don't cover the full spectrum of problems, stolen laptop whilst unattended in a hotel, lost, accidental damage even if the item is over a year, Thoughtbubble never even replied to his email enquiry. Bank insurance, they are limited and have similar policies such as above. Natwest have the advantage Gold and home contents insurance but it works out at 12 per month and his iphone won't be covered as phones have to be under 100. I don't have home insurance so he can't use ours. Please what else could he consider and no he's not giving back the gadgets and he is very careful but anything can happen. Would help to get some proper advice as even his bank Halifax didn't cheers""

Car insurance and speeding points?

Hey, when I was 18 I got 3 points for speeding. It is coming up to 5 years since I got them and when doing insurance quotes it always says 'any speeding convictions within 5 years' I was just wondering, dees that mean once it has been 5 years, that I won't have to declare them anymore? and will they completely disappear from my driving record/license? Also, please no replies saying 'grow up, dont speed etc. I know, which is why I grew up and haven't for 5 years. Thanks.""

Can I insure a car that is already insured?

I am a new driver and want to insure a car, the problem is that car is already insured by my mom with AAA. I currently don't have the money to use AAA as insurance so I was planning to get some cheap insurance right now. Is that possible? Or what would you recommend?""

Insurance for additional drivers has shot up?

I'm 16 and looking forward to buying my first car, so a few weeks ago i saw that if i was the additional driver on my dad's policy it would only cost around 400. However i have tried a few recently and they all have shot up to 1500+!!!!! Does anyone know why? It's ridicuolous how much they are trying to charge me for first years insurance.""

What's the average insurance premiun for a Taxi in the US?

What's the average insurance premiun for a Taxi in the US?

How much would car insurance be for a new driver and a crappy car?

I got my liscense 2 months ago and have been saving for a cheap car on Craigslist; around $1500. I need to know how much I would have to pay annually for car insurance for like a mid-90's, 150K miles Nissan/Volvo.""

Car Insurance - Accident (Please Advise)?

Today an OAP came driving down a one-way carpark (trying to get my car parking space). In the process, she attempted to drive along the side of my car to get to the space, and scraped the side of my car and bumper. She said she would give me 20. But i said that i haven't got a clue how much the cost would be and im sure 20 wouldn't cover me. So she decided for us to drive to the local police station. The LSTO took both our details, and said for us to go through the insurance company, as the OAP was in the wrong and liable. When we left the police station she said she has previously written off a car earlier this year, and doesn't want to go through the insurance company! She gave me her home telephone number and said for me to get a quote and she'll pay for it. I got the quote - its 450. after she offered 20, i don't know if she will pay this amount! If we go through the insurance will i have to pay my excess. and what exactly happens!? I'm clueless!! I am fully comp...""

Other Drivers On Car Insurance Liability Policy?

I want to add my little brother's car to my car insurance policy. If I add the car, under my name, but do not add the actual driver (my brother), what risks am I taking? If he is driving a car that is insured under my name and he gets in an accident where he is at fault, will the other person's damages still be covered by my insurance? I know that with liability insurance he would be SOL for his car, but I don't want to get stuck paying for someone else's car if he crashed and it was under my name. Please shine some light on this for me.""

Since the passage of The Affordable Care Act (0bamacare) how much have your health insurance rates gone down?

How much more affordable is your health care ?

Can we have the car in one name and insurance in the other name?

My boyfriends car is in his dads name. Does anyone know if we could keep the car in his dads name but get the insurance in my boyfriends name???

""What does 100,000 300,000 coverage mean for auto insurance?""

Does that mean 100,000 per person injured? 300,000 max per accident?""

How much will a no insurance and no registration ticket in California cost you also car is in the impound?

How much will a no insurance and no registration ticket in California cost you also car is in the impound?

I am selling my car and I have a suspended driver's license. What kind of insurance policy can I buy?

My driver's license will be under suspension until January 2014 and so I have decided to sell my car. What do I do about insurance? I dropped mine when I realized I would not be driving as a way to save money, but now that I want to sell the car I believe I need the insurance even just for someone to take a test drive. Are there short-term or reduced costs policies available in this situation? I would of course immediately not need the insurance once the car is sold, which could be very soon.""

Is insurance cheaper for a stick shift or automatic car?

Or it doesn't matter?

texas insurance license

texas insurance license

Where can I find really cheap car insurance?

poor working girl in cali seeking really inexpensive car insurance

""For my situation, what is the best way to minimize my car insurance?

ok the situation is like this. my family has two cars. (maxima and accent) I (21years old) use the accent and my parents use the maxima. All three of us are under the same insurance plan. I might sell the accent and buy a used car and pay monthly(financing). so that means the insurance has to be full coverage right? and not liability. (the maxima and the accent are both fully paid and they are under liability right now) So if I buy a used car what is the best way to minimize the insurance cost?...which is a good insurance company? can I be covered under my dad's name or something? my friend said something like that..but I don't know if there is such a thing. by the way my parents live in massachusetts and i live in NJ. what should i do? (don't tell me not to buy a car)

How much would a street bike cost to insure?

like a gsxr 1000. Just the price range.

How auto insurance works in california?

i backed up into a car today and there is no damage to my car but a dent in the others hood, and i said lets call the police and they said lets just exchange information, i said no i'd rather have them come...they said they called when i was getting something in my car and said the police said they would take a while so we decided to exchange info...i got her license but they said they didnt have the insurance info with them....but in the mean time i gave them my info...now i have a feeling that maybe they didnt have insurance and there is no police report so what can happen now?""

Whats a good cheap sports car?

Hello i need some help. This is my situation I'm 20 years old i live in Connecticut and I'm looking to purchase a car (used). I have about $2k cash to put down on it. I would say my limit for price would be about 6-8k due to financing fees taxes etc (credit score of 731). Now what I'm looking for is a pretty fast sports car to use as my DD.(I currently have a 89 mustang lx 5.0 which gets about 10 mpg city) Not very economical as a DD when gas is over $4 a gallon. Anyways back on topic, I found a 2002 wrx for 8k but got quoted for an insurance rate of 2k-3k. So this is out of the question! I make about 200 a week at the moment and pay $100 cell phone bill and $100 a month for rent. So my funds are limited for insurance + car payments. Basically i need to know a reliable cheap fast sports car i can get a good insurance rate on. But it also has to get good fuel economy! Sorry for the long rant and me being so picky but please help!""

How much extra is car insurance if you have points on your licence from speeding?

Is it worth attending the speed awareness course or does this not matter to the insurance companies.

What is the cheapest ADD/ADHD medication for the uninsured?

I take 20mg Vyvanse now, but they cost so much money (300 plus for 60 pills). I am working but wont get health insurance for another 2 months... Is there a substitute drug that is a bit cheaper? Ritalin? Aderol? Concerta? Does anyone know where I could see a pricing chart.""

How to join car insurances?

HI I have one car at the moment. Which insurance is due in november 1st. Now if i buy another car this month or next i will have to get that insured aswell. The question i want to ask is that how can i have both cars insured under one company e-g LV. As they will have different starting dates of insurance and different ending dates? Also is it cheaper to have two cars with same company or different companies?? Can i have both with same company but different main drivers?? Many Thanks

What is the cheapest/best car insurance and car for a newly licensed driver in MA?

What would be the best and cheapest type of car and car insurance to get for someone who just received their license?

Do Car Insurance rates go up when being rear ended?

I was rear ended and it was NOT my fault. I live in California and have State Farm. Will my rates go up?

How Much Would A 2001 Trans Am Cost On A 18 Yr Old Males Insurance?

How Much Would A 2001 Trans Am Cost On A 18 Yr Old Males Insurance?

Do you know how much your health insurance premium will be going up?

I just received a newsletter from my health insurance company with these items: Health Insurer Fee to be phased in starting 2014: There will be a Health Insurance Provider Fee on premiums charged by health insurers. Some plans will be exempt, for example: Medicare, Medicaid, etc. It is estimated this will add at least 3 percent to insurance premiums. Congress anticipates $455 billion savings from cuts to both Medicare and Medicaid. Providers and healthcare facilities are expected to cost-shift expenses to commercial plans. The U.S. faces a shortage of primary care physicians (40,000 in the next decade), Oncologist (3,000 to 4000 already today), Nephrologists and -- perhaps the most scary -- Nurses (300,000) in the future according to one study. These figures do not account for the demand created by health care reform. So, we have a ways to go before we have reached our goal of affordable healthcare for every American. The Affordable Care Act is a good start toward that goal. What is the Affordable Care Act? .""

Affordable cheap dental insurance?

I'm 21 and need dental insurance.. I need to be able to see a dentist if I need to and would like braces so that % off with the dental would be great . What are some affordable dental insurance plans for myself? thanks!

How old do you have to be to start driving lessons?

How old do you have to be to start driving lessons?

How much does liability insurance cost for a night club business?

I'm trying to get a night club business started and i need insurance how much does it normally cost? and what kind do you recommend getting?

Does the Affordable Care Act force employers to PAY for or just PROVIDE insurance?

I've heard so much about how an employer with 50+ employees will be required to [provide] insurance to their full-time employees. Nowhere, I mean nowhere have I read clarification as to whether this actually means they have to PAY for their employee's insurance or simply PROVIDE it, which is a huge difference. My employer (a hospital) has always PROVIDED insurance but they don't PAY for it. They simply PROVIDE employees with the option to purchase their expensive insurance, which is like $250/month for part time employees. It would literally be 50% of my paycheck to purchase the insurance my employer PROVIDES. Can someone clarify the difference?""

Gap insurance on new auto?

what is the cost for gap insurance for honda acord 4 door sedan 06 year

What is the best and cheapest insurance when renting a car in America?

I have heard that when renting a car in America the insurance can be as much as the rental cost itself when organizing insurance through the rental car agency. I am traveling to the US and will be renting a car and am trying to figure out a batter way to get the collision damage waiver insurance other than paying the high insurance prices offered by car rental companies.

Where can I find affordable dental insurance for my father?

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

How do I get auto insurance without getting my parent involved?

I got my license in June and i turned 18 last week. My dad is trying to find a cheap auto insurance plan but the cheapest one he claimed to find was $6,000/6 months and he's not willing to pay that. I'm thinking of getting a part-time job at my college but idk how the process of getting insurance works out.""

What is best single Premium Insurance Policy?

My father looking Good Return Single Priemium Insurance Policy and father age is 58.Please help me.

Any car insurance agents out there? Or at least somebody who knows a lot about car insurance?

I will be driving on my sixteenth birthday if I can get a job, because I will be responsible for paying ALL of my insurance. How much am I going to have to pay? I drive a 1989 Chevrolet Silverado. Plus I heard good grades have something to do with it (sometimes), I have an A average. Help!""

Car Insurance : Average price for 40yr old female first time driver?

Just passed test. Quotes vary wildly online. Not bought a car yet. Looking at Nissan Micra's. What kind of prices should I be looking at?

Cheap home owners insurance?

they keep raising rates with no justification. Which company do you use? Are they expensive? Are they cheaper? I Cr 13;8a

Car insurance for a 21 yr old living in ny?!?

Approx how much does car insurance, per month, cost for a 21 yr old college student from abroad in ny? My sister who lives in the country pays about 130 dollars per month in MA.""

texas insurance license

texas insurance license

Obama Compares forced health insurance with car insurance? WTF/ No one is forced to buy a car?

Why does obama compare forcing citizens to buy his corrupt insurance for welfare medicine to buying auto insurance? No one has to own auto insurance...IF YOU DON'T OWN A CAR? How did we end up with the stupidest man on the planet as our president when he's just an idiot?who cannot debate the simplest issue--and make wild irrelevant examples. His plan is not like auto insurance--so why can't his fans as dumb as he?

I am 55 yrs old.Have lost my husband.Can I be covered under my daughter's health insurance thru her job?

I am 55 yrs old.Have lost my husband.Can I be covered under my daughter's health insurance thru her job?

Where to go to get a quote?

Hi people, I'm seventeen, taking my driving lessons but find it incredibly hard to get a quote for insurance. I want a rough estimate so i know how much to save but every site i have checked is for someone who already owns a car. If anyone has any good sites or references for my position it would be appreciated. thanks dudes XD""

What is a car insurance down payment?

I see these commercials for cheap car insurance with a low down payment . I've had three car insurance companies in my life and not a single one has required a down payment. Why would anyone choose a company that did?

Why is car insurance so expensive in the UK!?

So i'm not driving yet, only applied for a provisional, i'm age 17. But I thought why not try and figure out how much my insurance will be once i've passed and buy a car at roughly 1000, so I filled in all the details as accurate as possible on the compare websites and the cheapest yearly insurance price was 5600! How the hell am I suppose to afford this, am I doing something wrong haha :L""

I think my short term disability due to giving birth got messed up?

So I want on leave on May 20th due to best rest. I used all my vacation and leftover sick time, and the rest is paid by short term disability, a total of about 9 weeks total. I stayed home 6 weeks after my baby was born since my work doesn't cover any of my pay. I work in a very small private business, just 3 of us. My boss had never handled maternity leave before, and I think he did it wrong. A few weeks after I gave birth he said he got a check from the disability insurance agency, it was made out to his business. So he cashed it and wrote me a check for the total amount from his business account. There was no explanation of how to dole it out, so he just gave me the total amount. Then, just now, 3 weeks later, I got another check mailed to my home from the insurance company?? What happened? I should of only got paid for the 3.5 weeks I believe from short term disability because I was paid for the rest. The insurance company is not open until tomorrow so I cannot call them yet.""

Help me with me car insurance?

i am 34 years old have a new license with pass plus and recentley bought a car. what is the cheapest car insurance for me(third party) thanks

Why are liberals comparing health insurance with car insurance?

When has the government forced people to drive or buy cars? The best way to avoid car insurance is by not owning a car, but with Obamacare if I refuse his wonderful medical care I get fined. I don't understand liberals, first they complain about the big bad pharmaceutical companies, but now they are cheering a law that forces people to buy insurance from those same companies. What if the companies can't afford to give everyones insurance? will Obama bail the out with borrowed money...again?""

BEST AFFORDABLE MEDICAL INSURANCE FOR NEWLYWEDS (NO KIDS)?

HUSBAND MAKES MORE, SO NOW NO LONGER QUALIFY FOR MY INSURANCE. WHICH IS THE BEST INSURANCE FOR PEOPLE WITH NO KIDS, AND WHICH IS THE BEST WHEN WE DECIDE TO HAVE KIDS? AND WHY? THANKS SO MUCH, THIS IS A PAIN IN THE REAR...""

Cheap car insurance im 19 male 1yr no claims any ideas or websites?

i need my insurance to be as cheap as possible any help ? ideas ? any thing lol any websites or anything to help thank you i know im in the same boat as everyone but this is worth a try lol

Does a teen have to pay extra car insurance if they get their own car instead of using their parents'?

I'm 17 and have a license. We currently pay something like $800 / year for car insurance which allows me to use both my mom's and my dad's cars. If I got my own car, would our rate stay at $800 / year or would it increase because of me being the primary driver / having an additional car to drive / etc?""

Good auto insurance...?

I'm with AllState and I can't stand them. They charge way too much for so little. Which other insurance company offers better quotes??

Car insurance while buying a car.?

I live in Washington and i plan on buying a car, $700 cash. Do i have to have insurance to drive it off the lot? or can i just go without insurance, i'm not financing or anything, paying full price.""

How much would insurance cost?

I am 20 years old, I have taken driving school, I have been driving since I was 16, and i have my g2. im gonna need a reliable car to get me to my new job. I am looking for a used care, i need to know how much insurance would be. Can anyone suggest a car, used, 2004-2008, price, insurance for a female who is 20 and taken driving school. Something reliable like a honda or a mazda or anything else and around how much payments would be a month. i know it wont be exact , there are many factors i just am wondering like an estimate if anyone can help me.""

Do you cancel an auto insurance quote?

I had an economics project and there was a section where I had to purchase auto insurance. Sure enough, I went to Geico and got a free quote, but the problem is that Geico is annoying to lock in the policy and actually have me as their customer. What can I do to tell them that I only wanted a policy for a project and I'm not really their customer?""

NJ car insurance?

NJ My daughter borrowed my car and was in a minor accident. She has her own insurance. My insurance company paid the other drivers claim and my insurance went up. Shouldn't my daughters insurance pay the claim. We have twoseparate companies.

What is some cheap car insurance companies?

hey so i'm 18 & i'm looking to insure my car again after letting my brother have ago and he crashed it without being insured, i've been to court & i got a 6 week ban & a fine but im starting to look for insurance 7 i was wondering if anyone knew of any cheap ones to try? cheers""

How to be auto insurance agent that sells more than 1 brand of auto insurance product?

I am interested in becoming an auto insurance agent. I want to do this part time, but I don't know how to get started? I can go to school to get the degree to sell insurance, but how do you get the connections to sell the various types of insurance ?""

How much will my auto insurance go up(rough idea) if I get a job where I would use my car?

Just curious what range it might fall in. My premium with state farm is very low, about $70 a month with full coverage on a 1994 3000GT. Milage would be like 125 a day.""

Can I apply for Health insurance and how?

Im only 17 years old and i no longer want to be under my mom's health insurance because im pregnant. So i was wondering what are my options for health insurance? i have no idea where to begin.

Car Insurance think my car is a write-off but independent garage think otherwise?

My car (an 05 Peugeot 206) was involved in an accident (which was my fault but thankfully no other vehicle or persons involved) and there's been some damage to the front of my car (bonnet, grill etc.) - I've rung my insurer and they believe it's a write-off but I've asked them to send an assessor to check the damage. I've also had an independent garage look at the car (as someone else said that they did this in a similar scenario) who believe its not a write-off and they can repair it (450 was quoted for parts!!). He's sending me a quote for insurance work and a quote if it was done for cash. Can I get my insurer to use this garage if their assessor still deems it a write-off? If not, what are my options? This is my first time claiming insurance and I've got no real idea!!""

20 years old - Can I get a months Car Insurance?

I am 20 years old and want a months car insurance for the christmas holidays - is there any company that will let me do this? Every one I have looked at appears to have a minimum age requirement of at least 21, does anyone know of any that would allow me to take out a months policy at the age of 20?""

What is the cheapest car insurance premium quote?

That you know of , for an 18 year old male driving a group 1 car. Thanks.""

""I need cheap car insurance, which company would be best?

I'm a freshman in college getting a car and I have a tight budget. Please help.

Am I eligible for unemployment insurance in Alaska if I am a full-time student?

Am I eligible for unemployment insurance in Alaska if I am a full-time student?

texas insurance license

texas insurance license

How much would car insurance for a 21 year old be for all state?

How much would car insurance for a 21 year old be for all state?

Do I need insurance to drive. Or is it fine if the car has insurance?

Do I need insurance to drive. Or is it fine if the car has insurance?

CA Senior Supplement Insurance?

I've reached the age now lucky I guess, Seniors from California which supplement insurance is best in cost/ benefits PLEASE Help. :)""

How much would car insurance be for a 16 year old girl with a mustang?

I will be turning 16 and getting my license in January and i plan on getting a Mustang 2008 GT not certain the color yet although i understand that affects the cost of insurance. Its most likely to be red, which i also understand it will cost more for red. Anyways it will be a convertible. So i would just like an estimate on monthly cost for insurance. and if your one of those adults that is just gonna mouth off that its not reasonable for a teen to get a mustang convertible, your just trying to look cool ect ect, please dont, adults always feel the need to be snarky i just am asking what you estimate is thank you for your time!(:""

Is it worth it to buy the extra insurance for a UHaul rental truck?

That is, even though my car insurance covers rentals, I have a 500 dollar deductible. Does getting the rental truck insurance make it so there is no deductible in case of an accident?""

How much should I expect to pay for car insurance? 19 year old African American in Georgia.?

Driving a 1999 jeep grand cherokee or a 99 honda civic. What do you think I should expect to pay?

Will homeowner insurance rates go through the roof if Cap and Tax passes through the Senate?

HYPOTHETICALLY............If you are trying to sell a house, you get audited (like it says in the bill) and they say that you have to upgrade a whole lot of stuff that you can't ...show more""

""What is an affordable used coupe for about $8,000 that wont be incredibly high on insurance?""

What is an affordable used coupe for about $8,000 that wont be incredibly high on insurance?""

""If I buy a car and plan to restore, is car insurance usually alot cheaper? Can I still drive it occasionally?""

I am planning on buying a 84 blazer and fixing it up, it runs and stuff, so I can a discount on insurance if I plan on restoring it?""

State farm or farmers for auto insurance?

I have a farmers policy for my auto insurance. My agent never replies nor picks up the call. I want to change the agents. I am thinking if I should check with with state farm. Do you know if state farm has better or same or expensive rate for the similar coverage than farmers?

""For my roads test, do i need to have insurance on the car i use (virginia)?

I am 19 years old and I am long over due to get my license. My mother let her insurance lapsed and she is the only person who's car I can use. Do I have to provide a insurance card when I go to take my roads test

Whats the cheapest car insurance for a 19 year old without previous insurance and 2 speeding tickets?

whats the cheapest car insurance for a 19 year old without previous insurance and 2 speeding tickets full coverage?

How can I get cheaper insurance?

I'm 18 years old about to be 19. I paid 200 monthly for insurance but found out there raising my fee to over 500 bucks. I used progressive to find a quote and I got 400 from it. I got in one car crash last year. What are my options?

I need affordable dental care.?

I am a college student without any kind of health/dental insurance. I really need to have several root canals done. Is there anyway I can get affordable dental care without insurance?

Is insurance a must for everybody to have?

Is insurance a must for everybody to have?

Car insurance for a rental car?

Hello, I was looking to rent a car for about 1 month, but finding the rental companies insurance costly than the car itself. I called up few insurance companies and they are ready to provide me some cheap basic insurance for like about $75.00/month which covers liability, other car damages; but not the physical damage of my car (they said my credit card company should cover it). I discussed this with one of my friend and he said that the rental car company would not allowed you to rent a car on the renter's insurance. Is it true? If yes, then what could be the best way I can get a cheap and covered car insurance for my rental car for 1 month. Please suggest.""

Classic car insurance companies?

anyone know any classic car insurance companies that will have 17yr olds??

""Help! If my car insurance deductible is $750 and repairs cost $489, How much will the insurance company pay?""

My car was vandalized. The adjuster sent me an estimate for $489. This is lower than my deductible. Does this mean that the insurance company does not have to pay anything? If so, i'm going to find some better insurance.""

Teen car insurance question?

Everyone knows that if you get good grades your insurance costs are lowered. i live california just so you know i dont know if it matters. but if i got about a D average my first semester and B+ or an A average second semester will they look at that or average them together. also any other tips to lower insurance costs... thanks ahead of time.

Best insurance company for a 16 year old driving a v6 or v8 camaro?

my thought is that while a v6 camaro might be reasonable to insure a 16 year old driver with, the v8 wouldbe some unuearthly figure in the 8 digits. i know its based on SO many things, but im just asking if anyone has a HUNCH about what insurance company is the best/cheapest for a teen driving a camaro? assume its a v8, ad it cant get any worse if it ended up being a v6, if you know what i mean. btw dont say american faimily. they wont even insure a person with less than 5 years driving experience driving a v8 camaro AT ALL, let alone at a huge rate. finally, do you think there is any way on earth for insurance for a 16year old driving a (2000 lets just say for example) camaro v8? including all the little bonuses like good grades, clean record, etc. all of which i have. thanks so much for your answers! they REALLY help!""

Cheapest auto insurance in CA?

Cheapest auto insurance in CA?

""Can you get cheap car insurance, under fully comp at the age of 17. But at a reasonable price?

Is there any car Insurance company out there that could offer me a really good price for car Insurance? Im looking to insure a 1.2 litre Renault clio under comprehensive Insurance. Reason I want to do this is because I will be able to drive other cars to without me paying for insurance on them. Anyone?

Why wont my insurance insure me ?

im currently paying 350 for a 125 honda varadero ( on learners ) then i passed my test ( im 19 ) i upgraded cost me 27 to get pillon and change to big licence. Then i asked them to do me quote on a 250 ninja r, so i can get insured on that and they said the insurance doesnt cover me you have to cancel it and go some where eles. what the ****?""

Cancelling Car Insurance questions any help please?

Okay, first and foremost thanks for reading. The situation with me right now is I'm thinking about cancelling my car insurance after this month. This is my first time having insurance but I can't afford the payments because I have been unsuccessful in getting a job. Not only that but the car cannot be driven again until it is fixed so it will stay in the yard. I didn't get into an accident or anything but it needs a few parts cause they've worn out. So I was just going to get it cancelled/lapsed whatever since there is no point for me to have it if I cannot drive my vehicle. I don't have the money right now to repair it either. I'm thinking about cancelling it, waiting until I get my car fixed and then getting some new insurance. But my mom told me that once your insurance runs out in NC you have to bring the tags back... Does that mean I have to pay the full registration fee again once I get another insurance policy as well? Or can I somehow just keep my tags until I get some new insurance within the next two or three months? By the way the vehicle will stay parked until I have enough money to fix it and insure it.""

What happens if u get caught driving a car without insurance?

what fines or punishments do u get driving a car without insurance or registration in ontario? Also, what happens if you get caught driving with a g1? and both?""

texas insurance license

texas insurance license

https://www.linkedin.com/pulse/florida-insurance-college-jayden-jenkins/"