#i mean good for them for having literally the bare minimum of standards. Other Sites Should Take Note.

[filmnoirsbian]

When your surname initials are CP

[sleepingpatterns]

“Should I use InDesign to lay out my books?” - A Passionate Guide

Ok, if you are like me, you recently stumbled upon @armoredsuperheavy​‘s brilliant blog about bookbinding and fanfiction, and now you are excited to throw yourself head-first into bookbinding.

This also means that you are about to invest a fair amount of time into figuring out how exactly to lay out books. What you end up getting comfortable with will most likely be what you end up using long term, so it is worthwhile giving it some thought. The question really comes down to this: who's name will you be cursing for the foreseeable future? Adobe? Or Microsoft?

Full disclosure: I only started using InDesign because I was forced to. I worked as an editor at a newspaper, and that was what we used. The beginning was hell. I won’t sugar coat it, it sucks. In the end it was worth it. Once you figure it out, InDesign’s potential far outstrips Microsoft Word (in my opinion).

That encouragement means very little when you open this treacherous program for the first time and see THIS:

“What?! I will literally give you $100 if you guess what all the buttons on the left are for. How the fuck do I make the margins disappear!?”

So, if using InDesign means figuring out what at least one third of the tools on the left are for, lets talk pros and cons.

Let’s get the cons out of the way.

It is expensive. Adobe is not fucking around. This puppy costs 20 bucks a month (Canadian) to RENT. If this is out of your price range, do you still have options? Yes. Do they range in legality? Also yes. I think I could potentially get in trouble for telling you to find your friendly neighborhood torrenting site and steal this software. I will say, outright, that no one should steal software ever. Got it? I would be very upset if someone were to message me for specifics. As you naturally wish to be law-abiding, there is also the quasi-legal option of repeating the 14-day free trial. My friend works at a professional print studio in Russia, and this is the tactic they use: every 14 days they uninstall all of the software from all of the computers, and reinstall it with a new trial. Every 14 days! At a professional operation! My friend hates working there.

It is not initially intuitive. I’ve covered this, but it bears repeating because it is a serious hurdle. Keep in mind, that with time, InDesign becomes more helpful than other software. Now when I use Word I find myself reaching for keyboard shortcuts automatically, and feeling bereft at the lack of my favorite tools. Nonetheless, expect a time commitment up front learning how to harness this glorious and confusing computer program.

It can run kinda slowly, depending on your computer. Up until two months ago, I had the world’s most precarious laptop. I bought it for $200 in 2015. It once took half an hour to restart. Inexplicably, when it got stressed, it would switch to Spanish. It was literally and figuratively falling apart. And yet, it ran InDesign. Granted, it worked slowly. If I asked it to process too many images at once it would panic (again with the Spanish), but for the most part, it worked. If you have a slow computer and are patient, then InDesign will probably work fine on your computer. If you are not willing to suffer, stick to Word.

You will also need Photoshop (sometimes). Part of what makes InDesign glorious is that it is professional software that is designed specifically to work with print and anything text-heavy. I love that about it. It even manages to do some handy things with images! But, inevitably, you will need to learn some Photoshop to punch up your graphics. I have, admittedly, only learned the bare minimum Photoshop in order to feed my InDesign addiction. It was a pain in the butt. For example, inexplicably, Adobe has not standardized keyboard shortcuts across the suite. As with InDesign, now that I’ve learned the tricks, I adore it. But you should go into this knowing that with Adobe, the fun never ends.

Printing signatures is the WORST. Adobe, please explain to me, in front of God and everyone, why the hell you would make this software specifically for laying out books etc. and not include a method of printing signatures?! I’m livid. This is absolutely where Word wins the day. It is almost worth using Word just to print the signatures so nicely and easily. I’m not kidding. Me—a person who has used InDesign professionally—almost wanted to switch software entirely just because of this. Hands down, InDesign’s biggest goof. Despite this crime against bookbinders everywhere, you have options. You can export your design to a PDF and literally print each signature separately (I am fucking livid) or you can complain enough to your friends that they offer to buy you a lovely program called BookletCreator for your birthday. It costs $20 bucks USD and it was worth every penny. However, Adobe, FOR THE AMOUNT THAT YOU CHARGE FOR YOUR PROGRAM, I SHOULD NOT HAVE TO PURCHASE ANY ADDITIONAL SOFTWARE IN ORDER TO PRINT MY BOOK. Did I mention that I am livid?!

But InDesign must be worth something, right?! Otherwise why would I be writing a long post encouraging people to use it? Let’s talk pros:

The horsepower on this baby will blow your mind. Forget what I just said about printing signatures; imagine using software that was literally made for this. You wanna do a thing? InDesign has got you. Are you a perfectionist? This software was designed by people as pedantic and obsessive as yourself. It gets you. Dream it, google how to do it, and InDesign will deliver. This is really the main reason to use InDesign; it is the professional standard for a reason.

There are so SO many resources available to help you learn. Almost everything I’ve learned about InDesign I learned from Google or YouTube. Honestly, if you have a question, I promise that other people have already asked and answered it. The advantage is that because this software is specifically for laying out books, there is lots of information available specifically about how to do what you want to do. (This may also be true for Word, but I’ll be honest, I only used Word for a book layout once, so I can’t say for certain either way.)

Once you figure it out, InDesign will give you back hours of your life. Things like master page spreads, clipping paths, tint, the eyedropper tool, and the one-hundred-percent adjustable text are just... lifesavers. My experience with Word is limited, so my frustration using it was probably due to my own ineptitude, but honestly, when putting together my thesis, the tears I cried trying to get page numbers to format correctly were some of the most bitter text-related tears I have ever shed. I can take care of the whole operation in InDesign in a matter of minutes. Hours. Of. My. Life. Saved.

This is an actual marketable skill. Ok, bear with me here. I have used InDesign for every single job I have had since I worked at the newspaper. That includes working as a bookkeeper and a kindergarten teacher. Hell, I even made my resume to get those jobs in InDesign. There is no job that I forsee in my future that doesn’t include some form of text-based design. Even when my work has absolutely nothing to do with layout (see: kindergarten teacher) I still found some way to use it. My previous boss was actually so thrilled about my InDesign skills that she had me run a 101 seminar for the other employees. (Did any of them end up using it? I suspect not. Did they look at me strangely for being so enthusiastic about design software? Absolutely.) I’ve even managed to use InDesign to branch out from freelance editing to take on design projects as well. In short: if you learn how to use InDesign, put in on your resume. You will be surprised at how much mileage you get out of it.

With Adobe, the fun never ends. I know I joked about it before, but really, I love seeing what this program has in store for me next. For example, thanks to bookbinding, I discovered that InDesign will do a lot of things that I had previously assumed were the domain of Word, such as spell check. I literally stumbled onto a measuring tool today that I wish existed irl to help me glue my covers together. Part of the beauty of this software being so intricate is that there is always something new you can do. I love learning how to harness a new feature, and then watch my design improve over time. Using this program you really get the feeling that the sky is the limit. Look, just the fact that I’ve now resorted to saccharine platitudes about computer software tells you that InDesign is remarkable. Considering that this program has made me suffer so significantly, I have either seen the face of God, or I have Stockholm syndrome. Take your pick.

TL;DR, at long last:

How complicated would you like to go? Either way, for bookbinding you’ve got to learn to use software in a new way.

Do you just want to get your book laid out reliably with little fuss? Word is for you! Are you interested in delving into the details? Do you have the patience of a saint? Try InDesign!

Both work. Both are good. But you can pry InDesign from my cold dead hands because I adore it.

[alternativewinxcontinuity]

I absolutly love the Umbra corps au, could you talk more about different classes. Is there a class on how to obtain new forms. And could you talk about cloud tower and red fountain classes?

This ask kicked my (metaphorical) ass, I’m so sorry for the delay.

I do ramble mostly about Alfea, and I feel like there’s probably more to talk about with the other schools, but I feel like if I don’t post this it’ll be waiting for another few months.  >.<’

Alfea:

The first year of Alfea is spent in what are essentially micro-courses. A series of short introductory classes to most of the available options at Alfea, this gives the students one of the broadest beginner bases in terms of fairy magic as a whole, but it also allows them to figure out what kind of courses are likely to appeal to them, what they're good at, what kind of career they'd be well suited to based on where their interests and the job requirements over-lap.

Because Alfea is a “fairy only” school, it is able to focus on fairy magic and interests more than schools which have different magicals and have to find a common ground with only a few speciality electives.

This is what has allowed Alfea, and also Cloud Tower and Red Fountain, to shine in their various fields.

The sheer number of (what are essentially) elective courses means that it can take (on average) anywhere from 3 to 5 years for the average student to graduate, although some students do remain 'part-time' students for longer.

Abnormal class times are also a common side effect of the multitude of electives. While a good majority of classes run from early morning to mid afternoon, some classes take place later at night or on 'weekends' so all the students who want to attend them can.

('Part-time' students are either students who have effectively graduated but maybe require a specific course to get the job they want so only show up to campus for that specific class and spend the rest of their time off working, or are only taking a few classes per week and thus have time to go off and do other things or spend more time in self-study.)

As a magical building, Alfea has plenty of unseen infrastructure hidden within, but it also possesses several satellite buildings including off campus overnight accommodation typically used by older students with odd hours or part time students who need accommodation for only part of the week, numerous greenhouses, and a ranger cabin at the Nature Preserve Alfea oversees.  

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Not all courses are held on campus.

Sometimes students have interests for which courses aren't available at Alfea. In the instance that a guest teacher can't be found, Alfea will often arrange for students to attend classes at a different school for those lessons.

Students will either teleport themselves or be teleported by other students who are capable if the campus is too far away for physical transport (like the school bus) to be a reasonable travel method.

(Reasonable meaning it doesn't take longer than the lesson just to get to the site, never mind the return trip.)

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Since a fairy's instincts are one of their most powerful tools, there is a class that focuses specifically on getting in tune with themselves, those who stay in that course after the initial term begin a course on philosophy that focuses on fairies and their powers as a whole. This course is an elective and does take a look at the specific mental and emotional requirements behind fairy transformations. (The lectures on Forms and power advancement are 'open door,' so anyone who's interested in 'levelling up' or re-tuning themselves after a power up are able to sit in on them.)

This is not to be confused with the course on wider magi-philosophy which looks at the cultural philosophies on magic from around the Magical Dimension and is one of the courses recommended for diplomats or travellers.

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There are several different courses on transformation type magic, most of which start with what are essentially cosmetic spells like changing hair colour or texture. This is partially to teach the students how to do the basics, how the basics feel when cast, and to appeal to teenagers who are figuring out who they are as people by giving them the ability to see how attached they are or aren't to certain aspects of their appearance.

This course separates into internal (shape-shifting) and external (raw wood into a cup) applications. (The 'basic' matter merge exercise is a first year taught spell for external transformation.)

All students are required to learn a bare minimum of healing magic, the equivalent of fairy first aid, but also normal, non-magical first aid as well. Further courses on healing are available, but most are higher tier and only those with an intense interest or an aptitude take them.

Magic languages are a higher course, but the basic introduction to runes, and some of the most common magical symbols are part of the first year introductory course.

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Classes non-fairies would be familiar with are available but often entwine with electives the higher they go. For example: Basic mathematics is one of the standard mandatory courses, but Book Keeping is part of the “how to not let your kingdom fall apart” course which covers budgeting/money managements and how to calculate food and medical needs for a populace. (This course is taught by Madame DuFour who also teaches etiquette, some parts of the Magical Languages courses and courses on various cultures from around the Magic Dimension.)

These types of classes, as well as several other also have a partial open-door policy and the notice boards often have time tables on display for the open door times and subjects.

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While single students who are sick might have a few days off, if the school were to go into a quarantine lock down, each dorm is equipped with enough computer terminals for all students to attend classes from their rooms.

The Main dorm room is also equipped with a holo-projector so that members of the dorm can sit together if they have the same class.

Teachers typically have their own personal classrooms which can be set up to indicate who is and isn't present for lectures if they don't want to just lecture from their personal rooms.

Quarantine Lock-downs also engage a shield over the school which is the only shield that automatically closes access to the catacombs as well.

Alfea, like all three of the schools, has enough food to last a month for the entire school without rationing, this is because the school is filled with teenagers who are growing both physically and magically and can have enormous appetites.

But also the school has a home ec. cooking class, which many consider to be a side course to the potions courses, and ensures every fairy leaves Alfea being able to cook at least three dishes well enough to be edible.

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Alfea graduates are some of the best Fairy God Mothers and Guardian Fairies in the Magical Dimension, but graduates also do other things as well.

In addition to the so called Umbra corp, Alfea also has graduates who specialise in Medical Magic, diplomacy, artefacts, Magi-Archeaology, and 'Planet Repair' whose responsibility is to help a Planet's environmental conditions return to normal after a huge upset, whether natural or as the result of dark magic.

Many Royals and nobles have passed through Alfea's halls, but there are no truly dedicated classes for them, at most they are recommended to take etiquette and economics as well as basic leadership and diplomacy courses, but many of them receive private tutoring on such matters before they even arrive at Alfea so none of the courses are mandatory. (Various worlds have various cultures, so the majority of etiquette classes focuses on the parts which are universal, except for the advanced course for diplomat hopefuls.)

-

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Cloud Tower:

Like Alfea it's a speciality school, focusing solely on Witchcraft and it's related branches.

One of the major differences between Witchcraft and Faircraft (see also: Faecraft), is the type of energy and basic effects it uses and produces.

Witchcraft, and therefore witches, use negative emotions to bolster their inherent power which leaves them susceptible to negative mindsets. One of the most important classes at Cloud Tower is course which is part philosophy, part psychology and part spiritual, which all witches are required to take.

This class is designed to help young witches learn their personal limits, the signs of falling into madness, how to keep oneself from falling too far, and how to counteract some of the more toxic emotional effects of their craft.

Many of the courses found at Alfea have an equivalent class in Cloud Tower's curriculum, but very few are taught from identical mindsets.

Ancient Runes and such, which are 'spell shapes' that are deeply entrenched in the 'consciousness of the Magical Universe', are basically a hot-key for a spell effect and don't require a specific positive or negative charge in the magic used to cast them therefore anyone with enough magical power and knowledge can use them regardless of fairy, witch or wizard, and no special adaptations for their use are needed.

Potions for the most part are also very similar, but witches have a tendency to focus on more 'harmful' potions than fairies. Cloud Tower has a special course on poisons as part of an advance potion making branch, the first few weeks focus on identifying a poison and crafting the antidotes.

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There is one job that most witches secretly hope to be worthy of earning before most of them settle into their own expertise, and that is a job they refer to as “the anti-fairy-god-mother”.  Almost every planet has one, and they're typically attached to the world's Guardian Fairies.

The basic job description is “cause problems on purpose”.

Their proper purpose is one that is found in Earth's fairy tales, the 'educational punishment of the morally corrupt'. These witches are trained heavily in psychology and curses and literally go around cursing people in ways that force them to undergo personal growth (or perish).

The reason they're attached to the Guardian Fairies of a world is so that they don't go unchecked and actually perform their job, and so that there are people on hand should a curse go out of control.

These witches aren't publicly acknowledged as being members of the Guardian groups so that they can move more freely.

The difficulty in this pathway is the training needed to prepare for the job, the ability to figure out how to get the lesson across. The exact number of these witches is unknown, though it is considered a rarer profession. (There is at least one world which only has 'one immortal witch/dark fairy' in the role, though in truth there have been hundreds all using the same appearance to create a legend.)

-

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Red Fountain:

Red Fountain is a Magic Lite school, focusing more on the physical aspects of combat and therefore covers a large array of weaponry.

Their courses include more 'primitive' skills like tracking by sight, survival in various environments and handling creatures of lesser intellect. (IE. Dragon Wrangling)

Dragon Wrangling it one of their most “magically inclined” classes, training students to use minor psychic and empathic projection to communicate their will to the dragons. (The dragons in this instance are a special breed which are already sensitive to psychic and empathic communication.)

Students of Red Fountain are taught to not only use weapons, but craft and maintain them.

The ships and vehicles used by Red Fountain for missions are also maintained by students in the engineering department, one of several 'specialty' courses that the school runs.

Since most students lack in magcial ability (those with strong magic often preferring schools for magic users) their “magic classes” have more to do with identifying spell usage or the presence of curses, strengthening their will to resist mental manipulation magics, dealing with magic when they have none, and knowing when to call for magic-capable backup.

Though students on assignment are typically hunting down dangerous creatures in smaller groups, the school does have classes for larger scale battles and defending large structures. Red Fountain's version of capture the flag is a school wide, week long affair that goes a little harder than it really has to, and gives Alfea and Cloud Tower's healing majors the chance to work along some of the more skilled healers in a reasonably safe crisis situation. (The only Red Fountain students who are safe during this period are their own medics, but even that is not guaranteed. Thankfully no one has died during a game since Codatorta was a student.)

[child-of-sunshine]

Just gotta rant for a minute so this is going under a cut

I can’t stand the way tumblr in general talks about “rich people” (which they can’t define to save their fucking lives) and particularly when they mention “millionaires” as though it actually means something significant in terms of wealth. 

First, no one seems to understand that by today’s inflated standards, a million dollars really isn’t that much. A quick google search will tell me that the average “middle-income” parent in America will spend over 250k to raise a child from birth to 18 years old. If a couple has 4 kids, they’re already spending over a million dollars on those kids. Yes, that’s over 18 years, but it’s still meaningful.

If a person makes 100k, which is supposedly the 85th percentile of income, it only takes them 10 years to make a million dollars. And yes, obviously they’re spending money too, and it’s not like their savings or their net worth are going to be a million in that time, but people don’t even seem to comprehend that their earnings over that time would literally be a million. Someone earning the average American income, let’s say 50k because I get conflicting information from various sources, would only take 20 years to earn a million dollars.

And calling “millionaires” (putting that in quotes because people (a) do NOT understand the difference between net worth and actual liquid assets or even income) rich, particularly in the context of the “eat the rich” rhetoric, is ridiculous. I know this site has a serious problem with black-and-white thinking, but for fuck’s sake.

Let’s take a look at my parents.

My dad grew up in a relatively low-income household. His mother’s grandparents came straight from Italy with a few dollars in their pockets and nothing else. Her family struggled to get food on the table at times. She worked very hard as a seamstress and married a man who had a good job at Ford back when that meant actual benefits including into retirement, and so they managed to raise two boys without having to worry too much about being able to afford food or housing. They saved like crazy and spent the minimum that they possibly could on themselves, so that when they reached retirement, they had a pretty decent amount of savings for the rest of their lives and could finally enjoy some luxury vacations and get a small but nice house in Florida.

My mom grew up in a truly low-income household. She was the youngest of five siblings living in a tiny, shitty town in Nowhere, Michigan, with two parents who smoked constantly, in a house that sat next to some kind of horrifying mystery waste pond (she and both of her sisters had cancer, my mom at just 36, and one of her brothers died from some kind of unknown neurological deterioration). Her father got TB and spent time in a sanitarium, after which he became a withdrawn alcoholic and then died relatively young. Her mother became depressed, stopped working, and died of cancer. My mom lost both of her parents in her early 20s, before she even met my father.

Both of my parents were gifted with the great privileges of great brains and being white. Even in their crappy hick town in the middle of nowhere, my mom managed to be in the top of her class (of 56 whole people) in high school and earned a scholarship to a state university, literally the only way she could have afforded to attend. My dad worked to pay for his college as far as I know (because back then you could actually do that). They both got bachelor’s degrees. My dad became an engineer, a good career, and quickly found a job with a relatively new, small local company. He worked extremely hard, long hours for years and moved up to being a manager, and the company has grown a lot over the 25+ years he’s now worked there, with the result that he now makes a low six-figure salary. My mom took a computer programming course after realizing her journalism degree wouldn’t get her much paid work, and has worked as a programmer for 25+ years now, switching jobs sometimes, usually making somewhere in the 60-70k range in the last decade or so.

My mother got pregnant with my sister around the time she and my dad got engaged. She was working a crappy programming job and he’d barely started as an engineer, making nowhere near six figures. They lived in a trailer park, in a trailer with a hole in the floor and steps that were a safety hazard. She’d spent some time living with her sister, who’s 13 years older than her and never had children (thus had a house and some savings). My dad’s mother, the seamstress, made my mom’s wedding dress for free as long as my mom bought the material for it, which was just about all they could afford. They had a nice, small wedding when my sister was about 2 (she was afraid of my mom’s dress lmao) and one of my cousins took the pictures.

Four years after my sister was born, my parents had saved up enough to put a down payment on our house, a moderate-sized family home in a suburban neighborhood that was just being built. The house was a little over 200k. She got pregnant with me and the house was finished just after I was born.

My mom got cancer when I was 2 years old. They haven’t talked to me much about it. Her sister spent a lot of money to buy her a really nice wig made of animal hair (which, unfortunately, she could rarely wear because it made her very itchy). She went through surgery, chemo, and radiation. She spent months sick as hell and miserable, while trying to raise two young daughters. Thankfully, they’d saved enough to be able to handle the medical bills, particularly with my dad’s good job that had good benefits and, by then, was paying him a pretty decent salary. My mom recovered, thankfully (over 20 years in remission now!).

In 2008, when the recession hit, my mom lost her job quickly. She tried finding new ones but couldn’t. No one was hiring programmers, they were getting rid of them. Her depression got a lot worse. I was in high school and depressed myself (in large part because of the situation at home, though my parents don’t know it, that became suicidal depression a while afterward), and they had to start paying for therapy for me. My sister was in college and had to try to pay for it herself because my parents’ college fund for her hadn’t gone as far as they’d hoped. My dad’s company supplies machines to auto manufacturers. They were worried. They laid off some people, thankfully not my dad, and others had to take pay cuts. My parents started sitting down and seriously going over finances. My mom and I had to completely quit figure skating, my only physical stress outlet (like I said, that contributed a LOT to the severe depression). We had to cut down the grocery bills and think about not buying gifts for family members’ birthdays and such. My grandparents, happily retired by then with good savings, paid off the rest of our mortgage and told my dad to pay them back without interest whenever he could, so that no matter what happened with the jobs, we at least wouldn’t have to worry about losing our house. I listened to my parents scream at each other over money and I cried myself to sleep a lot of nights.

Guess what? My dad is a millionaire. Definitely not in liquid assets, but in net worth he probably just barely hits 1 million. He now makes a low six-figure salary and when the economy is doing okay, he invests some of it in the stock market, mostly in low-risk stocks that are guaranteed to have payouts (I don’t know a lot about this, so that’s all I’ll say). He inherited/learned his dad’s extreme money-saving ways and saves as much as possible. He’s an engineer and very handy, so whenever possible he does home and car repairs himself to save a lot of money. I managed to get a scholarship that covered almost all of my undergrad tuition, I lived at home for half of undergrad and all of med school to save money, I worked in retail in undergrad and as an EMT in med school to pay for some of my own stuff, and they didn’t pay for any of my med school tuition, so that’s it for their educational expenses for me. My mom’s had a good, stable job for the last few years that pays in the low 80k range, I think. We live in a house worth ~250k that we now fully own thanks to my grandparents. 

A few years ago, my dad’s brother bought a crappy, tiny, nearly-condemned cabin in the woods up north for about 20k (seriously, it was shit). He and my dad put in a few hundred dollars and a TON of time and manual labor to fix it up, and now we pay half the bills on it and both of our families use it for vacations. We have a small (19ft) boat that my dad bought as a gift for my mom when she had cancer--he got it extremely cheap from a guy who’d bought it, barely used it, and just wanted rid of it. It’s a 1994 and full of problems now, but we’ve managed to keep it going (barely, at times) and my dad has taken really good care of it over the years. A friend of my dad’s got him into snowmobiling about a decade ago and once his brother bought the cabin and they fixed it up, my dad got a cheap, crappy used snowmobile, which he used for a few years before reselling it and upgrading to an actually nice, new one, because yeah, he could afford it. He’s upgraded a couple times, good for him. When I actually have the time off, I go up with him in the winter and ride one of his old ones that he kept and fixed after it had an engine problem. It doesn’t cost much to renew the trail permits each year and I borrow my uncle’s gear for riding, so other than the initial cost of the sleds, it really costs us nothing to go riding (gas is extremely negligible in snowmobiles, they can go 120+ miles on a single 8 gallon tank, and we store them ourselves at the cabin so we don’t pay for that). We store the boat in our garage at home (like I said, it’s small) so other than the permit and gas for that when we take it out, again, really no continuous expense.

My parents pay all of their taxes without trying to do any bullshit work-arounds. They don’t have a lawyer or a tax accountant or a financial advisor, my dad does it all himself. He keeps track of all of our finances himself. We don’t pay a landscaping service or a cleaning service or any of that crap, we do it all ourselves like any other middle-class family. My mom donates regularly to charities for cancer, animal rescues, and injured veterans. 

But to tumblr, incapable of seeing nuance, we’re “one-percenters (absolutely nowhere near true) who own a house and have a ‘vacation home’ and a boat and recreational vehicles” so we’re pretty much just as bad as Bezos, because anyone who isn’t actively struggling to put food on the table or in horrible medical debt because of our disaster of a system is apparently “rich” and there’s no such thing as shades of gray.

[weditchthemap]

A Reflection on Zero Waste Living in a Consumer-Driven Capitalist World

Overview of Article

After spending two weeks volunteering on a sustainable, zero waste, farm I was inspired to take a deeper look into the concept of “zero waste.” This blog examines what waste is, the impact of wasted/unused food, how our environment is being destroyed, and the detrimental consequences of compulsory consumerism. I also elaborate on the zero waste techniques and principles that I learned while living on the farm. This is by no means a comprehensive guide to zero waste as the subject matter is vast and research continues to grow but I hope it provides some valuable insight and illuminates the magnitude of the issues we and our planet face. Perhaps it will inspire you to incorporate selected practices into your own life.

Why We Chose to Live a Zero Waste Lifestyle for Two Weeks

After we returned from our first trip traveling around the world we took up a minimalist lifestyle.  We joined, and I later became president of, the official Philadelphia branch of the minimalist movement.  We became increasingly aware of our consumption of resources.  During our journey into minimalism—be it through social meetups, lectures, or our own research—we repeatedly came across the phrase zero waste. We had a loose idea of what this meant but wanted to explore the lifestyle further…enter volunteering on a Zero Waste farm on the Turkish Riviera.

Sylvie and I arrived at our zero waste farm in Dalyan, Turkey with the mid-July heat in full effect. We had found the farm using workaway—a website connecting traveling volunteers with local hosts.  You can read our past experiences along with what to expect from workaway.  We have volunteered around the world more than a handful of times, often working on organic farms, but this would be our first zero waste experience.

What Does Zero Waste Mean

Initially I did not like the term zero waste. I felt the phrase to be a result of deceptive marketeers trying to push an agenda, on par with suggesting that eating chocolate is good for your heart and that American cereal is actually part of a well-balanced diet. The idea of producing absolutely no waste is thermodynamically impossible—our utter existence creates waste. However after a few days my understanding shifted as I became more open to the concept—the idea is more of a goal than a hard target.

The Term Zero Waste refers to a “set of principles focused on waste prevention that encourages the redesign of resource life cycles so that all products are reused. The goal is for no trash to be sent to landfills, incinerators, or the ocean.” ref.  The focus of zero waste is on waste prevention as opposed to end-of-pipe waste management.  Because of our consumerist-driven culture we cannot rely on companies to make these changes for us as it is in direct opposition with capitalism and its profit maximizing objective ...a grassroots effort from the consumers is the only meaningful way to implement these principles on any scale. This idea is later discussed under the productization section.

What is Waste?

Most people consider waste to be stuff that they no longer have a use for and therefore end up tossing it out with the garbage.  Most people see empty plastic bottles, unused food scraps, chipped tiles, and broken electronics as waste. Thanks, in part to our consumer-driven culture, we associate many items as being trash after their initial use. We buy a widget, use it until its initial purpose is consumed and then throw it in the circular teleportation device that magically empties itself on a weekly basis, for me it was on Thursday mornings.

Some of our waste ends up in landfills that are run by private companies that profit from storing as much waste as possible. Some local regulations are in place about site management but it would go against shareholder interest for a company controlling a landfill to take any precautions above the bare minimum. Landfills contribute to climate change, toxic soil, and a mound of other issues. The volume of our trash that does not end up in domestic landfills gets sold to developing countries with even lower standards of waste removal. Over 40% of all waste ends up in uncontrolled dump sites—much of this trash ends up in our oceans. 

Waste Stats:

14 billion lbs. of garbage is dumped into our oceans each year. Most of it being toxic to marine life.

The average American produces 4.4 lbs. (2kg) of trash per day (that’s over 1600 lbs. of trash per person in one year).

Americans make up 5% of the world’s population but contribute 40% to the world’s total waste.

Most communities spend more money on waste management than on schoolbooks, fire protection, libraries, and parks.

If the 140 million cell phones which are thrown out annually in the US were recycled they would save enough energy to power 25000 homes for a year. 

What we did on the farm to reduce waste:

During our time on the farm we revamped our perception of what trash is. We considered not only the primary use of something but its usefulness after its initial consumption. Things that we could not find a sustainable use for were not purchased and taken back to the farm. Shopping at local markets allowed us to rid our shopping bags of unnecessary plastic packaging. We created a beautiful mosaic in the bathroom using broken tiles that we salvaged from a construction site. We turned Sylvie’s broken straw hat into a small dish to hold teabags. We tied the tomato plants and gourd vines using strands of hemp and twine. We built a shelving system using an old door along with some wood from a broken piece of furniture. I learned that a consumerist’s trash can be repurposed in a multitude of ways—a task that really gets the creative juices flowing.

Water Waste and Why it Matters

For people living near a seemingly endless supply of fresh water it is hard to imagine what water waste is. There are several impacts of water waste but I will only mention two of them. First the process to recover water used in our houses and businesses requires energy. Saving water saves energy and limits the use of harsh chemicals and therefore reduces global emissions. The second reason is a bit more complicated as it has to do with the water cycle. When a farmer waters their crop the water goes into the ground and may take hundreds of years to end up in a reservoir of some type. Because our continual use/waste outpaces the time it takes the water to return to the aquifers we are quite literally reducing the fixed amount of usable fresh water. A water-rich region that wastes water is stealing the water from future generations of water-poor regions around the world.

Water Waste Stats:

The average American uses around 575 liters (152 gallon) of water per day, more than 2x the average European and over 30x the average person living in a developing country.

Less than 1% of the world’s water is freshwater and available for us to consume (not trapped in glaciers).

A European Commission's Joint Research Centre study found that serious conflicts over water are going to arise around the globe in coming years.

1 glass of milk requires 1000 liters of water.

What We did on the Farm to Reduce Water Waste:

On the farm we limited the showers we took—though I’m not sure rinsing ourselves with a garden hose would constitute as a shower anyways. Most of the volunteers cleaned themselves daily by jumping into the nearby river. The only faucet in the house was shared by 10 people and I would estimate that the total time the water ran in a given day was less than 60 seconds. We had a system in place for how to clean dishes. After meals we would heat a small amount of water and place it into a bucket. The water was then mixed with soap and we hand washed our dishes. Afterwards we rinsed the soap off using a second small bucket of water. After spraying the dishes with a 3% hydrogen peroxide mixture we set them to dry. A few gallons of water was all it took to wash all the dishes of 10 people for 3 meals in an entire day. When watering the plants we made sure to focus on the roots, which also helped to limit soil erosion.

Food Waste and Why You Should Care

25% of the world’s fresh water supply is used to grow food that is never eaten—food waste is an extension of water waste.

Additionally, the solid waste in landfills decomposes into methane while waste exposed to the air decomposes into carbon dioxide. Methane is a gas with a greenhouse effect 25x greater than that of carbon dioxide. Basically when solid waste goes to a landfill it contributes to climate change 25x more than if it was composted or even left rotting on a vine.

Then there are other aspects of food waste such as energy consumption used to produce, transport, and store the extra food. I won’t even mention the havoc that synthetic fertilizer has on our environment.

Food Waste Stats:

1 kg of unused beef equates to the same water wastage as keeping a shower continually running for 4 days and 8 hours [50000 liters].

America alone wastes over $160 billion a year in food waste.

Americans throw out 43000000 lbs. of food each day (tossing away more than half of all food).

The food wasted worldwide could feed half our globe’s population.

If food waste were a country it would be the third largest emitter of greenhouse gases.

Over half of all food waste takes place in the home.

What we did on the farm to reduce food waste:

We would not cook more grains until we ate what was left from prior meals. Sometimes rice, bulgur, and lentils would last us 3 days. By day 3 we would get creative by mixing all types of leftovers into new and unique mixtures of food. We would feed our food scraps to the ducks and chickens the following day while items that had no nutritional content would be added to the compost pile. We also ate only locally grown food to limit our energy use as transporting foods comes at a large energy cost.

The Problem with Productization, Why We Cannot Count on Companies

Let’s face it, we live in a consumerist world that is driven by capitalism. Companies make and sell products, that’s just what they do. They may state to have multiple objectives but their primary aim is to make money for their shareholders—you can actually sue a company that makes a decision that is not in line with making the most money. I get sick after watching 1 episode of Shark Tank—you will see people more interested in “making it big” than on how to substantially improve humanity. We now live in a world where our culture values making money over helping people. If we value our own well-being over our neighbors how the hell are we going to get people to care about something as abstract as our planet? Most people are somewhat conscience of this problem but are too lazy, or maybe too brainwashed, and will look to companies for solutions. A consumer buying a product that marketers promise to be sustainable, green, or use recycled material is only falling victim to the trap of capitalist-driven productization.

A large problem with capitalism is that it is shortsighted, allowing for single entities to consume resources for immediate gain without providing an equal level of responsibility to its long-term damage/impact. Think about old mining towns, fishing villages, coal plants, oil wells, diamond mines, etc. where companies profit from the resources in that region. 10 years later the executives are sitting on their multi-million dollar yachts while people in the towns struggle to pay their health bills. This is what I mean by direct gain without long-term responsibility. The notion that a few people benefit at the expense of the many is what disgusts me of capitalism. Resources are finite and capitalism only aids to redistribute them. Gold into money, land into money, labor into money, etc. This mentality has been running at full throttle for decades and has left the masses morally bankrupt and in the endless pursuit of the proverbial carrot. This system was built during a time when there was enough abundance to be shared but we no longer live in that world. Did you know a young couple could actually support themselves through grad school with children working part time jobs only 50 years ago. Fat chance now! Capitalism, by its own nature, will continually concentrate our limited resources to fewer and fewer entities. Class warfare anyone?

I propose a system where we stop treating everyone and everything as a transaction for personal gain. Stop with this illusion of branding and image, it’s as fake as the photoshopped legs on this year’s Sports Illustrated cover model. Everyone will get old and wrinkled and your new car or couch will eventually rust or break. Start developing your inner worth and stop buying into this idea where your worth is even remotely connected to dollars and our plastic appearances. Develop your inner worth and you will break free of relying on something else, like a company, to set your worth.

A company may claim to be ‘green’ or use ‘recycled plastic’ but these are marketing tactics to allow a consumer to feel good about their purchase (trust me I worked as a marketing strategy consultant). Any product truly produced in a sustainable manner would be priced out of the market and developed at too low a production level to serve a population other than a regional community. You have to remember that any product you buy from a company has been produced solely for the purpose of maximizing income. Capitalism in America has led to the complete disconnection between the products we buy in the store and the impacts of its production.  Thank you corporate America for successfully making profit your primary goal (read with sarcasm). I am not suggesting that buying things are bad but the market in which we participate does matter, has an impact, and is a form of activism.

— Below is an example of how a profit-maximizing company runs an egg production business where money is the prime objective. —

Egg production in profit maximizing company:

Since land, shelter, and equipment cost money chickens are crammed inside a warehouse to provide the largest yield per acre. Hens are crammed so closely that they do not have room to open their wings.

During sorting male chickens are thrown into a shredder since they are considered waste as they do not lay eggs and therefore do not generate revenue.

Hens have portions of their beaks burned off to prevent pecking each other to death (this phenomenon occurs when hens are forced to live in tightly confined spaces)

The areas are so cramped that the chickens defecate and urinate on themselves.

The light in the factories is constantly manipulated to maximize egg production.

Occasionally hens are fed reduced-calorie diets to induce an extra laying cycle every so often.

Chickens are fed corn,  an unnatural diet, as it is the cheapest form of calories thanks to government subsidized production.

Even companies that market ‘free-range’ only have their chickens free to range for a few weeks of their life before being locked into their cages where they will lay eggs for the rest of their short lives.

After 2 years of these extreme conditions they are bulk sold to the pet food industry, studies have shown that over 30% of these chickens suffer from broken bones due to neglect and harsh living condition.

Read this article to learn more about the realities of egg production. You can also watch the video below!

The more you look into how our products are made—and you don’t have to look too far— the more you can see how disgraceful our profit optimizing system has become. It’s all driven by maximizing revenue and minimizing costs—or profit as it is called in the business world. Did you ever stop to consider that you food you are buying for your dog may be helping to promote the harsh conditions in the egg production industry, or the devastating impacts of the overproduction of corn and monocropping, or the damages synthetic fertilizers are causing?

 Eggs are not just products! When will we start caring about the processes that create our outputs? As long as America’s materialist greed for the never-ending desire for more prevails we will be stuck with this problem at a cultural level but it doesn’t have to stop there. The choices you make and the things you buy are a form of activism. 

 The creation of products, or productization, is the problem—companies create things for us to buy. This creates a culture where consumers look to companies for ‘solutions’ to their ‘problems’—though smart marketers will often create problems consumers didn’t even know they had. This is why we have products like ‘cage-free egg’ and ‘the impossible burger’. They are marketing their way around the issues that they are creating. The impossible burger, a machined product that is made from more than 20 ingredients/chemicals including genetically engineered yeast, Soy Protein Concentrate, Methylcellulose, Zinc Gluconate, multiple oils, etc. is not the type of thing I want to put inside my body. I think I’ll stick to something less manufactured and something more ‘food-like’.

 It has taken me years to recognize that buying the lowest price item almost always costs more, just not in dollars. The only person happy to participate in the low low prices driven by our consumerist-motivated lifestyle is the ignorant consumer. Don’t be one!

Product Waste Stats:

Packaging represents 2/3 of household trash.

4% of the world’s children live in the US but Americans buy (and throw away) 40% of the world’s toys.

Between 8,000 and 10,000 disposable diapers are used and thrown away before an average child is potty-trained.

Disposable diapers will still be in the land fill 300 years after they were put there.

Traveling extensively for several years had already allowed us to break the cycle of thinking we need to consume things being marketed by companies. On the farm we stayed away from packaged product all together. We bought eggs from neighbors that take care of their chickens and let them feed on insects and graze as they please—when the chickens get too old to lay eggs they simply roam free on the property. Did you know that chickens consume crop-eating insects and fertilize the fields at the same time? Our water did not come to us inside a Pepsi-branded bottle but from a local well several kilometers away. We used reusable water bottles like this one here. Sodium bicarbonate was used in place of toothpaste and handmade soap was used in place of shampoo and dish detergent.

Final Words on Zero Waste Living

I realize that living a zero waste lifestyle may not be for everyone—using a composting toilet can be a tough hurdle for most people. I chose to live Zero Waste not because I thought I would make a difference or change the world but because ultimately I have to live with the decisions I make and the person I respect most in this world should be myself. The more we travel the more we are exposed to and it becomes increasingly more difficult to be ignorant to our actions. If you walk away from this article with only one message I hope it’s this, “consider the impacts of your actions and stop living a life of intentional ignorance”. Next time you buy your discounted dog food, cheap gallon of milk, or half-priced pair of jeans ask yourself what their true costs really are.

Don’t forget to pin this article and share it with your friends.

[okaywowcool]

Let’s Talk About ASOS’s New Sub Brand, Collusion.

ASOS just released a new sub brand called Collusion, a collaboration between ASOS and young influencers (who seem to be taking on some kind of design or curator role for their first collection, though to what extent is unclear) which purports to be specifically for young folks “coming of age,” which seems to be defined loosely--the 6 influencers involved at launch are 18 - 23, but older and younger faces seem to be featured in ad campaigns and on their social media accounts. 

first of all, the line itself is very cool. the brand immediately makes some bold claims...things we’re used to seeing at this point from a lot of brands looking to make a buck off of progressive millennial and gen z shoppers, about size inclusivity (which is what we’ll be tackling in the most detail for this little post), experimental fashion, and a vague statement about the collaborative aspect of the line. we also get some more concrete claims, that everything is animal free and that the “majority” of their cotton is sustainably sourced.

i of course was instantly interested, the website was cute...

and their mission for fashion was insanely close to things that i’ve written for my own brand on my website.

all the listings on the site immediately take you back through to ASOS’ page for adding to cart and checking out however, so you’re back to seeing the typical ASOS model look and product listing page there. 

the prices are also quite good (more could be obviously said to this subject, the cotton may be sustainable, but who knows the wages of the workers are making these products & i’m not aware of enough to even comment on it in more detail than that), with the most expensive pieces being still under $100 (for coats and jackets) but the majority of the line being well under $50, in the $20 - $40 range. 

the models being used in campaigns are cute and refreshing, i like that brands are willing to take risks on more “real” looking people right now, though plenty of indie brands have been doing this for years w/ zero accolades so i have to admit (as one of those indie brands) that it is frustrating to have fast fashion brands get rewarded for inclusivity that would be considered bare minimum for most actual artists. 

i like their choice of influencers for this first collection and feel like the actual pieces and concerns that the influencers are bringing up are timely and that the final result of their collaboration (to whatever extent they were involved) feels like it rings true from the statements in their bios on the collusion site. 

plus size representation (for a brand that specifically claims to be size inclusive) is strangely absent in their first group of influencers, and on their social media...it’s a hole that i feel like is very much felt once you start looking at their actual plus sized offering. 

there’s not really any across the board sizing, usually i would expect all pieces in a collection to come in at least a specific size range, but these are kind of randomly distributed where the pieces are true plus sized and where they are not. when you break it down, there are literally only 10 pieces total that come in a size US 16 and above...which is an XL in most retailers. 

(no, literally. that’s all of them. i’ve zoomed out so you’re able to see all of these pieces at once.)

20 pieces come in a 2XL (which is the highest size they list in most of their dialogue about the size inclusivity) that are all unisex, jackets and tops. 

(a little more fun at least, though i’m getting extremely sick of boring cishet people thinking “unisex” means “boxy top” and nothing else ever)

with many of the pieces designed to fit oversized, i feel like most folks would be able to fit in those 20 unisex pieces, but they’re not necessarily the best pieces in the line by my standards...with the Actual 10 plus sized garments being even more basic. 

now, i’ve gone and picked up two of the dresses from that list of 10 plus sized pieces (both shown in the header above), the stripe midi dress (plus version / straight sized version) and the black roll neck sweater dress (plus version / straight sized version). luckily the sizes aren’t priced differently, and i thought the price on both of those pieces was really good, so i’m eager to see how they actually fit IRL. but i thought from those photos that the pieces were actually sewn to fit pretty differently for a plus sized consumer, and i’m a bit baffled about why. 

i’ve seen on shows like project runway, tim gun faces the workroom during a “real bodies” style sewing challenge and says something about how plus sized bodies are different and so you should make different silhouettes for them, but it’s never been something i’ve personally subscribed to. if i buy an oversized smock dress, or an oversized sweatshirt, and it’s actually coming to me in plus sizes, i expect it to come looking the same on me how it does on the straight sized model, specifically in terms of the fit and drape. 

before one of y’all heathens comments some useless nonsense, let me explain what i’m talking about just with the two images above as a representative example. now obviously changes in height and body proportion are one thing, but the neckline on the straight sized dress looks higher, like a mock neck, the sleeves are slightly off the shoulder, the waist line is more dropped, the bodice fits more loosely, the sleeves appear longer (which might be accounted for by the plus model just having longer arms or being taller) and there’s enough fullness to the skirt for the straight sized dress that it almost appears pleated. the plus size silhouette is missing all of that, like almost looking like a designer knock off of the dress on the left and missing a lot of the charm that the dress on the left has in terms of what it is doing, visually. 

maybe it’s just me but it is almost wacky looking to me in terms of difference. i’m hoping half of it is the photos that they’ve selected for this plus sized model (which aren’t at all very fashion...y....if that makes sense lol) but it’s kind of an issue i noticed with all of the pieces that are truly “plus sized” in the line up. 

the sweater has a lot of the same problems, mostly in the fit through the torso in this case, but the slight bubble hem on the sweater dress on the left is something that seems that it would be accounted for by the actual cut and shape of the garment and something that shouldn’t be affected by the model’s body at all. 

why even advertise your line as size inclusive when you’re altering major selling points to the garments to put them on plus sized bodies? or even more seriously, why advertise your line as size inclusive PERIOD when only 30 (if you’re counting the unisex and the truly plus sized pieces, let’s be generous lol) out of 152 pieces are size inclusive?

ASOS might be gauging response to see how this line does before expanding their size range, who knows. but i also don’t really feel like i owe companies benefit of the doubt...especially when there are companies doing this. the response to target’s wild fable line within the plus sized community was immediately so passionate as well--brands who are actually doing this and coming out of the gate doing it are doing well, a huge brand like ASOS shouldn’t be that timid to begin with...if that’s even their reasoning. i don’t even know anymore with brands claiming this as a label, sometimes i feel like brands are claiming these socially-conscious labels just to appeal to specific types of consumers....like claiming the animal free label when your garments are majority cotton and synthetic fibers just seems kind of intellectually dishonest to me, but who knows. i know just personally i feel like i fall for these kind of things every time but then end up almost always disappointed once i go to the actual page and see all the listings--big brands love to claim these things but then the follow through always feels so low effort to me. maybe they’re just too big to care enough to try and also not afraid enough of the blow back, while the little guys like myself or someone like big bud press or premme are scratching w/ everything we’ve got to actually genuinely stay true to our word, who knows. 

regardles, i’m looking forward to these pieces coming in the mail, and also am interested in what this brand does next...if they stick to their claims and actually sell more plus size, affordable clothing, i think they could make some really cool stuff. i’m hoping to review these pieces for here when they come in, and will let you all know how that goes. 

what do you guys think about this brand? what do you guys think about brands hopping on the plus size train so late, and also so lazily? (looking @ you, dollskill’s plus size line lmao) are you planning to pick anything up for yourself? i’m interested in hearing others’ thoughts! <3 

[reasonablespeculation]

Chris Evans/RSDR compilation... my thoughts in bold. (NB: I used to really crush on him and I honestly do not think he’s a bad person in any way, he has good intentions but has also failed in certain ways.)

           I've always been dubious about Cevans being woke. I think he's probably a decent guy overall, but the "woke" thing seems to be more about trying to impress certain women he's into, IMO.             I think he’s woke about certain things but in a very surface-level white male liberal kinda way. He doesn’t put in the work of trying to get beyond his gut-level reaction and it shows.

           I kinda get why CE would be quite about some issues because of A Starting Point and technically has to play the middle man for a bit but it’s also a little hypocritical because I remember him saying in an interview that if you have the power to speak up but stay quite about issues that it’s was gross him which is what he is doing at the moment. I think this is his team’s doing too, they want him to have this image and don’t want anything to tarnish that which again a sad take if you ask me.             YUP

           Chris has to have known that RSDR didn’t sit well with some people which might be the reason why he never promoted the movie like other cast mates. One thing that I really dislike about Evans, as much as a love him, is the fact that he uses pictures of Dodger whenever theres some controversy involving him. Like that tweet about “a beautiful moment” between the killer and brother of the victim, people tried to explain why and soon after pic was tweeted. Some CE stan were so gross during this too.             very yup

           "Could you explain why other than it being a white savior movie that movie was zionist/Israeli propaganda, please?" How is that not enough? There's nothing wrong with white people being heroes, but people are very tired of seeing that myth when in reality POC play the key role in saving themselves--it just gets wiped out of history. And Israel has devolved into an apartheid state, so while no one wants to be anti-Semitic, stories with Israel as the "good guys" don't play well now.             Yeah

           people were upset by his involvement in the zionist/Israeli propaganda movie>> He must not even know what Zionism is. He signed for thinking it was a beautiful story to tell. People give celebrities a lot of credit, they are not as smart as we think. Chris is not as smart as people think. He still has a lot to learn. Celebrities may have a say in everything, but they don't know what the real world is, and they never will.             Chris uses big words which makes people think he’s smart you gotta lol a little bit.

           I think he's not talking because of his website. I saw somewhere that his website is supposted to be imparcial >> I see, but his site is about American politics, he could show support for what is happening in Australia. I don't know about you guys, but with everything that is happening, I don't think the idea of this site is a good one, and it's coming at the wrong time. How to be impartial about politicians who are supporting a possible new war?             I don’t think you can be, which is why I think the project is utterly flawed from the start

           I don’t even think it’s because of his impartial bs political website that his has stopped engaging in political tweets, he got a lot of (and well deserved) flack for that as well. Impartiality doesn’t work when one side is rooted in bigotry. Being an American it’s so hard because by default Democrats are the ‘better party’ and yet there are so many spineless representatives on that side as well. The only white celeb using their platform in the best way imo is Mark Ruffalo, take note Chris             My fave Misha Collins is also a great example of someone really using their platform & mobilizing their fanbase to do good in the world

           I know this is mostly a Seb blog so forgive me for bringing up Chris again but I completely agree, I’ve been so turned off by him. The political climate in the US is so tumultuous, people’s lives are literally at stake everyday both at home and abroad by the mindset and decisions of this current administration, you can’t take a passive or impartial stance anymore. And if you choose as a celeb like Chris to use your platform to be ‘involved’ politically, there needs to be more accountability             Agreed & no need to apologize, it’s obviously something a lot of people wanna discuss

           Cardi B does a better job at taking an actual political stance and uplifting the voices of those marginalized and discriminated against than someone like Chris who does the actual bare minimum TRUST NO WHITE MEN, and yes sadly I include Seb in that (he’s still soft and pure and can colonize me), but that doesn’t mean they deserve to be held to a lesser standard just because they don’t or can’t recognize their privilege             100%

           But here’s the thing, you and I can quietly delete tweets or opinions posted in jest or ignorance because we don’t have a ginormous platform that can validate another individuals ill informed, not that us regular folk get a free pass either but celebs have a bigger responsibility than us             I agree

           I'm just about done with Cevans and his fans. He's still deleting tweets (don't know which ones, but the number went down again), and his fans are just... ugh. The people who ship him with ScarJo are crazier than ever since the Golden Globes happened, and her publicist or whatever had to go and make things worse by liking a manip someone created of Chris and ScarJo (whyyyy would you do that?!). Are their PR teams actually encouraging people to ship them when she's engaged to another man? Classy.             Yike

[wotringmevivianbf70insuranc-blog]

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[robertkstone]

2019 Chevrolet Silverado 1500 Work Truck First Test

“Why don’t they just make a basic truck anymore?” the rancher asked me.

I was in northwestern Arizona on vacation, but it could’ve been anywhere, anytime. It’s a question I’ve answered a hundred times and an example of why I usually don’t mention where I work unless someone specifically asks. It always ends up dominating the conversation.

The simple answer is that the majority of truck buyers have decided they want a minimum level of modern convenience. Truck enthusiasts wax poetic about crank windows, manual transmissions, and push-button AM/FM radios, but if that’s what actually sold, they’d still be available. On the face of it, you’d think manual windows would be cheaper than powered units, but that’s only true for the physical parts. When an automaker is ordering a small batch of parts, thousands instead of hundreds of thousands, the price goes up because it’s a special order. Beyond that, it’s an extra bin of parts that has to be transported to the factory and integrated into the assembly line, and which line workers have to be trained to install and doors have to be designed to accommodate. Put all those costs together, and it’s considerably cheaper to just make power windows standard. It’s the same reason manual transmissions are disappearing.

That said, basic new trucks do still exist. We just call them “work trucks” now. Yes, they come with power windows, automatic transmissions, and color infotainment screens, but they’re otherwise as close to a blunt instrument as you’re going to get with zero miles on the odometer. Whereas others dress them up with names like “Tradesman” or “XL,” Chevrolet just calls it what it is; the “WT” in 2019 Chevrolet Silverado WT stands for “work truck.”

Don’t assume “work truck” means “dirt cheap,” though. Today’s trucks get pricey quickly, even the base models. Although it’s possible to get a single-cab Silverado WT for just under $30,000 with zero options, you’re likely to pay significantly more. Our tester, the kind of crew-cab long-bed you’d see in the fleet lot, rings in at about $36,500 to start and nearly $39,800 with all-wheel drive. (Note: Because the transfer case on our tester doesn’t have a low-range gear, we refer to it as all-wheel drive rather than four-wheel drive. True four-wheel drive with low range is available on other Silverado models.) Our truck has a couple options on it, like the Work Truck Convenience Package that includes niceties like cruise control, keyless entry, a power-locking tailgate with remote release, heated power mirrors, and a rear window defogger. Fancy stuff. We also picked up rubber all-weather floors for maximum durability. Plus, it looks better than any other Silverado, with its black, Chevrolet-stamped grille and steelies. Total cost out the door: $41,125.

Those rubber mats cover the smallest transmission hump in the segment, which means the person stuck in the middle of the front bench seat has somewhere to put their legs (though it’s too bad the rear floor isn’t flat like the competition). That and the standard 7.0-inch, color infotainment screen preloaded with Apple CarPlay and Android Auto are the highlights of an interior Christian Seabaugh called “a rolling OSHA violation.”

Hang on. Work trucks are supposed to have basic interiors, obviously. There’s a difference between basic and bad, though, and Chevrolet came down on the side of bad. Actual park benches would make more comfortable seats than the benches Chevrolet installed in this truck. We feel sorry for any tradesperson who spends their entire shift behind the wheel of one of these. Pair the uncomfortable, unsupportive driver’s seat with a steering wheel so close to the dash that even I, with my short legs, have to get up on top of the pedals to reach it comfortably, and you have a match made in a chiropractor’s dream. Manual seats are fine, but these only slide and recline. You can’t raise or lower them, a problem for shorter drivers because the dash is very tall and the seat is so low even 6-foot Miguel Cortina complained about it. A comfortable driving position simply does not exist.

Resigned to that, you start looking around and seeing what else you don’t get. Namely: storage. Unlike work trucks from Ford and Ram, there’s nowhere to put anything in the Silverado WT. There’s no storage under the front middle seat, no storage in the front armrest when the middle seat isn’t in use, no bins in the rear floor like in a Ram, no extra pop-out cupholders on the floor between the front seats like in a Ford, just a pair of dinky glove boxes barely big enough for more than one pair of gloves.

The cost-cutting doesn’t get any better from there. One USB port for six passengers, all of whom will have cell phones they want to charge at the end of a shift, is behind the times. Taking out the steering wheel buttons and making you reach through the steering wheel rim to turn a little knob to change screens is ridiculous. Spending money on a fancy infotainment screen and saving it on speakers with all the fidelity of an ’80s boom box makes no sense. If this were simply the way work truck interiors are, it would be one thing, but when Ford and Ram work trucks come standard with considerably nicer interiors, it just makes Chevy look cheap. That would be fine if it was cheaper than the other trucks, but it isn’t. Instead, as Seabaugh put it, “It’s a middle finger to the working stiffs who’ll have this truck forced on them by penny-pinching fleet managers.”

The good news is the Silverado WT excels at the one thing it’s supposed to: work. Everything bad about the interior is offset by the bed, which does more than any competitor straight off the dealer lot. The extra payload space is obvious to the naked eye. The inside of the box is so wide, I can lie down sideways in the bed without bending my neck (I’m 5-foot-9). At the corners are three times as many tie-downs as any other truck on the market, making it easier than ever to secure a load. Likewise, the standard bumper corner steps and handholds make climbing in and out a breeze no matter what’s in the bed, on the hitch, or hanging out the tailgate. The power-locking, remote-opening, soft-open tailgate (part of the convenience package) isn’t a must-have, but you appreciate having it every time you use it.

Allowing the Silverado WT to make use of all that hauling capability is a tried-and-true 4.3-liter pushrod V-6 with all the torque Ford’s and Ram’s base engines are missing, and then some. It doesn’t look like an earth-shattering difference on paper, but the Silverado WT gets up and moves with the slightest touch of the throttle, empty or loaded. That’s great for towing and hauling, because the engine barely notices the difference. If we could just get the transmission to pay attention, we’d really have something. Alas, it leans on the engine to get everything done with torque rather than just downshifting, and when it does drop a gear, it starts hunting back and forth between the low gear it needs and the higher, more fuel-efficient gear it wants. Tow/Haul mode helps, but it isn’t a silver bullet. Whatever the mode, it’s all backed up by brakes that feel stronger than the truck even needs, inspiring plenty of confidence when towing or hauling.

It shows in the numbers. The Silverado WT needs a respectable 7.2 seconds to get to 60 mph and does a 15.6-second quarter mile at 88.7 mph, quicker than a base model Ford or Ram. It outgrips those trucks, too, pulling 0.77 average lateral g on the skidpad and running a 28.0-second lap of the figure eight at 0.62 average lateral g. Braking is surprisingly longer than the Ford or Ram, stopping from 60 mph in 126 feet. Just goes to show a good brake pedal doesn’t always mean more stopping power.

That performance, though, comes at a cost. At 15/20/17 mpg city/highway/combined, it’s enough to make a fleet manager run screaming off the lot. The good news is, it actually gets much better fuel economy, at least when it’s not loaded. Our Real MPG team recorded 17.6/25/20.3 mpg city/highway/combined, making it almost as good as a Ford or Ram work truck’s EPA-estimated fuel efficiency. The bad news is, the Ford and Ram work trucks outperform their EPA numbers, too.

Last but not least, there’s the simple matter of how the Silverado WT handles itself with and without a load. Just driving to the job site, it drives like a truck. The ride is a bit brittle at times and bouncy at other times, but that’s the trade you make for payload and towing capacity. Unlike other trucks, though, everything isn’t automatically better when you put weight in the bed. Although weight irons out the brittleness, it exacerbates the bounciness from PerformanceJunk WP Feed 3 https://ift.tt/2HJdqOn via IFTTT

[freedomfaucet-blog]

Crypto Airdrops This is you complete guide to crypto airdrops, in the below post we have listed down almost all of the FAQ that you need to answer on the subject. What is a Cryptocurrency airdrop? Cryptocurrency airdrop means, quite literally, dropping free crypto coins directly into your...

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Crypto Airdrops

Crypto Airdrops

This is you complete guide to crypto airdrops,

in the below post we have listed down almost all of the FAQ that you need to answer on the subject.

What is a Cryptocurrency airdrop?

Cryptocurrency airdrop means, quite literally, dropping free crypto coins directly into your wallet. There are no fees, no charges, airdrop coins are simply transferred free of cost to your coin wallet. What is a cryptocurrency wallet? It’s a big topic and I will touch on this later in this post. Not satisfied with the crypto airdrop meaning? Well read on.

How do you get airdrop for free? Even if you are a newbie and just joined in into airdrop cryptocurrency mania you can still easily get free airdrop coins in 2018. The best way to stay updated on the upcoming airdrops is to join our crypto airdrops telegram channel. You can also find upcoming crypto airdrops on reddit as well on facebook. Our Crypto Airdrops List on our website is always updated with the latest and the best coin airdrops of 2018. You should also check our crypto airdrops calendar so that you can apply daily!

Of-course these airdrops are not 100% free, nothing really is in the world, right? Sometimes, there are certain tasks that the one needs to do to get free airdrops. These tasks are called bounties and in same way entitles you earn free eth tokens in airdrops. In our airdrop alerts to our users we send almost all kind of airdrops, except of course the obvious scam crypto coins. In short the idea is to reward early adopters of cryptocoins. These blockchain tech projects reserve a part of their tokens just for the free distribution to their crypto community.

While at other times you already need hold some type of altcoin or even bitcoin to receive airdrop coins. E.g. In two very popular cryptocurrency airdrop holders of bitcoins received free bitcoin cash and holders of Ethereum received free tokens of OmsiGo. To claim airdrop tokens you sometime need to register on project’s airdrop website or join airdrop telegram group. And yes, if the project is asking for ETH address don’t forget to provide one. Now you know what is an airdrop. Right? But wait there is lot more! In my post I have explained how to get free tokens and tracker on the site provides a list of airdrops.

Upcoming Crypto Airdrops

Are Crypto Airdrops safe?

I will say 99.99% yes. To get an airdrop coin all you have to give is some non-personal details and 5 minutes of your time. However, there do are frauds in cryptocurrency airdrops. There are some shady coin project which have no intention to do anything except of-course asking for donations for airdrop tokens. In such case you should always stay alert and avoid these coin projects by miles. Remember the golden rule – never ever share your private keys while applying to a coin airdrop. Reporting such issues is the best way forward as it alerts the whole community of the bad intentions of the developers.

Types of Crypto airdrops

There are a few different types of coin airdrops but for the brevity (and for the profit!) we will focus on Ethereum airdrops or ETH airdrops, in short. That being said, here are a few different kinds of airdrops: Crypto airdrop forks: Cryptocurrency airdrop forks basically means that an existing blockchain tech is forked in two and a new airdrop coin is created. Crypto airdrop forks can be soft or hard fork.

It is a hard fork where the real money is. Over the period of time, both Bitcoin forks and Ethereum forks have made a lot of free coins for their holders. The idea is simple, when a new cryptocoins are created it is distributed free to the community which is already holding the older coin. Ethereum classic was a result of hard-fork and is a great success, Bitcoin Cash too was forked out from Bitcoin and had been a massive value add to the Bitcoin holders. Who doesn’t like to receive free coin airdrop, right?

Ethereum Airdrops or ERC-20 Airdrops: Ethereum is a sort of a gold standard of cryptocurrencies, mainly because it is a fast growing platform with a well established cryptocurrency community. There are many other platforms such as Waves which also do airdrops, but they are rare and in-between. Ethereum not only provides platform to create your own DAPP (distributed app) but also allows you to create your own coin. Yes, anyone, with a wild thought in mind can go ahead and create his own new ether token! That’s the prime reason for a flood of ICOs (and hence ICO airdrops) that we are seeing these days.

Ethereum Airdrops are quite straightforward, at least most of them. The way it works is you apply for a cryptocurrency airdrop for a blockchain tech and receive airdrop coins directly in your Ethereum wallet. Crypto Faucets: While you can contest that faucets are not really cryptocurrency airdrops, they do by definition give away free Cryptocurrencies. They are 100 different faucets right now, but 99.99% of them are spammy and not really worth your time. I personally like free bitcoin (link on the top menu) which has been operating successfully for several years now, and it also doesn’t bombard your with advertisements.

Fun fact:

Free bitcoin was given in some faucets during the very early days. Many of them are crypto millionaires now. You can also call it Bitcoing Airdrop. Sweet, right?

Crypto Airdrops – Should you apply?

Well, for one if you are an absolute beginner in cryptocurrencies, airdrop is the best way to wet your feet. There is zero risk in coin airdrops, as only thing you have to invest is 5 minutes of your time. New altcons are flooding the cryptocurrency market everyday and hence the flood of free airdrops tokens too! There way to many coins for someone to track, so we do the job for you and send our users airdrop alerts.

Since absolutely anyone with little bit of invest can create his own ERC-20 token, there are a lot of shit tokens out there which serve absolutely no purpose. Here on https://airdrops.me we weed out such spammer coins and save you from wasting time. That being said we only remove the obvious low-life fraud crypto tokens and won’t remove anything else as we want you to do as many as coin airdrop possible.

Some of the businesses are actually genuine and not pump-n-dump kind of quick schemes that promoters are looking to make quick bucks on. Seriously, there are so many scams out there, so please do your due diligence, if you really are interested in investing. There are gems in between, and this is what you need to work on. Projects like Hawala tokens and OmsieGo have really made good returns for people who initially applied for their airdrops.

So, how will just a few Crypto projects will make you good money? Are these airdrops really worth your time? The answer totally depends on you… How so? Well, the key to actually striking it big is referrals. Almost every free airdrop comes with an affiliate system, the key is to apply for all these airdrops and then promote them with your affiliate id. Profit!

Why are all these projects giving free Cryptocurrency?

So, now you understood new cryptocoins are given away in airdrop for free. But you still can’t make sense of why these coin projects are giving airdrop free? It may appear that these projects are giving away free Cryptocurrency but it is far from the truth. They are actually paying to do certain crypto bounty tasks, at a bare minimum level they are making you join their telegram group and hence building a telegram community.

There are many other tasks they can ask you to do, e.g. sharing the cryptocurrency airdrops on facebook, follow them on twitter for airdrop alerts, clap them on medium blog etc. Social indicators not only promote their projects but also adds a sort of confidence in their investor when they look at their social media followers. Lastly, but not least, Blockchain tech projects gather email addresses which further help them promote their ICOs … to You! Yes, they know if they bombard you with emails just enough, some of you will actually become their customer and buy their ICO tokens. I, personally, absolutely do not recommend buying an ICO, but you be your own best judge.

How to Apply for ERC-20 Ethereum Airdrops?

At the most basic level the airdrop will ask you for two things:

Ethereum address?—?where it will airdrop the tokens.

Telegram id?—?where you will join their projects

This being said, there are a few different style of airdrops and we will cover them all in a separate blog post! We will show how to apply for each of these Crypto airdrops step by step. Also, note that for your convenience we send you airdrop alerts when you subscribe to our various channels.

You can easily create a ether wallet address by going over to myetherwallet or MIST or metamask wallet. When you create a new crypto wallet you will receive a pair of public and private key. The public key is your ETH address you will need to apply for a coin airdrop while the private is something you will need to do transactions like sending your ETH tokens to some other address. Needless to say, in order to safely apply to coin airdrops you need to keep your private key safe. Never share your private key with a coin airdrop.

How to check your free airdrop balance?

Checking your airdrop token balance is a very simply process. There are two main website I use to check my free tokens balance – ethplorer and etherscan. Go to any of these website and enter your ETH address to know your free tokens balance.Another useful crypto tip is to go to this coinmarketcap.com link. This is where all the new crypto airdrops get listed. This is helpful to check in which crypto exchange your free crypto is listed, what is the current market price and how much is the trade volume. All of this comes handy when you are trying to sell your new cryptocoin.

What to do when you receive an airdrop coin?

Coin airdrop would typically drop your ether tokens right in your mew address. Now, you can either continue to hold these free cryptocurrency tokens or simply transfer to an exchange to sell them at a profit. It takes time for new airdrop coins to get listed on exchanges but when they do you will see a significant price movement. You can sell your airdrop coins if you are sure about its blockchain tech future or if you understand their business, keep on holding these free new cryptocoins. Bookmark this Airdrop alert website to stay on top of the upcoming airdrops of the new cryptocoins. Don’t forget to subscribe to our airdrops crypto alert on twitter, facebook and reddit.

Article Produced By AirDrops.me

https://airdrops.me/crypto-guide/crypto-airdrops-ultimate-guide/

Susan Bennett

[azanycollectormilkshakeworl-blog]

Tip cheap car insurance iowa city

"Tip cheap car insurance iowa city

Tip cheap car insurance iowa city

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Tip cheap car insurance iowa city

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I'm going to be 18 in January, and I'm moving out and going to be having to pay my insurance on my own and just wanted an estimate of how much my car insurance will be. I don't have my license yet (because I currently live in the Bahamas) but I'm getting it the second I go back to Las Vegas. How much do you think my insurance will be? I'm just going to have a simple little car, nothing big. But what's the best insurance to use, for one, and two how much will it be a month? And do you get student discounts or anything like that? Any information will help... thanks""

Window tints ticket insurance rates?

does a nonmoving window tint ticket , affect my insurance rates if i pay if off and keep the tints on, here my problem i am under my parents insurance plan and my dad would not let me keep my tints if i keep getting pulled over for them. i have alot of money and i just want to keep paying for the tickets. money is not the problem, i just want to know if i pay the tickets off will it show on my insurance or anywhere else?""

Health Insurance/Student emergency card help!?

I'm currently filling out a Student Emergency Information Card and I'm stuck on the Health Insurance portion... For the portion, it only says Insurance #, I have HealthNet but I don't know whether to write the group number or the subscriber number.. I'm kind of sure it's the subscriber one, but I need some assurance. Also, it asks for Medi-Cal straight after that with Yes/No.. How do I know if it's medi-cal or not?""

Does living on an unpaved road affect car or home insurance rates?

I'm doing some research and I can't find out if living on unpaved roads affect car or home insurance rates. Please help me :)

Whe will liberals admit the affordable health care act has made health care and health insurance?

More expensive already?

Cheapest car insurance for you a young driver?

What are the cheapest cars for a young driver to insure? I'm 17 and looking at buying soon so any help would be great!

Affordable Health insurance in CA ?

I'm looking to buy health insurance in CA. my income is 10,000$ a year and because i only work part time. i applied for Medical few months ago through welfare office, but my case worker was really mean he was asking for a lot of documents in order to approve my application and every time i go to the welfare office they make me wait for 4 hours.so i decided to look for health insurance through Obama care website but i found that planes that cost 100$ and below doesn't cover even 30% of the medical expenses. any ideas about getting affordable health insurance in CA with good coverage ??? Thank you""

How much are you paying for car insurance a month?

?

If men have to pay more for car insurance then why aren't women paying more for health insurance?

You can use the same exact argument they use against men to increase their car insurance. http://www.jfponline.com/purls/Pages.asp?AID=2450 From the departments of Family and Community Medicine (K.D.B., E.J.C.) and Internal Medicine (J.A.R.) University of California, Davis, School of Medicine, Sacramento; and the Division of Statistics (R.A.) and the Department of Economics (L.J.H.), University of California, Davis, Davis. Reprint requests should be addressed to Klea D. Bertakis, MD, MPH, Department of Family and Community Medicine, 4860 Y Street, Suite 2300, Sacramento, CA 95817. E-mail: kdbertakis@ucdavis.edu. BACKGROUND: Studies have shown that women use more health care services than men. We used important independent variables, such as patient sociodemographics and health status, to investigate gender differences in the use and costs of these services. METHODS: New adult patients (N = 509) were randomly assigned to primary care physicians at a university medical center. Their use of health care services and associated charges were monitored for 1 year of care. Self-reported health status was measured using the Medical Outcomes Study Short Form-36 (SF-36). We controlled for health status, sociodemographic information, and primary care physician specialty in the statistical analyses. RESULTS: Women had significantly lower self-reported health status and lower mean education and income than men. Women had a significantly higher mean number of visits to their primary care clinic and diagnostic services than men. Mean charges for primary care, specialty care, emergency treatment, diagnostic services, and annual total charges were all significantly higher for women than men; however, there were no differences for mean hospitalizations or hospital charges. After controlling for health status, sociodemographics, and clinic assignment, women still had higher medical charges for all categories of charges except hospitalizations. CONCLUSIONS: Women have higher medical care service utilization and higher associated charges than men. Although the appropriateness of these differences was not determined, these findings have implications for health care.""

How to get car insurance as a self dependent college student in CA?

I need to look for cheap car insurance asap, I am a resident of Callifornia, I will get my drivers licence the 20th of this month and I need the car insurance before the 24th. I figure I have exactly one day and a half to do it so I can finish my car registration before the 24th , when the past registration is due, please help me !""

How much would an urgent care visit cost with out insurance for strep throat?

I live in California, and I have strep throat. I know that OTC don't work to cure this so I need to go to urgent care. I'm most likely going to go to Kaiser...help please!""

Tip cheap car insurance iowa city

Tip cheap car insurance iowa city

I'm 18 and i'm looking for my first car i want a land rover 110 station wagon what is the cheapest deal?

i want to buy a new one with the cheapest insurance and tax how much would it be

Will my provisional insurance go up after i pass my test?

evening folks, i have my test booked for 3 weeks away, i have been shopping around for car insurance and if i enter that i have a full license then my cheapest quote is over 2000, whereas if i put that i have a provisional then it drops to 1400.. question: if i take out insurance in my name on a provisional will the price go up after i inform them that ive passed?? all answers and opinions welcomed thanks ;)""

What's the most expensive comprehensive car insurance ever in the U.K.?

What's the most expensive comprehensive car insurance ever in the U.K.?

""APPROXIMATELY, how high would insurance be on a 16 year old male driver with a manual Evo X as a first car?""

I just turned 16 and i am about to get my license.I just want an estimate like 200-300 or 300-400 or 400-500, etc. My brother is 18 and currently has an Evo and is paying ~ 500 a month for his insurance but has a terrible driving record. Totaled his car and another persons (completely his fault) speeding tickets, unsafe turn ticket. and a bunch of parking tickets. And please dont give me an answer like youre gonna kill urself or evo is too fast for a first car and too hard to learn stick in an evo because the past 8 months i have been driving my brothers STICK Evo quite alot and have absolutely no problem driving it.""

Used 2006 mustang v6 insurance for teens?

how much do you think insurance will be for a teen ages 16-17. (estimate) will it be cheap or expensive because it is used. and what if it is under the parent's plan? thank you

What is the best and most affordable car insurance company in New York?

Particularly NYC?

How much would insurance cost for a 2007 Mustang GT?

I know I can't get a definite number, but I'd like to know just if it'd be a lot or a little. It's a 2007 Mustang GT 5 speed 6 cylinder.""

Car insurance question.?

I'm working on transferring my current car insurance to Geico and am filling out the electronic form to get a quote. My car is brand new, and I have had it for like eight months. I don't know much car insurance; in the electronic form, what coverage do I pick for full insurance instead of liability? Thanks.""

Is it bad not to have health insurance?

Is it bad not to have health insurance?

Mom discovers $9 car insurance trick. What kind of scam is this ?

Mom discovers $9 car insurance trick. Auto insurers are scared you will learn this too.

How much would insurance cost for a mini moto?

How much would insurance cost for a mini moto?

I need cheap insurance thats reliable?

In San Diego

How much will insurance cost on a ktm 125 duke at 17 per year?

or month or what ever just need ideas on how much it will cost

""If you have your learner's permit, do you need car insurance?""

If you have your learner's permit, do you need car insurance?""

Rental car insurance?

I just sold my car (02/04) and am trying to rent a car until I buy the new car (02/05-02/15). What happens to the auto insurance that I had with the car that I just sold (I paid the coverage until 02/16). Was it automatically terminated when I sold my car? Since my policy covers the insurance for the rental car too, if it will continue until 02/16, I dont have to pay for additional rental insurance at a rental shop (I believe I paid around $13 per day before). Also, does debit cards (from local banks) also usually cover the insurance for the rental car too (I know most of credit cards do that).""

""Would any car insurance(allstate,geico) insure an international student who doesn't have a PA licence?

I have my country licence and an international driving permit. I would like to buy a car in Pennsylvania as I am staying for about a year in this country. I would like to know will car insurance companies insure me?

Wich is is best life insurance ?

wich is is best life insurance ? MY AGE IS 32

Is my pregnancy covered under my mother's insurance?

I just got married this past year and just found out that I am pregnant. My husband and I are freaking out because I am still under my mother's insurance. I am only 24 and supposed to be covered until I am 26. I am also a student. So question is: Is my pregnancy covered under my mother's insurance? If I am covered then for how long? till the baby gets here? Is the baby covered? If I am not covered then how can I get covered?

What is an insurance premium?

Is the insurance premium what you pay monthly for your insurance?

Car Insurance Question?

I am 17, have my license with no restrictions and I live with my parents who have 5 registered and insured cars. By law am I required to have insurance since I am a minor with a non restricted license? My parents will let me drive with them uninsured but How is it different if I drive alone? Insurance stopped covering me 6 months ago when I had to drive with them on my permit, and my mom never put me on the policy. I am also the only junior in my school who can drive but doesn't because my parents are hiding me. Do I by law need insurance because I have a license as a minor and have registered and insured cars in my household?""

How much does it cost to insure this car?

Im 17 years old and im planning on buying a car soon and the car i want is a 2002 Acura RSX, but i heard it expensive to insure? I havent been in any accidents no tickets. Iv had my license for more than year. And I live in the state of IL. My dad is planning on putting my name in his insurance as well and i just want to know how much it would cost to insure this car? We have state farm. Oh yeah another question since we are talking about insurnace do they give you an option to pay every month or every six months?""

Is car insurance more expensive on newer models?

Im comparing car insurance quotes online. I havent yet got the car im insuring but Im looking at different 206 models. I know there are many factors when it comes to the quote, but does a newer model cost more to insure because this is what I seem to be finding: 2004 models- my insurance is around 470, yet when I checked the same model but a 2005 reg it was nearly 300 pounds more.""

How much would a Jeep Wrangler cost to insure compared to a Honda Civic?

How much would a 1990-1995 Jeep Wrangler cost to insure compared to a 2004 Honda Civic? It would only be liability insurance, and I live in South Jersey.""

Which is the best insurance which i need to take for my parents who visiting USA?

My parents are coming to US and need to take a medical and dental insurance for them. please advise

Teenage car insurance?

i have a question i'm planning to get a car soon and im 17. Most likly im getting a new car i don't know the exact car yet. I wana know with my age and a new car how much do you think my insurance average will be. The car is gonna be financed under my dads name so im gonna have to get full coverage insurance so i wanted to get an idea on how much it would be for me.

Tip cheap car insurance iowa city

Tip cheap car insurance iowa city

https://www.linkedin.com/pulse/should-car-insurance-made-mandatory-noah-coleman/"

[fadingpersoncollectorstuff-blog]

Car accident with no insurance?

"Car accident with no insurance?

I got into a car accident today and totaled my car. the other vehicle just had bumper damage. come to find out my insurance tried to take my payment out my account but were unsuccesfull so they canceled it a month ago. whats gonna happen since i am at fault and no insurance

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

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Hypothetically speaking, say your home owner's insurance company does NOT renew your policy? How long do you have to find a new company and what if no company will take you on due to too many claims?""

Insuring a second vehicle?

My husband and I both have our own vehicles but have just purchased an old Land Rover for towing our trailer tent. We have been searching insurance companies online for a cheap quote but have been getting quotes for 1000+. We only want to use the vehicle occasionally & think this is a ridiculous amount of money to pay for insurance, (especially as the vehicle only cost us 600 to buy.) Can anyone recommend a company that provides insurance at a reasonable price for an occassional-use vehicle? Thank you""

How much are you paying for car insurance?

How much are you paying for car insurance?

Rental car insurance?

I want my sisters friend to rent a car for me, because i am only 19. But i want to make sure if i buy rental car insurance that i will be covered because she wont be with me. Anything helps""

Total lost car INSURANCE?

I own a 1997 dodge intrepid std 4 dr sedan 6cyl gasoline 3.3 liter 4 speed in fair conditions cd player no rust with 197,242 miles. My car was was in a hail and tornado damage where the hood has a dent and the driver and passanger side have dent and the trunk. I have full coverage insurance and they telling me that my car was total last i love my car and i spent alot of money fixing it and it drives great no problem. So I was trying to get some help from some one that could tell me how much is my car worth so they wont give me less money and if they offer me less what could I do. I am not trying to bew greedy but i do love my car and spent alot of money on it. I would rather get it fix . PLEASEEEEEEEEEEEEEEE HELP ME""

How much is errors and omissions insurance in california?

How much is errors and omissions insurance in california?

How and what is cheap auto insurance?

How and what is cheap auto insurance?

How much would car insurance go up if...?

My family and I are just trying to get a ballpark idea of how much my sister's car insurance would go up if we made a claim on an accident she had. She was in a mall parking lot and pulled out to make a left turn. I think she didn't really see a car coming, but I also think the car was zipping around the lot at a too-fast speed. My sister got hit in her driver's door and needs a new door and the frame of the car needs pulled out. There are no witnesses to really show who's fault it is, and I think it's a little of both judging by how much damage there is on her car (the other driver had to be going fast). There is no damage on the other person's car. It costs about $1500 to get it fixed (just the bare minimum - a new door from a junkyard and fixing the frame, just to make it safe and sealed, there will still be some dents). We're debating on claiming it or not because there is a $500 deductible. She is 25 years old and hasn't had an accident before. How much do you think the insurance would go up and how long would it stay up? Would it be worth it to claim it or should she just pay cash for the damages? Thanks!""

If I have proof of insurance but driving a friend's car who doesn't have insurance...?

Can I get a ticket for not having insurance? I was pulled over while driving a friend's car and received a ticket for not having proof of insurance. I had proof of insurance for my car in my wallet, and I showed it to the officer. He told me there needed to be proof of insurance for the car I was driving as well. Anybody know if this is true? I'm in Washington State for the record.""

Car insurance lowering (LEGALLY!!!!)?

right, i best tell the whole story. im 17 in a few months, so my parents have given me 5,000 for a car and insurance, which i thought would be plenty for something decent. however, as i have to insure the car myself (no fronting), and even a group one pile of c**p costs over 3,000 to insure. i know i could take pass plus, but are there any other ways to lower the insane premiums legally? and are there any insurers who give a good price for new drivers? thanks for the help :)""

Advice about car insurance in Ohio..paying way too much?

I reside in OH. I have insurance through progressive, my payments are about $230/month. I do finance my vehicle so it's necessary to have full coverage, I do have GAP insurance through my car dealership. OK. I have a ticket and 2 at fault accidents on my record (one really wasn't my fault) both under $500 claims... ANYWAYS, I know people who have DUI's that have lower car insurance than I do and I am a good driver, ugh. Is there any sugesstions on ways to lower my car insurance? I know eventually they will drop off but the last accident is on until April 2012 the other will drop August 2011 and the ticket will be gone October of this year. I am paying a mortgage, condo fees, a car payment that I just aquired January, this new insurance payment which is like an additional car payment (it was $100 before getting full coverage), and the obvious other bills. I am so strapped for cash, is there any ways to lower this fast or any good companies in OH that can give me lower price?""

Mobile Home Insurance in Florida?

I am having a LOT of difficulty finding Mobile Home insurance in Florida (nobody will insure us at a reasonable rate due to hurricanes). They are brand new Mobile Homes.... Original Premium was $1138.00 a year. We are having issues with this company & are getting quotes well over $2,000 now! That is a HUGE difference! Does anybody else know where else we can get insurance???""

What is the best low cost car insurance in california?

we have a 2004 honda odessey and a 96 acura, and our 17 yr old will also drive""

Whats the average cost for teenage car insurance?

im going to get my permit soon and i would like to know what the average teen car insurance cost is.

Best school to prepare for my life and accident/health insurance licensing exam?

I need to start my 52 hour training to get licensed in California for life, accident and health. Which is the best school to prepare me for the exam? There are so many online, however I want one with a high pass rate.""

Second driver for my parents car insurance?

well im a full time college student so i can't pay for my car insurance at the moment. whats the requirements for putting myself as a second driver to my parents car? ive had one car accident and been cancelled twice in my own name to 2 different car insurance. (family member passed away and i had to use the cash to go abroad) anyways.. will that effect me to putting me as a second driver to my parents car?? .. (with their name on the car) i mean.. my parents will pay for me so i dont see the problem for me getting rejected by the insurance for my prior non payment cancelation. please help me.

What happens if I lapse on my car insurance for a day ?

I read some forums online and it seems pretty heavy. Right now I am out of work and I am living on unemployment insurance. I can barely make payments using that. Anyway my car insurance is supposed to be cancelled this monday at 12:01A.M. standard time. I called them today to make a payment . But the local office is closed and the main office said they can't take anything less than the premium which is - $792.38. I can't pay that right now. That's out of the question. I want to be able to make the monthly payment on it so I won't get cancelled and get a lapse on my car insurance . What is a lapse and how will it affect me. because it seems like there is absolutely NO OTHER CHOICE , i have right now than to just wait for monday and call them to find out that it's cancelled and worse if they said , Since it's cancelled they can only accept the Whole Premium!! My new policy renewal date is from Oct 09 , 2010 to April 09, 2011 according to the id card But what happens if there is a lapse in my coverage? Can i be arrested or my license suspended because of this??""

Do I need car insurance the moment I get my provisional license (CA)?

I'll be going out for my provisional drivers license tomorrow, and I was wondering whether I need car insurance if I do get my provisional license. My parents are planning to allow me to get my provisional license, but won't add me to their policy until a year down the road. Am I allowed to drive alone with my provisional license as long as the car I'm driving is insured by my parents? (California)""

Will a honda accord coupe have higher insurance than a sedan. (for a 16 year old)?

for my first car i am debating a mazda 3, a toyota camary or a handa accord coupe (2 door). how much higher is insurance on a honda accord coupe than a 4 door for a 16 year old driver. will it be rediculous. Also, my parents have a 7k spending limit and i have found some with under 100k mies. how long will they last if i treat it right?""

Re: car insurance...?

My husband's name is the only one listed in the car insurance. I recently just got my driver's license, should I include my name in the insurance? What's the advantage or disadvantage of doing that? Would our insurance payment increase?""

How is the auto insurance for a Mazda 3i?

My first car, I have 1 speeding ticket on my record and two accidents, both not my fault. I have USAA insurance through my dad. How much do you think I'll pay a month?""

Car insurance- insurance not renewed.?

A month ago my car insurers send a letter saying my policy wouldn't be renewed when it ends in November. reason, there weren't dealing with the agency. now I have two cars, one having abs problem so wasn't driving it but was paying for both. Am getting a new insurance company but wouldnt add the problem car till I get money to repair it. its not driven and want to save that wasted money to repair it. Am I right.""

Ticket for no proof of insurance in FL?

I received a ticket for no proof of insurance, i did not have the card on me at the time but i do have insurance. When i go to court, will i have to pay the fine or will the ticket be thrown out?""

Car accident with no insurance?

I got into a car accident today and totaled my car. the other vehicle just had bumper damage. come to find out my insurance tried to take my payment out my account but were unsuccesfull so they canceled it a month ago. whats gonna happen since i am at fault and no insurance

What are some sites to do a comparison on car insurance?

I'm a 21 year old college student and a worker at a fast food restaurant who lives in California. I'm planning on getting a car soon in the future but I want to find out on where I'm at when it comes to payments in car insurance. Is there any comparison sites that can provide me at least some general ideals when it comes to car insurance payments?

I have cancelled my old insurance with a company and i need a renewal notice to get cheap insurance.?

i have called the old company is asking me why i need the renewal notice from them. they told me they have put it in the post but i did not receive anything. the only mail i received, was the sorry to see u go mail the next day after i cancelled the policy. With the notice i can show i have a 6yrs no claims discount. How do i get the old insures to send me the notice with the no claims or do i just tell my new insurers to contact the old ones. Please this is urgent. Serious answers only""

How much do you think car insurance will be...?

I've been to sites with free quotes but they always give me like 4.7k dollars a year with like 300$ monthly payments but my friends say insurance for them is like 1800. I am 18 male and drive a 4 door 2001 sedan I just started driving how much do you think it will be?

Question about my car insurance?

My current insurance is with state farm; just a question; if i got hit by someone without car insurance and is their fault; they dont have any money to pay for my damage; since i dont have the uninsure motor coverage but i have collision with deductible of 500 dollar; would my collision cover me after i pay the 500 dollar? i guess my real question is what is the point of having uninsure motor coverage when i have collision coverage? would i need both? or just collision would be sufficient?

How much is too much for insurance?

Hello. i own a 300zx twin turbo, i have modified it my self with some stuff.. but thats not importent right now. my question is that the cheapest insurance i can get for it with full coverage is around 250 a month..Im willing to pay for it, just because i love everything about this car.. but to my self i think its far too much. im 19 years old, and i was wondering what kinda stuff brings down the amount i would have to pay for insurance? ( i got my license when i was 18, ive had it for about a year now) thanks.""

Where i can get car insurance groups explain?

Where i can get car insurance groups explain?

What is the cheapest insurance for beginning drivers in NC?

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

Give three or more reasons why americans should not have health insurance?

what are three or more reasons why americans should not have health insurance

Can I get an auto insurance policy for rental cars only?

I often rent cars and end up paying insurance. My credit card covers collision damage waiver (CDW) but not liability, which is required by law in states like California. Is there a policy I can get from an auto insurance company that will give me liability for a good price? I'm tired of paying $10/day for something I never end up using.""

Car insurance in ontario?

Ok so im about to buy my first used car and i have no idea how getting insurance for your car works. im going to call around to find the best rate but do insurance companies normally make you pay anything up front? i was told that sometimes they make you pay for two months right away. is this true? i have enough for one month of insurance up front but i want to make sure i save enough money to do so if that is usually the case thanks.

Auto insurance claim?

I was backing my car up and hit a light pole. If I file a insurance claim is this considered Collision or Comprehensive?

What will an insurance company offer to settle for a possible neck injury?

I was rear-ended by another car. I reported to the insurance company of the person who hit me that my neck was a little sore. They offered me $700 to sign a release form without me even asking. I told the claims adjuster I needed to think about it. Short of getting a lawyer, what could I expect to be offered? I am sure insurance companys have a set amount that they will pay to get me to sign the release form. Anyone know about how much that would be?""

How much should a Hyundai Sonata lease and insurance be?

I want to lase a 2011 Hyundai Sonata Limited 2.0T fully loaded within the next couple of days. I've totaled it on HyundaiUSA.com and it cam out to $30,195. the dealer said he would he down to $26,795. Their current promotion says you can lease a 2011 Sonata for 199/mo. for 36 months with $2,399 due at signing. I only want it for 24 months with $2,000 down. Any body have any idea what the lease rate or the insurance would be? Anybody whose leased a 2011 Sonata, please provide input. Thank you to everyone who answers!""

How much do you pay for your home owner's insurance?

I am doing a survey and this would really be helpful for me. Please let me know how much you pay for your home owner's insurance. If you pay monthly or yearly. The location of your home. The value of your home. How big your home is. If you have flood insurance. And what you have as your deductable.

""When buying a used car, what is the process of getting insurance for it?""

I live in Indiana, but am about to buy a used car that is in New York. I am going out there to pick it up and drive it back to Indiana. How do I go about insuring and licensing the car? This is my first experience with this. Do I need car insurance before I leave New York, or do I get that once I get it back to my home state and get it licensed and tagged? How long do I have before it needs to be insured? How long do I have before I need to get plates and everything for it? Where can I search on the internet to find more information about this, also? Thank you.""

What's the average price of homeowner's insurance in Las Vegas?

I know this is a vague question but what are some estimate homeowners insurance prices in Las Vegas? The house is worth 180k, its brand new (built 2008). No pets or children, three bedrooms, 1700 sq ft. My fiance and I are first time homebuyers and we have excellent credit. I just wanted to know if anybody had any ballpark numbers (I plan on contacting my current auto insurance provider soon, but I want to hear what other locals are paying so I know if I'm getting a good rate)... Thanks!""

How do I get a homeowners insurance for an LLC?

Me and a partner have an LLC under which we own the home we live in. We are now looking for a homeowners insurance but are having some difficulties finding one for an LLC. How do we go about this?

Does anyone have health insurance anymore?

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

Where is a good place to get classic car insurance that will let me commute - not only use the car for shows?

Most insurance that I'm looking into for classic cars are not willing to insure your car if you commute to work and school. They only want to insure cars that are used in shows, parades, etc. I will not drive my car every single day to work...maybe a few times during the week. I bought the car to enjoy it, not let it sit in the garage!""

How much will insurance go up?

I'm 20 living in NJ. Been driving for about 2 years and under my parents insurance policy. I have no points on my license other than the ones that you start out with.I've gotten 2 tickets before but neither of them were point tickets and neither of them went to insurance. This ticket I just received was for speeding (over by 9 MPH). About how much will my monthly insurance rate increase by?

What car is cheapest to insure?

I'm looking for a cheap car what is kinda cheap to insure kinda in the insurance group 1 i'm looking to spend about 700-1000

Is it worth getting motorcycle insurance?

Im about to buy a Drz400sm with a loan. I like to know snice I have a loan should I get insurance coverage on it and what type of coverage like theft for sure im getting it if I do buy insurance. What other coverage should I get for it. I just turn 18 with a super clean driving history and Im planning to take a motorcycle safety course so how much will you believe insurance will coast me on the drz400sm. What are some cheap insurance companies too by the way?

Can a person get insurance on a car when the tag is in someones name?

can a person get insurance on a car if the tag is in someones elses name?

How pleased are you with your health care insurance?

Please rate 1-10 (1 being you do not have health care coverage and 10 you are very pleased Also Please give your age and nationality

How much is car insurance for a 16 year old boy in Iowa?

I am turning 16 soon, and I am planing to get a car. Before I do I want to know how much insurance is... Boy, 16, Unmarried.""

Car accident with no insurance?

I got into a car accident today and totaled my car. the other vehicle just had bumper damage. come to find out my insurance tried to take my payment out my account but were unsuccesfull so they canceled it a month ago. whats gonna happen since i am at fault and no insurance

'occasional driver' Car insurance?

Hi, I'm 18 and I'll be heading off to college in the fall and so won't be home very often. However when I am home I'd like to be insured on my dads car. I don't see the point in having to pay the same price for car insurance as someone who drives almost daily, so I wanted to know if there was a type of car insurance for the 'occasional' driver. I'll only be home on vacations, and even then I won't be driving all the time, but I really need a car insurance for when I do drive, mostly summers.""

Can I have an estimate on my car insurance?

I am an 18 year old male, in the state of Pennsylvania who is gonna buy his own car. I have never been in a car accident or gotten a ticket in the past 2 years I've been behind the wheel (with my moms car). I also have State Farm insurance. Can someone let me know how much It would cost if I got a car insured under my moms insurance? Or maybe if it could be cheaper for me to get my own plan? Thank you!""

Can a teen get his own car insurance in texas ?

can a 16 year olds get his own car insurance policy rather than just adding to the adult parents policy? also at what age can I am on my own car rather than just having it in the parents name? I live in texas .

Few questions on cars and insurance UK ONLY?

i live in the uk and im 16 but 17 soon after my tests and things i want to buy a renualt clio 1.2 and the insurance group is 3E. now is this a high insurance group for a 17 year old as a first car? also if you buy a car and put a body kit on it your insurance goes up. so if i bought a car put a body kit on it and then insured it would it be as much or will it still go up?

Rear ended someone.. how much to get fixed without insurance?

i just got my car like 6 months ago and i was with my friend and he had to stop suddenly cuz of something runnin out in the road and i wasnt paying attention and i rear ended him.. neither of us wanted to get the cops involved cuz he had someone in his car and just got his license which is illegal and i didnt want me insurance 2 go up http://i44.tinypic[dot]com/5obq8[dot]jpg can't link so just replace the [dot] with a period . thats a pic of the damage i dont think its too bad probably just need a new hood bumper fenders and lights right? also if i did end up going through insurance how much would it go up about im 17 yrs old? my mom is paying for it right now but she said if i ever get a ticket or anything that i cant get out of then i gotta pay the difference so idk if itll be cheaper this way or something

""I am turning 16 years, and i really want to drive a moped, how much will my annual insurance cost?""

I am turning 16 years, and i really want to drive a moped, how much will my annual insurance cost?""

How much would a person pay for car insurance?

Let's say I buy a BMW M5 made from the year 2006, how much would I pay for the insurance? Also, let's say it's a new car, too... If you just buy a brand new car, how much do you pay every month? (I'm doing a research... so, please help me)""

How good is the Insurance Business in Florida or Texas?

Hello dear people...I'm an Insurance Agent-Broker who would like to open an office in either of those states, can anybody please tell me how businesses are doing right now there?. I'd like to stay where I live in California, but it is crowded here, plus I'd like to start a new life...your inputs will be highly appreciated....""

Are young adults covered under their parents health insurance till 26 under the new Obama law?

Is it true that the new Obama law states that children/young adults will receive health insurance coverage until they are 26 even if they are not in school, married, and living out of ...show more""

Help in family health insurance in Indiana?

I have a family of 4, My wife and I make about $20,000 a year. Right now, we have to pay $350 a month for health insurance. We already applied for HIP insurance, but it've been 2 years, and they have no positive answers for us. I feel $350 a month is too expensive for us right now, this insurance only pay for us when we have to pay over $10000 at a hospital. For example, if we have to pay $14000 for health, we pay $10000 and they pay $4000 ; anything under $10000, they won't pay. Please help us with our situation, Are there any other options out there. Thank you very much""

My husband needs health insurance.?

My husband works full time but doesn't have insurance thru them. I'm pregnant and most outside health insurances won't cover him because his wife is expecting a baby. I want to know is his work health insurance any different. R they obligated to give him insurance reguardless if his wife is pregnant?;;

Where can I compare legal malpractice insurance like car insurance quotes?

I am a new lawyer and need to get receive coverage. Any attorneys out there know how much I'll pay? Who has good rates?

Cheapest car insurance possible for a new 17 year old male driver?

Cheapest car insurance possible for a new 17 year old male driver, any car. include all details includeing car, company etc""

Motorcycle Insurance 16yr Old?

I am 16, I am thinking about getting a crotch rocket, and just wanna know about insurance. State: Minnesota Year of bike: 1995-2005 I am thinking 650cc - 750cc I have experience on motorcycles (dirt bikes) I do realize their is some difference I have a grade average of B's or higher.""

Im looking for a car thats as fast as any normal 1.6 but is cheap on insurance?

Im 20 years old and i am looking for a car with the same acceleration or bhp as a normal 1.6 normal but i would like one that's cheaper on insurance

I want cheap auto insurance?

I am from canada and i want cheap auto insurance from where i will get this.

Would any car insurance company insure a 17 year old with a 1988 BMW?

I'm just curious if any insurance companies would insure a 17 year old 1988 BMW: http://www.autotrader.co.uk/classified/advert/201230480212123/sort/default/usedcars/price-to/1000/body-type/convertible/price-from/0/make/bmw/onesearchad/used/onesearchad/nearlynew/onesearchad/new/keywords/sport/page/1/radius/1501/postcode/ct66ae?logcode=p I know it will cost a lot but I would like to know if it would be hard to find an insurance company that would accept a 17 year old to drive it under their policy!

Will car insurance effects right away when you call them?

I just bought a car, well imma get it tomorrow I have Infinity Insurance (not the car brand) I will get my car tomorrow, I was wondering If I call them tomorrow when I get car, to add my new car to the insurance car list will the insurance effects right away or later, because I'm going to call them not talk to them in person thank you""

Is it worth having private medical insurance if your in your 30s and healthy?

Is it worth having private medical insurance if your in your 30s and healthy?

Proof of Insurance (NJ)?

Today, while driving home from school, an officer stopped me. I pulled over and proceeded to give him, my license, registration, and insurance. However, I was not given a ticket for speeding, but for failing to produce insurance. He told me that copies of insurance do not count, yet I gave him not only a copy, but the original which had been torn. Will I be charged with failure to produce insurance, even though I had a copy, and the torn original ?""

What is the average homeowners insurance cost of a 1000 sq ft condo?

What is the average homeowners insurance cost of a 1000 sq ft condo?

Do I need car insurance...?

I have a car that will not run at my residence but is still in my name. Do I still need to have car insurance on it? I have a personal insurance that just covers me but not on any specific car. I live in Florida if that helps.

What is a reasonable cost estimate of business insurance for a cafe?

I'm working up some numbers to determine the financial feasibility of opening a small (1000-1200 sq ft) cafe. Starting out with myself and no more than 2 part time employees, what should I estimate for combined liability, equipment, workers comp insurance?""

Shopping for car insurance?

what are some good car insurance agencies out there?

Would the insurance for a 2004 or 2006 Ford Mustang V6 or V8 be affordable for a 16 year old male?

Would the insurance for a 2004 or 2006 Ford Mustang V6 or V8 be affordable for a 16 year old male?

Car accident with no insurance?

I got into a car accident today and totaled my car. the other vehicle just had bumper damage. come to find out my insurance tried to take my payment out my account but were unsuccesfull so they canceled it a month ago. whats gonna happen since i am at fault and no insurance

Can you register and buy a (cheap) car with no license or insurance?

I want to know if i can register a very cheap car thats around 2,000 tops at a used car lot and buy it with no problems.What problems will i face isnt it easyier to get a cheap car like this then at a actual new dealer i have no license or insurance do i pick a dealer with in house financing the only thing they will most likely ask for is it to get registered can i do that im paying half down.?im 21 im getting my license in 2 weeks (and no i cant wait)""

17 year old car insurance question?

Okay. I'm gonna be getting my license in a few m onths (took driver's ed late) and I moved in with my grandparents this past summer when my family and I moved so I could stay in the general area/school and keep my job. So I live there Mon-Thur and Fri-Sunday I stay with my family. I was wondering, being thaf I'm a Junior in high school, am I able to be covered by my parents or grandparent's car insurance? I need some answers. Please & thank you!""

How much will car insurance run about for a 16 year old male who gets good grades and has taken drivers ed?

I am a 16 year old male who has taken driver's ed and gets good grades. I am going to be added to my parents insurance. About how much on average will it cost me per month? Please give me a guesstimate, and I do not want to go to sites for quotes. Thanks""

Motorcycle insurance?

I'm 18 years old and without taking all the time to go through and get a quote I was wondering what a ballpark guess would be for the amount it would cost for a year's worth of motorcycle insurance. The bike it would be for would be the Kawasaki Ninja 250R. It's a pretty small and compact sport bike with no too much power to spike my coverage prices I'm just concerned with my age the price will be relatively high. If anyone knows what state farm or geico is charging 18 year olds for low end start up sport bikes per year that would be great.

How much would insurace cost monthly?

Im 16 and im gettin a 2003 cadillac CTS when i get my licences and i have a few questions. The car is $10,932 how much would the down payment be also how much monthly plus insurance?""

Insurance on a Firebird?

looking for cars with the lowest insurance rates but idk anything about that... i know sports cars are more expensive. age, location, record and all that too.. but are firebirds generally expensive to insure?? and bc its older will it be less expensive?""

16 year old car insurance?

im about to buy a 1997 honda civic ex and i was wondering what my car insurance might be if it helps im a guy in florida and im 16 thanks

My car insurance is too high under parent's name?

My sister added her car under my mom's insurance and they pay for both cars $347 dollars 6 months for just liability coverage. When I tried to add myself to my mom ...show more

What accounts affected by liability insurance?

What accounts affected by liability insurance?

Can you rate these cars on insurance coasts?

I was looking at buying a car. I have selected a few cars that I was interested in buying, but I don't know the coasts of car insurance. Can you give me a price range or tell me terrible, bad, average, good, great. If you can give me a price range that would be great and thanks for the help. The cars are 2005 Nissan 350Z Coupe, 2006 Hyundai Tiburon SE, 2009 Mitsubishi Lancer ES, 2006 Audi a4, 2000 Hyundai Tiburon, 2002 Audi TT, 2004 Mazda RX-8, and 2010 Toyota Corolla.""

How will my first speeding ticket in Florida effect my insurance?

Ok I'm 19 and just got my first speeding ticket on the way to work today doing 9 miles over. So my question is how many points are added to your license for doing this much over and is there any way to avoid getting these points? If not, how will this affect my insurance? Is it going to skyrocket, even though this is my first speeding ticket ever?""

How much will my insurance be?

I found a 1999 Mitsubishi Eclipse and im concerned about the insurance since im 16. sport cars= more expensive. Lets say if a Crown Vic was $130 a month, how much would a sports car be? I will also be on my parents insurance witch there is three cars already on there insurance so the cost will go down some i believe. If i maintain a B- or higher grade for school my insurance will go down an additional 10%.""

""If i damage a car by like 5,000 worth in damages how much will my insurance go up by?

im only 18 and still havent told my dad about it..this is my first accident..and i still have not yet recieved any word if the accident was my fault(accident happened 2 days ago) but what happened was i entered traffic from coming out a place into traffic and got hit...i mean i think it was her fault because i entered in traffic slowly and i assumed that she was speeding and hit me or tried passing me...i didnt just pop out into traffic because she would of have it me on my back znd i saw her car from a distance..there was a camera there i think is one of those pic/video camera for people who run red lights and the officer said that i couldnt use it which i dont get it what i plan to do is once i get word that it was my fault im going to pay for damages to my car by myself i just wanna know will my dads insurance billl be a BIG difference of like thousands i just feel anxious and nervous

Auto insurance renewal?

Hello all, My current auto insurance is ending next month and the renewal form just came in. Coincidently, I was offered a better deal from another auto insurance that was less than half of what I currently am paying. I called and check and it was the same coverage. My question is that do I need to let them know that I will not renew my current auto insurance with them? This is my first time planning on switching and I would like to know if there is any penalties or anything in general I should worry about.""

""1998 Honda civic, had a car accident, back tire smashed in back Axel is bent how much will this cost me?

Any chance my insurance company will decide to total it out?

""Would insurance be high for a 1999 VW Jetta? My first car, 16y/o girl?""

I'm looking at a 99 VW Jetta on Craigslist for $2000. Here's the exact listing: http://pittsburgh.craigslist.org/cto/3371425857.html Obviously this would be added on to my parents car insurance since I'm still a minor. I have to pay my insurance though, so how much do you think it would be?""

What car insurance do you have?

Im trying to find one that's cheaper I recently have 21st Century. What's the name of your car insurance and do you like it?

How can i find the owner of the car and what insurance he's using?

Someone bumped into my car while I was working. I have a witness who gave me the license no. and I have reported this to the police but they said as it happened in a private car park, ...show more""

Can i go on someones insurance but drive a different car to them?

well i know i can be put on some kind of car insurance with someone like a family member but i herd that's only if i just drive there car. is there a way i can be put onto there insurance but Drive my own car. Or does anyone know a cheap car insurance company for young new drivers??? I've tried hundreds and there all saying around 2,500ish!!! which is ridiculous i might be young but i have a one year old and a new born child it is highly unlikely that i will be racing with friends, and putting myself in unsafe situations!!! my cars only Worth like 1000 so i refuse to pay for insurance that's costs more than my car!!!! Any kind of help would be nice!! Thank you :)""

Double up on individual health insurance?

Can you have more than one Health Insurance Plan for your self? I have to buy my own insurance, but even the best individual insurance is crappy and I wanted to now if people ever buy two insurance plans? The insurance i have now only lets me see the doctor twice a year. If I got another insurance plan would it pick up where the other left off?""

What car companies have the highest insurance rates?

Highest to lowest would be a good way to list them for me.

Do car insurance rate drop when one turns 25?

If so, how much? I'll be 25 in 3 weeks.""

Is there a place I can get affordable life insurance?

for someone who is terminally ill and not expected to live for another year?

Why is my car insurance so high at 18? How can I get it down?

I've just passed my test and learnt in a 1.4 diesel and I have a peugeot 206 1.4 hdi, I had insurance quote for 1800 a month ago and now they are saying its 3700 I don't understand what's changed in a month what's the best way to get it down, I'm going on my Nans policy as a named driver and registering the car in her name and its still 3700! Any ideas? Thanks in advance""

How can we get or is it possible to put a freeze for one or two years on health insurance cost?

I see BCBS is going up over 7% for 2011. Is there no stopping these rising costs? my poor pension.

Car accident with no insurance?

I got into a car accident today and totaled my car. the other vehicle just had bumper damage. come to find out my insurance tried to take my payment out my account but were unsuccesfull so they canceled it a month ago. whats gonna happen since i am at fault and no insurance

https://www.linkedin.com/pulse/can-insurance-companies-tell-me-what-car-would-cheapest-louie-galindo"

[noxiousresearch]

Seven totally achievable ways to be fashionable AND ethical

You know that the fashion industry is the world’s second most polluting industry (after oil), or that over 235 million items of clothing of clothing will end up in a landfill in the UK this year. Or maybe you read about the British sweatshops busted by Channel 4 that were paying people a shocking (and shockingly illegal) £3 an hour. According to the Global Fashion Agenda’s Pulse of the Fashion Industry report, apparel consumption is projected to rise by an enormous 63% to 102 million tonnes in 2030, which means we all need to start thinking long and hard about the parts we play in all of this.

GET THE FEELS

Fashion can be emotional. We form connections with clothes – they become key markers of our identities, things that remind us of certain moments in our lives. But somehow, it’s so easy to ignore everything bad about the way we consume fashion – we’ve totally detached ourselves and our consciences from the realities (cheap labour, exploitation – mostly of women – environmental destruction… the list goes on). As WGSN’s Vanessa Belleau pointed out at the Summit, we need to get emotionally invested in sustainability. The human cost of our shopping addictions is very, very real, and seeing an advert for a £7.99 dress should make you wince, not rejoice. If you just aren’t that bothered, try watching a documentary like The True Cost and see how you feel.

JUST DON’T BUY SO MUCH

Ok, ok, ok. I know this is hard. I pretty much spent every weekend of my teenage years in a shopping centre throwing my hard earned minimum wage cash back into cheaply made, totally regrettable clothing just because it was on sale. Right now, mainstream clothing culture is so intrinsically throwaway – high street retail giants try their hardest to get you to spend as much as possible, get bored of it, and then buy more. One speaker at the summit discussed the idea of consumers not only binging on clothes, but actually getting fashion hangovers – you know, where you look at the stuff you spent a load of money on and realise you didn’t actually need any of it. There are thousands of people whose job it is to make you buy things, and we all feel that desire once in awhile. But try to step back, take a breath, and think: do I really want this?

MAKE A LIST

If you make a list of what you really want, it’s easier to not get distracted by the small things you just THINK you want. Maybe you hope to own a Chanel flap bag, or get your first pair of Prada shoes. Whatever it is, having goals will help you not be so tempted by the other stuff. You should look at your wardrobe as an archive which you curate over time, where every piece should either be useful or bring you joy. Don’t give in to sample sale fever, plan out your purchases, and think about shopping as voting with your money. You are too good for that high-street-high-fashion knock off.

EMBRACE THE CHARITY SHOP, MARKETPLACE, AND EBAY

Apart from the hand-painted Margiela boots that my non-fashion friends like to joke look as if I’ve let a toddler loose in my wardrobe with the acrylics, the piece I own that elicits the biggest response is a jacket. A jacket that cost me precisely £30 in Camden Market. Cool clothes don’t have to cost hundreds, and when you find that something that no-one else has, it feels way more special. Even if you weren’t raised to think that getting up at 7am on a Sunday to scour a car boot sale was the ultimate idea of fun (guilty), get out there – you’ll be surprised by what you find – there’s a pair of 90s Moschino jeans or a 50p vintage Michael Jackson t-shirt out there with your name on it.

BUY YOUR DESIGNER CLOTHES SECONDHAND

Fashion is all about what’s next, but that doesn’t mean that some things go out of style. A booming re-sell market has popped up over the last few years, with sites like The RealReal and Vestiaire Collective giving you a safe way to shop guaranteed authentic designer items that are nearly-new. They are also seriously good value (we’re talking barely two seasons old clothes for a fraction of the retail price) and a great way to track down those killer pieces you missed the first time around. Prada flame heels? A Chanel basketball? Vintage YSL? Check, check, check. A way to shop second hand, give clothes a new lease of life, and save money. There are literally no downsides, other than the fact you will WANT IT ALL.

SHOP SMARTER

The good news is that some stores are on the side of sustainability, or at the very least offer more ethical ways to shop. Selfridges, for instance, want to make sustainability the new standard, and as well as initiatives like their Material World project are introducing labels onto garments that meet certain ethical criteria. Then there are indie retailers like Dazed favourite Birdsong, which stocks handmade, ethical garments created by women’s groups, and recently launched their own collection of basics you can wear, love, and not feel guilty about.

AND THE REST.

Sell, donate, or recycle your old clothes! Have a swapping party with your friends and the pieces you’ve got bored of! Handwash clothes instead of shipping them off to the dry cleaner every week! Consider trying out a clothes rental service! Get involved in fashion revolution week! Educate friends and family! There are so many ways to do your bit for sustainability. So what are you waiting for? GET GOING!

http://www.dazeddigital.com/fashion/article/35971/1/tips-for-shopping-fashion-sustainability-ethical-consumption-how-to-copenhagen