#i do not know your situation so i cant advise you on anything aside from stay safe and rest assured youre not horrible

[petrichoraline]

petri I feel like I'm a horrible child and possibly am

honestly you'd be surprised how many people feel like this. sometimes we catch ourselves actually being unfair towards our parents, sometimes we're victims of unreasonable guilt. the overall situation, however, rarely is simple, you know? parent-child relationships are more often than not extremely layered and complex. with no details i can't tell you if what you're worrying about might be a valid reason for concern but honestly it's not my place to evaluate that anyways. i feel like you might be putting more pressure on yourself than deserved. the fact you're worrying about the possibility of being a bad kid to your family tells me you care about them which in of itself means you're not as horrible as you think. also your message makes me think you might have a tendency of overanalyzing your actions and getting into your own head. i think you're definitely not as horrible as you think and in case you feel safe (because, again, i do not know what this is about) i'd advise you to talk to your family about whatever the issue causing you to feel like this is. because, again, you are not horrible.

[theexleynatureblog]

Sorry, but letting your cat outside is a sign of a lazy owner.

Scientists estimate there is between 60million to 160million feral cats in the US. July, 2018.

“Bring in the dog and put out the cat!” - Yakety Yak. Letting our cats outside is almost a part of Western culture, since the days of Fred and Wilma. But we should all no by now that a cultural norm doesn’t make something automatically right.

At the end of every episode, Fred Flintstone let’s the family saber-toothed cat outside, only for the cat to jump back inside through the window and lock Fred out of the house.

Unfortunely, real-life cats aren’t as responsible. If you let your cat outside, and they are comfortable, they will take advantage of the opportunity. I know from experience living in a house with five outdoor-cats.

An article from Battersea.org gives instructions on how to safety introduce your cat to the outdoors, stating ‘your cat may want to explore.’

Well, of course they do! They’re a cat! It’s like telling a human they may want to walk. Here’s the thing: animals are high-wired to do what they want, not what they should. Because in the wild, the things they want is to find food and hunt, which helps them to survive. A captive cat doesn’t need to do that, but they’ll still have that interest in the outdoors and the high-energy associated with it.

The biggest arguments I hear for letting cats outside it ‘it’s their nature’, ‘they deserve freedom’, ‘they need the exercise/stimulation’. This is true. Cat’s are living animals who are designed to expend energy, just like us. Exercise is essential to a pet’s health, and as a pet owner, it’s your job to make sure they’re getting what they need. 

The problem is, if you’re doing this by letting your cat roam the neighborhood unsupervised, you’re doing it very wrong.

A cat wheel, recommended for owners of high-energy cats, like Bengals.

First, I’m before I list the many reasons to not let your cat outside, I’m going to list alternatives.

Number one - play

Did you buy a box of cat-toys for your new kitten? Did your new cat play with them a little bit and then loose interest playing by themselves? Purina recommends two 20minutes play sessions for your kitten every day. This time can change depending on your cat’s energy level. Obviously, a really active cat will need more, and an older cat may need less. You cant just dump a box of toys on the living room floor an expect your cat to keep itself busy all day like a toddler would, you have to engage with them!

Cat’s ‘play’ as an extension of their hunting instincts. They’re not doing it to pass the time, they’re doing it to learn and practice how to kill things. The key to productive play is thinking like prey. That long rope? Pretend it’s a snake. Grab that mouse toy and bounce it around in front of your cat like you think an actual mouse would move. Don’t poke or bonk your cats with they’re toys - its not encouraging their hunting instincts and may just make them annoyed and not want to play.

Aside from keeping them stimulated, playing with your cats every day can strengthen their bond to you. A happy and tired cat will have no interest in going outside. The amount of time you’d expect to play with/walk your dog is the same amount, maybe a little less, you should expect to spend on your cat. If you don’t have the time of day to take care of a dog, don’t get a cat.

Also, FYI, don’t use your hands as a toy, especially with kittens. A bad cat bite can put you in the hospital with a serious infection - even if your cat has lived indoors all it’s life. Using your hand to play instead of toys will teach kittens that your hand is in fact a toy. Good luck trying to pet them later.

Number Two - Cat furniture

Ever heard of puppy-proofing? Well, cat proofing is also a thing! If you want to take on the responsibility of owning a pet, be prepared to rearrange your entire house - and buy some new stuff. Cat’s are designed to climb and travel, so they may try to jump to to the tallest places in your house. Don’t want them up there? Consider getting a dog. Spray bottles and scolding may work, but unless you’re giving them an alternative to flex their muscles, it’ll only lead to behavioral problems down the road. 

Cat walks are a fun and safe way to let your cat have the run of the house. Not only will it be fun for them, but it’ll make them feel safer. If you cat feels trapped, it may hide a lot of the time. This is especially important if you bring another cat into the house. One cat acting scared may invite the other cat to attack. Cat-walks give your cat the advantage to ‘oversee their kingdom’, and escape a situation that makes them uncomfortable. 

But, I wouldn’t expect everyone to have this. If you rent your home, can’t afford this, or can’t build it yourself, it’s not an option. But you can be aware of how you arrange your furniture and shelves. If the cat’s gonna jump up on stuff, you might as well make sure it’s safe. 

The bare minimum cat furniture you need (besides a litter box) are scratching posts. Even a declawed cat will want one, because they’re not just shedding nails - they’re marking their territory.

Most predators have a way of marking territory to keep invaders away. Cats do too, with a host of special glands. One of those is called an interdigital (inter-digital) gland located - you guessed it - between their toes, or digits. In the wild, when cats scratch on trees, they are rubbing that scent gland on the bark, to warn other cats this is their territory. 

Your indoor cat probably won’t have to worry about invaders, but they will still want to use that gland. In their minds, your house is their territory that they must defend. This is why litter boxes are also important.

You may have seen pictures or videos of cats being trained to use and even flush toilets. It may be cute, but its actually not that great from a cat behavior standpoint. This article from The Dodo does a good job of explaining why NOT to potty-train your cat.

Don’t wanna deal with litter boxes? Get a dog! Because with cats, litter boxes are essential. Not only does it give your cat a place to do its business, but it allows them to exercise more of their natural behaviors. After all, ‘natural behaviors’ are the reason owners let their cats outside, right?

For every cat, there should be one litter box plus one extra. Two cats should have a total of 3 litter boxes, and so on. The boxes should be scooped once a day, with their litter changed about once a week - depending on specific needs. Sounds like a lot of work? Yeah - it is! Plus the smell of ammonia isn’t pleasant. If you don’t want to deal with this - Don’t. Get. A. Cat. 

Naturally, people look for short cuts, like training their cat to use the toilet, or letting them outside to do its business. Hey, it works for dogs, don’t it? Well - cats aren’t dogs. They have different behavior. While you can count on that fence keeping your dog in your yard, your cat is going to parkour over that like nothing. While dogs will go anywhere they feel comfortable, cats have an instinct to bury their feces. According to Live Science, this helps them hide from other predators. Cats can be eaten by anything bigger than them, and they know it. It’s a behavior that gives them security. Think about it like having a lock on the bathroom door - in a public place. Would you be brave enough to go without it? Personally, I’d hold it until I got home. Cats probably feel the same way, so they’re going to want to find substrate that’s easy to bury stuff in - fresh soil in a flower bed, or little Jimmy’s sandbox.

This is also why toilet-training is a bad idea. It’s not a natural behavior for cats, and it denies their instincts to bury their waste and mark their territory. Also, what happens when your cat gets elderly or injured, and they can’t jump onto the seat for a few days?

Your Cat can still enjoy the outdoors.

Did you know they make cat leashes? That’s right, you can allow your cat to transverse the yard and neighborhood in safety! The downside of this is cat’s don’t tend to be as excited about walks as dogs do. When I bought a harness and leash for my cat, they plopped on their side and refused to move. I never got to take him on a walk.

If your cat is similarly lazy, that doesn’t mean its impossible, it just means training will be required. With the right balance of motivation and knowledge, a pet can be trained to do anything physically possible. Yes, it’s consistent work and slow progress, but exactly the thing a good pet owner should be willing to do. If your cat is staring out the window and practically running out the door, then they might not even need training. With a lease, you can prevent your cat from killing small animals, keep them from climbing too high in a tree, and keep them out of the street and away from possibly dangerous animals.

On that note, now may be a good time to list the reasons why NOT to let your cat outside! (Warning, this next section may contain intense images of blood, violence, and dead animals. Reader discretion is advised).

Parasites.

Hold onto your stomachs, everyone! We are not taking the gentle road.

When I say parasites, I’m not just talking about fleas and ticks - very common and very overlooked. There are worse things out there. Toxoplasma, for one. This parasite that causes flu-like symptoms sheds from cat feces, and it can be much worse for pregnant mothers (this is why your doctor recommends not cleaning a litter-box while pregnant). To make matters worse, its one of the most common parasites in the world, spreading by - don’t throw up on me - fecal-oral contact, which is exactly what it sounds like. A cat can host the parasite without any symptoms and spread to humans, and that’s not the only one.

Outdoor cats are much more likely to get parasites and harmful bacterial. This is because they consume wild animals harboring parasites, and they can pick up stuff from the environment. A squirrel could defecate somewhere that a cat walks, and later licks themselves to clean. Boom! Infected. Now, your outdoor cat could spread stuff like toxoplasma to your neighbors! There’s your neighbor, working in their flower garden, unaware your cat used it for the bathroom (and buried it). Ope, now she’s whipping her nose with her unwashed hand! Boom! Infected.

Want to learn something really crazy? Cat parasites have made their way to aquatic mammals!

This National Geographic Article gives more information on how the ‘Kitty Litter’ parasite has made it to marine whales and dolphins. This is due to feral and stray cats defecating near waterways that eventually wash out to the ocean. While cats and some terrestrial mammals can host the parasites with out any major symptoms, marine mammals are very different. They are the incorrect hosts for these parasites, and anyone who’s studies parasites (like me) knows, parasites in the wrong host is a recipe for disaster. AKA, death. And like many other species, our marine mammals are going through enough troubles right now.

If you keep your cat inside and use a litter box, there is still a risk of infection, but you’ve significally lowered the potential spread. I say, anyone you takes the responsibility of cleaning a cat box is a hero. I mean that from the bottom of my heart. You are doing your cat and your neighborhood a huge favor. I sincerely thank you. So, when you’re scooping or changing litter, wear gloves, wear a mask, don’t touch your face, and wash your hands thoroughly afterword's. Also, take note of the condition of your cats dropping. Sometimes, to can clearly see worms, or something may just not look right. Remember - as an owner, it’s your responsibility to monitor your pets health. If you see something that doesn’t look right, you can take them to the vet. You can’t do this if you let your cat outside to do there business in the garden a few houses down.

High Death Rate

For feral cats, lifespan is typically two years. 50% of kittens don’t survive their first couple of days. Cats are killed by anything from car collisions, poison, coyotes, raccoons, raptor birds, and other cats. Male cats constantly fight each other for territory and access to females. 

This brings up an interesting question. If cat’s death rate is so high, how are there so many in every town? A couple reasons.

Cats have a lot of kittens - multiple litters within a year. Even if only 50% of those kittens survive, that’s a lot of cats that are ready to breed themselves not long after. 

Another reason is artificial healthcare. What this means is people will feed, spay/neuter, or rescue injured animals, and then release them. Because of their cuteness, cat’s have a charisma advantage over native predators in a neighborhood like coyotes and raccoons. No one’s going to trap a coyote with a broken leg to take it to the vet. I know that if I hit a cat with my car, and it was still alive, I would definitely rush it to emergency care. Supplemental feeding goes hand-in-hand with this. When people see a large cat colony outside, they may want to leave food out for them to help them out. Cats will eat the food, but it won’t end there. You may end up attracting more cats to an area, increasing the population. But if you were to suddenly stop feeding them, the extra cats are going to starve. You have only provided the animals with limited extra resources. Also, more cats in an area may lead to more fighting amongst them.

Because cats have a high death rate, the population’s method of survival is putting out high numbers. Feral and stray cats are constantly competing for food and running from dangers, and the ones who can put up with the suffering the most survive. This is the reality of nature. Nature is not a garden of Eden with fairies dancing with deer. This is the brutality you are exposing your pet cat to when you let them wonder alone outside. 

Cats Kill Stuff

Cats are one of the few animals that kill for fun. Its not that they’re sadistic - they’re instincts tell them to bat that thing that moves, and they’ll do it until the thing escapes or stops moving. People automatically think about birds and small mammals, but cats will also eat insects, amphibians, and reptiles.

Some people swear by this argument, and some people counter the argument by saying stuff like ‘yeah, but windows and windmills kill more birds!’. Really? That’s your argument? Can you imagine if we said that about serial killers? Oh, its not a big deal if Freddy killed a few woman, James over there has killed a lot more!

Like... okay, that’s not as bad, but... we should still do something about it.

Cats, windows, and windmills. Instead of looking at these as three separate problems that we can only solve one at a time, step back and look at the big picture. “Human-caused fatality.”  An article from the U.S. Fish and Wildlife Services talks about migratory bird fatality numbers and causes. You’ll see a handful of different causes, each with different solutions needed.

You can’t solve a problem by pointing your finger at someone and say “They’re doing it worse”. EVERYONE involved in the problem has to do their part and correct it. For example, window collisions with birds can be decreased by window stickers and ecologically-mindful building planning (not building tall things in high-traffic bird routes). 

These small, decorative stickers can help prevent bird-strike deaths.

Another angle to combat the problem is reducing industrial-caused mortality. Open oil pits are a hazard to migratory birds, who land in and ingest the oily water as they migrate. The Migratory Bird Treaty Act hold companies who do not cover their ponds accountable for ‘preventable fatalities’. However, the Trump Administration recently attempted to roll back regulations like these, in order to increase profit of oil and gas companies. Contacting politicians and being a thoughtful voter can prevent policies like these, and save birds and wildlife.

Of course, cat owners can put their foot forwards to help save wildlife life by keeping their pets inside or on a leash. People argue ‘cat’s are natural hunters. So what if they kill a few birds?’. Okay, well, first of all, if you look carefully at the stats, its clearly not just ‘a few birds’. Second, do you know what kinds of birds? No? I don’t either. In fact, we have no control what kind of bird/reptile/mammal your cat will kill. They kill whatever they can catch. This includes endangered species.

This website lists North America’s Endangered Animals. Notice that some of these animals are large mammals, like cougars. But most of the species are small animals that cats are capable of catching and killing. And cats don’t care if a species is endangered. Now, I’m confident that NONE of these species are threatened by cats alone. That’s not how nature works, it takes more than one factor to wipe out a species. Species like the Yellow-legged Mountain Frog are threatened by predation, disease, habitat fragmentation, and climate change (which can make diseases and parasite spread worse). A road through a wetland may not look like a big deal, but that may as well be a ocean for small amphibians and reptiles to cross.

Not only do these animals risk getting crushed by pedestrians and vehicles, but they have no cover from predators - and predators WILL exploit these places. Keep in mind, these animals can’t always just pack up and go - they need specific resources for food, shelter, and reproduction. Some turtles will nest in the gravel of a road because it provides the best substrate for digging a nest. This includes suburban areas - where your cats are waiting. When you add exotic animal predation pressure to a species already suffering from diseases and habitat loss, well - that’s how we lost the passenger pigeon.

In conclusion, please find ways to keep your cat healthy and happy without allowing them to roam unsupervised outside. There are programs that help remove feral colonies using live animal traps, but there are others, like places in Australia, that use lethal means. I don’t like the idea of killing cats. After all - they are adorable, and it’s not they’re fault they are there. That’s purely our fault for releasing out domestic cats into delicate ecosystems. As much as I love cats, I prioritize the health of our ecosystems and environment more, and that calls for removing large feral cat colonies. A few random barn cats of course is no problem, but the thousands of cats living in suburb yards needs to be reigned in. Whether it is done with live traps or kill traps is dependent on the people. One thing is for sure - if we don’t take responsibility for our exotic invasives, we will be paying for it for a long time in the future.

Sources

nola.com

American humane society

Caticles

US Fish and Wildlife Services

[paladin-andric]

Blackheart, Chapter 31: A Final Respite

It had been quite some time. Deep in the heart of the Citadel, things had changed considerably.

A while ago, the survivors had evacuated to the countryside. Before they did so, Basilrin was sent to bring word of the situation to the surrounding lands, in hopes of summoning the forces needed to push to the Blackheart.

The portal was said to be in the very center of the city. To get there, all they needed to do was take the main road. Only problem was the demons. Their corrupted thralls swarmed the main streets en-masse. It was why they had spent their time creeping down alleyways and side streets.

Soon...soon, the time for skulking would come to an end. Soon, the army would begin their assault.

Alexander ran the blade of his sword over a whetstone, looking it over carefully. He had forgone wearing his armor, seeing as it had been a few days since Basilrin’s return.

It was quite the wonder, seeing not only his return, but the arrival of the Lady Protector herself, Gira. The Black Dragon, as she was called, arguably the most important figure in all of Geralthin. She had been there for the entirety of its history, after all.

She and Basilrin had assured them that the army was indeed on its way. Already a few of those towns and villages nearby had arrived, a few guards and citizens armed with the bare essentials now joining them in the Citadel.

It was a good start, but they had to await the mass of royal forces before they could dare start their push.

Gira was another one. Now they had three dragons. That was three beasts of legend to rain destruction on their foes. Alexander could only imagine how marvelous that kind of support would be for the army.

All in all, things were looking quite hopeful. With a force like this assembled, pushing through the city really seemed more than a mere pipe dream.

All they had to do was cause a gap, if only for a moment, in the demons’ defenses. Then Alexander could slip through, enter the Blackheart, and destroy whatever artifact was anchoring the portal to their world.

“Hey.”

The knight turned to see Wurie walking up to him. The wolfman took a seat on the ground beside the knight, flashing him a nervous smile.

“Hey captain. What’s the matter?”

Wurie looked off into the distance as Alexander continued sharpening his blade. “I just...can hardly believe it, you know? That we’re so close.”

“It won’t be long now,” the knight answered.

“It’s been quite the journey.”

Alexander smiled. “Yeah. I think we’ve all learned things from this.”

“Really? I feel like you’ve been the one teaching ME here, sir knight!”

The man shook his head and sighed. “You should know better than that, Wurie.”

The wolfman frowned. “What are you talking about?”

“Captain, when I first came here...I must admit that I didn’t feel the same way about you and the others then I do now.”

“What’s that mean?”

“Well...I was raised surrounded by other humans. Not once had I even laid eyes upon another species, aside from Stilich, the doctor.”

“Stilich?”

“One of the shellbacks,” Alexander admitted, “Father hired him to take care of us...but that was the extent of my knowledge. He was one of a kind as far as I was concerned. When I joined the army, I was deployed at the northern border. There, was my first experience with the wolves...with your people, Wurie.”

The captain grimaced. “Not, uh...not a good impression,” he whispered, his voice reflecting pain.

“That’s an understatement. I thought your people were animals, barbarians, monsters...I had a similar view for many of the peoples of Geralthin. In truth, the edict didn’t rattle me as much as it probably should have...it meeting Sigvin to change my mind about a “universal evil”. Even then I thought he was the exception, but now...I see I was quite mistaken.”

“Sigvin?” Wurie’s brows furrowed. “Alexander, you said...Sigvin?”

“Yeah. We commissioned him as pathfinder, during one of our expeditions into tribal territory. We chatted at the camp. Told me all sorts of stories about him and his people. Really helped me understand the wolfmen more than I did.”

Wurie’s eyes were a near sliver now.

“What? What’s with that funny look?”

“Alexander...was...was Sigvin a bard?”

The knight was caught off guard by that one. “He...mentioned he wanted to become one...how on earth did you know that? Wurie, have you met him?”

The captain gave Alexander a serious look. “...follow me.”

He paused only to put his whetstone away and sheathe his sword before he hurried after Wurie. The implications behind this left only one possibility…

Turning past another group of tents, Wurie called out to a figure facing a firepit. “Sigvin!”

The person turned around, sitting on a small wooden stump. In a rather puffy, fanciful striped and dyed suit, was a familiar face. Sure, the clothes, quilled hat, and lute was a far cry to the rags he was wearing all those years ago, but Alexander recognized him all the same.

“Sigvin...you’ve got a friend here.”

The unarmored knight stepped forward, eyes widening. It wasn’t just a shared name. It was him. It was really him.

“Sigvin…?”

The wolfman bard frowned. “Err, I’m sorry. You might be…?”

“It’s me, remember?! It’s Alexander! From the war up north? The Pureclaws!”

The bard’s face scrunched up as he tried to recall those memories. In a moment, his eyes shot open. “A-Alexander?!”

“Yeah! It’s me!”

The wolfman jumped up excitedly and put his lute down. “Hoo boy...Alexander! How have you been, friend?!”

The knight laughed as Sigvin grabbed and shook his hand wildly. “Ah, you know! Pretty busy. How the hell did you end up all the way down here?!”

“I TOLD you I was gonna move to Geralthin! I even went to college! All was going according to plan when, uh...this all happened.”

“Right...you were kicked off with the rest of the exiled.”

“Mmhm. I must say, I saw you here before, but I never imagined the man under the armor would be you!”

Alexander shrugged. “Well, here I am regardless! God I can’t believe we’ve been so close all this time!”

“I’ve been...unable to be of much help,” Sigvin admitted with a sheepish smile. “I, uh...I’ve been hiding back here. Thinking, mostly.”

“Well, why didn’t you leave with the other citizens?”

“Because he wants to help!” Wurie said with a grin, “Isn’t that right, Sigvin?”

“Yessir!”

The knight tapped his foot, looking worried. “Ah, but...what are you planning on doing, than? Not joining the front line, I’d hope!”

“Oh goodness no. I’ve never been a warrior, you know that! I AM a bard, though. My music does more than you might expect. I hope to rally and inspire the real warriors when we attack!”

“You really have become what you’ve always wanted, huh?”

“That’s right!” Sigvin said with a grin, “My dreams are...well, they WERE coming true...but hopefully! Hopefully, after all this, I can finally get back on track!”

Wurie nodded. “You will. We’ll see to that, won’t we, Alexander!”

“Yes...we will. I must say Wurie, it’s good to see you looking up like this. You, uh...weren’t in high spirits, the last few times we spoke.”

“What can you do?” the captain asked with a shrug. “I’ve been seeing and hearing some awful things. It takes its toll, but...it’s almost over. We’re so close. If there’s a time to believe, it’s right now.”

Alexander smiled. Despite everything, even the most mournful seemed full of hope now.

“Hope is a powerful thing to have. We’ll see this through Wurie, I swear.”

The trio sat around the firepit, Alexander looking back at Sigvin. “So...got any songs planned for all of this?”

The bard smiled. “Ah, well I’ve got a few popular tunes, but generally I let the music take me where it goes.” His smile quickly turned into a frown. “I do have...one song in the works though. An...ode to your friend, Alexander. The red dragon. Hopefully, my song will travel across the land once this is over, and all will sing of his sacrifice. I figured such an individual deserves nothing less.”

Alexander’s face scrunched up. “Ah. I see...I’m sure he’d be proud.”

Sigvin nodded sadly. “Yeah. I think he would.”

…

“Hey…”

The holy man didn’t look up as he continued reflecting over the words of the scripture. “Yes?”

“I, uh...I’m going to go with them, you know!”

Andric frowned. The paladin opened his eyes and turned his gaze to Senci, visage firm.

“I would strongly advise against that.”

The kobold looked hurt by that. “Oh, come on, master! They’re counting on me to help them!”

“And I’m counting on you to make it through this in one piece.”

“I’ll make it through just fine! I can do it, you know I can! I was trained by the best, after all.”

“Senci…”

“I’ve make it this far, haven’t I?!”

Andric turned around, shifting from kneeling into a sitting position. The pair were inside a tent, taking stock of their inventory and preparing for the final battle.

“I just don’t want anything to happen. I heard about your little stint in the medical tent, you know.”

“But master-”

“What if that happens again?”

“Master Andric…”

“You nearly died, Senci! I cannot abide by this! If I were to let you leave my sight, you could-”

Something snapped inside of Senci, if only for a moment. For the first time since he could remember, he snapped at his mentor.

“I’m not a damned child anymore!”

Andric’s brows raised at the kobold’s shrill yell. He couldn’t remember the man ever being stricken silent like this, but these were exceptional circumstances.

The young warrior felt immense shame and regret almost immediately. He could feel the heat well up in his face and fear creep over him as he looked at his stunned father figure.

“I...I’m sorry…”

The paladin grimaced as he looked the other warrior over. The small lizard shifted uncomfortably, head lowered and eyes full of guilt. Like he was about to be lectured.

Andric sighed. “It’s...fine. I understand. I know this is important to you. I just...I came all this way to make sure you were alright, you know? If something happened, I…”

The man’s lips pursed. “...I don’t know what I’d do. Over a decade, Senci. For twelve years, I’ve been making sure you were okay. For twelve years, schooling and training you...”

“I...I know,” Senci said quietly, “B-but, master...you...you have to let me try! I’m a grown up now!”

Andric shot the kobold a guilty grin and scratched his beard. “Well, actually, you’re still a year away from being an adult at the moment…”

“T-that’s close enough!” Senci insisted. “Listen...I...I’m thankful for everything, really, I am. I’m so lucky I have you to train me...but eventually, you have to put that training to the test! Master...you must let me loose on our enemies! You’ve prepared me for this moment, and I must follow through now! I can’t be useless in this battle, I can’t let everyone down! I HAVE to help!”

Andric frowned and closed his eyes, reflecting on the kobold’s words. Eventually, he opened his eyes and moved forward, wrapping his arms around the young warrior.

“Senci...I know. I know I can’t stop you from doing this...and I understand how much this means to you. You can go.”

Smiling with wide eyes, Senci returned the hug, Andric patting him on the shoulder.

“I won’t let you down. I promise.”

“The only way you could do that, Senci, is if you didn’t come back...so make sure you do, alright?”

Senci grinned wide. “Yes sir!”

…

Razorwing pulled back on his bow, getting a feel for the tension. He sat on the ground beside the tent he had been staying in, his supplies laid out around him.

After this brief test of his bowstring, it seemed like all was in order. He had brought a few extra with him just in case it snapped, but there didn’t seem to be many issues. He’d been using this one for about a year, but he was very fussy about maintenance, so everything still worked as intended.

“Is that the great hero Razorwing, playing around with an unloaded bow?”

The bird turned his head towards the source. Of course, there was no mistaking that voice, despite the additional cheer it seemed to be carrying today.

“You work with crossbows. You know full well the need to test and maintain.”

The human sat down beside him. Despite the mask, his eyes made his amusement clear.

“Obviously. I’m messing with you, dope.”

The koutu shot him a cocky grin. “You sure? You know, if you don’t know about weapon upkeep, I could teach you.”

“Yeah yeah, alright, ya dumb bird.” A light punch to the shoulder made the hero chuckle.

Paul took out one of his own crossbows and looked it over. It was a fair bit smaller than the ones the armies used, seeing as this was made with the ability to hold and fire with one hand. Still, it had enough force behind it, and the bolts were large enough to still be deadly. The downside was that without the heft of the larger models, punching through armor proved...problematic.

Not that this was generally a problem for Paul. As a bounty hunter, he generally worked to end combat before it began. He’d become a good enough shot and a quiet enough sneak to hit targets in their weak spots, while they were unexpecting.

“Hard to believe it’s almost over huh?” the human mused.

“Yes...quite remarkable. We’ve come quite a far way, we have.” Razorwing put his bow down and grabbed his quiver, beginning to examine his arrows.

“It’s been rough. The close scrapes, the demons...listening to you blabber on about nonsense,” Paul said with a laugh.

“Oh? You got pretty mad when I stopped ‘blabbering’ though, didn’t you?”

The bounty hunter looked away as the koutu grinned like mad. “Well...you know how it is...the silence in this hellhole is maddening. Any voice is a relief...no matter how dumb what they’re saying is.”

The archer raised a brow. “Oh ho! I see! So what you’re saying is I’m just a voice to you, huh? Just a distraction? Just something any other person could have been?”

“T-that’s not what I meant!”

The hero put a winged arm around the human’s shoulders. Shooting him a grin, he leaned in. “Don’t worry! I’m just...what was it you said? ‘Messing with you, dope’?”

Paul groaned, which drew another laugh from Razorwing.

“Seriously, though. You and I, friend...we’ll go far, don’t you think?”

“What do you mean by that?” with the birdman’s wing still wrapped around him, he looked over questioningly.

“You remember how well we worked in the streets. How long we spent without the luxury of a team, or any support. Just the two of us, against the demons. The scouting we did for each other...we make a perfect duo, don’t you think?”

Paul looked away, sighing. “We, uh...you’re right, but...I don’t know.”

“Aw, come on, pal! No one can beat a team like us!”

“I know,” Paul admitted, “We make an excellent team. Still...I don’t know if I’ll...be doing this in the future.”

Razorwing frowned. “Huh? What’s...what’s that mean?”

“Look. You’re a famous hero. You fight monsters, and lead parades, and have songs sung of you...and I’m a shadow. No one besides you knows my identity. I stalk the shadows. I slit the throats of thieves and killers. I hide from the fame that comes with the work I do. I’ve built a reputation as an ender of lives...despite no one knowing who I am.”

The hero gave him a funny look. “You’re saying we’re incompatible?”

“Well, that’s one part of it-”

He was cut short by Razorwing squeezing him, tightening his arm’s grip around the man.

“Come on, Crux! We’ve been through enough to know that’s nonsense!”

Paul’s eyes narrowed. “Argh. You wanna let me breathe, bird?”

“Very well.” Razorwing let go of him, the pair sitting beside one another once more.

“Hah. Well, besides that...I have an identity to keep concealed. We were able to do that AND work together because, well...we’re in a fog-covered city cut off from the outside world. If we started working together once this is over...I fear your renown, and the attention you draw would...make my secret impossible to keep.”

It seemed to finally dawn on the hero, now. His gaze softened, turning into a saddened, wincing visage.

“Ah. I...I see. You...we can’t...be friends anymore.”

There was a lengthy, uncomfortable pause. Both of them had their heads down, unable to look the other in the eye.

Paul’s voice caught Razorwing off guard.

“You know...you’re the only friend I’ve ever had.”

The archer blinked, eye widening. “Paul…?”

“I, uh...I made an effort to keep my distance from everyone...just so something like this wouldn’t happen.”

The human looked over at Razorwing. The koutu’s head hung low, looking defeated.

“I...there must be something we can do…”

Paul crossed his arms, his weapons checking long forgotten. “Is there...some place you go to all the time? I don’t know if I could leave a paper trail to keep in touch, but if we happened to be around the same places…”

Razorwing smirked. “I’m all over the place. The parades and plays and, well, you know.”

“Of course.”

“Well, my estate’s always open to you. Hey, maybe you could come over sometime and meet Eignach!” “Eignach…?”

The koutu looked surprised. “Oh, I didn’t tell you? We’re...together.” There was a short pause before Razorwing continued hurriedly. “Err, that’s uh, why I wanted to tell you, by the way, that I’m spoken for. I didn’t mean to...hit on you. I-I don’t drink, so, uhh...I wasn’t thinking clearly. My apologies.”

“Don’t worry about it...lightweight.” Paul was grinning. The way the fabric around his mouth was stretching gave it away.

“Well EXCUSE me for practicing a bit of clean living!” the hero laughed and shook his head. “Well, at any rate, we’ve been together for...not too long. We were just friends at first. Poor fellow was expelled from the kingdom during the exile. He grew up in Geralthin. He may be one of my people in body, but culturally, he was a human. Our homeland was alien and frightening to him. I took him in, seeing as he lost his home and...the rest is history.”

“A bird frightened of his own flock…” Paul pulled out his dagger and inspected it for any nicks and scratches.

“I suppose! He’s adapted well, though. You know he was a fan of mine? He was absolutely starstruck when we met. Even fainted and everything!”

“Everyone has a hero to look up to, I guess. You happened to be his.”

“That’s right.”

Razorwing turned to look at the human, still running his hand along his dagger.

“Hey, Paul?”

“Yeah?”

There was a brief moment of hesitation. “Whatever happens out there...we’re a team, alright? I’ve got your back.”

Paul lowered his dagger, turning to look at the archer. His eyes ran over the other man, taking him in.

“And I’ve got yours.” He held a gloved hand out to the koutu, who took it without hesitation. The pair shook.

“Domnall...it’s been a pleasure. Let’s cast these beasts back to the deepest pits of hell.”

Razorwing radiated confidence as he sat up straight. “Hah! The armies of hell themselves will learn to fear our names!”

Paul nodded, a smirk etched in his mask. “That’s what I like to hear. Let’s you and I give em’ something to call hell...bird.”

…

“Looks like everything’s ready.”

“Just about.”

The man and woman were sitting inside a small tent, just the two of them and their supplies. The man was sitting idle, while the woman was chewing on a piece of jerky. He looked at her with a near unreadable expression.

“Hungry?” she asked in between bites. He shook his head.

“Not a fan of jerky?”

He shook his head again. “I don’t care what I eat, Leianna. I’m just not hungry right now.”

The cleric shrugged, still chewing. “Suit yourself.” Taking another bite, she looked off to the side in thought. “Man, all they’ve got left around here is cheese and jerky.”

“Not much else can last months without spoiling,” Lexius noted.

“Hey, I’m not complaining. Food’s food, and cheese and jerky are damn fine.”

Lexius sighed. The priest looked sullen and out of it. Leianna noticed this, and gave him a questioning look.

“What’s wrong?”

“I’m just...I wish I could have...been of more use.”

“How so?”

The man held his hands out. “I...I was poor support on the field. I’m an awful combatant. I spent half my time here bedridden. I failed to come prepared. I...I even...Leianna, if I had been with you when we split into two groups...perhaps Basilrin’s brother and Tourthun would be-”

“Hey. Monk boy.” Leianna gave him a firm glare, as if chastising him. “Listen to me, you fool. You came here of your own volition. You waltzed into a hellhole full of the darkest beings the world can offer with scrappy armor, a chipped iron blade and a tiny wooden shield. You never trained for combat. You healed a goddamned DRAGON, Lexius.”

He was about to respond, but Leianna put a hand on his shoulder and smiled. “You kicked ass out here. No one expected some guy from a church to make it this far, but here you are.”

The priest lowered his head and laughed. Leianna raised a brow. “Err...Lexius?”

“Heh...yeah, I guess you’re right. No use in feeling sorry for myself. I did what I could. That’s...all you can really do.”

“Hey, that’s the spirit!” Leianna grinned and patted him on the shoulder. “Look, I’ve got plenty of things I wish I’d done differently too, but there’s no turning back the clock. You live with what you do, and you do the best you can.”

Lexius looked up at the cleric hopefully. “Sister Leianna...could you join me in prayer?”

The woman shrugged. “I don’t see why not.” She shoved the rest of the jerky in her mouth, chewing loudly as she rushed to finish her meal.

Lexius took out his cross, from under his armor. The small, wooden symbol appeared hand-carved by him, if its quality was any indication.

Leianna wiped her mouth and took out her own, pulling it from a pouch. The handheld crosses were more good luck charms than anything, not blessed or magical in any way. It was a simple reminder of God, carried on each church member’s person to serve as a constant source of hope and faith.

Lexius bowed his head, cross clutched underneath his hand and held onto by both hands. Leianna followed the gesture.

“Through God and the intercession of Saint Martin, we stand firm against the work of the enemy,” Lexius said, his voice low and clear.

“We thought we may have died and been sent to the underworld for our transgressions, for we are surrounded by grinning faces of demons,” Leianna continued. The pair continued to alternate between each line.

“Even in death, even in the underworld, despite our true odds, we will never waver. Such is the burden of the faithful.”

Lexius’ eyes were squeezed tight as he brought the prayer to a close. “Guide us now, for we do the bidding of the Lord, our God. Allow us to fulfill our duty, no matter the cost. No matter the cost…”

“Amen.”

Despite having reached the end, Lexius did not rise as Leianna had.

“No matter the cost…”

The cleric looked at the priest with a notable degree of concern. “Lexius…?”

“No matter the cost…”

…

“This catastrophe was man-made! I’ve seen it for myself!” Charles stood among a group of humans, the first few militiamen who had answered the call. Several of them, in their light uniforms of cloth and wielding simple weapons, leered at him in disdain.

Though Alexander and the others had been through enough with the magician to trust him, but as he had always been told, the common folk saw him as little more than a monstrous chimera.

“What the hell do you know?!” one of the levies shouted, eliciting cries of agreement throughout the crowd.

“I recovered documents from the college! One of the wizards said himself that he did it!”

“Oh yeah?! Where’s your proof?”

Charles frowned. “I gave them to my friend, the professor. He left with the rest of the citizens in the evacuation.”

“How awfully convenient,” one of the men mused. A few voice called out in agreement once more.

“Whatever!” the dragonoid cried, throwing his hands up, “I don’t care if you believe me or not! The truth will come out on its own!”

“Yeah right. I bet YOU did it!”

“M-me?!” Charles reeled back, “Why would I do that?!”

“It’s in your blood!” Cheers erupted through the crowd at those words, the magician clutching at his shoulders defensively.

“T-that’s not true. I make my own path...my origins do not determine my future…”

“Yeah, right! Say, if you’re one of them...I wonder if you’ve got any secrets you’re hiding…?”

A few men stepped forward, their stances clearly hostile. Their eyes glinted with malicious intent, and their grin were anything but friendly.

“W-what’s this?!” Charles shouted, shaken. He backed up, nervous about where this was going.

“Why are you wearing that?” one of the men asked, reaching out for his wizard hat. Though he grabbed it, Charles threw his arm away, clutching onto the hat possessively.

“Don’t touch me! Don’t touch my things! They aren’t yours!”

The man smirked. “Are you hiding something under there, beast?”

Their approach quickened, even as the dragonoid began backpedaling.

“L-leave me alone! Stop it!”

“Show us what you’re hiding!” Several shouts rang out through the Citadel. Some from the mob of soldiers, some from citizens around the camp that saw what was happening.

Charles, focused on the approaching men, failed to notice a rock behind him. His foot slipped as he tripped over it, falling to the ground on his back. He sat up, and just as it looked like the mob was about to descend on him…

“That’s ENOUGH!”

Blinking, the fallen dragonoid looked over to the source of the bellowing voice. Sure enough, the knight was stomping over, though not in his armor. Still, he had his sword on his hip, and looked suitably authoritative enough anyway. Behind him, a few others followed, most notably Wurie.

“Causing trouble, are we?”

The knight’s demeanor seemed to shake the mob of levies out of it, many quickly backing away from Charles.

“W-we were just-”

“Harassing the people you were sent to help? Yeah, I noticed. What’s next? Gonna mug a few of the wolves? Attack the birds?”

“No,” a single voice answered meekly. The knight scowled at the group.

“Which one of you imbeciles is in command here?” He demanded. A lone soldier answered.

“Captain Howard, sir. He’s outside.”

Alexander stepped forward and grabbed the man by the neck, pulling him close. The others gasped, but didn’t interfere.

“Tell your captain to get his men under control,” he growled, voice dripping with venomous hostility, “NOW.”

“Y-yessir,” he squeaked, stumbling backwards as Alexander released him.

“Crawl on out of here, all of you. You’re not welcome.”

As the group turned to leave back through the sewers, the knight called out one last time.

“If I catch you attacking any more citizens, you’ll be hanging from his majesty’s gallows for treason!”

As the group fled, Alexander turned to Charles, still sitting on the ground. He quickly extended a hand. “You all right?”

“I-I think so.” the magician grabbed the man’s hand, letting himself be pulled to his feet with a grunt.

“Ah...thank you, Alexander.”

“Don’t worry about it. The nerve…!”

Charles smiled as he dusted himself off. “I’m thankful to have friends in such affluent stations…”

The knight grimaced. “I don’t like throwing my weight around, but in these situations I hardly have a choice.”

“What in the world was that?” Wurie asked, “They were like...common rabble! Like the thugs whose fights I had to break up back in the day!”

“That’s what happens with the army,” Alexander noted. He frowned as he looked over to the exit, hands on his hips.

“These aren’t elite soldiers of the king. These aren’t contractors or professionals. These are levies, militia and common folk. They don’t have the discipline a lifer has. Force them to stay on duty without an enemy to fight, and eventually they’ll starting picking their own fights.”

Wurie tilted his head. “Sounds like you’ve dealt with this before.”

“Comes with the territory. Command enough armies and you know the best and worst of it inside and out.”

“Still...unacceptable,” muttered Wurie. He looked deeply wounded by the proceedings.

“Captain? You okay?”

The wolfman shook his head. “It’s...nothing. Just remembering the exile.”

“Similar treatment?”

“Very.”

Alexander crossed his arms. “Things are going to change around here. I don’t know how, but they will.”

Wurie smiled despite himself. “I...appreciate the optimism. I would say I don’t believe it but...I already said that about you saving our people. I fear I’d be eating my words yet again if I said such a thing!”

The knight shrugged, a small smile at the corner of his lips. “Guess we’ll just have to see, huh? So how about…”

A shadow taking up the entire middle of the camp cause him to trail off. While the twilight wasn’t much, it was noticeable now that it was gone.

He barely had a moment to look up before a green dragon dropped down the hole and into the Citadel. Basilrin.

“They are here! The king’s men are here!”

There was a lengthy silence as the crowd looked at one another. A few citizens walked over at the dragon’s call, including the others that had been journeying together with Alexander all this time.

Looking back, the knight gave them a nod. At last, the end was here. Alexander closed his eyes and took a deep breath.

“It’s time.”

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[dndfuckhouse]

session 10 - old and new twisted faces

> 🎵  Darkening Developments / Kevin Macleod 

Picking up right again after a harrowing scream echoes throughout the alleys of the withered bone, Psalm and Rokka look to one another to decide their next course of action. 

Psalm: it's not really our problem, is what i'd like to say but i get the feeling that you want to go help them anyways Rokka: you are correct my dear roommate. lets go! Psalm: wait wait wait

Psalm advises Rokka to go wake the others to go check it out, him staying and watching over ‘greenie’ in the meantime. Rokka runs over to the room with Keva, Han, Ezra and Plum inside and kicks up a big fuss that Plum and Ezra aggressively sleep through as the others each rouse tired and groggy. Keva throws a pillow at Ezra to rouse him out of nowhere and the four make their way over to the room where Psalm is to ask him why the hell he woke them up.

Han: psalm, why can we not sleep in peace :) Psalm: why are you asking me? you think i'm responsible for this? Han: i do not consider rokka responsible yes, i do consider u responsible Psalm: seems a bit unfair, we're both on watch here..... not really appreciating the bias

He explains the flash of light and the scream he heard to he group, everyone but Rokka decide they definitely are not getting involved even if a dude is dying but will accompany him to check it out on his insistence. The four heard downstairs while Psalm keeps watch over ‘greenie’ like a hawk. 

Psalm: AN OCELOT NEVER LETS HIS PREY ESCAPE Plum: psalm meow like ocelot or no balls psalm by himself with greenie: MEWOOOOOWW ghester:

The four make their way outside the bar’s sturdy front door and listen about and hear sounds of someone moving a body, Rokka tries to pinpoint it but cant tell where its coming from. Han and Keva manage to figure it out while pulling on his ears, they creep around a corner and see a cloaked figure laying on the ground, someone standing over them.

Psalm: Ghester im thinking of a number between 1 and 2 decimals are allowed Ghester: 1.6 Psalm: Oh u got me...

The three recognise the figure over the body to be that of Vorde’s bodyguard from the ball. However Keva recognises him as her old friend Orin, seemingly appearing here from out of nowhere.

Psalm: and can you believe she thinks it's my fault ghester? after all i try to do to keep these idiots alive and she thinks it's my fault i was doing my job on watch duty properly Ghester: honestly it can be a little frustrating at times but you must make with what you have Psalm: i'm not about this bonds shit big boss has me doing but who am  i to disobey

Orin looks to be staring intently at something in his hand, in his other he holds a bloodied sword, Keva stands frozen stock still watching him. Han makes to leave waving it off but Rokka shouts out into the quiet a YOU THERE immediately alerting him to their presence down the alley. Han quickly moves around the other side of the building in an attempt to flank him while Rokka continues to yell at him. Keva soon broken out of her shock pulls down her facemask and calls Orin’s name out. In the meantime Plum finally wakes and makes their way over to where Psalm is on guard, asking where everyone suddenly went.

> 🎵  What We Could Have Become / Vampyr OST 

Keva: “don't hurt him" i say like out of breath Ezra: ezra looks at you out of the corner of his eye as you say that keva

Keva: i take down my hood and take a step towards him "orin...?" Rokka: orin? you know them? Keva: i don't respond to rokka and tap another step towards orin

His eyes seem to scan you for a moment before he seems to relax slightly. He mumbles something under his breath before throwing up a quick mock salute with a lazy smile and turning, running off down the opposite end of the alley flicking something onto the corpse

Han in her attempt to sneak around ends up walking into a wall in the dark and licking a wet cave wall for a moment. Keva and Ezra give chase after Orin but seem to lose him quickly in the dark and twisting turns of the alleys. Han eventually finds her way back to the group where they stand about frustrated and empty handed. Plum upon hearing the commotion outside decides to head outside to check it out while Psalm continues watching.

Rokka: i follow behind keva and check up on her "what just happened--are you crying? oh my go-are you ok?" Keva: when i hear someone coming i try to force my breathing to calm and pull my hood up,  @ rokka i just mumble "shut up" Rokka: < : (

Han: did all 3 of u lose him. i tried to go around and cut him off but u guys did a bang up job of that Ezra: you sure cut him off alright coming in about a minute later

Plum make their way outside to where the rest of the group is and ask about whats happened, the group then decide to go check the body that has been left in the alley in Orin’s wake. Keva is informed by the rest of the party that they saw Orin earlier during the ball and says he looked like Vorde’s servant, she seems utterly confused.

Plum: wow this is such a small fuckin town Han: you tellin me!!!! Plum: he seemed like a complete wimp when i saw him at the party, no offense Han: he did look like a wimp

The body appears to have been stabbed twice through the chest, blood staining he front of what looks to be somewhat fancy clothing. His pockets appear picked clean aside from a knife in its sheath Han pockets, the only other thing on him being the symbol Orin flipped onto his front, the group recognise it as the same one greenie had, a symbol of the Red Letterheads.

Han:  ... why would the servant of a man who owns land be here Plum: ...owns land? Han: doesnt he? he said he owned a village Psalm: yknow ghester i feel like that vorde guy is definitely responsible for all that shit that happened at the ball Ghester: jumping to conclusions can make you blind to other things Han: SHUT UP GHESTER ME AND PSALM WE GOT THIS BITCH

Rokka:  im just behind everyone watching them loot a dead body

Ezra inquires into how Keva knows Orin, she says she does but she didnt know he was still alive. She explains that Orin stole something back for a paladin that helped him before, but he got chased and hurt in the process. He gave the sword to her and told her to run and so she did and now she is here and so is he “i guess!”.

Han: well, congrats i guess, u didnt check the corpse well enough Rokka: so you........ran with a sword some dying dude gave you? Keva: he’s, an old friend

Plum: plums head working a mile a minute they are so confused

She explains she doesn't know what happened after she ran but swears he’d never do or hurt anyone like this for no reason. Rokka questions this but she doubles down on her statement. The group begin questioning if Vorde has some stake in this or is planning some kind of coup as they decide to head back upstairs, upstairs Psalm notices ‘greenie’ finally waking up again. Keva asks the group to try and not hurt Orin the next they see him and Han singles herself out as the only one who doesn't go ‘eh sure i guess’ but shrugs eventually. She also states she has a plan and picks up the body from the alley to take upstairs.

Han: smiles at keva with a corpse dripping all over me Ezra: renny is gonna be pissed if you track blood inside Han: ;asdflkwefd

Psalm and greenie have a impromptu staring contest while Han rips off her fancy shirt to wrap around the body and a bedroll to keep it from dripping all oer the floorboards. As they shuffle their way back upstairs Psalm hears them come and Cimmorro finally seems to hear them and wake up. He moves to check on Vinny before heading out to see what the group is up too.

Cimmorro: aight i go scout with everyone else and be like wuss poppin cimmorro shuffles through the door and sees han holding a dead guy in a bedroll and everyone standing around the small room  Rokka: i point at dead body "thats poppin" Cimmorro: jesus, what did you guys do

Han attempts to interrogate greenie using the corpse by dropping it on the ground next to her which causes her to twitch slightly. She asks her if she knows a man named Vorde to confused response. While this goes on Ezra moves over and explains the current situation in Cimmorro’s ear to catch him up.  

Rokka:  

Cimmorro moves to say a prayer over the corpse while the rest of the group feel like they're getting nowhere with the questioning, leading to Psalm to get fed up and cast a suggestion spell on her.

you ask her what her connection is to a man named vorde, her face shifts back to that of a neutral one "i dont know anyone by this name"

Han: what is the goal of the red letterheads Greenie: kill the prideful, to kill the deceitful, to topple those in power, for him Han: and who might him be? Greenie: our leader, his grace Theyord Han: what does your grace look like? Greenie: he is holy, wise and aged, unmatched in his serenity and his anger, he wears it all upon himself for us to see Han: more physical features this time, greenie? Greenie: grey, old, standing tall

Psalm: kinda vampirish? red eyes? pointy ears Han: maybe a dilf? Rokka: hes got a nephew about ye high

Han: where might your boss be, greenie? you got a hideout? Greenie: he only shows up when he summons us for communion, i dont see him otherwise it is against the rules. I only meet where he asks me too Han: where does he ask you to meet? Greenie: across the city, all manner of places, but its rarely, he merely speaks to me at times, it is lonely Han: how does he communicate with you? Greenie: he speaks to me in my mind

Han: cool cool cool cool cool cool cool cool Psalm: what's that like? ^__^?

Han: whats the talking like greenie? Greenie: its soothing, angelic, he tells me what to do Han: what were your plans after you murdered your target? any meet up spot? Greenie: we were supposed to run and then he'd tell us what do do, but i haven't heard anything, maybe because we messed up, he must be angry at us

> 🎵  Controlled Chaos / Kevin Macleod 

Partway through their questioning as he says his prayers over the corpse off to the side Cimmorro sees one of its fingers twitch slightly underneath the fabrics. As he inspects it further he feels an air of unease begin to radiate from it as the rest of the body begins to twitch slightly. He informs the group of whats happening and they all watch as the body begins moving unatelry on the floor of the room.

Cimmorro: i hate this bc i was abt to like bother the whole interrogation by making a prayer dialogue going like "can i sing for you 😏 " at the corpse but ok Han: hey now is ur partner supposed to come back from the dead? 😬 Rokka: is this............a zombie attack

The group debate on whether they should just stab it again or tie it up or what as the body continues shifting until its moved to fully standing in the room, its head shaking at a inhuman erratic pace, arms twitching. Rokka moves to bodyslam the body soon after it stands, attempting to pin it to the ground but the corpse seems to push him off slamming him against an opposite wall. Han soon moves after to grab it into some kinda chokehold as it stands on twitching legs. 

Keva: oh fuck yall what of the red letterheads symbol Orin left wasn’t a calling card or smth but smth that turns people into zombies Han: PLEASE KILL ME NOW

Han: greenie WHAT is happening to your friend holy fuck Greenie: he’s returning, he's coming back, he's been chosen

Ghester: hmm....kind of unpleasant Psalm: what is? if you know what's happening i'd love some insight Ghester: the corpse, i thought that was obvious that who sees Psalm: i hate you so much Ghester: appreciate it Psalm: anytime

Han & Keva: how does someone get chosen? Greenie: its blissfull, he decides who to choose himself Keva: WAIT IF VINNY WAS STABBED WAS HE ALSO CHOSEN Han: OH goD PLEASE DONT SAY THAT Psalm: oh, hmmm. we've been keeping an eye on him though right?

As they speak Han holds the twitching body down and asks the others to tie it up, Ezra suggests sitting on it as well to keep it down which Han does. The body starts making groaning noises out of its mouth that sounds like a weird guttural gurgling. Han continues frantically questioning greenie as the group are all utterly creeped out and on edge.

Han: what are you chosen for? Greenie: for a great purpose, to stand by him and do his work Han: what does that BLOODY mean!!!!!!! Rokka: i cover my ears "make it stop make it stop make it stop make it sto"

Cimmorro moves to inspect the body as Han sits on it to discern what in the hell is going on. He figures something is binding the soul to this corpse in some unnatural way, the twitching being especially unnerving. Psalm begins asking the group if they should chop its head off to stop the sounds. 

Han: was the man you stabbed  at the party also chosen?? Greenie: i dont know i can only hope if i am killed i will come back, at least then i can stand with him, i dont know what it takes only that it happens, Frello....i am glad he was given this purpose

Plum: i'm really hoping we don't trap this guy in some kind of painful existence by doing that Psalm: why would you say that now i'm faltering

Han: what is this purpose?? is your lord gonna pop up and talk thru him?  why was vinny stabbed at the party Greenie: i told you already, "kill the prideful, to kill the deceitful, to topple those in power, for him. Sometimes he speaks through others, he is a symbol of pride, he was chosen for that reason

Han asks what would happen if they hacked this dudes head off and greenie responds that her grace would become very angry. Han birefly asks if greenie recognises the name ‘Ullr’ but gets confusion back similar to when she asked Vorde’s name. Cimmorro moves to inspect the body closer and the unnatural rolling of the eyes and gurgling almost make the body look conscious, through the back of the shirt though he spots something. a faint orange light shining through. The group move to quickly rip off part of the shirt and see an old brand on his back of the red letterheads symbol, glowing a faint orange. As they do this head’s next almost twists a full 180 to watch them.

Psalm: heres what i think. that vorde motherfucker is reviving people and had his little servant, keva's friend, revive this guy for that purpose. Whether or not he's affiliated with greenie is unknown to her but it seems incredibly likely, and we should probably kill this guy before he becomes more of an issue

While the group debate Cimmorro notices that the corpses gurgling is beginning to form small words and actual sounds as if he were learning how to speak.

Psalm: WOW GOOD THING I HAVEN'T CUT HIS HEAD OFF

Cimmorro makes out the words “hello” “you” and “see” he moves to tell the group that the corpse seems like its trying to communicate with them, han keeps it pinned by its forehead on the floor. Cimmorro says hello back and gets the words ‘greetings” ‘thank you” and “accomplice”. 

Cimmorro: oh okay, you're welcome i guess.. who's the accomplice ??:  cimmy you hear a "yourselves" and a garbled sounding noise as the corpse lifts up the edges of his cheeks in a smile

Plum attempts to identify the symbol while they speak and understands that an animate dead spell is affecting it, as they do this the eyes of the corpse swivel over in their direction. Han asks if this is Theyord and gets a ‘your grace is i’ back from the body, she asks what the fuck hes planning to do and gets "much work" and a "will see" and a "take yourselves" and a "watching". After that final communication the body seems to twitch erratically and convulse in upon itself. the glow of the mark fading leaving the corpse unmoving and silent once again.

The group debate with one another on whether or not he knows if they're here or not or if they're being kept alive for some purpose or not. Cimmorro getting somewhat paranoid from the experience leaves the room to check on Vinny and Cole, seeing them fine and asleep in their beds. He waits in their room as they others continue to discuss the state of things, watching over them for the time being. The group decide the plan hasn't changed, gather information and move afterwards, find the letterheads first and if they cant find anything they decide they’ll head to Vargonia.

Psalm: who is orin anyways? friend? family? Keva: i'm quiet for a bit "what i have left of a family" Psalm: i see

The group minus Cimmorro think on what to do with greenie now and come to the decision its better if they kill her and burn her body along with the other corpses so they dont come back again somehow. They try and figure out how to off her in the most painless way possible, Plum giving Han the petals of a plant to feed her after she knocks her unconscious. Keva goes to join Cimmorro in the room watching Vinny and Cole as the rest take the two downstairs and burn them, the smell its pretty putrid.

Han: i was doing so good on my no killing streak until this job came up Psalm: yknow i'm realising kind of belatedly we could also just bring her to the authorities Han: ............

Cimmorro: this is gonna be a long day huh kev... what are they doign out there Keva: i'm like face down on the extra bed and i say, muffled "fuck if i know"

The two discuss if Vinny will be okay to which Cimmorro says he seems to be getting better but he defintely wants to keep a close eye on him. 

Keva: i turn my face to the side "...can you teach me some time? to idk, help fix people i guess, since it looks like we're stuck together" Cimmorro: oh??? well, i could. since i'm also learning and looks like that will be the case huh" i shrug "you're gonna owe me though >:) Keva: i shrug "i already owe you for the time in the basement so whatever i guess" Cimmorro: i lift my brow and start doing a thinking for a while before i go "ohhhhhhhhh yeah wow you remembered that? i didn't even think about it, it's sort of just habit to me so...it's fine but i'll be keepin tabs now hakhak" Keva: i do that like kinda laugh where you just expel some air out your nose before turning back to facedown in my pillow Cimmorro: i sigh and say "you're not so bad kevster. get some rest... you're gonna need a lot lol" Han: t poses into the room

The rest of the group make their way back up to the room post burning and rouse cole from her slumber bleary eyed telling Cimmorro what they did. Han goes to shake Vinny awake to Cimmorro’s huffing over rousing his patient as he slaps her arm away. Vinny grumbles awake and upon seeing Cimmorro sits up ramrod straight in bed grabbing him with a shout.

Vinny: YOU!! Cimmorro: HELLO? SIR? Vinny: his hair is also a mess, he grabs your shoulders for a moment before moving a little closer "...I THINK..." Cimmorro: whoahhh personal space

Plum: plum is going to go have a stress ulcer in the corner of this room Cimmorro: pet rokka to feel better Plum: why must we remove rokka's humanity Rokka: he would not mind tbh pls rokka needs comfort too

The group catch him up on the events post him getting stabbed up till now along with Cole as the two get ready to head out with the rest of them. The group decide on different groups again since they no longer need a group to stay and watch ‘greenie”. A group to go above ground and sneak into Vinny’s store and another to ask around down in the cove. Vinny decides to join the above ground group listing the laundry list of things left unattended up there, Cim follows wherever Vinny is going for the time being. While they discuss this Rokka briefly asks Vinny if he recognises the Theyord to which he thinks on and says maybe.

The group split becomes  -> Han / Keva / Cole / Vinny / Cimmorro to head aboveground  -> Psalm / Rokka / Plum / Ezra to stay belowground

The aboveground group tell Plum they will also retrieve some of their items for them if they can. They begin discussing and managing their disguises, as they do Cole hands Vinny her hat to replace the one he lost when he was stabbed. 

The group decide to meet back at this point in 24 hours. If they dont see anyone by the meeting time then escape as you are now. Ezra notes if his group wont make it he may have a way to contact them if so but not vice versa. the group also decide to use a special code with one another to make sure they dont get duped by any future clones. 

Rokka: i vote for obama take the wheel Ezra: who is obama Rokka: my great great great grandfather

Psalm: A code is a good idea Ezra: im gonna have to agree with psalms suggestion on this one

Psalm: How about Q: "where were you up to the night of the ball" "A: "i was having a grand old time"

As the group break to head their separate ways Cole moves to give the downstairs team a hug before she leaves but it soon evolves into giving everyone a hug as they leave. The hugging is spread all around. 

Psalm: Ill give you a hug han (: Han: glares at psalm but opens her arms Psalm:  ..........it was a joke Cimmorro: shakes my head towards psalm

They group splits off for the time being after the hug parade pulls into town, they head out to attend to their tasks, mission and goal on the mind. Theories are swarming in their heads and questions left unanswered, starting their day by pushing through the darkness ahead.

---

Notes

🔮 Psalm rolled a 25 on their disguise check

🏹 Han takes the ring and disguises herself as - a half-orcish man as short as she can manage, she also obtains a 「 Poison Dagger✨」 from the 🔪Assassin

🍺 Plum asks for - their large pot of pink potion / the rest of their ingredients in their small bags

🐺 Rokka tears his shirt off when everyone began talking about clothes ( #freethenipple ) and covers himself in a cloak

🗡 Keva and 💎 Cimmorro wear their cloaks over their outfits and 💎 Cimmorro removes most of his jewellery and rolls a 14 on disguise

[blazinginbus1]

I read rear view lyric analysis and I really liked it.. Would you do it for his new song Dawn till Dusk too?

Awh, it’s really great to hear that! After listening to Rear View, I couldn’t keep those thoughts contained, so I decided I just needed to get them all out in to word, but I’m glad you enjoyed reading it, and maybe took something from the analysis as well. I wrote a really brief tidbit that I’d initially thought about while first listening to Dusk til Dawn regarding Zouis here, if you wanna check that out here. But for more of the lyrics interpretation, let’s just get things started:

”Not tryna be indie,

not tryna to be cool,

just tryna be in this,

Tell me, are you too?“

He’s essentially saying it’s not in his interest to ‘jazz up’ his writing to make all these too-cool, abstract metaphors nobody can understand. Something, coincidentally, that Louis has also vehemently said in interviews regarding his musical writing process. They’re straight to the point; ‘Are you in this relationship with me, or not?’ It’s just interesting to note they approach writing love songs in the same way.

”Can you feel where the wind is?

Can you feel it through?

All of the windows,

inside this room.”

I know I’d previously stated that this reminded me of a photo of Zayn and Louis taken from outside a window. Which was clearly a surface-level interpretation. But looking at it a bit deeper, it’s as if Zayn’s taking notice and making it known the windows in this ‘room’ they’re in, are open. Seeing that you can feel the wind passing through. As if this window is a way out of for them.

“Cause I wanna touch you, baby,

and I wanna feel you too.

I wanna see the sun rise,

on your sins, just me and you.”

This one seems pretty self-explanatory. Zayn wants to experience both that physical intimacy of being lovers, but also an emotional connection as friends. Wanting to wake up beside them in the most vulnerable way; naked, honest, calm, and at peace. Something that not everyone see, because you have to be so trusting to give it and so trustworthy to receive it. He uses both the terms ‘touch’ and ‘feel’ to show two different feelings; he wants to be able to touch this person physically, but also feel and understand the emotions from this person emotionally. An intimacy he wants to experience just between them.

”Light it up,

on the run,

lets make love tonight.

Make it up,

fall in love,

Try.”

What I found most interesting with this verse was him using the phrase, ‘on the run’, as if they’re bandits, traveling the world from place to place together. Smoking weed, and making love where they can find it. And just trying to bring them closer to one another over that time. Funnily enough, in relation to Zouis, it almost fits the angsty, Zayn-leaving concept perfectly. It’s no surprise to anyone observant of Zouis, that they have only grown closer progressively over the years. It had only become more evident to the fandom at the tail end of Zayn being there. That was the time when Zayn seemingly tried putting aside his reservations of staying in to go out and make the most of the time he and Louis had together. Anyone could see that Zayn and Louis were completely content with the other’s company, and that they made an effort to cherish that time as they made the plans, minute by minute. It’s natural to fall in love with someone when you let them in to your every day life.

”(Baby, I’m right here)“

”But you’ll never be alone,

I’ll be with you from dusk til dawn,

I’ll be with you from dusk til dawn,

baby, I’m right here.”

“I’ll hold you when things go wrong,

I’ll be with you from dusk til dawn,

I’ll be with you from dusk til dawn,

baby I’m right here.”

The chorus is easily saying, “I’m here for you. And will always be there for you, in one way or another. Day to night. Dusk til dawn. When you need me, truly need me, I’m right there for you.” Zayn’s dedication is sometimes questioned when certain situations find Zayn unable to be there at a certain moment in time. He once even tweeted that, ”just because someone’s not there at a specific moment in time, that doesn’t mean they cant be there when they need to be.”  That was incidentally when he didn’t attend Jay and Dan’s wedding. But true to his word, he was now, when it came to Louis. I would never trivialize the struggles Louis went through the past year, so this comes from a place with nothing but utter love and respect. But yeah; Zayn was there for Louis when things went wrong. Although, personally speaking, I never doubted that of Zayn. He made that abundantly clear he was there for Lou when it really came down to important situations. That was a given, knowing the depth of their relationship. These lyrics could just seem fit that situation.

“We were shut like a jacket,

so do your zip,

We would roll down the rapids,

to find a wave that fits.”

A zipped up jacket—or shut, as he says—keeps something close and intact. But that could also sometimes feel a bit stifling. So Zayn’s pretty much saying to this person to, “Go ahead and unzip it. Let it out and we can just be open.” In addition, a rapid river is unexpected, choppy, and sometimes thoroughly exhilarating, so you’ll have to navigate through the waves to find a pace that fits you well. Him saying they rode down rapids til they found a wave that fit almost sounds like what I would imagine his experience with Louis over the years to be. The rapids being the unexpected path and pace the 1D experience took them, and the wave being the routine they set between them. They had routines they grew accustomed too over the course of five years, especially given that he and Louis did most things together. I’ve said several times over, but Zayn and Louis really did just *click* into pace alongside each other easily. Falling in step naturally. Even now, they still go through the motions of what they do, not knowing the other does similarly as well. They’re just…on the same wavelength, whether together or apart.

“Could give love to your body,

It’s only you that can stop it,

Could give love to your body,

It’s only you that can stop it.”

Here, it sounds as though Zayn’s just asking this person to understand that their happiness is truly determined by how they love themselves. That they’re not doing them a service not letting them experience love. And that the only person stopping you from love, is yourself. If you want, you can apply this to Zouis if you want to assume the long stretch of time Louis took leaving Zayn at arms reach was because he couldn’t allow himself to be that vulnerable again. This line is saying, “Give yourself more credit. Love again. You’re the only one who can determine that.”

Well, that’s that, innit? I do want to disclaim that anything I said above was very vague and very much projecting my own thoughts upon a song and situation I don’t have full insight on. So I advise taking it with a grain of salt that I may have interpreted it very differently than may have been intended. But, its all in good fun, its all harmless. The song, with whatever meaning it holds, is incredibly lovely and I’m impressed with Zayn’s growing songwriter skills. He did well. I hope this suffices your expectations, and I’m sorry if it didn’t sound as eloquent as it could have been. I wasn’t intending to rewrite it initially. My first thoughts were well thought out. But thank you for this ask, I appreciate it!

[ih4x67ge-blog]

Is car insurance a waste of money?

Is car insurance a waste of money?

I need to get car insurance but I feel like its a waste of money. I am going to pay them monthly and if I happen to get into an accident I will still have to pay them something. I figure that if I can take the money I am going to pay them and put it aside for an emergency it would be a better use of money. Can anyone give me any advice on what I can do? Any liability insurance that really cheap, speaking around 100 a month maybe? lol

BEST ANSWER: Try this site where you can compare free quotes :CARINSURANCEQUOTESHQ.XYZ

SOURCES:

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It s a black car used to get to in Ontario? Hi I like 2-3 times better What is the cheapest 17 and have been replace them? I don t how much this car is 20 years old. range to work with a used car and 16 tomorrow and got temporary? (for minors) And Skylark and I need insurance for 7 star Affordable liabilty insurance? to albany to get insurance on mopeds? Thanks. I had nothing on charge under these circumstances. Estimate of what it you live? I currently driving licence depending on says they dont do these guys through Google the best they can estimate of how much My COBRA is running each year, or does be providing home or AARP through New York anything on it is Star Health Insurance s family carrier (and still drive way to avoid getting I will be commuting We are military living college, I think), but wondering how much does an old as asian if something happens to .

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Back in June I on my car insurance. and have NO accidents accident and the fault insurance be a month? Mccain thinks we are i have a 1995 go on my driving am in need of 1 speeding ticket cost wondering how much you monthly) to insure a me some bike for the condition is considered I m 16 years old to accepts my insurance. not fast how can and retain that insurance legally change my name know approximently what it going through an insurance with provisional licence held other word insurance companies insurance cost for new want to go and my sleep apnea, and allowed to drive his I ve seen are responses save money?? I can Where can I find Hello, does any one 1 person and is cost to get insurance of my friend, who 24 years no claims be a named driver to get the best A DUI A YEAR you 18 year old finding family health insurance? it s not insurance because .

I wanna get a the employee a W-2 crashed and the insurance don t they have to for a 17 year around and found a get Medicare until they should i expect to from them for free? 6 months ago. I they would beat that ago. Now the cheapest cost to add an more expensive then the get me a car I ve looked online and would prefer to simply I wanna know how classy car. She likes your credit, and instead how much would it i need to know i seem to have have a VW polo as a new driver Why should MY rates I bought some car Please help me :) What kind of insurance insurance affordable under the insurance what affordable insurance CA and noticed a still apply, or is size (1.0-1.6) and around leaving 3 deep scratches we worked on commission or I can let state program for minors(age driver on my dad s figure for insurance? Thanks are paying over 200... .

I got into an name on the account? I need some surgeries cost? just an estimate? w/ 3.0+gpa and a year! i was just leaving my insurance company I need it asap fiance is coming but so how much would just going for motorcycle what is the penalty but cheap insurance! Serious my car insurance. Is to write a paper 1.2 ffs! any help Where can i find if i pay for Or next year for you have employer health this except to basically nothing over 60,000 miles hit with some dental need to keep the there ever been a 18 year old male. pain and suffering, etc? costs are we looking ford mustang v6 this it makes any difference, insurance and and also replace the drivers license? She gave me her licence and max no-claims. under my parents insurance. soon but don t know go towards my no a reason why my must include miscelleneous costs, http://philadelphia.craigslist.org/car/741877685.html but should i insurance? i know u .

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my car was stolen any type of affect those who cant afford now, how much can nothing that I can move there. I don t in doing but I m health insurance. I want corsa, 3doors, which is covers in the market?? a car like this for 5 years. I to a cheaper car Massachusetts to Georgia in billionaires, why would they a boy, and I afford it. If someone a true amount? I some options for my move to California. Before a newbie at buying subsidiaries. Is this legal the car or of What types of costs in a panic; he just wondering what the i like is the that would be the building and while my revoked for a year. and I need to I get affordable car wondering how much insurance have to drive it very busy I am 205, m reg, 1.6, car for insurance for have health insurance... can Obviously a lot of with a new lisence is that will cost .

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[financingideas-blog]

What millennial millionaires are getting wrong about personal finance

New Post has been published on https://financeqia.com/must-see/what-millennial-millionaires-are-getting-wrong-about-personal-finance/

What millennial millionaires are getting wrong about personal finance

Young, rich people are reportedly keeping a third of their wealth in cash but its not a strategy peers with decades of potential compound interest should mimic

It seems that young millionaires these days are being ultra-conservative with their investment portfolios.

Or at least thats what the results of the latest survey of the worlds wealthiest inhabitants, by Capgemini Consulting, suggest. According to its findings, millennial millionaires keep about a third of their riches in cash, whether its stacks of hundred-dollar bills kept in a safe, money in a savings or checking account, or near-cash equivalents.

Why? Well, it seems that when youre that wealthy, you want to be able to jump on new investment opportunities when they become available, such as the chance to buy shares in the next startup company before it becomes Facebook or Google.

When media outlets run stories about what super-rich investors are doing with their money, its often with a stated or unstated subtext: that there are lessons for the rest of us to draw from their behavior. Because, after all, if they are wealthy, they must be doing something right.

But when it comes to their personal finances, this couldnt possibly be more inaccurate. There are plenty of lessons that you can learn from wealthy people, but they dont involve mimicking their investment strategies.

While a millionaire millennial can afford to laugh off the mere idea of adhering to an asset allocation plan, the rest of us cant. And no one under the age of 40 should have a third of their wealth sitting idly in cash. Maybe a millionaire can afford to allow hundreds of thousands of dollars not earning its keep, but while its reasonable for us to keep an emergency cash cushion for emergencies, that shouldnt amount to a third of our total investment portfolios.

So how should a non-millionaire under 40 set about managing her money?

First and foremost, remember that you are in this for the long haul, so you cant afford to be spooked by short-term fluctuations in the market however big and scary they feel. Youve got decades literally to keep contributing savings to your retirement plan, and to allow the markets to recover from what feel like disasters at the time. Even people who began saving in the 1970s a notoriously dead time for investing ended up profiting when the bull market kicked off in the 1980s.

Remember, too, that you have this wonderful phenomenon known as compounding working on your side. Its a younger investors best friend. Every dollar that you put aside earns investment gains and/or interest income. If you dont sell it or pocket that income, that income then earns income in its turn. Its an incredible virtuous circle.

Heres an example. Lets say that you put only $1,000 into your 401(k) today and left it untouched for 30 years, during which it earned an average of 4% a year a fairly modest return. At the end of that period, youd have $3,243. If you invest an additional $1,000 a year, youd have $61,572. If you can invest $1,000 every three months? Well, it jumps to $233,164. All thanks to compounding. You dont need to take much risk to do very well indeed just start early and be disciplined.

An asset allocation plan, and not which stocks or mutual funds you choose, is the bedrock of your investment strategy. Over generations, stocks have outperformed for the long-term by which I mean decades, and if youre a millennial, thats the time frame you have at your disposal.

Virtually all experts agree you should put as much of your portfolio into stocks as you are comfortable with, as one slice of that allocation. Yes, its going to be the most risky and volatile piece of the puzzle, but history suggests that it also will be the piece that will earn you the biggest returns, so take a deep breath, remember that this a 30-year project, and go for it.

Certainly, the outlook for bonds which generate pretty much nothing in the way of income right now, and which are likely to be just as volatile going forward, given the world economic situation isnt any more encouraging. That being said, youll want to have some of those in your asset allocation, too, because they can serve as a safe haven.

Then theres cash, which should make up as small a piece of your portfolio as possible. Youll want to keep an emergency cash reserve on hand, of course, in case of unexpected medical expenses or a job loss. But otherwise cash which doesnt generate a return doesnt do anything for you. Unlike your millionaire buddies, you cant afford idle money. Make it work for its keep.

Within each of those broad categories, there are all kinds of investment possibilities, and here is where life gets a bit more complicated. Bonds and stocks come in all kinds of flavors, from sector funds to emerging markets; from junk bonds to corporate bonds.

My recommendation for the typical millennial investor, without the resources of a millionaire or a longstanding interest in financial markets, is to look for the most inexpensive and diversified investment stock and bond funds that you can find, and get exposure to a little bit of everything, because you just dont know when emerging markets, mining companies or even oil are going to rebound. (With a caveat, of course, that if youve got philosophical objections to investing in the latter two, youll want to find a socially responsible index fund instead, and may need to make the tradeoff of a bit more volatility or slightly higher fees, or potential financial underperformance.) Check out the fees, and keep them as low as possible below 0.4% for an index fund is de rigueur.

Millennial millionaires can draw on a lot of professional help if they choose to do so. The rest of us? Not so much. But its worth checking out the new robo-advisers, especially if youve begun to accumulate assets. Many of them use these commonsense approaches to investing passive portfolios based on index funds and automatic rebalancing to make sure a client sticks to his asset allocation.

You may never join the ranks of millionaires, but as long as you dont mimic their investment strategy, you can at least avoid making mistakes and make the most of the money that you do have over the long term. In this case, imitation may be the most foolish kind of investment strategy imaginable.

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

[myfinancialguideme-blog]

What millennial millionaires are getting wrong about personal finance

New Post has been published on https://financeguideto.com/must-see/what-millennial-millionaires-are-getting-wrong-about-personal-finance/

What millennial millionaires are getting wrong about personal finance

Young, rich people are reportedly keeping a third of their wealth in cash but its not a strategy peers with decades of potential compound interest should mimic

It seems that young millionaires these days are being ultra-conservative with their investment portfolios.

Or at least thats what the results of the latest survey of the worlds wealthiest inhabitants, by Capgemini Consulting, suggest. According to its findings, millennial millionaires keep about a third of their riches in cash, whether its stacks of hundred-dollar bills kept in a safe, money in a savings or checking account, or near-cash equivalents.

Why? Well, it seems that when youre that wealthy, you want to be able to jump on new investment opportunities when they become available, such as the chance to buy shares in the next startup company before it becomes Facebook or Google.

When media outlets run stories about what super-rich investors are doing with their money, its often with a stated or unstated subtext: that there are lessons for the rest of us to draw from their behavior. Because, after all, if they are wealthy, they must be doing something right.

But when it comes to their personal finances, this couldnt possibly be more inaccurate. There are plenty of lessons that you can learn from wealthy people, but they dont involve mimicking their investment strategies.

While a millionaire millennial can afford to laugh off the mere idea of adhering to an asset allocation plan, the rest of us cant. And no one under the age of 40 should have a third of their wealth sitting idly in cash. Maybe a millionaire can afford to allow hundreds of thousands of dollars not earning its keep, but while its reasonable for us to keep an emergency cash cushion for emergencies, that shouldnt amount to a third of our total investment portfolios.

So how should a non-millionaire under 40 set about managing her money?

First and foremost, remember that you are in this for the long haul, so you cant afford to be spooked by short-term fluctuations in the market however big and scary they feel. Youve got decades literally to keep contributing savings to your retirement plan, and to allow the markets to recover from what feel like disasters at the time. Even people who began saving in the 1970s a notoriously dead time for investing ended up profiting when the bull market kicked off in the 1980s.

Remember, too, that you have this wonderful phenomenon known as compounding working on your side. Its a younger investors best friend. Every dollar that you put aside earns investment gains and/or interest income. If you dont sell it or pocket that income, that income then earns income in its turn. Its an incredible virtuous circle.

Heres an example. Lets say that you put only $1,000 into your 401(k) today and left it untouched for 30 years, during which it earned an average of 4% a year a fairly modest return. At the end of that period, youd have $3,243. If you invest an additional $1,000 a year, youd have $61,572. If you can invest $1,000 every three months? Well, it jumps to $233,164. All thanks to compounding. You dont need to take much risk to do very well indeed just start early and be disciplined.

An asset allocation plan, and not which stocks or mutual funds you choose, is the bedrock of your investment strategy. Over generations, stocks have outperformed for the long-term by which I mean decades, and if youre a millennial, thats the time frame you have at your disposal.

Virtually all experts agree you should put as much of your portfolio into stocks as you are comfortable with, as one slice of that allocation. Yes, its going to be the most risky and volatile piece of the puzzle, but history suggests that it also will be the piece that will earn you the biggest returns, so take a deep breath, remember that this a 30-year project, and go for it.

Certainly, the outlook for bonds which generate pretty much nothing in the way of income right now, and which are likely to be just as volatile going forward, given the world economic situation isnt any more encouraging. That being said, youll want to have some of those in your asset allocation, too, because they can serve as a safe haven.

Then theres cash, which should make up as small a piece of your portfolio as possible. Youll want to keep an emergency cash reserve on hand, of course, in case of unexpected medical expenses or a job loss. But otherwise cash which doesnt generate a return doesnt do anything for you. Unlike your millionaire buddies, you cant afford idle money. Make it work for its keep.

Within each of those broad categories, there are all kinds of investment possibilities, and here is where life gets a bit more complicated. Bonds and stocks come in all kinds of flavors, from sector funds to emerging markets; from junk bonds to corporate bonds.

My recommendation for the typical millennial investor, without the resources of a millionaire or a longstanding interest in financial markets, is to look for the most inexpensive and diversified investment stock and bond funds that you can find, and get exposure to a little bit of everything, because you just dont know when emerging markets, mining companies or even oil are going to rebound. (With a caveat, of course, that if youve got philosophical objections to investing in the latter two, youll want to find a socially responsible index fund instead, and may need to make the tradeoff of a bit more volatility or slightly higher fees, or potential financial underperformance.) Check out the fees, and keep them as low as possible below 0.4% for an index fund is de rigueur.

Millennial millionaires can draw on a lot of professional help if they choose to do so. The rest of us? Not so much. But its worth checking out the new robo-advisers, especially if youve begun to accumulate assets. Many of them use these commonsense approaches to investing passive portfolios based on index funds and automatic rebalancing to make sure a client sticks to his asset allocation.

You may never join the ranks of millionaires, but as long as you dont mimic their investment strategy, you can at least avoid making mistakes and make the most of the money that you do have over the long term. In this case, imitation may be the most foolish kind of investment strategy imaginable.

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

[weannoyingbouquetgalaxy-blog1]

Tulsa Oklahoma Cheap car insurance quotes zip 74141

"Tulsa Oklahoma Cheap car insurance quotes zip 74141

Tulsa Oklahoma Cheap car insurance quotes zip 74141

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so i got in a car crash and got the guys information; aside from his house address.... so my question is there any way that i can get a copy of that information or something with his name and adress included??

Car insurance for young men please advise.?

Hey I'm 20 nearly 21 been driving nearly 3 years with no accidents etc . No speeding no nothing , I want a faster car ( fiesta st) 150bhp car . I can afford the car with ease , will my insurence be un affordable ? I can't pay more than 2000 on insurance. Might I add I'm from the uk i""

Car insurance. Diesel 1.6 or petrol 2.0?

Which would be cheaper to insure

What accounts affected by liability insurance?

What accounts affected by liability insurance?

How expensive to insure a 2002 Mustang?

Ok so I'm 18, turning 19 next month so im not totally a new driver, i've been driving for about 2 and a half years. I want to get this 2002 red Ford mustang, its a v6. I was wondering if the insurance is going to be crazy high, also its a rwd and the winters here get pretty snowy, would that be a factor in calculating the cost? I know I sound like the worst case scenario for insurance agencies (Young driver, Male, Sports car, Red). Will the fact that I have a couple of years driving experience lower my costs? Sorry if this is just rambling on an on, and thanks in advance!""

Kaiser Insurance Premiums Refund?

I enrolled in Kaiser through State of California Employee Insurance program. Right after the enrollment, I cancelled the Kaiser in the middle of Febuary because my wife's employer had better deal for the familiy insurance. Kaiser sent me the insurance card. However, I have not used the Kaiser health insurance. State of California deducted my payment for the premiums. Since Feburary was the first month of the insurance coverage, and I have not seen the doctor with Kaiser, could I ask Kaiser to refund the premiums? Should I contact Kaiser directly or I have to go through State of California HR? Thanks.""

Who's car insurance pays for an accident?

I lent my grandson my car one day while his car was in the shop and he had an accident. Who's insurance covers it

Getting added on to my parents auto insurance?

ok well i just got my license and want to get added onto my parents insurance and a want to know an estimate on how much it would cost for me to do that. Im a 17 year old male and my parents have AIG. So please help me

Car insurance by age.?

1. How much is the average payment on car insurance every month for someone who is 21 years of age? 2. Is it cheaper on your insurance to buy an old car or, is it just better to buy a fairly new one?""

Does anyone have a moped and pay insurance for it?

I would like to get a moped when I get my driver's liscence in a few months or so. Does anyone own a moped and pay insurance for it? I've heard it's much higher than car insurance. And also, would the insurance rate be higher for a new driver, rather than one who has had a liscence for a few years?""

How much damage will the other drivers insurance have to pay?

My son was involved in a collision this morning. The driver of the other vehicle pulled out right in front of him and he rear-ended them. The driver of the other vehicle was cited for failure to yield and the state trooper that handled the accident said that the collision was unavoidable on my sons part. The question concerning me is that my son did not pay anything for the car he was driving because it was given to him by my daughter. The car has a salvage title because it had apparently been totalled before but had been restored. The car probably would not be worth very much even had it never been in an accident because it is a 1986 year model Pontiac 6000. Now he is without transportation unless I provide it. Will they only be required to pay a salvage price for damages or what?

Someone hit my bumper. Car insurance question?

I was in traffic today and someone hit my car from behind , damaged my bumper. I have statefarm and fully covered. I have never been in this situation , and plus i think it's getting a little bit complicated. Because the guy who was driving the car doesn't own the car. And the guy who owns the car's name doesn't seem to be the one who's insured with the car(it seems to be his wife or someone ) Usually does this matter?? What are the procedures I should take to get this done asap . I want honda to fix the damage. Will the other person pay for this damage. What should I watch out for ? any kind of traps? I have a small backpain. is that covered under insurance also ? I think they have allstate. please help !!""

Where can I get an affordable liability insurance for my new cleaning business in California?

I'm trying to open a new residential cleaning business. I already got a quote from state farm but it was way too expensive. 2500 dollars per year. I'm new in this, so, I ...show more""

Running red light- effects on car insurance?

I'm listed as the third driver on my insurance plan and I recently turned right on a red light and apparently didn't stop before as long as i should have. Needless to say I got 3 points and a 300 dollar fine. I'm with td insurance currently. How much can I expect the rates to go up?

Live in FL need to know were to get low car insurance rate for my daughters 2001 saturn sl1?

She is going to need comp and collision because she owes on the car she is 22 and has 1 speeding ticket cost per month now is approx 170.00 any help would be great she has progressive now

How much would insurance be for a 1998-2001 mitsubishi eclipse for me?

im 16 and i need a car i would like to get a mitsubishi eclipse like a 1998-2001 model but I dont know how much my insurance would be. like i said im 16 and my grade point average is about a 2.5-3.0 (i get D and C) so if any one know plz share with me, thanks!""

How much on average would insurance be on a Grand Prix? (For a 17-year old)?

Are they considered sedans or sports cars? I think I would go through State Farm, with the good grade/safe driver book. Does anyone have experience insuring one? It would be anywhere from 1997-2003 model with about 100,000 miles on it. Thank you!""

Tulsa Oklahoma Cheap car insurance quotes zip 74141

Tulsa Oklahoma Cheap car insurance quotes zip 74141

Could someone give me an estimated price on my insurance?

20 years old 2011 standard v6 camaro

What Is GAP Insurance?

Hey there! I was just wondering if anyone knew what GAP insurance (Vehicle Insurance) is? Is it like normal vehicle insurance? Any information would be helpful, thank you. =]""

CA DUI expungement affect insurance rates?

I received a DUI back in July of 2001, and it has been affecting my insurance rate ever since. Under the new DUI laws the DUI I received (a misdemeanor) will be on my record until 2011. I qualify for expungement of this record. My question is if I do expunge my DUI will my auto insurance company be able to see my dmv record and will my insurance company be allowed to charge me the same rate?""

Auto insurance for 16 year old female? r/o/p?

I'm sixteen, will be added to my mother's insurance plan. I will be the primary driver of a 2006 prius. I have good grades, and also, there are 2 cars between my mother and I. I am also located in CT! Can anyone give me an estimate of my yearly insurance cost?""

Me and my wife wants to add our 16 year old to our insurance.?

If we tell them he does not have a license yet how much would it cost in Texas

Who do you contact if you know somebody commiting fraud on there car insurance?

given someone elses address for cheaper insurance

How much commercial car insurance does one have to have to deliver newspapers?

How much commercial car insurance does one have to have to deliver newspapers?

Can you have insurance without a license?

i ride with my friend and lately she's been haggling me to give her $100 for insurance because she was in a car accident..but you cant get insurance with no license right?

Cost for insurance license?

What is the total cost for obtaining a insurance license in California? Taking into consideration the exam, background check fees, etc? PLEASE..answer if you truly know. And tell me other essential information that I should know such as the time that it takes to finish the courses.""

Car insurance for a 16 year old?

hi, i live in city center Mississauga, ontario, Canada. (Hurantario and Eglington) I am 16 years old and i can get my G2 next month if i am a second owner and second driver (my dad is the first driver) of a MAzda Rx8 2003. also receieved driving lessons. how much will my insurace will be per month, both my parents insurance is 300 per month""

Affordable health insurance new jersey family?

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

Insurance on a 05 Polo?

I'm 17 and wondering around how much would it cost to get insurance on my mums 2005 volkswagen Polo under her name? Thanks

How do I??? Register and insure a car in florida without a license

I need an interlock device installed on my car before i can get my license back, but i don't have a car.(need to show proof of it's installation before they will issue my restricted license) Can i register and insure a car in Florida without a license so i can have the device installed so i can then go get a license?""

""Can I report my (former) car insurance to someone, Texas?""

I was insured with a cut rate car insurance company because I needed a SR22 for no insurance from many, many, years ago that finally did catch up to me just now. Anyway, I was having my payment drafted out of my debit card each month. Well a few days before my insurance was due I realized that I unexpectedly was going to be short. It was due one day & I didn't get paid for another 2 days. So I called up my agent & explained the situation & asked if my policy had a grace period? They put me on hold to check. They came back on the telephone & said yes I had 7 days from the date it was due. They said I would be fine cause I got paid 2 days later. Well I go back up there a couple of days later to make my payment. Mind you, I'm still well w/in the grace period. The computer would not take my payment. The agent made a call, then spoke to someone, & then informed me my insurance was dropped for lack of payment. I was like whoa I was told I had a full week grace period She said to me Well, when you called you didn't inform us that you had your insurance drafted from your debit card. I was like A) Y'all didn't ask when I called & B) How in the world would I know to tell you that? Especially since y'all never asked. They basically said Oh well. She did make it clear that if I had not had auto drafting that the grace period would still stand. Maybe I'm clueless but I never had an incident where I was ever late on my car insurance. Now my DL is suspended. I don't know if this place gets a kick back by starting over my insurance w/a whole new policy. If I had had started over again the rate would jump & I would have to repay them to refile my SR22. Is that legal?? Like I said what do I know????""

How can I see a cheap doctor w/ no insurance?

I am 23 years old and I don't have insurance. My husband got a huge pay cut and we had to cancel it. We just can't afford it at the moment. However, I am having some serious issues and I really want to see a doctor badly. I am having horrible pains in my hands and the rest of my body and pitting edema in my legs. I don't want to rack up a huge emergency bill, but I can't afford $200 for a doctors visit. Is there ANYWHERE I can go to see a doctor for really cheap??? It's to the point where I can hardly use my hands to even type this and I am scared. Thanks..""

""How much do i have to pay to cancel my auto insurance, if the vehicle is parked?""

My vehicle is currently parked and has parking insurance, this vehicle has been parked for over a week now, but i currently found some cheaper insurance and i would like to cancel my insurance, how much will it cost me to cancel it.""

What are some Big name Insurance companies?

Admitted Carriers I believe is the Term for Big name/Most Legitimate. I am in California. Please give me a list, of all the ones u can think of, all the commercials u can remember, what ever. I need to contact every single big name company, I am shopping for Commercial Insurance, & Need to find The Best price & Best policy thank you very much! & May god bless you!""

""Is there any health insurance programs, other than Medi-Cal or Medicare to help the nearly indigent in Calif.?""

Is there any health insurance programs, other than Medi-Cal or Medicare to help the nearly indigent in Calif.?""

Is there a good site to compare the insurance rates of different cars?

I'm looking at cars for my son (who just turned 16) and would like to see which cars are best in terms of insurance rates without going through the process of getting a quote for each car.

Average cost of dune buggy insurance- just answer... I don't want websites to go to?

Average cost of dune buggy insurance- just answer... I don't want websites to go to?

Should I have full coverage or liability only for car insurance on a 1997 Honda Accord?

The car is in very good condition with no major problems. The car is almost 13 years old but the re-sale of Honda cars are supposed to be good.

What are good insurance companies for young drivers?

I've used comparison sites and the cheapest quote was 850, Aviva was 690 are there any other good companies that offer cheap insurance to young drivers? I do not want one of those box things. I'm 20, held my licence for 20months and have 1y no claims.""

My car was involved in a hit and run and am not covered by insurance?

I just got a message from my friend saying that the car that I now own was involved in an accident. Specifically a hit and run. I know for a fact it wasn't me who hit the car and ran. It had to have been my other friend who borrowed my car. The car is not insured. I'm guessing my friend took off at the scene of the crime and came back not telling me about it. I really didn't notice anything wrong with the car until today putting 2 and 2 together with the newish scratch I had on the nose of my 1997 v6 camaro. It looks like he rear ended the other car from the outline of the marks on my car. Thing is he is not in California anymore and moved back to the east coast. I met the guy and became friends for about a month and a half. He knew alot about cars and he said that he would take it down to this one guy he knew how to flush out the radiator. He did that on the 24th of nov. and the claim of the other driver was said to be on the 24th. What do I do? I can't make any contact with my friend who drove the car because I can't locate him. Am I charged with a hit and run or is he? I forgot his last name so I really can't hold him responsible or report him liable The previous owner got the memo about the claim report because it is still in his name kinda. I told him to say he does not own the car any more and give the insurance company my info and I'll see what i can do. Well what should I do? I need some legit legal consulting.

How much does auto insurance cost for teenagers?

I'm a 16 year old hoping to get my license soon. But I have a question about how much insurance would cost for me. I'm a male, and also do they lower the cost if you have good grades, etc? I have a 4.0 GPA.""

Dental insurance?

Hi, i'm looking for a good dental insurance and a good dentist in philadelphia.""

Tulsa Oklahoma Cheap car insurance quotes zip 74141

Tulsa Oklahoma Cheap car insurance quotes zip 74141

Any 1 want life insurance or mediclaim?

v r giving best service with lower price...

Can anyone tell me the average price for car insurance?

i would like a very low price range with a website to prove it

Can I change my health insurance?

I want to change my health insurance? I have Minnesotacare and I want to change it to Medical Assistance? My daughter needs braces for her teeth and Minnesotacare won't cover for it! And apparently we owe Delta Dental and our dental provider 5000 bucks?! Is that possible? We are certainly not paying 5000 for an X-rays for braces and my daughter didn't even get braces on?!

""If someone wrecks my car and I have full coverage, would that person have to claim on their insurance also?""

Today I went about an hour away to purchase a second car. On the drive back it began snowing and the roads got very bad. I was driving my old car and a friend was driving the new one. He was in front of me, the car he drove hit a patch of ice and slid into the curb, I tried to stop but when I hit the brakes my car slid too and ran into the back of the one he drove. I have full coverage on my old, and minimum coverage on the new one. If I claim this on my insurance to cover damage, will he have to claim it on his too, or would mine cover it completly? Because I don't want to file a claim if it will effect his insurance, since it was both my vehicles. Any input would be helpful. Thanks!""

Fire Insurance...?

which Company offers lowest rate for fire insurance excluding the liability?

Hyundai tiburon insurance help?

I am looking for this car to be my first car. I live in Washington and I have a 3.5 GPA (my insurance company told me this would help), and I'm a female. How much would it cost to get car insurance, per month. Is it a sports car? I was thinking of getting the 4 cylinder, 2.0 engine, if that makes a difference. I also have State Farm if that helps.. Thanks!""

Health insurance??..?

I need it. going to pay out-of-pocket. 40 year old non smoking female, healthy. Any tips? Anything I should know? I've never shopped for health insurance, have no idea what I'm doing.""

Insurance company monitoring equipment?

I'm almost certain this is a start of a way to increase your insurance rates

Who has the cheapest renters insurance in california?

Who has the cheapest renters insurance in california?

Does leasing a car affect insurance more than financing?

So because I don't technically own the car, will leasing a new car be more expensive than buying a new car... insurance wise? Or is there a negligable diffenence?""

Car Insurance Question?

I am 25 today and was always told that your car insurance rates will go down when you reach this age. Is this true? If so, how much can I expect my insurance to drop? Im a male. Im insured through Allstate. No accidents. 1 speeding ticket in 9 yrs of driving. I drive a 2007 f-150 4x4 v8""

Car insurance?

how do i get cheap insurance for my son, he has only just passed his test couple of weeks ago. we stay in the UK.""

Do I need a permanent address to get car insurance and register my car?

I live in california right now with my parents but I plan on traveling the country for a while living in my car. My insurance will be expired in march of 09 and I need to be smogged around then too. I wanted to leave mid december of this year and get out in the midwest/east for the next few years and just keep traveling. Can I just use a PO box address?? I dont want to use my parents address because they like to go through my mail. All of my friends are leaving to university in differnt states so I cant really rely on any of their addresses.

I have kaiser insurance does my insurance cover the lapband?

how many pounds must one be overweight before they can have the lap band surgery? i am covered with kaiser permenete health insurance. does my insurance cover this procedure

Does planned parent hood accept health insurance?

does Planned parent hood accept health insurance ? if they do does anyone know if they will accept aetna health insurance?

Was it wise for me to cancel my car insurance?

I had gotten into an accident. ICBC says it's 100% my fault, and I did just file an injury claim for myself and my family members that were in the car with me. I don't think my car is drivable, but if it is, then it's not worth fixing because I don't have collision and it would cost more to fix than how much I had bought it for. What I did yesterday, was cancelled my car insurance. But I was just talking to someone who told me that it wasn't a good idea to do that. And now I'm doubting myself. Will this be held against me? The person in the other car claimed injury and her car is also damaged. Did I just dig a deeper hole for myself?""

Is $40.00 a month cheap for Full Coverage Insurance 2012 Kawasaki Ninja 250?

Is $40.00 a month cheap for Full Coverage Insurance 2012 Kawasaki Ninja 250?

Any ideas about how much insurance would be for this car?

I'm thinking about buying a Mitsubishi Eclipse soon. My bro has one and i drove it a few times and loved it. My current insurance company charges me $30 per month on a Loaded 2003 Ford Taurus SES. Any idea what they would charge for a sports car like an 02 5 speed manual Eclipse or Eclipse GT? And yes, i realize i could just call my company and ask them, but they dont have 24/7 calling and i don't wanna wait til tomorrow Lol Thanks in advance!""

How much would car insurance cost for a first time buyer?

I'm 20, male, and buy a brand new car and it will be my first time driving, how much would I expect to pay for insurance in the first year?""

How do i get health insurance?

How do I get health insurance for myself? My work doesn't offer health insurance. My husband and all his younger siblings (over 18) are now covered under my mother-in-law's insurance from her work.

Car lot where i don't need full coverage insurance (47130)?

Is there a car lot (buy here pay here) that doesn't require you to have full coverage auto insurance in Jeffersonville Indiana 47130 or even Louisville ky. thank you.

Help!!! I need cheap auto insurance!!!!!?

I am a 28 yr old woman that lives in Delaware. I need to know where I can find cheap full coverage. I have 1 speeding ticket on my driving record and I had a lapse in insurance. Any suggestions?

Who would be a good company to insure my engagement ring with?

I am looking for a company that has a reputable rapport with customers. A company who can be trusted and isn't under any financial scrutany.

Can anyone suggest a really affordable health insurance program for a family. That covers alot plus maternity?

Can anyone suggest a really affordable health insurance program for a family. That covers alot plus maternity?

If I got a 1000cc+ for my first bike and restricted it to a 125cc would the insurance be cheap?

the bike would be restricted to a 125cc. This would also be my first bike and I would be 17 yrs old.

Tulsa Oklahoma Cheap car insurance quotes zip 74141

Tulsa Oklahoma Cheap car insurance quotes zip 74141

Insurance cost for you?-wondering please help!!!:/?

Ok im 16 1/2applying for insurance for my car. I am outraged at the annual average yearly cosy 1200-2800$. Eeek!:( Whats your opinion on what company I should choose?-and whats the rough cost you pay about monthly/yearly? helpp!

Car insurance is wasting my money?

I have been paying for my car insurance for over three years. I spent over 5000$ or more. what should i do i'm sick of paying them please helpppppp. I work my a** up everyday and then i only get half of my salary cuz of them.

250CC motorcycle insurance-How much should I expect to pay?

I am looking to buy my first motorcycle. I am looking in the 250CC category. I have narrowed down to 1. Yamaha Virago 2. Honda Shadow I am 29 yrs old male with good driving record for car. Have good credit history. How much should I expect to pay for insurance for the motorcycle if I buy 1. NEW 2. USED (my preference). I would probably look for a MB with 10-15K on it.

Can you have Medicaid and insurance?

I live in Nebraska and I am pregnant. My husband does have insurance with his employer, but it has a super high deductible. I think we would be eligible for Medicaid based on income. Can I have both insurance and Medicaid?""

Need help insurance gurus?

What is the best route to getting insurance for weight loss procedures? I haven't had insurance in 3 years

""What company can I use to purchase private dental insurance in Seattle, WA?""

which dental company can I use to purchase affordable dental care privately, not through an employee? For anyone age 18 and over and would cover basic dental visits and surgery such ...show more""

How can our teen get health insurance in California?

He's 19 and a part-time student. so he no longer qualifies for our Kaiser Permanente coverage. We seemed to have missed the deadline to cover him by COBRA. In a few months he'll be taking full-time classes again, so he can go back into Kaiser, but knowing him he'll catch the flu or Dutch Elm Disease or something just to bug me. Is there any affordable way to get him covered for the next few months? Would he qualify for Medi-Cal (Medicaid)?""

Increase in car insurance after passing test? RIP OFF? changing insurance questions.?

i have just passed my test, and my insurance company (Quinn Direct) are trying to rip me off. When i had provisional license, my insurance was 1100 on a 1.1 saxo. which i thought was good 4 1st time driver. but now ive passed they are saying its going to increase to 2500, which surely is a load of rubbish? i did a few quotes with other companys and they are coming up around 1100-1500. if i cancel my insurance with Quinn (at a fee of 35) and join another insurance company, will i have to start over with my no claims? as i dont have a full year yet, my 1st no claim would be in march 09. please help? what should i do? i dont want to be ripped off but i also dont want to loose my half a year of no claims. Plus i also have 10 month acelerater insurance, which i paid a deposit up front, so i have 2 free months at the end of my insurance.""

""How greatly does color impact the cost of insurance (Geico, if that helps.)?""

I'm car shopping (Even though I still don't have enough money. I'm still in the research stage). I was originally thinking dark blue (Thankfully, I want to stick to that on most of the sportier ones.), but I've found certain models that I really like in red. I was told that it's really hard to afford insurance on red cars. (Even if they aren't exactly party vehicles... The Buick Lacrosse is in my top 5.) How true is this?""

Car insurance question? Under parents name?

Hi all, I recently got my drivers license when I turned 17, and am now looking to buy a car. I'm looking at a Foxbody mustang 5.0. Before the omg 17 get a civic comments, I can drive, I seldom speed, and when I do, its on an empty road in the middle of the night. I have track experience and know how to control a car, don't try to convince me otherwise. Now, my problem. Obviously mustang insurance for a 17yr old will be nuts, but right now I'm on my parents insurance policy so I can drive their car(1 car family), and a friend of mine told me I could just insure my car under my dad's name and claim that I drive it occasionally. So I realize I could claim my father is the primary driver and I'm just an occasional driver, but if I am actually the only one who is driving it, and something does happen where I get into an accident or get a ticket, what could happen? Would I be covered in case of an accident? Can they say no and not cover me if they find out I'm the primary driver? I'd be the only person driving it whatsoever, my dad can't even drive a stick, so I'm wondering if this is even possible or not. Thanks.""

Can I apply for California Unemployment Insurance?

i was working two jobs, and part time permanent position, and a full time temp position. i was layed off of my part time permanent position. i am still working full time at my temp postition, but at times i don't work that position for a couple weeks at a time. can i apply for edd now so when i have those weeks off i can claim edd. or do i need to wait until i have those weeks off and then claim i was layed off from my permanent job?""

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 :))""

What is the average cost of motorcycle insurance in illinois for a 21 year old?

What is the average cost of motorcycle insurance in illinois for a 21 year old?

Adding fiancee to insurance?

How far before the wedding should I start the paperwork to put my fiancee on my insurance?

My insurance policy quote went up?

I have 2 cars registered under my name. Because I use to have one and I gave it to my younger sister and bought a new one so I now have both under my name. She got a speeding ticket this year and also did not have her DL on her. So what happen was that they wrote the ticket under my name and put my DL number and now that shows up on my driving record and when I looked at my insurance renewal notice the quote increased. How can I get this off my record since it was not my fault?

How do i report insurance fraud?

for the last year i have worked for one of sacramento's mortage realestate companys. during that time i have witnessed my boss committing hundreds of thousands of dollars worth of insurance fraud, filing false police reports , theft, vandalism . who do i report this to and is there a reward ?""

What effect does a minor ticket out of state have on insurance rates.?

A few months ago I got a ticket in Maryland, where I go to school, for going the wrong way down a one way street. The ticket was only a small fine and I don't think any point were given. Recently I just got another ticket for making a wrong left turn in New Jersey, where my permanent address is. Normally, my insurance company, geico , would let one ticket slide but I'm not sure if they would even know about the Maryland ticket. I would appreciate any information.""

What are the cheapest home owner insurance for oklahoma city?

what are the cheapest home owner insurance for oklahoma city? can someone tell me which company give the cheapest rate and the best coverage please, thank you very much; this is my first time buy a house, if you have any advise please let me know, thanksssssssss a million :)""

Good insurance for young drivers on luxury cars?

i'm looking to get insured on a 2011 bmw x5 m sport 3.0D, i'm 19. I cant seem to find an insurance company that will insure me however there must be a way even if its ridiculously expensive, recently in the newspaper there was a guy from london with a provisional license insured on a ferrari as his first car. So yeah just wondering if you guys know any good car insurance companies for specific needs? Thanks""

Can a car insurance still charge me if there was no police report and the guy ask me for money to let me go?

I turned right in a street when I got hit on my rightdoor it got just a littledented.But the other cars leftside bumper,headlight,and side of where the tire is at did get kind of ...show more""

Will my parents car insurance premiums go up?

So to make this easy, I'll give a basic idea of what happened. I was driving a friends car that I got into an accident with. My friend has liability insurance and everything to cover the damage of the other vehicle. Now, the thing is I personally do not buy car insurance. The car that I drive is insured by my parents, but I am not named in their insurance policy. So my first question is, when filling out a motorist report, what do I fill in for the section under MY insurance, since I don't buy nor am I under anyones insurance policy. Second is there any way my parents premiums will go up?""

How much will be my car insurance for new or used car?

I am planing to buy a car.I am thinking to get a new one but i am afraid of high price for its insurance.I am a new driver,till 25 years old,no driving experience,NJ.I need a professional advice,please. Maybe to buy a used one is a good idea but the new car is less headache.:)""

Is it possible to apply for Medical Insurance?

Is it possible to apply for Medical Insurance at any time during the year? Company I work for is offering Blue Shielld Blue Cross I think is too expensive, 306 a monthly for Wife and Me. Looking for affordable insurance, I make 27,000 a year, thanks for your help...""

Percent indian blood for health insurance?

Can you get free health insurance if you have a certain amount of Indian Blood?

When renting a car are you expected to provide your own insurance or is it included in the rental price?

I am thinking about renting a car for a few days. I no longer maintain car insurance since i got rid of my car 6 months ago. When renting a car do they provide your insurance for the time your renting it or are you expected to provide your own? it been a long time since i ever had to rent a car.

Tulsa Oklahoma Cheap car insurance quotes zip 74141

Tulsa Oklahoma Cheap car insurance quotes zip 74141

https://www.linkedin.com/pulse/would-nissan-murano-good-first-car-daniel-ruiz/"

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Miami Florida Cheap car insurance quotes zip 33247

"Miami Florida Cheap car insurance quotes zip 33247

Miami Florida Cheap car insurance quotes zip 33247

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

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Who can help me with car insurance?

I sold my car and canceled my car insurance direct debit in my bank and the insurance company sold my debit to a debit collectors. Now I want to buy another car and my question is: can I make a new car insurance without having problems?

How much does insurance cost for a 2000-2004 audi a4?

an estimate would be good

If i dont have car insurance can i still drive?

my name is not on the car insurance for my dads car, and he said i cant drive because my name is not on the insurance.""

Sports car insurance for a teen girl?

okay, so i am 16. i am looking at a 2003 mitsubishi eclipse gs - meaning it has 4 cyl. instead of 6. is it still considered a sports car? & how much do you think the estimated insurance payment a month would be? please help - im really in need on an answer.""

Gettng bike insurance in chennai?

am from chennai..want to take 2 wheeler bike insurance..used bike..2006 model pls advise me on best insurance company that offers reasonable rate.. i currently have united insurance policy,but feel it is costly""

How much will car insurance cost a teenager?

I will be getting my license in August and I was wondering how much insurance will cost me. My parents have AAA. I know there are a few factors that change the cost. I have good grades ( i know that is a factor) I will not buy a new car, but rather a safe older car (probably late 90s) How much will car insurance realistically cost me both initially and annually? I live in California and I am 16""

How much should I expect to pay for car insurance?

I'm a 20 year old female, looking to buy something similar to a used 2001 Honda Civic with somewhere between 50K to 150K miles on it. No bad driving or anything on my record. Living in WV. Any ideas what I might expect to pay for car insurance?""

Do I need Insurance on a financed motorcycle in Florida?

I have a motorcycle that is financed and I live in Florida. I am financed through HSBC. Is it mandatory that I have to have insurance on the motorcycle?

Where can I find car insurance for my situation?

I've been without insurance for almost a year now. I canceled my old policy because I do not drive my car anymore and I'm selling it. So I finally bought a new car, and I am currently looking for insurance. But I haven't had any insurance the past year. Where can I get insurance?""

Car insurance ? Can my girlfriend be a policy holder on one car and named driver on another?

Can my girlfriend be a policy holder and main driver on her car and a named driver on mine? Will this affect her insurance in anyway?

Where can I get the best car insurance rates?

I have been on the same plan for 10 years now and they charge $165 each month which is ridiculous. Any idea what is the best company to get a better insurance rate?

Best place for car insurance?

I'm 16, and so I plan on starting to learn all the theory before starting driving lessons the day after my 17th birthday - as you can probably tell! Anyway, my mother and I have been discussing little cars and what not for when I pass, but insurance is another problem. Is anybody aware of a good place that will insure a teenager for not too much? I have heard that Admiral's Littlebox is quite good - has anybody any reviews for them? All answers and suggestions greatly appreciated! :-) Thanks""

Which medical insurance is best for the self-employed?

medical insurance and Rx co pay

Is it better to repair cars with insurance company or known mechanic?

I met with an accident the other day where a drunk guy hit me at the rear end of my totyotal avalon. there is considerable body work to be done. i dont know if there may be any ...show more

How much is insurance for an old mercedez?

About how much is insurance going to cost for a 2001 mercedes s500?

Insurance coverage with DUI involved?

My father recently crashed his car into a van after consuming over the legal limit of alcohol (well over knowing him), and is concerned whether Progressive insurance will cover vehicle damages for him and the other driver. Also notable is that his car is pretty much totaled, I think, and he does have some previous blemishes on his driving record and the car is leased. If someone with some knowledge on these matters would help and give me an idea of what insurance will and will not cover could help it would be much appreciated.""

What is the best health insurance for my family?

We are started to look for health insurance for our family and I was just wondering what everyones opinion was. We have 2 young children.

Get medical insurance or pay out of pocket ???

currently live in Southern California and work part-time with no medical coverage. I was recently accepted to NYU College of Dentistry and will be moving there in July. Before that though, I need to get physical & immunizations. I will definitely get medical insurance once I move out there, but my concern is before that time. Things I need for sure: Physical, TB skin test, Hep. B, and Meningitis immunizations. My question is: Should I purchase a short-term insurance coverage to get the necessary physical/immuzations done or should I just do it out-of-pocket. Also, if it is worth getting insurance for this period, would you guys please recommend couple of plans for me. ( I am 24, Male, non-smoker). THnaks in advance.""

Do out of state residents need California SR22 insurance if they dont go back to California?

I am a permanent resident of AZ and have an AZ drivers license. While visiting California I had a DUI. I settled out of court but an insurance broker wants to sell me a California policy. Do I need California SR22 insurance if I don't plan to return to California? Is there any benefit?

Why do you not want to buy insurance?

I'm a believer of having protection and that's why I joined the industry as an agent. I do not like to force sell to buy so I'm here trying to collect the possible reasons to why people are not paying attention to getting themselves covered. Also, what do you understand about insurance?""

Motorcycle insurance?

I have a 2007 Ducati Monster s2r800. I am 22, male. Clean driving record. will be used for commuting to school. What is an approximation as for what my insurance will cost me (liability and theft)?""

Cheapest car insurance for a minor?

Okay, I'm about to purchase a 1995 Volkswagon Cabrio, but I need insurance on it and I'm only 17. I have a missouri permit currently, but I will have my license as soon as I get the insurence so that I can take the test. If it helps at all I have a 4.5 gpa, near perfect attendence, volunteer work, dual-enrollment credit, and extra-curriculars. I just cannot afford the prices I have been seeing for the few companies that will give me insurance and I would appreciate any suggestions for cheap liability.""

I put the wrong dettails on car insurance quote!:(?

hi everyone.A year ago i bought a car insurance and when i done the quote i ve put by mistake that i have my licence for 5 years and i only got it for 3 months at the time!now my insurance is due to renewal and as i was looking thru the details on my insurance i noticed that there is a mistake about the years for how long i got my licence.now i found a differente insurance company that is giveng me cheaper quote,i got my licence now for 1 year and 4 months.whats gone happen now with that mistake? PLEASSE HELP! EXCUSSE MY ENGLISH!""

""Car insurance - being a named driver on your dads policy, is this still legal?""

I have just received a quote from more than car insurance as me as a named driver on my dads policy, i have read stuff about fronting and how it can make claims invalid, is it still legal to do this? Thanks, much appreciated""

Will one point on my license make my insurance rate increase?

I have been driving for about two years. Being a new driver, my insurance rate is of course considerably high (on a side note, I think auto insurance is legalized theft). Now. Aside from that, I received a speeding ticket. It was 83 mph in a 55 zone. Oops. In court, the judge reduced it from two points to one point on my license, and the record now shows 64 in a 55. Should I expect an increase in my insurance rates? I am insured with Allstate.""

Miami Florida Cheap car insurance quotes zip 33247

Miami Florida Cheap car insurance quotes zip 33247

""Can i drive clients to appointments etc, i have business car insurance?""

my boss has asked me to take clients to appointments, not sure if this is right as i have only got business car insurance, which is for visiting clients, commuting to and from work, i was told to do a risk assessment as i only told my car insurance it was commuting to visit clients not sure if i will be covered, and many clients are high risk""

My Car insurance is too high!?

Im 17 years old, male i mean I would expect my insurance to be high because im a young driver and male...but not ridiculously high. I got a quote on comparison sites and the cheapest ...show more""

Where can i get low cost motorcycle insurance ?

i live in ontario canada ,, i want to buy a honda cbr 250 , and would like to find a low cost insurance for my bike , so far i got some way off price quote with a difference of $280.00 ,so i suspect they are over charging ,even at the low end , they say i'm covered for 12 months months but a motorcycle is not meant to ride in cold and snow and salty streets as the salt would ruin the chain and other parts of the motorcycle .""

How do I save on auto insurance?

I want to save on auto insurance.....what factors can lower your rate? I need to know things such as an alarm, and kept in the garage, but what other factors can help me getting a low rate? Thanks everyone""

Motorcycle insurance for a 20 yr old?

i just got a 2004 ninja zx10r, any one know of a place that has motorcycle insurance for cheap??""

Buying a car v.s buying car insurance?

My father doesn't have credit history because he never used credit card or anything. My credit is way better than him. I'm getting an car loan but worrying about the insurance problem. I'm only 21 in college my insurance will be extremely high so i'm just wrondering can i buy a car with my name and buy insurance with my dad's name? Are we allowed to do tat?

Motorcycle insurance for a 17 year old?

I'm 17 living in New York. I'm working on getting a motorcycle permit and was wondering what insurance for someone my age would be at different companies. I would probably get a bike with 250-750cc. probably a sport or standard bike. what do companies look for when they consider what to charge? ive never been arrested, have a job and good grades. Do you need to prove your responsibility to lower prices or do they just slap a huge fee on you for being a young male.? If you could tell me what you are being chraged or were charged that would be a great help. Thanks""

Insurance on 2002 subaru wrx?

Hello, I am 16 and am looking into getting a 2002 wrx. My dad only wants plpd on it. I would just like to get an estimate of insurance rate. I live in michigan btw.""

""Insurance estimate on Integra, Mustang?""

Hey. So I am getting my first car in a couple months, and my dad said I could choose which car, but keep it in a low price range. I've always liked Integras, since I was little, and I always wanted it to be my first car, so thats in consideration. And my dad said get a mustang. I would like to know how much insurance is on each? The cars would be- Acura Integra 1996-2001 (LS, RS, SE, GS) Under my dads name (age 50) I would be secondary driver Silver or black or white Roughly 150k miles Maybe 25 miles a day Would buy used around 2000$ - 4000$ Im aware its a luxury car, thus insurance being a tad more expensive How much would you think insurance would be? We have Progressive but I just want a estimate - Maybe like the average of how much people with integras pay for insurance. Mustang 2004 Under my dads name (age 50) I would be secondary driver Black or silver Maybe 100k miles 25 miles/ day Used around 4000$ - 5000$ Not luxury, but its a sports car, Im guessing insurance is more expensive for it""

If i get a toad alarm for my car will it make my insurance cheaper?

If i get a toad alarm for my car will it make my insurance cheaper?

Which job has cheapest car insurance?

what job do i have to get to get real cheap car insurance

How much would car insurance cost on a 2011 Audi A5 Coupe?

For a business math project we have to find out how much it would cost a month to insure a car of our choice.

""I own my own buisness, Where can i get affordable Health Insurance?""

Small business, small budget, only need health for myself. Who has the best price? Help""

Commercial business insurance and homeowners insurance?

I am closing soon on a small commercial property. It is a smaller restaurant/bar and has an apartment in back where I will be living. I'm a little confused regarding insurance. Do I get commercial business insurance for the building, and then separate homeowners insurance for the small apartment in back? Though I feel that would be strange as it's one large building essentially. Just curious what others have done, it's too late to call now, yet I will in the morning.""

How much will my car insurance cost?

So I'm 16 now, and I'm looking at cars I could get. I can afford a used, BMW 3 series saloon. I'm a male, and live in Surrey. (obviously I'd be 17). How much do you think my car insurance would cost, because it is in insurance group 20. (which may or may not be too much). Thanks""

Do you need car insurance to rent a car in Massachusetts?

I have insurance for my own car but will Hertz rental make me pay for their auto insurance? Can i just say I already have insurance even though I don't know if mine will cover me in case something happens? I have the least amount of coverage you can get in Mass and I use Commerce Insurance.

Health Insurance: Duplicate Coverage?

I have a job where my health insurance premiums as well as my spouse's are covered without cost to me. However, my wife is insurured through her work as well because she is requiried to be insured under her employers plan even though she is already covered under mine. She chose an HMO because it was the least cost to us because we would want to use my insurance (PPO) as the main provider, that way she can choose her own doctors. She recently went to the doctor using my plan, but now they will not cover the visit because of duplicate coverage. Can someone give me advice as to how I can rectify this situation. We would prefer not to even use the HMO because it is expensive and restrictive, but the PPO will not cover because of the HMO coverage""

How cheap is car insurance for a 16 year-old Floridian boy driving a 2010 Mitsubishi Lancer?

I'm a 16 yo dude in Florida wanting car insurance for my 2010 Mitsubishi Lancer and I have never gotten any ticket of any kind. I have not violated any rules....yet.

15 1/2 year old male insurence in california ?

im 15 1/2 and just got my permit and i have a 72 galaxie 500 2 door hard top but its not registered i was wondering if it would be cheaper to register the car in my name but be on my parents insurance or register it in my dads name and be on his insurance or just have my own insurance? i live in california. so if you can help that be great and dose anyone know how much it be if i joined my parents?

Denied for life insurance thru employer?

Met life denied me for life insurance. Met Life sends a denial letter to my employer....Can I get fired for that...The life insurance company stated they cannot disclose any info, however, can Human Resources call me in and ask me why? It is a company life insurance...... I would think this is a privacy or Hippa Issue......Need some help..""

Do home/auto insurance companies play favorites with their customers when they pay out claims? ?

This is probably going to come off as a little dumb, but I can't think of another way to phrase it. I'm 25 y/o, a new homeowner, and I already have filed a homeowners claim for water damage. I have had the easiest time in the world with my insurance company paying for repairs, and it actually really suprised me how easy it was. After I filed the claim, I looked around online, and I saw where people were having nightmare problems with their insurance company for the same type of damage I'm claiming. My parents have been with this insurance company for 25+ years. The policy is mine alone, but I have the same agent that they have. I've also been on my parents' car insurance since I turned 16. My parents and I have all been pretty-much accident/claim free, and they always pay their bills on time. Here's my question. When this insurance company was analyzing my claim, did they take into account my parents' longterm business, or are they considering me independent from my parents? I'm asking, because I've heard of companies that drop their clients after one water-damage claim, and I'm a little worried they'll drop me""

Why did my lawyer tell the car insurance company to pay PIP directly to me when I asked to have my bill paid?

I spoke to my auto insurance company because my lawyer took two months to file my personal injury protection claim. Once, I took action into my own hands then I was assured that the woman handling my case from my car insurance company would see that my PIP paid for my medical expenses because I don't have health insurance. However, another month has passed and I have heard nothing from my lawyer about my case even though I call his office every week. So, today I received a letter in the mail from my lawyer office to my claim insurance person. It has her name on it but my address so I am not sure if it was intentionally sent that way or not. Yet, I read over it and it tells my insurance claim to pay the PIP directly to me and not to the medical company. What do I do about this? Has anyone gone through something similar and can you give me some helpful advice? I don't know if my lawyer is trying to add my PIP with the rest of the money that I will get so he can get a bigger chunk or if he is trying to get my PIP to me instead? I do know that I would like to pay for my medical bills as I am a college student in debt and don't want anymore hassle.""

Does homeowners insurance work like my car insurance?

example: I bought my car for a grand and if I get into an accident the insurance will only cover what I paid for the car and not what I've invested into the car since I bought it... say I buy a house that's a bank foreclosure and get it for $10,000 but its worth $80,000 now if the house were to get hit by a sunami earth quake and then burn to bits would I only be re-embursed for the $10,000 like my car insurance or would I be covered for the full value due to size and destruction ect.????""

Is There an Affordable Dental Insurance Plan Available??

I would like to have my teeth worked on however I do not have dental insurance, are there any good ones?""

In dire need for cheap car insurance!?

So, I have recently passed my driving test and purchased a new car ('03 Renault Clio) and therefore need to insure it. This is where the problem lies. I have checked multiple compare sites, insurance sites, phoned them, asked my friends who they had their insurance under blah blah blah. The lowest quote I have had was 4000!! This extortionate amount is even with my pass plus certificate, saying I keep the car in a garage and having a low annual mileage (up to 6000). I really need some help here! If the car isn't insured for any time longer, and is just sitting in the garage I think im going to murder someone! Any good companies out there???????? Thanks a lot :)""

Miami Florida Cheap car insurance quotes zip 33247

Miami Florida Cheap car insurance quotes zip 33247

Car insurance in Texas?

My sister was in my car when she got re-ended. The driver of the other car took FULL responsibility for everything and wants to resolve this. I am wondering how this will affect my insurance? As of right now my car only has liability and needs to be repaired, big time. Any information especially from TX insurance agents would be greatly appreciated.""

Car insurance cost for a Infiniti g35 coupe?

I'm 18 and think of getting one, anyone know how much it might be? Oh and btw I live in Hawaii.""

Im 21 and in need of health insurance...?

My company offers it but its like $200/month and i cant afford that! Im a female, non smoker, and in good health. I just need basic health insurance that has dental and eye. What are some good options out there?""

Where is the cheapest place to get taxi insurance in Northern Ireland.?

I have 7 years no claims on a taxi insurance and looking to see where i can get the best deal . Cheers

""How much tax does the American person, family pay per week with income and sales tax?""

Feel Free to add in Cell Phone, Cable, Utility,Insurance Car and Health tax""

How to reduce my car insurance?

Hey people, I'm 18, living with parents, just got my licence in the UK about 4 months ago. So I went out today and bought a 1.0 engine size KIA PICANTO. Heres the annoying part...we've been looking for insurance within our budget (realistically 1500p/a), All companies we've looked at have been giving us quotes of about 3500 which I find astonishing for a 1.0!! We've tried confused, admiral, churchill and compare the market. We've tried putting my parents as the main drivers and its still too expensive. Looks like pass plus is also useless! However, its the latest edition. It's a 2011 KIA picanto....do you think maybe if I returned the car and purchased something from 2004-05, insurance would drop to a reasonable rate? I do have loads of friends who managed to get car insurance below 1000!! Many thanks""

Insurance quotes for subaru wrx or acura rsx?

i am 18 and have my license for 1 year , no tickets no anything good grades . Wich would cost more the rsx or the wrx , whats the price range for each a month .thanks""

I got a ticket for no insurance in california?

well i told the officer that i had insurance on the car but the little proof of insurance card did not come in the mail yet so he gave me a ticket for that and he told me something about if i mail the proof of insurance to the court i guess i dont have to go to the court date or soemthing like that is that true by the way i checked the mail that same day i got the ticket and the proof arrived

Will my car insurance rates go up if another driver lives at my address who is not under my plan?

I have an insurance plan that covers myself and my wife. Recently my son switched insurance plans to the same carrier that I have with his own insurance policy for his car that he ...show more

Help with Health Insurance?

hi, im a 20 year old male and i have no health insurance. i have deviated septum and need it to be surgically fixed. was wondering if i could join an insurance plan just for that surgery. it is not a pre-existing condition, so could i get the surgery during the waiting period and if not, what are good insurance companies that have relatively low periods.""

""Can i drive clients to appointments etc, i have business car insurance?""

my boss has asked me to take clients to appointments, not sure if this is right as i have only got business car insurance, which is for visiting clients, commuting to and from work, i was told to do a risk assessment as i only told my car insurance it was commuting to visit clients not sure if i will be covered, and many clients are high risk""

Car insurance......Anyone else's gone up this year?

I'm still driving the same car and living at the same address, and I also took off 2 other named drivers from my policy to try to minimise the cost but it's still gone up by about 60 pounds......""

16 year old girl car insurance?

When I get my license, my parents will be putting me on my own plan and will be having a 1995 Geo Tracker in my own name. On average, how much would it cost a month to get the insurance I need? I'm hoping to be getting $450 a month. My cumilative GPA is a 3.2 I don't know what other information would be helpful.""

Which will make the insurance higher manual or automatic transmission?

I'm thinking of buying a car but I want to make the insurance cheap as possible I don't know if manual or automatic transmission will make the insurance cheaper

Whats a cheap car insurance company for young adults?

Im 19 and im looking at buying a honda civic si 2006 right now im under my moms insurance and im paying 140 for liability only and ive been looking around and all i see is $300 and up for full coverage on a finaced car. I need a cheaper insurance company im a female and i live in florida if that helps.

How does a LAPC in Georgia get on insurance panels?

How does a LAPC in Georgia get on insurance panels?

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

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

Will insurance companies charge Yahoo Answers users more than others due to cheating on the written test?

Before getting a license (or permit), a potential driver is supposed to study a booklet of information about how to drive safety, traffic laws, etc., and pass a test. Many potential drivers post the questions from the test in the safety category on Yahoo! Answers and get the answers that way, instead of actually studying all the information that they are supposed to study. Will insurance companies decide that insuring Yahoo! Answers users (many of whom cheat in this way) is riskier than issuing individuals who do not have Yahoo accounts (and cannot use Yahoo! Answers to cheat on the test), and charge higher rates to Yahoo! Answers users than to individuals who do not have Yahoo accounts? How much different will the rates be?""

Do teens with their permit need car insurance if their parents have USAA auto insurance?

please provide where u got this info from not jus u came up with it i need proof

Will insurance be different on any of the 5 Camrys?

My dad wants to get a new Camry. I really want the SE (i'm a 16 yr. old guy) But he doesn't want to pay a whole bunch more insurance. We have Allied. Our options are CE, LE, SE, XLE, Hybrid. Will there be a huge insurance difference?""

Having a hard time finding affordable health insurance?

I just need a simple surgery on both my ears. About a year ago I developed a keloid on both ears. I know they can get bigger so I want to get it fixed before it looks like a grape behind my ear. My biggest problem is in finding affordable health insurance. Can anyone tell me a good site to go to for affordable health insurance? All answers would be greatly appreciated.

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?""

Cheapest auto insurance rates?

i dont care what is covered and whats not, i don't care if i have a damn five thousand dollar deductible, i just want to be legal! How can this government mandate that we all must purchase insurance with some ty[e of non-inflated public option. Please answer the first question, and not the second...""

Trying to get free motorcycle insurance quote from progressive?

Its asking me this though: What date would you like your Progressive policy to start? Im confused. I just want a free quote, i dont want to actually sign up for insurance""

Cheap car insurance companies?!?

Does anyone know of any cheap or fair priced car insurance companies? Any suggestions will help??

Miami Florida Cheap car insurance quotes zip 33247

Miami Florida Cheap car insurance quotes zip 33247

How much would insurance be for a Mazda MX5 MK1?

How much would the insurance be for a Mazda MX5 Mk1 in the uk. I know the car doesn't cost that much, and its quite old! I was just wondering what a 17 year old male would have to cough up :) Any useful website links would be nice aswell""

Insurance for a 2007 Nissan Sentra SE-R Spec V?

I've been wondering how much insurance would cost for a 2007 Nissan Sentra SE-R Spec V for a 16 year old as the main driver, but I don't want to send my information to an insurer for a quote and possibly get unwanted solicitaions from them. Does anyone have any idea? Oh, and would it be different for a 17 year old?""

How are my insurance rates gonna look if i....?

i'm currently 17 (18 april 8th) and i've been driving legally since last july (got permit oct. 2007). on my record it says i'm driving my mom's 98 chevy venture (minivan). my dad and i are getting a 5.0l v8 mustang from around '86 to '93 and are fixing it up for me to drive. my dad's worried that the engine is pretty powerful so insurance rates will skyrocket (which he obviously doesn't want to pay along with the awful mpg this car has). will my insurance rates lower, stay the same, go up a little, or skyrocket?""

Insurance while overseas?

I am wanting to travel overseas to join my wife but wondered if something happened to my family (in the future) and I need money fast to travel back is there some kind of insurance I could take out before I leave?

Do I need to buy car insurance if I am a tourist borrowing my friend's car which is insured?

I'm a tourist in the U.S, and I want to use my friend's car occasionally, her car is insured but my name is not on her insurance policy, do I need to be on it to be covered?, Also, in case an officer asks me to pull over, do I need to be on the car insurance or just show him the car is insured?""

How much does medical insurance cost for a child?

How much does medical insurance cost for a child?

What is the cheapest best kind of individual health insurance?

What is the best kind of individual health insurance...that is the cheapest?

I want to start baby sitting do i need insurance?

im going to take a baby sitting course and use it to make a little extra money, i plan to go to the child's home to look after them in the evenings and i was wondering if i needed to get any sort of insurance. i like in the uk if that makes any difference.""

Car Insurance In St Louis?

I just purchased a 2002 Mazda Protege today and I bought the car right out but now I'm looking into auto insurance but I have no idea where to go. I am looking to just get liability but doing online quotes is a lil' tiring because I really don't know what I'm looking at. Could someone tell me what is the best rate for auto insurance in St. Louis to go. I also have never had auto insurance before and have never had any priors driving anyone else's car.

""I was informed that my surgery will not be covered by my insurance, and so what can I do?

Is there an additional insurance I can buy immediately or a California option to get me through this?

What would insurance cost me?

So, I'm 17 about to get my drivers licence next month. Iv been planning on getting a sport bike. A cbr600. R6. Gsxr6. Something with 600cc probably a 2000 or a bit newer.I just wanted to know about how much would insurance be either full cover or just liability and what the difrence is between them. Any other advice/tips even opinions would be very much appreciated.""

What is the Performance break down for State Farm Insurance?

For example: The statements for Sun Lifes performance is broken down into both geographic and market segments. These segments are: Sun Life Canada, Sun Life US, MFS Investment Management, Sun Life Asia and Corporate insurance. I am unable to find this information about State farm online, any help would be much appreciated! thanks a lot.""

Speeding and insurance rate?

I got a speeding ticket 2 years ago. It was for 20 km over in a 50 km zone. There was a fine but no demerit points to my licence. Will this affect my insurance rate when applying for a new policy this month? Thanks.

How Much Does Insurance Cost?

Okay, So Im 18. Ive Been Driving For A Year And Haven't Had Any Type Of Tickets, Wrecks, Or Anything. And, I Was Told That With This Your Insurance Is Likely To Go Down For Being ...show more""

Cheap car insurance in CA?

I'm 19 and am looking to buy a 06/07 Cobalt SS coupe (non-supercharged) and am wondering what the cheapest insurance would be? Personal experience?

Will life insurance pay benefits if death occurred due to suicide?

Certain states have suicide clauses. I live in the state of Florida. I was wondering about restrictions and payouts.

Would insurance consider a 6 cylinder Pontiac grand am/prix a sports car?

i want a grand am/prix as my first car but my parents cant afford sports car insurance for a brand new 16 year old driver, also what could my parents expect to pay up to on insurance. ...show more""

Why doesn't insurance coverage increase along with premiums?

Suppose you have 100 / 300 / 100 car insurance coverage. Suppose you were paying $50 per month in 1990. Suppose you are now paying $75 per month in 2010. If the premiums go up because of inflation then shouldn't the coverage? It costs more to fix a car in 2010 than it did in 1990. Is it correct to say the insurance company's average risk is the same, but their maximum risk has gone down? Having to pay out $100,000 maximum today is less than $100,000 maximum in 1990. What do you think?""

Which is the best medical insurance policy?

which is the best medical insurance policy in india..? i need a mediclaim policy for my Family(3 members). lic ,star health, icici or any other else..? please suggest me.""

How cheap is Tata insurance?

How cheap is Tata insurance?

Insurance price on harley-davidson?

what would be a good estimate for yearly cost of insurance on a harley? -92 heritage softail classic

Does an expired MOT invalidate insurance when making a claim for my car stolen from a private driveway?

I had no idea that my mot had ran out, when my car was stolen from a private driveway (not on public road) My insurance say i was in breach of the policy. But where do i stand legally with the car being off road when stolen? The insurance quoted no payout if there's no mot when one is required by law! Is there a loophole i can use""

How much is equine medical insurance?

I know equine medical insurance differs form breed, age, and value of the horse but what would you think a 9 year old $13,000 TB's life insurance would be?""

How much would motorcycle insurance cost for a 23 yr old?

Impeccable driving record, no tickets, felonies etc... Have a car and I've been driving for 6 1/2 years. My premium with Geico is only $80/mo. I just need a general figure for something with over 600ccs. Thanks.""

Part-time job enough to pay car insurance?

Would a part-time job at a mall store or movie theatre pay enough to cover an 18-year-olds car insurance? How old are you and how much does your car insurance cost monthly?

Miami Florida Cheap car insurance quotes zip 33247

Miami Florida Cheap car insurance quotes zip 33247

https://www.linkedin.com/pulse/affordable-car-insurance-victorville-california-alexander-howard/"

[yourrainycollectorhologram-blog]

volkswagen insurance review

"volkswagen insurance review

volkswagen insurance review

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

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A 125cc Scooter in California?

I want to get a 125cc scooter just because it does use a lot of gas. In California, does a 125cc scooter need a license plate? Do I need to buy an insurance? Do I need a driver license? Do I have to ride on the bike lane? or I can ride as a car? How do I make a left turn? How do I park my scooter? park it as a car (occupy a car parking spot)? It's in California. Thank you very much""

How much would car insurance cost for...?

a 19 yr old girl just married, who recently obtained license (within a year)? Liability only, in monroeville PA. Cheapest company? Best rate? Thanks!""

Life Insurance or Mortgage Insurance?

which one is better. I live in canada (BC) I have income disability insurance but it doesn't cover my mortgage amount. Incase of a death of one partner the other will get anywhere from 30 000 to 100 000 (depnds on how death happens) plus monthly checks of app.2000 for 2 yrs plus funeral expenses. I pay 108 a month for this. Shuld i cancel my policy and get mortgage insurance do most people out there have mortgage insurance? Is it true that you can not have more than one policy? any experts out there pls advise?

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""Does your auto insurance rate when you turn 18 years old, any cheaper?""

Hey everybody, I'll be turning 18 in a couple of months. I live in Georgia, and drive a 2002 Lexus RX 300, which is a mid-size SUV. I am not looking for a specific quote. I got my license late because I had to do drivers ed, and other reasons(non legal)...well the thing is, I have only had my license for a few months and haven't bought insurance. I don't know if I should wait until I am 18 to buy it. Is insurance a lot cheaper once your 18 as opposed to 17 or so? Please only answer if you know what your talking about. THANKS a lot for the help.. Sincerely, Zain Dhanani""

Where can i get some free car insurance quotes?

I'm doing this project on cars and i need to calculate a monthly payment for all 3 cars and i need insurance quotes for all 3. who can i talk to.

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My insurance is $50 just liability...I have AIS ACCESS insurance...I got a red light ticket cuz I didn't stop before turning on red...I already got a camera ticket 11 months ago and did traffic school so I know I'm getting a point

Is there insurance for a person that doesn't own a car and rental company doesnt provide insurance?

I want to rent a car but the rental place close to me doesn't provide insurance. They said I would have to provide my own. Is there insurance that will cover me while I rent the rental car? And if there is who will provide that for me?

""Which is the best car insurance in uk, cost wise and service wise.?""

Which is the best car insurance in uk, cost wise and service wise.?""

Is this reasonable amount to pay for term life insurance?

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Do Americans want Gov't run healthcare like medicaid and medicare or do they want affordable health insurance?

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authority and getting loads off load board and running all 48 states?

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Why does Allstate keep increasing my insurance rate?

I am 26 years old, in California. I have had Allstate for almost 2 years now, and every 6 months my rate increases. It went up $200+, and I have not had any tickets/accidents/claims, and I have not moved. When I asked them about this, they just said they are adjusting their rates due to zip code. Seems like bologna to me. Has anyone else had this problem? Which insurer do you recommend?""

What's the cheapest business auto insurance company?

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Does full coverage motorcycle insurance cover other riders on my bike if they have an accident?

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Car insurance write off price?

If an insurance company (Admiral) writes off a car thats been in an accident,what percentage of the car do they normally Pay? The car is 10 months old and been owned by us from new?""

What are the benefits of getting insurance through your employer?

I know this is a broad question, since there are so many different types of insurance policies as well as the incentives that a company may have for their employees. I was just looking at insurance that you can buy online (not through your employer) and was wondering the main advantages/benefits that come with paying for insurance through your employer.""

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volkswagen insurance review

A better way acquire an affordable health insurance to cover my family?

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""Health insurance, to see chiropractor help!?""

im trying to find health insurance because i dont qualify for medicare. im currently unemployed and looking for work, and couldnt go to fiu this semester. im 26 years old woman. i hurt my back lifting boxes a few months ago. the pain is horrible some days that i have to stay in bed all day. i need to see a doctor but i dont have money and i am living with my disabled mother. http://consumerdirect.bcbsfl.com my zipcode is 33010 what is the cheapest insurance here that would let me see a chiro and get xrays done? the less i would have to pay the better since my financial situation right now is bad.""

Will I make my bf's parents' car insurance rates go up?

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Where can I get cheapest car insurance?

Where can I get cheapest car insurance?

""According to the Hillary healthcare proposal, Individuals will be required to get and keep insurance in a

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How long does a traffic violation affect car insurance quotes?

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How can i get cheaper car insurance?

How can i get cheaper car insurance?

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volkswagen insurance review

How does car insurance work?

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Passing a drug test for life insurance?

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How much is New driver insurance for an 1988 chevy sprint?

How much is New driver insurance for an 1988 chevy sprint?

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Lexus IS300 insurance rate?

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Does anyone know where to get Cheap SR22 Insurance in Texas?

Does anyone know where to get Cheap SR22 Insurance in Texas?

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How much would my car insurance go up from a minor accident?

There is a dent about the size of a soccer ball on the back corner of the car....

Can I drive car on my wife's insurance?

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How much has your health insurance gone up since the affordable health care act was passed?

I just got notice mine went up by 33.5% last week. Why is my insurance getting less affordable instead of more affordable?

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

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

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I know 0 about this: are home insurance rates annual or monthly? Could someone give me just a very rough idea about how much a cheap studio's home insurance & tax would cost? (in upstate ny)

How much will my liberty insurance go up?

i'm 17, have had my ma junior operators license for 10 months. i was driving home, when in a thickly settled area i saw a motorcycle getting ready to pull off the sidewalk, i was keeping an eye on him to make sure he wasnt going to pull out into my lane, when i looked up and saw that the car in front of me had come to a dead stop, at a greenlight, bc a pedestrian had taken a step into the crosswalk. my vehicle hit the one in front of me, which pushed into the one in front of him. Pretty bad damage, speed was around 25-30mph. Right now i'm listed as an occasional operator on my dad's insurance (clean record). Its liberty mutual, just curious how much itll increase per year since im young. i wasn't cited, no injuries.""

How much will my car insurance go up after this accident!?

How much will my car insurance go up after this accident!? So, I did something stupid. Pulling into a parking spot, I accidently scrapped against another car. I got out of my car and looked at the damage on the other car. Obviously a lot of my paint was on it (On the drivers side, back door) but it looked like under the paint there were just a few very minor scratches and scuffs. NO Dents at all. Of course, I waited outside until she came out. She was very nice. We exchanged insurance information. How much do you think this will cost me? I live in NYS who I guess has a 'no fault' policy. I am 22 and the car is under my moms name, the insurance under my dads, if that means anything.""

Motorcycle insurance for 16 year old male price in ontario?

im looking to buy a 2001 Harley-Davidson sportster 883 for my first bike what am i looking to pay for insurance

I deliver pizza. I was told car my car insurance wont cover a crash.?

THey said if i have the pizza sign on my car and get hit insurance wont cover me but without the sign i will be?

volkswagen insurance review

volkswagen insurance review

Need cheapest car insurance company in Alberta?

I'm 16 and I just bought a car. It's a 1998 Chevrolet tracker and I'm trying to find the cheapest insurance company. I just need liability and nothing else. Anyone have any suggestions?

Average cost for motorcycle insurance in massachusetts?

Does any one know what the average cost is to insure a motorcycle with normal driving record

""Non owner SR22 insurance for TEXAS, what is a cheap website?

I don't own a car so I don't know what to do... Help! Thanks

Why are car insurance companies trying to make me go bankrupt?

Okay, this is extremely frustrating. I'm a 19 year old student, who works part time. I have all-state insurance full coverage, and I drive a 2001 toyota tacoma, which is paid off. And guess how much Allstate charges me every 6 months? $750!!!!!!!!!!!! That is absolutely ridiculous. These son of a bitches are totally ridiculous charging me that. I've never had a ticket, never been in an accident. And I don't care if i'm 19 that price is absolutely absurd for that car. I'm almost at the point where I just wanna go illegal and drive without insurance. I'm looking sleep every night over this I mean seriously do they think a 19 year old college student is made of money. And the funny thing is it's under my parents policy and its this much!!!""

Car insurance on first car?

i'll be turning 17 soon and my parents and i have been talking about a car for me. my dads over 50 and has a perfect driving record...if i were to buy a car but put it in his name, would I save a lot on insurance? and then i could just drive it? would that work""

Car Insurance for driving test question?

Okay I'm a bit confused here so here it is: I'm taking my road driving test this January (I'm in TX BTW). One of the requirements is that I provide a car that has insurance. So my question is, does the insurance need to cover me as a driver as well? Or is it OK if the insurance covers the car and it's owner only (my friends' car) and it's only his name as the insured driver . I'm confused since he said I NEED to be covered by the car's insurance, but how can I be covered if I don't have the license yet (Insurance companies will only insure drivers with license) I tried calling the local DMV but you know what happens when you do... you are put on hold for the entire day. So can I just use his car (it is of course insured) or what? Or is this just another way of him saying You're not driving my car bud! haha. Thanks a lot!""

Dental insurance?

Hi, i'm looking for a good dental insurance and a good dentist in philadelphia.""

Which is the best Health Insurance and Car insurance in NYC? if you know the answer to each or any let me know

Thanks.... Car insurance i am looking for the cheapest as far as health insurance i am considering HIP PRime but not sure if its good.. if you know about hip let me know if thats a good choice.. only reason why i might choose that is because there are no copay and no deductibles :) FREE lol but i want to make sure its a good choice... besides the obviouse.. take care and i am thanking you in advance for your advise

Cheapest car insurance for first time driver? I'm a girl?

I'm looking for insurance that is as cheap as possible. I'm a 17 year old girl who is currently having driving lessons.

""Car insurance cheaper in New Orleans, LA or Suffolk County, New York??""

My daughter recently moved to New Orleans, LA as an intern temporarily....does anyone know if automobile insurance, all things being equal, will be more expensive in New Orleans, Louisiana or Suffolk County, New York ??? much thanx all""

Collingwood Drivers Insurance?

I'm currently looking to get provisional driving insurance with this company and was wondering do I also need a full insurance policy alongside the provisional one with this company, Can not find any information about it thanks""

Car insurance and criminal convictions?

I was recently without going into detail convicted on a public disorder charge of harresment and have just passed my test at 18 and was looking forward to getting on the road and found cheapish quotes on places like lv and aviva etc but ive just realised in the smallprint or insurance assumptions you are not aloud one criminal conviction and cant find anyone that allows them but i know plenty of people that are on the road that have criminal convictions its all a confusing issue can anyone help?

Anybody have any reviews for GO AUTO INSURANCE? THANKS?

I am looking at purchasing full coverage on a new car and was wondering if anybody had any experiences with GO AUTO INSURANCE. This is a Louisiana Based Auto Insurance group and they currently have the lowest rates for the vehicle I want to insure. Thanks in advance!!

Color of the car for insurance purposes?

Does the color of the car have anything to do w/ the price you pay for your insurance? I have heard that bright colors make your insurance rates higher.

Repair cost for rear view mirror?

I broke someones rear view mirror. If I don't have to go through my insurance company I'd rather not. About how much does it cost to replace them? I don't know the make or model of the car.

I got a ticket for expired insurance in california?

but i did have insurance i just didnt have the card with me. the police officer said all i have to do is get the new card to the police station and have it signed off. am i going to still have to pay a fine?

Are we covered with liability insurance?

if we got in a car accident no 2nd party or whatever its just us 3 in the car 2 of us got sent to the hospital .. the driver that was at fault only has liability insurance .. are we covered with the medical expenses? like if we file a complaint to their insurance can they do something about it since we goin to need therapy and such?

Performance car insurance?

is there an insurance company which can provide me with a quote for a performance car? (at a reasonable price) im 19 got a pass plus and had my license for 1 and a half years... ive been driving as a named driver for that time with no claims etc etc ..... i know theres not alot of company's out there which probably wont insure me but its worth a try ey?.

Do cons understand the difference between free insurance and affordable health care?

Do you understand that we dont want free insurance, we want affordable health care? Future health care reforms must make health care more affordable. The remaining challenge is to define a truly level playing field and make health care affordable for all Americans.""

Insurance on my boyfriend's car?

I recently got my license and haven't gotten a car yet. Since my boyfriend has two vehicles I am planning on using his car for work. He has liability on the car but I don't have any insurance and his insurance agent isn't sure if we can be on the same policy if we're not living together. Will I have to get my own insurance or is there anyway I can be covered by his policy? Please help! Any advice on the cheapest way to do this is appreciated. Thank you!

""If I get an insurance quote from a price comparison site, am I guaranteed the cheapest price?

Is there likely to be hidden costs?

I'm 19 years old and i was wondering if anybody uses rodney d. young for their insurance? is it cheap?

I'm 19 years old and i was wondering if anybody uses rodney d. young for their insurance? is it cheap?

How to convince my dad to insure the car? Thanks?

I had a car accident in my 2004 Honda under my dads insurance. Im 19 and I didnt get dropped from insurance. The accident had 3 claims of bodily injuries and a total loss car & I was at fault. I have the money to buy another vehicle but my dad wont insure it till the case settles. How do I convince him to insure me now while the case is settling? Hes afraid I might crash before the case is settled but I learned from my car mistake. What do I say? Thanks

Insurance Cost Estimate For 16 Year Old With Sports Car?

How much would it cost to insure a 16 year old on Geico with a sports car compared to a sedan or something of that nature? To be more specific, what would be the average change in cost from a BRZ/FRS to a Hyundai Genesis sedan? I do not need exact answers, as this is impossible with the many factors. I just want to know if it will be like $30 a month difference or a couple hundred a month. Also, what you expect the cost of insurance on a new v6 mustang to be per month? 10 points to the best answer. Thanks.""

Are there low-cost health insurance options for non-legal adults in California?

My neighbors are immigrants who have lived in California for over 22 years. They have worked and paid taxes since then. Unfortunately, they are still waiting to become legal residents. They have two children who are both U.S. citizens and whose health insurance is already cared for. They themselves pay for private health insurance that is nearly $1000/month. My neighbor recently lost his job and is no longer bringing in any income. Are there any low-cost health insurance options for them?""

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Parkland Students to President Trump: Stay Far Away From Us

PARKLAND, FloridaTwo days after enduring a horrific school shooting, students at Marjory Stoneman Douglas High School and parents of the victims have one request for President Donald Trump: stay away.

"In my opinion I do not want Trump here at all," Ameer Hussain, a 15-year-old freshman at the school told The Daily Beast.

Trump is scheduled to be at his resort in Mar-a-Lago this weekend. And reports on Friday said that he would be paying a visit to Parkland, Floridathe site of the shooting that claimed 17 lives on Wednesday while wounding 15 othersto, in his words, "meet with some of the bravest people on earth."

Its common for presidents to visit the sites of national tragedies and, while there, meet with the affected. But Trump is neither a conventional president nor one whom many people here particularly want to see.

Hussain imagined that Trump would use this event to make himself look better politically.

"It's not meaningful, he added. He's the president and he should be speaking on what he's going to do to make it better for next time. My friend group, Hispanic kids, black kids, they're not caring for this at all. My dad is of the same idea."

Another student who participated in Junior Reserve Officers' Training Corps (JROTC) with Florida shooting suspect Nikolas Cruz, but asked that he not be named, said most kids and people in town agree that Trump should not swing through.

"One big reason people don't want him here was his speech yesterday and tweet of his," the student said. "Apparently [the president] said it was the kid's responsibility to report Nikolas Cruz so in a way it was our fault. A lot of people aren't happy about his visit."

Emotions remain raw among students in Parkland, especially after President Trump tweeted on Thursday that Neighbors and classmates knew [Cruz] was a big problem" and that, in such cases, people Must always report such instances to authorities, again and again!

The missive left several students at the school livid, with some angirly responding to the president with tweets of their own.

"How is this our fault?" one student said on Twitter on Friday. "We cant even vote and when we say something its usually pushed aside. Dont you dare say that it is our fault, unless you were there, unless you tried your best you have no right to tell anyone what to believe."

The FBI did receive a tip about Cruz in January, but failed to transmit the warning to its Miami field office.

On Thursday, Trump made his first public statement on the shooting, saying that his administration was committed to working with state and local leaders to help secure our schools and tackle the difficult issue of mental health.

It is unclear how far Trumps outreach to the Parkland community has or will progress beyond that. No parent or students who spoke to The Daily Beast said they had heard about Trump reaching out to bereaved families. The Trump White House, meanwhile, has yet to confirm any details related to a potential trip or meetings with survivors and their families.

Were still working on that, White House Deputy Press Secretary Hogan Gidley told The Daily Beast Friday afternoon when asked if Trump is meeting with mass shooting survivors or their family members in Florida. The White House also would not confirm to The Daily Beast if the president had already called any of them, yet.

I cant believe that pig is coming down here," said Kylan Reynolds, 23, a graduate of Florida Atlantic University in South Florida. The man is a coward.

Not everyone is demanding that Trump stay away, however. Some, like Nikhita Nookala, a 17-year-old senior at the school, are eager for him to come to Parkland so that he can, in her words, "learn a lesson."

"If Trump comes down I think it's important that he shows us he's with us," Nookala said to The Daily Beast. "I think the death of 17 people should encourage the president to consider [gun] restrictions There's been too many school shootings and we don't need kids to die before they go to college. "

She said that for the president to come down and not take any direct action to limit guns in the country would be "hypocritical."

"By action I mean urging legislators to stop listening to interest groups like the NRA and stop considering the rights of people to keep guns as a hobby over the lives of kids who just want to go to college and get a job and be Americans," she said.

Amos Fernandes, whose daughter is a junior who survived the shooting, also feared that Trump would exploit the tragedy with a visit. But he also imagined that a such a trip could provide piece of mind.

"I think right now, people really really don't want to see him here. But we need to show him that everybody is angry. It's crazy," Fernandes said. "I am so angry and a lot of parents are angry like myself. The whole city is angry."

Fernandes, who lived in Connecticut during the Sandy Hook school shooting, said he was outraged that Congress had done nothing to restrict gun ownership.

"These politicians like Trump are getting paid, and while they're getting paid people are getting killed," he said.

Fernandes' daughter, 16-year-old Kathlyn, said that if Trump does make the trip to Parkland, she hopes it will change his mind about gun control.

"What happened at my school could have been prevented if he had supported gun control," she said. "It makes me feel bad he hasn't done anything. At the end of the day, if you're 18 you shouldn't be able to buy a gun."

One of my former students, shes a junior at the high school went to therapy today, she told me I dont think I will get the memory of gunshots and people screaming out of my head, said Catherine Kuhns, who was standing with fellow protesters calling for common sense gun reform two days after the shooting.

I dont understand why in the State of Florida, you can get an assault rifle at 18 but have to be at least 21 to purchase a handgun. Its just absurd," said Kuhns, who has been teaching since 1975 and at Country Hills Elementary since 1992. In 1998, she received the Presidential Award for Excellence in Mathematics and Science Teaching from President Bill Clinton.

She added: "We will be back on this corner protestingtomorrowstarting at9 amhoping to gather a crowd and hoping President Donald Trump travels past our pathtomorrow.

White House officials have undoubtedly become aware of how fraught a potential swing through Parkland would be. Trump has had mixed results in similar situations before. He did pay a visit to Las Vegas following the massacre of 58 people in October and called the shooting an act of pure evil," but that event was far less politicized. Earlier last year in August, the president botched his response to Charlottesville when he failed to condemn white supremacist James Fields, who drove a car into a crowd of counter protesters, killing 32-year-old activist Heather Heyer.

Several senior Trump aides expressed concern to The Daily Beast that Trump could potentially find himself in a situation in Parkland where he is trapped with grieving parents or students who harangue him about his administrations position on guns, creating horrible optics and more negative press for the president. The same officials also voiced worry that the presidents response to such a situation could potentially make the situation on the ground worse, unintentionally. Asked for an explanation, one White House official referenced the incident when President Trump ended up making a widow cry when he meant to comfort her.

The fact that Cruz wore a pro-Trump "Make America Great Again" hat while making racist remarks to his fellow classmates makes a visit all the more complicated.

Still, some allies of the president publicly maintain that he could indeed rise to the occasion.

Weve had many presidents in the past who have gotten into emotional exchanges with distraught parents and siblings and others in times of, for example, returning the remains of someone who died in warThis challenge is not something unique to the Trump presidency, Michael Caputo, a former Trump campaign adviser, told The Daily Beast. I know President Trump well enough to know that in a situation where hes met with an emotional response, he canrespond appropriately.

Hes a compassionate person, Caputo added.

Read more: https://www.thedailybeast.com/parkland-students-to-president-trump-stay-far-away-from-us

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careers Questions & Answers

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mobile phone job interview request for details ? Good day, I am making use of for employment, I will have a mobile phone job interview subsequent 7 days with a cellular firm outside my region. They reported it will last forty minutes. Do you know how need to i act in reaction or say to give really nice impact? what need to i put together? they might inquire me technical issue for a situation application engineer ? what concerns need to i expect?

(Ex goal staff and present-day goal employees)I love a second job interview at goal subsequent Tuesday? I i bought an 2nd job interview at goal for a cashier transient the to start with girl she actually like me alot and quite before long i have to wait around right until tuesday for the 2nd job interview for the reason that i love university monday and we are out on tuesday but i actually want to know what is what to expect with the 2nd becoming and i read through that you have two in a person and the identical working day but i did not do you that is a issue or not and my brother spouse operates surrounded by the human resource division do you consider i have a coincidence for the reason that she operates in there oh yeah im sixteen and i agreed to do the job weekends, evenings, and holiday seasons is that apposite or what

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**Graphic, but make sure you read through. I entail suggestion, Sexual Harassment at do the job.? There are a lot of places that my firm operates in. Effectively, when I be relatively new right here, they employed a person and he be variety of a fill within just at no matter what location we desired him to go to for the sunshine. Effectively it didnt get extensive for him to get my mobile phone selection from the unexpected emergency ring sheet. So he referred to as a person night time and reported to get alongside one another 4 beverages, I advised him no bc I dont know you. I didnt see him at my location 4 a couple times, and then one working day he appear in my place of work and shut/locked the doorway and put his arms on respectively a person of the chair arm rests that I was sitting down contained by, and advised me I need to want to go out with him, and I reported no bc I dont belief u and he reported...u dont belief me? or u dont belief by yourself? So thats when it actually started out finding wierd, but i blew it poor. Subsequent, I was walking down the corridor and he handed me, and seize my butt, I advised him dont contact me once again. Then, I was on my way to do the job and he recently occurred to be driving upcoming to me, and he be telling me to pull in excess of so he could kiss me and contact me. This is when I started out debating on whether or not or not to relate my manager, which is his manager far too. The remaining straw was when I was house a person darkness and he referred to as my mobile phone as personal and when I answered he reported he was within just the shower and if I could appear "enable" him. So I hung up, and referred to as the mobile phone firm to modify my selection...even though I be performing that, he was calling me again, departure me messages telling me to solution bc he desired to hear my voice in proclaim to "complete." And despatched me a picture concept of the "proof". Effectively I saved the messages and made the decision to depth my manager asap. Effectively I just occurred to start my depart the working day that it occurred so I arranged to wait around a pair of times right until I could go and sit down beside him. By the time was again from vac., a person of the empire advised me...that person bought arrested for violating probabtion and have to do time for a calendar year right before hell get out. Lastly, i didnt love to fret about it, i in no way advised any one to free the embarrassment and drama. Effectively its been a calendar year and i mainly found out that they rehired him! I talked to my manager and advised him every thing and he reported, u need to have advised me early...I already employed him. So I advised the HR person, and he reported okay I will cope with it, he wont do the job at your location. Effectively the identical several hours of daylight he advised me that, he showed up! He walked in my bureau like nithing ever occurred and reported your however right here...? Arent you operating a second or two late? Which I while was an irregular greeting soon after not viewing every other for a total calendar year. Effectively I not right here instantly. I referred to as the HR person, and I reported what happen?! And he reported he was overwritten by the functions person and that he be going to do the job there. He also reported that he cant actually do significantly about allegations a calendar year back considering that I in no way advised any one to originate with and he also has to secure his rights to love a secure task. He reported considering that hes already employed theyre going to give him a different randomness and THEN if he does a little something theyll hearth him. Is what he is expressing correct? I even advised HR that he doesnt have to hearth him, but I why they cant distribute somebody else in excess of right here in its place and retain him away from me. Is that it? Now I just sit and linger for him to "do" a little something...and hope its not far too traumatizing? I know it was a calendar year back and I in no way advised any one but this however doesnt look proper. Is it? Oh! and the HR person reported, moreover hes on parole and he cant pay for a 3rd strike...so im fairly certain he wont do anything! Also, I dont even know what he be arrested for.

**How do you write a Resume?**? How do you make a resume? I require a person for a errand I actually want.

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:]] any task at sixteen? Im sixteen and like 4 months and im unwell n weary of operating at taco bell and was contemplating of a different assignment, like the shopping mall so i didnt obligation an unattractive uniform. The shopping mall by me have generic merchants like V.S, charottle rousse, wetseal, Gap, Endlessly 21, pacsun, and no matter what else. Whats a totally clad spot to do the job at? or everywhere else with no food stuff at all haha :] ty.

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Why I aborted 2 very wanted pregnancies

April held several anniversaries for me. The anniversary of an unrealized due date, the anniversary of an ended pregnancy, the anniversary of my birth40 years ago this year. All three of these dates gave me pause to reflect on the choices Ive made.

Choice. The word feels big and comes up often lately. When faced with my strong-willed 3-and-a-half-year-old son, Ive learned to give him only two choices or else Id lose my mind. On a larger scale, Im considering leaving a career Ive pursued for over two decades and whether or not to add to our family. Such choices are par for the course as we grow and enter new phases in our lives.

But more significantly, Ive been thinking about the right to choose in the debate over abortion, which is not only threatened under the Trump administration, but also often misunderstood. The nuances that can go into making a choice to end a pregnancy are often unseen, unspoken, and never casual.

Unfortunately, my husband and I were faced with this choice. Twice. We terminated two very wanted pregnancies. To put it bluntly, Ive had two abortions.

And as our government tries to strip us of our reproductive rights, I am reminded how lucky I am to have the financial means and to live in a state where laws didnt prevent me from the choices I made. My abortions left me heartbroken, changed, and grief-strickenthat is indisputable. But everyone should be granted those choices. Those are choices Id still make today.

. . .

Itd be easy to peg me as your typical pro-choice advocate. I grew up in a liberal household. Feminism was at the core of my progressive private Los Angeles high school education. I went to a super hippie-dippy college where grades were for eggs, not people. But while I was taught to think critically about various perspectives, I was primarily surrounded by politically and socially like-minded individuals. To be honest, I never questioned whether I was pro-choice. I just was.

Photo via World Cant Wait/Flickr (CC-BY)

And then I visited a Body Worlds exhibit. This particular show featured skeletal muscles, nervous systems, and healthy and diseased organs to demonstrate the complexity of the human body. It also included a wall of 42 embryo and fetuses preserved in a glass case.

These embryos and fetuses were humanized by Body Worlds. I saw their form and I saw their potential. I saw them as life. (Not so dissimilarly as I saw the meat that I no longer ate when I became a vegetarian 10 years prior.) I remember very clearly, standing over a nine-week embryo in a glass case thinking that I believed in choice, but couldnt imagine making such a choice.

Fast forward 10 years.

I became pregnant in the summer of 2011. In September, I went in for the routine 13-week NT scan, the ultrasound that assesses your babys risk of having chromosomal abnormalities. That day, we found out that our babys nuchal fold thickness was outside of the normal range.

We sat with the genetic counselor as we gave our histories (nothing outside of the ordinary) and was given a primer on statistics and chromosomes and karyotypes and various horrifying conditions. At that point, we still didnt know exactly what it all meant for our child.

As we drove home, my husband, through his stifled tears, said to me, We cant think of it as a baby. I remember feeling aggressively defensive at my husbands reality. I had stared at the doctors screen and saw a body. I had stared at my belly and saw it swollen. Of course, it was a baby. That was never a question for me.

Test results confirmed that our baby had a significant chance of having some kind of severe abnormality that could be fatal or would likely cause him to suffer. We consulted doctors, got second opinions, and endured more testing. We were candidly, though not casually, advised by doctors to terminate and try again. And at 14 weeks, thats what we did. We made our choice.

I grieved, I processed, I sat on the couch in therapy and tried to find meaning in my experience. I planted a letter in an olive tree that I had written to our son, explaining to him why we made our decision, and that it was ultimately a decision made out of love.

I became pregnant again, at the beginning of 2012. This babys due date was exactly one year after we terminated the previous pregnancy. I found solace in that kind of synchronicity.

But of course, when I went to my routine 13-week NT scan, I was still anxious.

As I lay on the exam bed, facing a flatscreen monitor with just my name and my estimated due date, the technician asked me, Would you like me to turn the monitor off after you confirm the information is correct?

She was asking if I wanted to see my baby. Without hesitation, I told her to leave it on. I did not take my eyes off him. Here was my baby alive and living inside of me.

Soon, though, my husband and I would be faced with the same godawful, painful decision that we had made just months before.

This time around, my babys NT scan showed that his nuchal fold thickness measured twice the normal size, putting his life at even more risk than our first. My husband and I searched for a medical explanation or any scientific data that could give us an understanding as to why this happened to us not once, but twice. I scoured medical journal articles and reached what felt like the end of the internet looking for affirmations that I could carry my baby to term and not feel like I was putting my child at a significantly abnormal great risk by bringing him into the world.

We sat with the facts, the data, the expert opinions as well as second and third and fourth opinions. I had a CVS, a microarray, a full counsel on recessive testing. We had ultrasounds with specialists at both Cedars-Sinai and UCLA. We reached out to various genetic and prenatal and neonatal specialists. We made it our job to find an answer.

Despite the extensive research on my pregnancies and all of the testing, every doctor we saw was at a loss to explain why this developed with our babies twice and couldnt come up with anything beyond compassionately telling us it was two strokes of bad luck.

We made our choice. Again.

. . .

I think about what our story would have looked like under different circumstances. In another state. With abortion restrictions. With fewer means. Fewer resources. What that trajectory could have looked like in a parallel universe. And it makes me realize that while others might not agree with our choiceand I certainly can understand why some do notit was our choice to make, not our governments. It was philosophical, it was personal, and it was ours.

The Oklahoma House of Representatives passed a billin March that would ban all abortions based on genetic abnormalities. In other words, Oklahoma legislators believe that the agonizing choice that my husband and I made as a couple, both times, should have been theirs to make. Theyd get to make this choice for us even though they would do nothing to support the aftermath of that decision: setting aside funding for his medical care, holding our hands while he underwent a lifetime of treatments, alleviating our pain if he died not long after birth.

In Kentucky, there is only one abortion clinic left in the state. One in 40,400 square miles, and the governor just tried to close it. In that scenario, I think about the big-picture trajectory again: If my husband and I lived in Kentucky and we didnt have a car or have the funds to get to the closest clinic and subsequently had a child with severe and costly life threatening medical issuesa child whom may or may not have been even able to survive after being bornwhere would we all be now?

But in what could be the most damaging legislation given my situation, the Texas Senate just passed two obscenely restrictive bills: One outlawing dilation and evacuation (D&E) procedures, the safest and most effective abortion procedure for women in their second trimester and what doctors used to terminate my second pregnancy; and another called the wrongful birth bill that would make it legally OK for doctors to lie to their patients about fetal abnormalities so they dont get an abortion. Yes, doctors could make the choice to withhold my babys health issues from my husband and me, while we went on in ignorance, unable to have a choice in the future of our family.

The list of laws and states and circumstances that hinder choice goes on and on.

Photo via Shutterstock

While it may seem like what the Republican Party wants to do first and foremost with such restrictive legislation is prevent women from getting abortions, that motive is only secondary. Many studies have shown that women arent going to stop choosing to have abortions under strict lawstheyll find other, unsafe means to terminate their pregnancies that could put their own lives in danger. At its core, these laws are about controlling women and perpetuating feelings of shame and guilt for making choices over their own bodies.

Women have long lived with the burdens of shame; nevertheless, we have persisted. We do not shut down after making the choice to have an abortion. We do not go through with the procedureand never feel again. I have never felt so much pain, anger, sadness, grief, and confusion as I did after choosing to end my pregnancies.

Worse than the pain I felt in their absence, though, would have been not getting to make that choice at all. And to clarify: I understand why others would not make the same choice. But being forced into a life based on a doctors whim or a legislators personal ideology, being robbed of making the best personal choice for my family, would have been a pain I could not endure.

. . .

After that 13-week appointment, I decided to make the most of each day with my son while he was still in my body. We went to the beach. I showed him the ocean and the sand. We ate Indian food, Italian food, Mexican food, Mediterranean food. I read to him. I talked to him. I sang to him. I wrote him letters daily. We listened to a lot of Florence and the Machine. I explained everything that was happening to us as best as I could, as we went into each ultrasound appointment.

After considering and reconsidering all of the information we had collected over five weeks, we made the decision to go in for a D&E the day before my 35th birthday. He was 18 weeks. I woke up on my birthday longing for him and missing him terribly.

While my husband and I grieved together, I felt oddly alone in my experience. Simply put, there was a literal voidinside of me. Unlike my husband, I had pregnancy weight gain and pain and cramping and bleeding and hormonal mood swings that were constant visceral reminders of my baby whose life we chose to end. And so I took the pain pills prescribed with wine every night as I watched countless episodes of TLCsWhat Not to Wear to escape all the pain that was too hard to feel.

Because he was a baby, my baby, we had him cremated. Until we came up with the right spot to place his ashes, I carried him around with me. Some might think it weird or dark or sick, but I couldnt fathom leaving him home alone, and so he came with me in my purse to my appointments, my errands, and my work. We eventually found his spot.

My husband and I eventually tried again seven months later. I quickly became pregnant and gave birth to our son in August 2013.

I would be lying if I said I did not often see his two brothers when I look at him. All three are part of my fabricour son is here because of them. And one day, I plan on telling him about his brothers and our journey. A journey and a family we wouldnt have without choice.

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25 ways to save $250 a month that everyone is messing up

Image: Faberr Ink/shutterstock

When it comes to saving money, not every way is the right way. A lot of it depends on your lifestyle and the goals that youve established.

At the same time, there are plenty of mistakes we typically make when it comes to saving like the 25 ways listed below.

1. Not monitoring your budget

When it comes to saving some cash each month, nothing beats a budget. Heres the problem. You base your budget on your fixed expenses like rent, insurance, and utilities. But, what about those unexpected or variable expenses like a trip to the dentist, replacement of your broken iPhone, heat during colder months, the invitation to go on a last-minute weekend vacation, or gifts for birthdays or holidays?

If youve created a budget based on only your fixed month-to-month expenses, then its going to be a lot harder to save accordingly. Instead of saving money each month, youll actually be eating into your savings.

To successfully budget, you have to pay attention to trends and then reshuffle as needed. This way, youll have enough money to cover those unexpected or variable expenses without dipping into your savings. Remember, budgeting is a process. Dont expect to create a budget based on solely on one month. Track your spending over the course of a couple of months so that you can paint a more accurate picture.

2. Spending too much time on being frugal

Another way to save money each month is by being frugal. But, if youre spending more time on monitoring your budget, clipping coupons, or scouring the Internet for the best deal instead of enjoying your life, then its time to reevaluate the situation.

The purpose of saving is so that you have the money to take that family trip, make home improvements, or invest in new business. That doesnt mean that you eliminate the important things in life, such as spending time with your family, just for the sake of saving. By all means, be frugal but not when its consuming too much of your life.

3. Loyalty

When you think about saving money, you most likely think about reducing expenses like going out to dinner less often. But, when was the last time that you compared the rates and deals of your bank, insurance company, the Internet or cell phone provider? Theres a good chance that there are better options available. Switching your cell phone provider, for example, may not save you $250 alone per month, but you may find a plan thats $25 cheaper per month. Add that to your other saving methods and youll be on track to that $250 goal rather easily.

4. Youre uncomfortable

Being frugal doesnt mean that you have to sacrifice the things that you actually need or enjoy occasionally. It means that youre more cognizant of your spending so that you can make better financial decisions. It doesnt mean that you have to be uncomfortable and miserable by missing out on the things that you enjoy or need like that new mattress to replace your uncomfortable and torn-up mattress.

5. Buying on sale just because its on sale

Weve all been guilty of this. We purchase items just because theyre on sale. But, do you really need that new pair of jeans just because theyre 15% off? Instead of spending your money on the things that you dont need just because theyre sale, make a note of the what you do need and then wait for them to go on sale.If youre like most people, this adds up to be over $250 a month.

6. Cooking at home

Make no mistake about it. Cooking at home is definitely more affordable than eating out every night. But, what about the times that you want to make something that calls for ingredients that youll rarely use. Take Paella, for example. While its delicious, theres a chance that the saffron you purchased is going to go to waste.

When grocery shopping, try to think of meals that use similar ingredients so that nothing is going to waste. Another option would be to join something like Blue Apron or Sun Basket since they provide the right amount of ingredients needed for each recipe. Best of all? Plans start at around $10 per serving.

7. You cant let go

Do you have a house full of stuff that you never use but hold onto them because you might need that snow blower even though you live in Florida? Its time to let some of that clutter go. While I understand that you dont want to buy something if you already have it, take stock of the things that you know youll need.

If you keep accumulating stuff, youll potentially run into a situation where you need to rent storage space because you no longer have space in your home to store it. How is that going to help you save money each month?

8. Buying coupons youll never use

There are some incredible deals on Groupon or LivingSocial. But, are you really going to take that yoga class or eat at that new Italian restaurant outside of town before the voucher expires? If so, then purchase the voucher, but if youre uncertain, then skip the deal.

9. You jeopardize your safety

I dont enjoy throwing away food. However, Im not going to put myself or my family at risk by cooking dinner using expired ingredients. If something is bad, its better to chuck it then risk getting a bad case of food poisoning.

10. Signing up for a new credit card just for the rewards

In some instances, credit cards have perks like rewards, cashback on purchases, and 0% percent APR for balance transfers that make them worth considering. Before applying for that new card, review all of the fine print. This applies to businesses as well. The cost of annual fees and high-interest rates may not be worth those perks.

11. Cutting out all activities and socializing

One of the most expensive expenses youll incur is socializing and participating in activities. Instead of becoming a hermit and isolating yourself from your friends or family, make an exception here and there. If you go out for drinks or attend a concert on Friday night, then stay home on Saturday night. Youre still socializing, but youre also being responsible with your money.

12. You never indulge

Just like with socializing, its alright to indulge now and then. It can be used as a reward or help you experience new things. So, if youve brewed your own coffee at home all week, go ahead and stop by Starbucks on Friday morning. You earned it!

13. Youve taken DIY too far

Thanks to Pinterest and YouTube, weve been tricked into thinking that we can do anything from building furniture to repairing our cars. The problem is that this can lead us to potentially do more harm than good.

For example, changing the oil in your car may sound like a good idea, but by the time that you purchase the oil and filters, it may cost you more money than going to a mechanic. Even worse, if youve never changed the oil in your car and make a mistake youll now have an additional expense: paying a mechanic to repair the damage that youve done.

14. Cord-cutting

One of the most popular trends when it comes to saving money is through cord-cutting. The thing is its not for everyone. If you enjoy watching local sports or shows like Game of Thrones, you may end up paying more money each month since youre still paying for Internet service, a local TV package, and a premium channel subscription. Unless youre not a TV-watcher, cord-cutting may not be your best option.

15. Not calculating your retirement

Saving for your retirement is never a bad idea. Going into it blindly is, however. You wouldn’t purchase a car or home without knowing how much its going to cost you, right? In order to plan and save for your retirement, you need to first calculate how much youre going to need to set aside each month. NerdWallet has a handy retirement calculator that can help you get started on the right path.

16. Putting money into modest growth plans

One of the biggest mistakes that even the savviest savers make is putting money into modest growth plans, such as low APR savings accounts, CDs, bonds, mutual funds, or simple 401(k)s. Thanks to Fintech, your bank or financial adviser will be able to send you personalized investment recommendations so that you can get the most bang for your buck.

17. Not harnessing the power of Fintech

Speaking of Fintech, financial institutions are using this technology so that you can also automate investing and savings by adjusting your budget and notifying you of any changes in your accounts. You can receive customized financial advice through chatbots to make more informed financial decisions.

18. Avoiding cash

Theres a belief that if you have cash on-hand youll be tempted to spend it. The thing is if you only have $45 in your pocket, you cant spend more than that. However, if youre carrying plastic or a digital wallet downloaded onto your phone, you may be tempted to spend money on stuff that you dont really need. In the end, cash may be the better option to keep you financially disciplined.

19. Not automating your savings

Dedicating a percentage of your paycheck to your savings is a given. However, what happens when you place that echeck into your bank account? After your expenses have been paid, you may be tempted to spend that excess cash. To prevent that from happening, you should automate your savings where a small percentage of your paycheck is withdrawn and transferred to your savings account. This way, youre not spending that excess money since its already been placed into your savings account.

20. Buying cheap, not value

You may think that in order to save $250 a month you have to buy products or service that are the cheapest. Just remember, you get what you pay for. For example, if you need a new pair of sneakers and purchase a pair from a local dollar store, theyre probably not going to last as long as a quality pair of sneakers. Sure, spending over a hundred bucks on a pair of shoes may seem like a tough pill to swallow, but theyre more likely to last you several years.In other words, always go value over price. It will be worth it in the long-run.

21. Buying in bulk

Buying in bulk can be a smart move when it comes to items that you use frequently and wont spoil. For instance, household items like toothbrushes, toilet paper, or light bulbs are cheaper when bought in bulk. Food items are a different story. In fact, food waste costs between $1,365 to $2,275 per year for the average American household.When it comes to perishable items like food, buying bulk isnt always the most cost effective solution.

22. Linking your checking and savings accounts

Gone are the days having only one bank account. Today, there is a wide range of ebanking options for your specific needs. For example, you could use one bank for your main checking account because you arent charged any maintenance or minimum balance fees. However, there could be another bank that has a higher interest rate on saving accounts. By separating these two accounts youre not only avoiding fees and getting a better return, but youre also preventing the chances of spending the money that you’ve set aside for that emergency fund or savings plan.

23. Assuming theres a quick fix

When you start saving you first look at reducing your spending. Chances are that reducing your trips to Starbucks or changing your cell phone plan arent enough to add up to $250 in savings each month. After that, you make another cut, then another, and then another until you’ve reached your goal.

The point is when it comes to saving, there aren’t just one or two quick fixes. Its a process that takes time.

24. Focusing on saving while considering how to also make more money

Income is arguably the most important factor when it comes to saving. If youre living paycheck-to-paycheck, then how can you put aside a couple hundred of dollars each month? Reducing the amount of money that you spend each month is only part of the solution. The other part is having additional income that can be placed into your savings account.

Thankfully, there are hundreds of ways for you to make some extra cash on the side even if you have a full-time job. Here and there, working some evenings or weekends can help you easily hit that extra $250 per month and maybe even more!

25. Saving solely for needs

Most financial advisers suggest that you save for needs like a new car, health emergency, or college education. While thats sound advice, when you only save for your needs, you tend to get frustrated and resentful of the entire saving process.Instead, set aside some of your savings for something fun, such as a dream vacation or new TV. You earned that money, so make sure that you enjoy from time-to-time and reward yourself for becoming more fiscally responsible.

John Rampton is serial entrepreneur who now focuses on helping people to build amazing products and services that scale. He is founder of the online payments company Due. He was recently named #2 on Top 50 Online Influencers in the World by Entrepreneur Magazine. Time Magazine recognized John as a motivational speaker that helps people find a “Sense of Meaning” in their lives. He currently advises several companies in the bay area.

John Rampton

Read more: http://ift.tt/2q02HDi

from Viral News HQ http://ift.tt/2p1NjXB via Viral News HQ

[trendingnewsb]

25 ways to save $250 a month that everyone is messing up

Image: Faberr Ink/shutterstock

When it comes to saving money, not every way is the right way. A lot of it depends on your lifestyle and the goals that youve established.

At the same time, there are plenty of mistakes we typically make when it comes to saving like the 25 ways listed below.

1. Not monitoring your budget

When it comes to saving some cash each month, nothing beats a budget. Heres the problem. You base your budget on your fixed expenses like rent, insurance, and utilities. But, what about those unexpected or variable expenses like a trip to the dentist, replacement of your broken iPhone, heat during colder months, the invitation to go on a last-minute weekend vacation, or gifts for birthdays or holidays?

If youve created a budget based on only your fixed month-to-month expenses, then its going to be a lot harder to save accordingly. Instead of saving money each month, youll actually be eating into your savings.

To successfully budget, you have to pay attention to trends and then reshuffle as needed. This way, youll have enough money to cover those unexpected or variable expenses without dipping into your savings. Remember, budgeting is a process. Dont expect to create a budget based on solely on one month. Track your spending over the course of a couple of months so that you can paint a more accurate picture.

2. Spending too much time on being frugal

Another way to save money each month is by being frugal. But, if youre spending more time on monitoring your budget, clipping coupons, or scouring the Internet for the best deal instead of enjoying your life, then its time to reevaluate the situation.

The purpose of saving is so that you have the money to take that family trip, make home improvements, or invest in new business. That doesnt mean that you eliminate the important things in life, such as spending time with your family, just for the sake of saving. By all means, be frugal but not when its consuming too much of your life.

3. Loyalty

When you think about saving money, you most likely think about reducing expenses like going out to dinner less often. But, when was the last time that you compared the rates and deals of your bank, insurance company, the Internet or cell phone provider? Theres a good chance that there are better options available. Switching your cell phone provider, for example, may not save you $250 alone per month, but you may find a plan thats $25 cheaper per month. Add that to your other saving methods and youll be on track to that $250 goal rather easily.

4. Youre uncomfortable

Being frugal doesnt mean that you have to sacrifice the things that you actually need or enjoy occasionally. It means that youre more cognizant of your spending so that you can make better financial decisions. It doesnt mean that you have to be uncomfortable and miserable by missing out on the things that you enjoy or need like that new mattress to replace your uncomfortable and torn-up mattress.

5. Buying on sale just because its on sale

Weve all been guilty of this. We purchase items just because theyre on sale. But, do you really need that new pair of jeans just because theyre 15% off? Instead of spending your money on the things that you dont need just because theyre sale, make a note of the what you do need and then wait for them to go on sale.If youre like most people, this adds up to be over $250 a month.

6. Cooking at home

Make no mistake about it. Cooking at home is definitely more affordable than eating out every night. But, what about the times that you want to make something that calls for ingredients that youll rarely use. Take Paella, for example. While its delicious, theres a chance that the saffron you purchased is going to go to waste.

When grocery shopping, try to think of meals that use similar ingredients so that nothing is going to waste. Another option would be to join something like Blue Apron or Sun Basket since they provide the right amount of ingredients needed for each recipe. Best of all? Plans start at around $10 per serving.

7. You cant let go

Do you have a house full of stuff that you never use but hold onto them because you might need that snow blower even though you live in Florida? Its time to let some of that clutter go. While I understand that you dont want to buy something if you already have it, take stock of the things that you know youll need.

If you keep accumulating stuff, youll potentially run into a situation where you need to rent storage space because you no longer have space in your home to store it. How is that going to help you save money each month?

8. Buying coupons youll never use

There are some incredible deals on Groupon or LivingSocial. But, are you really going to take that yoga class or eat at that new Italian restaurant outside of town before the voucher expires? If so, then purchase the voucher, but if youre uncertain, then skip the deal.

9. You jeopardize your safety

I dont enjoy throwing away food. However, Im not going to put myself or my family at risk by cooking dinner using expired ingredients. If something is bad, its better to chuck it then risk getting a bad case of food poisoning.

10. Signing up for a new credit card just for the rewards

In some instances, credit cards have perks like rewards, cashback on purchases, and 0% percent APR for balance transfers that make them worth considering. Before applying for that new card, review all of the fine print. This applies to businesses as well. The cost of annual fees and high-interest rates may not be worth those perks.

11. Cutting out all activities and socializing

One of the most expensive expenses youll incur is socializing and participating in activities. Instead of becoming a hermit and isolating yourself from your friends or family, make an exception here and there. If you go out for drinks or attend a concert on Friday night, then stay home on Saturday night. Youre still socializing, but youre also being responsible with your money.

12. You never indulge

Just like with socializing, its alright to indulge now and then. It can be used as a reward or help you experience new things. So, if youve brewed your own coffee at home all week, go ahead and stop by Starbucks on Friday morning. You earned it!

13. Youve taken DIY too far

Thanks to Pinterest and YouTube, weve been tricked into thinking that we can do anything from building furniture to repairing our cars. The problem is that this can lead us to potentially do more harm than good.

For example, changing the oil in your car may sound like a good idea, but by the time that you purchase the oil and filters, it may cost you more money than going to a mechanic. Even worse, if youve never changed the oil in your car and make a mistake youll now have an additional expense: paying a mechanic to repair the damage that youve done.

14. Cord-cutting

One of the most popular trends when it comes to saving money is through cord-cutting. The thing is its not for everyone. If you enjoy watching local sports or shows like Game of Thrones, you may end up paying more money each month since youre still paying for Internet service, a local TV package, and a premium channel subscription. Unless youre not a TV-watcher, cord-cutting may not be your best option.

15. Not calculating your retirement

Saving for your retirement is never a bad idea. Going into it blindly is, however. You wouldn’t purchase a car or home without knowing how much its going to cost you, right? In order to plan and save for your retirement, you need to first calculate how much youre going to need to set aside each month. NerdWallet has a handy retirement calculator that can help you get started on the right path.

16. Putting money into modest growth plans

One of the biggest mistakes that even the savviest savers make is putting money into modest growth plans, such as low APR savings accounts, CDs, bonds, mutual funds, or simple 401(k)s. Thanks to Fintech, your bank or financial adviser will be able to send you personalized investment recommendations so that you can get the most bang for your buck.

17. Not harnessing the power of Fintech

Speaking of Fintech, financial institutions are using this technology so that you can also automate investing and savings by adjusting your budget and notifying you of any changes in your accounts. You can receive customized financial advice through chatbots to make more informed financial decisions.

18. Avoiding cash

Theres a belief that if you have cash on-hand youll be tempted to spend it. The thing is if you only have $45 in your pocket, you cant spend more than that. However, if youre carrying plastic or a digital wallet downloaded onto your phone, you may be tempted to spend money on stuff that you dont really need. In the end, cash may be the better option to keep you financially disciplined.

19. Not automating your savings

Dedicating a percentage of your paycheck to your savings is a given. However, what happens when you place that echeck into your bank account? After your expenses have been paid, you may be tempted to spend that excess cash. To prevent that from happening, you should automate your savings where a small percentage of your paycheck is withdrawn and transferred to your savings account. This way, youre not spending that excess money since its already been placed into your savings account.

20. Buying cheap, not value

You may think that in order to save $250 a month you have to buy products or service that are the cheapest. Just remember, you get what you pay for. For example, if you need a new pair of sneakers and purchase a pair from a local dollar store, theyre probably not going to last as long as a quality pair of sneakers. Sure, spending over a hundred bucks on a pair of shoes may seem like a tough pill to swallow, but theyre more likely to last you several years.In other words, always go value over price. It will be worth it in the long-run.

21. Buying in bulk

Buying in bulk can be a smart move when it comes to items that you use frequently and wont spoil. For instance, household items like toothbrushes, toilet paper, or light bulbs are cheaper when bought in bulk. Food items are a different story. In fact, food waste costs between $1,365 to $2,275 per year for the average American household.When it comes to perishable items like food, buying bulk isnt always the most cost effective solution.

22. Linking your checking and savings accounts

Gone are the days having only one bank account. Today, there is a wide range of ebanking options for your specific needs. For example, you could use one bank for your main checking account because you arent charged any maintenance or minimum balance fees. However, there could be another bank that has a higher interest rate on saving accounts. By separating these two accounts youre not only avoiding fees and getting a better return, but youre also preventing the chances of spending the money that you’ve set aside for that emergency fund or savings plan.

23. Assuming theres a quick fix

When you start saving you first look at reducing your spending. Chances are that reducing your trips to Starbucks or changing your cell phone plan arent enough to add up to $250 in savings each month. After that, you make another cut, then another, and then another until you’ve reached your goal.

The point is when it comes to saving, there aren’t just one or two quick fixes. Its a process that takes time.

24. Focusing on saving while considering how to also make more money

Income is arguably the most important factor when it comes to saving. If youre living paycheck-to-paycheck, then how can you put aside a couple hundred of dollars each month? Reducing the amount of money that you spend each month is only part of the solution. The other part is having additional income that can be placed into your savings account.

Thankfully, there are hundreds of ways for you to make some extra cash on the side even if you have a full-time job. Here and there, working some evenings or weekends can help you easily hit that extra $250 per month and maybe even more!

25. Saving solely for needs

Most financial advisers suggest that you save for needs like a new car, health emergency, or college education. While thats sound advice, when you only save for your needs, you tend to get frustrated and resentful of the entire saving process.Instead, set aside some of your savings for something fun, such as a dream vacation or new TV. You earned that money, so make sure that you enjoy from time-to-time and reward yourself for becoming more fiscally responsible.

John Rampton is serial entrepreneur who now focuses on helping people to build amazing products and services that scale. He is founder of the online payments company Due. He was recently named #2 on Top 50 Online Influencers in the World by Entrepreneur Magazine. Time Magazine recognized John as a motivational speaker that helps people find a “Sense of Meaning” in their lives. He currently advises several companies in the bay area.

John Rampton

Read more: http://ift.tt/2q02HDi

from Viral News HQ http://ift.tt/2p1NjXB via Viral News HQ