#get me that $10k salary bump

[changguscomet]

I told my manager and she was so chill about it omg she was like “what team is this?” and I told her and she was like OH I KNOW MICHAEL and then went into this whole spiel about how she works with his team often and what they do and I was like wait I KNOW MICHAEL TOO - I’ve seen his name before but haven’t worked with him directly - so hopefully even though I don’t have direct experience with what the job is, the fact that I understand what his department does will help 🙏 my manager also said she can put in a good word for me if I want and I was like bruh what

I'm girlbossing too hard again, I decided to apply to an internal posting just cause it looked interesting and I didn't think I had a chance but I've made it past the first round of interviews ... now I have to tell my manager that I could be leaving this position

[frogl3gs]

regarding my last reblog/post: 

so. we had a come to jesus meeting on wednesday as an agency. essentially a project was due and to be delivered to a client that morning. i walked into the office and immediately the head of the agency started firing off questions at me. “where is this? why isn’t this done?” etc etc. And I was just like hey, my shit is done. I haven’t packaged or prepped it but I’ve pulled all the data and it’s been analyzed, I just haven’t dropped it into the deck because frankly, I didn’t even know there was a deck. 

and he was like what? i’m looking at the deck right now. and then i showed him what i had been sent at 5:30 p.m. the night before. i had a blank deck. he had a nearly completed deck. he was like, “why didn’t you have this or know about this?” and i’m just like this has been a constant problem with this client and this project manager and account manager. 

so he called an all hands meeting. and boy. did we have it out. I stood up for myself in a big way. and I straight up called people out because i had been tracking this shit and there’s a fcking paper trail where i’ve had to pull info out of these people. my critique was this: 1. you don’t assign me tasks in the way that YOU set forth by adopting this project management software and 2. client info is never relayed to me. if something is reprioritized, i’m never notified by this team. 

and their critique of me: you need to be more proactive. come to us with projects you can do. 

my rebuttal: i sent everyone a list of what i can do a month in. i gave everyone a copy of my resume. i’m not in client meetings. i can’t just pull shit out of the air to do for clients if i don’t know what’s going on. 

their response: well if this is such a big problem, you should have communicated it to us earlier. 

me: [acct manager], i have spoken to you on several occasions, face-to-face, telling you what i need. i have sent it over slack. i have said it over asana. i have emailed it to you. then, [project manager who is acct managers boss] i came to you and told you all of this. and nothing has happened until it fell in [agency head’s lap]. and HE called this meeting. not y’all. this concerns me. i am siloed and am not in any client meetings. i didn’t even know there was a client meeting today. how am i supposed to know when things are due if it isn’t in asana???

and the whole time, the half of the office that isn’t going to join new client, acted flabbergasted that this was even a problem for me. 

and i cannot stand this shit. so i had a real conversation with head of agency about moving over to client. and that’s what I’ve decided to do. why?

1. the work isn’t as hard. i will be learning less on a daily basis but it won’t take as much energy out of me. i think this is fine because i have my consulting stuff about to take off. maybe it’s even an advantage. 2. i will have healthcare, 401k, and stock options. i really need healthcare right now. it does suck that this is such a factor but it’s true.  3. i will probably get a 5-10k raise. I’ll probably get a title bump too but that’s only so i can get more money. i could care less about my title tbh. the play here is, the client will match industry salary for my position so if i ask for a title bump then that = a raise.  4. i will get a standing desk. 

i am still sad about it though. i wanted to do this agency thing. i just know though, that i CANNOT operate with what has been going on. and with [head of agency] moving over and not being involved on a daily basis, it’ll just get worse for me. idk. sucks but whatever i can do to help my consulting flourish, i have to be willing to do.       

[jadelyn]

Holy shit y'all.

So our HR department has been in the throes of a huge reorg for like six months or more now. Part of that was they were redoing all the titles and job descriptions, including mine. And I'd told David flat out in my review input that I'd really like to make the jump to Analyst and flee the tyranny of the time clock if possible.

So today, we had a meeting to talk about title and job description and stuff.

I'm getting a promotion to HRIS Analyst, salaried exempt, pay bump of about $10k/yr, retroactive back to June 2017, when we hired Lindsay for the assistant role.

This is...huge. And David told me he'd told Stephanie that it wasn't fair to me, they'd had me in a position (the assistant role) that was well below my abilities for far too long, I am an asset to the organization and someone who "has the mission in their heart" (nonprofit speak) and I could've been making more money elsewhere for a long time now, and the organization owed it to me to recognize that. And she agreed wholeheartedly and so this is happening.

I cried a little bit. I'm not good at being expressive when I thank people, but I tried, and I think David gets that about me anyway.

I am having Many Feels right now. This is...really the first time I've felt genuinely valued and appreciated by the organization - I've always known I was valued and appreciated by individual folks, that's never been an issue, but by the organization? Previously it always felt like what I was given was given grudgingly and only after long fighting. This? This was someone half a step from the top of the organization saying "yes, the organization owes you better than we've given you in the past, you're worth it and we're going to make good on it."

(Also, holy shit that retro is gonna help solve some financial problems lol)

[awakeningsuspicion]

Last Day

Rant about me leaving my job because I need to get these thoughts out of my brain.

My last day at the job I've had for four years was yesterday (though really, it felt like it was two weeks ago before I went on leave, but anyway...), and it still feels really bittersweet. I made a lot of friends, learned a tonne, and really matured in that job. I wanted to stay there for as long as I could because I saw the potential for growth, I believed in the product, and I loved the people I worked with.

I interviewed for a promotion that I was eminently qualified for but that I ultimately didn't get, which I could have stomached, but I have friends on the management team and found out certain things about the interview process. One specific person on the interview panel was a "no" for me, and then could not give any "tangible feedback" about why he held that opinion. That person doesn't know me, isn't at all involved in my work, and the only thing they do know about me is that I'm gay, which leads me to believe they're homophobic.

That person's meddling then lead to the impromptu second round of interviews, where I didn't interview as strongly as the other candidate in what is effectively a popularity contest; I wasn't surprised that was the result. It isn't that the competitor was unqualified, they're doing a fantastic job, but they'd only been with the company for a year, while I'd been there for four. I needed the career opportunity, they didn't. I wasn't annoyed with them because of course they should apply, who cares what anyone else is doing, I was only annoyed with the leaders who chose them over me.

So, they break the news to me that I didn't get the job, but they said in the same breath, "but we'll expect you to keep onboarding new hires and helping the team" -- oh, the things a team leader would do? All I was told at the time, and all I've ever been told, is that the person who got the position "interviewed slightly more strongly than I did" and that I was "such a strong candidate". I was never given actual feedback, and I don't believe there even really is any feedback. They made a choice and had nothing to back it up with, which is bullshit.

I felt slighted, betrayed, like it wasn't at all fair, and so I began looking for other opportunities. One fell into my lap right as I began looking, and it turned out to be a really great one. High salary, still in tech, title bump, small start-up. I interviewed and I got the job. I broke the news to my manager that I was resigning, and it was then revealed to me that the person who got the promotion I wanted needed to step down, and the position was then offered to me. What the fuck?

The money they offered was good but didn't match or beat my new offer by a measly $10k, so I felt like it was just an empty offer. If they wanted to keep me, really wanted me to stay, they'd have given me that extra money, but I honestly don't know that I would have taken it. After everything was handled so poorly, along with a myriad of other changes made very quickly, I just felt like it was time to move on.

It turns out that this person was only using the position as a contingency in the event that they weren't invited to be part of a PhD program, which they were invited to, and thus needed to step down. At this point, I'm slightly annoyed. The one career growth opportunity in four years I've wanted, the one I've seen others get in the US but that was never available to me, the one that allows me to continue to grow at the company I worked at... was a contingency to this person?

They apologised to me, saying "I wish I could go back and not apply". I don't think they expected that I would resign so quickly (and neither did I), but doesn't that show some level of... cognisance that they knew they were doing something shitty? It ultimately doesn't matter, but it makes me so incredibly angry to think about it. They're a good person, and I can't really blame someone for looking after themselves, but also... fuck 'em.

I'm trying not to stew on it, I absolutely let these kinds of things fester in me, so I wanted to write all of this out. But, I suppose I learned a lesson. I won't stay at a job that doesn't give me growth for as long as I did ever again.

[abcoconut]

This is such elementary economics that you’d think it wouldn’t need to be said. But look at the Washington Post report on how states are responding to the “shortages.” They notice that they aren’t getting many applicants, and what do they do? They reduce the job requirements! Instead of saying “We don’t have enough teachers, clearly we’re not paying the market rate,” they say “We don’t have enough teachers, clearly there are just too few qualified people, therefore we should eliminate the literacy requirement so that anyone can be a teacher.” You can see what this leads to: teachers remain low-paid and overworked, except now they’re illiterate and the schools get worse.

ALWAYS be wary of schools that are suddenly hiring for multiple positions that were filled the year before. 1/3 of the staff is new? Guess why they others left? You are guaranteed to be offered insultingly low salaries, and then on top of that, be overworked and under appreciated. 

When my mother joined a private school as the new head, each year, waaay too many teachers left because of low pay scales set by the board. It was an absolute headache trying to find new teachers because the school board had set the salaries so damn low. She finally just told them that their school was a mess because of these salaries, and that in order to attract and keep new talent (and to keep tuition paying families happy), they had to raise salaries to at LEAST match the public schools, and ideally, be just slightly higher. She succeeded in her argument, the entire staff got a 10K pay raise, the folks who were newly hired were better qualified, and turnover virtually disappeared.

At my first school (public), my entire English department privately asked me to become the new department chair. But since the school was only offering an extra $500/year for the position, I never accepted. It’s an insulting compensation for the work involved. 

The last school I taught at just lost their best lead teacher because she was horribly overworked (never had a single day she was able to only teach in her classroom.. always had to assist in others; had co-teacher who literally fell asleep and didn’t know how to teach the lessons or where the materials were.. he’s been rehired (??)) and woefully underpaid by almost $15K. Parents were in LOVE with this teacher, and now she’s leaving and it’s incredibly likely scores of parents will leave as well. The school claims they’re having a hard time finding a new teacher. 

Now, at my current school, I’m practically fighting with my admin to recognize that their low salaries are going to cost them an entire program if they don’t bump their compensation. If they don’t raise salaries in two years, it’s practically a guarantee that the two teachers (and only two teachers they have), will walk and the program will dissolve because the qualifications needed to be a teacher in this program require multiple additional certifications that are extremely rare in this area.

[thesporkidentity]

SHE GOT THE JOB!

SHE GOT THE JOB AND A 10K SALARY INCREASE

Like cost of living is higher but not THAT much higher so that’s an amazing bump.

I’m so glad she’s going to get out of that abusive toxic environment. This morning, not even a month left of classes, he fired one of the other teachers, one of her closest friends there, who he’d obviously suspected of being one of the whistle blowers. Like. Short of absolutely heinous offenses there’s not really an excuse to fire someone so very late in the year except as a revenge and intimidation tactic against anyone else who might speak up against him.

BUT my friend is finally free with a good job with a good school (and she knows some of the other teachers there so she knows she’s not walking blindly into another disaster area) in a new city where she can get a fresh start.

And she’s now about half the distance from me so visits on regular weekends is actually a possibility now because we don’t need an entire day alotted to travel.

I’m just. I so happy for her that job and those people were slowly killing her and now she can get out and everything about the situation is better like, there’s literally no downside except she has to leave her kids which was going to happen anyway because she couldn’t do another year at that place regardless.

So my cousin, his fiancee, and my friend all got their jobs I’m just so happy things are working out for the people in my life. Like. They all definitely DESERVED those jobs but that’s not always a guarantee in hiring and especially not in this economy. So YAY

[lovinglunaxxtothemoonandback]

Speed bump

It wouldn’t be life without one right? Honestly, if something just completely worked out for me, I would keel over and die!

It has been my dream to be a teacher since I was in elementary school myself. I graduated in 2012 and getting a job proved to be as difficult as everyone said it would be. Fast forward to 2016, having spent years in daycares and 1000 applications later, I got a taste of my dream taking over for a maternity leave in second grade. It was amazing but just a taste of my dream that fueled my fire.

 I should have known something was coming with how easily I fell into my dream job. 

Our lender needed an offer letter since contracts aren’t issued until may. I requested one from the principal and she happily obliged. And quoted my salary at 10k less than I was expecting. Here’s the thing about teaching. Salary is rarely discussed at the time of interview because it’s public knowledge. When I did my research on this district it showed a salary only about 10k less than nj salaries. Not to shabby considering the lower cost of living. But then this letter. So I did more research. Turns out the pay scale I was looking at was the same name district but in Virginia. Ugh. I’m not ashamed to say that I melted the eff down. I cried. I yelled. I threw things. (Out of site of my child..the yelling and throwing anyway). I thought it was over, my dream was crushed and done. Then my husband came to the rescue. He dove into research on cost of benefits and rent on houses and decided we could still swing it. He’s incredible and I’m so grateful for him. So long story short, our dream is changed. We’re still moving but we’re not buying right away. It hurts, but the cool thing is we can get a beautiful 1800sq ft house for what we pay in rent for our 1200 sq ft apartment We’re going to be okay. I’m very lucky.

[myturtlespeedy]

What kills me is that there’s a bunch of people in this office who could probably get a $10k per year bump in their current salary, with this certification.

Just wrapped up the first of eight for an online training class for Power BI from Microsoft.

It’s a bit dry but a useful program to learn. And expensive.

One of the executives also on the course came out at the halfway point laughing hysterically about how they had no idea what was going on. And that they weren’t keeping up. That if they needed to ever use this that they would just submit the stuff for IT to do.

They went on to explain that they got through college doing that. Teaming up with the quiet person in the class and letting them do most of the work.

This is also the person who would regularly brag about not knowing how to do their job and just googling most of it.

This person makes over $120,000/year, and got a job that didn’t exist before they landed it.

It helps to know people.

[azanycollectormilkshakeworl-blog]

Car insurance help buying car but insurance is costing way too much...?

"Car insurance help buying car but insurance is costing way too much...?

My mom has a 2002 explorer and she is going to cosign for me on either a g35 or a 350z, insurance is ridiculous on both cars(Z and G35, both the explorer and my car will be on the same policy, I got a quote for both cars being about 300 a month, is there any way to lower the cost of insurance, like switching primary cars around and I will be insured, I am currently on the policy but with adding my car insurance will go up right? Because it is a sports car...the total I am spending on the car is 10k, I live in California btw, I am just curious how this all goes into effect and how much it will raise my insurance cost

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

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I just got my brand new 150cc Moped where can get started with Motorcycle Insurance and what information do I need. Another questionI want be riding my moped almost everyday and I know you have to pay to keep up your insurance will this effect your licenses if your not paying for insurance Thanks.

Car Insurance?

anybody know what the Uk cheapest car insurance for somebody with 15 years no claims discount car engine size 2.8cc?

What is a collector car insurance?

please tell me everything you know about collector car insurance. i really need to know. thanks.

I pay more for auto insurance than medical insurance?

And no, im not a bad driver. Will Obama have some sort of auto insurance reform next to help us out? Look at how many Americans dont have car insurance but drive anyways.""

Anyone know of affordable dental insurance for western Ky? ?

i need to have dental work done, but no insurance.""

Car insurance for young drivers? uk?

how can i ( a 17 year old) get car insurance before im 25 without the stupid prices and without getting a car that says it has the cheapest insurance when its 4 grand. i bought a 106 but the insurance is 6 grand. please help. best answer gets 5 points. please list where i can get cheap insurance, what car is the best and cheapest for insurance, how i can cut the cost. in total i will pay up to 1900 in insurance and about 800 on a car.""

Way to get auto insurance for $100 a month?

I haven't had (needed) auto insurance in five years. I just got a quote from a few places, and can't believe the cost!! I have an unblemished record.""

What is the cheapest Insurance available for a 21 year old?

I've been looking at cars and quotes for about a month now, and I can find nothing affordable, so I thought I'd ask on this website and see if there is anyone who has had the same situation and found a solution. I'm 20 years old, turning 21 in September and I have not drove since I passed my test 2 years ago. I have never owned a car or been a second driver on anyone's policy. Insurance is ridiculously high, so I was wondering if anyone in the same situation knows a cheap insurance company. I'm also okay with being a second driver on my parents policy, although this is still usually to expensive. Thanks!""

Can car insurance companies check if you drive another car ?

if you get a car insurance quote and you say you have access to another car in your information is there any way they can check ? I have just renewed my car insurance and noticed that it was cheaper when i said i had regular use of another car. The thing is i do have use of my brothers car but im not an actual name driver on the insurance. My brothers car is fully comprehensive and thinks that anyone can drive the vehicle. Is this true ? i dont get how my insurance company are going to catch me out if im driving my brothers car without any mention of my name on his insurance

How much will insurance cost for a 17 year old in london riding a 125 motorbike ? (around)?

How much will insurance cost for a 17 year old in london riding a 125 motorbike ? (around)?

How many Americans go across borders for affordable healthcare?

How many Americans go across borders for affordable healthcare?

UK car insurance cost for 17 year old female?

I have just past my test and don't have a car yet. Am wanting to get a small car, 1.2 engine. Could anyone give me rough price guide as to how much the insurance will cost me each year. Thanks x""

Insurance for 16-20 year old Male?

Hello all, I am currently 16, and i have my drivers license. I am on my parents plan and i pay about $100 a month for full coverage with my parents cars. But here is my real question, I have been saving for a while (5 years) and i have enough to buy a car i have dreamed of buying for a long time. So i am going to, but my question is what would my insurence be if i did? the car is a 2002 BMW M3 SMG. It has 76,200 Miles on it. I am paying $20,000 for it. I am going to buy it weather the insurance is $1,000 or $100. I have a job and can pay for $1,000 if needed.. so if anyone knows a estimate of what it would be, let me know. If it helps, i have had my drivers license for a month. Also after i buy it, i may just not drive it, if it is too much $$$.. so if it would go down for me when im say 17-20 let me know how much =] Here are some pictures of the car: http://picasaweb.google.com/evanesterman/2002BMWM3SMG# Thanks""

Can insurance companies automatically add new drivers to an existing policy?

I had my g1 (permit) and got my g2 (license). I called the insurance company to get a quote of how much more it is going to cost my dad (which is what I'm going to have to pay) and they are telling me that I have to notify them that my license is now a g2 class. They can't quote me until he calls them (he's at work) when my dad calls to confirm then they will change it automatically and add me. But I don't have a choice if I want to add or not (If I don't like the rate) can they forcibly add me to a policy even if I don't agree with the rate? kinda tricky to explain but I hope you understand what I'm saying and if not then I will add additional details as necessary.

I am wondering if anyone knows what insurance would cost on a Mustang V6 for a 16 year-old female in Tennessee?

If anyone has a idea of the price range I would appreciate some input. Please don't say alot . I have had no tickets and I have not been involved in any wrecks. Thank you!

Car insurance help buying car but insurance is costing way too much...?

My mom has a 2002 explorer and she is going to cosign for me on either a g35 or a 350z, insurance is ridiculous on both cars(Z and G35, both the explorer and my car will be on the same policy, I got a quote for both cars being about 300 a month, is there any way to lower the cost of insurance, like switching primary cars around and I will be insured, I am currently on the policy but with adding my car insurance will go up right? Because it is a sports car...the total I am spending on the car is 10k, I live in California btw, I am just curious how this all goes into effect and how much it will raise my insurance cost

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

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

UK Only. How much for an category D insurance write off car?

I have a 2004 Ford Fiesta that I need to sell. When I bought it I was told it was a category D write off shortly after it was first bought, it was repaired and passed every subsequent MOT and has regular services. Roughly how much money off a guide price would you take off when selling it??""

Who is the most cheapest auto insurance out there?

I need auto insurance but im 18 and I only have a permit not a license yet. I drive a 1990 Honda civic hatchback ef. And i only want liability just to drive. So who is the cheapest one out there let me know thanks :D??

Young drivers car insurance!!?

I am 17 at the moment but planning on getting the insurance when i turned 18 at the end of this month to make it that bit cheaper, I already own a Renault Clio (1.2L, 16v, 02 plate). The cheapest quote ive got is 4,000 (300 a month) and that's with co-ops new fit smartbox for young drivers, and i also have my dad as an additional driver and my mum on it with her provisional licence and I really just cant afford that price, any ideas on what i could possibly do?""

Auto Insurance Quote question?

What does the 250/500/100 liability coverage on the premium policy mean? Here's the auto insurance quote: 1999 Honda Accord LX [ assume a 20 year old male with Good Student Discount and Accident - Free for 3 years] Quote: Premium with Comprehensive and Collision ($500 deductible) With Multicar and Multiline Discount 1999 HONDA ACCORD TERR:003 ,AFD3YR, VSD2 RG:04 CL:5B GS - PREM BIPD 250/500/100 = $284.74 WITH P1 PIP P4 = $4.00 COMP $500 DED = $52.79 COLL $500 DED = $162.39 ERS = $2.60 R1 80%/500 = $11.60 U 250/500 =$19.40 S 1 AT 5000 =$1.20 NEW PREMIUM =$538.72 ----------------------------------------------------- If you can't read the above, then what's 250/500/100 liability coverage on a premium policy mean?""

Health insurance for pregnant women?

Does anyone know a good (and inexpensive) insurance provider for pregnant women?

Will taking a defensive driving class lower my insurance and take points off my driving record?

Ive been in two car accidents one in Nov.2007 and the other Feb. 2008 and i was wondering if taking a defensive driving course would take points off my driving record and lower my insurance.

Free car insurance offers?

Does anybody know of any car companies that are currently offering one years free car insurance when you buy a new car in the UK?

Insurance questions?

I have a 99' silverado LS 5.3 liter truck. It was hit in the parking lot by some fool at work and now all the body panels on the passenger side are dented. I took it to a dealer to get an estimate (since the guy has insurance) they quoted it at 7500 dollars worth of damage. I know that the truck doesn't actually book for much more than that. The truck still drives fine just that it is beat up on one side and the door won't open. I still owe about 3k on the truck. I have yet to get an adjuster to come look at it from state farm. Do you think the truck will be totalled? What are my options and how much will they sell the truck back for if it is a total? If it is a total what value will they go off of and how much should I expect for my truck which was in fair condition? Will the adjuster make a check out to me or will he send it to my bank or both? Any help with this from someone that has had a vehicle totalled by someone else would be greatly appreicated..I really don't know.

Difference between a deductible and co-insurance?

I am shopping for individual health insurance and I do not understand the difference between these terms. Also, if a plan has a $1000 deductible does that apply to the entire 12 month term of the plan or every single time I receive health care services? And what about co-insurance?""

My car insurance is 5000 dollars?

I'm a 17 male and just got my license here in texas. I forgot which insurance company it is, but my yearly insurance fee is 5000 dollars, and thats a around 400 a month. I dont have my own vehicle and I'm sharing cars with my family. Is this normal to have that of an expensive plan?? Or should we shop around more for better prices?""

Whats the different between Car Insurance and Breakdown Cover?

Thought It should be normally include in the Car Insurance.

How much does insurance cost for a teenager?

I'm seventeen years old and I'm going to have to pay for it on my own, and I'm just curious what I might be paying? I live in California and I'll be driving a 99 jeep Cherokee.""

Young driver trying to get insurance. Need help.?

I have been looking for a reasonable quote for at least a month now and cannot get anything better then 4000. I am 17 and passed my test in august. The reason insurance is so high for me is because of where I live. I know this because insurance company's have said that they cannot insure me because of where I live and if I change my address when trying to get a quote if I use my Nan's address instead of mine it goes from 400- to 1600. Is it illegal to have my insurance under my Nan's house? Is there anything I can do please help.

How much is driving insurance a month for a 17 year old new driver?

I just got my license today, im 17 and hae a 2.8 gpa, and am wondering roughly how much my insurance can be? any recommendations? cheapest insurance? I think i can get USAA if that helps? My grandpa is a vet.""

Will my grandfathers insurance go up if I was using the car?

My grandfather let me use his car for work one day (I have no car of my own) and I got a ticket. I went to court today for it, the gave me one point on my license. Will this effect his insurance even though its not my car and I am not on the policy? Or will it only effect my insurance when I get a car of my own?""

Premium cost of insurance

If an insurance company has a payout of 17 millions, admin expense at 5 million, and profit of 2 million, with 26,000 insured. How much premium would they charge to each client.""

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

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

Autoplan insurance in Vancouver?

Hi everyone, i am new to British Columbia and i will be living in canada for a very long time. I wanna ask you guys a question that suppose i have a driving license here ( N ) and i own a car under 20,000 dollars ( not included tax ). Then, how much do you think i have to pay for just the basic car insurance and the tax ? Thank you very much Best wishes to you guys and your family""

Military Motorcycle insurance for an 18 year old?

Im 17 now and want to get a yamaha v star just to cruise around on but i dont kno how much the insurance will be, knowing that insurance for a teenager is horrible. I am going to basic training this novemeber so ill mostlikely do all of this after i finish so i have more money. Ill be 18 by then and just was wondering how much the insurance will be? Also if there are any military discounts for this? Thanks for your help""

What are the different types of life insurance? What are the pros and cons of both?

Which life insurance companies do you recommend? How young is too young for your child? He's 1... I'd like to leave my family with the security and without the stress of money when I die, but I don't know where to start. Thank you in advance!""

Pulled over for no insurance but do have insurance?

today i got pulled over and couldn't find my insurance. i finally did find my insurance but the cop didn't want to write a new ticket. he said that i could take a copy of the insurance to the clerk at the police station and they would void the ticket. is this all correct?? also does this no anything to my insurance or points on my license. i live in missouri.

Something in lieu of insurance?

I have been working part-time for a company and about to become full-time. One of the concerns that was raised is that insurance will be expensive. He pays 100% of everyone's insurance for their families. I suggested that we can revisit the insurance in a year and do something else in lieu of the insurance. Less costly. He also pays for parking for the employees. I'm not sure of what to ask for though. I was thinking a gas allowance but I wanted to have a few ideas to present in case he shoots one or more down.

What amount is considered low deductible for health insurance? what is a high amount?

what amount is considered a low amount for health insurance? what is considered a high amount?

Car Insurance Company have had my car for OVER A YEAR.?

Ok, so this is a little complicated... Oct 2008 I had a car accident. My car was written off. My car was towed to a garage and was held there while the insurance company evaluated the damage. THAT WAS THE LAST TIME I SAW MY CAR. Because the size of my excess (800) and the amount of damage matched the value of the car (800) I was advised it would be pointless to claim on the insurance and it was written off. The accident was my fault and I held my hands up and admitted it and the other party walked away with everything sorted. No suggestion of fraud and certainly nothing fraudulent on my part. Towards the end of 2008 my insurance company started falling off the radar, not returning my calls or my emails, letters etc. I repeatedly asked what I was supposed to do next (I'd never had an accident before and the whole process confused me because they kept giving me conflicting info) and where my car was. I was ignored (or given incorrect info). In the end I declared a SORN on the car and had so much going on in my personal life, I forgot about it, knowing the car was off the road. Anyway, I'm now trying to track the car down as the SORN is about to run out. Insurance company are still off the radar and refusing to answer. Now they're saying they have no record of me, my policy OR my car. So I've lost my car, I don't know who's got it and yet I'm still liable for it. What can I do? Can I get the police involved? Trading standards? ANYTHING? I don't care about the car, whoever has it can keep it! I just don't want to be liable for it! By the way, the insurance company involved is SwiftCover.com, in case anyone is thinking of going with them because they're cheap. They're cheap because they're RUBBISH.""

Car insurance help buying car but insurance is costing way too much...?

My mom has a 2002 explorer and she is going to cosign for me on either a g35 or a 350z, insurance is ridiculous on both cars(Z and G35, both the explorer and my car will be on the same policy, I got a quote for both cars being about 300 a month, is there any way to lower the cost of insurance, like switching primary cars around and I will be insured, I am currently on the policy but with adding my car insurance will go up right? Because it is a sports car...the total I am spending on the car is 10k, I live in California btw, I am just curious how this all goes into effect and how much it will raise my insurance cost

""My car's engine died, therefore I never renewed my car insurance. How can I get my DL reinstated?""

In the meantime, I moved. Even though I provided the agencies with my new address & my email address, I was never properly notified from the insurance company or the DMV office. Now, I discovered my driver's license has been suspended for lack of car insurance. If my car was operable, I would have renewed my insurance. I've always had car insurance, just thought it would be no big deal not renewing it. Also, I have a bill from my auto mechanic stating my car has engine damage and needs a new engine. Is there any way to correct this without paying the reinstatement fee to the DMV? Thanks for any advice!""

Is there a Health care or insurance convention in Las vegas right now?

The week I'm looking for is February 27th 2012 till March 2nd 2012. I looked online but couldn't find anything. I'm looking for conventions or conferences somewhere in Las Vegas regarding health care or insurance in a wider context. Thank you.

How much is anual car insurance aprox.?

car type walksvagen polo for young drivers around 25 who has not passed the test yet

Car insurance ?????/?

Well.I have permanent general car insurance they used to charge me 60 dollers it when up to 80 a month. Idk I found a cheaper insurance what should I tell permanent general

Car insurance for you drivers?

i am a 18 year old male and looking for car insurance on something like a micra, punto, clio or something small like that but the cheapest i can find is 3000 with tesco and thats as a named driver on my dads insurnace. Is there anywere cheaper that anyone knows of ? how much do other people pay? also it is a full uk licence i have and i have had it less than a year""

It is good to Invest in LIfe Insurance than a Bank?

Life Insurance cover -Accident insurance -Death Insurance -Hospital Insurance -and they say you can retrieve the money that you've deposit if you don't like to continue with a good interest. anyway the life insurance that i talk to is sunlife flexilink, they say it is good to invest unlike in a bank please give me an advice, thanks""

Why the heck do I have to legally own car insurance? It is unconstitutional!! I should have the right not to..?

buy car insurance if I don't want to. That should be repealed.

About how much would my USAA auto insurance cost?

I am 16 and I will be getting my license... I passed drivers ed and get good grades I wanted to get a quote but the USAA website wanted me to give info such as social security and etc, and I do not feel comfortable giving that info. Can anyone tell me a rough estimate of what my auto insurance might cost per month? how much extra will my parents pay a month and how much my car insurance would be? just a rough estimate""

Health insurance for your car?

I own an auto repair shop, and I had an idea that I would like you all to help me with. What if there was a program where you paid a monthly premium like health insurance. Then, When you needed an oil change, fluid flush, light bulb, new alternator, new tires new brakes, new engine, or needed to fix an oil leak, you wouldn't have to pay anything you would just go in to get it fixed. What do you think would be a good rate for that monthly premium in everyone opinion? The rate would depend on whether you owned a car or truck, and wether or not it was 4wd. What do you all think?""

How much will my car insurance cosT?

We have Allstate. 2 cars, and my mom and dad are both covered on both cars. If I were to get my license in a week, when I am 16 how much will that increase there bill too? I only want to get insured for one car, and its an older classic car. Also I have taken an online drivers ed course.""

Get a insurance quote on 2010 honda civic?

i just want to find out how much do you guys think the insurance would be for a person with the following: 1) NYC license of less than 2 years, age early 20s 2) full insurance coverage since it's new 3) registered somewhere in southern part of Staten Island 4) the car ran 2-3 red lights within the past 1 1/2 year, got camera ticketed the car is covered by AllState, i just want to find out how much is the car's insurance now, i am not the car owner, would it possibly be at 4-5k/year, since the car was ticketed a few times, thanks""

Need insurance quote for 73 Mustang Mach 1?

I would just like to get an idea from a person who knows a lot about insurance at what I would be looking to pay. It's the long weekend here in Canada and no insurance companies are open, and I cannot get a quote online because of the year of the vehicle. What I am looking to buy is a 73 Mustang Mach 1. I am 21 years old. The car value is 15,000 It will be driven less then 1000KM a year No substantial modifications. I haven't had any speeding (or otherwise) tickets I will be the primary driver. Vehicle is in good shape Um any other details I am missing? let me know.""

If I had this non fault accident would my car insurance still gone up?

Okay a week ago I was about to have an accident I passed a railroad track when no train was comming and the bars were up as well so I passed the railroad and I made a turn so this had a stop sign at a corner and didn't make a complete stop so I was passing since I didn't have a stop sign or yield sign and this guy just stepped on the gas and went into the wrong way and then he tried to jump into the way that I was going and I was about to hit him because there wasn't enough space for him to change lanes safely. And so I remember that the day that my dad went to get insurance for his car they told him that they had a record of the accident that he had back in 1991 which wasn't his fault.

What is the most popular and cost effective family medical insurance in California?

We are a family of 3 (me 45 my spouse 44 and my daughter 10) and we are moving to live with green cards in Los angeles, January 2011. We are trying to get an idea of what is the most popular Medical insurance is in Los Angeles and how much we would expecting to pay for this Medical insurance?""

If your car gets stolen will insurance pay entire loan off?

if your car gets stolen will the insurance company pay the bank the entire balance of your loan off?

How much would the insurance be on a 1969 Camaro Z28 or a 1969 Dodge Charger?

I'm looking at buying a 1969 Camaro Z28 or a 1969 Dodge Charger. Would there be a difference in the insurance? I'm 17 but by the time I find my car I'll probably be around 18 or even 19 considering that the car may need some work. I live in Ontario and I want full coverage.

How much would insurance cost for a 22 year old to be insured with his mother?

My mum has been driving for 24 years . The car I want to be a secondary driver is the Honda Jazz 2004 which is 1.3 Litre. How much is insurance looking to cost around?

Car totaled Auto insurance wont pay full amount with salvage title?

This is crazy my car was hit head on, our airbags saved our lives, now the auto insurance of the other party wont pay full amount on 2006 vibe , because there is a salvage title on my car. My car has that title not from a accident because it was a stolen car that we bought at auction . The Insurance company put's the salvage title on anything. Now what are we going to do sue them, How do you fight this crazy salvage rule its not our problem its their rule . It was also the other persons fault and it ruin our vacation with body pains it was all messed up.""

First time driver...really need insurance help?

ok, so i am 17 and i just bought a car. i live in CA and i really need to find auto insurance for cheap. i know its really expensive for a first time driver to get insurance for themselves, so if anyone knows of an insurance company that does not charge that much i would greatly appreciate a response. thanx""

Cheapest company to insure young new drivers in England? and also cheapest cars?

This time its not for me, its for my boyfriend, he's 19 and really big and broad so he wouldnt fit in something like a saxo or 106 unfortunately :( Also first time driver looking for cheap old shitty car! Quinn used to be cheapest but now quote has gone up at least 1,000!! Probably would prefer to pay monthly and am looking for third party fire and theft. Hopefully would have legal cover I have been looking for ages but since i'm not 17 yet, me getting a car instead of him is out of the question although i know it would be cheaper Thanks! :)""

Vehicle damaged..have ? about insurance?

A tree fell on my vehicle during Hurricane Ike. My husband thinks there may be at least $10000 worth of damage to it. I looked it up on kelly blue book and its only worth approx 9000.00. I tried trading it in a few weeks ago and they only wanted to give me $5000, I'm glad I didn't take that one. I purchased the GAP insurance thru the dealership. Do you think Allstate will just total it and let the GAP insurance pay the balance of my loan. I'm really really upside down. It really looks cosmetic to me but there are things hanging underneath it and it is very hard to drive. I think it would be cheaper for the insurance company to total it and let GAP take the rest. How does that work?""

Who should I trust when it comes to auto insurance?

I am looking for Auto Insurance but want to deal a company I can trust.

""Thinking about starting a non medical senior care bussiness what would the start up cost be for insurance, ect?""

I reside in palm springs california wich is a huge retirement community and I have been thinking about starting a non medical senior care service helping with stuff like houshold tasks, errands ect..At first it would be just me employed and possibly my sister, do I need any kind of insurance? also any tips on advertising?""

Do you think its good to have insurance?

Car insurance cell phone insurance life insurance health insurance renters insurance homeowners insurance School supply insurance Title insurance Troll insurance No matter what the product its good to have insurance AM I RIGHT?

Am I required to put my parents down on my car insurance? I am concerned about liability.?

I am an adult over 40 yrs old, living with my parents. I have not been off my parents policy before. I live in New York State. Am I required to put my parents down on my car insurance, or would their car insurance cover it if they had an accident while driving my car?""

Car insurance help buying car but insurance is costing way too much...?

My mom has a 2002 explorer and she is going to cosign for me on either a g35 or a 350z, insurance is ridiculous on both cars(Z and G35, both the explorer and my car will be on the same policy, I got a quote for both cars being about 300 a month, is there any way to lower the cost of insurance, like switching primary cars around and I will be insured, I am currently on the policy but with adding my car insurance will go up right? Because it is a sports car...the total I am spending on the car is 10k, I live in California btw, I am just curious how this all goes into effect and how much it will raise my insurance cost

https://www.linkedin.com/pulse/whats-cheapest-car-insurance-teenage-girl-get-carlene-ostara"

[suburbantaste-blog]

Where I Come From: Part I

To understand where I am, you have to understand where I’ve come from.  This post is all about my favorite thing: me.

I grew up in a suburb. Hence, my suburban taste.  Growing up my mom worked and my dad was retired. I cannot say that he “stayed home with us” because he actually did the opposite.  He sent my brother and I to daycare at a nearby church (Baptist!) until we were school age.  My dad was 56 when I was born, and from the day I blessed the suburbs with my presence – he retired.  My parents made that choice together.  My mom still had many years of earning potential and she wanted to work.

Dad: My dad had worked since he was very young, supporting himself really as far back as he can remember. He did not come from much and was born during a time in our history – the Great Depression – when money, opportunity and wealth did not exist in his small hometown of Loogootee, Indiana.  Being born during that time was a blessing and a curse.  He struggled as a young man but had very solid, firm financial goals because he had seen the worst of the worst.  He lived through a time where the financial future was extremely uncertain and volatile. He made it a point to earn his own money and valued that money much higher than its true value – he saw it as his future financial freedom, a way to get out of Loogootee, Indiana.  As he worked and saved, he certainly made mistakes along the way – but he knew his end goal and he stuck with it, doing whatever he needed to.  He worked bad jobs, good jobs, hard jobs, long jobs and shady jobs – but he worked and he saved and he kept his eye on the end goal.  He did not buy flashy things even once he had enough, he just kept the end goal in mind.  So when 56 came around and this beautiful suburban baby came along, he was able to say, “Screw it,” to work and be home to have the flexibility he wanted.  

Mom: My mom worked since she was young as well, but not necessarily to support herself, more so to help out with her expenses, save for college, a car, etc.  Mom came from a middle class working family where she did not want or need for anything but certainly was not handed a wad of cash whenever she wanted either.  She had a similar mindset as my dad in that she knew when she worked that she was saving for something bigger – not just the  latest, greatest, flashiest – but for college.  She went to college, graduated and immediately started working. By the time she met my Dad and they had kids, she still had lots of working years and potential for more money – she also wanted to work since she did find parts of it rewarding from both the career aspect but also a social aspect as well.  I’ve watched my mom move up the corporate ladder into a pretty hefty career role and salary – so I’d say her decision to continue working was spot on.  At the young age of XX, Mom is still receiving raises, bonuses and title bumps, so I’d say they/she made the right choice.  She’s close to retirement age now but has planned well enough that she will live comfortably once she decides to pull the trigger. 

I grew up also not needing or wanting for anything.  Did my parents buy me a brand new BMW when I turned 16?  No, but both my brother and I were given cars (with no car payment or insurance payment attached) so I still consider myself very lucky.  I always had new “cool” clothes growing up (Abercrombie anyone? - sick.) and we were sent to any and all summer camps, day camps, sport camps, retreats, field trips, summer classes, etc. that we wanted – no questions asked – so I’d say, we had it very good and my parents managed their money well.  I grew up being shielded from any money issues really – my parents never lost a home, or had medical bills or an accident at work that kept them from working, there was no losing of jobs either.  I do know that at one point mom was laid off from a bank who was being bought out by another, but we never heard much about it, our parents did not have to worry because they had savings, and within no time at all, my mom had a new (better!) job than before, so it was almost a non-event.  For all of these reasons, and many many many more, I am a fortunate girl.  I worked a few jobs through high school (grocery store, babysitting, summer tennis camp) but really that money was mine to spend however I wanted (clothes and makeup). For these same reasons, I did not get a swift kick in the you know what, until I graduated college and was sent “off on my own.”

I graduated college in 2008 with two options, get a job or go to law school.  I had thought of going to law school seriously for two years and had somewhat of a plan of what I would do with a law degree but by no means had I thought through the finances of being a student for an additional 3 years. I was extremely and awfully fortunate to have two parents who planned since the time I was little for myself and my brother to attend college.  Not only did they plan by constantly instilling in us that college was part of our path, but they made sure that path was as easy as possible for us by providing fully funded 4 year educations.  I went to a private school in North Carolina for 4 years which by no means was the price of Northwestern, but was easily $30K-$35K a year including tuition and living expenses (if not more, the way they allowed me to live.) My brother went to a large public school in North Carolina, but again, the way my parents allowed him to live, easily cost $10K-$15K a year.  We both received incredibly respectful college educations, graduated in four years with no debt.  While I was preparing to go to law school and had seemingly, no worries, I had other friends working with lenders on a student loan repayment plan with money they didn’t even make yet.  This “debt free” life was not something I understood at the time, while I was in college or when I first graduated, but it is something I have come to understand very, very well.  Isn’t that how it always goes – by the time you appreciate something, the time has come and gone?  I know I’ve thanked my parents before for my education and for their diligent planning, but probably not to the extent I should have.  I like to think the way I can repay and “thank” them is by continuing to be a valuable citizen, taking advantage of any and every opportunity that comes my way and by passing the gift of education along by donating to my alma mater and planning for my children’s future.  I like to think that my life, now, is a proverbial “thank you” and I have used every ounce of what they gave me to my advantage and benefit.

*NOTE: I agree and understand college is not the only path to take after high school.  I acknowledge there are many paths that may be more economical and end up with the same respectful degree.  My path right out of high school was to go to college, my parents paid my full way there, I graduated in 4 years and use my degree daily.  I give back to my college quarterly and love where I went to school.  I won’t apologize for that.  I will acknowledge and agree there are MANY paths you can take to be successful. 

The moral of the story is: I had parents who from day one saw value in saving money and planning for the future.

This has really shaped me in the last few years as Mister and I plan our future and plan for a family. As we’ve thought through our own childhoods, our college experience, where we believe the education system is headed, we are fairly confident we want our child(ren) to have the same options we did and have the ability to go to college wherever they choose.

Mister grew up in England, in a mid-size seaside town.  His childhood was spent in a middle class family as well where he wanted for nothing but certainly was not flashing new cars or the latest and greatest.  He was taken on lots of travels and always had a plentiful Christmas.  His parents owned their own business for a number of years, giving him a glimpse into what a true work ethic should look like.  His college years were half covered by the government and the other half he paid himself.  He chose a college close to home to save money and worked throughout to put himself through college and for spending money.  Mister does not begrudge or wish for a different path, he liked his college and is glad he stayed nearby but it did make it even more concrete in his mind that he did not want his child to have to stay near home if they did not want to when the time came to choose a college.

When I graduated college, my parents helped me get my first apartment, a small one bedroom for $655 a month, 4 miles from the law school.  I had decided to go to law school and at the time my parents were a bit up in the air on whether they would help pay for law school or whether I would go it alone. For the first semester, it was a bit half and half.  By second semester, my mom laid it out.  I was on my own.  She felt depleting their savings or retirement carried a much larger consequence to everyone’s future than me incurring student loan debt.  She was absolutely right and I think her number one goal at that age and time should have been socking money away for retirement.  She would still pay for my health insurance but at 22, it was time for me to spread my wings.  She helped me apply for financial aid and get set up with a student loan.  While I do not resent or hold a grudge with her for doing so, the fact is from that day forward, I was on my own – suddenly making adult financial decisions without much education or support.  It was probably the smartest thing they could of done – rip off that bandaid.  To be fair, of course when we went out to dinner or if we stopped at the grocery to pick something up, she would pick up the tab, so there were certainly still fringe benefits coming my way but 95% of my expenses now fell on me.

The problem became the student loans.  Man, are they easy to get.  They don’t explain the terms very well or when they do, they’re not easily understood. Luckily all of mine were from the government and not private loans.  I attended a relatively inexpensive law school, a state school, so tuition and books were not as high as many of my counterparts.  But living expenses were another story.  I had always had the ability to go out to eat, buy clothes and go out with friends without batting an eye.  With student loans, you can still do those things because they will basically give you as much as you ask for.  Every semester, the first day of class, my new student loan I had requested would hit my bank account and I would “budget” out the next 6 months of living expenses.  I use the word budget particularly lightly.  By “budget” I mean, I would only budget out my rent, utilities, car insurance, and a few other necessities but pretended my food bill and fun bill were much lower than what they actually were.  By that 6th month, things were tight and I was foaming at the mouth for my next student loan check to hit my bank account unaware.  Much like gaining weight, it comes on easy, but is challenging to get off.

 It was around this time that Mister moved to America.  His income helped but with immigration and legal bills coming our way to get his visas and green card sorted out, we still relied on a student loan each month to make ends meet.  To his credit, he did everything he could to provide as much as he could on a limited work visa.  He worked bad hours with bad managers to help where he could (it was this fact and trait that would ultimately make me realize he was the type of life partner who would do anything when the going got tough  to get things done.)

 I made it through law school (it was a blur that I do not remember).  About 6 months before graduation, I started looking for a job. Wow. Wowwww.  I was in for a shock.  The job market was not at all kind to a 25 year old baby shark attorney without a law license.  The North Carolina attorney job market was over saturated – really the entire country was over saturated with other baby shark attorneys.  A bunch of Type A people, thinking they knew the law, biting each other for the chance at any job they could get their fins on.   It was around this time that Mister got a job offer in Texas at a new hotel opening, looking for new finance staff.  Mister and I took a trip to Texas and decided with the job potential on his end and the cost of living in Texas, it was a no brainer – we were moving to Texas.  I decided to suspend my job search until I was in Texas.  The day after graduation, I packed up my Ford Focus and drove to Dallas, Texas to meet my husband, who had already been there for 2 months and started a new life.  This was the best move we ever made.  Being away from everything we knew and being forced to really figure it all out on our own was a make or break it moment for our relationship  And we made it.

 We found a reasonable apartment to rent, Mister loved the change of scenery and being in a bigger city and I studied for the Texas bar alone in a SMU Law Library room for 3 months.  It was not fun or glamorous and I was miserable those first few months.  But I pulled up my boot straps, kept my head down, took the bar, and a week after the bar was hired on at a law firm as a true blue baby shark attorney.  I found out in November that I had passed the bar and received a hefty raise to make my shark status official.  We started looking at a new, nicer apartment, started making friends, started to create new memories and create new “favorite places.” We really found our groove and started to thrive as to young 20-somethings.

 We have now been in Dallas for 5 years.  We’ve steadily increased our income, decreased our debt and have matured in how we value each dollar we bring in.  In Part Two on my financial history, I’ll delve into what we’ve gotten ourselves in and gotten ourselves out of in the last 5 years.  

See you suburbanites soon!