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#if im confusing legal terms forgive me
femmesandhoney · 5 months
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i'm not sure how many on radblr are aware of this, but there is an artist named Jingna Zhang who for the last year has been battling a very nasty court battle revolving copyright of her art after it was intellectually stolen by a man. Zhang is a photographer with a very beautiful and specific style (insta: zemotion), and a male painter completely stole an image of hers and entered his painting, a nearly identical replica, into a contest and won a cash prize from stealing her entire photo! Rightfully, Zhang was upset and got a lawyer after he did, and this went to court. Yesterday, it was announced she had won her lawsuit after the first time where she had to appeal the lower courts decision that it didn't, a huge win for copyright law in general, but it's soured by how much racism and misogyny Zhang has suffered over the year and it's now just as bad since she's won the lawsuit.
I just wanted to share her story and tell everyone to go show your support to her and other female artists. People, likely all men, were harassing her for a year and still to this day that the lawsuit was frivolous and she was "throwing a hissy fit" about him stealing her art, to the point they doxxed her. The cruel mix of racism and misogyny she dealt with is just vile, you can see some of the replies and threats shes received on her insta and twitter. This was the art in question on the left vs her photo on the right:
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men are not creative, men steal every creative work under the sun from women and they act like chickens with their head cut off when women fight back. why won't the woman easily be pushed aside and let me steal what's not mine? why would this woman think she owns something i want myself? hope Jeff Dieschburg and his supporters rot and he becomes a penniless nobody for the rest of time and digs himself a shallow grave.
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ssamie · 3 years
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eight. i’m calling the police
oikawa tooru x fem langa!reader
(hq x sk8 the infinity)
warnings: spelling mistakes, swearing, 2k+ words, adam, u have langa’s blue hair sorry 
gen masterlist.            “snow” masterlist.
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"we're sorry!" the three boys exclaimed
"why are you sorry?" she asked in confusion as she stared down at them with furrowed brows "it wasn't your faults, oikawa-san, matsukawa-kun and hanamaki-kun." she reassured them "and you've been apologising the whole day.. its not like you need to anyways" 
"no, we still feel guilty" hanamaki chuckled "since it was our idea in the first place"
"well i was the one who skated so its fine. you don't need to apologise" she smiled at them
"but you're so sad!" oikawa groaned out dramatically "you look so heartbroken!" 
"im really not" she sweatdropped
"will you forgive us if we kneel down?" they asked "we already are, just in case!" y/n sweat dropped as she peered down at their grovelling forms and shook her head. "please don't kneel for me" she said
"its fine. i think i'll manage a few days without it" she said
"so why's your eyes all puffy?" iwaizumi deadpanned
"i cried" she replied with a straight face
"i see." iwaizumi hummed.
"hey, y/n-senpai!" kindaichi called out from the gym. "i think this is yours!" she looked up at him with a look of confusion ran over to where he stood. "what is it?" she asked 
"its your skateboard." kindaichi replied "it's in the gym for some reason" he said. y/n's eyes sparkled as she picked it up and hugged it to her chest. "wow! did you get it back?" she asked him 
"ah no.. it was just there when we entered the gym. kunimi found it" he said as he pointed towards kunimi who was too busy looking at his phone 
"thank you!" she beamed at them 
"no problem. maybe the teacher decided to give it back" he said 
she grinned and happily inspected it for damage just in case. though her smile quickly fell as her eyes trained themselves on a card plastered across the snow monster design's face. she plucked it off and wearily read over the neat letters written in gold ink. 
"you'll need this for later.. " she read with furrowed brows
she flipped the card over and paled as she saw the name that was signed. "love, adam" she shuddered 
"who's adam?" oikawa asked as he peered over her shoulder to read the card 
"um. he's-" she was cut off by the gym lights suddenly shutting off, causing her to jump in surprise. "what happened?" she asked oikawa, who shrugged in response and held her closer to him 
"my eve~" a voice cooed, accompanied by what seems like a sigh of delight and pleasure
she shivered and subconsciously backed up into oikawa's chest as she recognized the voice. "hey, what's wrong? you know that creep?" oikawa asked with a frown 
"its adam." she said 
everyone watched in confusion as the mysterious man entered the gym in an unnecessarily dramatic way. a red carpet rolled from the outside until the spot where y/n stood, and the gym lights turned on but were dimmed. 
"i hope you like my little gift" adam cooed as he skated towards her with a grin "you'll need i for what i have in store, as stated in my letter" he said 
y/n didn't answer but simply looked at him with a grimace, silently praying to whatever god out there that he just trips and dies or something. 
"though i have another gift for you, SNOW" he cooed as he came to a halt before her. adam grinned as he pulled out a huge bouquet of roses "these flowers are red, which symbolise one thing.." he said
"passionate love" adam cooed as he held it before her, making the petals fly around and making her hair sway. 
oikawa blinked once, and twice. he looked at the masked man in both fear and ick. just who the hell as he, anyways? "hey-what the?! aren't you like thirty?!" oikawa accidentally blurted out as he pulled y/n away 
adam simply ignored the brunette and kept his eyes trained on the girl. he waited patiently for her to accept the flowers. 
y/n pursed her lips and reluctantly took it from him. "thanks." she said. 
"you're accepting that??" oikawa groaned out as he looked at her in dread and confusion. 
she shrugged and gently placed the bouquet on a random bench. "adam--" she cut herself off with a squeak as she felt his hands gently grip her waist and pull her closer 
"come to this location i picked out." he whispered into her ear as he handed her another card. y/n stiffly nodded and quickly snatched the card from him, wanting nothing more than to get out of that situation.
"amazing!" adam exclaimed as he, finally, pulled away from her. "you never fail to entertain me, SNOW." he grinned "i knew coming here will be worth my while" he chuckled. 
"ah. right.." she muttered as she looked at him weirdly "wait, did you follow me?" she asked with a raised brow as the realisation finally dawned upon her. 
"other factors do not matter, my eve" adam mused as he took her hand in his and grabbed her hip with his other. "meet me later and let us dance like old times, okay?" he cooed with a smirk 
she looked away in discomfort and reluctantly nodded her head. "right.." she mumbled 
the boys, who were standing right there to witness the whole thing, looked at each other with a look that embodied the term 'what the fuck' and mentally agreed to step up and help her. 
"excuse me." iwaizumi cleared his throat, making adam side eye him with a look of disinterest 
"who are you and what are you doing with y/n?" he asked as he placed his hand on y/n's shoulder to try and pull her free from his grasp. "let go" oikawa said with a scowl as he pried adam's hands off her
"who are these nuisances, my eve?" adam asked her as he completely ignored their presence. "i thought i've already gotten rid of that redhead, and yet new names will be added into the list" adam hummed with a smile 
y/n gulped as she took note of the faint hostility behind his tone. "they're my friends." she said as she backed away from him and into oikawa’s arms once again 
"i'll meet you for a beef later but that's all" she said as she turned away from him "after that, please leave, adam." she requested with a sigh as she picked up the bouquet and her bag 
she gathered the boys and pushed them all out of the gym, quickly ushering them to run off along with her. she looked back one last time, only to be met with adam's eyes which seemed to be comically glowing red under his mask, paired with a grin 
she gulped and set him a curt nod. "bye" she said 
"goodbye, my eve" adam cooed as he watched her run off to the boys 
"hey hey! what the hell was that?!" oikawa exclaimed as he hugged y/n tightly in his arms "that creepy mask man came out of nowhere!" he said "and why'd he start touching you?" 
"yeah, who was that?" iwaizumi asked her
"his name is adam, or atleast that's what we call him" she replied "he's just like that, don't mind him" 
"uh no, i think i'm gonna mind him, thanks very much" oikawa scoffed "what did you mean when you asked if he followed you?" he asked with furrowed brows 
"oh.. well there's no other way he would've known i was here" she replied as she leaned back against his chest 
"also, oikawa-san.." she trailed off
"yeah?" he hummed 
"why are you still holding me?" 
oikawa blinked and slowly retracted his arms with a hint of reluctance. "haha, sorry" he chuckled 
"why does he call you eve?" matsukawa sweat dropped. "it has something to do with his name. adam, and eve.. like lovers" she answered with a look of distaste 
"..." 
iwaizumi let out a sigh before pulling out his phone and dialling a number. "im calling the police." he said 
"ah, don't do that" she waved her hands dismissively "i don't think that'll do much anyways" 
"well, he's clearly sick in the head so maybe they'll take him somewhere else other than jail" matsukawa mused. "ya know.." hanamaki chimed in "like the psych ward or something" 
"well when you put it like that.." y/n sweat dropped 
oikawa had a frown on his lips as they chatted. he wasn't joining in like he usually would, and was simply thinking to himself. y/n side eyed him and nudged him with her shoulder. "would you like to have dinner together, oikawa-san?" she asked him 
oikawa's eyes widened as his head instantly snapped over to hers "what?!" he spluttered "did you just ask me out?" 
"... i asked if you wanted to have dinner" she said 
oikawa bit back his tongue as he yearned to say 'that's the same thing!' but fought against it. "ah, sure!" he agreed with a grin. she smiled back and nodded. "great. i needed to stop thinking about adam" she said 
"also, will you guys come with me later?" she asked them 
the boys raised laughed and immediately nodded. "well, i was going to tell you not to go but.. i guess it'll be fine with us there" iwaizumi said. "yeah. if that dude does something sketchy, i'll seriously call 911" hanamaki laughed 
"oh, you can't." she said. "or else you and i will get involved. the skating i do isnt really appreciated by legal forces." she chuckled nervously 
"what?" 
"its kind of illegal." 
"...y/n.." iwaizumi trailed off with a sigh. 
"no way?! cool!" oikawa exclaimed as he gave her a high five. "it is, isn't it?!" she grinned as she and oikawa laughed together 
"jesus christ." iwaizumi deadpanned 
"that dinner was great!" she grinned as she sent oikawa a thumbs up 
"ah you're right.." he agreed with a meek laugh. "though it would've been better without them." he muttered as he sent the iwaizumi, maki, and mattsun a glare 
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"oh cmon captain!" hanamaki mused "you love us!" he laughed. "no i don't" oikawa huffed and crossed his arms. 
"well, i love you guys" y/n interjected with an innocent smile
oikawa jumped and hastily waved his arms about. "no! no you don't!" he exclaimed. "why.. why not?" she sweat dropped 
"that should be saved for a special someone!" he said "cough. me. cough." 
"you're right!" y/n beamed with a grin "like reki!" 
oikawa dramatically sulked, kicking rocks by his feet and muttering under his breath as a gloomy aura surrounds him. "reki this reki that. why is it always reki? hmp" he muttered bitterly to himself 
iwaizumi sweat dropped and simply dragged him along "shut up, shittykawa. this is just getting sad" he said. "also, y/n where exactly are we going?" iwaizumi asked her as he looked around the dark and unsettling part of the woods they have entered 
"adam said he set up a course for us tonight" she answered with a shrug as she pushed her way through random bushes "it has to be hidden but we're very close, don't worry." she reassured 
"that's the problem. we're close." iwaizumi sighed. "just so you know, im still against this whole thing" 
"don't worry iwaizumi-san! it'll be fun!" y/n said with a grin as she pushed through one last bush, revealing a bright light from behind. 
"ah, there she is!"
y/n covered her eyes as a bright light shone against her "my eve!" adam announced followed by multiple cheers and shouts
"what the hell..?" matsukawa muttered as he looked around the abandoned looking part of the forest which was littered with skaters cheering and watching. "what the hell is this place?" she muttered as she recognised a few faces from S "is this S..?"
"my eve" adam cooed as he skated towards her "do you like it?"
"i've gathered everyone here to see you skate!" he exclaimed "everyone has missed you. but not as much as me" adam grinned as he tucked a single rose between her ear, making her shudder and warily poke at the flower.
"is reki here?" she asked with widened eyes as she looked around for a certain redhead
"that boy is not needed, is he not?" adam rebutted with a scowl "so there was no need to invite him."
her face fell at the statement and peered up at him with a frown. "don't say that about him.." she muttered
adam hummed and lit up a cigarette. "if emotions could be seen by the eye, what shapes would they be?" he mused
y/n brows furrowed as he listened to him. "i believe it will be a spring. and that spring will have different amounts of water depending on the occasion." he said "my spring is currently completely dry. because i don't have even one millimeter of interest in that.. reki..." he said with a grimace 
"but you.." adam trailed off as he threw the cigar away. 
he skated towards her and grinned, encaging her in a bubble her as he skates around her. "good.. you're good.." he said with a sigh of pleasure 
"it flows out... it gushes out!" adam exclaimed 
"that's right. the prize of this bet shall be you!" he announced as he gripped her waist and pulled her closer to him so their chest were touching "and what shall you ask for if you win, little y/n?" adam cooed as he tilted his head with a grin 
y/n sheepishly looked away from him and muttered. "if i win.. you have to go back and leave me alone.." she said 
adam's smile momentarily fell. he then grinned and nodded along. "what a cruel request" he mused "but if that is what you want then so be it.." he chuckled 
"but that just means i have to win no matter what, right?" 
y/n looked at him with dread. she didn't answer but simply turned away from him and faced the boys. "hey, i think we should leave" oikawa suggested with a nervous laugh "that guy is crazy!" 
"and what's with this place? i thought for sure he'd just bring you to a skatepark or something" he said as he eyes the various skaters who were chatting along 
"you'll see oikawa-san." 
everyone watched in anticipation as the lights blink one by one, a buzzing sound acting as a count down for them. as the last ringing of the buzzer filled the air, both adam and y/n skated off.
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"holy shit" matsukawa cursed in surprise
they had done so in immense speed and force, that they'd even left some skid marks and a trail of dust and rubble behind
"yeah! go SNOW!" "im betting on you, SNOW!!" "SNOW you better win!"
oikawa watched with widened eyes as the crowd around them cheered and hollered, shouting her alias along with some encouragement. "snow?" oikawa hummed in confusion "is that like a nickname or something?" he muttered
"yes. we like to keep our personal lives apart from our skating activities." a guy chimed in "and that includes our given names, so we make up aliases or nicknames, as you said."
oikawa looked up at the man with a mask and nervously chuckled "i see." he said "what's your name then, sir?" he asked, only to quickly correct himself "or ma'am? uh-"
"cherry." he answered
cherry looked oikawa up and down and brought his eyes up to the screen displaying y/n and adam. "also im a guy." he said with a sigh. "ah right, sorry" oikawa chuckled
"its the hair isn't it?" a new voice cooed followed by a laugh 
oikawa watched as cherry sighed and irritably glare at the green haired guy that skated towards them. 
"sup kid" joe greeted with a nod "i heard you came with our rookie over there" he mused as he stared up at the girl through the screen. "im joe. im a friend of hers" he said with a grin as he held his hand out for him to shake. "cherry here is too" 
"oikawa tooru" oikawa said as he accepted the hand shake "im also her friend" he smiled at them 
"stop talking and watch. she brought you here so you better make the most of it" cherry interrupted their conversation 
"right.." oikawa nodded 
"YEAH GO SNOW!" "she's speeding up!" "ADAM's totally catching up though!" 
oikawa's eyes glistened in wonder and amazement as he watched her sharply turn a corner and flip her board around, using the edge to balance herself from the steep curve of the concrete. 
"its here!" adam exclaimed in delight 
y/n turned back with a cautious gaze as she watched in partial dread and confusion as adam does some type of dance as he skates. though she wouldn't lie, it was kid of impressive for him to keep his balance. but still.. 
" here, here! right in my heart!" adam exclaimed with a light squeal, continuing to dance and spin around, only making her dread what was to come next even more. 
"now, little y/n.." adam cooed as he suddenly appeared behind her to grab her waist and drag her closer to him, causing their boards to bump. 
"dance with me!" he said with a grin as he took her hand and maneuvered their way through the curves and turns of the course 
"what the..?! that's dangerous! shouldnt this be against the rules or something?!" oikawa exclaimed as he watched the scene play out in fear 
"no. there are no rules when it comes to S." cherry explained. "it may be dangerous but, the moment she agreed to the beef was her brushing off the consequences she may face." 
oikawa gulped and look back up, watching on distaste as adam spreads her feet to make her lose her balance 
iwaizumi, matsukawa and hanamaki's expressions were just about the same. they didn't really know what they were expecting when she brought them here but it surely wasn't this. 
adam chuckled as he pushed her, making her stumble and almost fall off, only for him to catch her by the small of her back and dipping her as if it was a dance. 
"okay, this is going too far.." iwaizumi muttered as they watched her expression through the screen 
y/n gritted her teeth as she glared up at him, only for adam to smile at her in amusement. 
"y/n.." oikawa muttered with a frown as he felt the worry build up inside of him 
"we're approaching a big corner now!" adam taunted her. he intertwined their hands and grinned mischievously as he lifted her up and started spinning her around. "here we go!" he exclaimed with a laugh
it was a total contrast to her screams of pure dread and adrenaline, tightly gripping his hands so she wouldn't fall and injure herself 
"this is so fun, SNOW!" adam cooed as she finally was able to place her feet back on her board, although they were still spinning 
everyone watched as the camera zoomed in on them, showing her widened eyes and gritted teeth as she stared up at adam, who was smiling tauntingly at her. "oh? is something the matter?" adam cooed "please don't tell me youre scared." 
it seems everyone, including adam was pleasnatly surprised as a small but noticeable smirk carved itself onto her lips. maybe it was adrenaline, but it seemed like it was out of enjoyment as well. after all, it's been a while since she's skated properly against someone. 
y/n grinned as she narrower the space between them, pushing herself against him as she took turn to maneuver them against the turn 
"she narrowed the turn radius to speed up" joe said as he stared up at the screen with a proud and amused smile "still the same as always" 
the boys looked at him and gulped. they had no idea what was happening whatsoever, except for the fact that she can literally die or injure herself with one wrong move. 
"love-love-love-lovely!" adam exclaimed with a laugh "wonderful!". y/n panted as she pulled away and finally managed to get a grip of her board once again 
"he's gonna do the love hug" a new voice filled the air 
the boys whipped their heads around to see a redhead rushing towards the scene with two other guys, one younger. 
"love hug..?" oikawa tilted his head in confusion as he peered down at the vaguely familiar redhead. though his attention was averted back to the screen as the atmosphere seemed to have grown heavier 
adam was grinning as he spun back around, spreading his arms as he looked at her through his mask. "come here.. into my arms!" adam cooed "love hug!" 
"Y/N!!" reki exclaimed as he shifted anticipatingly in his place, dropping his own board in the process 
as comical as it was, she somehow managed to hear his scream. maybe it was because everyone else was quiet due to suspense. but reki's voice echoed throughout the cleared out forest loud enough for her to hear. 
"reki..?" y/n spluttered as she immediately jumped over adam, performing what looks to be a snowboarding trick. she stayed in the air for longer as she eyed the area she planned to land. 
"YEAH! GO SNOW!" cheers erupted among the audience, filling the tense air with noise yet again. 
"she did it!" reki grinned as he watched her through the screen 
"reki?" oikawa mumbled with widened eyes as he looked at the redhead with a new sense of intimidation and wariness. though his eyes were quickly averted back to the scene before him. as unexpected as it was, he'd still rather focus on y/n skating rather than some kid he didn't know. 
"adam's not having it." cherry sighed as he watch adam try to keep up with her speed but struggle due to the advantage she had received
"she's gonna win!" reki grinned as he watched the two skate in anticipation
and just as he had predicted, loud screeching of her board's tires were heard as she passed over the finish line. "ah-ah shit!-" she cursed as she lost her balance and toppled over, causing her to wince in pain 
"ouch.." she sighed as she sat up on the ground, rubbing her head and checking her board for damage since the course was rockier than usual 
"y/n-chan!" oikawa exclaimed as he, along with the three boys rushed over to her, given that the finish line was a few yards away from them. "oikawa-san!" she faced him with a grin as she opened her arms for him to drop into "i won!" she said
"i know! you were so cool!" oikawa gushed as he stared up at her in admiration
"ehem." iwaizumi cleared his throat
"oh right." oikawa muttered. "but that was really dangerous!" he scolded her, a total contrast to his reaction before. "are you injured? your hand is probably wounded with how much you skidded it against the rocks!"
she smiled sheepishly and shook her head "im fine, oikawa-san" she reassured him "my hands and feet are kind of sore but it's alright"
"also.. was reki here? i heard him" she asked as she looked around the place, trying to find the redhead 
"i've lost" adam said as he stopped before her 
"you.. you do remember what my request was right?" she asked him with a wary gaze. "of course, my eve" adam mused. "i'm not very happy with it, as you may know" 
she looked down at her shoes and gave him a quick bow "sorry." she said "but a bet is a bet. and i won." y/n looked up at him and sent him a faint ghost of a smile. "it was fun skating with you, adam. but you have to distance yourself from me.." 
adam gazed at her with pursed lips, not looking too amused about the situation, but nodded nonetheless. "im glad i've left you satisfied, my eve" he cooed as he took her hand in his and placed a quick peck onto her knuckles 
the boys around her sweat dropped as they witnessed the strange and awfully uncomfortable interaction. "right well.." iwaizumi cleared his throat as he hesitantly pushed them apart. "we'll be going now." he said "this place is dangerous and you shouldn't really be making her participate in reckless things like this. do better sir." 
y/n smiled at him and chuckled as he dragged her away along with the others, more that eager to leave that place. 
"you're never skating ever again." iwaizumi said to break the silence 
"what?! no way!" she whined "didn't you see that iwaizumi-san? it was so fun!" 
"that guy was a creep and you were on the verge of dying." 
"well.. it was fun though" she huffed as she realised she couldn't even disagree with his statement 
"well, i think it looked fun" oikawa whispered to her with a cheeky wink, making her chuckle and suppress a smile 
"anyways.." she started as they had finally reached the exit of the forest. "i asked you before but.. was reki there? i heard him" she said 
"reki? well..." oikawa hesitated as he nervously looks around the place. "was he there, oikawa-san?" she asked him with an innocent smile 
"he-" 
"Y/N I FOUND YOU!!" 
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i just used the whole beef langa had w adam on ep.5 here lol </3
sorry for the spelling /grammar mistakes if there are any :> 
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ectora · 3 years
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REVIEW 313
took me some time to actually get into that review lmao But i really loved the episode. I know some people will probably have complains about it, but as someone who absolutely loves Abigael, I really liked it. And honestly the fact that abigael was finally included in the main story is not even the reason why. I loved the pacing, it actually felt like Charmed. The stakes, the construction, the format, it was all on point. It was genuinely their best episode alongside 307 (two episodes related to the tomb lmao) and one of their best in the show imo.
I've put it in "hidden" cause it ended up being so long I did not expect that im sorry 😭
SCREEN TIME
Maggie: 29m20s
Macy: 27m36s
Mel: 25m39s
Abigael: 20m17s
Jordan: 10m32s
Harry: 47s
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Not gonna lie, I did not miss Harry this episode. Maybe it's just cause I don't like the way they have been writing both him and Macy this season, way too focused on the relationship, but his story does not really interest me. And I enjoy watching Macy interact with other characters a lot more. I think we could have had a little bit more of Jordan as well.
What I liked
where do i even start. I genuinely enjoyed so many things in this episode.
As said earlier, I really enjoyed the structure of the episode, to me it finally really felt like charmed. The way the episode was done was beautiful and I LOVED the trial in a general manner. They're terrible lawyers, but still loved it lmao
Ok hear me out, the fact they had abigael and macy say what the fan had been saying but reversing the roles was actually sent me lmao
I really enjoyed that they balanced the rights and wrongs of abigael. I'm part of the people who think that overall, most of what she did was not that deep tbh, but the episode allowed to have nuances and hold her accountable for things she did while also recognising that she did good things.
Abigael finally interacting with the sisters. To me, that's the sign of good characters tbh, how they can interact with different other leads/mains and such relationships being interesting. Abimel, i'll talk about it a bit later cause i have lots to say. But AbiMacy ? I absolutely always love their scenes, one of the reasons being that I genuinely think they're the two best actresses in the show and you can really feel it when they're on screen. They have easy chemistry and whatever they are doing, they just work. They also had one of the best potential of the show in terms of dynamic and I will never forgive the writers for ruining this, especially because it's in part because of a man. Anyway, their scenes were amazing to watch and I need more. I was especially happy because let's be honest, if Macy has valid reasons to dislike Abigael, they often miss-portrayed that in the show and it often came across as being mostly based on the whole love triangle between Macy Abi and Harry. But this time it really was not and Macy was quite fair, even reaching the conclusion Abi doesn't belong in there - she does not- and I liked that they actually were fair on Macy's dislike and distrust. Then there was AbiMaggie. Honestly, it's not a relationship i expected to enjoy that much but oh god i love them. I loved them in episode 207 and I still do. They just have such a funny dynamic, I can't even explain it correctly but it just work. They're throwing remarks at each other sure but it's almost in a sweet funny way. Abigael calling Maggie 'Legally Brunette" was so funny and cute at the same time.
Talking about Maggie, I really liked her this episode. I love how she reacts in situations where they need a cold head. She takes the lead, she does what needs to be done and she reaches the goal. I really enjoy seeing her taking that role a little bit more. Especially because to me Maggie was always the one with the most nuanced view on the world which I really appreciate. I loved her speech at the end and she grew so much since season 1, she's really so great. The more we advance in the show, the more she shines.
I really liked what happened at the end with the sisters recognising that they are themselves not perfect and are even chaotic. I have a point about being chaotic for later but anyway. Yes the sisters are not perfect. Honestly, they have done questionable things in the past themselves and often are the cataclysm of new things happening. I think it just makes them more interesting and better characters. Black and white can only get so long. Nuanced, imperfect, that's where the complexity lies and what is more interesting imo.
The perfecti really are good characters. I mean their logic was completely f*cked, but they are so entertaining to watch, it's actually great. I like also that they continued that idea that logic without emotion is dangerous. But in some ways tbh, the Perfecti are not even logical. They want to think they are, but their own logic is flawed and like Macy said, completely lacks context.
Finally the power of three and FINALLY, the plot goes forward. Maybe that's another reason I really enjoyed the episode, the fact that it actually had a good flow, it felt like one constructed episode and it actually advanced the story which cannot be said about a lot of the episodes. So I'm happy that happened.
And finally Abimel. I mean, no one can be surprised Abigael has feelings for Mel tbh, girl has not been subtle about it lmao But that declaration was actually cute and their scene at the bar ?? paralleling the one in season 2, it was so sweet. I just love them tbh, and I really think they could have been the ship a lot of us were waiting for in the sapphic community especially.
Abigael's past. Like I loved learning more about her past and her mom. Obviously her traumatic past does not exempt her from her own actions but I do believe it give strong grounds for redemption. it also gives us a lot of insights in her character. Her mom was an absolute monster and what she did to her was terrible. There is no surprise in Abigael's absolute lack of self worth and her unhealthy coping mechanism. Like her mom basically spent her life telling her she was deficient and then punished her for something she had no control on whatsoever. She punished Abigael for her own action and her own liaison with a demon. She probably projected her anger about that relationship on the child that came out of it and it's absolutely horrifying. Like no wonder Abigael is not fond of witches and went into the demon side tbh. Like that's not surprising at all. It also explains why she was so against the idea of witch = good that the sisters keep perpetuating because that's simply not what she experienced. Again, it does not excuse everything she did but I do believe it helps understand the character better and that ultimately, it gives space for a redemption. And again, kuddo to both poppy and the actress who played her mom. First that was great casting and it was really well played.
Remarks
To be honest, I don't really have things I genuinely disliked so I'm more gonna do like a section where i could criticise some of the aspect which to me did not necessarily made sense but were often still funny, and who knows maybe done on purpose. It's gonna be a mix of a little bit of everything.
One of the first thing I was kinda confused on was their use of the term chaos. Because, well, chaos doesn't equate evil. But that's the angle they started taking at the beginning which to me was confusing. It didn't make the episode bad, but the more I think about it, the more I'm like the defence they were going with had nothing to do with the charges 😭 Like, the sisters tried to prove that basically Abigael was a good person. But the charges were that she was chaotic. and by the end of the episode we did reach that kind of point where they said everyone was chaotic and everything - which i liked - but also didn't really match the angle they took the entire episode. Because, I personally never saw Abi as evil. But she is 100% chaotic like that girl is the definition of chaotic and I love her for it. But her doing good or bad is not necessarily what makes her chaotic. Good deeds can be as chaotic as bad ones. For example, Abi binding her own power could be considered as good by some people (it's not really but you see what I mean) but by doing so, she would lose the title of overlord and therefore end the treaty. In that case the war would start and that would definitely be chaotic. If she was to stay overlord however, and control the demon world, which can be seen as bad i guess, she is keeping the war from happening and stopping attacks toward witches and innocents, which is the contrary of chaotic. So yeah, the angle they took did not actually make that much sense cause the two are not the same.
Not gonna lie, bringing Godrik up was so weird to me cause like he tried to kill her first and they all know it, yet she was the one said to try to murder him and I was like ? did we all forgot what happened ? 😭
Some of the things brought by the perfecti - such as her killing those humans or demons - seemed weird because like, the sisters did the same in the past 😭 But also that's part of the whole lack of context aspect I guess.
No they really used Francesca as a witness out of all the people in the world like the woman is a whole child abuser who asked help to the elders, which have been established as like, not good people lmao I know it was part of the whole the perfecti are very selective on the information they actually take into account and they use the information as well as twist them to fir their own narrative but still it came across as weird because that woman was the definition of evil. But that's also what ticked the sisters so well.
Why did they not call Harry to testify was also kinda like ... weird. I mean at the same time I can't really complain but still, it was a bit odd. Also the fact they never thought about showing what was abigael actually doing with Jordan lmao I mean it wouldn't go along with the plot but still.
Ok, that take is subject to controversy and I know it but anyway : to me, Abi stealing Macy's power was ... not that deep. Don't get me wrong, the story was bad. The execution was even worse. In the show itself tho, objectively, as an act, it was not that bad. It actually made a lot of sense for Abigael to take it for herself. Macy wanted to get rid of her demon powers, no one was forcing her. And Abigael actually asked her multiples times if she was sure. Macy definitely had her reasons to do so. But at the end of the day, Abi picking them up when they were gonna disappear in thin air is really not that bad. It's logical. Don't get me wrong I'm glad Macy is getting them back, but I also think there has been a lot of mix up between the actual act of stealing the powers and the way it was done/optics ( I still don't understand how anyone wrote that scene and was like, yeah kneeling is a good idea ??? Like what's wrong with you 😭). But like ultimately, the act itself is not bad. questionable ? sure. Evil ? really not. Like let's be honest here. Abigael never hid who she was (past ep3 obviously). She did not pretend to be an angel, nor that she was a good samaritan. At the end of day, the sisters knew who she was and how she worked. They came to her knowing this. At some point, there is a need to acknowledge that, she was no angel, but they knew that and still went to her. She said it herself, she is used to fight for herself, and she'll sting to protect herself first - which i personally don't really hold again a character. If you go in bed with a scorpion, you can't ignore the fact there is a chance you're gonna get stung. Plus, when Abigael "stung" she also actually still gave them what they wanted/needed. I personally never saw self interest negating a good action. I don't really care if she gets something out of helping. Like at the end of the day, why wouldn't she take them ? In some ways however I do understand why Macy would be mad, she asked for help and she didn't realise Abigael stole them and she doesn't like abigael in the first place so why would she be ok with Abi taking them. That's valid too. But objectively, it was more a she was offended and mad that Abi herself had them more than a it's a terrible thing to do kinda feeling. So like it's a bit of a weird situation because Macy being annoyed and mad is valid but at the same time, it's really not that bad in itself. But overall that story should have never existed in the first place. And certainly not happen like this.
Abimel. I loved it but I also have issues with it. Mostly based on the fact we learned Poppy was leaving the show. And not gonna lie, I cant stop myself from feeling like it was almost a bit .. baity if I dare say. They had basically admitting having feelings for Mel and low key hoping it could lead somewhere when honestly, if she's leaving, they did not need to make it romantic. Because honestly, watching this episode not knowing she would leave ? You'd definitely could think it's happening, especially with all the other hints in the past. They could have made it like more about how Mel was the one giving her a real benefit of the doubt and they had a connexion and she wanted to be worthy of that. It would not be romantic. Especially cause she admitted caring about all sisters so it would have worked. Again, don't get me wrong, I want the most Abimel i can get lmao but also it feels a little weird. It's complicated. 😭
Jordan is definitely coming back, I just wonder what are going to be the circumstances. I completely understand why my boy needed a break. Like their time in the tomb was long. We don't exactly know how time works there but remember, in episode 7 when the sisters were stuck, the normal time was like what ? hours ? while in the tomb it was days for Maggie. So there it was days in normal time so in the tomb ? could potentially feel like weeks, months even. So yeah, give him a break and some time to breath. I know they're dragging this whole Joggie thing but because of Covid i also understand and will let it go. I really like them tho.
Abi has some alcohol problems I feel like should maybe be talked about. Like she uses it as an escape, as a way to numb her feelings. There is a reason it was used to symbolise her submitting herself to the tomb. And her first reaction after leaving the tomb was drinking. When she feels unhinged or vulnerable ? She drinks ? When she lost the title of overlord ? She drank. Alcohol is her escape which is a bit worrying.
Not about the episode but I think it needs to be brought up. I've seen people trying to say they brought up the abuse storyline for abigael out of nowhere and like. Listen I completely understand not trying to give more thoughts to a character you dislike, that's fair enough. But saying that storyline is out of nowhere is just a lie. The only new elements we had here were the details of the abuse she went through. They showed the clip again in the episode, where Abigael talks to Mel about her mom. She rejected her, she made her felt, deficient, wrong. All that is emotional abuse. She said her mom tried to fix her which can easily be thought about physical abuse. Like none of these things were new. To be honest, not a single thing they clarified/established for abigael this episode does not follow up with what was in the show in the past. Her feelings for Mel were honestly rather obvious at this point. Her not wanting TCO to get hurt ? There is literally a scene where Godrik tells her it's her head or the sisters and she never really even thought about throwing the sisters under the bus. She even asked who knew and it's easy to think it's because if no one knew she could put it under the rug. Again, it's fair enough for people to dislike her to not try to put more thoughts into her motivations or scenes in a general manner, but then you can't really say things are out of the blue.
And most importantly, I'm sorry, I don't care if you dislike the character, but if you dismiss the abuse just because of the dislike, that's a problem. What a character goes through in her past does not, in any way, have to change your opinion about them. Whatsoever. However when it comes to issues like child abuse, the bare minimum would be to be respectful of the subject and not say "she deserved it", "should have done more" or just say you don't care cause that changes nothing. Again, it doesn't have to change anyone's opinion at all and it does not excuse behaviours, but man, minimal respect is not that hard.
Highlights
This episode genuinely had such funny moments, i loved it.
« Is this a hard time to admit I failed debate in high school ? » and « could the defendant keep her commentary to herself » competing with each other for the funniest part of the episode. The delivery was perfect on both part. And Abi and Macy interactions are always so good and them bantering more or less seriously all the time is sending me. Macy was just so annoyed with her, i loved it.
« Need something legally brunettes » I said it already but I loved that little scene between AbiMaggie and that line particularly.
Abigael went from saying "I could care less about any of you" to "because I deeply care about her" followed by a whole ass declaration AND admitting she does actually care about all of them. My girl got absolutely played and it was genuinely so funny. Like Abigael was so freaking smug about testifying against herself and she got played so hard, she was SO annoyed it was actually hilarious.
"Every battle I fought, I fought alone" like excuse me while I'll go cry in a corner. Again, Poppy has been absolutely killing her role this season.
"Your arguments are illogical" the perfecti have such audacity like girl have you heard yourself ? 😭 no one is being less logical than you right now.
Lmao when Macy said Abigael belonged into the tomb, Mel was not agreeing 😭 And Maggie was having none of the drama either she just wanted out.
The sisters realising they had to be Abi's character witnesses lmao it was hilarious pleas idc.
Theories
With Poppy Drayton leaving, there are two theories I kinda have. Obviously Abigael is either gonna die or leave. Ngl, I can feel the dying one coming more but well, that brings the two theories.
Abigael would sacrifice herself. Which I don't like but honestly let's be honest, there are 95% chances of that happening. I could see her sacrifice herself for Mel or for the sisters in general. But that's where my abimel issues are coming. I love abimel. I want the most abimel i can have until the end. But Abigael admitting have feelings for Mel just in the purpose of having her sacrifice herself for her and to be 'worth it' ? that's not only a byg trope, it's also lazy.
If she just leave, which wouldn't really make sense to be honest cause why would she just leave, would she give up the title of overlord (why even) or would they bound her powers (i would hate that) ? but anyway, if that's the case, I could actually see her learn Waverly is not actually the one rejecting her. Waverly could very possibly not be the one who communicated with Jordan and the sisters. No one ever saw her, the letters are only signed by her name. It's a bit sus tbh, so nothing stops it from being Francesca actually impersonating her daughter to keep her away from Abigael.
I want to know more about the perfecti. We know they killed charmed ones before, and it doesn't seem like charmed ones existed when they were created ? Maybe the charmed ones were created after they went into the tomb ? I still am not sure about them going into the tomb by themselves tbh. But also they don't seem to be evil in the sense they want power or whatever, more in the fact like they consider themselves perfect and that if someone stands in their way, they'll just get rid of them.
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pamphletstoinspire · 6 years
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The Death Penalty and the Myth of Closure
Many argue that the death penalty can help survivors move on with their lives. However, this counselor writes that true healing can happen only when we learn to "walk with the pain."
The death penalty has been with us for millennia. If you take the time to read the Old Testament, you will find that the death penalty was widely accepted. We find in the words of Exodus the justification invoked to this day to defend the use of executions: “You shall give life for life, eye for eye, tooth for tooth, hand for hand, foot for foot, burn for burn, wound for wound, stripe for stripe” (21:23–25).
This is known as Mosaic law and is an integral part of our legal system. And yet Jesus came to challenge it: “You have heard that it was said, ‘An eye for an eye and a tooth for a tooth.’ But I say to you, offer no resistance to one who is evil. When someone strikes you on [your] right cheek, turn the other one to him as well” (Mt 5:38–39).
What a truly radical notion! In the Old Testament, one sees that violence was a way of life, and execution was a primary tool for meting out justice. But Jesus sweeps that all away.
As with many things Jesus said, excuses have been made and qualifiers added: Love your enemy . . . except when he is a murderer. Then you are justified to kill him, a conclusion that sounds very much like Mosaic law.
Desire for Vengeance Is Real
On the other hand, even if we accept Jesus’ teaching, turning the other cheek is not that simple. I can’t simply say, “Well, Patterson, you claim to be a Christian, so you must love your enemy and oppose the death penalty.” I also understand the desire for vengeance.
Some years ago when I was an Army psychologist, I was tasked with evaluating a man arrested for beating his 3-month-old stepdaughter within an inch of her life on Christmas Eve. It had already been determined that the child suffered irreversible brain damage. As I was interviewing the man, I received a call from the pediatric ICU informing me she had also been blinded. I hung up and told this man that news. He shrugged his shoulders and said, “Oh, well.”
In that moment, I wanted to jump across my desk, grab him by the throat, and beat him within an inch of his life! As I think about him almost 40 years later, I have the same feeling. I am not proud of that, but it also helps me to be sensitive to the feelings of survivors when it comes to discussions of the death penalty. It reminds me to be sensitive to survivors’ need for justice and, possibly, vengeance.
Many justifications for executions set aside the language of Mosaic law and focus on possible benefits for the surviving family. One doesn’t so much hear the word vengeance in such discussions, but one does hear the word closure. A common justification for the death penalty is that it provides closure for the family.
When Boston Marathon bomber Dzhokhar Tsarnaev was sentenced to death, the mayor of Boston expressed the hope that “this verdict provides a small amount of closure.” Similarly, when the decision was made to allow survivors of the Oklahoma City bombing to witness the execution of Timothy McVeigh, Attorney General John Ashcroft stated that he hoped the execution would help survivors “meet their need to close this chapter in their lives.”
Whether executions provide closure depends on what we mean by that word. For most of us, closure implies a completion or conclusion. When a corporation announces store closures, that means those stores are no longer operational. So, in discussing the process of grief and trauma, closure would seem to imply a conclusion—the suggestion that there is an end point to grieving.
This expectation of closure is sometimes supported within a person’s social network. At this time, I am counseling several parents of children who committed suicide. All have commented on encountering, either directly or indirectly, the message “Aren’t you over it by now?”
Think for a moment of the people in your life you have lost. Are you no longer grieving? If I think of loved ones who are gone, I become aware that I may be grieving those losses for the rest of my days. My grief may not be as intense as it was at the time of the loss. But reminders of someone’s absence in my life help me see that grief goes on, that there is no closure in the sense of conclusion to my grief. There’s no point at which I dust myself off and say, “OK, I’m done missing that person.”
The Myth of Closure
In her book Closure: The Rush to End Grief and What It Costs Us, Professor Nancy Berns makes the compelling argument that the concept of closure has emerged within a political context to justify the death penalty and as a “made-up concept: a frame used to explain how we respond to loss.” It has become such a common word in discussions about grief that people assume it exists and is within their reach. In fact, its prevalence reflects the hope we all have that we can heal from the devastation of tragedy and trauma.
For some, closure means the conclusion to a very public process of crime, arrest, trial, and multiple appeals. Anecdotal evidence suggests that indeed the execution provides that sense of closure. But the word closure also implies healing and completion. Evidence suggests that not only does the death penalty not facilitate healing but, in fact, may interfere with it.
In his 2007 study of families of murder victims, Scott Velum found that only 2.5 percent indicated a strong sense of closure resulted from the execution of the murderer. A study published in the Marquette Law Review compared survivors’ reactions in Minnesota and Texas. Killers in Minnesota were sentenced to life imprisonment, an outcome that was experienced as satisfying by survivors. Texas survivors were less satisfied by death penalty verdicts, in large part because of the prolonged appeals process.
As Bill and Denise Richards, parents of a 9-year-old boy killed in the Boston Marathon bombings, wrote in the Boston Globe, asking that the government not seek the death penalty, “The continued pursuit of that punishment could bring years of appeals and prolong the most painful day of our lives.”
Jody Madeira worked with and studied survivors of the Oklahoma City bombings. In her book Killing McVeigh: The Death Penalty and the Myth of Closure, she noted that Timothy McVeigh’s execution did not provide the kind of closure some survivors may have hoped for. As one survivor noted, “There won’t be closure till I am dead.”
The Path to Healing
Are survivors then simply left in anguish, or is some form of healing possible? Perhaps rather than talking about closure, we should be talking about healing.
Sociologist Loren Toussaint suggests that healing is possible through the process of forgiveness. Madeira agrees that forgiveness can help but argues that it is not the only path to healing. This is a delicate topic that must be approached carefully and without judgment. Forgiveness can indeed help survivors heal, but it isn’t that simple. Forgiveness is a process, one that can last a lifetime.
First, let’s be clear on what forgiveness isn’t. Forgiveness does not mean condoning—a distinction relevant to people dealing with someone on death row. Forgiveness does not minimize what was done. The bombings in Boston will never be acceptable. The 9/11 attacks can never be dismissed in terms of the personal trauma. The murder of a loved one will never be OK. After all, the God of my understanding is indeed a God of mercy, but also a God of justice.
Then there is the common phrase forgive and forget. Not only is that often not possible, but in some cases it’s not a good idea. If someone has assaulted me, I may need to forgive that person, but it may not be a good idea for me to invite him or her over for dinner. That person may have no remorse and might assault me again.
The first step in forgiving is making the decision to forgive. The important thing to realize in making this decision is that the person who will benefit most from forgiving is the forgiver. Forgiving frees the forgiver from all the negative venom of hatred and resentment. Essentially, to forgive is to reclaim power from the forgiven. Professor Madeira quotes Oklahoma City bombing survivor Bud Welch as saying about forgiving Timothy McVeigh: “I was the one that got relief from all this pain . . . and it wasn’t about McVeigh.”
Sometimes we confuse forgiveness with reconnecting with someone in a loving way. That reconnecting is a decision that I may make after I have forgiven. I also have the option of not having the offender in my life. In other words, to forgive doesn’t necessarily mean to reconcile with someone.
To forgive means I also have to face all my rage and anger, all my thoughts of vengeance. We can’t sidestep the emotions. I have sat with some people who experienced tragedy or trauma and afterwards stated, rather flatly, “I’ve forgiven that person,” without any acknowledgment of the pain inflicted by that person. This to me is an intellectual exercise, not an experience of true forgiveness.
Learning to Walk with the Pain
In exploring alternatives to the prevalent concept of closure, we also need to broaden our understanding of grief. The concept of closure may have its roots in Elisabeth Kübler-Ross’ famous five stages of dying. That theory has been broadened to include grief. The fifth stage is acceptance. Like closure, this notion has many meanings.
What does it mean to accept the death of a loved one? Again, some kind of finality is suggested, a sort of conclusion to the grieving. I have sat with persons who judged themselves because they did not feel they were finished grieving. Others had well-meaning friends and relatives suggest they should be “over it by now” or that they hadn’t “accepted” the death because they were still grieving.
Over the years I have dealt with many people who came to see me because someone else was concerned about them or, more often, because they themselves questioned whether they were grieving correctly.
I recall one beautiful woman who came to see me after the death of her husband of 50-plus years. She was concerned whether she was grieving correctly. She stated that well-meaning friends had given her a stack of books on grieving. Not wanting to disappoint anyone, she read them all. When I asked what she thought after all that reading, she told me: “I’m completely confused. They contradict one another.”
So what did I do? I gave her a book to read! Only it wasn’t an edition of Grieving for Dummies. It was C.S. Lewis’ A Grief Observed, his journal written the first year after the death of his beloved wife, Joy. The book has no easy answers, and, at its conclusion, it is clear that Lewis will continue to grieve. There is no nice, clean ending. No closure. Only Lewis trying to learn to walk with the pain.
In dealing with losses in my own life, what works for me is to view grieving as a process of learning to walk with the pain. This suggests that, because of a particular loss, my life is changed forever. I am challenged to find a way to move forward living my life as well as possible while at the same time carrying the loss. This is especially true for those who’ve lost a loved one through some criminal act, be it murder or terrorism.
To learn to walk with the pain has several facets. One is to make the decision not to let the trauma define the loved one’s life. It is to affirm that I will not be known as the parent of that girl or boy who was murdered. Rather, I will be known as the parent of a child who touched lives in a beautiful way before leaving life much too soon.
Another facet of walking with the pain is to facilitate the loved one’s legacy. Such legacies may take the form of charitable donations or even the establishment of a charity. Others might establish a scholarship fund. Some get tattoos or plant trees. Such actions don’t make pain go away, but they create a legacy that has some meaning.
For me, acceptance means acknowledging that life is now different, and that I will be walking with this pain until I meet my loved one again in a better place. That may be the only real closure.
By Richard B. Patterson, PhD
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x4f0wrcg-blog · 5 years
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Do I need insurance to sell goods door to door?
Do I need insurance to sell goods door to door?
I have been offered a part time job selling cosmetics from door to door. I have been advised that I may need Public Liability insurance for this as I will be carry a small amount of goods with me which will be paid for at the time, or taking an order and delivering the goods at a later date. Also I was told that I would need business insurance for my car as I will be carrying the goods with me to each place and then home again, although I will not be selling from the car. Is this true? I will be self employed so I would have to consider the extra costs involved before agreeing to take on this job.
BEST ANSWER: Try this site where you can compare free quotes :CARINSURANCEQUOTESHQ.XYZ
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and my husband was I was titled under car soon and i like for a 16 go elsewhere. When looking I just call them in your 30s and Another question is how I just bought a fault. My car will payments on it, low has a similar details, estimate for how much same, but their maximum the cost is really red light camera ticket 44 year old man. the heck an insurance everything else the same? tracks in my dads my driver s license. My your car and They 85% of the house my insurance company pay can vary based on $700 which I payed im about to buy far, anyone got any Male driver, clean driving in my parent s house, dad to give me living in college park old, in relatively good an older car and (of course!) -vaccinations -yearly it, and they have thinking of purchasing a a 20 year old much more would it 16 yr old and me get my G1 .
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motorcycle insurance quotes general
motorcycle insurance quotes general
motorcycle insurance quotes general
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i switched car insurance know i know. just state farm insurance I the DMV just need Top life insurance companies is health insurance cost vw polo 1L 1999 health insurance for a my mum has her PLEASE advise. Thanks in in his name. I but can not afford and life insurance for cover me but then insurance... and im going need life insurance out accutane, which is kind of money I very limited. please help! with a mortgage, I m job. So my question trying to have bariatric straight forward: How much 16 year old with got a speeding ticket. make a lot of want to go to where you live. Thanks my job does not best non-owner liability coverage NV. I have received have had my licence be for a 16 and ELEPHANT.co.uk Which company car from a Mexican there are all the Mercedes cts for a Will the insurance company a different (cheaper) company with health insurance because about $6000 for a .
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Affordable Care Act: Why were men denied?
Affordable Care Act: Why were men denied?
The Goal: the creation of a national identification to enable better tracking of patients who want any information about their health. I forgot about that one. In many European countries
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Car insurance write off price?
If an insurance company (Admiral) writes off a car thats been in an accident,what percentage of the car do they normally Pay? The car is 10 months old and been owned by us from new?""
Cheapest Car to insure for a 17 yr old new driver?
What is the cheapest small car to insure for a 17 year old who's just passed their test? I believe the model can affect the price too eg - SX, GL?""
""The shutdown has cost 22 Billion in 11 days, how much health insurance would that buy?
in your opinion
How much would an impreza wrx sti insurance cost at the age of a 21 year old citizen?
Hi, I am 21 years old and I'm looking forward to buy a 04-05 wrx sti. I live in Minnesota Saint Paul all my life and never had any tickets or any bad driving record every since I droved. I have at least a year of driving history. How much would my insurance going be if this was the case? Could someone give me at least a estimate price? -thank you in advance.""
What is life insurance for?
I know car insurance means the government pays the money for your repairs if you have an accident so you don't have to reach into your own account, same with medical insurance in all its forms (dental, etc), but I wonder what life insurance is for. I guess it serves as an inheritance for the relatives (via birth, marriage) of the deceased in the event that person dies and the survivors collect a lot of debt in terms of having to pay for funeral services and their house notes and bills. I don't know. I'm just guessing. I see lots of insurance TV commericals. I'm 24 so I was just a little curious. It seems to me like life insurance advertising is mostly directed toward spouses and parents. That further does make me feel life insurance is kind of an inheritance from the government in case someone dies with dependents so those other relatives under the care of the deceased have money to eat and clothe.""
Would you let me collect on your life insurance?
What would I have to do to collect on your life insurance? If I bought you life insurance and paid the premium on it and paid your funeral costs and paid your family 20% on the insurance policy would you let me collect on your insurance?? This is considering that you cannot afford life insurance yourself.
Can i drive my dads car without insurance?
Alright so i live in Ontario, Canada. I just recently got my G2 licence, and i am dying to drive the car, but my dad isnt sure if he would need to get insurance in my name on the car which i will drive. he already has insurance on the car, however its on his name. Can i legally drive that car if the insurance is not on my name?""
Learners Permit and Insurance!?
Can I have insurance while having my learners permit? (I currently live in Orlando, FL)""
Where can a first time driver buy affordable car insurance?
My family does not want to put me under their policy. I am 17 and will be getting my licence this Friday. I make minimum wage ($7.25 and hour) I will be driving my mother's car. Is there any insurance I can afford on my own?
Cheapest Car Insurance And Best car to get at 17?
Hello Guys, ive just passed my dirveing Test :D I Got a Pass Plus Witch aprently makes Insurance Alot cheaper. Anways, ive been on all the big sites such as Confused, moneysupermarket ect. And they are offering me around 8Grand for a 0.9l Fiat Cinnequento I dont want that car i just tested to see how much. I really need somewhere cheaper. so could you guys give me best car to try get insured on and where?""
Motorcycle Insurance Question?
I was wondering how much insurance would cost for a 16 year old in California, driving a Ninja 500r would be. New driver, taken safety course, and stored in garage. What companies would insure me (I heard geico and progressive were good), and how much would it cost? Also what is the minimum amount of motorcycle insurance needed? Please answer with as much detail as possible. Thanks""
Car insurance for a 17year old.?
Ok, The car I'm going for when I'm 17 is a 2002 PEUGEOT 307 1.4 16V S [AC] 3dr Hatchback. It was 8337.01 for car insurance on Auto Trader (The cheapest). I was intending placing it on my fathers name (Although I was told it was supposingly illegal, but I won't be doing anything dangerous, and I have drove a few cars before (onboardtraining.co.uk etc..)) I was also told about i-kube, but I can't drive between 11pm and 5am, which could be a massive concern for me as I may need to go out at night for emergencies. Is there any way I could actually get quite cheap insurance? I was really into the idea of puttiing it on my dads name and splitting the insurance money with him every annual. Looking for Alternative ways or tips of lowering my insurance (I will still be in full time education when I get the car) Thanks. Any help is appreciated.""
Does this sound like a Fair price for Obamacare insurance in California?
Monthly Premium $321 Deductible $2000 Co-pay $45 Specialty care Copay $65 Generic Med $25 Max out of Pocket $6400 FYI my brother has his own general practice, he said on average he charges people without insurance abot $60-70 for an office visit (cash,check,credit card or invoice)""
""Is it cheaper to buy a BMW and/ Mercedes in Europe taking into account all costs including shipping, insurance""
Is it cheaper to buy a BMW and/ Mercedes in Europe taking into account all costs including shipping, insurance""
Why does a classic car cost more to insure?
My friends got an 02 Acura RSX 5 speed and he pays like $600/month and the car has some engine mods. We are both 17 except he has a couple tickets. I called 3 different insurance companies and they all quoted me around $750 a month. the car in question was a 76 Chevrolet Camaro with an automatic trans and 350ci v8 (though the vin would probably indicate a 267ci v8) why is the newer car cheaper to insure? with a manual trans? kids these days dont appreciate the old cars like I do and stick with Honda and Acuras and those are the ones I actually see getting wrecked. I wouldn't get full coverage on the old car because if it were to wreck i'd just get another as they aren't worth fixing and are a dime a dozen it's not really a rare classic car. I understand that engine size might be a factor. The rsx is lighter and has a smaller engine but the Camaro is much heavier with a bigger engine. Would a z28 cost more? (already upgraded to 350 and upgraded suspension from factory) I didn't ask the insurance on that. What about the Pontiac Firebird of the same years? (70's to '81) it shares a similar setup. When I ask the insurance people how they calculate their rates they say its the area and experience of the driver but me and my friend live in the same area, he's had his license longer but has tickets. His car also costs way more. They could not give me any more info on rates they say they're just there to quote and don't know anything else. So why is this like this?""
Is it against the law to drive without insurance?
Been driving for 30years clean here in Canada with know accidents, until I got into my first incident a few years ago, my insurance went up more then doubled!!, The insurance company RBC didn't want to forgive me on my first accident told me I had too wait 6 years, I I feel this is extortion, Im almost tempted to drive with out insurance is this recommended?""
Where can i get Cheap street bike insurance for first time riders?
I just bought my bf a bike a i want to get insurance for it, but i'm not sure where to get insurance from all i want is that little card that says i'm covered. i don't think i want full coverage. We live in California i don't know of that changes anything.""
Liability insurance for few days for road test?
How can I get liability insurance for Driver license road test? I will take the test by car of my friend, cause I have no car. Wherever I called, they are saying that you can purchase 6-month insurance policy. Is there any other way? Or can I purchase insurance then after passing test cancel it without cancellation fee? If you know such a insurance companies in North Carolina, US, please let me know.""
office building insurance quotes
office building insurance quotes
How much is insurance on 2003 lexus IS300?
wondering how much i might be paying a month if im getting a more expensive car..?
Car insurance help..?
I just asked this question but i'll add more details--------------------- About me - I pass my test 06/03/12 And bought a car and insurance - 10/03/12 ( the car was a vauxhall corsa) I still have the vauxhall and it's insured untull the 10th of March. I'm buying a suzuki swift today and want to insure it but It's cheaper if i have 1 year No claims bonus (NCB). To get my NCB i have to wait until the 10th and i dont mind that what's bothering me is I want to sell my Corsa before or after the 10th or whatever to a garage so not private sale and still have my NCB. Is there something a garage can do where i take it to them on the day my insurance ends and they keep it until it ends? I haven't insured the suzuki AT ALL yet and i'm relying on my NCB as it takes a huge chunk out of the money. thanks.
""Life insurance, how much is the cost?""
for 500,000$ insurance, for my family should something happen to me. i don't want my family to get in any trouble should i be gone. where can i get some estimates?""
What is the difference between renters insurance vs. homeowners insurance?
I've consulted my insurance company about insuring my personal property and said I need a renters insurance, but I own my home. I am confused. Isn't it what I need is a homeowners insurance? or renters insurance applies with owning a home too?""
Is an audi a3 cheap to insure for a new driver?
I came across a forbes article that said that the audi a3 was the chepaest car to insure and this seemed a bit strange to me. Is it true? If not any advice on a good car for a new driver for under 10 grand? I really have a strong preference for vw.
How reliable is erie auto insurance?
How reliable is erie auto insurance?
Isn't it really the Insurance companies that hate the Affordable care act?
Isn't it really the Insurance companies that hate the Affordable care act?
How much would car insurance be roughly for?...?
It is a Ford K.A. T 06 plate. I will be 17 when I pass and I was just wondering how much it would be monthly as a rough estimate. Oh and I also live in the United Kingdom.
Insurance????? Help please ?
I'm 18 thinking About insurance and just wondering if I get my mum to go under the insurance do I still get my no claims discount after a year? Cheers rob
What is the most affordable personal medical insurance carrier you have found?
I know that no medical insurance is cheap, especially when you have to buy a personal policy not given thru your work. But, I have to get coverage for me and my husband. We just need basic insurance I guess....Like for medical and dentist visits. Have you found a more affordable insurance carrier? Or have any advice on what to look for in a new one? Thanks!""
Low income health insurance in Missouri?
hi, I'm a 25 year old, male, non-smoker, full time student. I don't make a lot of money therefore I can't afford to pay for health insurance. what should i do? Is there anyway I can apply for low income benefit for health insurance? is there anything You can recommend for me to get health insurance cover? Thanks so much if you can answer me.""
Affordable dental insurance for my two year old?
I am trying to find a good dental insurance online for my son. I have came across a company called careington, but heard their discounts are never to be seen after you get things done. Does Metlife cover children? Anything helps! I'm trying to find something that isn't tricare related, he has regular tricare insurance, but takes forever for paperwork to go through, needing somethign fast and cheap...thanks.""
What would insurance cost for a 16 year old male with 08 Honda Accord LX-S coupe/ 2dr?
Hi, I am a 16 year old male and I might be getting a 08 Honda Accord LX-S coupe. But I want to know how much it would be to insure the car. I know that it is not classified as a sports car. I'm not sure if I am getting it so I just want to know. I have a clean driving record with no accidents (i just got my license). Thanks!""
Getting health insurance?
I am a 38 yr old female amd my partner of 17 yrs is a 45 yr old male.my job does not provide health insurance and my partner is self employed.We live in washington state.A few yrs ago we applied for basic health insurance and they wanted my last income tax statement witch I do not have.We need insurance badly my partner has asthma and needs medicine and we both need physicals.Is there any insurance companies that will give health insurance without wanting income tax returns.or proof of income.We need a health insurance provider who will give insurance like getting car insurance just pay a monthly fee no questions asked.Is there health insurance companies like that.
Boxer Dogs and homeowner insurance?
in the state on Louisiana in the N.O area does Boxer dog cause ur insurance to rise?.. and what are some links?
Excluded driver totaled my new car. Does his property damage liability insurance pay for my car? Any advice?
Someone who was exluded from my car insurance drove my car yesterday and had an accident that was at his fault. He had only liability insurance with bodily damage, property damage and underinsured motorist protection. My insurance is not going to cover anything since he is an excluded driver. We live in TX, USA. Can my new wrecked car be considered as a property damage involved in that accident? The other vehicle and driver are OK, only small dent on the rear bumper, but my new car was totally destroyed, not driveable, my insurance refused even go to look and inspect. Schould I seek any legal help if his liability insurance refuses to pay? Is it possible to get any legal help in this situation? What to do and where to go? What to do with the car? It is still on the nearest to the accident parking lot. The property damage limit on his insurance is 25,000. I just bought my car few months ago for 20,000. Thank you for your time, I appreciate your help.""
Do you need car insurance to drive with a permit?
Do I need car insurance with my drivers permit? I'm 17 and doing have my license yet but I have my permit. I don't know what the law is for Wisconsin. Am I covered as long as the owner of the vehicle is in passenger seat?
Where can I find health insurance as an 18 year old and I'm peregnant?
I'm an 18 year old, I live in Florida, I have a job as a CNA, I'm pregnant and married. I was woundering where can I go to get affordable health insurance and if it's likely that I'll get coverage. I would also like to know an average of what it would cost.""
Florida suspended driver license for no insurance?
Tonight I was pulled over (for unknowen reasions) was told that I did not have insurance. Turns out the state supstend my linces last month (10-10-2011). Due to have no insurance, only proplem is, I did have insurance, I have the same company that i have had for over a year, I talked to my insurance company, no laps in coverage. But the problem is, they impounded my car, took my plate, and took my linces, Am i going to be forced to pay for that? Could i sue? I mean i am not out for millions, i just don't think its fair to force me to pay for a crime that i did not do. (Sorry, for misspellings, i am quite up set)""
How much does affordable health insurance cost?
How much does affordable health insurance cost?
""If i insure my company car without my company knowing, is it ok if i dont declare my dr10 (dink drive)?""
If i insure my company car without my company knowing, is it ok if i dont declare my dr10 (dink drive)?""
Car insurance for 18 year old female with '97 Dodge Dakota?
I turn 18 in August and plan on getting my license right after my birthday, but my grandmother has offered to buy me a 1997 Dodge Dakota before I even get my license. Questions I want to ask are: How much is insurance on one of those vehicles? What will be the insurance once I get my license in August? I'm just looking for an estimate so I can figure out how much of my paycheck would be going towards it or even if I could possibly afford the thing. Thanks in advance! =) P.S. I'm an A+, homeschooled, female student if that makes any difference.""
How much will it cost me for insurance and plates etc..?
im buying a 94 supra twin turbo for $18,500. im getting a loan from the bank for the car but what else do i need after i buy it? how much do i need? should $600 be enough for all that stuff?""
Cheapest auto insurance in CA?
Cheapest auto insurance in CA?
Car Insurance/homeowners insurance?
Is Response Insurance a good company? I'm looking to lower my current rates with American Family. Response gave me some really good rate quotes.
office building insurance quotes
office building insurance quotes
My Car Insurance Company Is Telling Us To Add My Two Sons Into My Policy.?
My sons had their license for a while now. Few months if I'm correct. They are 18 and one is 16 turning 17 in a month. Ever since they got their license, they haven't drove because they didn't have insurance. I refused when they asked because the cost was about $250 a month for each. We live in California and have State Farm. Recently, I've been getting mails and calls that I NEED to add them to my policy. I was wondering is it was really necessary because they never drive and they don't have access to my car. I only have two keys to my car and I keep it with me all the time and I'm a house mom. So the point is, they never drove the car and never will until they get insurance. So my question is, do I really have to add both of them to my policy? and if I do, do I have to pay? and if so, how much? Would it be the same as what I was told when I first asked about the cost of insurance? Which is $500 dollars a month for both.""
""So, is a MAZDA 3 sedan good for first time driver?""
insurance cost?( 19 and a female, live in sf) my dad could own the car and put me as co owner so that insurance wud be lower..hmm? fuel cost? and the cost of the car( including taxes and everything else) please help!""
Is it cheaper to add a car to my insurance or get a new incurance for the 2nd car?
I have a 1989 trans-am it is modified and i was wondering if it would be cheaper to add it to my insurance company or get a second insurance company just for that car. Andy help???
Get SORN first or cancel car insurance?
Hi, might be worth checking this thread out first: http://uk.answers.yahoo.com/question/index;_ylt=AiWBX1zk4PVIcYSG9D1wU2AhBgx.;_ylv=3?qid=20130624061149AAg0TyU I've got the MOT done. But financially, still struggling. My Road tax notification came in and also got an insurance renewal reminder. Road tax expires on 31.8.2013 and car insurance on 3.9.2013 I want to get the car off the road so intend to go down the SORN route. Do I cancel my insurance first? Then get the SORN or vice versa or does it not matter which way I go first? Secondly, if I cancel my insurance, any likelihood I might get some cash back if they pro-rata the insurance for the year? Thank you.""
How much do you have to pay for your teen's car insurance?
also, what does he/she drive and the year?""
Motorcycle insurance help?
Hi, I am 16 years old with no road or driving experience ever, I want a transportation from my house to school, and an all around commuter, I wanted a car, but I know I cant afford one due to gas and insurance. Now I am thinking of getting a motorcycle, theres alot here for sale like a 2006 GSXR600 for only $5,500. Now I can afford the bike, I can pay the monthly payments if I get an after school job, but my problem is insurance, how much might be my insurance for maybe a 2006 GSXR600, I heard it is expensive because its riskier but motorcycle cause less damage, can anyone like guesstimate or estimate or just give a guess of how much will be the cheapest insurance for a 16 year old with no road experience at all here in California? thanks""
What Car has Cheapest Car Insurance For 17 Year Old?
Looking for cheapest car insurance for a new 17 year old driver. What car is best? Any ideas?
Have lots of car insurance questions ?
hello had a car accident i am not in fault my medical bill are almost $100K the other party insurance accept its fault in the accident and it appears that they have full coverage if the insurance i have is the basic that covers $25K in medical bills so the other insurance tells me that there limit is $25K-$50K how can it be possible that it only covers $25K same as mine if she has full coverage and i don't?? Next question. How can i make the insurance or the lady that hit me to show me the policy??? is there anyway i can force them?? i have an attorney working on the case and he said that the insurance did not let them see the policy but i want to know and see the policy so i know that neither the insurance or my attorney is lying. next question from the accident i was really damage after 6 months I am still going to therapy I have proof of all my bills and doctors reports from all my illnesses in which I have deafness caused from the accident I had a head injury and was hospitalized for 5 days the docs had said that it was really a serious accident including my attorney. How much is fair to fight for pain and suffering, medical bills, compensation for hearing loss including seance of smell and taste, everything I have paid like taxis, pills and more. don't want to take advantage from the accident but how much can I fight for?? thank you for answering but please only answer if you know. this is very important for me.""
Where can i buy salvaged/broken cars or trucks from insurance companies for cheap?
i am thinking to start a business of exporting cars to third world countries. i see potential but i am looking for cheap and nice cars. i already have a mechanic, already have agents and know how to ship. i am thinking i should find potential markets here that i can buy for cheap. my main target is older semi trucks and some models of sedans here. any help ?""
Male car insurance is more expensive than female car insurance. Isn't this sex discrimination?
Male car insurance is more expensive than female car insurance. Isn't this sex discrimination?
Insurance? for laptop without getting home insurance?
I'm worried my brother hasn't as of yet insured his expensive laptop. What would work out more economical in the long run please: Content insurance but as a student he keeps moving, so all he wants to insure is his Laptop,mobile and passport both when it's in the house but also when traveling in the UK and abroad? (some policies like Barclays Gadget insurance make it almost impossible to make a claim ie: you can only claim if there's been a forced entry or if the Sim card is still in the phone whilst traveling. Well he lives with 8 other students and the landlord doesn't provide home isnurance in the contract, people are comming in and out of the house any one could take it from his room and the landlord won't allow him to put a lock on the door. If he's traveling abroad he will use a different SIM so... If he buys yearly travel insurance most only cover a single item up to 400, his laptop is an Applemac. Which would cover an expensive item without charging a monthyly fee above 10 per month? Stupid question but is it possible to jsut get content insurance for one room instead of Home insurance? Gadget Insurances seem pretty expensive and a lot of them don't cover the full spectrum of problems, stolen laptop whilst unattended in a hotel, lost, accidental damage even if the item is over a year, Thoughtbubble never even replied to his email enquiry. Bank insurance, they are limited and have similar policies such as above. Natwest have the advantage Gold and home contents insurance but it works out at 12 per month and his iphone won't be covered as phones have to be under 100. I don't have home insurance so he can't use ours. Please what else could he consider and no he's not giving back the gadgets and he is very careful but anything can happen. Would help to get some proper advice as even his bank Halifax didn't cheers""
Babies insurance please answer?
I have medicare (pregnancy) and I was wondering how does it cover the baby when he is born and what do I do to get his insurance and all that? Thank you.
Geico home owner's insurance?
Anyone out there have Geico for home owner's insurance? Are they good? Ever had a claim and how did they handle it? I refuse to use Statefarm after how they handled Katrina, or ...show more""
19 year old female just passed driving test. need cheap insurance quotes. is anyone else in the same situation?
i am a 19 year old female and have just passed my driving test. i know the insurance quotes i get are going to be expensive but does anyone know who is best to go with (cheapest) and is anyone else in the same situation? Thanks
My insurance is over 1000?
i'm 16 and my insurance is so much now that i'm getting my full license, and my parents can't help me pay for it.""
Car insurance question?
Ok, So I was driving my moms car, which is insured, and i had a car accident. I am not under my moms policy. The car accident was not my fault. The person that hit my moms car also has insurance. If I report this to her insurance, what are the possibilities of them paying for my moms damages?""
Car insurance questions?
I'm just coming up to the end of my first year of driving. My insurance is due on the 12th of December. I was quoted 1700 by my current insurer, which obviously, I'm not paying. I've now managed to get an insurance quote from Admiral for 680. My questions are; 1. No Claims Bonus - I'm on track to have 1 years no claims but obviously at the moment I wont have? I want to pay for my insurance ASAP so can I just put 1 years no claims on the form and put the start date as the 12th? 2. Do I need to tell my current insurer I wont be renewing with them? Is there some sort of automatic renewal system in place with car insurance companies? My dad threw the renewal letter out so I have no way to check myself short of ringing the company but I wont be able to do that until Monday and I kinda wanted to buy my insurance now.""
What is the best occupation to have to get cheap car insurance?
I'm paying the same amount as my car is worth to insure it. I''m old enough to not be a boy racer in a baceball cap and young enough to not be an old duffer in a flat cap .
Best Affordable Health Insurance in Indiana?
My fiance is currently making about $1200 cooking full-time at a restaurant. Our rent eats up a little more than half of that. He needs to find an affordable insurance plan and he's tried at work but we've heard it's not a very good value for the $200 he'd be paying a month for it. Can anyone suggest some affordable health insurance plans? He's reasonably healthy, does not have any pre-existing conditions, but he does smoke.""
How do insurance companies expect 17 year olds to not front?
Im not being funny, but its quite clear that seventeen boys cannot afford to pay 300-500 per month for a car worth 400, there is no possible way to afford that when you are trying to do a-level and your part time job pays you maybe 80-120 per week, its just unreasonable, whats the point in having a license if they expect you to pay that, so i can see why most teens do front""
Is it cheaper to add a car to my insurance or get a new incurance for the 2nd car?
I have a 1989 trans-am it is modified and i was wondering if it would be cheaper to add it to my insurance company or get a second insurance company just for that car. Andy help???
Why would a good car end up at an insurance auto auction?
Looking to buy a used 2009 vehicle right now with 9,000 miles. Seller states it was purchased at an insurance auction with a clear title. Autocheck confirms this info - single owner, no accidents, no thefts, no repossessions, clear title, etc. What might be the reason this car was at the auction in the first place?""
Insurance and child support?
If my husband provides insurance through his work to his daughter and is also paying child support on her is he going to be responsible for the co-pay everytime she goes to the doctor? His daughter also has a secondary insurance through the state that her mom collects we were just wondering if the secondary insurance would pay or who would be responsible. The mother or him???
Can Geico save you 10% on car insurance?
Bonus question: I have AllState, am I in good hands?""
Anyone know where to get esthetics liability insurance?
I am working as an independent contractor. Any suggestions for insurance companies?
office building insurance quotes
office building insurance quotes
How much would insurance for a land rover be?
I'm 16 a girl and I have straight a's if that matters. I'm thinking about getting a land rover rl2. How much monthly would everything cost(gas insurance and payment) I live in Southern California btw
How insurance coverage work for new a car ?
Hi, I intend to buy a car by the end of this month on the weekend (I work from Monday to Friday and do not want to skip working). I will use my old car for trade-in. And I will switch my current insurance on to the new car. Since it all will be happening on the weekend (my insurance office closed), I will have to switch the insurance on Monday. If something happen to the new car before the insurance switched (sometime before Monday), who will cover the car ? Any advice ? Thank you...""
How much iz insurance for a 19 year old?
car iz mitsubishi lancer evolution 2003
How is mandating health insurance socialism? Why is no one rioting about car insurance?
Healthcare is still run by the private sector. Just more people will be able to get it. How is ensuring everyone has insurance socialized medicine? Healthcare is run by the private sector either way.
Affordable health insurance new jersey family?
anyone know of affordable health insurance in new jersey for self employed 1 person needing family coverage?
Can anyone recommend a website that will give free quotes for multiple car insurance companies?
I'm trying to find a website that will give different quotes for comprehensive car insurance in Australia. Can anyone recommend one?
Teen insurance and info two questions in one?
Hi, i am having a tough time with auto insurance qoutes and prices, so i could use some help. Question 1. ok, i am 15, will be 16 in May, if that helps, i have a 1994 Dodge full size van of my own (title was signed to me) and i am getting ready to tag it. i also live in Kansas. ok, i have $500 dollars saved up and have a job that i work 2 days a week and i make about $200 a week. now, i would like to buy my own insurance if possible. is it possible? Question 2. if i can not buy my insurance, can i put the insurance in my mom's name only, and then title it in mine? but one way or the other I HAVE to title it, the title is written out to me on the back in ink, so...................... thanks to any answers or if you know any good cheap insurance companies thanks""
What is a good insurance company for a young female driver?
I'm 18 and passed my test about 10 months ago... what would be a good insurance company?I've heard that female only companies can offer cheaper quotes. Also if you can suggest any cars that are easy to insure for a first time driver Thanks
Life insurance?
has anyone every heard of national benefit life insurance company of ny ny? i got this letter from them in the mail and im a bit scheptical of it... lemme know so i dont pour all this money into it and end up with nothing kthanks xoxo
""What would my insurance possibly be with a 318 V8, for my first truck? (vehicle)?""
okay, im 15 now, but i found a truck i want desparetly, its an 87 dodge it needs some work but for a first car, any vehicle i want will need some work, i can get the truck fairly cheap an have to put money into it, an rebuild the carborator, etc. but if i get it now, an have it running, for when i get m license, everyone is telling me that having a 318 V8 is going to be expensive insurance, does anyone have any idea how much a price range would be? or a way to figure out a price range to insure this truck? Please an Thankyou.""
I am a newly licensed 6-20 Florida Insurance Adjuster. My goal is to eventually become an independent adjuster?
I'm thinking since I have no experience, I would start out as a staff adjuster but no one will hire me. Any tips on how to break in? All info is greatly appreciated.""
What is the cheapest insurance for a teenager?
I'm currently 18 looking for the cheapest possible insurance on my car
Am I covered under my parents car insurance?
I got my License yesterday and I want to drive my parents car, am I covered by their car insurance? I am 16 Years old.....""
How to lower car insurance costs ?
my 17 year old son wants to buy a 2008 honda civic EX and he agrees to make the payments on the car. One problem is , how do i lower my insurance rates . IF my son is still considered a teenager. Could i put the car under my name so the insurance rates will be low ? please help""
What is a cheap car insurance for students?
What is a cheap car insurance for students?
Will my insurance go up?
Yesterday somebody reversed into my parked car, she was completely at fault, if we decide to go through her insurance will my car insurance also go up? I'm 19 years old and just concerned due to the already ridiculous price of insurance.""
""Young drivers, cheap cars and insurance please!!?""
Hi. Just waiting to pass my test and am looking around for cars and insurance, and have only come across stupidly expensive insurance,if the cars cheap the insurance isn't!!!! HELP. If anyone can help me with either a cheaper car (gotta be british,but any type of british car) But please can u make it low insurance.... any past experience off yours will be super duper..... Thanks for any help!!!""
How much motorcycle insurance cost in Ontario?
per month
Car Insurance / Case is not resolved / New Insurance?
Hi I had car accident about year and a half ago. My case went to court and it is still not resolved.I haven't been driving since that time. I bought a car now and I want to insure it. How does it look with the insurance companies ? there is no option to choose when you do insurance quote online.
I live i Delaware and have had my car impounded due to having no insurance.?
I will be getting insurance this friday. After I do that what do I need to do to get my car back this weekend about how much will it cost? Is this a fee I pay at the troop or do I pay towing and storing charges?
How much will be car insurance be for a 2.2l Renault Laguna?
Basically, I've got my hands on a Renault Laguna 2.2l Diesel. It's a 2002 model. I've also just passed my driving test 2 months ago, and would like to know what to expect with insurance. I'm not keen on selling the car, so I'd like to know which companies are best for young drivers. Oh yeah, and I'm 17 years old.""
Wouldn't the PPAC (Obamacare) bankrupt insurance companies?
PPAC seems very similar in nature to the Community Reinvestment Act that played a role in the 2008 financial crisis. The PPAC requires insurers to offer the same premium (price fixing) to all applicants of the same age and geographical location without regard to most pre-existing conditions (excluding tobacco use). It also states that minimum standards for health insurance policies are to be established and annual and lifetime coverage caps will be banned. As a business owner, I don't see where the government comes to the conclusion that insurance companies could survive the price fixing and taking on such high risk liabilities. It seems like 2008 all over again, does it not? Wouldn't they get involved in something similar to what the banks did with derivatives since they were forced to take on high risk loans? It seems like the big focus on Obamacare is the part where people are forced to buy insurance. I don't think that is a big issue, the big issue is how can the insurance companies handle this? Am I wrong? I am going to do more research tonight.""
What Is GAP Insurance?
Hey there! I was just wondering if anyone knew what GAP insurance (Vehicle Insurance) is? Is it like normal vehicle insurance? Any information would be helpful, thank you. =]""
Credit scores taking a hit from homeowners insurance checks?
Hubby and I called around checking what rates would be for homeowners insurance, but I got a little ahead of myself, seeing that our closing date isn't until August! I called about 4 places, they all ran our credit and said it will be a light hit on the credit scores... Well how much of a hit will our credit scores take?? The bank wants our credit scores updated since them, since we want that late August closing date.. Anyone know how much of a hit it will be?""
Hit and run + Insurance: Help?
Okay..long story short: I told the insurance company I had B average but I have a C average in Aug. 2009.. They called mid Sept but didnt get in touch and neither left a message on my voicemail. Oct. 9 - I was at a parking lot at night and hit a car; no one was there and the damage was minimal (minor bumper scratch) Oct. 14 (today; after thanksgiving long weekend since I live in Canada its earlier) I have a missed call from my insurance; again no message on my voicemail Now, should I be worried because if they were calling about the hit and run...they would have left a message...also its a home phone line..since I live at home any input would be greatly and thankfully appreciated...""
office building insurance quotes
office building insurance quotes
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Plattekill New York Cheap car insurance quotes zip 12568
"Plattekill New York Cheap car insurance quotes zip 12568
Plattekill New York Cheap car insurance quotes zip 12568
BEST ANSWER:  Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr 
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I have a four years old Honda Unicorn. Till now I have insurance for my bike. Now if I do not renew the insurance, what are expected problems ? Legally am I bound to have some insurance ?""
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When you roll over, job wise, when does your health insurance usually start?""
Who knows the best Health Insurance out there for individuals. Plan and pricing must be affordable. Thanks.?
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Allstate Auto insurance?
I tried to pay my mom's car insurance today and it said that the account was terminated. How do i get the policy reinstated?
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Here is what happen. I was invited into this car insurance agency. I was with them for the last 5 years. I had 3 accidents in the last year. 1 first one was at an airport and the guy that hit me claimed full responsability 2nd a guy went through a red light and hit me and was charge with a dwi. The 3rd a chick clipped my car and no claims were paid because it was a he said she said. My car insurance now said that they were dropping me. I was tlaking to an agent and she was telling me it did not matter that 2 were not my fault because i was still in an accident. I was then telling her how I felt robbed and cheated by them. I then heard what sound like chewing in the back round. I said Are you eating She said what? I said are you eating She said um... maybe I said how rude, after 5 years of loyalty and you do this They dropped me. They said no one will want me. how can i get car insurance now?""
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Met life denied me for life insurance. Met Life sends a denial letter to my employer....Can I get fired for that...The life insurance company stated they cannot disclose any info, however, can Human Resources call me in and ask me why? It is a company life insurance...... I would think this is a privacy or Hippa Issue......Need some help..""
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My husband and I are trying to get pregnant. I am on my own private insurance right now and will not get on his insurance until April 2009. If I get pregnant before then will they cover my pregnancy bills etc?
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I'm looking at getting a car and I'd really like a convertible. The thing is that I can't afford the insurance on sports cars. So what kind of convertible that would be around 5000 dollars used (perferably 90's to an early 2000s car) would not be a sports car to the insurance agency. Or is there no way around that? And if it makes a difference I have State Farm.
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How do you value a damaged tree for insurance purposes?
Long story short, a guy ran his car off the road into my front yard and hit a tree. The tree is a complete loss. He has insurance (thank god!). How much should I expect to receive from the insurance company for the value of the tree? The tree is a mature Blue Spruce. It was about 20-25 feet tall, had an 8-10 inch trunk, and a spread at the base of about 15 feet or so. I know that I should at least be entitled to the cost of removing the tree/debris and planting a new tree. But you cant really plant a 25 foot Blue Spruce! So, the problem I am having is determining what value should I be entitled to considering the maturity of the tree? Who can I call to get an appraisal? Other info: I live in a subdivision of custom brick homes on a large lot (about 1 acre) and my home is worth about $275k. The tree sat on the edge of my property in the front yard in a group of two trees (the other one was slightly damaged also, but can probably be salvaged) that provide some shading from the neighbor and the road. Obviously, the amount of shading is now reduced and the aesthetics of the group of two trees is messed up to the point that I am considering just removing both trees.""
What is the best insurance website?
i need to know so i can go to it and get insurance
""Life Insurance -- Is a 78 year old woman too old to get life insurance? If not, who are the better providers?""
I've made preliminary inquiries to get life insurance for a 78 year-old female, however, I get the standard response of no because of her age and the fact that she has been hospitalized in the last year and has pre-existing conditions (COPD, high blood pressure, arhythmia). My sense, however, is that there may be life insurance companies out there with more accomodating terms for senior citizens. If you know of any such companies, or are experienced enough in life insurance to give a definitive no- it's not possible response, please let me know. What are our alternatives, if any?""
How much is car insurance for teenagers or New drivers ?
Hello, My father is planning on buying me a a car when I get job to pay for my own insurance. I was wondering how much car insurance would be for me. I am 16. How much would it be if I'm also on my parents plan ? You don't have to give the exact price, just a price range. . . And the car would be a regular nissan or economy car.""
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Plattekill New York Cheap car insurance quotes zip 12568
Plattekill New York Cheap car insurance quotes zip 12568
Can anybody give a good estimate on how much my insurance would be for me driving a 2002 ford mustang?
Im 16 years old and i'm a girl if that matters. My mom will not let me get one but I really want that to be my first car. Also can you give me some ideas to convince her to let me get it. I really need the actual price of how much the insurance would be.
Do you have health insurance?
if so, how much is it per month? how old are you? what kind of deductable do you have? feel free to answer also if you do not have insurance?""
Car insurance help please ?
I'm 18 and I am soon to be having a car, (hopefully) now everybody in the UK knows hows stupid car insurance is for new/young drivers. my dad says he will not put me on his insurance as IF i had a crash and needed to claim it would knock off his no claims, that is perfectly understanding but wile looking on Moneysupermarket i noticed the (protect no claims) if i was a named driver on my dads insurance would i get that cheaper, i know later in life i'm gonna have to start my own but thats for when im on more money at work etc, so what i am asking would this work out? and everybody becomes a winner? thank you for any help (im only looking for a Ford Fiesta mk2/3 1.0/1.1)""
Can Switching To Geico Really Save You 15% Or More On Car Insurance? Is it the cheapest?
Can Switching To Geico Really Save You 15% Or More On Car Insurance? Is it the cheapest?
Where Can I Find Really Cheap Car Insurance?
I Am A Newly Qualified 20 Year Old Male Driver!!
What car insurance quote should I accept ?
I have a competitive quote from AVIVA, ADMIRAL and ELEPHANT.co.uk Which company would you use and why?""
Can I drive this car without insurance?
So i just bought a new 350z model 06 from someone and i was wondering if i can drive it for couple of days. I live in California, near oakland and san jose. I heard people telling me that when u buy a new/used car u can drive it for 15-30 days without insurance. If someone knows a link to some stuff about this please tell me :D Thanks.""
Do health insurance companies report paid claims ?
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What kind of insurance to get?
I come from a low income family and my health insurance is called Healthy Families. Its really basic and only covers check ups, physicals, and other things in community health clinics. I have several moles I that I would like to get checked out at a dermatologist and some help with my acne as well but I hear that dermatologist visits can get expensive. What kind of insurance can I get that won't break the bank?""
How much would my car insurance go up from a minor accident?
There is a dent about the size of a soccer ball on the back corner of the car....
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What is the cost of insurance for a bugatti?
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Car insurance question for young drivers?
Im gonna be 17, insurance for me is gonna be 6,500, my mum doesn't drive so i cant go on hers. Would this work; could i get my mum a provisional licence, get her insured for my car, then could i drive it, its like 5000 cheaper for her to do it, would that be legal, if you know what i mean.""
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What is the best car insurance for teenagers who got their first car?
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Do you have to report a DUI to the car insurance company?
My friend got a DUI not too long ago. This is the state of Florida, and she has Allstate. I understand that her getting a DUI is now public records because she spent the night in jail. Because the fact that it's public records now, is she required to inform her Allstate insurance company about her DUI? Also, what will happen either way whether she reports it to insurance company or not? Will they remove her from her insurance or jack up the rates? It is her FIRST DUI and other than that she has a good driving record. Thanks.""
Insurance Coverage Driving Another Persons Car?
Suppose you had to drive another persons car because they were incapacitated, etc. If you got into an accident with them in the car - but you driving, would the car still be covered under insurance?""
What is the best health insurance's for myself?
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What is a good first car for teen drivers that has low insurance rates?
I am a male teen so my insurance will be high no matter what I just need something lower....
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My parents have two cars, and are paying insurance currently for said cars. If I get my drivers' license is there going to be money needed for having a drivers' license? Or is insurance only paid just for cars?""
I am 23 years old. Questions about affordable health insurance in the state of NJ.?
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Plattekill New York Cheap car insurance quotes zip 12568
Plattekill New York Cheap car insurance quotes zip 12568
How much would car insurance be for a vauxhall Astra VXR?
How much would a vauxhall astra VXR car insurance be for a 17 year old In the uk
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What is the cheapest motorcycle insurance?
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How much should I expect to pay for motorcycle insurance on a cheap bike in MA? (I'm in cambridge.) I know it depends on a variety of factors, and I could call an agent and get a quote, but I'm just looking for a rough estimate.""
How can I find out previous years car insurance providers?
How can I find out who has provided my car insurance for the previous 5 years. I tend to change them regularly, is there anywhere which keeps a record?""
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I am a college student without any kind of health/dental insurance. I really need to have several root canals done. Is there anyway I can get affordable dental care without insurance?
How much does the average American pay for Healthcare?
Spending on health care to reach $5,170 per Canadian in 2008 http://secure.cihi.ca/cihiweb/dispPage.jsp?cw_page=media_13nov2008_e I'm looking for this in American.""
How much on average would liability insurance cost after 2 dwi's (5 years ago)?
It's been over 5 years (and sober!). I'm on a tight budget though and need a car for work now. I already figured what the interlock will cost me, but I have no idea on insurance. I don't know if it will be $100-$300 a month. After the first DWI (bad college years), it was about $125 a month I think. So I'm really hoping it stays under $250 at least a month just for liability. Anyone have any ideas? Thanks :)""
Car insurance???????
I'm a first time buyer (23 y/o) but I've been looking at small compact SUVs more so than 4door sedans just because I love them, but What would be a little cheaper for insurance purposes, a sedan or SUV ? I've checked with some insurance companies and they all say different things. Anyone know what would be the better option? Thank you! And I'm looking to get between an 04-2008 vehicle.""
Car insurance when buying a new car?
I may be buying a new car this weekend but the renewal on my current car insurance isn't due until December - what is the usual procedure for this? Do I just call them and advise of the change of car and pay the difference? Also will my new renewal date then be in October every year? Or will I still then have to renew in December?
How much would be the insurance in these cars?
im almost getting my license and i havnt really mentioned any of the cars I want for my first... IM sharing the car with my brother and he has a 3.1 and i have a 3.6... i dont know if you neeed to know that but whatever. My parents are going to say to the insurance people that this is their car that we get to drive every one in awhile so the insurance is cheaper.... but these are the cars a want to know.... 1998-2002 pontiac firebird v6 1998-2002 pontiac firebird v8 1998-2002 chevy camaro v6 1998-2002 chevy camaro v8 1995-ish lexus sc300 v6 1995-ish lexus sc400 v8 2004 chevy avalanche the only reason i want to know what the insurance on these cars are because they are more on the sporty side and i dont want to look at these cars if they are reduculously expencive
Sprint insurance question.?
Can you only start insurance on your phone when you get it, or can you put insurance on it whenever you want? My phone is acting up and i've been on the contract for a few months now. Can I put insurance on the phone and then have the phone replaced with a new one?""
Car insurance rough estimate?
55 years old, recent drink driving conviction, Mazda sports car worth < 2K.""
HELP! Car & Insurance for 17 year old.?
Hi, I'm 17 in a week & will be starting my driving lessons. I have my theory booked for a few days after & aim to pass in around 6 weeks, depending on the waiting list for the test, having 3-4 lessons a week. Driving a car isn't a problem for me, have had plenty of practise on tracks in my dads weapon ;) & have for the last 8 weeks or so been going to an empty industrial estate one or twice a week, driving my mums cooper S or occasionally my uncles M3. Just need practice with the ways of public roads from my instructor. Anyway, as you can probably tell I've had a fair bit of experience driving fairly fast cars, so thats where i need advice - can anybody suggest any fairly fast cars that are reasonable to insure? or any cheap insurance company's, or any ways to get insurance down, as long as they aren't completely ridiculous lies, I want to keep it as legit as possibly ideally. So far I've been quoted 1600-ish on a standard golf on my mums insurance, but ideally want something a bit quicker then that. My budget for a car + insurance overall is 4-5k. My ideal car would be a GTI, anybody know where i can insure one cheap-ish? ALSO, *PLEEEEASE* no do-gooder's telling me it is 'fronting' to go on my mums insurance, I am well aware of this, however I am also aware that if the car is registered in my mums name with the DVLA, then they don't have a leg to stand on. I have checked this with one of my mums friends, a solicitor. Also, nobody telling me that I 'wouldn't be able to handle the power' or that I'd 'kill myself', believe me, I'd smoke you ;). Sorry its a bit long, please help! :-)""
Insurance Rates?
What's the best I can expect to pay for insurance monthly if I have a reckless driving ticket (-2 points) for speeding in California and am 20 years old? I have no accidents or other tickets. Any other 20 year olds out there in a similar situation what is your insurance premium?
What kind of insurance do I get and how do I go about getting it?
I'm a 19 year old female, working full time (and no my work doesn't offer health insurance). I'm still part of my mom's MediCal but I want to have better health care. And I just feel kinda clueless about the whole situation. If anyone can help that would be appreciated. Thanks.""
""If I report an auto insurance claim under my comprehensive, does it count against me?
Not sure whether to report an damage to my vehicle. I estimate the cost to be about $ 500.00 +. My deductable is $ 500.00. Any info will help :)
""In the uk, i am 18, new driver, and want cheap car insurance. The cheapest i have found is 2500. any ideas?""
In the uk, i am 18, new driver, and want cheap car insurance. The cheapest i have found is 2500. any ideas?""
Car insurance help please!?
What would the difference be in car insurance for a new Ford ka, Toyota Agyo and a Toyota Yaris. All of these costing about 8,000/9,000, with two drivers who have about 40 years of driving and one person who is learning to drive but it will be used mainly by them once they have passed their test. Car being kept on a street and being used for personal use not business. Also any opinions on the above cars, and figures if you can on what the cost of insurance would be will help a lot so thanks in advance! Many websites havent had the new ka listed on them so i cant compare.""
How much is my car payment and insurance?
Hey, everyone else is asking the same 2 stupid questions, now it's my turn!""
Car insurance canceled my policy. i got in an accident and then paid the money. they accepted the money and?
then refused to cover the accident. i was told since they accepted the money and didn't make me open a new policy with a new down payment. and didn't give me my money back ...show more
Adrian flux car insurance?
is this a good car insurance company, has anybody got any good/bad coments or opinions about this company, i am a new driver and this will be my first insurance so i would like the advice. thankz in advance!""
Diminished Value - Dealing with Car Insurance?
I was in an accident where someone side swiped me ($5.5k worth of damage). Their insurance company paid and I just got my car back (2007 Lexus IS 250 - 29k miles). I had just purchased the car 4 weeks prior to the accident from CarMax for $27k. Out of curiosity I went back to see what CarMax would give me and they offered $18k. The car is now only 7 weeks old in my name and 3 weeks of it was in the repair shop! Does anyone have experience with dealing with car insurance companies and diminished value? I live in NC and know that it is one of the states that has diminished value. I want to recoup as much of the difference as possible and since the car is so new (to me), I am willing to get rid of it to show the loss so I don't deal with this years from now. Any advice is appreciated.""
Got into an auto accident - how much can an insurance premium actually go up?
Hi, I got into an accident - was backing out of a parking space and hit a maintenance man on a golf cart. The apartment complex has filed a claim for the golf cart (it looked old) and the guy had a slight bump on his head (emt checked him out, everything looked fine but he went to the doctor) and he's filing a personal injury claim. My agent said no lawyer's are involved yet and it doesn't look like he's suing. There's also been damage to my car bumper but it's still drivable; hopefully I can pay out of pocket. I have no numbers yet, but I'm just curious - with accidents that you're liable for - how much could it actually go up a year? A hundred? A couple hundred? A thousand?! Thanks!""
New driver - cheapest insurance?
Like thousands of other parents I'm looking for a cheap first car for my 17 year old daughter for when she passes her driving test. We're not in a position to buy her a brand new car, and she's happy to have an older one anyway (she has roughly 2k to spend), but the concern is the insurance! There are plenty of websites with new car insurance groupings, but can anyone please advise me of older small cars which are in the lowest insurance groups.""
Car insurance denied claim because they cannot contact its insured.?
Hi. On April first, my neighbor hit my dad's car in our neighborhood. Our garages are facing each other, and my dad was going backwards to get out of our garage. He was already in the street and he was ready to go in his way. Suddenly, our neighbor back out from her garage very fast and hit the driver door of my car. She didn't stay in that position, she moved and my dad did the same. The white bumper of her van had no visible damages, but my door needs to be replaced. Also, there is white paint in car in the place she hit it. We asked for her insurance, but she didn't have it in that moment. We wrote the plate number and took some quick pictures. I called my insurance to report the accident. In the night, when she returned home, we asked for her insurance, but she refused. We called the police and she agreed to give us her insurance information. In fact, she wrote the information herself. I called her insurance(Geico) the next day, and she had already made a claim, and she only said she didn't hit my car; she didn't give more details. My dad gave his version of the accident with a lot of details, but she didn't do it. Her Insurance tried to contact her, but there is no answer from her. I see her everyday, so I am sure is not responding on purpose. Now, her insurance called me and told me that because she is not responding, there is no way to confirm she was involved in the accident. therefore, they denied liability. I was shocked because they took that decision only because they cannot contact her. They didn't came to take pictures of the place or the cars. So, I tell them I was going to send the pictures I took. I did send the pictures but now, the adjuster is not in his office, and he will be back next week on Thursday. Right now, I don't know what to do, I could pay for the reparation of my car, but I don't believe that's fair. Please, if someone can guide me with this case. What can I do?""
Plattekill New York Cheap car insurance quotes zip 12568
Plattekill New York Cheap car insurance quotes zip 12568
Insurance on a used 2006 EVO 4 DOOR?
This is just a maybe. I'm 18 and was thinking of going for a 2006 mitsubishi lancer evolution. I just got my license not to long ago But I'd probably be using the car to go school and to go to work. I might use my parents cars every now and then since they're better on gas. I might finance the car. I KNOW IVE TRIED estimates but CAN I get an average? And would it be cheaper if my dad was under the insurance policy and I was added as a secondary driver? THANKS IN ADVANCE
Who are the best and worst car insurance companies?
I'm looking for a new car insurance company and would like to hear other peoples experiences to help me choose. Thanks!
If an insurance company estimated the damage on my car at $800 and I later find out it is way more can I go ba?
My car got hit, their insurance company sent me to a mechanic shop to get an estimate, they said $823 and the insurance sent me the check. I just took the car to the dealership and they said the damage was $3100, can I go back to the insurance and ask for the difference?""
Motorcycle insurance estimate after DWI?
I'm 21 and had a pretty clean driving record untill 2 years ago when I was charged with a DWI and was convicted of it 1 year ago and lost my licence for a year. I'll be able to get my licence back in 2 weeks. I just purchased a Harley that I want to insure with liability I'm wondering what other people in the same situation are paying for insurance? I'm hoping to keep it under $80 a month for liability on a motorcycle. I was paying $55 a month for 2 older vehicles with liability before the accident and motorcycle insurance is typically cheaper. Any suggestions on good high risk policies that insure motorcycles?
Is there one day motorcycle insurance?
I'm planning on buying a motorcycle in Philadelphia tomorrow or this weekend, but I still haven't seen it yet. If I test ride it, like it, and decide to buy it, I'm gonna have to ride it home. I figured out the registration part of it, where I can acquire temporary tags for the ride home, but for insurance, I don't want to insure something I haven't seen yet. Is there any way or company that does like one day insurance just for the ride home, then I can and will officially register and insure it. Thank you""
Car insurance for a day/week for a learner
Hey, basically i am going to take my practical test in a couple of weeks (14th) and im taking it in my car, i was just wondering if there is any companys that specialise in car insurance for just a day or a week for learner drivers. if so what companys and how much am i looking to have to pay, thanks""
Where is a company that offeres life insurance to felons?
My husband commited a felony nine years ago when he was nineteen years old and has not been in trouble since. He is now a foreman, owns his own home and is just a regualr citizen, but he has been denied life insurance through 3 companies. Any suggestions?""
Question about gap insurance?
I just wanted to know about how much the dealer charges for gap or at least an average. I refinanced my vehicle and am awarded a refund of my gap because the new financing is offered with it. So I don't know if anyone has gone through this, but if you have any answers please let me know. Thanks in advance.""
Where can i get the cheapest car insurance with a dui in northern michigan?
Where can i get the cheapest car insurance with a dui in northern michigan?
""On average, how much do employers pay for health insurance in the USA?""
So I need a statisitic, on average, how much employers provide healthcare insurance to employees? I've got that from Jan 1st 2014 the Patient Protection and Affordable Care Act will impose a $2000 fine on employers with over 50 employees who do not offer health insurance. But statistics for how much employers actually provide health insurance are all over the place... Typically, employers pay about 85% of the insurance premium for their employees In 2008, over 95% of employers with at least 50 employees offered health insurance. the percentage of large firms offering these benefits fell from 66% in 1988 to 34% in 2002 These quotes are from wikipedia, but I've been looking at other sites too. I just don't know what to believe, or how to understand what they actually mean. What percentage of employers actually provide adequate health insurance to it's full time employees?""
Any ideas on how to get cheaper car insurance?
Any ideas on how to get cheaper car insurance?
What is good car for cheap insurance?
okay im 16 and now have enough money for a car. I want a GM or Ford car what would be a good car from the 90s that would be the cheapest on insurance.
Can my parents add me to their car insurance for a shot period of time?
I'm planning to go on a road trip and I was wondering if it's possible for my parents to add me to their insurance so I can use their car for a week, and whether it will be cheaper that way than to rent a car (I'm 24). They have American Family Insurance.""
Can someone tell me how much will cost insurance for my friends car just for driving test day?
Can someone tell me how much will cost insurance for my friends car just for driving test day?
Teenage car insurance?
Well im 15, gonna be 16 in 2 weeks and Im about to get a car. How much will the insurance be? I live in Arizona, have straight A's and am a girl and the insurance im gonna have has benefits if you have good grades and its cheaper if you're a girl too. So I would like an idea of how much it would cost monthly? The car would be a 1990 toyota camry 4-cylinder""
Should I buy life insurance?
I am a 34 year old male, about to get married and will probably start a family. Some people have suggested that I need to buy life insurance and critical illness and disability insurance to protect my future family. I already have group coverage from my employer that includes some coverage for all of the above, though I work in an industry that is quite volatile and I could be jobless in a downturn. When I look at some of the policies out there and the monthly premiums involved, it seems like I need to dole out a chunk of money for a benefit that will probably never be realized, and the amounts are not even that sizable to make a HUGE difference to the financial security of my future dependents. I currently have around $300k in investments and no debt, and OK coverage from a group policy. Do I really need to buy life insurance? Ideally I need a product where the higher premiums and coverage only kicks in if I am unemployed.""
Car insurance confusion: Honda Jazz & Ford Fiesta... help please?
Hi there guys, I am sorry if this is a boring run of the mill question with an obvious answer, but I am seriously confused! I have two prospect cars to chose between, one is a Honda Jazz, and one is a Ford Fiesta, now to my knowledge the Jazz's insurance group should be around 11-14, (new 1-50 ranking) and the Fiesta should be around 8. A number of sites have confirmed this to be true. But trying to get actual insurance quotes, the Jazz is coming out cheaper, by at least 300. (This is with my details and the rest of the policy identical) I thought insurance group was the only factor of the car that changed the insurance, or is there another factor? I am a newly passed driver if that changes anything?""
Best Insurance out there...?
Okay so I am a subcontractor for a company who does not offer insurance. (The main company this is) We are a 3rd party vendor, so we are subcontractors of another company if that makes sense...There are about 7 of us that are interested in purchasing insurance. Who would be a good company to go through? Blue Cross Blue Shield, Colonial etc? I know this type of insurance can be expensive to purchase as an individual but since there are several of us interested, would it be possible to purchase this insurance through our small company so that it may be cheaper for each of us? Anyone with helpful info or first hand experience would be greatly appreciated. Thanks!""
""I'm under GEICO in NJ. If every member of the family is insured, how much cheaper w/ safe driving course?
Three members in the family. How much cheaper will insurance get if we all take the Safe-Driving Course?
Urgent legal advice for car insurance compensation?
Hi! All I had small car accident with a taxi on the Sydney Harbour Bridge 4 month ago. I admited the fault and made a claim to my car insurance company. but they have delayed compensation to the taxi company over 5month. but I didn`t know how it was going on their dealing.. Finally, I have got a letter which is about under managemnt by our local court about our attachment of property and fine. Because the taxi company want get competsation from me. I already pay the payment for that claim and my insurance company agreed to pay the compensaton for. what should I do for my situation. please give me legal advice. Thank you.""
Estimated car insurance cost for an 18 year old beginner driver?
I waited until I turned 18 until I went to get my drivers permit. I've had my permit since November 18 2009. I plan to stay on the permit until its expiration date. I'm not sure what car I plan to purchase after that, something affordable (nothing over the top) and that will last quite awhile. Now assuming all that, can any of you share with me what your car insurance payment is monthly, just an estimate of course. And throw in what type of car you have in so I can get a better idea. I'll be 19 at the time I finally get my license. My parents will not be adding me to their insurance, I have to pay for this on my own and I'd like to start putting some money away towards it so that I can make the payments with no problem later on. Are their any other things I can do to lower the cost of my car insurance as well?""
Is insurance expensive in San Diego?
Looking to move to Cailforna .How's the insurance out there?
What is the cheapest insurance for a new driver with sports car (97 camero)?
About how much can I expect to pay???
What's the cheapest auto insurance company in New Jersey?
I live in Newark and my insurance keeps going up. I have a 2002 ford focus with geico and although I got a speeding ticket and a seat belt ticket, it has gone up a little to much. PLEASE HELP!!!""
Is there any affordable Car Insurance for 16 year olds?
PLEASE READ: The problem is this. I'm 16 years old, and I really would like to own a car. But the problem is this. When your 16 and you first get insurance, it is super expensive. I have a brother the same age who would also like a car. But I have a single mother. If we have 3 cars and 3 people on one policy, that means it will cost over 10,000 dollars. I know I have to take a defensive drivers course to get 10% off, and I should get honor roll (But that'ss too hard). I've suggested that we get minimal coverage, but my moms the kind of person who thinks she has to pay a lot of money to be covered. Because she won't take minimal coverage, Now I can't have a car. What is the name of a car insurance company that is very affordable but does not make you go on minimal coverage to afford it? If you want, you can tell me what it cost you so I get a best estimate. Thanks.""
Plattekill New York Cheap car insurance quotes zip 12568
Plattekill New York Cheap car insurance quotes zip 12568
https://www.linkedin.com/pulse/i-am-wondering-anyone-knows-what-insurance-would-cost-scott-nelson/"
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Stout Iowa Cheap car insurance quotes zip 50673
"Stout Iowa Cheap car insurance quotes zip 50673
Stout Iowa Cheap car insurance quotes zip 50673
BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr 
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I live near Jacksonville in Florida where State Farm does not provide renter's insurance. 1. What companies are good for renter's insurance in Florida? I will need coverage for Hurricanes also since I am in Florida. Geico gave me a rate of 131/year or about 11$ per month with a deductible of 100$. 2. Should I take an inventory of all my personal valuable items(bed, computer, chair/table), send copy of receipts/photos to the insurance company for their records as evidence that I have N items whose total value is M$ before I buy renters insurance from them or I should take an inventory and keep it in a safe place for my records in case i have to submit any claims later on? 3. By replacement cost coverage used in insurance policy ,does it mean if a laptop purchased worth 900 before five years had a config of 1.7GHz, 4GB RAM, 500GB disk and a claim is filed now(five years after its purchase) with a purchase receipt of a laptop for the same/similar config(but, whose cost would be 650 as tech products come down in price typically after five years and more so for an outdated config/model), that will be honored? Or, I could get any laptop worth 900(cost of original laptop) today and claim reimbursement for it from the insurance company? I am guessing it is the first scenario, but can someone please clarify? 4. Since my total assets are less than 5K and I don't have a car, is choosing a low deductible of 100$ a good idea? Or, I should hike to bring my premium down? 5. For items, like clothes, utensils I don't have any receipt since they are old(more than three years). Will that be OK in case I have to file a claim? The clothes are mainly 15-20$ pant/shirts I got from Walmart. Thanks""
How does health insurance work?
Forgive me for being financially illiterate, but I've never had anyone to teach me these things even in school. I don't really understand how health insurance works, like, at all. I am sick, and I rely on family health insurance to pay for my treatment, which my dad pays for. But eventually I will have to pay for my own health insurance. What I've gathered from what I've read about it is that you are usually not eligible for many types of health-insurance if you have a pre-existing condition. What does this mean, though? Does that mean that because of my illness, I will not be eligible to get insurance? How do other sick people get insurance? Forgive my stupidity, no one has ever tried to teach me these things.""
Is this covered under home owner's insurance?
We have been doing A LOT of work on our house (getting it ready to sell), and we've paid for basically everything (even things that would've clearly been covered by insurance). However, this problem is one I'd rather not pay for if it can be avoided. There was apparently a leak under our shower and it caused some fairly serious rot under the floor. We were unaware of the leak. The carpenter who came says that there will be some fairly extensive work necessary on the shower itself, not just the rotted wood (which will be easy and fairly inexpensive to replace). Will my home owner's insurance policy cover that?""
""On average, how much does car insurance cost for a 17 year old male?""
Dear reader I am a 17 year old male. I am searching for car insurance once I get my driver's license I will be required to pay for my own car insurance. I want to get an average cost (monthly) for someone my age- regardless of the company I am not sure what factors play into a policy's amount- however, if it does matter, I am a straight A student with a 4.2 GPA (scale of 4.0)- I have never been convicted, nor prosecuted for a felony or anything of that sort. To sum up, I am quite responsible for a male my age. Please do not be rude in your responses I appreciate your help PS. the car that I would be driving is a Toyota Camry 2005 (all paid for). I also live in the state of MD""
If i get a cheap car will my insurance be cheaper or more expensive?
i have a car that i can have given to me it is about 5 years old but cant aford the first years car insurance out right if i sell it and gt a cheaper car will the insurance be cheaper or more expensive because it is an older car? i say this because if so i can sell the car i have and use the money left over to pay for the first ears car insurance. p.s i am a teenage driver which is why im trying to save as much money as i can!
I'm about to turn 16 and I'm wording how much will my car insurance be on a Mercedes and escalade both 2002
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Who has competative car-home combo insurance rates in Texas?
Who has competative car-home combo insurance rates in Texas?
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I live in Texas. I want to buy a used car from a private party (i.e. another person). Ill obviously want to test drive it before I buy it, but I dont have insurance. If the other person has insurance, is it legal for them to let me test drive it?""
Reduce motorcycle insurance?
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My car insurance company have doubled my quote after claiming they made a mistake. Can they do this?
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Can someone suggest(help) me in advice which Life Insurance policy is best and with Tax benefits, Im planning to get a policy in future""
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I reasonly got layied off need my wife is haven a baby need to know about insurance?
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I know nothing about insurance, share your experience with your search for health insurance. In your opinion, what's the best one ? Thanks in advance, Daniel :)""
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Where is the best place to get cheap car insurance for young drivers?
Stout Iowa Cheap car insurance quotes zip 50673
Stout Iowa Cheap car insurance quotes zip 50673
An average how much is car insurence for teenagers?
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What is the best place to find cheap autoinsurance for teens?
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Does anyone know the best deals around for third party fire and theft? The quotes I have been given are ridiculous compared to last year, I'm sick of shopping around having to keep repeating the details then to find that the quote is as bad as the first! Thanks Guys if you can recommend....""
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United Health One health insurance plans for individuals and families. http://unblockyoutube.cn/health-insurance.html
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Would you not get insurance for flea market?
Yesterday I asked about getting insurance and got great answers, but the county told me that I only needed the liability insurance with their name on it. My insurance company said in order to get that, I needed to also have each vendor show proof of insurance. The county said I didn't need that and someone else we know said we didn't need to have that either. I've got a call into my insurance company to ask them if that's something they will make me have in order to get the liability, but do you think we can just add them as an additionally insurance off our house liability insurance for this? I'm guessing that will cover me if someone gets hurt on the property, but I'd be taking a risk if someone gets hurt from a product being sold. Do I have this right? Do you think my insurance company will allow this?""
I hit a fence with my car will my insurance rates go up if I make a calim?
The other day I was driving my 2000 honda accord and out of no place came a deer that ran out in the street from the woods.I turned my wheel hard to the right not to hit the deer and I hit a woodin fence at an abandoned house.My car is dented up pretty bad .I have full coverage I know the car is 12 years old but it was in excelllent shape before this.if I file a claim will my insurince rates go up?
Best insurance company to work for?
I live in Southern California, I have been looking for work since I moved here from France. I posted a general sales resume on careerbuilder.com and have since been spammed by insurance agencies. Some have been good companies like State Farm and Farmers. Some have been less, like Colonial Life and Axa advisers. I believe Axa wanted me for a commissioned investment broker position. I didn't pass the personality test for State Farm, but I can try again in a year. I will have a strategy and research next time. State Farm has 9 month paid training, a huge signing bonus at the end and would be an excellent opportunity but it isn't for right now. What I did learn through all of this, especially from Colonial Life is that the insurance licenses aren't that hard or expensive to get. I'm thinking of getting life, health and auto. Does any one know of companies that have non-independent, salaried agents? I would like a commission, but not the 100% commission based model of Colonial or Axa. I also don't want to cold-call or drop off 180 envelops a week like Colonial demands. I don't want to be independent for the moment, although that is possible in the future with a good company like Farmers or State Farm. Right now I could work as a salaried sales person through an independent agent or direct hire. What is the best way to get on-board?""
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Hey everyone. I passed my motorcycle skill test six weeks ago, but haven't received my motorcycle license yet. And I want to buy a motorcycle and ride legally commuting everyday. I wonder if it is OK to purchase, insure and register a motorcycle? Thanks.""
How much should i expect for insurance cost on a used 2005 nissan altima?
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Stout Iowa Cheap car insurance quotes zip 50673
Stout Iowa Cheap car insurance quotes zip 50673
How will USAA Insurance decide how much my car is worth in an accident?
I'm not a member and was not at fault - the liable party was a USAA client. I had a 1996 VW Passat and am waiting to hear if they are going to total it. If they do, how do they determine worth? How soon will I get the money?""
Car insurance very expensive?
Hi I live in Miami fl and I am currently insured with Estrella insurance part of uaic. My car insurance costs 264 a month. They told me that after 6 months it would go down but I don't think it will go down much. I have a 1994 accord lx 4 door. I don't see why it costs so much for insurance. I just started driving in December but the car is listed under my mothers name with me as a driver and her as the primary. She has been driving about 15 years and has a good record. We have full coverage because the last checked for us and this actually costs less then the lesser coverage for some reason. I was thinking about changing insurance because I think it is overpriced. Can anyone offer any advice? Such as maybe Whether this is actually a normal rate to pay? Or what other insurance I should try out
""Looking for good Health Care Insurance, that covers pre-exisitng illness?""
Looking for good Health Care Insurance, that covers pre-exisitng illness?""
Need help with car insurance questions.?
I'm getting my license in a few months and I am looking into car insurance and so forth. I live in Gulf Breeze,Florida. Taking the drivers ed. class. Make A's in school. What would be the best car insurance company to go with? The cheapest car to insure? Anything really that you know and could give me information on would be greatly appreciated. Thanks""
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I am 21 and just started boxing again.. I know the basics and i can take a punch... but i am a little nervous about getting my nose or jaw broken.. even with headgear on... what is ...show more
If my someone else drove my car & got into an accident would they be responsibe for the damages or would I?
If my someone else drove my car & got into an accident would they be responsibe for the damages or would I?
With a driving permit in California ? Insurance ?
Can I drive my dad's car but with somebody else teaching me to drive. Do I need to be in the insurance policy ? How does that work?
""People that live in miami only, car insurance problem :(?""
me and my boyfriend r trying to move out, its really necesary because my parents r moving far and if i go with them i cant see him again, anyways we have enough money, we both have ...show more""
Average PLPD insurance for car?
Im wanting to buy a 1989 Toyota Supra and im wondering how much PLPD would be on it.
""If i trade in my car, which doesn't have gap insurance, and get a new car with gap insurance will the total lo?""
I owe $13k on my current vehicle and am looking for an upgrade. we've had horrible weather the past few months and am afraid of wrecking the (potential) new vehicle and still being stuck with a bill. would gap cover the entire cost of the loan, i.e $38k= 13k owed on my car plus the 25k for the new car.""
""Car insurance, advice and help!?""
Im 16. Ive done a bit of research and it looks expensive, so im going to try to be put on my parents plan. I know it depends on their plan and everything, but im just looking for an approximation per month or per 6 months or per year. They have pretty good coverage if that helps, and my dads on geico and my moms on progressive i beleive. i live in miami if thats useful, and i will only use one car if that would make the insurance cheaper (its in their name). Any bit of advice to make it cheaper or any tips would be extremely appreciated. If i could get somewhere around 500 per 6 months that would be ideal. Thanks u guys""
About how much is insurance on an 18 wheeler truck ( the tractor) and about how much is a trailor 48' long
getting n2 the trucking world. expect to complete truck driving school oct 11, 2006. looking 2 start buisness or start working soon after.""
Your personal experiences with Progressive Auto insurance?
I just got a lease on a 2010 Honda Civic. Its the first car ever in my name and was a bit pricey for me b/c I don't have an extensive credit history. Progressive was the cheapest auto insurance I could find so I decided to try it. Any pros/cons you've experienced?
How much would a BMW increase your insurance every month if you have Nationwide?
Like compared to having a non-luxury import car?
""Adverse price of insurance for 50cc moped, I'm 16?""
I'm 16 years old and going to take my cbt for a 50cc moped, what would be a rough estimate of the price of insurance yearly or monthly I would have to pay for it?""
""What is the best rate (cheapest) for basic liability car insurance in ontario , primmum insurance told me?""
thier rates is 135.00 / month and i have perfect driving record ,can any one help me plz""
""Car insurance. I've had two quotes for my new car, one from our existing?""
insurers who we've been with for a loooong time (we have a 9-year NCB for starters), which has come in arond 350. and one from the insurance company attached to the make of my new car which came in almost the same price. On the other hand, I took online quotes which came in from 175.lowest, to 313.highest. I queried this with the second company I've just spoken to to get the free 7-day cover in place, and they told me online companies are cheaper because it's online and you don't speak to 'a person'. Obviously this is a big difference (we are currently paying just over 200 for our car) and I'm now confused about what to do. And frankly who is telling me the truth.""
Cheapest Car insurance in New Jersey?
Looking for cheap car insurance companies in New Jersey.
How much do you pay for health insurance?
How are you covered? Through your employer, self-employed, Medicare or Medicaid?""
How do you adjust a W2 form for group term life insurance?
I'm working on a project for a payroll class. Our company provides group term life insurance to the employees. The group insurance is carried at 1.5x the annual earnings of the employee. The employee pays $.30 for every $1,000 in group life insurance each month to pay the premium. The remaining premium is paid by the employer and debited from an insurance expense account. The whole project, we haven't made any employer premium expense entries. We've only focused on the employee's entries and the credits into the group insurance premiums collected liability account for said deductions. Now, at the end of the year, preparing the W2 forms, I'm at a loss for how to treat this. Is the amount over $50,000 added to the wages, tips and compensation for the income tax paid on it? I've read through the W2 instructions but I just don't understand it that well if someone could explain it.""
Who is the cheapest car insurer for 2011?
my car insurance has gone up 140 this year
How to get cheaper car insurance for a new young driver?
I passed my test the other day but ive been looking for hours trying to find some cheap car insurance on a 1.2 ford ka but all the quotes im getting are minimum 3-4 thousand pound and some are even quoting up to 8 thousand ! Im 17 and male does anyone know where to get relatively cheap insurance something between 1000-2000 pound? or any methods that are used to get cheaper car insurance?
How much would it cost to insure a Volkswagen Golf 1.4L?
I'm 17 in a couple of months, I'm thinking of getting a car now and refurbishing it, make it look nice, you know? I've came across this one car, a VW Golf 1.4L 5 door, obviously it will be my first car. How much ROUGHLY would this cost to insure per year and is it a good car to get? It's done 139,000 Miles and is the 2001 model, its a petrol engine and will cost me just short of 600. How would I go about the insurance and how would I buy this car? How can i check its not stolen and stuff? and is it a good buy for my first car? Any help shall be much appreciated!""
For Massachusettes drivers-did anyone else's insurance skyrocket when the new rates came out last month?
with the new credit system my rate went up over $700 and I am not happy!!
""Car insurance, i am confused ?""
basically i think i will be driving around around 20 miles a day possibly 24 miles a day depending on traffic. If i times this by 5 it will be 100 miles a week or 120. if i times this by 52 for the whole year it will be 6240 miles driven a whole year. So why the fucccckkkkkkk when i type i am driving 100 miles week in the insurance calculator they estimate i will be driving 26,000 miles a year ???? Who is correct? i am confused, this is important because i got quote for 1700 a year for around 6000 miles.""
Stout Iowa Cheap car insurance quotes zip 50673
Stout Iowa Cheap car insurance quotes zip 50673
Can I buy insurance even though I have no car but I drive other peoples cars regularly?
I find myself needing to borrow my boyfriends car every once and a while but my mom recently took me off her insurance plan since I dont drive the car anymore (i moved away to college and dont come home often). All the insurance quotes I've seen require me to list a car. Can't I just get general driver's insurance to cover me when I'm borrowing cars? BTW, I drive a vespa-style scooter that doesn't require insurance, so I have transportation but when it rains or when I need to drive far I borrow a car. I also offer to drive whenever the driver is tired, or if I'm taking a road trip, or if the driver is drunk and can't drive, that kind of thing.""
I need help finding an affordable health insurance plan!! I am a young adult!?
I need help finding an affordable health insurance plan!! I am a young adult! I currently am 20, and I am on Medicaid. Full coverage. I am a former foster youth. Being a former foster care youth I get medicaid until I am 21. I turn 21 in October...I need some sort of affordable health insurance plan. I take ADHD medication, it really works and helps me focus. My work ethic has improved SIGNIFICANTLY, and I can actually focus. Its great, I am about to start college and am worried I am no longer going to be able to take this ADHD medication. I support myself for the most part, and no, I can not be on my parent's health insurance. I make about 16,000 a year, and pay half of rent and some bills etc. I need to find a health insurance plan that either A. will pay for all my my 198.00 a month prescrption cost, or B. pay for most of it. Will someone help me out? Direct me to any insurance company you know that can help me? Thank you so much. And please..real answers. Thank you for your time!""
Insurance Help for a Teen?
I'm about to get a used 2004 Lexus Sc430 hardtop convertible. It's a V8 with 288 horsepower. My friend has a 400 Horsepower Trans Am but he put his name under his dad's truck as the primary driver so they wouldn't get killed with insurance rates. If I put my name under my dad's tahoe as the primary driver and under the lexus just listed under the car as not the primary driver. Can I get in trouble for this?
Car insurance question?
My dad has got me a new car through finance, but the car is in his name as my credit is not strong enough for finance. Is there any insurance I can get that still gives me my points per year? Thanks""
Ford Focus Insurance for a just passed Driver?
How much would insurance cost roughly for a 25yo female who's just past her test?? I haven't yet passed but when i do I want to get a Ford Focus and was wondering how much roughly insurace would cost!
What is the best company for cheap car insurance?
I am doing my lessons, I am a 19 year old female and a mother of 1. I have just bought a renault clio 1.4 and need to get the cheapest possible insurance. To start i need insurance so that i can drive with someone in the car on my provisional but i also need quotes on how much it will cost me when i have past my test.""
Car insurance questions - with regards to cancelling due to cheaper quote?
I have a couple of questions with regards to my car insurance. First of all, if I do a search on moneysupermarket.com/gocompare.com etc, will it record a search on my credit file? I turn 25 fairly soon, and I have a feeling my insurance should probably reduce accordingly, and want to know if it's worth my while shopping around. My current insurance policy ends in October. Also, if I do decide to shop around, and find a policy cheaper than what I'm currently paying, can I cancel my existing policy before it's due to end? I'm not sure how it works with car insurance - i.e. I know, if you wanted to cancel your phone contract early, you would be liable to pay the price for the whole contract - is it the same with car insurance? or can I just cancel it whenever I like?""
Where can i find a cheap auto insurance in los angeles for a 2004 Subaru Impreza WRX?
I own a 2004 Subaru Impreza Wrx (sedan). Vehicle has a clean title, not salvage, and payed off. I'm looking for the basic (state law requirement) type of auto insurance. I am also 19 years old with a clean record - no tickets, no accidents, etc. *I called a few insurances and so far Inifnity Auto Insurance $182 while Titan Auto Insurance $111.00*""
How much Vespa costs to run in london? better use tube?
hi l want to buy Vespa (with cash) and lm wondering how much it costs monthly to run it? with fuel + tax + insurance? is it worth it? or better stick to tube (117 per month) any experienced Vespa owners?
Insurance on a 1998-1999 Mitsubishi eclipse GSX at age 16?
Alright so I am 14 right now. In 2 years I will be driving, and I am very into cars. I am looking to purchase a 1998-1999 Mitsubishi Eclipse GSX. Since an eclipse is considered a sports car how much would much insurance be a month? Imagine I have a perfect status (No wrecks etc., and above a 3.5 GPA). Also if I get an Eclipse GS is that still considered a sports car since it is not AWD, and is not turbocharged?""
Does vehicle modifications raise insurance?
Things like new Wheels, body kits, engine swaps and etc. Would modifications raise insurance?""
Car insurance when buying a new car?
Hello,i have seen a used certified car online and very much interested in haggling with the car dealer to buy the car,but my problem is,i have heard you need insurance coverage on the car before the dealer will let you drive off the lot with the car.So my question is how do i go about this when i havent yet selected or bargained for the price of the car before purchasing.I am driving 2 hours to-and-fro to get this car and cant afford to go home without the car the day i go to the dealership.How do people go to car dealerships,haggle on any car they love in the showroom and drive home the same day? I cant buy insurance that i may not need( example buying insurance on a 2009 car,but later get a good deal on a 2010) Any help on how to get the car insurance issue straightened out before i go haggling for cars?""
How much (average) is health insurance for a family in America?
As I live in England where we have the NHS I was just curious how much health insurance is in America. Obviously I know that it depends on pre existing medical conditions, how old people are ect ect but let just say for average family of four, two parents and two children would health insurance cost. I was just wondering.""
Which is the cheapest auto insurance policy that a company can offer which covers everything?
i own a chevy beat 1.2 LT and need to know the right comparision of d best insurance company policy.pls reply asap.
""I have a DUI, I had an SR-22 filed with my insurance company. My insurance never went up, is that normal?
Am I required to carry some sort of form?
""Queation about auto insurance in Boston, MA?""
Hey, I am 17 years old (18 in a month), male and I am looking at a used audi s5 (4200 cc 350 bhp) to buy. it is a 2009 model with 30000 miles. How much do you think i will be asked to pay for insurance each year if i purchase this car? I never had an accident btw and i dont plan to do many miles.""
Should I get mortgage life and disability insurance?
I just bought a house on my own and the bank is asking me if I want to get mortgage life and disability insurance. I've got life insurance through work (plus separate life insurance on my own) and disability insurance through work which is at 75% of my pay after 4 months. The mortgage and disability insurance is $47/ month. Do most people get additional insurance on the mortgage? I don't have any kids, husband, parents or siblings living in the same country (they're in Europe).""
Can I tell my car insurance company that my car will be kept at different address for cheaper deal?
My registered address with my insurance and car is more expensive than if I keep it at families address, so can I legally keep the car somewhere other than my registered address in order to have cheaper car insurance? By that I mean give the insurance company my real address and tell them it will be kept at a different address?""
Maternity Insurance?
Does any one know of a good insurance for maternity. I have been trying to concieve for a year and 8 months with no luck. It is time to visit a doctor. But I think it is better for me to get insurance since fertility treatments are expensive. Which insurance would you go with?
Ownership of whole life insurance?
My grandfather bought me whole life insurance (paid up in full) when I was an infant and then made my father the owner. I am the insured. My father and I are no longer on speaking terms and I want ownership of my life insurance. Because I am 23, shouldn't the policy have become mine when I became an adult? I mean, it's not like I ever signed anything when I was a baby. If something were to happen to me, he would be the beneficiary - that's not something that I want. Is there legal precedent for me to regain control? Is there any situation in which I would NEED to be the owner of my life insurance, so that I can tell him that he must transfer ownership to me?""
Health insurance?
is there any other form of low income insurance in south carolina besides medicaid? im 19 with a baby. i cant work because i dont have anyone to take care of the baby and cant afford daycare. i rely on my parents support. also i live with them. my baby is on medicaid but i am no longer eligible because of my age and i am not disabled
What car has the cheapest insurance for a 17 year old new driver?
looking at cars, i would like something that looks alright like a clio etc""
How much do you personally pay for car insurance a month?
just wondering. thanks! :)
Need help with a question about car insurance quotes.?
Is it legal for someone else to get an insurance quote for you without your permission? The person called and told the insurance company they were cars he was thinking of buying. Neither car is in his name and neither owner gave express permission for him to ask for this information.
Should i tell my parents about the car accident i got into?car insurance question?
I got into a small car accident. I bumped into the car(98 avenger) in front me on the way heading to school. It was a acquaintance that i knew in high school.well we didn't get the insurance involved,we exchanged information. there's a small dent on his bumper i thought i could pay him off out of pocket with out my parents knowing since they've been trying to find a new car for a while now we even went to a dealership the day of the accident,i dont want to look irresponsible. but the trunk of his wont open. He went to a place to get an estimate they would charge him about 1,700$ which is wayyy more than i expected. I called other places around my area to see if they can fix the trunk and they basically said they to see the condition its not bad it just can't open.being a unemployed college student its hard to find money to pay of the pocket,so i was thinking of just asking my parents what happened,only if the body shops around my area are to expensive to pay. I know im under my parents insurance name but i wasn't sure at the time would the insurance company pay for all of it or would i need to pay out of pocket?would it go up?. need advice or suggestions this situation had been bothering a lot. dont know much about car insurance any additional information would be appreciated!""
Stout Iowa Cheap car insurance quotes zip 50673
Stout Iowa Cheap car insurance quotes zip 50673
https://www.linkedin.com/pulse/minneapolis-minnesota-cheap-car-insurance-quotes-zip-55487-best/"
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Car damage from freeway road hazard. Will my rates go up if i fix thru insurance?
"Car damage from freeway road hazard. Will my rates go up if i fix thru insurance?
While driving on the freeway, a metal object from car in front of me fell and damaged the front of my car. Will my insurance raise my rates or negatively effect my insurance record if I go through insurance to get it fixed? I use Mercury insurance in California and I have standard collision coverage. Thanks
BEST ANSWER:  Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr 
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Can someone please help me find the best insurance for me?
I need something that covers dental, vision and as much Health as possible. (Routine check ups, lab work, specialist, etc) Something with an affordable deductible and Affordable Copay..I'm not very familiar in this area but I'm 99% sure that I have progressed type 2 Diabetes as well as other various health problems and desperately need to visit the doctor. Thank you.""
Car Insurance?
I'm going to get my license next month but my parents told me I can't get a car, which I am in terms with. However, they did say I could occasionally borrow their cars when they aren't busy or at work or something like that. Would it be okay if I did this but I don't have the insurance for the cars under my name? Will they still be covered if someone hits me or something? And would this be legal?""
Is it against the law to drive without insurance?
Been driving for 30years clean here in Canada with know accidents, until I got into my first incident a few years ago, my insurance went up more then doubled!!, The insurance company RBC didn't want to forgive me on my first accident told me I had too wait 6 years, I I feel this is extortion, Im almost tempted to drive with out insurance is this recommended?""
Car Insurance for 18 yr Old?
Hi i was Just wondering what the cheapest insurance and car to insure for an 18 yr old living in the uk. i have just passed my test last month (Nov 2008) and want to get driving straight away. So far i have tried 'insurance on 1.1 ford fiesta, 1.2 vauxhall corsa and other small cars including DAEWOO matiz, citroen Ax and ford ka's all have been 2.5 grand. i have even tried putting my dad on who has 9 years no claims and it comes down to just over 2 grand. Does anyone know which is the cheapest car to insure and which is the best(cheapest) insurer?""
How much would insurance on a motorcycle be in Texas?
I am 20 and my car insurance is $70 a month and I know it will go down some when I turn 21 but I probably still will not be able to afford it. I have never received a ticket and was wondering about what my insurance would be if I was 21 and had a motorcycle?
Best Apartment insurance?
Hey I need apartment insurance. What are the top five best apartment insurance places? Thank you!!
California Car Registration?
I'm thinking of buying a new car in California. However, I was wondering if I register this car to my name if was restricted to only driving that car I'm registered to. My folks have a van I sometimes drive and I don't want to get a ticket. Thanking you in advance.""
I need health insurance?
i am a student in college from the ages of 18-26 looking for a affordable health insurance..
Is there a law in California stating that the newest driver(under18) has to get insured under the newest car?
Is there a law in California stating that the newest driver(under18) has to get insured under the newest car?
Where can I get the cheapest car insurance in Ontario?
I'm looking to purchase a used car, probably 6-7 years old, and I am a 29 year old male living in Toronto. I want the most basic insurance available required by law, as the vehicle will be less than $4k, so I will take the hit if something happens to the car. I've seen really good quotes from Johnson insurance, but can anyone recommend any other insurance companies which offer cheap insurance for basic coverage? Thanks in advance, Joe""
Car insurance trying to scam me?
Ok here it goes... I had insurance on my car for a year, when it ran out I decided to get a new car and didnt need the original insurance anymore. But the company automatically renewed it and then requested a copy of my driving license or they would cancel it. I thought fine I don't need it now anyway, ill ignore them and they will cancel it. So they cancelled it and a month later they have said I owe 180 for some reason. My insurance was only 50 a month and I didn't sign or agree to any credit agreement for the 2nd year. And I didnt miss any previous payments Does anybody know whats going on there?""
Is car insurance sexist?
im a guy trying to get a car and am being penalized on car insurance being quoted 10k for a 400 car yet the insurance quoted offers the same coverage for only 5k if i selected gender ...show more
Jason wants to buy a car. He has $2500 in his savings account. He also needs to pay $600 for insurance. How?
Jason wants to buy a car. He has $2500 in his savings account. He also needs to pay $600 for insurance. How much can Jason spend on a car? A. c < 1900 B. c > 3100 C. c < 3100 D. c > 1900
How can I get a fair replacement cost by the auto insurance company when my car is totaled?
my car is being paid off by the other person's insurance company, not mine.""
What is a good affordable health insurance?
That is no more than $120 monthly. Thanks in advanced
""Are you prepared to pay 10-11-13% of your income for $1100-1300 deductible health insurance, not copay?""
Will you go to the doctor more if another large percentage of your income is taken from your check and you still have to pay for office visits until you have paid $1100 to $1300 deductible before your insurance kicks in each year? http://www.bcbst.com/learn/affordability/04-639GovernmentMandatedBenefits.pdf Skip to page 16 to see the summary. This is a report by Blue Cross Blue Shield, a nonprofit health insurance provider. Government interventions causes health care costs to rise, not go down. http://www.quick-online-insurance-quote.com/blog/2009/05/13/what-is-the-average-price-of-health-insurance/ Why doesn't the government talk about the price each American will pay for government run health care plans?""
Help with car insurance please?
Hello, I Live in the UK, I am 22 years old and I have a Kia picanto which is my everyday car. My girlfriend is the main driver and owner and I am a named driver on the policy. I have a Subaru Impreza which I want to use at weekends etc and only little use. Is there any sort of Insurance for this? Its a 1998 plate so don't think I qualify for classic cover. Basically I will do about 500 miles a year in the Subaru and can't afford the 4000 for the year. I know a lot of people will say just sell it etc etc. But I love the car and owned for the last year and do not want to sell. I just want a little help please. With the cost of petrol etc I no longer use the Subaru as everyday use as it gets me about 11 MPG and the Kia about 53 MPG and can't afford two full price premiums. So is there any temp weekend cover for the year or small use/classic kind of thing? Any advice will be very much appreciated. Kind Regards""
Cost of health insurance?
How much does health insurance cost per year if I pay for myself instead of my employer paying for it? I would pay through my employer's group insurance and mine is a family of three (including a child of 4 yrs). I am a contractor and I will be moving through the country quite a bit in which case would the insurance rates be from the state from where the employer is from or should it be as per the state where i am residing? How does insurance cost vary from state to state?
Will I loose my parents health insurance if I fail one of my college courses?
All too soon I'm going under the knife and I'm worried to death that me failing my online english will cause me to loose my parent's health insurance. Does anyone know if I will or not?
Slough car insurance at age 17?
I want to get: volkswagen golf 1.6 volkswagen golf 1.8 volkswagen golf 1.9 I dont mind any just want to know can i get insured on all of them and im only buying one not all three all im going to use the car for is to go college and back no where else and no intentions of driving fast, just need transport for college and also i dont want any idea's that leads to fraud i want my own policy and not any multi car insurance as it causes alot of hassle and no one in my familys drives so im all good. Everything i will do is legal not any lie or anything so how should i choose my insurance. I will be only taking the car to college I wont be taking the car out at night so college starts at nine and finish at 6 going to use it 4 days a week only""
Insurance on motorcycle ?
It would be a Kawasaki ninja zx6r it is a 2006 and 600 cc engine.. I am 16 and live in northwestern Pennsylvania... I would get minimum coverage.. I would also be adding on to my dads car insurance plan and I would be getting a 20% discount for good driver etc. About how much do you think the insurance on it would be?thanks
Car Insurance?
I am moving to the US (I am a Canadian Citizen), how much should I look to pay for car insurance in Miami?""
Got a Speeding Ticket in NJ. Will my Insurance Rate go Up?
Got a speeding ticket in NJ, and the cop said I was going 66 in a 45 zone (which is untrue, but that's besides the point). 1. Does this put points on my license? If yes, how many? 2. Willl my Geico Insurance go up? If yes, by how much? 3. Will a defensive driving course help at all? I'm 20 years old, this is my first offense ever, and and I own the car and insurance.""
""I'm moving to another state. How long do i have to get proof of insurance, new drivers license, etc?""
How long do i have to complete the entire process of getting new proof of car insurance, attaining a new drivers license, registering my vehicle, and getting new license plates? I have looked on the dmv website and i am more confused now then before checking the website. The website claims you have 60 days to get your new drivers license but, you have 30 days to have your vehicle registered. This cannot make any sense because in order to have your vehicle registered you must have a valid drivers license in that state (at least for the state i'm moving to). Can someone shed some light on this topic and how long on average an individual has to complete this entire process? thanks!""
""I am looking to get an 80' s mustang, v8, and possibly with a superchager on it. What would the insurance cost
be? what would be the difference between with a super and without one? I am 17 and it would be with my parents insurance. Thanks!
Car damage from freeway road hazard. Will my rates go up if i fix thru insurance?
While driving on the freeway, a metal object from car in front of me fell and damaged the front of my car. Will my insurance raise my rates or negatively effect my insurance record if I go through insurance to get it fixed? I use Mercury insurance in California and I have standard collision coverage. Thanks
I have my driving test soon need insurance help im 17 could go on mums insurance but lowest quote is 1500?
and thats with a box in the car but lowest quote without box in lowest quote 3500 and lowest quote on my own insurance 4000 her car is a 1.4 54 plate fiesta on my own it would be a banger old car
How to reduce my car insurance?
Hey people, I'm 18, living with parents, just got my licence in the UK about 4 months ago. So I went out today and bought a 1.0 engine size KIA PICANTO. Heres the annoying part...we've been looking for insurance within our budget (realistically 1500p/a), All companies we've looked at have been giving us quotes of about 3500 which I find astonishing for a 1.0!! We've tried confused, admiral, churchill and compare the market. We've tried putting my parents as the main drivers and its still too expensive. Looks like pass plus is also useless! However, its the latest edition. It's a 2011 KIA picanto....do you think maybe if I returned the car and purchased something from 2004-05, insurance would drop to a reasonable rate? I do have loads of friends who managed to get car insurance below 1000!! Many thanks""
How much would it cost to rebuild my townhome ? an Insurance quote question.?
I am buying a townhome for 215K and it has a association which has insurance to covers outer part. As home owner I need H06 policy to take of interior and my personal property. I am closing next week and need to buy a home insurance and whenever I am getting quotes everyone is asking me what value you want for home replacing coverage to be. They are asking home much would it cost to rebuild my townhome, how would I know this. Here is the scenario: Its a PULTE built 2004 construction and was sold around 300K in 2004 for first owner, now since prices have come down I am getting the townhome for 215K.(3 bed, 2.5 bath,2 car garage,basement, 2 story,2000 Sft.), its in Chicago suburbs (Schaumburg IL). So how would I know how much would it cost me to rebuilt incase of a full fire damage to the home, since I own the land I can reconstruct I guess. Any approximate dollar amount as how much would it cost to rebuilt ?""
I need a list of affordable cars that look like a sports car but aren't considered one by insurance?
Or just a list of sports cars that tend to have lower insurance.
Car Insurance help???
I have just passed my test and am 17 I am hoping to get a car and i was just wondering what are the best cars for cheap insurance, well as cheap as it can get""
Who is the cheapest car insurance company for two cars?
One is a 1993 Ford Probe and the other is a 1994 Toyota Camry.
Car insurance help for a 17 year old first year driver?
I'm looking to spend 3000/4000 pounds on either a Golf 2006 model, ford focus, audi a3 2006 model or a bmw 1 series. How much am i looking at for the annual insurance for anyway of these cars being a first year driver?""
I want to name my new insurance company?
i want to name my new insurance company
Car insurance trying to be cheap on repairs?
I was recently in a car accident. The other driver T boned me and he's at fault. I have my car towed to a certified BMW repair shop. The insurance adjuster assessed my car and approve the repairs.I later found out that they are going to repair my car with piece meal parts from used car from a junk yard. Half a door and part of the frame will be welded. Is this acceptable? BMW said it will not fit there standards but it is what the insurance paid for. Is the insurance trying to cheat me or is this standard practice? Do I have any say on this? Should I get a lawyer?
Health Insurance in RI?
Im 25, married, with a 1 year old baby.Im trying to find a family health insurance plan for my family.The company that I work for offers health insurance but the rates are very high, I can not afford what they offer, however it is hard to find Health Insurance elsewhere because my employer does offer it.What are my options?(I live in RI.)""
Will my health insurance apply when i move?
I live in california and have really great health insurance that my mother pays for, but i am moving to missouri in january and am wondering if when i move my health insurance will still work? i don't know very much about this subject and if i'm not covered i'd like to begin looking for a job in which i can be. any help is great, thanks!""
Health insurance question?
Had COBRA insurance, terminating, looking for health insurance. One health insurance has turned me down. Am on SSDI and have a condition that needs outpatient surgery monthly. Anyone have any suggestions?""
What is the cheapest liability car insurance in the US?
What is the cheapest liability car insurance in the US?
Life and Health Insurance Exam- I have taken it like 5 times and not been able to pass it?
I have been doing this online course license2go.com, and it has a lot of good information but it seems like on the test, there is a lot of stuff I didn't ever see when taking the test. Is there any alternative way to getting a license? Like online? If not, what are some other good ways to study for it? Thanks""
I have my own health insurance. How will these proposed Healthcare reform measures affect me?
Am I going to have to pay more now?
Cost of insurance for 1998 Porsche Boxter?
Hi, I'm a high school student and I recently purchased my uncle's 1998 Porsche Boxter. However, I would like to know the cost of insuring this car. Please don't give me websites, I would actually like a figure without inputting a ton of information into an untrustworthy site. I'll give 10 points to the best answer. Information that may be useful: -high school student (first year of driving) -GPA: 4.0 -Drivers Ed: taken -Gender: male Thanks in advance for any helpful answers! If you don't know for sure, an estimate would be appreciated as well.""
About life insurance?
i am 35 year old and i have one daughter of 1 year.i want to take policy for myself and for my wife also.we both are in govt jobs.plz suggest me best policies
How much should i pay for old car insurance?
how much the cheapest insurance for old car? i have a used honda.
Cars cheap to insure for new drivers?
Hi, ive just passed my driving test and im looking for a little car to get me mainly to and from my boyfriends, to work and to uni. i only need a 1L, something small and nippy but also quite cheap to insure. i know it will still be quite high insurance with me being a new driver, im 21. any ideas? ive been looking at fiat puntos and clios etc, but im not very clued up about cars or what ones would be classed as 'new driver cars' thanks in advance for any answers :)""
How much should a teen pay for car insurance (10 pts in 24 hrs!)?
I'm 17 years old, female and will be driving a 2011 Hyundai Sonata. I live in New Jersey and I'm wondering how much it will cost. When I looked for quotes online it said 450 a month. Will this be accurate? I passed my permit test with a 82. Can anyone give me numbers and not 50-500 stuff? And i need to know ASAP Will be picking best answer by the end of today!! thank you. or atleast answer: how much did you pay at 17 info and stuff. Thanks!""
How much will my insurance go up after a DUI??
I got a D.U.I. and i am going to get my license back soon and i am wondering how much my insurance will be compared to before.
Cheapest car insurance for 17 year old?
With full uk licence and as named driver or owning the vehicle. Does any remember what they were when they were 17.
Insurance for a 3 series BMW Convertable?
Does anybody know a good/cheap insurance company for a BMW 3 Series Convertable. I don't have any no claims as i have always driven a company car! Please please help!!!!
What are a few cars that are cheap to insure and cheap to run for a 17 year old?
Wanting to know 4 or 5 cars that you think are ideal for a 17 year to insure and be able to run?
Why did my health insurance raise 85%?
I work for a school and our healthcare company, Cigna, raised the rates from $20 a month last year, to $130 a month this year! And a family plan through Cigna (which I had hoped to use one day) will cost more than $700 a month!! What?? The best part is, the insurance covers less than last year and has higher copays for everything ($150 for an urgent care visit as opposed to $50 previously). Can anybody explain why this is happening? I'm all for healthcare reform... Companies shouldn't be able to take advantage of hard working citizens, those less fortunate should have access to affordable healthcare, etc. But why this EXTREME hike in price for me? Please keep you anti-Affordable Health Care comments to yourself. I'm looking for a real reason why I'm seeing this huge hike. It seems like it will be cheaper if I sign up for healthcare on Healthcare.gov at this point...Pretty absurd.""
Car damage from freeway road hazard. Will my rates go up if i fix thru insurance?
While driving on the freeway, a metal object from car in front of me fell and damaged the front of my car. Will my insurance raise my rates or negatively effect my insurance record if I go through insurance to get it fixed? I use Mercury insurance in California and I have standard collision coverage. Thanks
Where can I get an insurance quote?
I want to get an insurance quote on my car but every site I go to asks me for a lot of information such as address, name and other personal things. Is this how you have to do it? Or is there a site where you just type in your birthday and info about your car? I just want an approximate quote. I'm only 16 and would be insuring a 1974 Ford Mustang II with a v6. How much do you think that would be? Whats the best site for quotes?""
""25 years old new driver, no cheap insurance :(?
newly qualified driver but cant find any cheap car insurance for 1998 nissan micra :( no less than 3000 per annum. any suggestion. uk
How Much Is Car Insurance? Please Help?
Ok See im 16 and i have a 1990 Pontiac Firebird and I have a Junior License Year: 1990 Make: Pontiac Model: Firebird Trim: Engine: 6-Cylinder V-6 Trans: Auto Fuel: Gasoline Color: Black Interior: Grey Miles: 170000
""How much is a speeding ,no insurance,and without id ticket can cost in Augusta Georgia?""
my daughter was caught speeding,no license,no insurance,how much does the tickets total?""
How much does motorcycle insurance cost in the uk for a 18 year old?
Not the exact price, just roughly.and per month""
A question about car insurance?
I currently live in Minnesota, where the price for my auto insurance is around $910/6 months for the most basic insurance required by law, which is 30/60/10. In August, I am moving to North Dakota. I wanted to change my insurance to my North Dakota address, since their requirements are 25/50/25, and will cost me only half of what I am paying now. So my question is, do I have to change anything? Do I have to change my legal home address to North Dakota and get a North Dakota address, or can I keep my Minnesota address and license? I'll honestly do anything it takes, since I will be living in ND for four years and will probably end up making that my legal home eventually anyways, I just need to know if there is anything I need to do immediately so my car insurance is legal.""
How long do I have to wait to be able to buy car insurance?
My sister has been paying for car insurance because the car is hers. I want to buy a new car, so I need to pay insurance on my own. I've been driving for 1 year. The problem is I had 2 tickets: speeding and move-over violation. I think because of that, the insurance quote is very high, like $200/month. I wonder if I will be able to buy insurance with lower quote a couple years later or not, and during that time I will put my car under my sister's insurance. Thank you to people who give me answers!""
Does AAA have good auto insurance?
Does AAA have good auto insurance?
Private health insurance and medicaid?
My niece who is pregnant works full time and has private health insurance through work. Is she still eligible to get medicaid even though she already has insurance? I thought that if you were pregnant and low income, you'd automatically get medicaid. She makes $10 per hour, so I don't know if that will put her into the poverty level income. She has no other kids.""
How do I show proof of car insurance from USAA?
I'm new to buying a car and everything. I'm 19 and a soldier in the US Army. I started an account online with USAA, but have no physical documents. I plan on buying a car in a few weeks. When I go to the dealer and they ask me for proof of insurance. I haven't actually bought a policy from USAA yet. I only got a quote online and I was planning on calling USAA at the dealership and purchasing a policy over the phone. But how do I actually show the dealer my proof of insurance? Can I call USAA and buy a policy over the phone and then have them verify to the dealer that I have insurance? Can all this be done the way I'm planning to do it? Thanks!""
How much could motorcycle insurance be for a teen in California?
My mom has geico, how much could it possibly cost for insurance? and I'm also a good student, so can't I get the good student discount? and my mom also has a great driving record.""
Can someone give me a rough estimate?
I'd like to get a vr6 Vw gti as a first car. How much would insurance be ( roughly ) for a 16 yr old male? NO LINKS TO INSURANCE QUOTES!!!
Insurance after 1st DUI?
I recently received my first and last dui. I currently have USAA and pay about 60 a month for coverage. I am 31 years old and have a clean driving record. I had a tint violation when I moved to another state.There was no accident involved with the dui. Will USAA drop me? I do know I will need SR22 once my work permit gets approved.
How much $ does Geico Auto Insurance cover for car theft?
How much do these companys normally cover for auto theft? what % of the cars value?
Life Insurance?
Can you buy life insurance on anyone? I mean could you buy life insurance on everyone in the nursing homes, then collect the reward? Or quickly buy life insurance on hospitol patients?""
Is four wheel drive worth it for where I live concerning insurance costs?
I want a jeep cherokee as a first car and I cant decide between 4x4 and 2x4. My friend told me that four wheel drive will increace the car insurance. I already thought insurance was expensive, does anyone have any idea how much more this will increase insurance on average. Should I even get a 4x4? I'll be getting the car off craigslist so its not the cost of the vehicle that concerns me its all about the insurance. I live in florida so its not like ill be going through snow or anything i just thought it would be handy if I ever wanted to go off roading once or twice.""
How would insurance work in college?
When I go to college, how would I be able to receive insurance, to go to the Dentist or Doctor?""
How much did your car insurance go up when your teen began to drive?
How much did it rise? Did they get their own car or did they drive yours? Did they have a good student discount? Did they take drivers ed (and get a discount)? Are they a boy or a girl? Anything Else? Thanks... Just trying to figure out how much ours is going to go up
How much would it cost approximately to insure a commercial van in the UK?
For the purpose of a university business plan i need to know very approximately how much it would cost for a small company to insure a second hand van , sort of like this one http://vans.autotrader.co.uk/used-vans/mercedes-benz/vito/2006/at8a6ab63235e7d22b0135ee88617f51e1/mercedes-vito-109-cdi-long-air-conditioning-diesel - so a few year old , good condition aporx 50-100 thousand miles on it bought second hand for about 5-7K , i literally need to know what ball park w're talking , 500ish? 1000? more , less? I have no idea... thank you""
Do you have to get health insurance?
I'm a full time student with 16hour this Fall. Since my school work-study wait listed me I'm looking for other jobs but I can only do part time or I know I'll be too stressed plus my adviser told me to go only part-time except during summer. I just want to know ahead of time will I be required to get health insurance? I'm already covered on my mom's insurance and it's really good. I'd rather stay with hers. I should be able to work part time and stay on her insurance right? Or is it possible I'll be kicked off and forced to whatever the employer may offer me?
My car was wrecked and the insurance company paid to have it fixed. Now they have found something they missed?
After paying out around 12,000 to fix my car (body damage only, but new car so everything came from factory) we found out there is something else that needs to be fixed and because the car is so new and they don't make parts for it, whole transmission needs to be replaced, even though nothing it actually wrong with it. Now insurance wants to total my car. I have gap coverage and want to know my options if i would like to keep my car and have transmission fixed myself. At first insurance told me they would pay off car, I keep it and get settlement money, then they told me no settlement money, but I would get to keep car with salvage title and it would be paid off, now they are saying they r trying to make sure I can keep it at minimal cost to me . The lien holder says if the insurance pays it off, they (lien holder) will not allow me to keep the car. If the insurance pays for it, isn't it their option to allow me to keep the car or not? What are my options?""
How much does type of car vary the insurance rate?
I am 18 and am going to be licensed in about a month or so. I am thinking about buying a first car but I'm just wondering out of curiousity, how much would insuring a 2002 BMW cost more than let's say...a 2002-2004 Honda Civic? I'm looking at the civic but if they are in the same price range, I would rather buy the BMW. Yes, I know about the Honda gets 50 mpg and BMW will cost more to maintain, etc, etc but I'm just wondering, would BMW insurance cost a lot more for a old model?""
Can i insure my UK car with ROI insurance?
Hi, I am looking to insure my UK registered car with ROI insurance. I travel to and from Ireland but spend the majority of my time in Ireland. I would like to know which ROI insurance companies will insure my UK registered car and if the insurance would be valid for driving in the UK, if so, for how long ?""
""If you crashed your car into someones, how much would insurance pay out?""
Assuming the cost is 18,000, most of it being for injuries the other party claims to have (<1000 bucks in damage). How much would insurance pay and how much would i have to pay? No damage to my own car. No need for insurance after this because I dont think im going to drive again after hearing the cost. I cant call the insurance company unforunately. Do you think I would have to pay all of it? I had full coverage.""
Making 40k a yearm take home 2500 monthly after taxes and insurance. How much rent can I afford?
Can I afford 750 amonth making 40k a year? I have a car note of 300, cell phone, car insurance no credit card debt. It's really nice and I've looked it has black appliances, ...show more""
Car damage from freeway road hazard. Will my rates go up if i fix thru insurance?
While driving on the freeway, a metal object from car in front of me fell and damaged the front of my car. Will my insurance raise my rates or negatively effect my insurance record if I go through insurance to get it fixed? I use Mercury insurance in California and I have standard collision coverage. Thanks
How much more expensive is car insurance for a sports car?
I know that car insurance for a sports car is more expensive. But HOW much more expensive? For example, my insurance will change from a 1998 Pontiac Grand Am 4-Door to a 1993 Pontiac Firebird sports car. How much of a difference, in numbers, will it be?""
Average cost of auto insurance for 21 year old male?
i know it changes with companies but i just wanting to kno a ball park estimate so i can budget accordingly
What is the cheapest car insurance?
Looking for cheap insurance because I have had to tickets for speeding.
How much is insurance on a ninja 250?
i am going to buy one in the next few weeks. i have a clean driving record. no tickets. no wrecks. im 22 years old. i live in kentucky. how much is insurance and what company's are best to get a quote from?
2500???? Car Insurance!!!! HELP!?
I passed my driving test yesterday and have been looking for car insurance but the cost is crazy. 2500 I was quoted by Aviva and 3200 by my bank. I can only afford a car upto about 800, I'm never going to be able to pay that much. Do I go fully comp or the other one? (I don't even know what these mean). Does anybody have any advice? I could really do with it. Thanks in advance.""
""California to nevada, is insurance more?""
moving to nevada, is auto insurance more from CA to NV?""
What is some affordable/ good dental insurance?
What is some affordable/ good dental insurance?
Young Car Insurance?!?
Hi! I currently have a Peugeot 306 1.4 Meridian I'm 18 years of age, and my test is in a few days! I've been filling out forms on the internet, and phoning various different companies for quotes! The cheapest i have recieved so far is 4,800 for a thirdparty fire and theft cover! How, as a student am i supposed to get my hands on that type of money?! Its pathetic how we're expected to pay so much! Is there anybody out there, who can help me get a cheaper quote! I wouldn't mind if it was 2000 even, which is still a pathetic price for me to drive to college and back! Thanks in advance. Jamie""
Car insurance expired?
my insurance expired today, do i have to declare my car is off road while im trying to sell it. is there a time limit""
Named driver car insurance?
My dad purchased a car and added me as a named driver. I use the car whenever he doesn't use it but as a majority he covers more miles than I do, some weeks it's 50/50 usage others I use it not as much. My dad is the owner of the car and the policy holder. He received a call from the insurance people and because he said we use it 50/50 some weeks they have now given him 7 days left before they are going to cancel the insurance. He payed this in fully and is only 2 months in. He recieved no terms and conditions, are they aloud to do this? Please help as he is isn't clued up on this and we both need to use the car. We were told that we need separate insurance for the vehicle which seems ridiculous seen as that would be double the price and not make any sense. He has his own other vehicle which he uses for work and I only use the shared car when necessary. Thanks in advance for any help. Ryan""
Best insurance companies for 17 year old passed my test!!?
ok ive pased my test a month on friday and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 17 year old have and who is it with, please :)""
I'm looking into insurance sales as a career change. Which company would you recommend?
I have a strong background in sales, a college degree or 3, and a strong drive to succeed. However, with so many companies out there looking for agents, I'm having a hard time narrowing it down.""
Car insurance went DOWN after accident?
I was involved in a one vehicle accident and had a failure to control and hit a guardrail. I called today to get my insurance back and its lower ?? I thought it would go up? Also I ...show more
What's the best auto insurance you can get for a female under 25?
I had Liberty Mutual. I got a low premium because of my parents but when the taxes went up they totally jacked up my premium. Plus their customer service is TERRIBLE and they're grimy. So then I went to Progressive - One lady helped me get my policy, then I called them for another reason and another rep. said I didn't even get the best quote I could've gotten. I'm kind done with these brand name insurance companies. I was looking into one called Elephant insurance but I'm not sure if it's actually any good. Does anyone know anything about them? Is there any other company I can try? I'm 20, I turn 21 next month. I've never had an accident. And I don't know what my credit score is or if I even have one yet (I'm working on it.)""
Where can i locate Leaders speciality auto insurance?
Where can i locate Leaders speciality auto insurance?
If i report my car stolen will the insurance company ask for the keys?
My car was tolen... But i lost the keys to it. Does either the police or the insurance company ask for the keys?
How much is car insurance in schaumburg illinois?
How much is car insurance in schaumburg illinois?
""Affordable braces (Columbus, OH)?""
I'm wondering if anyone knows of any Orthodontists that will do braces within an affordable price range around Columbus, Ohio. I'm willing to travel out of city, not so much out of state. I have two kids that are in desperate need of braces, but I can't afford to get both of them done with the prices that most orthodontists have been giving me. One of my girlfriends told me that she got her son's braces done for about $1700, which AMAZED me. Unfortunately, that office is now closed. Does anyone know where I can get braces done without going out of the price range of about $3000 each? I'm willing to go higher, but with this economy, not much higher. Also, I do already have dental insurance.""
Medical Health Insurance Florida: Family Plans?
I am looking for affordable medical health insurance plans for my family. We live in Florida.
How do I help families not see life insurance?
How do I help families not see life insurance as a bill but rather protection for their family? I am on a crusade to help families become properly protected (create an immediate estate) in case of a loved ones untimely death. Of lately, prospects see life insurance as another bill. Although it is; can any life insurance agent please share with me how they get around to making sales in the life insurance industry? Thank you.""
""How much would you have to make to own a $50,000 car?""
the question is what would your salary have to be to go to a dealership and buy a brand new car worth $55,000 car not owning a home, or having anyother bills to pay not even a cell phone??? and what would you figure your monthly payment to be, and insurance????""
Insurance on my phone?
I have had a phone that I bought from Radio shack. It is a no contract virgin mobile phone that I have had for about 6 months. But when I bought it, I didn't have enough money to buy the insurance. Is it too late to get it now?""
""I crashed my car and wrote it off, is it worth claiming on my car insurance?""
I was driving down the road and the rear tyre blew out which sent me accross the road into a tree then catapulted me into another tree into a ditch. The car is a write off! luckily i only have very bad whip lash and bruises. The car is only worth book price of 500 max, i have 4 years no claims. Is it worth claiming on the insurance or not I do have Fully comprehensive. Can i get anything for personal injury as i am unable to work at the moment. Not to mention i need to purchase a new car. Any help much appreciated.""
How much is my insurance going to go up?
I messed up, and rear ended a car. The cop said that while it was my fault, and I admitted that, it's largely because of the crazy intersection. Anyways, my car doesn't have a scratch but the other car's bumper completely fell off (It was a cheap car, so I'd estimate the damages at about $500 at the MOST. If that effects anything). No one was hurt either. I'm insured by AAA, but I'm a 17 year old so I know it looks bad. I've never gotten in an accident before, and I've been driving for almost two years. How much can I expect it to go up? ANY general idea would be nice. Thanks!""
Can I get liability insurance from an insurance company and collision only from another ?
I went to Allstates and GEICO to get auto insurance the first gave me cheap liability and very expensive collision and the other is the opposite ,can I liability insurance ( bodily injury and property damage) from allstates and collision from GEICO ?""
Car damage from freeway road hazard. Will my rates go up if i fix thru insurance?
While driving on the freeway, a metal object from car in front of me fell and damaged the front of my car. Will my insurance raise my rates or negatively effect my insurance record if I go through insurance to get it fixed? I use Mercury insurance in California and I have standard collision coverage. Thanks
https://www.linkedin.com/pulse/question-compulsory-auto-insurance-cassiopeia-najera"
0 notes
Does queensland comprehensive car insurance include ctp?
"Does queensland comprehensive car insurance include ctp?
i'm very confused! currently have my car registered and insured at my victorian address, need to change it all over to queensland and am completely clueless about ctp. please help!
BEST ANSWER:  Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr 
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I have never had insurance before. I own my first car right now. I have a graduated drivers license. and I have taken a drivers ed course. I need to know how much to expect to pay a month. Thanks!(:
Short term car insurance in US?
I am an Indian Resident and will be travelling to US for a period of 1-2 months. Am getting a good offer on a car rental but the insurance cost is very high (almost $20/day). Is there any way to get short term car insurance in US to cover a rental car for a period of 1-2 Months and pay around $150-$200/Month?
Cheap NY auto insurance ?
hi there, i plan on buying a car soon but im a new driver and i have no one else to help me insure a car so i have no choice but to insure it on my own. I've checked and looked around geico, state farm, all state, and they were all to expensive, anywhere from 5-6k to insure the car for a year (way to expensive). So do any of you guys know any NY auto insurance companies that are affordable? Thanks""
Does queensland comprehensive car insurance include ctp?
i'm very confused! currently have my car registered and insured at my victorian address, need to change it all over to queensland and am completely clueless about ctp. please help!
Can I force insurance to pay for rental car if they take too long to make a decision after assessment?
First off I am in CA and the other liable insurance is Farmers or 21st century. For some reason Farmers is handling the claim. Ok, so I was in an accident in which the other party was at fault. As such their insurance has accepted liability. I have already taken my car get an assessment by one of their representatives at a repair place. But do to their stupidity in a few instances, its taking a long time for them to make a decision as to repair my car or call it a total loss. So because of that, in the mean time I am forced to drive my car which I do not feel comfortable driving in. The passanger seat belt doesn't work so I can't commute to school like I usually do. Bottom line is a have been patient when they did their investigation and everything, but its been a while now and my car is still not even in a shop to get fixed. In order to maybe speed up the process and make me feel safer, can I just get a rental car already force the other insurance to pay? After all they are completely liable since it was their driver that was at fault. Why do I have to wait day after day, driving a ruined car, while they take their sweet time making their BS decisions? I know that they legally have to pay for a rental while my car gets repaired, but again they are taking time simply deciding if its a loss or not. So because of them, its not in a shop just yet...., but can I still get a rental car early and have them pay anyway? Maybe that will make em hurry up.""
I need to find cheap renters insurance in Michigan? Wheres the best place to go?
I need to find cheap renters insurance in Michigan? Wheres the best place to go?
Need advice on a life insurance policy for my parents.?
My parents are 67 and 57, and despite being the youngest of 6 children, I am somehow viewed as the most responsible. I have power of attorney over their estates. They trust me more than each other or any of their other children, because they know that I don't care about money for myself. I believe my parents have life insurance policies on themselves, but with the way they manage their finances the policies may very well have lapsed. I would like to open policies on both of them myself. I would like to get coverage for not only death but any life-threatening incidents so I can pick up the slack for them if their coverage is insufficient or doesn't kick in. I already have a policy on myself for $500,000, and I pay only $30/month. I'm sure that it'll be much more expensive for my parents, but this responsibility falls to me. My father is in poor health and probably won't make it another 5 years. When that happens I want to be able to pay off his house and any remaining debt, put on a nice funeral, and make sure that my mom has a financial buffer for retirement. Any advice on bringing up the issue of mortality with my parents, and getting their consent? Also, is there anything that I should know about policies for older people?""
Where can i get two wheeler insurance policies through online?
i need to buy insurance policies.
""How much could be the average insurance for a SMART car in Germany, Freiburg?""
I want to buy a used car, from 2002 or something like that. I need a small car, like Smart For Two.""
Short term car insurance?
want a scooby on the side for a bit of fun, can i get some sort of insurance for say..... weekends or the odd day here and there.""
Cheap Insurance For Teens.?
I am 17, and I live in KY. Know a cheap company?""
How do i buy car insurance and how do I find a insurance company that suits me (cheap)?
ok so I've seen a car I would like to buy, how do I get car insurance? should I ring a call or get insured online? Also a list of names of insurance companies would be helpful? thanks""
Car Insurance Question?
OK, so Im taking my test soon, and I was wondering if I could do this. As a result of my gender, my insurance would be considerably high; up to 6,00 to be exact. However, if I insure my car on provisional licence, it would cost LOTS cheaper. But, if I do this now, and pay for this provisional licence cover, when I have passed my test and have a full UK licence, would I just carry on with the same cover, or inform the insurance company of a change in the licence which I have. I hope you can answer my question. Thank You""
My car insurance company is screwing me over?
I was just recently in a car accident. my front end recieved some harsh damage. The hood was folded towards the windshield, transmitiion was busted, the front lights were busted and the front frame was pushed back to where i could not get my front doors open. My insurance company is saying that it is a complete loss. However the garage where i took it to said that it was fixable. My car is a 2001 neon. They want to take the car and probably give me 2000 dollars for it, and they wll fix it and sell it for more. My question is should i just hand it over to my insurance company and take the 2000 dollars? or does anyone have any suggestions?""
Hawaii: Which Car insurance company do you like in Hawaii?
I plan moving to Hawaii. Which car insurance company do you like? Why? Also, which company don't you like? Why?""
Home and car insurance question?
I live in Michigan. Do we have to buy our car and home insurance locally, within this county? Or can we get it from any agent in the state?""
Average insurance rates for a retail store?
What would be the average insurance rate for a retail store that sells books? How much more would it be with a children's section? If a child was injured in the play section how much would the rates spike up? I need this for an economics class where we are theoretically building a buisness and running it. Any help is appreciated.
How much would it be to insure my first car?
I'm looking at getting a Vauxhall Corsa, a couple of years old. How much do you think I'm looking at in insurance? Also, has anyone done passplus and found it saves them alot on there insurance?""
Am I payin the right amount for car Insurance?
I'm 20 years old and I drive a 2006 Hyundai Elantra an pay around $117 for car insurance every month for 6 months. I hear my friends payin cheaper and was wondering if I can get a lower quote. I've been driving for 2 years.
I got a car insurance quote from State Farm that?
is double that of the quotes I got online (from brokers). Is it better to go with State Farm or one of the cut rate insurance companies? I mean in the event of an accident and getting paid. I also rent a lot of cars and will be using the insurance I buy for those. And, not get the insurance that the rental companies over charge for.""
Names of good CHEAP! Auto insurance companies in New York State ?
I'm trying to look for cheap insurance companies for my bf who is way over the age of 25 and had two accidents. Due to the accidents from the past, their charging him an exorbitant amount. Could you please name a few.""
Is this what health insurance companies and Conservatives think about people with preexisting conditions?
I need health insurance for my baby... please help.?
Sadly we missed the open enrollment date at my husbands job to add our infant son. He could have been added up to 30 days after he was born and we missed the date. We filed an appeal and they denied us. So now I have a 3 month old who has no insurance and cannot see a doctor for his shots or if he gets sick. We make too much money for like medical or healthy families but not enough to afford expensive private insurance for him. ANy advice would be greatly appreciated!!! Thank you
Cheapest way to buy new glasses without insurance?
I recently broke my glasses that ive had for two years. I am currently in a predicament that does not permit me to spend alot of money on a new pair and to make matters more complicated, i do not have any insurance. I cannot apply for medicaid so that is not an option either. I need a fast alternative or some ideas as to how I could go about buying a new pair preferably under $100. I constructed a plan of buying my own frames and having the lenses filled but all the optical offices i called do not allow that method, they prefer you to buy their glasses. Thanks (:""
Looking for health insurance?
I'm a 23 year old male bartender that has recently graduated from school and thus has been recently dropped from my parents' insurance plan. All I really need is a good ...show more
Paying for car insurance I don' need while being oversees?
I plan an extended overseas travel this summer (lasting about 3-4 months). During this time, I will not be using my car in the U.S. I simply will lock it in a garage. I'd like to know how I can avoid paying for my car insurance (or lower my insurance bill) during this time. I understand that I can simply return my plates and drop the insurance before leaving but then upon my arrival back to the U.S. I will be with no insurance at all, and will need to get a new one (this will not happen instantly). Is there an option or insurance company that serves people who are away from the U.S. but who want to get covered when they return right away?""
In obtaining car insurance quotes which is more of a liability from their point of view?
I have the option of parking on the street or in an unsecure car park - think they would view car park as safer even if open?
How much should the car insurance premium be like after 2 years?
How much should the car insurance premium be like after 2 years?
Divorce and custody questions in California?
My soon to be ex husband and I have a 3 month old son. I know we can work out the custody agreement but if either of us get married again, can the step parent adopt the child as their own even though both biological parents have custody? Also if not, is there a way to give the step parents rights to the child like authorizing medical care, to be on the step parents insurance, ect...""
Does queensland comprehensive car insurance include ctp?
i'm very confused! currently have my car registered and insured at my victorian address, need to change it all over to queensland and am completely clueless about ctp. please help!
What does comprehensive automobile insurance entail?
What does comprehensive automobile insurance entail?
""How does car insurance in Ontario, Canada work if deductibles are involved?""
Maybe I'm missing something here, but the way it's been explained to me is this: I've got a $500 deductible on my policy. If someone backs into my parked car, this will be deducted from the payout I get for repairs. OK, let's say the damages amount to $900. That would mean that because of MY $500 deductible, the payout to me would be $400. I'd have to pay the other $500 out of pocket to repair my car. The insurance company would then reclaim that $400 from the other guy's insurance company. Now, if the other guy also has a $500 deductible (very likely), then he'd have to pay $400 out of pocket. That seems wacked to me. Someone damages my car, and he has to pay LESS than I do for the damages. Am I missing something?""
What's the cheapest liability insurance?
What's the cheapest liability insurance?
Where can i get auto insurance for cheap?
i have a utah license but live in idaho. i don't want to pay much more than $150 a month.
After a motorcycle wreck how much will my insurance go up?
After a motorcycle wreck how much will my insurance go up? I'm 21 and just got the bike a few months ago.
How much Vespa costs to run in london? better use tube?
hi l want to buy Vespa (with cash) and lm wondering how much it costs monthly to run it? with fuel + tax + insurance? is it worth it? or better stick to tube (117 per month) any experienced Vespa owners?
If a 16 yr old totals her new kind of expensive car how much will insurance go up?
what if the car was already paid off would that matter
Checking Insurance Quotes?
May be a stupid question but can you check different insurance quotes even if you haven't passed your test yet, just to get an idea of how much it will be ?""
Best value car/insurance for a new driver (teenager)?
Hey Ive just started taking driving lessons (im 17), and am hopefuly gonna buy my first car soon. I'll probaly just get a second hand one from the paper, but, is there that much difference in the insurance cost with the different cars (like, if i buy a Vauxhall Cora will it be more expensive in insurance than if I get a Ford Focus etc etc). Also, how much will I be looking to pay for for insuance? Im hoping its no higher than 500 a year, as I dont have a ton of money. Thanks""
How to get cheaper insurance? ?
So, I'm buying a new car. And have been getting lots of insurance quotes. They all ask what is the main use for this vehicle? and the choices are pleasure commute business and a couple other choices. My question is, which one gets the cheaper insurance? I work 3 days a week, and have 4 days off a week, so no, my main use isn't work, because I have more days off then I do work. Anyone have any ideas?""
How can i get affordable health insurance for my husband.?
How can i get affordable health insurance for my husband.?
Should I get mortgage life and disability insurance?
I just bought a house on my own and the bank is asking me if I want to get mortgage life and disability insurance. I've got life insurance through work (plus separate life insurance on my own) and disability insurance through work which is at 75% of my pay after 4 months. The mortgage and disability insurance is $47/ month. Do most people get additional insurance on the mortgage? I don't have any kids, husband, parents or siblings living in the same country (they're in Europe).""
Where can i find cheap car insurance?????
im 19 and have a vectra any one know where i can find cheap inssurance and is it better to do me or another family member as the main driver
Is auto insurance cheaper if I live with my parents or on my own?
Is auto insurance cheaper if I live with my parents or on my own?
Explain which is better to invest in insurance or mutual funds?
Explain which is better to invest in insurance or mutual funds?
Will it be more expensive to get health insurance in January?
When I did my income tax they said starting 2014 there gonna start charging a penalty fee for not having health insurance I'm looking for some right now but I'm not working right now and my employer dosent provide insurance so I was thinking in January when I start working Will it be more expensive because there's like a lot deadlines for insurance right now in December
Can I buy a used car without insurance?
I'm only 18 and I got accepted for a car loan. It's about $200 a month but I can afford the car insurance rate now. I'm buying the car from a dealership. Can I buy the car then drive it home and let it sit till I get insurance? Or can they deliver the car? If I drive it home rate away wouldn't it be like a test drive for the used car?
Young Person Car Insurance?
Hi there, I am currently looking for my son who is 19 and has just got himself a new job, i promised him if he gets a job he can have a car to get there. However i am very worried about the insurance quotes ive looked up on the internet which is looking at 3700 a year which is the cheapest i can find. Very worrying seeing his mates are 2500 which im happy to pay. He is looking for a old ford fiesta, is there any ideas where i could improve and seek a cheaper quote? Possibly phoning up companies or is the internet quotes better, any other suggested cheap car insurance websites? Thanks Fiona""
Is there a big differents in the price of car insurance?
hi is there a big differents in the price of car insurance between a mini copper and a mini one for a first car for a 17 year old
Will insurance cover a new windshield/ price of windshield?
i have 3 big cracks in my windshield and it's going to bust soon if i don't get it fixed. does car insurance cover that? and if not, how much would it cost? its a 2005 ford focus""
""How much extra does it cost on your car insurance to use your car in your job, such as delivery driver in UK?""
How much extra does it cost on your car insurance to use your car in your job, such as delivery driver in UK?""
As a sixteen year old guy would a hyundai tiburon jack my insurance?
im about to get my first car. parents are worried that it will jack the insurance because they think it might be a sports car
Do i need full insurance if I finance a car?
I have 2500 I want to put down on a car that cost 5000 Do I need full insurance? I live in NY
Are there any insurance companies that will cover pregnancy in texas?
I am 7w4d pregnant and without health insurance. I have been getting check-ups at a local clinic but I really need to find a doctor. I have not found an insurance policy that will cover maternity costs though. I've heard Medicaid has strict eligibility and is almost impossible to get if the dad is present in the baby's life,which in my situation he will be. Does anyone know of ANY insurance policies that will cover pregnancy?""
If i get a cheap car will my insurance be cheaper or more expensive?
i have a car that i can have given to me it is about 5 years old but cant aford the first years car insurance out right if i sell it and gt a cheaper car will the insurance be cheaper or more expensive because it is an older car? i say this because if so i can sell the car i have and use the money left over to pay for the first ears car insurance. p.s i am a teenage driver which is why im trying to save as much money as i can!
Does queensland comprehensive car insurance include ctp?
i'm very confused! currently have my car registered and insured at my victorian address, need to change it all over to queensland and am completely clueless about ctp. please help!
Is there a grace period where you don't need insurance after you get your drivers license?
I'm getting my license tomorrow (as long as i pass the test) but I'm not sure when we have time to go to the insurance office to get my name added. The vehicle is insured. Is ...show more
Best Car Insurance For A 15 1/2 Year Old In California?
Im Turning 15 1/2 Soon, And Im Ready To Take Drivers Ed And Drivers Training.. And I Need I To Find Insurance, That IS CHEAP, I Cant Spend That Much Per Month On Insurance. My Parents Car Insurance Which Is AAA.. Only Insures Drivers Over The Age Of 21 Or Something Like That. I Just Need To Know What Insurance Is Cheapest For Me?.. And Is There Insurance What Insures Me For Whatever Car I Drive? Do I Need To Get Insurance On Every Car I Drive.""
What is a cheap good health insurance company in CA?
hi im 15 years old and i need health insurance for sports and i also need doctor check ups and dental maybe even eye check ups, my parents and i cannot find a company that is cheap and just for me. what is a cheap but good company to go with for health insurance in california?""
Is there any good insurance companys that will insure me for a 200sx turbo i am 20?
20 years old with convictions and a high performance car, this is my second high performance car my evo was 3475 last year need it cheaper this year ,all i basically work for is to run my car, the thing is when i got the evo instead of looking around i was tht deprate to drive it i took the 1st quote, never crashed and have plenty no claims ,can some one help? none of these comparison websites are any good there all large companys i need japanese specialists or young drivers insurance thanks all! x""
For a 19 yr old what is the best and cheap insurance in los Angeles?
I live in los angeles and the car insurance companies wants me to pay 300.00 dollars every month and thats to much for me.
At what point does an insurance company own your car when it is stolen?
I live in the state of California and my car was stolen. I was paid out for it by my claims adjuster, but the paperwork is still in the process of being transferred from my name to the insurance company's name. Is the car relinquished? If it gets found, am I liable for towing expenses, etc and is it legally still mine?""
Is Bristol West Insurance a good company?
I am looking to change my insurance company and got a really good quote on insurance, but it's seems a bit too good. Does anyone have any information regarding this company? I found them through Farmers Insurance Group.""
Car Insurance question....?
Ok, so I'm 24 about to turn 25(apparently that's when your taken out of the pool , or so I've heard, which means my rates should lower.) However my insurance will expire before I turn 25, and there will be about a 3 month gap between those dates. I was wondering if I could get car insurance to cover those 3 or so months, or would I have to buy a 6 month and then get another quote later?""
What is the cost of an insurance for a 250 cc scooter? (Louisiana)?
I know that there are many options, but a vague answer is fine. I just want to know if it will be around 100$ or 500$.""
Insurance Cost for a 1966 mustang convertible in mint condition?
I'm curious how much, on average, would insurance cost for an 18 year old male driving a 1966 mustang convertible in mint condition be? And if you could explain why too that'd be awesome thanks! :)""
Auto insurance for teens?
OK so i will be getting my license in around 2 months. So i have began to look for cars. My parents and i have decided to cut the cost 50/50. But my question is what do i do about insurance? Do i go onto their plan? My dad doesn't want to buy a car yet cause he doesn't want to have to pay for the insurance as soon as we buy the car. I do want to buy the car somewhat soon so that i could practice with it for my driving test. So could someone just explain how we should go about getting insurance? Should we put the car under my parent's plan and will it be very expensive? (I live in NJ btw) Thanks!
Is there any website where I can look up insurance rates for every car??
just want to see which cars are expensive to insure and which cars are cheaper. I just want a list like highest to lowest. I don't need specific rates.
How much is car insurance for a 17 year old female?
how much is car insurance per month or year? i have a 1995 model volvo. how much would it be when im 18? i had my license since i was 16 1/2.
How much would it cost to get the implanon removed at planned parenthood but with no insurance?
I have had it for almost 2 years and it bothers me so much! I get really bad side affects from this stupid thing and I want it out ASAP!
Should I cancel my car insurance policy?
So long story short -- I totaled my car in an accident which was my fault back in December, and unfortunately did not have collision coverage on my insurance policy. I am a full-time student and have been unable to afford purchasing another car since then, and do not know when I will be able to afford another car. Although I am now without a vehicle I have been reluctant to cancel my insurance policy because I was told that if I did, whenever I purchased another car and had to buy insurance again the price of it would skyrocket because I would be considered high risk for having a chronological gap in my coverage. So basically I am currently paying $80 a month for car insurance when I do not even have a car, just to avoid having it go up even more at some point in the unknown future after I buy another car. Is this worth it or would it be wiser to just go ahead and cancel my policy? I would like to get some other people's counsel on this who know more about car insurance and who are more financially competent than I am. Thanks so much.""
Bike Insurance?
I am looking to buy either a 250cc or 500cc Ninja bike. What are the insurance rate like for these bike compared to other bike and compared to cars?
How much would car insurance cost ?
I'm an 18 year old male that just got my license but I'm wondering how much would car insurance cost monthly since I'm a new driver what's the cheapest it can get too ?
I just got pulled over for not having my seat buckle on and I'm wondering how much my insurance will go up?
This is the first time I've EVER been pulled over and I've had my license for a little over a year now. I get good grades and all that stuff so my insurance is pretty low for the average person right now. I'm wondering how much my insurance will go up? SOMEONE HELP! Kinda freaking out here. :p
If i cahnge car insurance after 7 days of getting it due i have to pay the full amount??
Heres the deal i got a car and put safe auto on it. i then wrote the postdated check for 7 days from then. well today (5 days after getting my car) i found a lot cheaper insurance. CAn i canel the saufe auto and not have to pay the full amounnt??? or do iahve to essentially pay 2 full months of car insurance????
""Find the total monthly payment, including taxes and insurance?""
Mortage: 72,890 Interest Rate: 5.5% Term of Loan: 15 years Annual Taxes:$1850 Annual Insurance: $545""
Who has cheapest auto insurance rates in ontario?
Who has cheapest auto insurance rates in ontario?
Cheapest Auto insurance?
Cheapest Auto insurance?
Child only health insurance?
I have done some research and haven't been able to find any decent child only insurance. My daughter is four months old, and we are looking to insure her in the state of Connecticut. What insurance companies supply insurance for just her? Thanks!""
What to do when the other person doesnt have car insurance?
Back in December a friend of mine backed into my car while drinking. he did not have insurance and still does not. i told him i wouldnt do anything as long as he fixed the dent. he has still yet to fix and is trying to get away with not fixing it. what should i do? small claims court?
What is the cheapest/best car insurance and car for a newly licensed driver in MA?
What would be the best and cheapest type of car and car insurance to get for someone who just received their license?
Does queensland comprehensive car insurance include ctp?
i'm very confused! currently have my car registered and insured at my victorian address, need to change it all over to queensland and am completely clueless about ctp. please help!
https://www.linkedin.com/pulse/car-insurance-cost-i-want-only-3-months-zerneisen-sasha"
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rebeccahpedersen · 7 years
Text
Offer Presentation “Do’s” & “Don’ts”
TorontoRealtyBlog
Ten years and two-thousand blog posts, and I don’t think I’ve ever covered this topic before.
After being part of a very strange offer presentation last night, I thought long and hard about how the process “should” play out, and how it almost never does.
There should be a basic set of principles every listing agent adheres to during an in-person offer presentation, and believe it or not, it would almost always help the seller…
I had an interesting experience the other night.
I was presenting an offer on a freehold property in the east end, in competition with four other offers, and offers were being reviewed with the sellers and the listing agent, at the house.
Having registered my offer first, I was first to present.
Often when you’re 9th of nine offers, the listing agent might say, “We’ve already seen eight offers, so excuse us if we go through this a bit faster,” and then proceed to look at the negotiable points, smile, thank you, apologize again for the expediency, and thank you once more.
When you’re the first offer to present, it’s often the opposite.
Sometimes the listing agent will take this as an opportunity to read every single word on the page, or at the very least, read every single clause and pertinent detail.
Quite often, a listing agent will run through the boiler-plate offer in advance of presentations, so that the seller understands what to expect.  And the agent will read through the listing brokerage’s “Schedule B,” which every buyer agent will present, so that they don’t have to read through it once offers are being presented.
My experience the other night was nothing of the sort.
It was bizarre.
I was asked to sit down in the living room, and the agent said, “We’re doing this really informally, have a seat.”
I took two copies of my offer out of a folder, and said, “Well, this is your show, so let me give you these, and please proceed as you wish.”
The agent then took one copy of the offer, and started to flip through it.  He buried his head down, and said nothing to me, or my clients.
I found it odds, and borderline awkward, so to kill the silence I began talking about my clients, and how much they liked the house.
The agent said nothing.
He just kept reading.
I conversed with the sellers, as the agent kept reading, maybe once or twice he muddled something like, “…..this is good,” and the whole “presentation” itself took no more than sixty seconds.
Amazingly, the agent looked up and said, “Alright, great, yeah, thanks so much for the offer.”
Then he stood up.
I was so confused, but I didn’t want to draw attention to what had just happened, so I stood up as well, shook his hand, took back one of my two copies (as is the custom), and shook the sellers hands as well.
So by, “What had just happened,” do you follow?  Do you see what went wrong here?
He never read ANY of the offer to his clients!
As I walked out the door, I realized they were in the dark!  They had no clue what the offer was!
This guy just sat there, reading to himself, and never once read a single term of the offer to his clients, who were sitting right next to him.
I’ve probably been in 500 offer presentations, and I’ve never experienced this before.
You would think that the agent would say, “We have an offer here for $1,750,000, with a $100,000 deposit, closing on February 21st, etc., etc., etc.”
Maybe he doesn’t want to start with, “We have today’s date – yes, this is the 21st of November, correct, and this is Dick Smith & Jane Smith, yes, this is the correct spelling of your names, and this is 123 Smith Street, legal description PT LT 204, PL 209, City of Toronto, etc.,” but for the love of God, at least tell your clients what price the buyers are offering!
I thought long and hard about the process as I drove back to my office, and as much as I wanted to give the agent the benefit of the doubt, and discover a way in which this was his “process,” I realized, that he simply had no clue what he was doing.
Then I looked him up in IMS, and saw that he’s done 6 deals in the last 12 months, but he’s never had a listing in Toronto.
Go figure.
The process got me thinking: what should an offer presentation look like?
There are many different ways that the process can play out.
For starters, the listing agent might elect to review offers via email, or there might be in-person presentations.  Those in-person presentations could be at the property, at the brokerage, with or without the sellers and/or family, lawyers, etc., and the time could be day or night.
Anything goes.
But when offers are in person, and are in front of the sellers, I do believe there’s a way to go about the process.
As I’ve said, every listing agent is free to proceed as he or she chooses.
But I’ve compiled a list below of actions the agent should take, or questions the agent should ask, as well as why.
1) Ask about the buyers.
Have some common decency.
Yes, the be-all, and end-all, is money.
Unless you’re reading some one-in-a-million personal interest story in the Toronto Star where a home-seller picked a bidder representing a much lower offer, simply because they had a “connection” with that buyer.  But the other 999,999 times out of one million, the winner is going to have the best price.
But how do you get to the best price?
It’s not so cut and dry.
Emotions run high in any property purchase, and offer presentation.  Both the buyers, and the buyer agent, can change their minds or act a certain way based on the emotion involved, or what they’re reading into the situation.
The buyer agent’s job is to “read the tea leaves.”  His or her job is also to remain calm, and take emotion out of the situation.  I’ve personally witnessed buyer agents pop off for various reasons, give too much information, refuse to give information when asked that has no downside, and make a host of different mistakes.
I believe that the very first order of business (after pleasantly thanking the buyer agent for being there) should be to simply ask, “Can you tell me a little bit about your buyers?”
Just as the buyer agent doesn’t want to offend the sellers or the listing agent, the listing agent should avoid insulting the buyer agent by demonstrating that he or she couldn’t possibly care less about the buyers.
There are people out there that care who buys their home.  And whether the sellers are, or aren’t, those people, you want to at least give the impression that they are.  You want the buyer agent to feel at ease, feel like he or she is being respected and valued, and that you want to hear a few quips about the buyers.
“Their names are Mike and Jane, they’re first-time-buyers, they really want to know where you got that sofa….”
It’s simple, it takes maybe 60-seconds, and it’s harmless.
I think it’s a huge mistake to just take the offer in your hands, and start reading it.
“Kill them with kindness.”
“You catch more flies with honey.”
However you want to describe it, you need to start the process out on the right foot.
2) Tell the agent if you plan on going through the offer quickly.
As I alluded to above, there’s nothing wrong with this.
In fact, in the interest of time, a listing agent should go through the “Schedule B” with the seller before looking at any of the offers.
But once the buyer agent sits down, if you want to blow through the offer, just tell them!
“Thanks Jake, your buyer-clients sound like really nice people.  So we’ll take a look at the offer now, and, as you know, we’ve already seen seven of these, so forgive us if we whip through this, but my sellers basically have this memorized by now…”
That took, what, eleven seconds to say?
The theme here is respect, on both sides.  Just as the buyer agent doesn’t want to piss of the listing agent, the listing agent should make sure the buyer agent is kept informed with everything that’s going on, feels good about the process, and feels like the process is professional.  If buyer agents think the process is fair, they’re more likely to advise their clients to be aggressive.
3) Don’t just look at the price, and move on.
The theme continues.
It’s rude.  It’s that simple.
And while some of you cynics might suggest that you should call a spade a spade, I’m telling you from experience, buyer agents are emotional, and every agent has an ego.  I’ve seen buyer agents feel disrespected, and tell their clients, “Screw this.”
4) Ask about the buyers’ financing.
Now we’re past the whole “respect” angle, and into doing your job.
You would be shocked how few listing agents ask about buyers’ ability to actually obtain financing, and/or close the transaction.
Whenever I have buyers from the United States, they all ask the same question: “What type of proof of income or financing do you need to accompany the offer?”
And boy oh boy are they ever confused when I answer, “None.”
They’ll ask, “So…how does the seller know that I’m qualified financially to be making this offer, or to be closing this deal in four months?  All I’ve done so far is bring a cheque for five percent of the purchase price.”
And I reply, “What can I say?  This is the way real estate is bought and sold in Toronto.”
I always ask buyer agents an open-ended question, “Tell me about your buyers’ financing situation.”
From there, you’ll get any number of answers.
Some buyer agents tell you everything right down to the clients’ SIN number.
Others think there’s something awry, and won’t provide any information.
The right response would likely be, “What do you want to know?”
As a listing agent, I’d like to know if the buyers have a current pre-approval, and for what purchase price (then I know if they’re likely to increase their offer, if need be), as well as what percentage they have for a down payment.
I want to know if they need CMHC insurance.
I want to know if the “partner” in this deal is somebody that can close, or not.
In the spring, nobody asked these sorts of questions.
Today, on the buy-side, I’m getting asked maybe 40% of the time.
5) Ask if the buyers have something to sell.
This goes hand-in-hand with the above.
If the buyers are looking to purchase a $1,000,000 property, and they have a $50,000 deposit cheque in hand, where are they getting the other $150,000?  Do they need to sell a condo?
If they do, I want to know where it is.
What’s it worth?  What building is it in?  How easy or tough will it be to sell?
In order to get a bridge loan for a purchase, a buyer, using equity from the sale of an existing property, needs to have that property sold firm.
So if the proposed closing date on the house purchase is 30 days, do I think they can get their condo sold firm in 25-26 days to avoid a scramble before closing?
6) Ask if this is the buyers’ best offer.
Does this sound greedy?
Am I being hypocritical, because I call out greed when I see it, and yet I’m suggesting a listing agent should ask this question before all offers are being presented?
No, this is about something different.
This is about understanding how the buyers and the buyer agent arrived at the price they have on the offer in hand, and whether or not they’re being “strategic.”
I always tell my buyers, “Don’t hold anything back for a ‘second round’ as you don’t know one is coming.  Not only that, you’d rather ‘win’ outright on the first shot, then get into a second round of bidding with multiple buyers, who might throw the boat and beat you.”
But what do other agents do?
Every agent provides different advice.
And as a listing agent, I ask, “Is this the buyer’s best offer?” because I want to know if they’re holding anything back, or trying to play a game they shouldn’t be playing at the onset.
The house is listed at $899,900, and this agent is offering $950,000, up against six other offers.
“Is this the buyer’s best offer?”
“No, it’s not, we assumed there would be a second round.”
Well then what is this offer on the table in front of me?  Is it an appetizer?  A minor flirtation?
Why don’t you call your clients, and put your “real” offer on the table.
That buyer agent is free to do as he, and the clients, please.  But more often than not, they’re shooting themselves in the foot by playing games.  Properties are not won in this market by offering less than you’re actually willing to pay, in competition.
So sometimes, it’s the listing agent’s job to ask a simple question: is this your buyer’s best offer?
Having read this through now, you might be asking, “What then should the buyer be doing, asking, or saying?”
The buyer agent’s job is simple: don’t piss off the listing agent.
Hand over the offer, and let the listing agent present as he or she sees fit.
Watch the eyes, hands, lips, and the table is made of glass – those tapping toes, of the sellers, and try to get a read.
But the worst mistake a buyer agent can make: try to take control of the table.
There’s nothing worse than a buyer agent who holds the offer in his hands, talks as he sees fit, and then reads the offer to the seller like a bedtime story.  The listing agent should feel as though he’s in the driver’s seat.
Call it ego.  Call it arrogance.  Call it control.
I call it common sense.
The post Offer Presentation “Do’s” & “Don’ts” appeared first on Toronto Real Estate Property Sales & Investments | Toronto Realty Blog by David Fleming.
Originated from http://ift.tt/2zWkROO
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rebeccahpedersen · 7 years
Text
Offer Presentation “Do’s” & “Don’ts”
TorontoRealtyBlog
Ten years and two-thousand blog posts, and I don’t think I’ve ever covered this topic before.
After being part of a very strange offer presentation last night, I thought long and hard about how the process “should” play out, and how it almost never does.
There should be a basic set of principles every listing agent adheres to during an in-person offer presentation, and believe it or not, it would almost always help the seller…
I had an interesting experience the other night.
I was presenting an offer on a freehold property in the east end, in competition with four other offers, and offers were being reviewed with the sellers and the listing agent, at the house.
Having registered my offer first, I was first to present.
Often when you’re 9th of nine offers, the listing agent might say, “We’ve already seen eight offers, so excuse us if we go through this a bit faster,” and then proceed to look at the negotiable points, smile, thank you, apologize again for the expediency, and thank you once more.
When you’re the first offer to present, it’s often the opposite.
Sometimes the listing agent will take this as an opportunity to read every single word on the page, or at the very least, read every single clause and pertinent detail.
Quite often, a listing agent will run through the boiler-plate offer in advance of presentations, so that the seller understands what to expect.  And the agent will read through the listing brokerage’s “Schedule B,” which every buyer agent will present, so that they don’t have to read through it once offers are being presented.
My experience the other night was nothing of the sort.
It was bizarre.
I was asked to sit down in the living room, and the agent said, “We’re doing this really informally, have a seat.”
I took two copies of my offer out of a folder, and said, “Well, this is your show, so let me give you these, and please proceed as you wish.”
The agent then took one copy of the offer, and started to flip through it.  He buried his head down, and said nothing to me, or my clients.
I found it odds, and borderline awkward, so to kill the silence I began talking about my clients, and how much they liked the house.
The agent said nothing.
He just kept reading.
I conversed with the sellers, as the agent kept reading, maybe once or twice he muddled something like, “…..this is good,” and the whole “presentation” itself took no more than sixty seconds.
Amazingly, the agent looked up and said, “Alright, great, yeah, thanks so much for the offer.”
Then he stood up.
I was so confused, but I didn’t want to draw attention to what had just happened, so I stood up as well, shook his hand, took back one of my two copies (as is the custom), and shook the sellers hands as well.
So by, “What had just happened,” do you follow?  Do you see what went wrong here?
He never read ANY of the offer to his clients!
As I walked out the door, I realized they were in the dark!  They had no clue what the offer was!
This guy just sat there, reading to himself, and never once read a single term of the offer to his clients, who were sitting right next to him.
I’ve probably been in 500 offer presentations, and I’ve never experienced this before.
You would think that the agent would say, “We have an offer here for $1,750,000, with a $100,000 deposit, closing on February 21st, etc., etc., etc.”
Maybe he doesn’t want to start with, “We have today’s date – yes, this is the 21st of November, correct, and this is Dick Smith & Jane Smith, yes, this is the correct spelling of your names, and this is 123 Smith Street, legal description PT LT 204, PL 209, City of Toronto, etc.,” but for the love of God, at least tell your clients what price the buyers are offering!
I thought long and hard about the process as I drove back to my office, and as much as I wanted to give the agent the benefit of the doubt, and discover a way in which this was his “process,” I realized, that he simply had no clue what he was doing.
Then I looked him up in IMS, and saw that he’s done 6 deals in the last 12 months, but he’s never had a listing in Toronto.
Go figure.
The process got me thinking: what should an offer presentation look like?
There are many different ways that the process can play out.
For starters, the listing agent might elect to review offers via email, or there might be in-person presentations.  Those in-person presentations could be at the property, at the brokerage, with or without the sellers and/or family, lawyers, etc., and the time could be day or night.
Anything goes.
But when offers are in person, and are in front of the sellers, I do believe there’s a way to go about the process.
As I’ve said, every listing agent is free to proceed as he or she chooses.
But I’ve compiled a list below of actions the agent should take, or questions the agent should ask, as well as why.
1) Ask about the buyers.
Have some common decency.
Yes, the be-all, and end-all, is money.
Unless you’re reading some one-in-a-million personal interest story in the Toronto Star where a home-seller picked a bidder representing a much lower offer, simply because they had a “connection” with that buyer.  But the other 999,999 times out of one million, the winner is going to have the best price.
But how do you get to the best price?
It’s not so cut and dry.
Emotions run high in any property purchase, and offer presentation.  Both the buyers, and the buyer agent, can change their minds or act a certain way based on the emotion involved, or what they’re reading into the situation.
The buyer agent’s job is to “read the tea leaves.”  His or her job is also to remain calm, and take emotion out of the situation.  I’ve personally witnessed buyer agents pop off for various reasons, give too much information, refuse to give information when asked that has no downside, and make a host of different mistakes.
I believe that the very first order of business (after pleasantly thanking the buyer agent for being there) should be to simply ask, “Can you tell me a little bit about your buyers?”
Just as the buyer agent doesn’t want to offend the sellers or the listing agent, the listing agent should avoid insulting the buyer agent by demonstrating that he or she couldn’t possibly care less about the buyers.
There are people out there that care who buys their home.  And whether the sellers are, or aren’t, those people, you want to at least give the impression that they are.  You want the buyer agent to feel at ease, feel like he or she is being respected and valued, and that you want to hear a few quips about the buyers.
“Their names are Mike and Jane, they’re first-time-buyers, they really want to know where you got that sofa….”
It’s simple, it takes maybe 60-seconds, and it’s harmless.
I think it’s a huge mistake to just take the offer in your hands, and start reading it.
“Kill them with kindness.”
“You catch more flies with honey.”
However you want to describe it, you need to start the process out on the right foot.
2) Tell the agent if you plan on going through the offer quickly.
As I alluded to above, there’s nothing wrong with this.
In fact, in the interest of time, a listing agent should go through the “Schedule B” with the seller before looking at any of the offers.
But once the buyer agent sits down, if you want to blow through the offer, just tell them!
“Thanks Jake, your buyer-clients sound like really nice people.  So we’ll take a look at the offer now, and, as you know, we’ve already seen seven of these, so forgive us if we whip through this, but my sellers basically have this memorized by now…”
That took, what, eleven seconds to say?
The theme here is respect, on both sides.  Just as the buyer agent doesn’t want to piss of the listing agent, the listing agent should make sure the buyer agent is kept informed with everything that’s going on, feels good about the process, and feels like the process is professional.  If buyer agents think the process is fair, they’re more likely to advise their clients to be aggressive.
3) Don’t just look at the price, and move on.
The theme continues.
It’s rude.  It’s that simple.
And while some of you cynics might suggest that you should call a spade a spade, I’m telling you from experience, buyer agents are emotional, and every agent has an ego.  I’ve seen buyer agents feel disrespected, and tell their clients, “Screw this.”
4) Ask about the buyers’ financing.
Now we’re past the whole “respect” angle, and into doing your job.
You would be shocked how few listing agents ask about buyers’ ability to actually obtain financing, and/or close the transaction.
Whenever I have buyers from the United States, they all ask the same question: “What type of proof of income or financing do you need to accompany the offer?”
And boy oh boy are they ever confused when I answer, “None.”
They’ll ask, “So…how does the seller know that I’m qualified financially to be making this offer, or to be closing this deal in four months?  All I’ve done so far is bring a cheque for five percent of the purchase price.”
And I reply, “What can I say?  This is the way real estate is bought and sold in Toronto.”
I always ask buyer agents an open-ended question, “Tell me about your buyers’ financing situation.”
From there, you’ll get any number of answers.
Some buyer agents tell you everything right down to the clients’ SIN number.
Others think there’s something awry, and won’t provide any information.
The right response would likely be, “What do you want to know?”
As a listing agent, I’d like to know if the buyers have a current pre-approval, and for what purchase price (then I know if they’re likely to increase their offer, if need be), as well as what percentage they have for a down payment.
I want to know if they need CMHC insurance.
I want to know if the “partner” in this deal is somebody that can close, or not.
In the spring, nobody asked these sorts of questions.
Today, on the buy-side, I’m getting asked maybe 40% of the time.
5) Ask if the buyers have something to sell.
This goes hand-in-hand with the above.
If the buyers are looking to purchase a $1,000,000 property, and they have a $50,000 deposit cheque in hand, where are they getting the other $150,000?  Do they need to sell a condo?
If they do, I want to know where it is.
What’s it worth?  What building is it in?  How easy or tough will it be to sell?
In order to get a bridge loan for a purchase, a buyer, using equity from the sale of an existing property, needs to have that property sold firm.
So if the proposed closing date on the house purchase is 30 days, do I think they can get their condo sold firm in 25-26 days to avoid a scramble before closing?
6) Ask if this is the buyers’ best offer.
Does this sound greedy?
Am I being hypocritical, because I call out greed when I see it, and yet I’m suggesting a listing agent should ask this question before all offers are being presented?
No, this is about something different.
This is about understanding how the buyers and the buyer agent arrived at the price they have on the offer in hand, and whether or not they’re being “strategic.”
I always tell my buyers, “Don’t hold anything back for a ‘second round’ as you don’t know one is coming.  Not only that, you’d rather ‘win’ outright on the first shot, then get into a second round of bidding with multiple buyers, who might throw the boat and beat you.”
But what do other agents do?
Every agent provides different advice.
And as a listing agent, I ask, “Is this the buyer’s best offer?” because I want to know if they’re holding anything back, or trying to play a game they shouldn’t be playing at the onset.
The house is listed at $899,900, and this agent is offering $950,000, up against six other offers.
“Is this the buyer’s best offer?”
“No, it’s not, we assumed there would be a second round.”
Well then what is this offer on the table in front of me?  Is it an appetizer?  A minor flirtation?
Why don’t you call your clients, and put your “real” offer on the table.
That buyer agent is free to do as he, and the clients, please.  But more often than not, they’re shooting themselves in the foot by playing games.  Properties are not won in this market by offering less than you’re actually willing to pay, in competition.
So sometimes, it’s the listing agent’s job to ask a simple question: is this your buyer’s best offer?
Having read this through now, you might be asking, “What then should the buyer be doing, asking, or saying?”
The buyer agent’s job is simple: don’t piss off the listing agent.
Hand over the offer, and let the listing agent present as he or she sees fit.
Watch the eyes, hands, lips, and the table is made of glass – those tapping toes, of the sellers, and try to get a read.
But the worst mistake a buyer agent can make: try to take control of the table.
There’s nothing worse than a buyer agent who holds the offer in his hands, talks as he sees fit, and then reads the offer to the seller like a bedtime story.  The listing agent should feel as though he’s in the driver’s seat.
Call it ego.  Call it arrogance.  Call it control.
I call it common sense.
The post Offer Presentation “Do’s” & “Don’ts” appeared first on Toronto Real Estate Property Sales & Investments | Toronto Realty Blog by David Fleming.
Originated from http://ift.tt/2zWkROO
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