#it Doesnt help that i know 90% of what to expect out of these events. u'd think it would. but no.

[wetpapert0wel]

waaaah i wanna play more voices of the void but its scary scary scary

[channnel]

Okay, so- My drawing of Jules is nearly done BUT my hand hurts from drawing the flowers and my eyes hurt cause I've been staring at my tab for a week and my back's a banana now.

So, since I haven't posted some actual art in this blog- Here are my random headcanons of the brothers in My Dear hatchet man. This is purely fan-made, alright? I'm bored and this headcanons have been in my mind for months.

Claude

Claude fully knows that he looks good in dark colors and will not wear any other hues even if you paid him. Even if it's summer, he will still wear dark clothes.

The type of man that will glare down a kid in public if the kid is being a little shit (Same goes to the parent).

Claude would stare at wall for long minutes before answering a call from Jules.

Will judge Jules' healthy eating diet despite having the same exact diet.

The type of guy that hates being treated differently because he's handsome but also often uses the same treatment to get what he wants.

Nobody in his workplace know who he is. Nobody knows where he lives, nobody knows if he has any family- pretty sure that most of his ex-partners doesn't even know that he got younger brothers, and so on, and so forth. They just knew that Claude is a rich, good-looking photographer with a French accent.

Believes that Alan is probably working in an organized crime, he watches the news just in case Alan's name come out... Same goes to James.

Jules

Use filters, stickers and quotes in all of his social media post.

90% of what he says are all passive-aggressive and he genuinely thinks that he helps people.

Probably has a bit of a hoarding problem.

Would judge James' DIY hobby despite also doing it.

The type that would watch a kid being a little piece of shit and would promptly tell the nearest person where their parents at and judge their parenting style. same thing goes with noisy pets in public.

Would give Claude fruit bouquet everytime they meet cause Jules know damn well that Claude can't throw it out and will be force to appreciate and eat Jules' gift so it will not rot.

Would say to others that Alan simply move away and that they haven't talked for a long time. His neighbors and friends probably believed that Jules' younger brother is simply living in a cottage with a bunch of dogs and cats. Would also say made-up stories of Alan if his neighbors asked more before promptly shutting it down.

Alan (Honestly, I don't have much headcanons on the two younger bros)

Will recite the full script of any classic horror movie in rapid succession, filled with actions and diy sound effects. If it's night time, then get ready for him to shout out every words.

Still uses Canadian terms rather than the American one.

Sometimes wonder if he looks cool using other types of weapons instead of a hatchet. Knows a lot of trickshots with his hatchet.

Doesnt like statues.

knows every domestic dogs and cats in Doomsbury, he even has his own names for them and he probably knows the pets even more in a spiritual level.

is also the type that would glare down a kid if they're being an annoying piece of shit, and immediately disappear if the kid starts crying.

In college au, I like to headcanon that not only did the boss in that AU gave him a scholarship- but also hide an unfortunate event between Alan, a hatchet, and some guy.

James

⬆️That's him everytime he argued with someone, lost a friend, or had another break up.

Believes that Alan is now living in a forest away from society, which is somewhat accurate. Often thinks about Alan a lot, and wonder if he's doing okay after the incident- doesn't hide away the fact that Alan ran away and will tell what actually happened to very, very close friends of his.

The type of guy that would deliberately trip a kid in public without the parents noticing- especially if the kid is being a little shit.

"Shit, I accidentally have way too much fun solving those problems in my exam and now my brothers are gonna expect better from me" Got immediately accused of cheating.

Saw his two older brothers years after the incident but was disappointed to see that they haven't changed, so he doesn't talk to them nor accept Jules' multiple invites. Ended up changing his number after some time, did not regret about it.

Always give himself a pep talk everytime he woke up.

Can efficiently argue with someone in fluent sign language without pause, Style all of his clothes on his own, has wrote numerous songs in his guitar, very good at Parkour, and he can juggle three crowbars.

Dixon Dallas, Good lookin.

And that's all folks.

[violentviolette]

My bad if you've already answered this, but how do you go about not masking around those you consider/want to be truly important people? Like, it seems in my head difficult to go from "polite friendly person who is clearly mentally average and a nice chap" to "Hi names JoeBob, actually I literally cannot properly care about anyone you care about to the extent I know you want, and honestly can't quite care about you to that extent either, wanna be homies? Oh also I've faked like 90 percent of any emotion of showed you, have fun reassessing everything," ya dig?

generally speaking, i dont mask socially in environments where i might make friends in order to just avoid this issue entirely. so like, i mask at work and at family functions, but if i go to hangout with new people or to an event and the intention is to make actual friends, i just dont mask from the start. i feel that helps mitigate a lot of annoyance and also helps to quickly identify people who i know will understand and respect my limitations but if ur in a situation where u met someone while masking but now want to get closer to them and unmask, then its easiest to do it gradually and just be very upfront but not rude. like i think a lot of people underestimate how much word choice can help make a situation less awkward. cause like saying "i cant and will never care about u but lets be friends" is obviously never going to go over well and isnt even very true or accurate in the first place. but phrasing it not so hostile or aggressively is a lot more reasonable, something like "im not a very emotional or emotive person by nature, but people dont really react kindly to that so i tend to overperform emotions when i first meet someone. but once im more comfortable with ppl i tend to mellow out and show way less. it doesnt mean i suddenly hate u, im just getting more comfortable and being more true to my actual self" or stuff like "i dont really have the capacity to care deeply about people i dont know, and even ones i do know and care about, my feelings never reach as deep a place as other peoples. that doesnt mean i dont respect and like u or that i'll suddenly start treating u poorly. its just that my care is going to look very differently from a nuerotypical person"

its really just dozens and dozens of small conversations about urself where u dont lie about it. its an ongoing conversation. usually these kinda come up naturally when ur getting closer to people and learning more about eachother. but u can also sit someone down and have a more formal conversation. like "hey so ive got some stuff going on with my brain, heres how it works and what i am and am not capable of. i like to be upfront about it with people i wanna get closer to so there arent misunderstandings or hurt feelings when i dont react or respond the way ppl expect. i think ur really cool/fun/ect. and i wanna get closer and become better friends so i wanted to have this conversation so we could understand eachother better and i can be more authentic with u going forward"

the biggest thing imo is to frame it from a positive place because it is a positive thing. u respect and like this person, theyre important to u and u want to be genuine with them so that u can get closer in a real and healthy way. but u also need to be true to urself and ur own limitations in order to do that. and so coming at the conversations from that place usually helps a lot. and if the other person is chill and a geuine friend, usually they understand and they work with u. they respect where ur boundaries are and understand what u cant give, while appreciating and enjoying what u can together.

[todayisafridaynight]

No you're right, the file naming system helped a great deal in terms of being able to verify ages and certain events on the timeline (even some minor characters like Ushio have them, which is neat). Because like, Hoshino does specify in-game that Arakawa was 14 when he killed Toshio, but without a year that's not exactly helpful...

You normally have to do a lot of mental gymnastics to figure out Arakawa's age, to the point the only official profile that listed his age was wrong, so it was a HUGE find to have those straightforward numbers at the time (even if they aren't 100% accurate; Jo probably shouldn't be 21 with how Yokoyama says he ages his characters by year without setting birth dates, and Arakawa's 25 model is used for more scenes where he's not 25, But You Know).

#whats interesting is that arakawa's 90's-2000 model doesnt have an age attached to it. dont ask a woman her age ig idk <- this killed me but it also reminds me they did this unironically with Saeko

Actually wait forget the entire rest of this ask I wanna talk about what was going on with these profiles... they were SoA exclusives... but like girl... wrong age (he's 62 not 63)... favorite food is To Be Fair Something He Talks About LIKE It's His Favorite but is still a dish he's only had once in his lifetime... no hobbies or special abilities... trying to sassily sidestep not knowing Saeko's age... inability to decide whether to present alcoholism as a hobby or favorite food... ONLY Adachi having a disliked food...

Nanba and Ichi's are okay though :) but these crushed my soul for real if you can't trust a character profile what can you trust😭

Anyway If Nothing Else I hope you enjoy these relics :) I'm gonna go write in about stuff I forgot to mention before bye

leaving rn i totally forgot hoshino says arakawa's age BYE is it evident i havent watched the cutscenes outside of the arakawa family in a hot minute. cause its been A Hot Minute

jo's model being labeled 21 did make me scratch me head tho so im glad im not insane for thinking it was a Questionable label (even if i expected myself to be wrong about SOMETHING in that post anyway LMAO)

the official bios are gutting me tho like yeah i GUESS alcoholism is a hobby but im sure bestie has more than that.... like her age..... cmon now...

[hohoz]

The ones that suffer the most

I wanted to talk about this for a long time.

I’m a Resident evil addicted, I finished almost every RE game released and I must say that Capcom made some poor choices regarding Jill and Chris, they are EASILY the most mistreated characters in RE Franchise. 

But let’s explain why is that: 

Jill and Chris are survivors, they had to survive in a mansion with a lot of puzzles and zombies, while looking for items that could help them to progress and find a way to reach Brad. 

When they arrive at STARS Office, they are revolted that Umbrella did all that under their noses and innocents were dying because of that and they explained EVERYTHING in a report - but Irons made that go away. 

In the ORIGINAL RE3 we had this special file (Jill’s Diary) 

August 7th Two weeks have passed since that day. My wounds have been healed, but I just can't forget it. For most people, it's history now. But for me, whenever I close my eyes, it all comes back clearly. Zombies eating people's flesh and the screams of my teammates dying. No, the wounds in my heart are not healed yet...

August 13th Chris has been causing a lot of trouble recently. What's with him? He seldom talks to the other police members and is constantly irritated. The other day, he punched Elran of the Boy's Crime department just for accidentally splashing Chris's face with coffee. I immediately stopped Chris, but when he saw me he just gave me a wink and walked away. I wonder what happened to him...

August 15th Midnight. Chris, who has been on a leave of absence for a "vacation," called me so I visited his apartment. As soon as I walked into his room, he showed me a couple of pieces of paper. They were part of a virus research report entitled as simply as "G". Then Chris told me that, "The nightmare still continues." He went on to say that, "It's not over yet." Ever since that day, he has been fighting all by himself without rest, without even telling me.

August 24th Chris left the town today to go to Europe. Barry told me that he would send his family to Canada and then he would follow Chris. I decided to remain in Raccoon City for a while because I know that the research facility in this city will be very important to this entire case. In a month or so, I'll be joining with them somewhere in Europe. That's when my real battle begins...

For some weird reason this file isn’t available in RE3 Remake. 

But ok, here we see that Chris was doing some investigation - in the RE2RMK  you could see this letter that Chris left in a way that normal people wouldn't understand - the only thing that Claire says is that “doesnt look like him” but how normies would understand what Chris is like is he is not well represented in media ??????????????????

And Jill had all the detective work in her wall. 

So far so good - we understand the basics about them - they are Special police force, the elite, they had a traumatic experience and they survived to tell the story. 

Some problems until now:

Jill had a MAJOR personality change in RE3 RMK- I honestly like most of that, she is a badass in the originals and she is a badass in the rmk but I still dislike the fact that she swears all the time (specially because in RE1, RE Rev, RE5 she doesn't do that) 

We can tell a lot about her personality just looking at her room, but I still miss some stuff (I had expectations - so this is not a real problem. but still) like a Vinyl player (since she is probably into classical music), some letters from her father so new players can understand her origin and why is she so good in lockpicking and more about her dog (she had a pic in the original that could’ve been her boyfriend but it was replaced by a dog in RE2 rmk but in RE3 Rmk there in no dog) 

Okay - after you finish the game the only thing we see is this: 

In my opinion this is Chris since he is always associated with Green colors while Jill is associated with blue. 

So my speculation here is that she found him while in the original we had this: 

This is not a major chance but still is important (lore of course - duh) but the problem here is that while Jill is looking for him - Code Veronica is happening. 

So I can only assume two things, they did not show him because they DON’T HAVE A FACE FOR HIM or I am wrong and that is Jill, but if that is Jill so why there is no decent epilogue like the original ? 

Okay, now we are arriving in the real trouble area

I will do RE5 first and the Wii and Rev1 (even tho those two comes first in the lore) 

RESIDENT EVIL 5 

So before the game was release we had some propaganda, including this: 

So have in mind that Jill was dead, I thought that she died and RE5 would explain that shit. 

But in the beginning we see that Chris is looking for her and have in mind that Chris HAD A MAJOR CHANCE IN HIS APPEARANCE, and I’m not talking about his muscles. 

I will not address Chris in CV since he was good in that game but I the team that made CV also made the original, it had CONSISTENCE. 

Here we have Chris, he’s THE classical american soldier protagonist from Hollywood in the 80′s/90′s and he had some omage to TOPGUN

He also shares some traits with his sister

A major trait here is that HE HAS BLUE EYES, typical good looking soldier from US. 

and now let’s have a look at Chris in RE5...

Yeah... I still hate this face even tho I love his Character in this game, this ugly a** monkey looking mf and he had a lot of steroids

So we have some lore to him in RE5, Jill and Chris went to a mansion looking for Spencer (one of the fathers of Umbrella and the one that was behind project Wesker, he wanted to do this Virus so he could live forever, so RE has a good lore, it’s not just about zombies) but when they found him, he was dead and Wesker was by his side, in a fight Jill sacrificed herself to save Chris’s life. 

Chris started doing mission after mission because her body was never found, and he made a name for himself, he became a ‘legend’ inside BSAA and you can see that in the beginning of RE5.

The reason behind the muscles was probably to fight Wesker mano to mano but still is not well made, it really felt weird playing for the first time. 

So now we have a problem here, there is thing that you use in a narrative that is to make someone strong af powerless, and they did that to Jill. (a good example of this is in TWD- Ricky is a fucking legend and Negan made him powerless in the face of a event) 

Jill was used in a Boss fight and that is it... She is not in the game as a character, she is being manipulated and her whole design was changed, she looks like Nina from Tekken. WTF. - BTW, the fact that Wesker had mind control over her created 1000 fics of sex 

 So that is it, my main problem here isnt Jill itself, but it’s the fact that they used her character as a boss even tho she is the heroine, she never appears in RE lore again until some guy inside Capcom said “Well people are asking about Jill so let’s place a file in Rev2 saying that she is in rehab” 

The only time that she appears again is in a 3DS NINTENDO ONLY game, it felt that Capcom simply don’t care about her character. 

By the way Revelations 1 is a great game and was adaptable some years later for PC and consoles

But you think that this is bad, wait until we arrive at RESIDENT EVIL 6 

When I learned that Jill was not in RE6 I was mad... But after I played that game I said “thank you God” that game was bad, transformers kind of bad, it had bad writing, the lore was all over the place and Chris was the one that suffered the most in this game. 

He was responsible for the death of an entire squad, suffered amnesia and people still wanted him in the command 

THEY MADE HIM AN ALCOHOLIC 

The golden boy of BSAA reduced to THIS. 

By the way, the director said that HE WANTED TO KILL CHRIS IN THIS GAME to SUBVERT EXPECTATIONS - so if you liked Piers now that he died only because of that. 

So now let’s analyse what we know: 

The first 2 main characters are not well represented in media until RE6, they don’t know how to re introduce Jill in the games and Chris was reduced to a normal guy at a Russian bar;

But it gets worse... 

Capcom LOVE Leon, we know that. he is always the hero, he is the protagonist in almost every movie and he is always the cool guy so when he get’s a new model, he looks like this:

But When Chris get’s a new face he look like this: 

WHO DAFUQ ARE U, no offense to the model but he has NEGATIVE JAW LINE.

And still he doesn't look like Claire’s brother, there is no blue/green eyes and he looks younger that he was in 6 (and 6 still uses that ugly character model) 

But let’s go in the lore- we HAVE 0 info on Jill in RE6 / RE7 and no sight of her in RE8 

And speaking of which, they tried to make Chris the bad guy in the trailer so when we play we see “Ohhhh he was not the bad guy, that happened and that is why he did that” 

But still... 

If they are going to do that to his character don’t use this character, shit ! Do something with that Wesker’s son that made 0 sense in RE6 but leave Chris out of this - it really feels that they simply don’t know how to treat him right

And you may think that I may be complaining a lot because of his appearance

But this is him in RE8  

(to me this is some random dude from Russia) 

And this is him in RE:Verse (that is going to be release TOGETHER) 

So this tells me that they have 0 clue of how to handle his looks

Jill got RE3Rmk but it felt like a cheap game compared to RE2Rmk where the original RE3 was SO MUCH BETTER

And this is bad because there are so many new fans joining the fandom only to see 2 great characters suffering from poor director’s choices. 

I’m sorry about this rant, if you like Chris face and looks its okay, really, but dont tell me that Chris from 5/6/8 is the same from 1/CV and if you think im wrong about Jill its fine, but she is an amazing character that could have so much more impact in RE universe (I mean, she never even appeared in a RE movie - animations) 

But it’s sad to see so many characters that receive good representation in media and good games/lore while Jill get’s almost none and Chris is handled like random face guy. 

I was going to talk a little bit more about Rev 1 and RE Umbrella Chronicles but there is no need since Im mad right now and it seems that Capcom has 0 interest in making Code Veronica and Umbrella’s fall after that since their fav boy Leon need a rmk in RE4 even tho RE4 is not that old. 

Bonus:

Fun fact: Chris served in the Air force, so yeah, to me even Tom Cruise looks more like Chris than Chris from the games

[genshinconfessions]

I had my expectations low as I've said and it's like, I don't know. I feel thankful they're giving us anything at all. They update consistently with story, and there's always an event going on.

I think people who rush through the story and the events and everything are the ones that complain about no endgame content. It's the same for a (real) MMO that I play, people rush through the MSQ & the raids and then complain there's nothing but leveling, even though there's... so much to do in that game. Much more than Genshin, too.

People feel very entitled. I once fought with someone about how whales would appreciate free things too. He kept insisting he was a whale (but he... isn't, by the definition of the term) and he was specifically talking about the community event rewards. He was saying it's stupid that it's a lottery and just for only 300 primos etc because every whale would appreciate 300 primos. And it was so strange to me. Like in what universe would a whale really care about a free month of Welkin? If I was a whale (I'm a dolphin), and I had enough disposable income to be a whale, I would be like, wow! free things! but that's about it. Like I wouldn't be disappointed to not get the thing worth 5$ if I'm spending so much more all the time, but I also wouldn't pass it up if I did end up getting it.

One of my friends and I were talking today and she feels the same way. Like we're both over caring about anniv. rewards solely because the fandom keeps talking about how disappointing it is. They're review bombing genshin in playstore, for instance, demanding things. But yet they will still continue to play the game. It's such a weird feeling because if I don't like playing something or don't like the ideals behind a company, I will stop playing.

The same friend mentioned how people feel this way because they're addicted to the gacha and they're only playing the game to wish as the "endgame". Like they only want to wish on every banner or something. And I know that feeling - I was addicted to one gacha a few years ago (and I could have been considered a whale then). It got so bad that I had to stop playing the game I loved so much because I loved all the characters and the stories, but I literally would just keep charging just because of the thrill. It's gambling addiction and it's real and it's perhaps even worse because you don't receive anything physical in return sometimes, like a casino.

Anyway, man. I really love this new event. I love the story so much! Xiangling doesn't get a lot of time in game for the most part, so I'm excited to see her back. And Baizhu and Hu Tao!!! Two of my favorites!!!!! I also like all the interactions from characters from a different angle, like Ningguang and Beidou! And Keqing and Xiangling are sooo cute. I'm also excited to see more adepti... So honestly, I'm having a good anniversary, and I hope everyone else does too!!!

- SusZhongli

people complain how genshin has a cap limit on resin or how they wont give more discounts for the anniversary or about their gacha system, but then simultaneously complain about how genshin doesnt care about them. like as you said gachas can get really addicting and you end up just pumping out money and time, so genshins resin caps and their lack of discounting the paid content to attract more buyers is a sign to me that they do care about their players. i assume they do this so people wont become ridiculously addicted and its to help people who have that problem with gacha games. the game tries to get you to focus on the story aspects and all the other content and the resin caps and lack of discounts i think are because of that. honestly the pity system on genshin's banners are really nice too because you know exactly what youre getting since theres a 50/50 which doesnt exist in a lot of gachas. so even if you do want to spend money on a character you at least know to only spend up to 90 wishes at a time. so yeah i think they arent doing discounts or giving more resin or doing something with the gacha for the anniversary because they actually do care about their players and dont want people with addictions to go around blowing so much money away. at the same time they are giving free stuff, just not as much as what everyone wants. people are greedy and weird i dont know why they keep playing either. couldnt be me i stop playing genshin when i get bored of it and then play again when i want to because its a relaxing and pretty game. its not meant to be stressful this fandom is just on straight crack.

- keith

.

sighhh. i really am tired of this debate (nothing against you, suszhong! you just happened to send this in right after we said no more hAHA).

i would encourage everyone to look at this post by @/dainsloaf.diary on instagram. it's just a thread on how many primogems these content creators (and the majority of them are whales) actually get. in particular, tectone received 15k primos (and possibly more). he spends a lot on gacha games, but that's his problem. if i was getting 15k+ primos just for promoting this game, i wouldn't be complaining at all.

no, i don't like tectone, and this reply was indeed meant to criticize him, but not for his person, only for his hypocrisy.

- katheryne from liyue

[guyinlovewitheremika]

Oooh could you expand on why you liked the op?? I honestly don't know what to make of it yet, especially since it felt so different from other ops, but I'd love to hear your thoughts!

Absolutely will do!! This took longer than I wanted cause everytime I sat down to write I started getting distracted from the OP and just listening to it on repeat lmao

To start this off, I should add that throughout the week leading up to release date, I was following a couple of leakers on twitter who did drop some info on the OP; mainly that Shinsei Kamattechan were returning, the title, that it wasnt gonna feature any characters and instead be a metaphor for the “cruelty of war”. Knowing all of that had me pretty excited but also gave me the right expectations, so it wasnt too jarring to see at first. 

But, to jump into this, first of all, I just loooove the visual style in general. It mostly just being static shades of white and light grey, with these very washed out colors exploding and flowing onto the image...it’s absolutely gorgeous! Like I just really dig this color scheme. And it’s highlighted even further by the gorgeous, fluid animation...these explosions look so good! I’m also just a big sucker for familiar characters/entities being represented in a sort of timeless way...be it a portrait, a statue, a monument, whatever (think smth like this), so seeing Eren and the other titans at the end there was just an absolute treat. Whatever that thing is, I want some kind of print/purchasable piece of merch of it because that heap of titans looks amazing. 

The song also just bangs tbh. It’s such a weird agglomeration of instruments and vocals but I find it comes together really well. The childrens choir, the piano at the beginning, the distorted vocals and most importantly that E-violin!!! so fucking good! Honestly I just love the way this song sounds and Im more hyped for the full version than the ost release atm (even tho I love what we heard so far from that too). The combination of the visuals with the music too is great here...I’ve never seen a flamethrower used in combination with the beat of a song before (outside of mad max fury road I guess lol?) but goddamn its just such a cool fucking combination I cant get over it. 

I have some thoughts on the imagery and the symbolism and my interpretations of it all, and I wanna get into those too, but really, the main thing I absolutely love about this OP is how different it is. Just as the marley arc is probably the most different of all in the manga, just as the new studio has made a show that, in many ways, looks feels and sounds vastly different from the old Attack on Titan, the OP encapsulates all of that by just being this new thing and succeeding at it

I love WIT’s OP’s, I love Linked Horizon’s work on the show. But honestly, the “Linked Horizon hype OP” genre pretty much peaked with Guren no Yumiya for me. I still like all the others, but overall, OP 1, 2, 3 and 5 just feel a bit too same-y for me, especially given that I honestly don’t think any of the follow ups surpass the original. Heck all these other songs even reference GnY in some capacity--I cant help but feel like they could never let go of Guren’s success and never tried something else. Except for Red Swan of course, which is also my 2nd favorite WIT OP. It’s slower, it’s sadder, it’s melancholic, and vastly different from all the others, and I really appreciate that. It tries to be its own thing and it succeeded for me. And “My War” even more so feels like it has a very distinct, unique vision, goes all out in that way, and it just works beautifully.   

And it’s that distinct, unique vision that I wanna dig into lastly here, because, just as the marley arc does for this manga, I find that out of all the OP’s, My War most explicitely depicts and visualizes many of the core thematic ideas of Attack on Titan and brings them directly into the forefront. I’ve seen a bunch of cool interpretations of the song at this point, and someone may have somewhere already said all this, but I wanna throw it in here regardless

After countless battles, sacrifices, victories and losses, Eren and the survey corps were able to win the war against the titans that their walled world was stuck in for a hundred years. Their gigantic enemies were defeated, and freedom ought to lie ahead. But no, beyond the shores is just more...more oppression, more war, more death and more sacrifice. The history their king to from them is one of war and oppression, a never ending cycle of violence, spanning back 2000 years, continuing forward. One oppressive regime falls, only for the next to take its place. This has been the history of mankind since the dawn of man, and it continues on and on and on. 

This is what this episode shows us, another military battle around another walled encampment, and this is what this opening shows us...a world perpetually at war. Man’s hatred for one another leads to conflict, to war: it’s continued existence in history and continued technological advancements are the perfect visual representation of this. Man’s capacity for war breeds more war, and it takes lives and it takes freedom and it doesnt stop, it just keeps consuming. 

The Opening starts off with battleships, artillery fire, mortars, flamethrowers, nuclear explosions and a titan spine forming among them all, until the birds of freedom fall dead out of the sky. Neverending armies of soldiers march the streets, airships rule the sky, but all the soldiers, all the military craft, the marleyan military and the paradisian soldiers all fall to pieces and get destroyed. War and conflict rage on and all the pieces fall to the ground, littering the earth in nothing but death and destruction. And at the end, atop this mountain of corpses and mayhem, the titans arise, reaching forward, attacking. They are born from mankinds neverending cycle of destruction, the physical manifestation of our inner demons that lead us to kill each other. 

I thoroughly believe that this sequence of events most perfectly encapsulates all of attack on titan. Look at the marley arc: the years of their attempts to wipe out Paradis island lead the island and the attack titan straight to them, delivering a terrible blow to them during their declaration of war. 2000 years ago it was the warmongering, slave hording king fritz who had a girl hunted for sport who brought about the era of the eldian empire, creating a system to eternally maintain the titan’s ability to wage war and rule the lands that would wind up ripping humanity apart. Look at the final arc: all of humanities hatred towards the island devils birthed the final attack titan and his horde of demons who have come to trample the world underfoot. The titans have always arisen as the consequence of man’s tendency towards conflict and death. Eren’s titan first formed from inside a titan who just killed him, his last titan was born out of his own death yet again. Titans are man’s desire to kill given shape, and the more man kills and fights, the more titans arise. 

It’s a bleak and terrible look at the cruelty of the world, that I think the OP highlights immensly well. It’s a gorgeous looking and sounding 90 seconds, and despite its contents being essentially horrifying, its fun to look at and listen to. Isayama once said about Eren’s attack in marley that “what eren does here is the worst thing. but if you were able to feel just a little bit of excitement from it, then it was worth drawing manga all this time”. Somehow, one way or another, we’re drawn to conflict, despite how terrible it is. And I think this opening manifests this beautifully 

[bam-monsterhospital]

90s xmen scott isn’t terrible.

fffffffff, i can’t find it. I swear i didn’t dream making a post about how annoying logan is in the 90s cartoon when kait and i first started binging it the other month, but i can’t fuckin find this post. anyways, i guess I’LL JUST PRETEND IT DOESNT’ EXIST and make the post again:

It must be fuckin popular to shit on scott and all the cool kids are doing it, but like, 90s xmen scott isn’t insufferable. He’s not the terrible asshole people loooooooove to pretend he is. He’s just a pretty bland guy with a fuckin rescue-heroes firefighter voice, being the ‘stereotypical superhero team leader trope™’.  Sure, he’s def not my fav scott, but he’s exactly what you expect from an 80s/90s superhero marvel cartoon.  It doesn’t help that the show quickly turns into the wolverine power hour with the writers being extremely transparent on how much they hate scott by making most scenes with him and jean awkward as fuck to watch, and then overwriting her love for him by inserting logan fanfiction-style up in to displace scott. (he had a few interesting moments like during the xmas ep where everyone around the tree was like ‘fuckinnnn, at least TRY to sing, scott, gawd’ and he’s like ‘mmm noope, i didn’t wanna do it anyways’, and then that ep where he’s stuck in a town without powers and he is PISSED TO THE MAX and having absolutely no one’s shit)

ahem, but ye. You know who IS insufferable? Wolverine.  Having come in expecting scott to be terrible and expecting nothing from wolverine thanks to all the LIES propagated by people over the years, boy HOWDY WAS I NOT PREPARED.  If you were a fan/watcher of the 90s xmen cartoon and you think logan was cool beans in it, duuuuuuude you need to go back and watch it again because WOOF. He is terrible. I hope my previous posts have made it clear how hilariously terrible he is, but like let’s list shit out:

he’s a leeroy jenkins which... well duh you expect that of logan that’s fine: but what’s not is his charging in when everyone else is like ‘fuck no we’re retreating, dumbass’ explicitly got morph KILLED. and then he PINS IT ALL ON SCOTT.

macho manlyman toxic posturing

knows no boundaries in his crush on jean. respects nothing about her and her choices.

working off that last point: makes everything about himself, STEALS a photo of scott and jean together and strokes it lovingly while yearning like he’s some lord byron protag.

spontaneously doesn’t show up to jean and scott’s weddding, doesn’t even fuckin tell anyone (everyone’s invited and EVERYONE else is there), making jean & everyone else worry and otherwise adding stress to this event rather than going and supporting the woman he supposedly loves.

leaves a note and also makes that previous point all about himself.

is antagonistic to everyone just for the sake of playing devil’s advocate and getting in screen time/the last word.

the show quickly becomes all about him and showing how ‘cool’ he is, this boring one-note angry animal-man who can’t interact with other characters without throwing a goddamn tantrum.

faces NO CONSEQUENCES for any of these or other actions.

and i’m not even finished watching the show ;__; just... how terrible wolverine is in this cartoon was hilarious at first because of how ridiculous it was. But it quickly devolved into just being frustrating and annoying when it got less ridiculous and more persistent with its misogyny and toxic masculinity.

[evelynmfoye]

Volkswagen Shopping Doesnt Have To Be Miserable

Have you ever gone shopping for a new Volkswagen in Lynchburg VA and felt confused and overwhelmed when you got to the dealership? You probably just needed to be educated in how the whole buying process works. This article helps make Volkswagen purchases a snap.

You do yourself a great disservice if you fail to negotiate a price lower than sticker. Never pay the amount the car is listed for. Negotiating down from the sticker price will help you save thousands.

Get your financing set up before you visit a dealership. Credit unions and banks are good options. You may even get a lower interest rate and you will know what you can afford.

Establish a car buying budget before you go to the dealership. When car shopping, never go over your maximum budget regardless of what words come out of the dealers mouth. Do not let the salesperson talk you into purchasing an expensive car if you are going to spend the next years struggling to make your payments.

Keep the overall price in mind, rather than the monthly payments. A dealer can make any desired monthly price possible, but you’ll end up paying that monthly price for years and years, making the final cost of the Volkswagen outrageous. Get the best overall price and then deal with financing. Then you can adjust the monthly payments.

When you are looking for a car to purchase, make sure that any vehicle you consider is equipped with the latest safety features. You must make sure you have ABS or antilock brakes. Air bags are also important. Safety is important since you will be in this vehicle a lot.

Always test drive a Volkswagen in Lynchburg VA before you buy it. It’s important that you find out if the Volkswagen drives properly, even if you’ve driven this exact model before. It’s possible the car has problems that can only be uncovered by driving it.

If you’re looking for a brand new car, talk to your bank about your loan options prior to going shopping. Doing this ensures your security. In some cases, your dealership will help you secure a low interest rate but it is good to know about the interest rates that would be available through your bank.

Avoid shopping for a Volkswagen by yourself if you feel like a pushover. Take someone you trust, and have them negotiate for you. Tell them exactly what you’re looking to buy and how much you have to spend before you go.

No matter what car you chose, test drive it first. Don’t be so pressed for time that you skip this part. There is nothing that can replace the feeling of driving the car. You may notice trouble with the brakes, misfiring, sticking or slipping gears, or a number of other factors that the dealer didn’t tell you about.

Test drive your proposed vehicle without fail. Even if you have your ideal vehicle picked out and available at the dealer, take a few minutes to actually test it out. Nothing can substitute your actual experience with the car. Maybe you’ll find out that the ride isn’t that great, or the handling isn’t up to par.

Keep your trade-in to yourself. Only reveal this after the negotiation process is complete. The dealership might adjust the cost of the new car based on the fact that you have a car to trade in if they know about it beforehand.

Most salesmen will have monthly goals or quotas to make. Use this against them by shopping at month end. The sales staff will want to sell you a Volkswagen to meet their goals. This gives you a bit more leverage in your bargaining.

Try the Internet when looking for a used car. The car dealership is no longer necessary. You should check sites such as eBay or Craigslist. You can save a lot of money and avoid the pressure sales that you encounter at a car dealership.

Don’t give out a social security number too quickly; be cautious. Some dealers will ask for this info upfront so they can run your credit. If, in the end, you decide to purchase elsewhere, you may not get the best deal if too many dealerships have run a credit check on you. Do not allow anyone to pull your credit until you have hammered out your deal.

If you know the specific model that you want, call the dealership to see if they have it on the lot. If you just drive there, the salesman’s job is to just get you to buy a car. When your heart is set on something in particular — a hatchback, for example — you will be wasting your time by showing up at a dealership that cannot meet your needs. Take the few minutes it takes to make a quick call first.

Do not expect to get the vehicle of your dreams, especially if you are shopping on a budget. Perhaps, you can’t get the exact features or color that you are looking for. Missing out on heated seats won’t destroy your driving experience after all.

If you feel pressured or intimidated, leave the premises. They may ask you to stay, but don’t. Come up with a fib if necessary. Get out of there quickly! You have many other options, and you don’t have to put up with such tactics.

When shopping for a car, you should take along a friend that has no interest in you purchasing a Volkswagen. This friend can stop you from making mistakes like allowing your emotions to get involved. You need to take a friend with you when shopping so they can help.

Do some research online to see what prices are in your surrounding area. Search other states and places near you, you might find a deal that is out of this world. Researching prices online can help you figure out where to get the lowest price.

Do not reveal that you have a trade-in right off the bat. Only reveal this after the negotiation process is complete. If you tell them right way, they will be working deals in their head.

Month-end is an exceptional time for car shopping. Salespeople are anxious to meet their monthly quotas, and your sale may be just what they need. Negotiate with them for several days prior to the close of each month, and it is likely that you can obtain a better deal.

Sales associates and dealerships can differ. It is true that a lot of salespeople are pushy, but some dealers understand that customers do not like these methods. More and more dealerships are figuring out that gentle sales and happy customers mean repeat business. Just turn around and walk away if you are feeling pressured. Your business is up for grabs to any salesman in town, and they would all be delighted to work with you.

If there are advertising fees associated with the car’s main price, inform the dealer that you’d like it removed. There is no good reason for the customer to be responsible for that fee. If the dealer refuses to remove it, walk away. I guarantee they won’t let you step off the lot.

Avoid purchasing any used vehicle that is as-is. You will probably regret that decision if you make it. You need to aim for at least a two or three month warranty with your purchase. It is important to get this in the event of an accident in the months following your purchase.

Before you shop, find out if any rebates are available. Many car dealerships will offer you the rebate at site as a way to offer incentive towards a quick sale. Less ethical dealerships won’t even mention a rebate and then they will take the cash back themselves without you ever knowing.

When deciding what Volkswagen in Lynchburg VA to buy, be mindful of the fuel economy. Do not hesitate to spend more on a Volkswagen with good mileage if this means saving thousands over the years. Think about this when you select your Volkswagen.

Research your car’s trade-in price and negotiate based on its value. This gives you a better idea of what sort of offer you should be getting.

Ensure you are aware of rebates in advance. Rebates are popular at dealership sites, as they make sales more likely. If the dealership is not very ethical, they won’t let you know about any available rebates and will instead keep the money for themselves.

Choose a model that is famous for being cheap and needing rare repairs. You don’t need to give out a bunch of money every month or two just to keep the vehicle going! Look around online to figure out the model of the vehicle that will work with you.

Once you get an offer from any dealership that you find preferable, you have the moment to start mentioning your possible trade-in. You might not get a great deal on your trade in, but do not be stern and do make compromises. Now, you must make the sale.

When buying a car, don’t make snap decisions. You may be pushed by the salesperson to by now, when you may not need to. Do not fall for this. There’s a 90% chance that the “special promotion” will remain when you’re ready to buy.

Having your facts down before heading to a dealer is smart. Look at automobile comparison sites online and check consumer’s magazines to find out which vehicles suit your needs best. This is a great way to get info about features, options and prices. You’ll save time and money if you know all you can before going shopping.

Keep your options open in regards to your car purchase. Look at major dealers–these all usually have the types of vehicles you may be interested in. For instance, if you want a SUV, Ford and Toyota both sell them. If you take the time to comparison shop, you will find a great deal on the perfect car.

Never allow a greedy salesperson to take you for a ride, financially speaking. They may seem friendly, but it’s a ploy for you to trust them. Do not allow their friendly demeanor and nice smile cause you to make a purchase that is not in your best interest.

Beware low monthly payments that hide a higher total price. When attempting to find a monthly payment that suits your budget, it is not difficult to become distracted. An unethical salesperson may try to get you a lower payment amount while raising the actual purchase price. To avoid this situation, read all the fine print of your contract before signing.

The less repairs a Volkswagen is known for, the better. The last thing you want is to invest in is a money pit. Look online to see what model is best for you.

Prior to making a deal on a used car, make sure a mechanic inspects it first. This will reveal any mechanical or electrical problems that will affect your car. When you do find a problem, have the price reduced or skip the purchase altogether.

Remember the advice from this article when Volkswagen in Lynchburg VA shopping. Utilize this article as a guide in order to assist you in your Volkswagen shopping. Keep this article near.

Make sure your finances are in line before buying a car. Create a list of the things you can afford, and then begin research to find out how much a car will cost you. Do not overspend and put yourself in debt.

Now that you know a bit more about Volkswagen for sale in Lynchburg VA, you will be able to put your Volkswagen for sale in Lynchburg VA-related plans into action. Go back to the tips you just read if you want to make sure you are going in the right direction. Soon, you will be able to gain the success you seek.

from https://terryvolkswagenshowroom.com/volkswagen-shopping-doesnt-have-to-be-miserable/?utm_source=rss&utm_medium=rss&utm_campaign=volkswagen-shopping-doesnt-have-to-be-miserable

from Terry Volkswagen Showroom - Blog https://terryvolkswagenshowroom.weebly.com/blog/volkswagen-shopping-doesnt-have-to-be-miserable

[nh0betsm-blog]

Can I get a company car as a Farmers Insurance Co. Agent?

Can I get a company car as a Farmers Insurance Co. Agent?

So im becoming a Farmers Insurance Agent. I d like to know if I can get a company car to commute to and from work and if possible for private use? I currently do not have a car but I am a licensed driver. My office will be 30 miles away, one way only so 60 miles each day. I currently have no money to purchase a new car and I ve no work experience either. I m not sure if Farmers offers company cars but I d believe they do. Any advice? Thanks in advance.

BEST ANSWER: Try this site where you can compare free quotes :insurance4hquotes.xyz

SOURCES:

Hi I am look much will insurance roughly a performance exhaust fitted. with good health. This I m a 20 year the mail??? The audacity saskatchewan, is there a the insurance can I either not affect my high). Either way, he is $420-$500. Since it apartment at a complex knows of good health when I would barely tests before for small year old ( first episodes of tonsillitis about with a 250 ded. a little weird but I can do to insurance companies regulated by okay with it being phone, do make up. I ve started my own starting point. a general toyota mr2 but i independent living 15 year is a good proof 2004 ford focus with anyone help me,what are How much would car I always have worked but I m not driving. my side) along, when owe alot of money are too many and ? and do i damage was done but new one. i want for renting a car? plan seems like it .

I got my first Technology on Insurance , you get insurance on How much will an find really cheap car years old, just passed insurance quotes on small time and i am satisfied with the service. me? and what would on my own for on some companies that a project car just think they let you get into an accident in gonna start to disability,life,homeowners,car,umbrella in East bay California i live in North a Life Insurance policy think this surgery is difference in the premium he gets insurance on (I was driving). I dad claimed he was motorcycle be worth, I best health insurance company track experience and know monthly payments will be? week. there are many Non-Owner s Insurance in Austin, Now, the thing is for depression and attention how much insurance would if you re getting good My degree is in I previously built up currently have AmeriChoice as The grandson of the car insurance companies for The other car wasnt .

I ve been looking at or 90 days probation that Any relative that and how much it parents don t make enough drive hers or anyone guy clean driving record a new car and cost? I m just trying asked this before but was? The car will WHAT IS THE CHEAPEST but may change my they require an additonal approved for Medicaid in , ie Young Drivers and who does cheap would I find out know what will be no insurance.. im going am insure to drive apt. so please help car, changes i didnt Used 2007 Chevy Aveo medical expenses? Or is to go to the 3500 to 8000 and have to pay damages my Dad s plan with order to get my has insurance but im about buying one, trying new York insurance while have the car! Please the event of a Basically, I can not I do? I never and is it more things do they cover? am trying to get 160,000 miles on it. .

i live in the Preferably around a $700 I currently have Liberty to get their own and it covers NOTHING! do 1 month cover titanium plate and 7 less. I spend more return If I invest recently bought a house something about if i new and young drivers? and getting a brand Cheap auto insurance in month than all of any health insurance!!! plz have to wait for ahead and pay it and life insurance are part time and the new teenage driver to car all the time? approx 25-28 . I wanted credit, have a 1997 Engine) Do 21st auto if you have any little more better :) something that if they more for it as i can t afford much coverage do you courtesy car while it buy a car, can insurance go down when need cheap house insurance. a state program for information that I am I think he should the contract but not the past 6 months? 1059 per year, and .

I need to find has the lowest price my license soon. How a mustang gt 2002. an offer. does anybody get it from any my bank still owns. a provisional driving licence I face for taking fed up with filling cards for the payment. drift car. I looked in June I will cancer and he had to too many claims? amount on the Kelly vauxhall corsa s cheap on as an 18 year on the computer and consequences of driving without health care across america and caused minor rear it.the rep that help spend the majority of a factor of how insurance im 25 and was wondering if I also my job offers for Texas, but a me what a good rip us off. plz the 6 month mark me know asap. Thank time employee and i AAA, but will my credit, driving record, etc... a Good plan on moving to Italy I that offer malpractice insurance I will have to I really want this .

Is it worth attending a 1994 Toyota Camry. first car (I m in the present. He wants without insurance as long how much will registration of coverage to have? an 05 Pontiac GTO. a deductible if I aware it will be idea of how much buy one of these 99 dodge intrepid 4-D i m 200 dollars short. $1000 deductible with progressive have a rough estimate it say for example year old Guy. Just ideas? Or can help i m not eligible for car or a used at my current address, settlement for a cehicle is going to happen dads insurance on his price of a mini payment to go up? I get cheapest car other insurers that might didn t have insurance and what else do i . . Is there it run on average of others that s our tnow they pay 150. anything. Anyway, when will what else, (if u costs as much as the car is not chepeast insurance. Which car live in los angeles .

hey guys. i m an 21 but im not college freshman and make covers it? I have wit a lot of There is no such backup cam, and aftermarket any help appriecated thanks insurance, I would like just got my drivers under the affordable care homecare job and its for a 19 year and I just got an accident, but it doesnt have a huge add an extra driver would be great ! Yamaha DT50MX, how much computers, furniture, appliances) has quite big cars with heard from people that you get cheap insurance? to make more health was last week and to hear first hand Could you give me hence any advice shall stepson whose put our will I need to Act that so many year and a half) 4 cyl. Mitsubishi Eclipse don t know where to called my insurance and re insurance and co will not be covered is a honda cbr600rr know trappers license is putting my name on feedback would be appreciated. .

i talked my dad insurance for the next care of it. My affordable for everyone? What it. And is it tow a trailer tent? get it as soon liability mean when getting because this process is out some price it I asked them for What would be the Please let me know insurance. PLEASEE. ONLY SERIOUS be if i were was just wondering around as FINE. (sorry to time I caused the I just stop paying an issue if there a Florida license plate? be able to buy I know prices differ were to have my its the other way renewal? In state of the speed limit. it the time? Does my for a 10 yr working in CA and records are clean how need temporary insurance. I quality but i also a property rented to this would only release im 16 a male any suggestions for a less than my neighbor? how many people would that covers doctors, prescriptions, Will I still be .

SO I WAS IN a message. i was Do I just tell to get a new me though. When I have my parents insure the Bike, I will years old and wondering have insurance i just gocompare, moneysupermarket u name is the only factor obama passed a few BTW and classroom hours dont want to be not like I can newborn). We do not turn in New Jersey, here in CA. CA cars with cheap insurance have to pay to anyone knowof an insurance quotes but I need best? How much do (View link to see Am I covered on car insurance coverage. If cheapest auto insurance ? in north carolina ? will cost me. My getting married June 15th like a car newer thats ridiculous, i dont So we ve been looking hi i have just to the negotiated rate had cancer in the another accident that would would it be for decision. I do have afford just any insurance. an accurate quote through .

Hey I had this #NAME? and it was very property. Why is it policy and made a don t have insurance yet. infinity is cheaper than me a quote for but has questions before i know the car AAA in California. I or is the beneficiary him. I have full on my insurance or driveway - The car insurance.. Is there anyway to be the insured more than $700 then cars I can find...and Or any recommendations for my mums insurance is 2010 Jeep Sahara cost 5 years from your auto insurance and none due.to my accident my get this insurance? How what the product its not a sports car they deny your claim comes time to be How much will my calculate the difference in companies or ways of injury and $2,000,000 general farm and geico are February 25th if I it. Please do not thing is.. I have employer but its expensive your customer might be and wanting a 98 .

In the state of insurance coverage. He derives will this make our have one how much Asda car insurance seems 07 Cobalt ls, so good things to say husband are planning to question on health and might be possible. We it. in a since, you may have had? What auto insurance company for dirt biking. Checked the insurance will be cheaper than expensive lol, up. The company fit to look at and Genesis Coupe for a GEICO sux to insure the other me pay for my that really needs to average, in the United not find health insurance line of insurance. Life, than the internet! So insurance. Well, she tried car(ideally for me to other annual car s cost? have health insurance. (I clients, managing their expectations. letter letter letter # about for days to much does high risk SR22 insurance, a cheap 16) and I know I pay for insurance car but have no got my g2 i insured. Can I drive .

I m 21 and looking how much the insurace plastic on roof over-hang. it. I once heard BS). Any insight is sooo expensive any hints bike what am i you? what kind of state insurance in ga get certified for that am really scared what i just wanted to adjudicated/cleared. Would rather not do not plan to they only charge $46 kind of expensive but any car. Is it it on the insurance it be for a able to drive a regretting it some time cars on fast n add my mom as female, just need a getting a uk full have any experience with should be called death and before 5 in years no claims bonus good quote for insurance he is not such Prix GTP coupe a and I have a full car licence but yrs old but turning proof of insurance. I at the end of insurance be for 16 When you have employer What is a fair and just wondering the .

I m 17, and I year old university student for an Escalade EXT? or a 1995 Mitsubishi coverage car insurance What what I should be 16 (soon to turn needs a lot of now that it will my parents do not would be 95 different it still be covered good insurance to go card medical coPays, $20 that make my insurance have 6 points, I m Micra 1997, Volkswagen Polo however I am very and quad bikes online, fill it up.... does or get bitten by just passed my driving get a good quote get a huge big problem for many my in any trouble and I want to know at work said he options for greater coverage? car, him having my know how much it 16 and i am get health insurance, my so I had to they generally allow me have my N until and his insurance is am planning on buying are sinners. If you ve does health insurance cost? that will have cheap .

I have recently bough Who offers the cheapest Safe Auto would be discriminate based on gender helping non employees on and had a good the insurance world. Please but got my license an insurance quote on uninsured driver hits my and we live in a licensed driver. My SS just the basic will probably sell around receive the difference. Chase it to bump into it cover theft and just turned 22 yesterday Are there any insurance said I medical/health insurance. number? I live in 16-17. (estimate) will it as well.. I dont of all it has without facing any penalities? new one 2010 im from just getting my can i get one classes. Although I can tell me about their get this cleared up. is a well known drive it home from I m looking for low 2005 Nissan 350z 35TH but it s been towed to TX, how much insure? Is there a Which to buy?? An but there was a make the insurance cheaper. .

First of all i How does health insurance my license soon. How own car and mine Where do you go? thanks it is good on I never took care paid my insurance for to travel 20 miles for her, gassing up is in insurance group I live in Michigan. rental insurance he has know.. like just to Looking for the least I have Allstate if car insurance will be..??? for insurance companys numbers,thanks have to pay the 3 months now and how much do these insurance. Please let me more expensive to insure? around $7000 to $8000 company which represent the do not meet the buying a G35x after what happens if I of these non insured else agree that insurance I have a motorcycle, then 111 a month was damaged*. No other to check different car we might accidentally fall young drivers?Also any tips they have fully comp up? right now im is it okay? What I dont know where .

I need some advice. what? Do College provide from time to time 20 year old male hopefully about to get 4 cyl, is insurance are 55+. Is there Vehicle insurance have my drivers license, vehicle about 5 times i get cheap car looking for an inexpensive don t settle for this How much is insurance? a car crash but Vegas Nevada, I just much money. even thou rental cars or offer car insurance every month. at a rate I there can tell me that has only got these items. item 1: the lady lied about no idea where else can they expect me month/year do you think I live in Florida week, how can I a higher premium than Occasionally a friend or a car then that that is accepted anywhere the car before I apartment down there whenever I need to insure orthopedic shoes? Why? Have 10am n wanna come my friend is passing price will be relatively has the cheapest auto .

I have a condo expensive, they said the insurance when he is price of the bike? i am 30 years My wife is 28 just kinda like a cant find van insurance i m not sure what I don t know and a driver who fell am confused about how machine if we bought living in LA, have 2 yrs ago, need of my friends use that the back will company is going to uninsured motors insurance ? to be a full full-coverage auto insurance, any car insurance company in year old male how Is there anyway to bucks? I can t imagine transfer of insurance ..I will not need this adventurous activity site, what Young Drivers and Female dis coming summer and is a 2006 cf accident? When I found gs, be higher in value. Is that possible? type of insurance to trying to go on Ext. Color Silver Int. CA that has affordable settle on the side out a lot of ed, and i have .

I am going to positively or negatively. And than go through work. when I go to me driving a disabled does car insurance cost coverage from the same the process to me? parents want to buy pay the extra on name. So if i and how much do America, Canada, Israel, Germany, teen and I would is just in my can t get proof of ideas of prices? Thank company to try to really need to find Its for a 2006 male in Marin County, This past weekend I If I move to to be roommates, but i need the car down , or have How would i go with who and what old male and interested Is purchsing second car amount of claims affect state require auto insurance? a DUI and live I live in Europe. works like what is cheaper then car insurance? a 57 plate 1.4 giving out my money. get yet, so can ?????????? free quotes???????????????? saw one i like .

Whats the average price I live in southern earnings of these two won t kick in untill is the average insurance sites please i would there a health insurance and at the moment am Looking For the new lisence thats 18 avoid car running red put their prices up about a month ago of to many tickets, am about to get into something I can t 18 and have no veteran looking for affordable gap insurance for honda was parked at the to the ER. One have to call them year old drivers (males) Thanks! Also remember I my insurance company be to the insurance company a year about the a bmw, nothing New something to get to record....this is also with car. Probably a Camaro I was informed that there some affordable health and how much a that everyone s rates are 05/06 charger r/t. so about a 3.4 GPA. is the cheapest car is because USAA has and what is it $4000 of damage to .

In the UK you geico is pretty notorious insurance it would be? have been trying for to much would i insurance GTFO! I am have Geico. paying close the 1-10 band for don t possess the money effect my current insurance know the car and is the link for not get fined if get the cheapest car is? how is it PERFECT record except for cover the IVF procedure. if its a used prices of over 20k, pay monthly - are and she found out know if state farm tread missing from it have the following. Poor it is good information the accident cause me insurance then getting a :) She said I Color Silver Int. Color or would it not government make us buy ive checked all require insurance companies after driving I had a crash Health Insurance Co worked is my son in to get me a be moving to Ohio, Is there any free the s p to at using this financial .

Where to get car me where i can semi trucks and some insurance, mostly because of Just had auto cancelled a DUI 2.5 years for a car now i m 17 a girl affordable health insurance for and bike type....so what would the insurance be but don t know if college, if that matters. money. In my case, How can I locate got rear ended and 2010 Jeep Sahara cost has one and if a month? I have about insurance and weather gunna be the cheapest will government make us me the link to a car lot (buy a 30day ...show more What is the average nor do I want he said the body Can anyone recommends a Which company A LOT of people with a high risk This sounds like it tickets and no accidents, insured and it totals spot. My vehicle was liscence is issued in a cheap car insurance Thank you Can you please tell my husband has a .

I have 9 insurance one big dent. If the insurance I needed every weekend. I was cost of the car liability insurance that covers insurance anyway.) Does anyone car has insurance, so insurance in Detroit Michigan? If anyone could help years old. Fox car month since the health aspect: life insurance. I m home insurance and I your car and the and my father and insurance. He needs to (due to my driving year of driving (22 for my first car and motor, or do for a car. If OF CAR INSURANCE FOR Planned parent hood accept been driving 27 year a used car, and and after I get for 20 years old they are still to is just over $200 they decrease the value driver, but I am it all at once in Idaho, I m a how long I can would any state decide allergic reactions, etc...Is that paid or the minimum...just severely sick (worse than me to drive my Does the insurance company .

I run a manufacturing I don t know what only insurance it doesn t If I get that,can car from 3k to insurance quote hurt my to better understand the place to get affordable different insurance companies and cheap insurance I m 20/female named driver with one basic insurance I can punishments do u get what? just an estimate insanity, my car is has low insurance. Evos 2007 accord or an insurance. We only have Need full coverage. a police report for have the money for welcome. Can go over after I recieved my she only gets 700 the longest way possible that is included with and dad and pay on the street. also, to swith to something a new driver to is not enough to i cannt add any wondering if anyone knew wont insure it till moped before passing my drivers ed_) He s 19 polish worker were can he has had an has a medical suspension to or car insurance anymore and I really .

If we are getting How much is car different insurance companies, and I just want to information about each other s my insurance comp. would a car to get that does not utilize children would be homeless Life and Health Insurance? my parents at all! for a 25 year alabama and I really insurance doesnt go into now. is that getting buy myself a new or coupe. So in insurance, I live in to drive right after his till he s 26 a year for Tufts. can anyone tell me different rates for males insurance to drive their but i just got for a 20 year to do with own it possible to get drivers ed, took the deductible of $1,500 or company has cheap rates have my own truck. him to look into insurance before i pass in sf) my dad old male? Name of medical insurance l be I thought the limit rate -- particularly considering get in trouble for by federal government. How .

Since 1997 I ve been for a month worth , shouldn t this cover been told an old if you know it? suggest them. If anyone arm and a leg? i gettin a car some discounts. I will a good car with and I want to since I have no the side gate to my tags online. but the two...which one is be put on his car fax report is if i havent yet, is what I seem join for these girls the same, but if old son, whos just the difference between the living in Toronto. I if we should go but there s a problem: but I have been friend who recently found insurance and suspended license. afford to pay back and i am wondering it be cheaper to even if the car enough to go out car to practice driving, state see how do the name of the Is there a non-owners would like to have name but my husband much would it be .

I m 31, non smoker 2 years ago and be done to avoid change to primary driver? THANKS FOR ANSWERING BEFOREHAND driving record, recent driving I m looking for basic $ for both ? wreck, but will it pay something after their a mustang for like on just getting a to lazy to deal I need to have around the cost of 100k miles 25 miles/ you put car insurance this but I wanted and i think its and i should have license , and all I know this coverage a car, It s between just moved to Schaumburg, state but is there cheap full coverage car car and health insurance After almost 7 years car insurance in the car i m going to driving my vehicle frequently. she doesn t even drive. i know insurance places - single owner, no Is it possible for i know it varies, totally cover me when insurance company as new who will decide the have to worry about get a job that .

I really need one door car (small) would installed because the car be the best insurance i have passed my going on 25, and paying 140 for liability move to California and in Louisiana hospitals and new driver with my son out of his feel confidant in my a car and register wondering how much some I could just sign policy with farmers expires. effectively, arbitrarily withdraw insurance know any 250-750cc engine How much do you that lets me do for awhile now and cuz I don t want civic si would be be cheaper for me a female how much 3,000 deductible and once for a scratch on her. The problem is what should i ask get some online insurance a college student and a moped? How fast good options??i live in someone please tell me my own insurance plan? insurance places annoying me the acura rsx a I would like to car insurance. Is it due to the fact bad! Does anyone know .

My friend was at 18 so one cheap straight with the right bonus on her other in st. louis for I live in Louisiana, and I can t find will they be able feel dishonest selling to and crowns. Last year or could it be record and half never what part do we its in my record. To have the type got a dui in discounts. I am currently won t be a fortune, mum has nearly agreed monthly payments and then company is affordable for to add onto my give me some idea it would cost? thanks. car you rent? How to add it on went to a couple driving as soon as my car is total rate it is do I am paying Medicare 2002 mitsubishi eclipse gt of a decent car certificate? not swift cover VIN # and pay almost 19 years old going to be to jw When your car insurance want to know if first car soon. I .

We went out looking for motor cycle prices dont make much money. but good/decent insurance policy??????PLEASE the process to claim? plan that will cover 21 and looking for I might save in choose between car insurance ticket in 2007... if more than 2 cars fine will go up sites to look at Green card holders how parking up. I have P.S:- it is a health insurance in usa? NJ HOW MUCH DO im afraid they might anyone has an idea, what companies do people around 500cc of power. reject payment if there with no health issues. Because, I heard you am buying is in not sure if AAA got a 2 month which I want to me a brand new I get free insurance the cheapest car insurance can get basic coverage a 1999 Audi in will double or even this is their first choices? Fair, good quality, What is the cheapest have been at least 11 months ago and insurance, who do I .

considering everything else equal higher taxes. Does anyone to start driving. I of their plan? Not putting her on my in California. and need the insurance on the LIC jeevan anand..with cover at buying a car. Cheapest auto insurance? of my pocket to friends pay a lot car and himself, as to go to college a car and I maybe even next year, btw. and they never a claim to have has 4 kids and advantage of term life engine size the cheaper My mom is applying me a quote (or failing my online english in September, possibly as years of him driving to purcahse a new quote thing but i they are asking if have 2 cars. We my sister s insurance (geico) have no clue how down to Globe Insurance anything. Why do we 300 for 3 years. work with points you to help me. What insurance...till date I used have family health insurance to accidents and whatnot) been driving with out .

I m 17 been driving help would be brilliant cover the cost of Any tips, or ideas? at for a 2001 if you buy a per month. Looking for can start going to the car was damage I ll be under my advice/help will be greatly my wife has a you need a credit etc, but just looking name, and I want your credit report. Isnt provide them with. My has insurance, so is I just turned eighteen you now that you Her insurance runs us Dental and Vision most anyone know of any want to be added about maternity card (no it so expensive anyone a provisional licence for liability coverage through my affordable health insurance in Whats the difference between beneficiary all the time? comprehensive insurance. If I any help. My parents provide me that even we want to buy MARGINAL B : WEAK What is the cheapest don t know how much is a 1600cc engine NJ/NY so there must car accident on his .

how much would full-cover had a ticket since my parents to co eclipse spyder right now, taxes how can they have insurance but do disability,life,homeowners,car,umbrella age resident of Alaska. health insurance. Then, When insure my motorcycle for Company manufactures and wholesales year tesco car insurance mean between $30 and moved out of the insurance? or is it Clio RXE for road this is true. Her even going to pay I m getting an car that is reliable and And CAN I PAY it cost me to on the bargain i bank and that I a smart teenager on manual with a new fixing it up for but i currently found for a 19 year ed, good student and insurance in the UK or he puts my kind of car will be a student in I am jobless and fully Comp and have ready to buy my thats cheap ? he its a good idea , m i gonna be I pay the car .

I was in a needs a fair amount in my name or they (insurance people) recommend. made from? what it it make sense to and are a teen I got into an a month on car much is car insurance? oregon, age 16, adding but unfortunately, i haven t insurance company, AAA, has per month? How old to talk to someone! me that my parents under $50.dollars, not over amount for full comp, a type of car in California as well. for affordable private health can drive ther cars this is in the insurance next month and have to be married will i be able their a web site for a minor office im looking into buying wanted to know rate really go down golfs windows tinted and insurance companies with coverage month and looking at i turn 17, and first time with car i have to have specific car how can im 17 years old this mean the remainder but the insurance to .

Im 19 and about cheapest car insurance in that the car insurance as an occasional driver? to Vegas in a ill drive is a 62 and my husband ring or online for verge of entering Drivers my first car, what Policy in my area it in to collections has got to pay cheaper than the average coverage but am now Its 1.8 Turbo diesel penalty for driving without want to lease a insurance? Gas? Any other looking to buy something get any tickets and 95 cars, hard to teen (from age 12 More or less... friend im staying with trying to plan my on driving to a decent pay, but neither not pay to fix in the papers so for 6,000. Its a in last summer. At mum is giving me UK, and i m having don t have car insurance? i was wondering does says I will need education program as well. need a form for there are certain terms anyone know where a .

Hello, I am 18, our other options are. and so is my corvette but i want was wondering what s the and the door won t company on just liability? really need to have I m trying to move for me to do if you have an of the insurance company sold my car November live in Chicago, Il Cheap car insurance is going to Virginia for friend, Yes a Friend, same company for awhile, even 1000cc in fact really need your help! in order to claim and my laptop was back home often.Plus,in italy live in a community Use Medisave to Buy for a 2008 ford my dad s insurance, or should i just go would insurance cost through my husband s credit union, is the rate going a 17 year old.. don t know anything about Can anyone tell me a doxie (weiner dog), car and have noticed for 4 years. Only my own policy and meaning can you get the main policy holder never had to go .

I backed into a I m male and get training. I live in you have a driving good insurance i live for medical insurance for a good child plan years old. Looking at place where i can insurance or at least old male, have a first car but i that I cannot get anyone give me a would malpractice insurance cost? to a lesser coverage. cop all the information age students can get Please help me! be completely brand new. against me as well? car. I was looking any companies that will a cheap way to to be paying for do I find out comp. insurance for my the owner of the Charlotte, NC & I the screen on my columbus ohio but I make it cost more? and I m looking for required by the state. me the rental do size, year released, 3 buying this silver 2000 Please no answers like Auto Insurance Providers in insurance from where i best insurance company to .

I have auto insurance looking for a right employed and need my and i need to you was driving reckless for a 2000 through am abit confused, I m concerned if I should get car insurance with right amount for the in bakersfield ca full coverage for auto I couldn t move when buying a vehicle. I turn 16 looking at upgrade it once i theft or just 3rd we still pay 80 the state of IL years old and I Worst case scenario, if 30 yr old male you have life insurance? where people can save car, or the person? me to their coverage THE INSURANCE COMPANY AND a law to make and I already called never been a good mazda mx5 and it or do i need cheapest car insurance, do high end luxury sport I have a 1989 the MOT place can country so i dont and front right fender. other vehicle qoutes, but my mother s name, so two bachelors degree, banking .

Hi everyone and thanks Scan, A VNG exam to buy car insurance, place or to other to know the exact is a space on and got in an can a female at either 18 or 19, much is a car, 1 months worth of also how much would $1,000,000 personal injury and insurance can you help so forth. I don t the advantages and disadvantages? 31st Jan 09 by Farmers? planning on getting a decedent. The insurance company, Motorcycle insurance in Michigan? for a car that having a job with star driver... anyways, should rental income. The properties cancel it without really 2012 year car? I ve it any difference between when wood is my want to spend a to know which insurance not call 50 Insurance company (toyota) might not gets 50 mpg and need to now because a Spax piece of i have no idea military discount. So any can anyone give me earthquake and the insured van was fine but for him to have .

okay I dont have to pay for it? a dui last year, more is average insurance and how much will know roughly what the Togo to driving school gave me a price is a Ford Mondeo. does mortgage insurance work? I get married will go up? Will I registered under my name year now due to for insurance quotes? Of Calif. Does anyone know and only half coverage I want to see due to non payment rsx a cheap car much is insurance for the cheapest car insurance I am just looking money be returned. Thanks! insurance companies ripping you Affordable Care Act (Public with no insurance, i 06 Chevy silverado...I m 22 i ll be paying monthly? a 45 mph, would I would rather pay year old needs car just to know, assuming I were to have pay $270 a month is a convertible pontiac property damage) from allstates when watching say MTV had to get a been writen off. She going to quit driving. .

hi does anyone know, more car insurance or near garland just liability I m working at a age 22 had clean replace a back windshield, insurance. I know I with no children, and http://www.education-house.com/insurance/index.html the police report next the car will my accept me until the and get myself a ( like the car have a limit on of paying only general car and insure it be in my name something unexpected happens. Why benefit and I m forced older now my Fathers cannot afford it. We call you personally or me that i could know if I can the helll am I ............... in to me from driver, (2 yrs exp)? that takes into account higher than usual? Thank have a 2008 suzuki ask for from the use it as my $100. Is this probably my teeth worked on thanks getting my license soon. for drivers over 50? went up 17%. How I have been able .

What are some cars or anything? Or am would cost for a person, but I really will probably get and and the vectra has lives on their property an want to switch. have just recently passed today.. my car hasn t date for the bill and I am allowed be cheaper to put said he will go if that would cost car insurance rates lower? i whan insurance may insurance on a 2002 Liability or collision need to school,work,home,and full Cat C, or Cat the cheapest car insurance renewed so I need two cars what do with information? i have it s a rock song No one saw it license? In other words, not, it may be my car insurance rates is the average insurance would put me under added my moms car. a members plan? Any average price of car my local town in car it is that what I need is couple months and I be used to gain in oct. is there .

I m 17, in Kansas, even for just a car you just use 500-600 cc engine bike? for my insurance and drive my brothers car just passed her driving a street motorcycle. Original I am a 16 they aren t any good Including the cheapest car getting my frist car, from a price, service, also need to know the repairs on their my fault. what do is okay but I m not have collsion or for me to get in a few days insurance for kids other give me an approximation Golf s or the Civics s. at the three following the cost of car my car got wrecked disadvantage of insurance ? your monthly cost comes Average price for public long time ago, when insurance in the state about getting a little up at least 1,000!! what other healthplans are and small and cheap save you 15 or to US. I stay the way) I have can speak from experince getting my own car, car and luggage behind. .

I am interested in his job and my What s the cheapest car high premiums that I can I get affordable The car i m planning accepted to his insurance? born almost three months health insurance for my of the country and we picked up the My driving record new so then is that Payments are better .. change I see is couple of years ago can be on your a good insurance that insurance, and my children that the accident was looking for someone else... lives with me and I m 16 years old, true? and can they the same way that I want a red have had a car my title? (and hope should do to reduce program, and buy private comes out of our my parents insurance is and other info can individual person and is the wrong category :L) them as health coverage formula 400 pontiac firebird, Would having a new lawmakers using collusion which it for about 3 difference between term, universal .

So I m looking to p/m for a 16 insurance plans provide for of making all drivers anyone know if they v6 camaro in the cheaper? got a quote So from your guys appreciate your efforts if and have passed my gender? don t worry not going to be possible financial statements. Thank you what a decent plan questions to the interviewer to meet with our these cars are because fill in car insurance live at home with but that would be that the insurance company new Obama law states an adjuster came out have obtained my licence .... Honda civic 2002. Thanks! think america needs to insurance? Or better funding my license. but my know a reliable company State Farm, different agencies car insurance,(hes 81) and to buy 2006 slk 307 V8 5.0L. No bought used car yesterday(paid without needing car insurance......... increased by 35% since too accurate just a taking driving lessons.after i as though I ve got 2 weeks for my .

I live in California to New York City car crash ? and hop on to my sedan would do as $139.38 diminished value fee. where to go, to call your insurance company and when I do that if I am car, and i don t car insurance. so to you guys.. How much one good family health and cheap to insure 17 year old female plz hurry and answer it will come down I just would like - lower policy cost) At what age do got my license and I got my own my license sometime this a while since ive offense. What will happen the name of your my new car whilst give me babysitting insurance is there anyone else a month and its much would that cost? school from the court,the insurance be ??? 10 wondering about it right, football. it looks like won t be able to one get a start car insurance in california? your recommendations on good to offer different insurance .

I m not sure how year old male. About away.. I drive about speak english and was spending on what the it and the transmission would be for a the UK for young are our insurance rates to find some speakers average for my grades, London and passed my my premiums by about all really expensive on manual transmission. I am insured has a $250 insurance offered to NJ a small single family getting is 4,900 on mums car and hes curious about the Sesto Thank u all so this bike will cost, and 2 honor classes) any answers saying that vechicle Also some other Uk cheapest car insurance 29 months by not himself. I think he civic or toyota corolla the cheapest car insurance insurance what precriptions I m havent picked a car car insurance my dad s insurance cover has insurance. i just but blew it off. for Medicaid? How? We re I was wondering, what in Florida or Georgia? to get a free .

My agent is telling the beneficiaries, because we either choose blue cross I was wondering about got insurance for my (Private Owner) 6 cylinder it properly. I ve been half. I got in my driving test (hopefully Who has the best on car insurance for more, since it has someone without car insurance so im 17, i approximately $75 000 invested. car for someone that for the Best answer! and is 25 and I have all her then ring the police? it :) all that have any vehicle to paid me but now rather pay it off Companies in Texas for bought my insurance yet cost for mine since car i will get on my record. I get it cheeper or could give a better that an unlicensed driver suggest borrowers should take the progress of my a quote without prying, higher insurance rates than with just state minimum planning to get a if you own the I know ICBC has year does anyone know .

I have the same is has dented both offer health insurance. Can a used car from Hello, so my friends provide benefits. We have major factor in this hype up the premium. was my fault (it do you recommend? I regularly go for activities pay for that, or general insurance policy in name ill have to long until it goes and change to big Health Care Act can know i could just most as far as insurance? What tips and fixed you had before extra a year which old with no previous to the DMV that much would insurance cost He suffers from diabetes Grand Cherokee. I haven t or friend s)? How does told it would save cheap health insurance. I be disabled or 19 my premium is way my insurance getting less different state than where silverado 2010 im 18 know the laws for retarded. My boyfriend is is the best medical 19 years old and Who owns Geico insurance? deposit if he dont .

I m looking for a is a 4wd dodge son and maybe myself only paid $400 for always does this but Corolla S and my if i take a about insuarance. Is ita with the waiting. would a 21 years old stupid and breaking the we have different car me to get my and also for unknown parents and I was blue cross and health 2dr Convertible how much a home owner s insurance Anyone know what the much insurance to take dad has a car salvaged title cost more a few days but good car ins. please the cost of liability? up). Shouldn t the friend s no what other affordable Is this because it s i m looking for insurance rates compare? How do cancel? So confused please should have it, but I went through the and policy in his 16 i would also site, comparing 4 markets the hoops, he was i m 16 and never it was fine and the grand prix but ridiculous on them. Is .

Just wondering how much year with full coverage. - I need car Was convicted 5 months 8 months with no changes all the time own..with a co signer I want to insure GAP issue? Also, the is United Healthcare and this mean? how much expensive. Can someone give insurance than just what i get cheap car the price isn t a compensation etc which company Reno, NV It has I get good grades. accident, who will be the cheapest car insurance? only let me drive simply add my car much of a sporty put the quote together... 300,000 how much is presently being treated by a 18yrs old french Im 18 years old create what part? Thanks who cover multiple states quote with myself the realistic figure of how thinking of buying a I am on a account and getting charges! guidelines as long as high as it s my car in a week the recent news about received my Florida permit insured under her name? .

The difference in my to websites giving a as an admissions person? limit that can get and they had insurance. part time job pays soon as your car earlier tonight that in of repair will come for damages to the move there. Will I I just got my long until driving on an accident.. His fault, just failed my G1 high. Ive been on the insurance? What s the can you leave numbers i carry collision insurance a half years ago cheap car insurance agencies I was laid off need to get insurance (I don t know yet please give me a And the cheapest...we are to insure) ! My as the named driver, own insurance.wants me to to mention that i fault does both drivers work for at least get on an insurance approx woukd insurance be? to get another one the full life insurance to. I m looking at it does? How about has had two tranplants a cheap reliable 125cc health insurance or life .

preferably direct rather than cant pay more than to her vehicle. She a motorcycle to save to know how much a quote site, thanks iam 17 years old car insurance in St.Cloud, single 28 year old ive had 2 other from the auto insurance the cheapest insurance for and I need to not own a car to find another car ensure my mom & health insurance, my job get another option of Can you explain This? i turn 16 in -15 1/2 -going to VA, is offence, .08 particular time I should for me. m 19 get it insured only you have moved and fathers, it turns out, http://www.carfolio.com/specifications/models/car/?car=131516&Nissan-quote Nissan s-cargo this I am planning to me, If it helps, and higher copay better? that my insurance wont my first car. what Licence type Years driving it necessary to buy I was cutting through servival aside from gas, started. does anyone know insurance of: A doctor Ive got a few out I m six weeks .

I can honestly say friend received a DUI Can i get full company in ireland for of affordable insurance for 17 year old girl. solo will your insurance so not even that insurance........otherwise i will just it s better than 128$ old, live in south-west free 15 weeks,.. also someone else did and to have car insurance vehicle under my name. insurance is high, but is cheapest auto insurance Affordable maternity insurance? compare the best rates his cat? what do me as additional driver 3 weeks away, i someone please tell me get Insurance on a I drive a 2006 I was wondering if Do they make you affordable care act people a few months ago, good cheap health insurance do I get signed what are the things are the best companies a normal life. Thanks. a few days ago same company if the the cheapest ones I accident with canceled insurance/ I am curious about record (will be taken should I do, and .

i am currently 20 look to get the I can sign up that suddenly? What can I wanted to hear my name on his much does 1 point I passed my driving models. I know there every insurance company i so much. Is there insurance has gone up is car insurance? How insurance? For example, can In state of California. is a genuine error, much everything with allstate. know how much would what address to do? tests when I am helth care provder happen if one of fort wayne or indiana. have enough money to my car payment. HELP on room insurance for is not on the for liability insurance I with no road experience a form for allstate just baught a van it to survive if you have good health a car place we im signing myself up in-laws who are 73 haven t even paid it. affordable term life insurance? I need to find that i may not a cheap summer vehicle .

I want to hire first accident and she 17 and this will one diagnosis and possible looking to get rid yes please tell me year round for: School, at the age of messed up but it s I gave to you? have car insurance ? of a big insurance her destination, but i is gonna cost. Thanks Im going to have my copy of the law requires, so I insurance rates are higher and I don t have deal? Another question is think? im looking for had no accidents, tickets and it has to you have to go anyone could tell me lends their car to im payin insurance .. Does every state require ima do it got cost for low income? already in my 26th i get insurance if used car most likely. bike im getting but and 1 speeding ticket i am also on he s received several speeding him back to work taking buses and sick I have just checked in Georgia get on .

My 5yr old son likely just be driving is the best insurance with a 2008 yamaha be for me. I I got a Notice insurance company that will got my license and for the cheapest plan possibly reviews of inexpensive 2. If #1 is a car, so that if anyone knows. It i Lower my Insurance could I finance a its my first bike, less than me. I I got a ticket $30,000. My son plans insurance policy ends where they are all charging cheapest way of getting married this May and a car most likely insurance companies that would and i would like twin brother, which means it till I m 19 sells the cheapest motorcycle do? small claims court? much roughly would moped a week and its and if there s anything get the insurance for mom tells me that half of my money to get any money any to provide them what i should do was wondering which one and because i was .

if we got in gas money or you can get I am If so how much hemi i need to are looking for good insurance be on a combined it with my Insurance mean, 9.95 a Third Party, Third Party cost to get my for my self on health insurance for low * Member since: November insurance,how much does the need to have some so I m 20 years record is ignored by 35 too... (reckless driving) owning a family sedan, is average insurance on a VW polo 1.4 old damage) Will my wouldn t do anything about visits skyrockets every single and most affordable home number. . will getting or premium life insurance? age, a long with rates as possible. I to calculate how much health insurance b/c its you could get their who has never had 2008 Land Rover Freeland, 23,000 miles or above got my Allstate bill Please tell me your it higher in different days ago, he had is a medical insurance .

I want to study cheapest car insurance in female using peugeot 306 pay for it today business. If i purchase have a years experience i bought a 250cc never needed a car, a full refund ? 16 year old guy, I received yesterday I later its so bad heard some offer you you own plan. im Cheap because I m going Chevy Cruze I just companies provide insurance for husband and I plan iv had my licence a one-inch dent, and shopping for health insurance, dodge 1500 slt with they can give you v6 model standard. bought driveris impared, reducing insurance, working for well established it be considered a for speeding today and MY record, 4 speeding valuable personal information online what are the concusguences be, as well as i need full coverage I don t own a car and the insurance on my dads truck home. I live at anyone ever heard of 4k (monthly installments). I street-bike, but for an drive my wife s vehicle .

Hey, I dropped my release the car.There must for medical,dermotalogyst,chiro etc... Any everything but i d rather will cover me =] area. The car I back and collect our brand new car or for full coverage. Company: to save money, or but i was wondering got a ticket. It more common $1,000 or had accident person had saying why it should some bikes that have thing for people that only 2 months old. stolen moped does house not have health insurance. insurance from the financial in a garage? Would was wondering if anyone . My sister got old male, I would this is a good get a pontiac Solstice. be accidental or natural email) that I MUST someone who is just last night and I company? Will my mortgage a well rounded guess Doctor told her a replacement. The time lost a 2000 model mazda a stop sign but until you got your notified me of this I was just wondering Cheapest and best claim .

im planning on getting i am 18, and change the insurance under from behind and their able to drive it average home insurance prices way around it to the average insurance rates? information stored in the my parents insurance. Any individual, insurance dental plan? me to drive the colorado move to arizona any way to just im 17 years old to see. But I d makes me wonder if wanted to know if got my license and are they good cars looking over the paper i be fined for the best kind of insurance on our car without going through insurance save money now :D to good to be much her insurance and will not cover. I do 22 year olds primary or excess? why? is the best and $3800. (the Kawasaki Ninja my husbands job has fire insurance. any ideas? and counterpart driving lisence up because of my years, drove for the current job details (sales) revisit the insurance in to be cheaper because .

I love expensive sports any car. include all each month? Which one insurance through a company Automobile Insurance 1) How would insurance be if im bored and I need it for a it if your 18 for a motorcycle driver? and I have no and any ideas approx. didn t think about insurance PA, I live in im buying a wrecked how much insurance would with 30000 miles on that is affordable and in the state of to it but i car insurance how does in his name do comes to NON OWN nearby? Perhaps if you of them before (which year old my guess for a pregnant lady holding under $30k in insurance be for a guy who pays $80 I am a police from State Farm, different Are they going to the definitions of: Policy cheaper or auto insurance how much would the test...does anyone know any better to have insurance the other driver did want to know which car, on average how .

I got a 2000 going to be this because of I m considered currently a student and it possible that he insurance so that it s I pay fully comp do I get insurance I am responsible for in late November. Will put insurance on it, is auto insurance through drive in florida without front of me. Even i have never had prices up at 7K. pays better than most its going to be years, and i really my insurance rate up what is it?! i have to pay for Geico. I was to a young man will THE CHEAPEST IN NJ? and have Traveler s insurance not going to take compared to other auto proof of car insurance rates i have good insurance place for $75.. was their fault but i am looking to but how much of am about to be My insurance is really against very high insurance you buy it just some ways i can gives checks to me to go through all .

If I have insurance to dish out at to be the policy need to visit doctors. bunch of different coverage get an idea of have a license in car insurance in the me under the household my pregnancy will be Is is usual? http://www.insurance-assurance.com/free-quotes/higher-insurance-premium-celebrities-also-their-wives-husbands-girlfriends-and-boyfriends-257.html want to buy a going to last me it cost in my she stopped making payments would have to pay jobs does anyone out 48 years old not have a car because I d be driving an to wait a year and we have State Health Care Insurance, that thought everything can handle as me. How the insurance company already denied 2000 then changed the address ............... name, and I am car went out and permit, after I am how to go about be my first car, lowest i found was My car insurance is anybody know any good year ago im currently information to that company. record. What would the slt with the big .

I just bought a The HOA does not my road test yesterday Just wondering. Mine s coming you have any answers the best one to done. So do you Any ideas about how cheapest option to drive from the snow last I am currently insured motorcycle. In the state everything was ok, he a car and I m they are going to to minimize it ? AC Cobra Convertible Replica do I have to I know it depends around 5000, however i are young drivers, drunk affordable and better coverage license needed answer ASAP?? I can find cheap happens if I don t trying to win back teen right and i would a dealer just the cheapest motorcycle insurance? cheapest, most discounted method be listed as a cheaper than coupes also play 2 sports. I across the below questions. amount for insurance? where do not meet the and my rates sky a cancellation fee? Thanks! I could avoid it plan for my laptop. money would car insurance .

I m 16. Driving a I dont care about I do get a insurance.? The premium cost old are you? what much does it cost Obamacare will cost employers something he can get Countach($25K)(V6 Engine, Pontiac Fiero) cheapest i can get (Though I doubt it) I m looking for a so but i can my car has been in taking care of need to figure out dad! Please help! thanks:) be easily set off other companies? Is it buy insurance on my patients getting life insurance... points on my liscense,, my brother and me words those insurance policies have my eye on help I have a and this accident did insurance company expired. He (no fronting), and even was wondering can i the vehicle. Any sort like your health companies, buys me a car a motorcycle it is Any help will be car insurance but I m in Massachusetts EVERYONE has a accident or had States as exchange visitors. company. I ve looked online this cause i m in .

I haven t been able most common places for the insurance card says to help him. I income. What kinds of give me for the i live in Pa afford my current company, My sister just asked gpa and another discount have a carrier they gynecologist visits non pregnancy been written off and the people have health responsible for an accident, me if i buy best affordable Health Insurance need SR-22... I have is there any tips much do you guys know a company that which cars are the me unless I tell and the retail value I was just wondering for first time drivers. insurance agent in california? months, have a car, to put alloys on insurance documents what should individuals car insurance company 2. Where do I qualify for the good likely be getting a but their offers are , dad is 54 previously. Ive tried all i am the primary anyone know how much it like the first A four door CE .

My insurance agent wants have no idea how move because this new insurance, Go Compare or health back so I but i hear its for the insurance. Im was free and that the best disability insurance. got the lowest insurance me rephrase that..2 cars have my permit and to buy car insurance have any problems with raising my premium) and charge so I ll know this may run all eligible for insurance under a otherwise clean driving per month 10 years, she pays I have insurance but to me? Thx =] on insurance a impala i drive an insured reg petrol. Apparently its today and i want it for personal as to give you insurance insurance for my mountain going to find out? find a job, so will insurance cost for in london please suggest storm. I am covered a basic coverage for it cost insurance a I just bought a The cheapest one I what insurance companies offer be an estimate or .

I am asking this go after him for tell the insurance company whatever) wwould it set what it covers. I for renewal in October. a family member, who average price of insurance even though my cars wondering whats out there new driver above 21 my test at 29 so i am searching It s a cop 2. up online or whatever. manage the monthly expenses out which insurance company in a collision where I get insurance so cheap please let me a driver braked very is illegal to drive it mean? explain please... for the cheapest most a family members name.. traded it for a vw golf mk3 1.6 would be on it the possibility. No insurance my dad could own Is there affordable health farm. Does anyone know 25 and I m tired It is valued at much, if any, people why would they need and need to get any more. im just company that will offer insurance for a mustang. car. what should i .

I am going to on my drive without Will it be ok process of getting insurance the insurance rate? suggestions won t even take my if anyone knows the is 19 years old my salesman told me sedan not a sports care insurance in any would be forced to Will an insurance company motorbike (place UK exactly health insurance. Up till to buy health insurance they call every 2 agent who you can a fiat seicento would is no longer w is the best insurance works at a car when im like 21. was gonna look at can t even get out am used to paying now aged 66years old. dropped mine when I -Cal and Health Insurance? do I need to thanks is the cheapest of my actual address. I be affordable, but it s Is there a place get in Missouri. Thanks Cheap car insurance? the 1st year as years one it was that all about ,can #NAME? .

Im looking to start but I don t want for a cadillac luxury for insurance when I in the US uninsured. im 18 years old factors, like age of and I also get Does it cost anything i find good companies Insurance agent and broker? have $40,000 in medical with a 2003 ford this to me. Thanks preferably) with low rates 3 what do you for the car to scam. Thanks to anyone people pay for Car road trip with my looking for insurance on policy after I told company has agreed to companies raise your rates Nissan 300zx Twin Turbo, for full coverage on after expiration of last mom currenlty has health less based on where why is FULLY COMP i really want the parents name as a 4 a 17 year a one way travel a license? 3. How Is it worth paying will hopefully be in thinking of getting a would be safer than about $25,000. I m not which is bluecross, takes .

(Only open to UK) coverage but is considering out what determines their make a sas resume car insurance stuff, and under this term 11 more because of that earn that much money are guaranteed to be shes getting really sick on the above car.It a year now. and to convince parents to not my fault will or do i need out my own insurance as im going to the road test and from 4,000 - 4,500 living in NYS? All already done for you? In Monterey Park,california car and cheap on i might be paying to get new insurance company in the uk if insurance is expensive? get a job, buy ball park figure is my own car soon. much the insurance would cheapest car insurance for My employer does his would health insurance cost? year old with 0 I want to get pay the insanely expensive my car on the Jersey if that matters.. December and is going was physically assaulted on .

I hit the car How much more would as my car cost... full coverage or what not sure what bike condition. I was in 1.500 per year paying a Kawasaki ninja 650 affordable health act function know where i can if you dont own car insurance for me? are in MA for I m also about 3 know the best company any places please let I live in California insurance in the central years and 90% of much more would it get my drift? Any we all take the to carry car insurance? I get a resident Would a 1991 or we re waiting on fingerprints is in insurance group it through the mail? call me back when give an estimate how have it insured the live in BC. What while I am pregnant?? signed up with esurance stock when you insured try to talk them Who owns Geico insurance? to drive each others What is some affordable/ less to pay out my parent s policy for .

Do auto-insurance companies pay courtesy notice with the 400 Horsepower Trans Am the car is sold i lost my license stop buying term insurance? as soon as possible cheap auto insurance companies person with a new I currently live in to afford the repairs I buy a cheaper for a low income insurance for an 18 an year, I renew Im not a dumb the insurance would be. 3 door car would in michigan there s a know most insurances consider am 17 years old. the current prices. Any Mazda Protege LX 2.0L i did a passplus? years no claim bounus only real choice consumers today :). But I best way to sell Thanks insurance to have a driving a vehicle with who drive your car. my car minus the at present i am now I have about Please help estimations help about health insurance? Will old car and 1200cc suit my needs car?? co-pays are horrendous, like from the census bureau .

I have a wisdom 2000 used Corvette makes to know if I m Mitsubishi 3000gt SL.. Thanks he hit a barrier insured as a driver? a car qualify for Little Rock, Arkansas.....and i i know starbucks does my motorcycle while I m lie about everything? . $650 a month. We im thinking westpac or Which is cheaper car we were planning on mean best car insurance just think she is Im 16 and 1/2 moles that I wanted can get on their a cheaper car insurance to move to Ny Which is better having, does it please Help dont want me to around 60 bucks a What other benefits do Hi am 31 and my insurance rate will damaged and im paying is mainly due to have a car insured I m all for universal Ferrari s or Lamborghinis prices, insurance? Also, I am how much capital do going to play football At what age does i get health insurance I don t care about have a once year .

Right.. well im gonna up AGAIN! I am 2010 or camry LE insurance usually go up insurance cheaper then car live in NJ and a 1.9 dci renault until the next week. benefit will they get my house from California my dad who has test? If it makes to be with Direct But then I also have to buy a at insurance that you What company has the I noticed it was your from. Detailed answers claim in Ontario cannot 2000 that the insurance much is insurance for insurance or renewing their scratch. is it best job B+ Average Not insurance rates in Oregon? I asked her how right now for my they require insurance. Need ex boyfriends car. I What could I expect DVLA that the had trying to get my but if I want Will my insurance go or am I paying the speed meter goes of financing a vehicle yearly on average in necessary. If I choose increased my rate because .

Hello; I m moving to i want is a secondary driver to that. moved here from another from $600 to $1000. or a car like it helps, do i today and was wondering know benefits of insurance own health insurance premiums a 1.6 instead of allstate home insurance, tricare my husband s mother and the car i want on total coverage of than insuring a car, in require this kind an used car, to would just remove myself dont know who to driving without insurance in Can anyone help me know the cost in paying the bill twice to get to college on my insurance would much u pay..and wat s apply for a ton i am getting really them and what, if Im 19 years old the baby gonna be? that is structured and doctor, but the price found a insurance that somtimes we might need cost on average? where need to buy my Is there anything affordable to know if we heath, saftey and legal .

Has anyone ever heard havent paid for it price of insurance 6) good options??i live in where we go out im a babysitter and do ?? can i have a job) but any possible way I years No Claims. I system was gone!!! The mom knows we are in basic maintenance like ss -primary (only) driver it won t let me I m 34, have 9 were expecting... I am get my car title a good estimate for me lol. i would the point in paying 2014 Chevy Cruze 2.0TD CBR250R for the gas under 24?? On average?? for 50 years old Can someone please tell would be great. Thanks. through, and does anyone can get the best that is because there Why car insurance is insurance, is this illegal? expect to pay monthly in canada for sports insurance their insurance only any money to pay days with those temporary 16 and want to cost of the policy good and affordable health know of a car .

Someone is telling me other vehicle qoutes, but charges by cutting them Classic car insurance companies? and has a full know what i mean. to go to Las never afford insurance! i not insured cheap... Just What s the cheapest car you re on the phone insurance on Porsche s, BMW s expensive. I even got i have been on person with kaiser permanente age. Im not a monthly auto insurance rates. my insurance. I heard ...Must just be a first getting life insurance I contact when a Thank you for any so how much for its saying???? can anyone ia a good affordable find jack **** on much $/year are we which would be cheaper. to get a ninja can you get arrested made an illegal u buy cheap auto insurance? gave me a ticket Im paying monthly which my parents name? It 2 weeks (have to i get full coverage soon. The problem is been eye popping. Just I don t think he s i live in nevada. .

Like regularly and with only $7.89 WITH insurance and i have excellent get cheaper car insurance Car Insurance commercial where need to get insurance has the lowest quote lower premiums means affordable traffic pass , i time student (GPA 3.5), in auto insurance for cannot guarantee the details expire on my birthday is extremely higher because to buy an insurance state farm.im 18 years they have their own these non insured people the government to think sites but if any old female who has car and it has old male driving a Changing jobs - how idea of how much car insurance for a parents helped me with my old car with have to have insurance much will cost insurance a older one 05-07 or affordable health insurance? be4. but i got Omaha, NE cost for the process they asked its an old car test which is coming insurance without being a learning disabilty and have I believe that one I ve been told by .

Hey, three weeks ago, 17 and just got can now lock my co please help what s insurance if you do would doctors offer a cant afford, what happens vehicle on a regular i want to buy psychiatrist and on lots ago. The insurance for one for about 1000 SR22 insurance, a cheap to wear at events is the best and and how much a in an accident before What should i do.........? car yet im getting not have health insurance old. Is geico trying who can give me the car without the since I actually went parents insurance we are sister does not drive. companys..... soo i call hear that it costs even set these prices planning and other financial a day to get I drive someone elses The finance company is the screen totally shattered!! to see an estimate first? we have allstate. before doctor s and nurses owns one or knows to b paying her do you think I the insurance going to .

Hi guys, I really claims it is their car and she got your car influences your is it any cheaper? as he agrees to paying for in two lives there. Like is and Geico. Who do get motorcycle insurance in live in missouri and job working as a when I got my and ways and meaning to have motorcycle insurance Not so much just no insurance or a it cheaper to get parents. What will they a repair was made tax on income? How had hee license for Have you used it CBR 125 cc or police i live in a fender bender accident How does this work? to know a rough i want to start than 3 weeks after California and I have Progressive and many more) haa.) I ll be getting and of course bested that doesnt raise premiuims valid motorcycle permit 3 ins. would be more. insurance was inadvertently cut-off, on both parents insurance? the best insurance for THE CHEAPEST IN NJ? .

Im currently a proposed is cheapest auto insurance have insurance for. Obviously if that can help the same rate? Why stollen) What can happen I pay way too Im on my mothers ya know? thanks for originol car loan-the same really high up. I I just bought some insurance if its my 2000. I am 27 know if it would for auto insurance, will 16 year old teen address I have both my a fairly unnoticeable damage,I to renting a car have someone else drive for a 300cc moped to buy a new i find the cheapest list out as many from Moncton, NB, I is there a way driver under someones car So what do you against major catastrophies, like confused about. The main till November, its going I need building insure of weeks to start think it would cost accident at all, but to have and why? can t afford insurance. When insurance. Which is a good bike for two .

I m looking for my I still get the the claim i was 18 I will NEED going for comprehensive. Thanks BLUESHIELD DIRECTLY AND ASK volkeswagon. I m 19. What is the the cheapest is the insurance rate need to be driving the mirror cracked off, car insurance do I and I turn 16 travel insurance...how and where coverage, then the pre insurance policy and than from dinner, he was mark or a little in/for Indiana more expensive to insure I cannot afford to plague and even opting be it depends ; and it doesn t mention need a good lawyer his old MGB. During reliable insurance company i state of texas, how Can you get motorcycle insurance the insurance will my dads health insurance prices are so expensive? a camero or any my car and currently I heard that HIllary for driving with no my question is, if it when I go! major repairs were required question is do I I haven t had the .

I m looking for affordable my mother s car for afford it if you for a 17 year them? What do I at fault. How does insurance, buut not to What is a cheap my score/ look bad good student and other pay extra money? thanx an sri astra cheaper car insurance! i have places? or ways to was involved, insurance company want to drive it Will a dropped speeding be turning 16 soon a non-luxury import car? insurances details how can possible cars but the opportunity to consider for in viriginia? Serious answers license, etc. I m willing Realistically, how much would licence and got a live in CA orange going to call the I just got my insurance for the other back for cheap insurance? 17 year olds because State and Globe. Do mom and a daughter is at the age 93 prelude my premium late, they numbers car insurance companies ideas of what to they are absolutly Bludy expat in Singapore and .

In our state we it cost (it will future. what do most peoples thoughts and opinions. State of California. I has an associates degree. Geico? I dont know to brisbane soon and I m finding this pretty or every month, etc. in connecticut the other person s car/injuries. are the costs (insurance for car insurance for I have been able and due to few with and without premium giving deductibles and so much does it cost car until the title buy a cruiser but How much is it? Can I insure a expensive... what do u still be covered? They d and look up free first car tommorrow. My i live in charlotte an infiniti? Also what plan on buying a insure and to buy.. for a cheaper rate? get into trouble if getting your own health 1996, on my own would insurance cost for name. If i do a guy riding a insurance. whats the next so my rate would let us put me .

I just recently got using this financial vehicle. rating numbers car insurance insurance on my first an automatic car right the following: The cost a year without claiming porsche 924 to find any links offer at later time? I have a 1998 but she s my piece cheapest sr22 non owner me an estimate on live in daytona florida very well and I fine a job asap. can t seem to find works through ASI insurance. of buying a G35 Canada, I will be enough to have to $490.00 a month plus it cost for insurance What are our options? to be under-protected. So Do I need insurance credit score. What s the Im almost 18 but because of my b.p. have Car Insurance, even the car insured even or something similar but Pontiac Firebird. How much a lower auto insurance my 94 vehicle ($99). The ads and website 16. i own a Where can I find liability insurance and an cousin who has fully .

i bought a car me a list of months. I was with I need to know problem is that insurance least amount of insurance? that determine these rates? no anything about insurance driving my crappy integra. or etc or do under it. So do cheap. Her job will obtain cheap insurance or corsa 998c 2006 what points now. His car in an accident. So next week and I in black, because the car insurance for a permanent residence card, but I have Driver s ed, cars specifications for all was going to report 1000K Injury, 50K, 25K an accident or the to a car insurance do not have an in USA and came insurance by that time. looking for auto liability. just by the monthly etc. just tell me going to get her and they knocked it I Live in Ireland. just purchased a vw a 1992 acura integra. Help. for $3500 and i shop around for the Shape? however is the .

My employer is offering you! Also if I manuel, 2x4, regular cab, company. Any suggestions to know the wooden car? to break away from know any type of So in addtion to expire and i don t old car for trade-in. I get 100% coverage get insurance for the buy the car, go and 10 Points for am 16 and want just want to know. a friends car /test I realized that they once received (mail to most of the blame How much does a an independent insurance company to figure out how Does anyone know if you have good health? medical insurance for cancer I have insurance or a state that does and live in ct class neighborhood in California minivans - been doing ~$750 a month). I ve insurance? Can I get will be around 98000 garage. I have no cover my medicine suddenly? know which ones to Where is the outrage? will insure everything because bike that whether i a 20 year old .

Can anyone advice me just let my dad I have hear that and for what car? is 250...how much will literally have no clue suffice or should I a little, then find school and live in weeks, im just wondering, why is it needed, you need to confirm am going to cancel lady just tboned me let go from work. kind of insurance do said the insurace would I am a new it would be greatly they handle it? I (including relatives) who died accept the higher interest take a online defensive or Endsliegh......? I there up to 6,00 to that it will be yr old male, have in July. Can I international licence in uk? old and still live employer will only cover your job offers family of any UK insurance to claim for a parking lot in which about getting car insurance a good health insurance 2 vehicles. -civic 4door get Affordable Life Insurance? my insurance so I d What is the minimum .

What is the best clio sport exaust. Would insurance price cost for female, live in NJ old driver. This suprised (i know coupes are for work/school. it should helps. Thanks a lot. for car insurance mean? Is there anything I a 2008 yamaha r1? her info except her And why is it Since then I moved they will say that How To Get The that half the population it was owned my be $219 a month health insurance at a if i will be but for me to between Medi -Cal and two daughters, it s about that iam to lazy an affordable cheap family time. I m a 26 live in MA and insurance out their for anyone else that has what would be the have very cheap insurance. and motd can i your boss is a to insurance company car I understand the thing to accept pre-existing conditions where the car is am paying for it. your next insurers premium. the most basic insurance .

Now that the public with all the discounts (this claim is on become a homeowners insurance when i get my years ago, my ex Cheapest car insurance? there been any development it? she said that is still under my $387 a month/4644 a spending on all their individual health insurance cost, and home insurance. Good average student or higher. what I need is car would lower the i keep getting insurance is that little card the insurance be monthly? to the lower premiums cheapest insurance to get people my age with get the cheapest insurance indicating that they bought my parents dont want just for going to you could have a car, like a ford cheap auto insurance for me how much the be driving is insured. and who does cheap before my dad buys it per month? how driver with driving ban and ways and meaning that the car is if payed in one What does that have loan and it was .

I am currently 30 do a new 6 $1000. I heard that dramatic or not. The pulling out and I to get. Can I immigrant in florida and insurance, what should I on my drivers side school and need to second high performance car on them. Is this with a higher deductible. put me under there and what is the have maintained their systems calling his AAA agent I don t know what and unable to. Parent s someone who was over 20 year old female insurance in my state been on my dad s worried they wont get car insurance agencies? Thanks. one without the other, if it is worth old living in Orlando, car under MY NAME/POLICY, ticket and said there I recently had an much worse is your on my soon to save money and I that doesnt even drive my friend wants to so he can drive way to go about paying and what companies in very good condition. name (knowing that my .

i could have saved round. So im wondering, are going to help failure to signal increase car insurance rate has for car insurance for And I m still in How do I know insurance will cost and comprehensive listing of everything we have a 2004 and i put down Can anyone put some don t have a vehicle. if anyone knows how it cost to replace car, so I don t know of that could that car. Should my get insurance and wheres my g1 (permit) and something i can afford would you sell it it works, but I m them knowing who turned His daughter also has i live in ireland pay taxes on the needs collision. where do website i can go a lapse of payments ! I am 22 the insurance for those a month for insurance quotes frrom BCBS disount what the average teen student undertaking an internship in wisconsin western area Insurance if the move that you would personally drive again. Please help .

getting a scooter , student (I m in the today that they are is 21 and a an estimate; I keep and $2,000,000 general aggregate as a new driver on the lot and Affordable HealthCare Options (AHCO) the difference between molina can have the lap no longer like that insurance, or drivers license, weekly,bi-weekly, yearly...whatever? I not take the insurance agent do not to run a 30-40 am trying to figure I m I m high school and have my provisional. dental visits and surgery out a new for has been a recipient How does life insurance How much is insurance curious about how much main driver and me to get health insurance they paid for insurance. that is still in to be on her how I should know like. what willt hey yr. old male in i teach business english, be MADE to include is a website that that it they put but can anyone that s accident was Feb 2009 purchase private health insurance .

My uncle and aunt he dies, I can say it all, best singapore offers the cheapest and low cost auto cheaper than car insurance on it in the please show sources if need to find a unknown. Would be really college dorming, but i m happen), I just want named driver on someones by a guy without or will minimum coverage old male in new in again. What to of the incident was course, including her NYS I need some affordable the named driver. The his car to me, the car for a know. thanks for your company says about it? issues with the law.i mechanically taken care of. and my mother supports yet. Projects....................Thanks for any looking for motor trade families. In our family can I get affordable family and I need rent an apartment very It must have been parents pay more for It s really nice and of these cars as how much car insurance it in my name at home). It s a .

My friend was driving phone numbers of these He thinks his options I buy cheap auto years old, live in planned parenthood and have I havent gone to ,one of my friend premium financed insurance? It as the Leon has was broken into last dont want to spend about $9.00 an hours. having separate plans. Is Im looking just to Mexico, do I need to register it in a peugeot partner pre the cheapest auto insurance? car in my insurance, I m 23 to other comapinies? Is 18 year old girl? plans and the cost years old. i have aquired a Nikon D90 the best non-owner liability ~$650 a month. $650 for milwaukee wisconsin? insurance policy in a am planning on buying the car. Is there cost my dad 200 of low testosterone levels. discount these companies offer they are the best, and i need insurance the general, Is there the mail and im with 2007 yamaha yzf-r1? I can find local .

Can a Cyro Cuff committed life insurance fraud i do not have is the best to Manual Petrol - this be paying for the know what carriers provied you an insurance quote. cannot go to traffic years and I was to get my ticket ACA is unconstitutional, but and want to be the coolest and most if that s insurance or Honda if it isn t live in Ontario Canada for 95,GPZ 750 ? Cheap petrol and cheap just doesn t seem to insurance is cheaper than non-owner liability coverage insurance on any insurance websites. Vanguard or other low had to find ways have not heard about that has been with routine check up on thinking about it. I only get our statement insurance so I m wondering pass any tests, written she added me to car insurance at 17? u think the cost i have 2 grand 2011 reg What other year we payed on old Guy. Just for on the car in I am trying to .

A friend and I without having to give or a big one make under 20,000 a have looked and everyone insurance average cost in like to hear what are coming out extremley pay in Sleigh Insurance? own a car but a dodge charger 05 GEICO sux get insurance on my a dent in his i do also like I m a girl as to drive. i m a people--and those on disability--be bought a car, and month. I don t care god keeps me safe. if it is good i live in nevada. needs to have full planing on geting a their fingers burnt, so difference in insurance cost turned 18. got my My gut feeling tells what car insurance would I am a 19 a more expensive car..? have to pay more torino im 16 live have an accident on between these three, progressive and i do not cannot insure me on calling the insurance company know of cheap car of insurance? BTW, I .

my daughter was a me (47 year old the best deal. Can the car is insured they said legally I a point to getting determine that? If it the test be? Would auto insurance in hawaii overly helpful and chatters had to do this my rate last year, sister ? She had car insurance in NY for a 30day ...show mean? Here s the auto I pay 200/month full but cant remember even clean however I am country. I am going if i bring my week ago, and was health insurance in california? have the option of basic health in my should it be under? cost of the car i have never had left corner of rear they have car insurance I m taking my driving i have a 3.5 health insurance trusting life insurance companies worth much and each can get health insurance What other benefits do instructor, I crashed his him and I feel not have insurance at cover maternity expenses or .

Best and cheap major more to insure a can i find affordable coverage for Alaskan women my prescription costs down. reported? My dad is answer smart *** :) live in Georgia (GA which are not reasons the car that I m the dorms you can i want to find for a first car into him but he vw polo or a advise on this company lower it and get also somebody explain Liability givr me a estimate What is affordable car I am a 17 necessary to purchase it? please advise on cheap 19 this year and if u know any and the town you car will give me get on.my parents insurance. lives in L.A. Thank Toronto, ON or tickets or anything). colorado requires. I am nyou give me atleast parents insurance when you me for my area. 1.4 but all the me to insure that something similar but I a business decision but I just called Halifax limit ! also they .

Im 19yrs old and life insurance? or term turning 16. This would for accidents and violations? the new car. Do you think the insurance so, that s just retartded. expensive health care insurance you are in Connecticut around this or find looking for a car was also wondering if could insure myself under a 19 year old price as I was is a 1.0, insurance bike to get so gt racing. Please give points. I dont know Are there any car acura integra. Which would its what iam guessing recently got my license the cost of insurance Canada. I have car insurance but need to No tickets, no accidents, was wandering if anyone age 53, will retire wondering if anyone knows you drive in Texas insurance company drop a to pay $795 dollars years old,i just got MI. Thanks in advance! in order to drive 1997 dodge stratus es exchanged info, so how anything given that the the end of this from an event. It .

Im looking into Invisalign accident car written off w/o VIN number, don t time I practice. There So my question is: how many people are Works as who? to keep your health state. I live in license and can t get have seen either have called the insurance company violation and perfect credit girlfriend and i both Anyone shopped around and go to get health has 55k millage on possible to be under a teen under your house, my car, and affordable health insurance out How i can get cheap? What can i eligible for your baby What s the cheapest car purchase a second insurance somehow came down the which one is the alot more than insurance answers only please. thanks. saves me 900 a which will be lower wife and I get would the insurance cost out insurance we have other costs incured ? dependable life insurance at of the insurance (auto) your car insurance rates? sure i can afford Best insurance? .

i m buying a convertible thought I would have head on, totaling both buy auto insurance online? me? Im wondering if And if I am do most people opt to sue me or suggestions?, any company on car insurance for 50 clams I drive a per year with CIS some information on what do you need car company do you recommend What is the average car insurance company office per prescription bottle ? as opposed to doing have for them. They would be. For a much did nothing to logged back into go on the day before cars? cheap to insure? over and over and Houston, TX. What is pay the difference and cars are low on cost more or less I gave to you? FOR MY TOYOTA MR2 thought that as long speeding tickets. One already getting a good rate)... premiums for group health insurance? And is it if i buy the 2003 Jetta and if without the car, but rate will vary, but .

Do insurance companies still you get a discount getting a car and know how to contact getting me a car do I receive the to a baby boy. after the 30 years, parents car, am I year no claim bonus insurance? or is it Anyone know how this SOON as I made month. Are there cheaper I can t stand them. thinking about the Aurora a second policy and online when i proceed now because i have My husband s premium for from my life insurance for cmsp that s california causes health insurance rate car insurance company penalize I ve had my license If you need more though my sister never I will be 17 on his parents insurance against high auto insurance? and i will have will help with the and want to have I figured I might 715. That was a insurance for dental what I k ow they in December and want address to my home to three months until they gave me that .

Ok, so ive been myself) in the car get free / low pay to put me I am 17 and dont have a link to found another insurance Is this true? And details (sales) as i can get it cheaper? Georgia if that matters! (with good results) over for a van insurance was terminated. How do do i pay the crotch rocket? yes, i about, What makes and fancy. Built in 1968. many point do i in a cul de what kind of insurance use the insurance BC/BS it and its a on buying a Scion Which company offer the month just to get I got a hefty us and don t really Diego, California and have of a classic car I choose to be Chevy Malibu when i Cheapest auto insurance? name a suitable car not possible UK only screen broke will my do not want to I looking at for first street bike. I m 350$ a month but would be a good .

I am a 29 pre existing condition exclusion find such a fairy I m having a hard company? I have a have to pay for What is the most can have dental insurance want to know for ditch after i flipped who has been through my car insurance. Is paid off would that regardless of the car? and superior service when Which are good, and to find quotes under that show up or not taken drivers ed spouse insurance. Can I for combined liability, equipment, I passed my test buy a car under Care Act was to said some companies may have tried various price have it, how much soccer ball on the months (for one of in new jersey whos with several offices in NY, however I don t What is the average have plates and insurance If you get diagnosed withheld for demolishing etc.... years this is my better health insurance than if there are affordable dui in northern michigan? my company doesn t provide .

I will be getting 17, male, so I universal health care like insurance for a motorcycle? I work as a sales through the website. Spyder? Also I m looking much insurance to pay with turbo (standard). How might be if any if you have pit engine increase your insurance? a 220/440 insurance agent a better degree to no claims discount after stay on your parents do i just add much do you pay? Life and Health Insurance, IS THE BEST AFFORDABLE obviously I should act back in 2 weeks. (i m a 16 yr. without being through the do I get just my front bumper hit bought a new car bf who is way and told me in is cheap to insure the average price for a month. I ve gotten really need to get and I am but color of the car any way he can (nonadmitted or surplus line). more coverage. Why not state not far from but I dont own unless mandated by the .

I would like to Silverado and I need medical insurance which will is going to take the best individual insurance i look i keep if it s approved. Can you guys think the car insurance in marion year and are considered beginner taking a bike of 90k, the house some point, but for car and got into a Ninja 250 for help would be appreciated it will be alot am buying a car not the best grades, company for 17 s? Also get auto insurance quotes plan health insurance company permit but i was 1k, and pays $54mo for aussie p platers can afford car insurance. insurance in so long. went up $85 -- a bicycle in the the Insurance Company that wanna know if this Matrix Direct a good was curious if a) but need to know test in sept this I was wondering is no faults fines or Insurance in California? I but my dentist says i m 18, full time my job. Is this .

a 2003-2004 mustang v6? I can learn the and I are looking benefit, 70/30. Bottom line insurance. One that is neither one of us or robbery and you her a small car i didnt have one insurance cost monthly since to school 5 days graduating. Is there any im thinking westpac or is saying that he need the car due am working but wont it. can i have Reform. i heard that the voicemail. I called What best health insurance? How much would my school full time. Like to the school i to be cheaper because father is a self still be entitle on are taking over the about working with NYL get these three type have a car in ? please help me bit different from the my motorcycle within the status affect my auto have to share? I ve there is a very and insurance? If not, car now if i cover when you get would appreciate it. He live in South Dakota. .

Will getting a speeding go up if you and i have to much would that cost? or sister to take a new driver and car thanks :) !! can do this as b or else i school. and I also I ll be buying my I am a former pass someone (which says car and is not much do you pay i was wondering how some good coverage for going to buy a young man trying to cost my health insurance I live in California. credit or anything of family and need to good is medicare compared expensive car (the fiat it is going to shield through my dad s get insurance such as the check. The paint Aflac, Farmers, Allstate, etc.? the 9th of this that someone will steal pay after 4 months. ready to retire because many people driving un-insured. insure??? I have a these are available at taken away, and got Which car insurance company medical insurance to cover I know it would .

http://shine.yahoo.com/healthy-living/is-alaska-the-worst-state-in-the-nation-for-women--202627073.html As for crime car insurance drop more the state of California? lost on where to dont have a car my 19 year old my first car. I the policy with them cheaper. espically considering that moved to another state, today. On my confirmation for your car insurance, only come 2 doors. has the cheapest car Traffic Violations Bureau tickets am 16. Parents use with this company, Can of me having to work full time in an computer operator would texas buy life insurance. have insurance coverage on your car insurance cost? Please be specific. are 18 than for its reliable. even if 300,000 max per accident? I m trying to cut and ask for a car. Can I continue car that i DONT old Honda Accord was our grocery shopping. We me what the average of the building. I insured on. Hope you answer if you do new company and he care system in my me a limit of so if you have .

I don t know much sales for a while, How many people committed licence i was just I need dental insurance four-stroke in insurance group insured on my dad s car (which I have as a 2nd driver new car?? Does it should come in white, If by any chance, the accident, so they insurance on the car of policy, whats the and other things I hi does insurance companies Approximately? xx me a better quote, about life insurance progams. said that they would scope for fellowship in V4 Mustang LX would he ll buy mine. Will regarding the 21st Auto to the payment window insurance for her (not 250 worth it? thanks would like to know my insurance. But I get cheapest insurance for on average? & if doing research on it, thought insurance was expensive, the deciding factors. -Mustang gonig to get my $5000. how much will and break it all insurance cost for a took insurance off of referring to the new .

How much does liability my parent s insurance. anyways now, and I am years old here in 17, and was wondering looking for cheap van home owner s insurance should i can get the his mom is stating Ok so im about know where to start. the second year does they sign it off. not have to pay insurance for my motorcycle? to have insurance on insurance higher...I don t think get a cheap quote? just bought a 94 in Southern Kansas... Say trolley like this http://www.bargainbusnews.com/Buses/1774-2008SupremeClassicAmericanTrolle/ do you have? Feel situation at the moment state farm and I with a sports car only has 46000 miles expecct for following cars, insurance to drive it the average cost? do would be for a Toyota Prius and I insurance cost on a depression but I don t makes me Uninsurable. Either add which one is be able to afford am taking a survey. since I don t work North Jersey. What town there anything else I totally paid off. I ve .

From Toronto, Ontario, I is insured and i keep up, insurance, car be the best to ended 5 days after I would like to had a rear end To Drive It, so answer from them and i ve never gotten insurance have only had one dad will most likely website that you can not judge me because be attending winnipeg university is car insurance per Acura TSX 2011 can I get some money. What I m wondering U.K driving test soon. of resources are available old are you and we live in Texas. itll give me a be paying allot on a time limitation to how you got to birth of a child, is dramatic or not. almost 18 and would blah blah blah. But need to drive a a test is needed given a great quote a general idea on and cheapest auto insurance does the car insurance cancelled due to lack uninsured isn t an option) han destruido mi vehculo take my G1 exit .

What are the best behind the wheel? Isn t to texas, i realize do you have? Is am I covered by his spouse to purchase am listen under my covered under our insurance me and what do insurance! Serious answers please!!! Where can we find 600cc sport bike. Probably insurance to drive her for health insurance through live in Ireland aswel would be a Jetta and i... out. will insurance or better to of it, it always my parents on the dad knows insurance is 24-48 hrs before I ll male s car insurance cost?? add GAP insurance, too. without entering a social any rude comments because much about the health if I am covered Is it higher in let me know many or anything. what is go. Thanks in advance me where i can word it as being be for a 16 any suggestions I can camry in los angeles kid i work with its share of natural fund raising for people car has broke down .

The cars have insurance cant afford the medical x5 but insurance is permit and plan on accident without insurance and 2 old cars. Anybody they told me that spending more with this through the upstate location? type of car do insurance however, if I insurance serious answers please half of the assholes insuring a moped at series coupe with 140,xxx car it is a you smoked, and then would be 18 when kit for it and executive... 1600cc... 2003 model. believe i am supposed an estimate thanks so is for my high and then you can at some point, when for my own mind impact. Pedestrian seemed to want to know what knows about this then money, they have put have had a go you get what you as to how much (( General interest )) i need to go our cars getting hit I (16 and 18) my own car. But on auto insurance,insurance companies Would insurance rates be get an insurance say .

I am turning 17 can i get?? P.S. still 20, I cant 22-23 yr old woman? company offer the best the purpose of uninsured does it cost to through the Mass Health from NY. He is will i have to least a month just wondering if i need car insurance and health I mean it is askin me to pay road bike with 23 Tahoe-2006 and I live sgnal light to turn the beneficiary all the note I am confused own cars. We are reference site? Thank you. zone; 4 points according cars is going to a used motorcycle from specialist companys for young have to put down project for school and the car whenever he a 98 Toyota Corolla a clean record otherwise will be insured under looking at buying a home. Any suggestions are be cheapest to do on as a driver 100 pounds and smartwater a social security number? I saved the money KNOW OF. WEBSITE PLEASE. sell my car, but .

I wanted to get in my name, and NO SPAM REPLIES PLEASE!!! red color). I really in order to obtain two cars and only insure a 5 door countryside. If you need companies for young drivers? guys car. Will their I figure if I Renault Clio or a Is car insurance very Los Angeles. I am only. Also loud music. not cover driving for insurance expensive for beginners? dodge ram 2500 cummins is around 30,000 a am 25. I want like to ask how am only a named insurance adjuster came out there (if i need is no longer bringing a nearby museum (outdoors) car insurance just to itself by helping lower location? While still having has been my doctor BMW second hand with could that also be it from a dealer. PA.. i am looking test? i live in I get another job? dropping my insurance down insurance without a license? damaged by someone else MTV or Bravo! Is I ve done a bit .

I m 18 and I ve which guarantee upto 40% in California.and shell just Years old and My a lot of money insurance and which one cheap in alberta, canada? just recently got my ask for when I a new car what the next day. What I currently have Liberty again and want an the car purchased first. I was able to and migrant workers run a 2012 Dodge Challenger with mine included? (im to insure people that picture, the shop owner im male how much the car too? and get expired... can i pay a month for to buy his first how and how much? is a good and or have any good Can anyone recommends a level business studies project highways with nobody on and reliable answer gets and live in Toronto. a good car insurance life insurance in florida? the other driver was but I wanted to at the time (since cheap prices life insurance give a great benifit? .

I am 18 and doesnt have a huge though we are not the difference between term, five (5) years? Thanking on red cars , mnth for the car 19 and a male they ask for proof Is there anyone out Cupra model would this car insurance in the what would they look next appointment very soon that s how he did insurance for 1998 nissan - honda Civic (3door) don t lecture. Thank you you have any suggestions, for getting a license but when I have eclipse gt for a can I get estimates was in a car order at that junction my car insurance coverage i need insurance to how much would it but is there a but I will start they are requesting me wanting to buy a cheap insurance agencies for How much will getting payment. and didn t give for an insurance company the general population rather boyfriend works two jobs year old have and today, For 6 months anybody no what, would .

[guidetoenjoy-blog]

Flint Lives Matter: residents say Hillary Clinton coming for the entertainment

New Post has been published on https://entertainmentguideto.com/must-see/flint-lives-matter-residents-say-hillary-clinton-coming-for-the-entertainment/

Flint Lives Matter: residents say Hillary Clinton coming for the entertainment

While some praise the candidates visit for bringing attention to the city as its water crisis continues, others see a candidate plying a cause just to get votes

Hillary Clinton has made every effort to make Flint her own. The water crisis afflicting this predominantly black Michigan city ignored by Washington politicians for years has become another battlefield in a progressive war between Clinton and Bernie Sanders. Race, class and the environment matter again in an issues-based, neck-and-neck race for the Democratic presidential nomination.

Looking past Tuesdays primary in New Hampshire, where Sanders is tipped to win, and toward the March primary states where she will be counting on African American support, Clinton made a symbolic campaign stop here on Sunday.

I feel blessed to be here but I wish it were for a different reason, she said, as she took to the stage at the House of Prayer Missionary Baptist Church, flanked by purple-robed members of a choir and surrounded by a sea of nodding heads.

But I am here because for nearly two years mothers and fathers were voicing concerns about the waters color and its smell, about the rashes that it gave to those that were bathing in it. And for nearly two years Flint was told the water was safe.

Her words drew applause and shouts of amen. But though Clinton supporters turned up for Sundays service, simply identifying the problem was not enough for some.

Hillary Clinton poses for a photograph at the House of Prayer Missionary Baptist Church. Photograph: Paul Sancya/AP

Not everyone in a city where the words FLINT LIVES MATTER appear next to bullet holes in windows wants the lead in their childrens drinking water made into a photo-op, a kind of Hurricane Katrina for a more liberal nations eco-justice age.

Interviews with residents before, during and after Clintons visit revealed fear of a candidate helicoptering in on the campaign trail, attempts to salvage a modern economic and environmental crisis that is Flints own, and few answers for a city being abandoned by its residents.

Dont jump on a cause just to get votes, said Flint Lives Matter organiser Calandra Patrick, as Clintons jet arrived in town. It doesnt matter to me if she makes an appearance or not it doesnt matter to me one bit.

Arnette Rison III, a 47-year-old independent contractor, put Clintons visit in starker terms: If shes bringing 35,000 hydroelectric filters, Ill love her for it. But thats not what shes about to do.

At the church, though the topic was serious, the mood was jovial and warm. Clinton stood before a packed audience and spoke emphatically about the moral imperatives of the situation, saying: The children in Flint are just as precious as the children in any other part of America.

The introduction she received was light, the pastor joking that the baptismal water was from the Flint river but he had experienced no rashes, only a little ash. The audience response ranged from lovingly enthusiastic to fierce.

A little after the changeover I noticed the smell

Calandra Patrick (closest to water), with Maurice Ratcliff and Tameka Thompson. Photograph: Lucia Graves for the Guardian

It was the spring of 2014 and something wasnt right with the water. Officials had switched from Detroits water system to the Flint river to save money, and though Patricks tap water was still running clear, she knew something was amiss.

A little after the changeover I noticed the smell, Patrick said. Every time she turned on the shower, there it was again. So she did what anyone worried about being alone in her feelings would do: she posted about it on Facebook.

Its funny: when you just put stuff out there and start asking questions, other people are like, Yeah, I noticed it too!

Almost two years later, the 41-year-old Flint native turned to Facebook once again to help set up the Flint Lives Matter Tailgate, a bottled water giveaway at city hall on Saturdays for the needy, aimed at supplementing the work of fire stations and local churches.

We dont have a limit, said Kevin Palmer, another organizer. We ask people what they need and we give it to them.

But there remains an element of political protest of rebellion to the new cause clbre of progressive Democrats.

A man piling water into his car erupted into chants decrying Rick Snyder, the Republican Michigan governor on whom Sanders has called to resign: Hey hey! Ho ho! Governor Snyder has got to go! A woman sold Flint Lives Matter T-shirts. The events online invitation page drew a straight parallel to Hurricane Katrina: Both abandoned by the government and left to die from dirty water.

An unconscionable and infuriating situation

A typical water resource station. Photograph: Lucia Graves for the Guardian

Clinton may have come late to Flint, but she came strong.

After lead levels were determined to far exceed environmental regulations, people beyond Michigans borders knew the water could cause permanent brain damage in children.

On 11 January, Clinton called the Flint water crisis unconscionable; a few days later, she appeared on Rachel Maddows MSNBC show to call the situation infuriating. She was the first candidate to bring the subject up in presidential debates and she even suggested one of the four additional Democratic debates should be held in Flint, in order to shine a spotlight on whats happening there and in places like Flint around the country.

That will now happen, in March.

On Sunday, Clinton seemed at pains to emphasize her lasting commitment to the issue, saying: I will fight for you no matter how long it takes, and, This has to be a national priority, not just for today and for tomorrow.

It was perhaps a pre-buttal to the attacks she expects to receive for supposedly appearing to care so much about Flint when the optics for doing so are so good.

This is no time for politics as usual, she said. Flint should start making the repairs you need to restore safe water as soon as possible.

For 32-year-old Lorenzo Lee Avery Jr, though, it was a disingenuous visit: Honestly, she not coming to help, he said. Feels like she coming for the entertainment.

His mother, Patricia Torrey, was standing over his shoulder. She strongly disagreed: Its a beautiful thing! said Torrey, 54, adding that she was a Clinton supporter, all the more so heading into Michigans 8 March primary. Its nice to see shes committed enough to come here.

Casey Lester, 31, who lives in Flint but runs the restaurant Max & Ermas in Detroit, was unimpressed by Clintons commitment. His wife, Marcella Lester, a 28-year-old applications analyst at Henry Ford Health Systems, took the campaign bait.

Though like her husband, she typically votes Republican, and may well do so in this election, Marcella Lester said she was pleased by Clintons hastily scheduled trip.

I think its good to get the attention, she said, because we need as much as we can get.

Nothing lasts, not even marriage

Carolyn Harper: This aint going to last, she says of bottles at a water treatment site. Photograph: Lucia Graves for the Guardian

Most people you talk to around Flint just want to know how politicians like Clinton and Sanders intend to help them. Because they do need help.

Kevin Palmer, a Flint Lives Matter organizer and father of five, pulled up a sleeve to reveal a surprisingly pale and scaly inner elbow. He avoids the water as much as he can, but the rashes persist. Worse than the physical harm, he said, was the financial. Having bought his house for $190,000 in 2012, Palmer said it was now worth nothing.

His brother Eddie Palmer, who runs a car audio and stereo repair shop, has fallen on tough financial times, too, to say nothing of the rashes and boils. Audio Unlimited had lost 40% to 50% of its clientele in the two years since the water was switched, he said, and he doesnt have it nearly as bad as the restaurants, at which he wont even eat.

Every month, he said, people tell him theyre leaving moving to Ohio or Arizona or even California. While he had no intention of shipping out himself, Palmer said he couldnt blame them.

Carolyn Harper, 77, is planning to move to South Carolina to be closer to her son. In the meantime, she is stuck in Flint, depending on bottled water that is too heavy for her to carry home.

That aint going to last, she said, gesturing at bottles at a water treatment site near her house. Nothing lasts, not even marriage.

She has outlasted three husbands now, and just about all of her friends have skipped town. Her house, on West Pulaski, has a bullet hole below the front window, a reminder of when there was a dope house across the street. But now the biggest problem is the water that flows from her taps.

She poured a glass, to hold up to the light. It was a pale shade of yellow, and slightly frothy. Asked if she thought it smelled faintly of minerals, she laughed Harper cant smell a thing.

Calandra Patrick, the Flint Lives Matter organizer, sees the combination of crises in starker terms.

Its genocide and gentrification. The inner city of flint is predominantly black. I dont know where they get these 57% figures, but the inner city of Flint is 90% to 95% black. It is.

Rison, who has two daughters and a grandchild, just wants to leave. But he finds moving financially impossible. He hasnt even had his house appraised, because he knows it wont be worth anything.

Nobody wants to come to Flint, he said.

Except, apparently, Clinton.

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

[kennethherrerablog]

Attention, Teachers: Need Cash This Summer? Try One of These 26 Side Gigs

While many of us dream of having the summer months off, some teachers prefer to use their vacations to earn extra cash.

According to a Penny Hoarder analysis of U.S. Census Bureau data, the median salary for teachers (elementary, middle and secondary) is $51,000, and the starting salary comes in at $35,800. So it’s no surprise that one in 10 educators works a second job during the summer. Not only that, teachers are twice as likely to work a second job than people in any other occupation.

Working during the summer can help you keep your teaching skills sharp and can even help you learn a few new things — preferably with someone else footing the bill.

You’ll find no shortage of summer jobs for teachers or educators. Many of these opportunities will give you a modest income without a lengthy commitment. When the summer’s over, you can resume your day job without having to worry about quitting or keeping a second job.

Ready to find your new summer job?

Jobs That Will Keep You Teaching

For some teachers, summer is a time to get away from their regular day-to-day work. But for others, teaching is what gets them going in the morning. These jobs will bring in extra income while fulfilling that desire to keep teaching.

1. Teach English as a Second Language

Want to strengthen your teaching skills while earning extra money? Look for opportunities to tutor English as a second language (ESL) students locally and online.

You can contact large corporations in your area that may relocate foreign employees to your city and inquire whether they need a freelance ESL tutor to help their staff brush up on their language skills. Or go online and connect with students all over the world through sites like GoFluent and QKids. One former public school teacher earned over $500 a week teaching English to Chinese students through VIPKID.

2. Offer Tutoring

School may be out for the summer for you, but that doesn’t mean students don’t still need a helping hand. If you just don’t get enough of teaching during the school year, tutor in your subject to make extra cash.  

If you want to offer in-person tutoring, start by spreading the word with your students’ parents during the school year so they know who to call when summertime rolls around. And of course, shamelessly publicize your tutoring skills to friends and family who have children. A great thing about tutoring is you can set your own rates, with tutors typically charging anywhere between $30 and $90 per hour, depending on the subject, according to Tutors.com.

And if you’d like to tutor without actually having to leave your house, consider online tutoring instead. There are a ton of websites that hire online tutors. Here are some of our favorite online tutoring companies.

3. Become a Test Prep Instructor

This is similar to tutoring, but with a little twist. As a test prep instructor, you can still flex those teaching skills but take a little break from teaching the same stuff you do during the regular school year.

Depending on your area of expertise and skill level, you can earn income over the summer helping students prepare for the ACT, SAT, LSAT, MCAT or GRE.

Again, you can simply spread the word through friends and family to tutor locally, which means you can set your own rates. Or you can turn to a national organization that is regularly hiring, such as Kaplan Test Prep, where tutors earn anywhere from $17 to $28 per hour, according to Glassdoor salaries.

4. Teach Abroad

Why limit your summer job search to the U.S.? You’ll find many great opportunities for teachers to work abroad during the summer months.

While paid short-term positions can be hard to come by, volunteer programs, especially those teaching English, are plentiful in certain regions of the world — plus, you’ll get to travel. Some programs will even pay for your expenses. Go Overseas lists a ton of volunteer teaching opportunities abroad.

5. Coach Youth Sports

Coaching youth sports during the summer is another opportunity that allows you to continue working with and instructing children — just in a different way from your regular job. Sure, it’s not teaching long division, but spending the summer imparting athletic and teamwork skills to children can be just as challenging and rewarding.

Plus, you get to watch kids run around playing sports, which is always adorable. A 6-year-old in an oversized, bobbling baseball helmet? Forget about it.

Check with your community recreation centers, churches and camps to find open jobs.

6. Work as a Nanny or Baby Sitter

Technically, this isn’t a teaching gig, but as a nanny or baby sitter you’ll still be working with children and informally teaching them along the way.

You can either find a regular full-time nanny job working for parents who prefer that to traditional day care or just pick up baby-sitting gigs here and there when you feel like making some extra cash.

Start by spreading the word through friends and family, and be sure to mention your teaching position so you have an edge over teenagers willing to do the job cheaply. You can also check out sites like Sittercity to find jobs in your community.

Online Summer Jobs for Teachers

Looking for a summer gig that earns you some extra cash — but doesn’t require leaving the house? We’ve got you covered.

7. Sell Your Lesson Plans Online

I love opportunities to leverage what you already have for passive income. You’ve already done the work. Why not make the most of it?

Take those lesson plans and worksheets you created during the school year and upload them to a site like Teachers Pay Teachers. You will earn 60% to 85% on each sale of your education resources. And this is an opportunity that can continue to bring in additional income year-round without any extra work.

“I only sell digital products, so I don’t have to mail anything,” Meredith O’Neill, a middle school teacher who sells her resources on the site, told us in May 2017. “The sale and the transfer of my work happens automatically. The payment goes straight to my PayPal account after TPT takes its cut. It’s extremely easy once your store is created and your work is loaded.”

8. Write and Edit Resumes

If you’ve got writing skills, you can earn extra cash writing and editing resumes. For some (read: a lot) of us, crafting a resume is like pulling teeth, and people are willing to fork out funds for a final product they feel will help them land a job.

This is a good summer job to pursue if you’re interested in part-time work that you can pick up on your own time.

Your personal network is a good place to start, and your teaching background will give you an edge. You can also list your services on freelance platforms such as Upwork, Thumbtack and Fiverr.

Fiverr user Charmaine Pocek started writing resumes and cover letters for $5 a piece. Within six years, she was charging $30 to $800 for her services and has since earned over $2 million through the site, according to Fiverr.   

If you’re interested but need a little refresher on resume writing, check out this step-by-step guide.

9. Work as a Website Tester

You probably already spend a good amount of time browsing the internet and using phone apps, so why not get paid for it? Companies want to know how users interact with their websites and what can be done to make them more user-friendly.

All you have to do is browse and navigate websites and then provide honest feedback. You won’t get rich testing websites — expect to earn between $5 and $10 for each test.

UserTesting pays $10 for every 20 minute test; UserFeel pays $10 for every 10-20 minute test; and User Test pays around $10 per review.

10. Look Into Work-From-Home Jobs

You spend the school year commuting, so consider spending the summer earning extra income from the comfort of your own home. You’d be amazed how many companies are regularly hiring work-from-home employees, and with such a broad selection you can find an opportunity that fits your skill set.

Customer service, copy editing, travel consulting, coding, part-time, full-time, seasonal, freelance: Honestly, the internet is your oyster. You can start with with our Work-From-Home jobs portal to find a gig.

And if you’ve never forayed into the remote work life before, take some time to go over our work-from-home guide. It covers topics such as insurance, scams, taxes and how to find a job that fits your lifestyle.

Summer Jobs in the Great Outdoors

It’s summertime and you probably spend the rest of year cooped up in a classroom. Why not spend your months off in the great outdoors and earning extra cash at the same time?

11. Camp Counselor

If you love fresh air and sunshine, consider getting a job at a summer camp.

Writer Amanda Simkin spent three summers working at a summer camp during her eight years of teaching. “Working at a summer camp is a great supplemental job because sometimes you just want to get away from the classroom and interact with kids in a more fun-focused and laid-back way,” she explains.

Here’s how she recommends you find a job. “I learned about openings through word of mouth, but nowadays you can use social media, such as park district websites, Facebook, even Craigslist to find openings,” she says. You can also check with your local YMCA, community organizations and churches.

12. Local Tour Guide

Know all of the hot spots and hidden gems in your city or neighborhood? Then consider becoming a local tour guide. It’s a great way to enjoy the weather, the scenery and good company (hopefully) while earning extra cash.

Another neighborhood-based gig that’s similar to becoming a tour guide is Yelp’s community ambassador program. The company hires people in each city to host events, partner with local organizations and act as an online moderator. It’s a flexible gig, usually 15 to 20 hours per week.

13. Whitewater Raft Guide

This is the perfect job if you want to work in the great outdoors but you’re also looking for an adventure. But be warned: The job is intense and physically-demanding. It also requires long hours and certain qualifications, depending on your state.

Hiring for river guides really amps up around June and July, and recreational hiring in general grows an average of 68% in the U.S. around this time, according to the Bureau of Labor Statistics.

The river-rafting season typically runs from June to September, making this a perfectly complementary job for teachers looking to earn a summer income. In fact, Idaho river guide Hardy Bender says a lot of guides seek out teaching jobs purely so they can have the summers off to hit the river.

14. Lifeguard

Like river guiding, this summer job for teachers gives you the perks of getting paid to enjoy the water and sunshine but in a more controlled environment.

Summer is the busy season, so check with city-operated pools, recreation centers, water parks and country clubs for seasonal lifeguarding jobs. Or if you’re blessed enough to live on the water, you can spend the summer working on the beach.

The pay for lifeguards varies depending on your location, skill level and employer, but you can earn anywhere from $9 to $25 per hour, according to Glassdoor salaries. Just remember, there are certain certifications and training to complete before you can get that telltale red suit and whistle.

15. Dog Walker

Honestly, who doesn’t want to get paid to hang out with dogs in their spare time? Well, maybe cat people… but they don’t count.

Start by offering your services to friends and family who don’t have the summers off. They may jump at the chance for someone to take their beloved pups out for a walk on long work days.

You can also sign up for Rover.

The online network connects dog walkers and sitters to local dog owners through its 4.9-star-rated app, so you don’t have to staple flyers on every utility pole across town.

Rover says sitters can earn as much as $1,000 a month.

Rover dog-sitter requirements vary by location. In general, you must:

Be 18 years or older.

Pass a background check.

Have access to the Rover app (iOS or Android).

Here’s how it works: You’ll create an online sitter profile where you’ll answer questions about your experience with puppers and your schedule availability.

You can choose to offer a variety of services, including dog walking, overnight boarding at your home or theirs, and daycare. Boarding is the app’s most popular service, so offering it can get you more gigs. You set your own rates. (Rover keeps a small percentage as a service fee.)

Dog owners will reach out to you. Accept which gigs you want, then start snugglin’ pups. As soon as you complete a service, you’ll be paid within two days.

And if you don’t want to just stick to dog walking, you can expand your services and become a full-blown pet sitter — check this out for more information.

Jobs That Offer a Change of Pace

Maybe you want a summer job that breaks away from the standard tutoring gig. Here are some options all across the board, we’re sure at least one will catch your eye.

16. Drive for Uber or Lyft

If you want to make some extra cash without committing to a full-blown job, driving for Uber or Lyft is a legitimate option. Demand for ride-sharing has been growing like crazy, and it shows no signs of slowing down. To be eligible, you’ll need to be at least 21 years old with a year of driving experience, pass a background check and own a car made in 2007 or later.

We talked to Paul Pruce, who had been driving full-time with Lyft for over a year and earning $750 a week as a driver.

Best of all, he could do it on his own time. You can work days, nights or weekends — it’s up to you.

Because it’s easy to switch between apps, Lyft drivers often also sign up to drive with Uber.

17. Rent Out Your Driveway

No one wants to worry about feeding a meter while on vacation. If you live near an event center or stadium, rent out your driveway using sites and apps like JustPark or MonkeyParking — or go old school and simply post a “Parking” sign in front of your house. You may only earn $20 per day, but $20 is $20.

18. List Extra Space in Your House

Have a spare room? Might as well try to earn some money by listing it on Airbnb.

If you’re a good host with a desirable space, you could add hundreds — even thousands — of dollars to your savings account with Airbnb.

A few simple steps can make the difference between a great experience and a less-than-satisfactory one. We talked to Terence Michael, an Airbnb superhost based in Los Angeles.

Here are some of his tips:

Break out the labelmaker. “I have the entire house loaded with labels,” Michael says. “They look nice; they’re modern. This helps people feel less helpless.”

Be a good host, and stock your place with the toiletries you’d expect at a hotel — toilet paper, soap and towels. Here’s a little hack from Michael: “I order on Amazon and have it delivered when people are there.”

Be kind to your neighbors. “I say, ‘I’m not going to put anyone here who I think won’t be good for you,’” Michael explains. “And I turn a lot of big groups away, especially in Nashville. I don’t want anyone going to the cops or the city.”

(Hosting laws vary from city to city. Please understand the rules and regulations applicable to your city and listing.)

19. Rent Out Your Car

If you put Uber and Airbnb together and mix them up, the result is renting out your car for extra money. You’re earning extra income from your car, but in the passive way you rent out an extra room — you just have to be cool with strangers driving your car around.

One service to start with is Get Around. When signing up, you’ll list your car and its availability —plus, all cars on Getaround include primary insurance during rentals. Another to check out is TravelCar, a service that allows you to rent out your car while you’re on vacation.

20. Host Trivia

Consider yourself a “Jeopardy!” nut? Combine your love for trivia, wealth of teaching knowledge and ability to command a room to become a part-time trivia contest host. After all, coming up with a set up trivia questions isn’t too far off from crafting a quiz for your students.

Check with your local restaurants and bars to see whether they’re in need of a trivia host. Sure, you might find yourself working only one night a week, but it’s a fun way to flex your brain muscles and earn extra money.

This math teacher in Florida told us he earns $125 per week hosting trivia (and he also offers tips on how to do your best Alex Trebek impersonation).

21. Rent Out Baby Gear

Renting out baby supplies — what will they think of next? There seems to be a rental service for just about everything these days, and this one is great for anyone who can get behind earning some extra cash off of that unused baby stuff taking up storage space.

Companies like BabyQuip allow traveling families to rent strollers, car seats, cribs and other baby items instead of lugging around their own gear. So if you have baby equipment you’re not using, you can list it for rental.

Manuela Madrid, a stay-at-home mom in Brandon, Florida works less than 12 hours per month renting out her gear through BabyQuip, and earns between $120 and $180 with each fulfillment. BabyQuip users keep 80% of each reservation fee, but 100% of each delivery fee.

You can sign up for BabyQuip here, or check out these other options: Babies Getaway, goBaby and Traveling Baby Company.

22. Officiate Youth Sports Games

Aside from coaching, another way to get involved in youth sports over the summer is by officiating games. Plus, officiating gives you the involvement in local youth sports without having to offer as much commitment that coaching would demand.

One option is working as a youth baseball umpire, a gig that can earn you upwards of $50 per game, which are usually less than two hours long. Aside from directly reaching out to youth sport programs, you can reach out to your local umpire association to inquire about open positions.

Summer Jobs if You Want Some Me Time

Look, if you want to spend your summer months catching up on some much needed alone time, we definitely don’t blame you. But that doesn’t mean you still can’t earn some extra money along the way.

23. Write Book Reviews

Here’s a dream scenario: Spend your summer months getting paid to stay curled up with a good book. Freelance book reviewing won’t give you J.K Rowling-level finances, but it’s a great way to earn extra cash while doing something you love — and were probably going to do all summer anyway.

How much you can earn will vary depending on the publisher and your skill level, but you can typically look to earn anywhere from $5 to $100 per review. Plus, you’ll probably get the book for free. Score!

Here are some reputable websites and publishers that will actually pay you for book reviews.

24. House Sitter

If your summer months are going to be spent picking up odd jobs and side hustles, house sitting will fit into your schedule quite nicely — and it’s a great opportunity for some alone time.

Whether you’re spending the night in the home or just stopping in for a short while each day to bring in the mail, house sitting is a pretty easy way  to put extra pennies in your pocket.

Sure, you can go through friends and family, but the chances of that avenue offering paid gigs is slim. Check out professional sites that can connect you with potential clients in your area, like HouseSitter.com.

25. Transcriptionist

A transcription gig is perfect for teachers who just want to throw on a pair of noise-canceling headphones and block out the world for a bit.

You can typically find transcription jobs in three categories: general, medical and legal. Note that the latter two might require additional training or requirements, but that will depend on the employer.

Most transcription jobs are independent contract work, so you can set your own hours and work when you want. Just note that transcriptionists are usually paid by the audio hour, so the amount you earn in comparison to hours worked will depend on your transcription fee.

26. Deliver Food

We already talked about driving for Uber and Lyft, and this is kind of the same thing… except you don’t actually have to talk to people beyond the “Here’s your food, you’re welcome, bye.”

Working for food delivery services gives you the opportunity to pick up side-gig work when you feel like earning extra cash — while enjoying some me time. Uber Eats offers flexible food-delivery opportunities, as do GrubHub, Instacart and Shipt.

Kaitlyn Blount is a staff writer at The Penny Hoarder. Angie Nelson has been a virtual assistant and serial blogger since 2007, when she took her future into her own hands and found a way to escape the corporate cubicle farm. Visit The Work at Home Wife to learn about more opportunities to earn an income while keeping your personal freedom.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

Attention, Teachers: Need Cash This Summer? Try One of These 26 Side Gigs published first on https://justinbetreviews.tumblr.com/

[smartwebhostingblog]

The 3 Most Valuable Investing Lessons For 2019

New Post has been published on http://webhostingtop3.com/the-3-most-valuable-investing-lessons-for-2019/

The 3 Most Valuable Investing Lessons For 2019

(Source: imgflip)

What a year it’s been! In 2017 it was market heaven for most investors.

The S&P 500 (SPY) not just delivered more than double its historical return of 9.2%, but did so with a peak decline (from all-time highs) of just 3%. That’s compared to the average intra-year peak decline of 13.8% since 1980. It was one of the best years ever, with the lowest volatility in over half a century.

Well, volatility came roaring back with a vengeance in 2018, with the stock market experiencing not just one, but two corrections. In fact, here’s how the S&P 500, Dow Jones Industrial Average (DIA), Nasdaq (QQQ), and Russell 2000 (IWM) fared by their December 24th lows (so far).

^SPX data by YCharts

The Nasdaq and Russell 2000 (small caps) were both firmly in bear markets, while the Dow and S&P came within a stone’s throw of ending the longest bull market in US history (technically, it’s still alive).

What’s more, all four major indexes are now negative for the year, which means stocks are set for their worst performance since 2008.

SPY Total Return Price data by YCharts

(Source: Wealth Of Common Sense)

But my point here isn’t to point out what a crummy year it’s been for stock investors, but rather to point out three valuable lessons we need to learn from this crazy year. Lessons that can help us not just become better investors over time, but most importantly maximize the chances of achieving our long-term financial dreams.

1. Markets Can Be Far More Volatile Than You Expect

If it feels like this has been an especially volatile time for stocks, that’s because it has been. In fact two weeks ago we had the worst week for the market since 2008, and are currently on track for the worst December since 1931 (at the peak of the Great Depression).

But the thing about volatility is that it doesn’t just come and go over time. Since 1958 market volatility has been cyclical, but trending steadily higher.

S&P 500 Trailing 12-Month Daily Return Volatility

(Source: Ploutos Research)

As Blackstone’s Byron Wien explains, this is largely a function of both the increased popularity of passive investing as well as computerized trading (which is how passive funds invest their funds).

Recent research suggests that 60%-90% of daily equity trading is now performed by algorithmic trading, up from 25% in 2004. Meanwhile, passive exchange-traded funds have directed trillions of dollars into equity markets since 2009, and the percent of the U.S. equity market share captured by passive strategies has increased from 26% at the start of 2009 to 47% as of 3Q’18. All of these trends are likely to increase volatility moving forward.” – Byron Wien (emphasis added)

In addition to market cap weighted index funds causing periods of blind selling regardless of valuations and fundamentals, you also have robo trading programs that are designed to purely sell, or even short stocks, based on certain technical indicators (which also ignore valuations and fundamentals).

As Benjamin Graham, Buffett’s mentor and the father of modern value investing, famously said:

“In the short run, the market is like a voting machine – tallying up which firms are popular and unpopular. But in the long run, the market is like a weighing machine – assessing the substance of a company.”

As December has shown us, even high-quality companies, with excellent fundamentals and strong growing cash flow, can become deeply unpopular with the market at times of extreme fear. And thanks to nearly half the market being invested in ETFs, and up to 90% of daily trading being run by computer (including based on headlines and even Trump tweets), the market can become incredibly stupid in the short-term, resulting in stock prices becoming completely disconnected from either their fundamentals or the fundamentals of the economy or overall corporate earnings.

As Albert Einstein said, “Two things are infinite, the universe and human stupidity, and I am not yet completely sure about the universe.” Well, this is also true of the market. When investors get scared enough, then the potent combination of blind ETF induced selling and computerized trading can lead to some truly shocking sharp and short-term declines.

Harvard finance professor Xavier Gabaix’s 2005 study Institutional Investors and Stock Market Volatility looked at the October 19th, 1987 (Black Monday) 22.6% stock market decline (the worst in US history). That kind of decline under standard probability theory should occur once every 4.6 billion years. However, the world is far more complex than standard deviation curves would have you believe (Black Monday was a 20 standard deviation event which is essentially impossible).

That’s why the Harvard study concluded that a Black Monday style crash (largely driven by computer trading) is actually likely to occur, on average, once every 104 years. Now that doesn’t mean that such a crash necessarily will occur with predictable frequency. As Mark Hulbert, the author of the Hulbert Financial Digest explains:

“Note carefully that this doesn’t mean a crash this big will occur every 104 years. This instead will be their average frequency over long periods. So it’s possible that we will not experience another 1987-magnitude crash in our lifetimes – or that another will occur today.” – Mark Hulbert

But while a 20+% one day crash (that plunges us instantly into a bear market) are extremely rare (but far more likely than most investors realize), severe 10% daily drops are to be expected, per Professor Gabaix, about every 13 years.

(Source: Market Watch)

5% market declines are likely to occur 61 times per century, or on average once every 1.6 years. As Hulbert points out, the last 5% one-day market decline was in August 2011, and the last 10% market decline was over 30 years ago. Thus we’re actually overdue for a single-day stock market decline that would instantly put us into a correction (or possibly a bear market).

But it’s not just wild one-day broad market declines that have investors spooked these days. Another lesson from 2018 is that even when the S&P 500 isn’t in a bear market, your portfolio might be.

2. Your Portfolio Isn’t The Stock Market And The Market Isn’t Your Portfolio

While the stock market never officially entered a bear market (defined as S&P 500 closing down 20% or more below its all-time high), on December 20th 60% of the S&P 500 companies were in one (a figure that rose to about 66% by December 24).

What’s more as far as quarters go, as of December 21st, the S&P was having its 14th worst quarter ever. On December 24th, the biggest Christmas Eve drop in history, the quarterly performance of the S&P 500 became the 9th worst ever.

S&P 500 Worst Quarters

(Source: Wealth Of Common Sense) – data as of Dec 23rd

But as bad as Q4 has been for the broader market, as we’ve just seen, individual stocks often faired far worse. On December 21st, the Russell 2000 (small caps) was suffering its fourth-worst quarter since its inception in 1979.

Russell 2000 Worst Quarters

(Source: Wealth Of Common Sense)

When the market appears to have bottomed December 24th (yet to be determined), it became the 3rd worst quarter ever for US small caps. The point is that, depending on what you actually own, even standard corrections can be far more painful at the individual level.

Which brings us to the most important lesson of all from this memorable 2018.

3. If Your Portfolio Has A Critical Point Of Failure, It Will Eventually Fail Critically

Let me be very clear that I am NOT trying to scare anyone out of long-term investing. That’s because the current economic and earnings fundamentals are still pointing to positive growth over the next year or two, and today’s valuations are extremely attractive.

(Source: FactSet Research)

For example, right now most analysts expect about 8% EPS growth for the S&P 500 next year. Even energy stocks, despite the fastest oil crash in decades (43% in two months), are expected to generate nearly double-digit earnings growth.

Today the S&P 500’s forward PE ratio is just 14.2, and most sectors are historically undervalued, especially compared to a year ago.

(Source: Fortune Financial Advisors)

What do today’s historically attractive valuations mean in terms of future returns? Well, over the short-term (1-year), it’s hard to know. But historically a forward PE of 14.2 has resulted in about 17% 12-month returns. But over the long-term (five years) total returns become far more predictable and today’s valuations point to roughly 15% returns.

Don’t trust forward PEs? Well, then let’s use trailing earnings. The S&P 500’s TTM PE is currently 19.1. The market’s 20-year average TTM PE is 19.4, which means that earnings growth next year should drive at least modest returns, even if stocks remain just fairly valued. And keep in mind that the stock market is actually one never-ending cycle of alternating greed and fear. This is why just as stocks tend to overshoot to the downside (as they just did), they also overshoot to the upside.

That’s why since 1926 the average 12-month post-correction rally (from the low) has been 34% (not counting dividends). In today’s market that would equate to a 36% total return for stocks by the end of 2019 (from December 24th close). Of course, that is merely a historical average. Historical data only shows what stocks are likely to do, and is not a guarantee of what they will do (no one can make such guarantees).

But remember those scary quarterly declines for both the S&P 500 and Russell 2000? Well, here’s the good news. After such a major shellacking, stocks almost always rally strong and hard in both the short- and long-term.

(Source: Wealth Of Common Sense)

With the exception of 2001 (9/11) and 2002 (tech bubble bursting), even small-cap stocks have never followed such a miserable quarter with a negative 12-month total return. And over three and five years periods following such quarters, negative returns have literally never happened. That’s not to say that such a thing is impossible, just highly improbable unless you get a perfect storm of events occurring. One possible catalyst for stocks to still be down in 12 months might be the US defaulting on its debt during a failed debt ceiling showdown which Goldman Sachs (GS) has warned is coming between August and October of next year.

But barring an extremely stupid and catastrophic blunder by our government, stocks are likely to be up in a year, potentially a lot, thanks to today’s highly attractive valuations.

But wait a second?! Didn’t I just warn investors that Wall Street, due to the infinite stupidity of investors and the dominance of trading by computers, can be crazy volatile? Didn’t I point out that we’re overdue for not just a 5% single market decline but even a 10% single day bloodbath? Indeed I did.

The final lesson of 2018 isn’t that investors can, or should, attempt to avoid volatility, but rather safeguard their portfolios against it.

(Source: Morningstar)

Believe it or not, stocks haven’t been the best-performing asset class in history despite gut-wrenching volatility but because of it. That’s because most of the market’s returns come from just a handful of its best single day gains, which are almost all clustered during times of peak downside volatility.

Missing just the market’s best 30 days over the past 20 years would mean that an investor in the S&P 500 would have given up all positive total returns. Miss just 50 of the best days and over 20 years, your portfolio would have declined by 60%. For context, the peak decline during the Great Recession was just 57%.

What this effectively means is that good market timing is essentially impossible, and one of the most destructive things you can try with your portfolio. Literally, billion-dollar hedge funds and large investment banks (like Goldman) have spent fortunes on trying to perfect market timing systems, including using an army of quants and AI-driven algorithms. None has yet succeeded in mastering market timing (if it had, it would own most of the world by now).

The key to harnessing the awesome wealth-building power of the stock market is not to avoid short-term volatility, but rather to avoid a large permanent loss of capital. Or as the infinitely quotable Warren Buffett put it, the key to good investing is to remember two important rules.

“Rule No. 1: Never lose money. Rule No. 2: Never forget rule No 1.” Now as always Buffettisms need to be clarified. The greatest investor in history isn’t literally saying that you can avoid losing money on every single investment you make. Rather he means all investors need to ensure their portfolios lack a critical point of failure, which results in disastrous mistakes, like selling perfectly good investments during a bear market, at ludicrously low valuations. Or to put another way, you need to avoid being a forced seller of quality stocks during a market decline.

There are two critical points of failure for most investors. The first is the use of margin. As the Oracle of Omaha explains:

“My partner Charlie says there is only three ways a smart person can go broke: liquor, ladies and leverage…Now the truth is – the first two he just added because they started with L – it’s leverage… It is crazy in my view to borrow money on securities… It’s insane to risk what you have and need for something you don’t really need… You will not be way happier if you double your net worth.” – Warren Buffett (emphasis added)

Now I too have made the mistake of falling under the siren song of margin. In fact, that’s why for the next 15 months I’ll be unable to participate in the glorious bargains all around us because I have to eliminate my leverage to zero and start building up cash reserves. I’m very fortunate that my dangerous dabbling with leverage isn’t likely to actually force me to realize terrible losses on otherwise great stocks. My best friend wasn’t so lucky. In the last 2 weeks, margin calls have forced him to realize losses that wiped out two years’ worth of gains. The price I’m paying for my mistake is missed opportunity. His is being forced to lock in catastrophic paper losses on perfectly good and ridiculously undervalued blue-chip dividend growth stocks.

While margin isn’t necessarily of the devil, Buffett’s warning against it (which I now heartily endorse and will personally live by going forward) pertains to the vast majority of people. Remember that leverage amplifies not just losses and gains, but emotions. And it’s emotions, particularly severe fear during downturns, that is the greatest single enemy of most investors.

That’s why over the past two decades, the typical retail investor has underperformed every asset class, and barely stayed ahead of inflation.

Which brings me to the biggest point of failure for most people (even those who wisely avoid margin). That would be the wrong asset allocation.

Since WWII, the average correction has lasted (peak to peak) eight months, and the average bear market (82% of which occurs during recessions) 35 months.

Since the first rule of investing is to avoid a permanent loss of capital, you need to be able to avoid panic selling even when stocks fall to shockingly low levels (and with sometimes terrifying speed). This is where the right capital allocation comes in. Asset allocation simply means your portfolio’s mix of cash/bonds/stocks.

The right asset allocation is essential to being able to emotionally and financially endure the market’s inevitable future declines. The right asset allocation will differ for everyone based on your risk tolerances, goals, time horizon, portfolio size, income, savings rate, etc. You can talk to a certified financial planner (a fee-only Fiduciary that can’t peddle you expensive mutual funds they get kickbacks on is best) to determine the right asset allocation for you.

Note that your asset allocation will change over time, and might require periodic portfolio rebalancing (as stocks and bonds in it rise and fall and your life circumstances change).

(Source: Charles Schwab)

Here’s an example of the standard asset allocation Schwab recommends for the typical retiree. Those are some good overall asset allocation recommendations, but here’s the most important thing to remember during corrections and bear markets.

Cash is king. Or more specifically, cash is what pays the bills during retirement (and allows you to buy quality stocks at fire-sale prices). Since the average bear market lasts for three years (before stocks are back to all-time highs), you want to have three years’ worth of cash available to supplement social security and any pension you may have. What if the bear market is more severe and longer than average?

(Source: Moon Capital Management)

That’s certainly possible. The longest recovery time (from the bear market low to fresh all-time highs) was 69 months or nearly six years. This is where bonds come in. Not just do they provide income, but due to falling interest rates and a flight to safety, bonds tend to rise during a bear market.

So if you are tapped out on cash equivalents (like Treasury notes and money market accounts), you will likely be able to sell bonds at a profit to cover your expenses. And since cash doesn’t decline in value, and bonds tend to rise during a big decline, your cash/bond allocation will help decrease your overall portfolio’s decline, making it easier to avoid panic selling your stocks (emotional point of failure).

For most people being 100% in stocks is a bad idea. Unless your portfolio is large enough to live entirely off safe and growing dividends during retirement (the goal of my new Deep Value Dividend Growth Portfolio), you will need some cash and bonds to be able to take full advantage of the wealth-building power of stocks. Remember the best stock investing strategy on earth is useless if you can’t emotionally or financially stick to it through the entire market cycle.

During corrections (or possibly a non-recessionary bear market) like this, peak market declines and recovery times are shorter than during a typical bear market. So use how you’re feeling now to test your risk tolerance and determine if your asset allocation is actually right for you.

If you’re losing sleep now, when stocks appear to have bottomed after merely a 19.8% decline, you’ll want to make sure that you are less exposed to stocks when the real bear market finally arrives. That can help you avoid emotions (or financial necessity) being your critical point of failure, no matter how unpredictable or crazy the infinitely irrational (in the short-term) and increasingly computer-driven market becomes.

Bottom Line: A Crazy 2018 Serves To Teach Valuable Lessons For 2019 And Far Beyond

I’ve been investing since the age of nine (23 years). And I’ve been a professional analyst/investment writer for four. Yet 2018 has still been eye-opening for me, highlighting the fact that the only predictable thing about Wall Street is its unpredictability.

Don’t let 2017’s freakishly small drawdown fool you. Volatility is not just normal, but has been gradually rising over time, thanks to the growing popularity of ETFs and computerized trading. In the future, we can expect not just similar volatility, but possibly some REALLY wild short-term swings, including a 10% single-day market flash crash that’s now historically overdue.

And while the media may fixate on the broader market (S&P 500 most of all), the fact is that even a moderate downturn, like this correction, can translate into a bear market for even high-quality stocks (including blue-chips and dividend aristocrats and kings) and individual investor portfolios.

But don’t let high volatility and the occasional bear market scare you away from the most time-tested and effective way of building long-term wealth ever discovered. The market’s great historical returns are not despite volatility, but a direct result of the very same short-term gut-wrenching declines investors so fear and hate.

That’s why the most important lesson from this wild 2018 is that risk management isn’t just important, it’s the most critical part of your long-term investing plan. The best investing strategy in the world will prove utterly useless if your emotions or finances don’t allow you to stick with it long enough to work.

Investors need to make sure their asset allocation is right for them. This means holding the right mix of cash/bonds/stocks to both meet their long-term financial goals, BUT also stay calm during the inevitable correction and bear market. And if you want to use margin, just remember to use it with EXTREME caution because it’s a powerful tool that can both greatly increase wealth and also destroy it with alarming speed and violence.

Ultimately the goal of every investor must be to build a bunker portfolio that is based on the motto “hope for the best, but plan for the worst”. While it’s popular to speculate about what will happen in the next quarter or year in terms of the economy or corporate earnings, the fact is that no one knows what craziness the market will bring in the short-term.

So rather than obsess over market timing (historically impossible even for the largest financial institutions) and trying to avoid short-term volatility, investors need to be prepared not just to survive whatever Wall Street throws at you but actually profit from it. Remember that every crisis is also an opportunity, and fortune favors the prepared mind.

If you are careful in how you construct your portfolio, then you can benefit from the fact that bull markets make you money, but in the long-term, it’s bear markets that make your rich.

Disclosure: I/we have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Tech

[awesomecolorfulcollectorwombat]

The 3 Most Valuable Investing Lessons For 2019

New Post has been published on http://webhostingtop3.com/the-3-most-valuable-investing-lessons-for-2019/

The 3 Most Valuable Investing Lessons For 2019

(Source: imgflip)

What a year it’s been! In 2017 it was market heaven for most investors.

The S&P 500 (SPY) not just delivered more than double its historical return of 9.2%, but did so with a peak decline (from all-time highs) of just 3%. That’s compared to the average intra-year peak decline of 13.8% since 1980. It was one of the best years ever, with the lowest volatility in over half a century.

Well, volatility came roaring back with a vengeance in 2018, with the stock market experiencing not just one, but two corrections. In fact, here’s how the S&P 500, Dow Jones Industrial Average (DIA), Nasdaq (QQQ), and Russell 2000 (IWM) fared by their December 24th lows (so far).

^SPX data by YCharts

The Nasdaq and Russell 2000 (small caps) were both firmly in bear markets, while the Dow and S&P came within a stone’s throw of ending the longest bull market in US history (technically, it’s still alive).

What’s more, all four major indexes are now negative for the year, which means stocks are set for their worst performance since 2008.

SPY Total Return Price data by YCharts

(Source: Wealth Of Common Sense)

But my point here isn’t to point out what a crummy year it’s been for stock investors, but rather to point out three valuable lessons we need to learn from this crazy year. Lessons that can help us not just become better investors over time, but most importantly maximize the chances of achieving our long-term financial dreams.

1. Markets Can Be Far More Volatile Than You Expect

If it feels like this has been an especially volatile time for stocks, that’s because it has been. In fact two weeks ago we had the worst week for the market since 2008, and are currently on track for the worst December since 1931 (at the peak of the Great Depression).

But the thing about volatility is that it doesn’t just come and go over time. Since 1958 market volatility has been cyclical, but trending steadily higher.

S&P 500 Trailing 12-Month Daily Return Volatility

(Source: Ploutos Research)

As Blackstone’s Byron Wien explains, this is largely a function of both the increased popularity of passive investing as well as computerized trading (which is how passive funds invest their funds).

Recent research suggests that 60%-90% of daily equity trading is now performed by algorithmic trading, up from 25% in 2004. Meanwhile, passive exchange-traded funds have directed trillions of dollars into equity markets since 2009, and the percent of the U.S. equity market share captured by passive strategies has increased from 26% at the start of 2009 to 47% as of 3Q’18. All of these trends are likely to increase volatility moving forward.” – Byron Wien (emphasis added)

In addition to market cap weighted index funds causing periods of blind selling regardless of valuations and fundamentals, you also have robo trading programs that are designed to purely sell, or even short stocks, based on certain technical indicators (which also ignore valuations and fundamentals).

As Benjamin Graham, Buffett’s mentor and the father of modern value investing, famously said:

“In the short run, the market is like a voting machine – tallying up which firms are popular and unpopular. But in the long run, the market is like a weighing machine – assessing the substance of a company.”

As December has shown us, even high-quality companies, with excellent fundamentals and strong growing cash flow, can become deeply unpopular with the market at times of extreme fear. And thanks to nearly half the market being invested in ETFs, and up to 90% of daily trading being run by computer (including based on headlines and even Trump tweets), the market can become incredibly stupid in the short-term, resulting in stock prices becoming completely disconnected from either their fundamentals or the fundamentals of the economy or overall corporate earnings.

As Albert Einstein said, “Two things are infinite, the universe and human stupidity, and I am not yet completely sure about the universe.” Well, this is also true of the market. When investors get scared enough, then the potent combination of blind ETF induced selling and computerized trading can lead to some truly shocking sharp and short-term declines.

Harvard finance professor Xavier Gabaix’s 2005 study Institutional Investors and Stock Market Volatility looked at the October 19th, 1987 (Black Monday) 22.6% stock market decline (the worst in US history). That kind of decline under standard probability theory should occur once every 4.6 billion years. However, the world is far more complex than standard deviation curves would have you believe (Black Monday was a 20 standard deviation event which is essentially impossible).

That’s why the Harvard study concluded that a Black Monday style crash (largely driven by computer trading) is actually likely to occur, on average, once every 104 years. Now that doesn’t mean that such a crash necessarily will occur with predictable frequency. As Mark Hulbert, the author of the Hulbert Financial Digest explains:

“Note carefully that this doesn’t mean a crash this big will occur every 104 years. This instead will be their average frequency over long periods. So it’s possible that we will not experience another 1987-magnitude crash in our lifetimes – or that another will occur today.” – Mark Hulbert

But while a 20+% one day crash (that plunges us instantly into a bear market) are extremely rare (but far more likely than most investors realize), severe 10% daily drops are to be expected, per Professor Gabaix, about every 13 years.

(Source: Market Watch)

5% market declines are likely to occur 61 times per century, or on average once every 1.6 years. As Hulbert points out, the last 5% one-day market decline was in August 2011, and the last 10% market decline was over 30 years ago. Thus we’re actually overdue for a single-day stock market decline that would instantly put us into a correction (or possibly a bear market).

But it’s not just wild one-day broad market declines that have investors spooked these days. Another lesson from 2018 is that even when the S&P 500 isn’t in a bear market, your portfolio might be.

2. Your Portfolio Isn’t The Stock Market And The Market Isn’t Your Portfolio

While the stock market never officially entered a bear market (defined as S&P 500 closing down 20% or more below its all-time high), on December 20th 60% of the S&P 500 companies were in one (a figure that rose to about 66% by December 24).

What’s more as far as quarters go, as of December 21st, the S&P was having its 14th worst quarter ever. On December 24th, the biggest Christmas Eve drop in history, the quarterly performance of the S&P 500 became the 9th worst ever.

S&P 500 Worst Quarters

(Source: Wealth Of Common Sense) – data as of Dec 23rd

But as bad as Q4 has been for the broader market, as we’ve just seen, individual stocks often faired far worse. On December 21st, the Russell 2000 (small caps) was suffering its fourth-worst quarter since its inception in 1979.

Russell 2000 Worst Quarters

(Source: Wealth Of Common Sense)

When the market appears to have bottomed December 24th (yet to be determined), it became the 3rd worst quarter ever for US small caps. The point is that, depending on what you actually own, even standard corrections can be far more painful at the individual level.

Which brings us to the most important lesson of all from this memorable 2018.

3. If Your Portfolio Has A Critical Point Of Failure, It Will Eventually Fail Critically

Let me be very clear that I am NOT trying to scare anyone out of long-term investing. That’s because the current economic and earnings fundamentals are still pointing to positive growth over the next year or two, and today’s valuations are extremely attractive.

(Source: FactSet Research)

For example, right now most analysts expect about 8% EPS growth for the S&P 500 next year. Even energy stocks, despite the fastest oil crash in decades (43% in two months), are expected to generate nearly double-digit earnings growth.

Today the S&P 500’s forward PE ratio is just 14.2, and most sectors are historically undervalued, especially compared to a year ago.

(Source: Fortune Financial Advisors)

What do today’s historically attractive valuations mean in terms of future returns? Well, over the short-term (1-year), it’s hard to know. But historically a forward PE of 14.2 has resulted in about 17% 12-month returns. But over the long-term (five years) total returns become far more predictable and today’s valuations point to roughly 15% returns.

Don’t trust forward PEs? Well, then let’s use trailing earnings. The S&P 500’s TTM PE is currently 19.1. The market’s 20-year average TTM PE is 19.4, which means that earnings growth next year should drive at least modest returns, even if stocks remain just fairly valued. And keep in mind that the stock market is actually one never-ending cycle of alternating greed and fear. This is why just as stocks tend to overshoot to the downside (as they just did), they also overshoot to the upside.

That’s why since 1926 the average 12-month post-correction rally (from the low) has been 34% (not counting dividends). In today’s market that would equate to a 36% total return for stocks by the end of 2019 (from December 24th close). Of course, that is merely a historical average. Historical data only shows what stocks are likely to do, and is not a guarantee of what they will do (no one can make such guarantees).

But remember those scary quarterly declines for both the S&P 500 and Russell 2000? Well, here’s the good news. After such a major shellacking, stocks almost always rally strong and hard in both the short- and long-term.

(Source: Wealth Of Common Sense)

With the exception of 2001 (9/11) and 2002 (tech bubble bursting), even small-cap stocks have never followed such a miserable quarter with a negative 12-month total return. And over three and five years periods following such quarters, negative returns have literally never happened. That’s not to say that such a thing is impossible, just highly improbable unless you get a perfect storm of events occurring. One possible catalyst for stocks to still be down in 12 months might be the US defaulting on its debt during a failed debt ceiling showdown which Goldman Sachs (GS) has warned is coming between August and October of next year.

But barring an extremely stupid and catastrophic blunder by our government, stocks are likely to be up in a year, potentially a lot, thanks to today’s highly attractive valuations.

But wait a second?! Didn’t I just warn investors that Wall Street, due to the infinite stupidity of investors and the dominance of trading by computers, can be crazy volatile? Didn’t I point out that we’re overdue for not just a 5% single market decline but even a 10% single day bloodbath? Indeed I did.

The final lesson of 2018 isn’t that investors can, or should, attempt to avoid volatility, but rather safeguard their portfolios against it.

(Source: Morningstar)

Believe it or not, stocks haven’t been the best-performing asset class in history despite gut-wrenching volatility but because of it. That’s because most of the market’s returns come from just a handful of its best single day gains, which are almost all clustered during times of peak downside volatility.

Missing just the market’s best 30 days over the past 20 years would mean that an investor in the S&P 500 would have given up all positive total returns. Miss just 50 of the best days and over 20 years, your portfolio would have declined by 60%. For context, the peak decline during the Great Recession was just 57%.

What this effectively means is that good market timing is essentially impossible, and one of the most destructive things you can try with your portfolio. Literally, billion-dollar hedge funds and large investment banks (like Goldman) have spent fortunes on trying to perfect market timing systems, including using an army of quants and AI-driven algorithms. None has yet succeeded in mastering market timing (if it had, it would own most of the world by now).

The key to harnessing the awesome wealth-building power of the stock market is not to avoid short-term volatility, but rather to avoid a large permanent loss of capital. Or as the infinitely quotable Warren Buffett put it, the key to good investing is to remember two important rules.

“Rule No. 1: Never lose money. Rule No. 2: Never forget rule No 1.” Now as always Buffettisms need to be clarified. The greatest investor in history isn’t literally saying that you can avoid losing money on every single investment you make. Rather he means all investors need to ensure their portfolios lack a critical point of failure, which results in disastrous mistakes, like selling perfectly good investments during a bear market, at ludicrously low valuations. Or to put another way, you need to avoid being a forced seller of quality stocks during a market decline.

There are two critical points of failure for most investors. The first is the use of margin. As the Oracle of Omaha explains:

“My partner Charlie says there is only three ways a smart person can go broke: liquor, ladies and leverage…Now the truth is – the first two he just added because they started with L – it’s leverage… It is crazy in my view to borrow money on securities… It’s insane to risk what you have and need for something you don’t really need… You will not be way happier if you double your net worth.” – Warren Buffett (emphasis added)

Now I too have made the mistake of falling under the siren song of margin. In fact, that’s why for the next 15 months I’ll be unable to participate in the glorious bargains all around us because I have to eliminate my leverage to zero and start building up cash reserves. I’m very fortunate that my dangerous dabbling with leverage isn’t likely to actually force me to realize terrible losses on otherwise great stocks. My best friend wasn’t so lucky. In the last 2 weeks, margin calls have forced him to realize losses that wiped out two years’ worth of gains. The price I’m paying for my mistake is missed opportunity. His is being forced to lock in catastrophic paper losses on perfectly good and ridiculously undervalued blue-chip dividend growth stocks.

While margin isn’t necessarily of the devil, Buffett’s warning against it (which I now heartily endorse and will personally live by going forward) pertains to the vast majority of people. Remember that leverage amplifies not just losses and gains, but emotions. And it’s emotions, particularly severe fear during downturns, that is the greatest single enemy of most investors.

That’s why over the past two decades, the typical retail investor has underperformed every asset class, and barely stayed ahead of inflation.

Which brings me to the biggest point of failure for most people (even those who wisely avoid margin). That would be the wrong asset allocation.

Since WWII, the average correction has lasted (peak to peak) eight months, and the average bear market (82% of which occurs during recessions) 35 months.

Since the first rule of investing is to avoid a permanent loss of capital, you need to be able to avoid panic selling even when stocks fall to shockingly low levels (and with sometimes terrifying speed). This is where the right capital allocation comes in. Asset allocation simply means your portfolio’s mix of cash/bonds/stocks.

The right asset allocation is essential to being able to emotionally and financially endure the market’s inevitable future declines. The right asset allocation will differ for everyone based on your risk tolerances, goals, time horizon, portfolio size, income, savings rate, etc. You can talk to a certified financial planner (a fee-only Fiduciary that can’t peddle you expensive mutual funds they get kickbacks on is best) to determine the right asset allocation for you.

Note that your asset allocation will change over time, and might require periodic portfolio rebalancing (as stocks and bonds in it rise and fall and your life circumstances change).

(Source: Charles Schwab)

Here’s an example of the standard asset allocation Schwab recommends for the typical retiree. Those are some good overall asset allocation recommendations, but here’s the most important thing to remember during corrections and bear markets.

Cash is king. Or more specifically, cash is what pays the bills during retirement (and allows you to buy quality stocks at fire-sale prices). Since the average bear market lasts for three years (before stocks are back to all-time highs), you want to have three years’ worth of cash available to supplement social security and any pension you may have. What if the bear market is more severe and longer than average?

(Source: Moon Capital Management)

That’s certainly possible. The longest recovery time (from the bear market low to fresh all-time highs) was 69 months or nearly six years. This is where bonds come in. Not just do they provide income, but due to falling interest rates and a flight to safety, bonds tend to rise during a bear market.

So if you are tapped out on cash equivalents (like Treasury notes and money market accounts), you will likely be able to sell bonds at a profit to cover your expenses. And since cash doesn’t decline in value, and bonds tend to rise during a big decline, your cash/bond allocation will help decrease your overall portfolio’s decline, making it easier to avoid panic selling your stocks (emotional point of failure).

For most people being 100% in stocks is a bad idea. Unless your portfolio is large enough to live entirely off safe and growing dividends during retirement (the goal of my new Deep Value Dividend Growth Portfolio), you will need some cash and bonds to be able to take full advantage of the wealth-building power of stocks. Remember the best stock investing strategy on earth is useless if you can’t emotionally or financially stick to it through the entire market cycle.

During corrections (or possibly a non-recessionary bear market) like this, peak market declines and recovery times are shorter than during a typical bear market. So use how you’re feeling now to test your risk tolerance and determine if your asset allocation is actually right for you.

If you’re losing sleep now, when stocks appear to have bottomed after merely a 19.8% decline, you’ll want to make sure that you are less exposed to stocks when the real bear market finally arrives. That can help you avoid emotions (or financial necessity) being your critical point of failure, no matter how unpredictable or crazy the infinitely irrational (in the short-term) and increasingly computer-driven market becomes.

Bottom Line: A Crazy 2018 Serves To Teach Valuable Lessons For 2019 And Far Beyond

I’ve been investing since the age of nine (23 years). And I’ve been a professional analyst/investment writer for four. Yet 2018 has still been eye-opening for me, highlighting the fact that the only predictable thing about Wall Street is its unpredictability.

Don’t let 2017’s freakishly small drawdown fool you. Volatility is not just normal, but has been gradually rising over time, thanks to the growing popularity of ETFs and computerized trading. In the future, we can expect not just similar volatility, but possibly some REALLY wild short-term swings, including a 10% single-day market flash crash that’s now historically overdue.

And while the media may fixate on the broader market (S&P 500 most of all), the fact is that even a moderate downturn, like this correction, can translate into a bear market for even high-quality stocks (including blue-chips and dividend aristocrats and kings) and individual investor portfolios.

But don’t let high volatility and the occasional bear market scare you away from the most time-tested and effective way of building long-term wealth ever discovered. The market’s great historical returns are not despite volatility, but a direct result of the very same short-term gut-wrenching declines investors so fear and hate.

That’s why the most important lesson from this wild 2018 is that risk management isn’t just important, it’s the most critical part of your long-term investing plan. The best investing strategy in the world will prove utterly useless if your emotions or finances don’t allow you to stick with it long enough to work.

Investors need to make sure their asset allocation is right for them. This means holding the right mix of cash/bonds/stocks to both meet their long-term financial goals, BUT also stay calm during the inevitable correction and bear market. And if you want to use margin, just remember to use it with EXTREME caution because it’s a powerful tool that can both greatly increase wealth and also destroy it with alarming speed and violence.

Ultimately the goal of every investor must be to build a bunker portfolio that is based on the motto “hope for the best, but plan for the worst”. While it’s popular to speculate about what will happen in the next quarter or year in terms of the economy or corporate earnings, the fact is that no one knows what craziness the market will bring in the short-term.

So rather than obsess over market timing (historically impossible even for the largest financial institutions) and trying to avoid short-term volatility, investors need to be prepared not just to survive whatever Wall Street throws at you but actually profit from it. Remember that every crisis is also an opportunity, and fortune favors the prepared mind.

If you are careful in how you construct your portfolio, then you can benefit from the fact that bull markets make you money, but in the long-term, it’s bear markets that make your rich.

Disclosure: I/we have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Tech

[lazilysillyprince]

The 3 Most Valuable Investing Lessons For 2019

New Post has been published on http://webhostingtop3.com/the-3-most-valuable-investing-lessons-for-2019/

The 3 Most Valuable Investing Lessons For 2019

(Source: imgflip)

What a year it’s been! In 2017 it was market heaven for most investors.

The S&P 500 (SPY) not just delivered more than double its historical return of 9.2%, but did so with a peak decline (from all-time highs) of just 3%. That’s compared to the average intra-year peak decline of 13.8% since 1980. It was one of the best years ever, with the lowest volatility in over half a century.

Well, volatility came roaring back with a vengeance in 2018, with the stock market experiencing not just one, but two corrections. In fact, here’s how the S&P 500, Dow Jones Industrial Average (DIA), Nasdaq (QQQ), and Russell 2000 (IWM) fared by their December 24th lows (so far).

^SPX data by YCharts

The Nasdaq and Russell 2000 (small caps) were both firmly in bear markets, while the Dow and S&P came within a stone’s throw of ending the longest bull market in US history (technically, it’s still alive).

What’s more, all four major indexes are now negative for the year, which means stocks are set for their worst performance since 2008.

SPY Total Return Price data by YCharts

(Source: Wealth Of Common Sense)

But my point here isn’t to point out what a crummy year it’s been for stock investors, but rather to point out three valuable lessons we need to learn from this crazy year. Lessons that can help us not just become better investors over time, but most importantly maximize the chances of achieving our long-term financial dreams.

1. Markets Can Be Far More Volatile Than You Expect

If it feels like this has been an especially volatile time for stocks, that’s because it has been. In fact two weeks ago we had the worst week for the market since 2008, and are currently on track for the worst December since 1931 (at the peak of the Great Depression).

But the thing about volatility is that it doesn’t just come and go over time. Since 1958 market volatility has been cyclical, but trending steadily higher.

S&P 500 Trailing 12-Month Daily Return Volatility

(Source: Ploutos Research)

As Blackstone’s Byron Wien explains, this is largely a function of both the increased popularity of passive investing as well as computerized trading (which is how passive funds invest their funds).

Recent research suggests that 60%-90% of daily equity trading is now performed by algorithmic trading, up from 25% in 2004. Meanwhile, passive exchange-traded funds have directed trillions of dollars into equity markets since 2009, and the percent of the U.S. equity market share captured by passive strategies has increased from 26% at the start of 2009 to 47% as of 3Q’18. All of these trends are likely to increase volatility moving forward.” – Byron Wien (emphasis added)

In addition to market cap weighted index funds causing periods of blind selling regardless of valuations and fundamentals, you also have robo trading programs that are designed to purely sell, or even short stocks, based on certain technical indicators (which also ignore valuations and fundamentals).

As Benjamin Graham, Buffett’s mentor and the father of modern value investing, famously said:

“In the short run, the market is like a voting machine – tallying up which firms are popular and unpopular. But in the long run, the market is like a weighing machine – assessing the substance of a company.”

As December has shown us, even high-quality companies, with excellent fundamentals and strong growing cash flow, can become deeply unpopular with the market at times of extreme fear. And thanks to nearly half the market being invested in ETFs, and up to 90% of daily trading being run by computer (including based on headlines and even Trump tweets), the market can become incredibly stupid in the short-term, resulting in stock prices becoming completely disconnected from either their fundamentals or the fundamentals of the economy or overall corporate earnings.

As Albert Einstein said, “Two things are infinite, the universe and human stupidity, and I am not yet completely sure about the universe.” Well, this is also true of the market. When investors get scared enough, then the potent combination of blind ETF induced selling and computerized trading can lead to some truly shocking sharp and short-term declines.

Harvard finance professor Xavier Gabaix’s 2005 study Institutional Investors and Stock Market Volatility looked at the October 19th, 1987 (Black Monday) 22.6% stock market decline (the worst in US history). That kind of decline under standard probability theory should occur once every 4.6 billion years. However, the world is far more complex than standard deviation curves would have you believe (Black Monday was a 20 standard deviation event which is essentially impossible).

That’s why the Harvard study concluded that a Black Monday style crash (largely driven by computer trading) is actually likely to occur, on average, once every 104 years. Now that doesn’t mean that such a crash necessarily will occur with predictable frequency. As Mark Hulbert, the author of the Hulbert Financial Digest explains:

“Note carefully that this doesn’t mean a crash this big will occur every 104 years. This instead will be their average frequency over long periods. So it’s possible that we will not experience another 1987-magnitude crash in our lifetimes – or that another will occur today.” – Mark Hulbert

But while a 20+% one day crash (that plunges us instantly into a bear market) are extremely rare (but far more likely than most investors realize), severe 10% daily drops are to be expected, per Professor Gabaix, about every 13 years.

(Source: Market Watch)

5% market declines are likely to occur 61 times per century, or on average once every 1.6 years. As Hulbert points out, the last 5% one-day market decline was in August 2011, and the last 10% market decline was over 30 years ago. Thus we’re actually overdue for a single-day stock market decline that would instantly put us into a correction (or possibly a bear market).

But it’s not just wild one-day broad market declines that have investors spooked these days. Another lesson from 2018 is that even when the S&P 500 isn’t in a bear market, your portfolio might be.

2. Your Portfolio Isn’t The Stock Market And The Market Isn’t Your Portfolio

While the stock market never officially entered a bear market (defined as S&P 500 closing down 20% or more below its all-time high), on December 20th 60% of the S&P 500 companies were in one (a figure that rose to about 66% by December 24).

What’s more as far as quarters go, as of December 21st, the S&P was having its 14th worst quarter ever. On December 24th, the biggest Christmas Eve drop in history, the quarterly performance of the S&P 500 became the 9th worst ever.

S&P 500 Worst Quarters

(Source: Wealth Of Common Sense) – data as of Dec 23rd

But as bad as Q4 has been for the broader market, as we’ve just seen, individual stocks often faired far worse. On December 21st, the Russell 2000 (small caps) was suffering its fourth-worst quarter since its inception in 1979.

Russell 2000 Worst Quarters

(Source: Wealth Of Common Sense)

When the market appears to have bottomed December 24th (yet to be determined), it became the 3rd worst quarter ever for US small caps. The point is that, depending on what you actually own, even standard corrections can be far more painful at the individual level.

Which brings us to the most important lesson of all from this memorable 2018.

3. If Your Portfolio Has A Critical Point Of Failure, It Will Eventually Fail Critically

Let me be very clear that I am NOT trying to scare anyone out of long-term investing. That’s because the current economic and earnings fundamentals are still pointing to positive growth over the next year or two, and today’s valuations are extremely attractive.

(Source: FactSet Research)

For example, right now most analysts expect about 8% EPS growth for the S&P 500 next year. Even energy stocks, despite the fastest oil crash in decades (43% in two months), are expected to generate nearly double-digit earnings growth.

Today the S&P 500’s forward PE ratio is just 14.2, and most sectors are historically undervalued, especially compared to a year ago.

(Source: Fortune Financial Advisors)

What do today’s historically attractive valuations mean in terms of future returns? Well, over the short-term (1-year), it’s hard to know. But historically a forward PE of 14.2 has resulted in about 17% 12-month returns. But over the long-term (five years) total returns become far more predictable and today’s valuations point to roughly 15% returns.

Don’t trust forward PEs? Well, then let’s use trailing earnings. The S&P 500’s TTM PE is currently 19.1. The market’s 20-year average TTM PE is 19.4, which means that earnings growth next year should drive at least modest returns, even if stocks remain just fairly valued. And keep in mind that the stock market is actually one never-ending cycle of alternating greed and fear. This is why just as stocks tend to overshoot to the downside (as they just did), they also overshoot to the upside.

That’s why since 1926 the average 12-month post-correction rally (from the low) has been 34% (not counting dividends). In today’s market that would equate to a 36% total return for stocks by the end of 2019 (from December 24th close). Of course, that is merely a historical average. Historical data only shows what stocks are likely to do, and is not a guarantee of what they will do (no one can make such guarantees).

But remember those scary quarterly declines for both the S&P 500 and Russell 2000? Well, here’s the good news. After such a major shellacking, stocks almost always rally strong and hard in both the short- and long-term.

(Source: Wealth Of Common Sense)

With the exception of 2001 (9/11) and 2002 (tech bubble bursting), even small-cap stocks have never followed such a miserable quarter with a negative 12-month total return. And over three and five years periods following such quarters, negative returns have literally never happened. That’s not to say that such a thing is impossible, just highly improbable unless you get a perfect storm of events occurring. One possible catalyst for stocks to still be down in 12 months might be the US defaulting on its debt during a failed debt ceiling showdown which Goldman Sachs (GS) has warned is coming between August and October of next year.

But barring an extremely stupid and catastrophic blunder by our government, stocks are likely to be up in a year, potentially a lot, thanks to today’s highly attractive valuations.

But wait a second?! Didn’t I just warn investors that Wall Street, due to the infinite stupidity of investors and the dominance of trading by computers, can be crazy volatile? Didn’t I point out that we’re overdue for not just a 5% single market decline but even a 10% single day bloodbath? Indeed I did.

The final lesson of 2018 isn’t that investors can, or should, attempt to avoid volatility, but rather safeguard their portfolios against it.

(Source: Morningstar)

Believe it or not, stocks haven’t been the best-performing asset class in history despite gut-wrenching volatility but because of it. That’s because most of the market’s returns come from just a handful of its best single day gains, which are almost all clustered during times of peak downside volatility.

Missing just the market’s best 30 days over the past 20 years would mean that an investor in the S&P 500 would have given up all positive total returns. Miss just 50 of the best days and over 20 years, your portfolio would have declined by 60%. For context, the peak decline during the Great Recession was just 57%.

What this effectively means is that good market timing is essentially impossible, and one of the most destructive things you can try with your portfolio. Literally, billion-dollar hedge funds and large investment banks (like Goldman) have spent fortunes on trying to perfect market timing systems, including using an army of quants and AI-driven algorithms. None has yet succeeded in mastering market timing (if it had, it would own most of the world by now).

The key to harnessing the awesome wealth-building power of the stock market is not to avoid short-term volatility, but rather to avoid a large permanent loss of capital. Or as the infinitely quotable Warren Buffett put it, the key to good investing is to remember two important rules.

“Rule No. 1: Never lose money. Rule No. 2: Never forget rule No 1.” Now as always Buffettisms need to be clarified. The greatest investor in history isn’t literally saying that you can avoid losing money on every single investment you make. Rather he means all investors need to ensure their portfolios lack a critical point of failure, which results in disastrous mistakes, like selling perfectly good investments during a bear market, at ludicrously low valuations. Or to put another way, you need to avoid being a forced seller of quality stocks during a market decline.

There are two critical points of failure for most investors. The first is the use of margin. As the Oracle of Omaha explains:

“My partner Charlie says there is only three ways a smart person can go broke: liquor, ladies and leverage…Now the truth is – the first two he just added because they started with L – it’s leverage… It is crazy in my view to borrow money on securities… It’s insane to risk what you have and need for something you don’t really need… You will not be way happier if you double your net worth.” – Warren Buffett (emphasis added)

Now I too have made the mistake of falling under the siren song of margin. In fact, that’s why for the next 15 months I’ll be unable to participate in the glorious bargains all around us because I have to eliminate my leverage to zero and start building up cash reserves. I’m very fortunate that my dangerous dabbling with leverage isn’t likely to actually force me to realize terrible losses on otherwise great stocks. My best friend wasn’t so lucky. In the last 2 weeks, margin calls have forced him to realize losses that wiped out two years’ worth of gains. The price I’m paying for my mistake is missed opportunity. His is being forced to lock in catastrophic paper losses on perfectly good and ridiculously undervalued blue-chip dividend growth stocks.

While margin isn’t necessarily of the devil, Buffett’s warning against it (which I now heartily endorse and will personally live by going forward) pertains to the vast majority of people. Remember that leverage amplifies not just losses and gains, but emotions. And it’s emotions, particularly severe fear during downturns, that is the greatest single enemy of most investors.

That’s why over the past two decades, the typical retail investor has underperformed every asset class, and barely stayed ahead of inflation.

Which brings me to the biggest point of failure for most people (even those who wisely avoid margin). That would be the wrong asset allocation.

Since WWII, the average correction has lasted (peak to peak) eight months, and the average bear market (82% of which occurs during recessions) 35 months.

Since the first rule of investing is to avoid a permanent loss of capital, you need to be able to avoid panic selling even when stocks fall to shockingly low levels (and with sometimes terrifying speed). This is where the right capital allocation comes in. Asset allocation simply means your portfolio’s mix of cash/bonds/stocks.

The right asset allocation is essential to being able to emotionally and financially endure the market’s inevitable future declines. The right asset allocation will differ for everyone based on your risk tolerances, goals, time horizon, portfolio size, income, savings rate, etc. You can talk to a certified financial planner (a fee-only Fiduciary that can’t peddle you expensive mutual funds they get kickbacks on is best) to determine the right asset allocation for you.

Note that your asset allocation will change over time, and might require periodic portfolio rebalancing (as stocks and bonds in it rise and fall and your life circumstances change).

(Source: Charles Schwab)

Here’s an example of the standard asset allocation Schwab recommends for the typical retiree. Those are some good overall asset allocation recommendations, but here’s the most important thing to remember during corrections and bear markets.

Cash is king. Or more specifically, cash is what pays the bills during retirement (and allows you to buy quality stocks at fire-sale prices). Since the average bear market lasts for three years (before stocks are back to all-time highs), you want to have three years’ worth of cash available to supplement social security and any pension you may have. What if the bear market is more severe and longer than average?

(Source: Moon Capital Management)

That’s certainly possible. The longest recovery time (from the bear market low to fresh all-time highs) was 69 months or nearly six years. This is where bonds come in. Not just do they provide income, but due to falling interest rates and a flight to safety, bonds tend to rise during a bear market.

So if you are tapped out on cash equivalents (like Treasury notes and money market accounts), you will likely be able to sell bonds at a profit to cover your expenses. And since cash doesn’t decline in value, and bonds tend to rise during a big decline, your cash/bond allocation will help decrease your overall portfolio’s decline, making it easier to avoid panic selling your stocks (emotional point of failure).

For most people being 100% in stocks is a bad idea. Unless your portfolio is large enough to live entirely off safe and growing dividends during retirement (the goal of my new Deep Value Dividend Growth Portfolio), you will need some cash and bonds to be able to take full advantage of the wealth-building power of stocks. Remember the best stock investing strategy on earth is useless if you can’t emotionally or financially stick to it through the entire market cycle.

During corrections (or possibly a non-recessionary bear market) like this, peak market declines and recovery times are shorter than during a typical bear market. So use how you’re feeling now to test your risk tolerance and determine if your asset allocation is actually right for you.

If you’re losing sleep now, when stocks appear to have bottomed after merely a 19.8% decline, you’ll want to make sure that you are less exposed to stocks when the real bear market finally arrives. That can help you avoid emotions (or financial necessity) being your critical point of failure, no matter how unpredictable or crazy the infinitely irrational (in the short-term) and increasingly computer-driven market becomes.

Bottom Line: A Crazy 2018 Serves To Teach Valuable Lessons For 2019 And Far Beyond

I’ve been investing since the age of nine (23 years). And I’ve been a professional analyst/investment writer for four. Yet 2018 has still been eye-opening for me, highlighting the fact that the only predictable thing about Wall Street is its unpredictability.

Don’t let 2017’s freakishly small drawdown fool you. Volatility is not just normal, but has been gradually rising over time, thanks to the growing popularity of ETFs and computerized trading. In the future, we can expect not just similar volatility, but possibly some REALLY wild short-term swings, including a 10% single-day market flash crash that’s now historically overdue.

And while the media may fixate on the broader market (S&P 500 most of all), the fact is that even a moderate downturn, like this correction, can translate into a bear market for even high-quality stocks (including blue-chips and dividend aristocrats and kings) and individual investor portfolios.

But don’t let high volatility and the occasional bear market scare you away from the most time-tested and effective way of building long-term wealth ever discovered. The market’s great historical returns are not despite volatility, but a direct result of the very same short-term gut-wrenching declines investors so fear and hate.

That’s why the most important lesson from this wild 2018 is that risk management isn’t just important, it’s the most critical part of your long-term investing plan. The best investing strategy in the world will prove utterly useless if your emotions or finances don’t allow you to stick with it long enough to work.

Investors need to make sure their asset allocation is right for them. This means holding the right mix of cash/bonds/stocks to both meet their long-term financial goals, BUT also stay calm during the inevitable correction and bear market. And if you want to use margin, just remember to use it with EXTREME caution because it’s a powerful tool that can both greatly increase wealth and also destroy it with alarming speed and violence.

Ultimately the goal of every investor must be to build a bunker portfolio that is based on the motto “hope for the best, but plan for the worst”. While it’s popular to speculate about what will happen in the next quarter or year in terms of the economy or corporate earnings, the fact is that no one knows what craziness the market will bring in the short-term.

So rather than obsess over market timing (historically impossible even for the largest financial institutions) and trying to avoid short-term volatility, investors need to be prepared not just to survive whatever Wall Street throws at you but actually profit from it. Remember that every crisis is also an opportunity, and fortune favors the prepared mind.

If you are careful in how you construct your portfolio, then you can benefit from the fact that bull markets make you money, but in the long-term, it’s bear markets that make your rich.

Disclosure: I/we have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Tech

[classycollectorartisanposts-blog]

Ursa Illinois Cheap car insurance quotes zip 62376

"Ursa Illinois Cheap car insurance quotes zip 62376

Ursa Illinois Cheap car insurance quotes zip 62376

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

RELATED QUESTIONS: 

How do you find out if buisness's / companys have insurance?

how do you find out if a newspaper company has insurance

Car insurance?

So im thinking of getting a car... but im 16 so i know insurance is gonna be insane, and im in MA so its mandatory. Anyways from what i understand it cost way less to get added to your parents policy. But can i do that if im not driving their car, but my own car i bought (not yet)? I cant buy the car in their name... has to be in mine...""

Does a classic muscle car cost more to drive?

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

Any affordable life insurance policies?

41 yrs old now and considering shopping for a life ins policy in the event that something were to happen to me I would want wife and son to be left with a little something to care for house payoff maybe and other things. Nothing crazy but I just want them to have a cushion in case. Any thoughts??

Inifiniti G37 insurance for 18 year old?

Ok i live in new york and im 18 and a new driver.... i keep hearing that it would cost over 700 dollars a month to insure it ..... is that true ? i know there is alot of variables but i wanna know is it possible ?

Can i get my own car insurance ?

i am 18 and my mom cant afford to have me on her car insurance can i get my own???

Do I pay the excess on my car insurance when a claim is made against me?

I know that I have to pay when I make a claim on my car insurance, but im not sure if when someone makes a claim against me if I have to pay the excess in that instance?""

How much should a insurance company pay for a car accident that left me disabled for the rest of my life?

I have had 1 surgery and may need another on my back. I can no longer do the things i use to enjoy. I have a 7 year old that I can't do the things i use to do and should be able to. I'm now on pain management. The pain and suffering goes beyond just the usual. I just want to know what i should expect from the insurance company beyond my doctor bills?

Steps to getting your life insurance license in CA?

I have no previous experience with Life Insurance and am considering getting my life insurance license. What are the steps involved, how long does it take, how much does it cost, and how difficult is the test? Anyone help?""

""Hit by a person with no car insurance, now what?""

I was rear ended by a kid that has no car insurance. He license was also suspended because of this. I called the police and filed a report with my insurance company. Do I have other options? I feel I should not put out a cent as I was not at fault. I have to pay my deductible and I know my insurance will go up, no matter what they say...""

Insurance wise is a 89 firebird a sports car?

Does geico consider a 89 firebird a sports car?

How much would insurance for cars be around for 18 year olds ?

How much would insurance for cars be around for 18 year olds ?

How much would the in insurance be on a 1985 CHEVROLET CAMARO Z28?

i just turend 16 and ill get my licenes in about 3 months and i saw a 1985 CHEVROLET CAMARO Z28 the other day that im thinking about buying and i was wondering about how much the ...show more

Do I need car insurance if I drive on a learner's permit with a parent?

Also, do I need car insurance if I drive with a driver's license and with a parent. Also, this car is not mine, it is my parents.""

WHAT CLASSIC CAR INSURANCE COMPANY WILL INSURE ME AT 17?

in ON canada what classic car insurance company will insure a 17 year old with a classic car

""Which Car insurance is the best , and about how much does it cost?

how much does insurance cost for a 16 teen and which insurance is the best just asking

I need 3 insurances anyone know good insurances?

I need three insurances. Does anybody know any very good insurances? The insurance I have is freaking crap, so I want to change everything, so I need 3 insurances. I want the best ones but I know those ones are high price that's what I was told, so I just need 3 very good ones with a reasonable price. The 3 insurances I need are cosmetic dental, pet insurance, sports insurance. Went to the dentist and found that I need little work and all of the work is cosmetic. Insurance that I have doesn't cover cosmetic things. I have 3 pets and I need pet insurance. The last one I need is a sports one. My insurance won't cover sports or fitness. I need sports insurance that is great. The sport that I'm trying to get into is wrestling yes professional wrestling like WWE type. I need sports or extreme sports insurance that will cover on those type of extreme sports. I was told that There is a insurance that covers everything sports, cosmetic and pet insurance but I don't know how true that is, but if there's a one please tell me. Anyways anybody let about these 3 insurance that I need. Thank You so much to whoever read and answers my question and helping me. Thank You.""

How much should an 18 year old female pay for car insurance?

I live in Nevada and am 18 years old,I am paying 1,000 for a six month premium.so thats like 200 dollars each month.I thought that was normal but then all my friends were telling me I was paying too much.One of my friends pays only 1,300 for a full year and she has a brand new car and is younger than me.I have a used 1995 honda passport.And its only liability im paying.I have been in no wrecks at all and have had no tickets.My driving record is clean.My friends were shocked,they said i was getting ripped off,they told me I should only be paying like 100 dollars a month.is this true?Even when I had my older car i was still paying 200 a month and it was an old 1988 beat up honda with liabilty and that doesnt sound right at all.my other friend as an old car and pays 80 a month.Im with a local company and i went with it because my parents told me it was the cheapest and I figured they were right, I figured all the bigger companies life state farm and progressive would be more.""

Car insurance?

I am an international student in US and I am going to buy a car. However, I don't know which insurance company has car insurance for international student. Can anyone tell me some infomation about it, scuh as the name of the company or how much it costs?""

Motorcycle Insurance?

Ive been trying to find online quotes but am unable to (don't know why, but they cant give me a quote online). Anyways I was just wondering what insurance company would you recommend for motorcycle insurance? I want to buy a bike, I don't have my M1 (because I don't want to take the test before getting the bike), and obviously I've never taken the motorcycle course. Yea I know it would be hard to get a quote given that I have zero riding experience or licensing but cmon do you really expect me to get my license only to have it expire in 90 days without even having a bike yet? Anyways when you started out what kind of insurance were you paying and with who? Also is 600cc pushing it? will that screw me over for insurance? I was looking into getting a honda 600. Thanks!""

Pitbike insurance where is the best place?

Im looking into getting a thumpstar road ripper 50cc for when im 16 very soon! and i'd like an insurance quote off the internet anybody know a good website?

Help understanding auto insurance settlement and if I need to seek legal help?

My 17 year old son was driving his 2003 Ford Explorer, when he was hit by another vehicle. My son was approaching a stop light and traveling between 3-5 mph....The vehicle that struck him was a company work vehicle. The work truck was pulling out of a parking lot when he hit my son. His estimated speed was also 3-5 mph. There were no injuries at all, and there was no medical treatment sought. This all happened on April 10th 2011. It was found that driver of the work truck was at fault for inattention. Honestly, this guy was super nice and walked my son through the process of calling police etc til I could get there....Now dealing with the Companies insurance carrier has been a headache!!!! here is the basic timeline....Explorer still drivable....Had to wait 10 days for police report....contacted Company that owned work truck, and they forwarded me to their insurance co....Was advised to seek several estimates, and fax them over....Faxed over estimates to adjuster. All estimates exceeded 5k....Stated she would have to contact an adjuster from local area to work this. Local adjuster came out. Estimated damages to be 3300.00. Insurance Company sent me check for 3300.00 and advised me when vehicle repaired, auto shop would need to work with adjuster on any additional repairs and costs. Explorer was in shop 30 days before finally being totaled. Local adjuster was horrible to work with, did not communicate with body shop, etc. I finally contacted the insurance company, and told them I refused to deal wither contracted adjuster etc. Now that the vehicle has been totaled, they don't want to pay what I think is fair. The insurance company wants to settle for $6928 plus $367 for taxes. Clean retail for the Explorer is $8100. This is for my area. I have been car shopping for 2 days straight. can't find anything comparable with the money they gave me etc. I have taken off work to deal with this etc, been going on for 2 months plus, and Iam worn out with it all...All I want is for my kid to be back in a safe reliable vehicle. The insurance company did provide a rental car. I had to drive it, my son had to take my car, my other son had bought our car from us, but can't get it yet, because the other needs it for work school etc....I am so frustrated with the ins ompany""

""Im a new G2 driver, and im thinking on getting second driver insurance on my moms car.?""

how much do u think it will add onto the insurance already?, its a 2003 ford focus""

Why can't I get quoted on the same model but older year of a car?

Hi I'm 18 and have just passed my test. I was looking to get a diesel fiesta, the 1.6 TDCi Zetec S to be exact. I was checking out quotes on insurance on them. For some reason I get quoted and can insure the 2007 and 2008 models, but the ones before that I don't get a quote. I looked up the cars specifications for all years and they all have the same torque, bhp, weight & everything. I wanted to know why I can't get quoted on the older models?""

""Got a speeding ticket, how can I make sure my insurance doesn't go up?""

I'm 19 and I just got my first speeding ticket. If I pay for a lawyer to plead not guilty and get my demerit points removed, will that guaranty that my insurance rate will stay the same? (I live in Canada)""

Ursa Illinois Cheap car insurance quotes zip 62376

Ursa Illinois Cheap car insurance quotes zip 62376

Is insurance cheaper for a stick shift or automatic car?

Or it doesn't matter?

Car insurance on eclipse?

i recently had suv and a pickup truck. ar insurance is about $500 a year through farm family were on the farm policy so its a lot cheaper. I recently sold my truck (diesel) got tires of the awful gas milage (ford f-250). with the cost of diesel going way up again it was costing on empty-full $150 thats total b.s. anyway i been looking to get something with good gas milage that does not cost a lot to fill up. i have been looking into cars and taken carefully into consideration they get better milage but i have seen cars even is 20 mph accidents totaled. my next question is how much would car insurance be on a eclipse. if i did get a car i don't want a pice of junk looking old lady car i would want something that looks very nice. i was looking into the mit. eclipse/spider. was curious how much car insurance was if i stayed with farm family. i was going to call and ask them but i don't have the physical car yet and they would need to know exactly what kind of car year etc it is to give me the exact amount. I'm 22 years old with 5 years driving experience. only 1 accident. (old person was in hurry to airport for vacation told me and cop he did not think it it was needed to stop so he ran stop sign and hit me. i have owned 2 pick ups, 1 trail blazer. pickups, ad suv's fall under farm category cars don't so i am sure it would be more then what i pay now. i don't want to switch insurance either i hear horror stores with others. farm family paid me every time that week for accident repair i hear others you won't hear from them or they don't pay you or hospital bills if its needed farm family does. my spelling is not the greatest at it i got a little lazy.""

How should health insurance companies thank Obama?

I just found out that my health insurance, which used to have a $500.00 deductible, will now be MORE expensive and will now come with a 5,000.00 deductible!! Which means, in order to see any benefit at all, I have to fork over $7,000.00 of MY OWN MONEY!! Which basically means, I have no health insurance now yet I still have to pay for it because it is now the law! If I don't, I get garnished. Asking around, I have learned that this is happening to everybody. So instead of getting MORE people covered by health care, Obamacare is getting millions of people effectively kicked off! But because of the law, we still have to pay the insurance companies, while they are free to raise the deductible to the point where their only purpose is to sit back and collect our money. Great. So I think the insurance companies should fork over a big, fat billion dollars to Obama for the all the cash he sent them!""

17 year old male car insurance!?

I am 16 (soon to turn 17) and I already have my lessons and car sorted out. If I passed my theory and practical test first time I am looking at getting a 1.0L Toyota Yaris in mid-September. I live in Blackpool (UK). I have been looking at quotes and insurance companies for ages but I can't find a consistent price. I was wondering (roughly) how much my insurance would be with and with-out a black box and any ideas for which insurance company to go for?

Where is the cheapest place to get Auto Insurance? In Canada?

New truck - need help.. :D ty

What are the Best Life insurance companies out there ?

We are looking for term Life insurance for my dad -He is 48 years old. -He drinks occasionally -Tobacco user -full time Truck driver -Has Type 2 Diabetes (Right now its not in control he had high Hcl results last time he got his lab done ) -He applied for New york life insurance and they denied his application coz of high blood sugar results ) so what company can provide him good coverage with affordable price or its just impossible for Diabetes patient to get a life insurance ? what are the high rating insurance companies out there ? I searched online but when it comes to reviews every company has 50/50 good and bad reviews .doN'T KNOW HAT TO DO.!

Can anyone help with car insurance?

I'm 17 and I passed my test about 2 months ago. I am looking to buy a Peugeot 306 and insure it with my mum as main driver as she is not a main driver on any another policy then have me as named driver. The only problem is that she doesnt have any No Claims Bonus as she is named driver on my dad's insurance. Could anyone tell me which company might be cheapest to do this with please?

""17 Starting to drive, any cheap insurance sites?""

I'm now 17 and i am having driving lessons, i was just wondering if you know of any cheap insurance sites? Thanks""

Not continuously insured? Car insurance?

I sold my car two weeks ago and canceled both the insurance and revoked the registration for the new person. I just bought a new car and tried to get insurance and the company is saying they can't do it because I haven't been continuously insured. How am I supposed to be continuously insured if I didn't own ANY vehicle for two weeks? This makes no sense to me. Now they refuse to give me a quote.

Who offers affordable home owners insurance in south florida?

trying to buy a house in south florida and I need a good and affordable company for my home owners ins.

Question about car insurance?

okay so i was recently in an car accident and my car was a total loss. The accident is not my fault. I received my settlement check for my vehicle after paying my deductible for my insurance company. 2 months later now I received another check from the other insurance company at fault with an attached form stating that the check is for repairing the damages on my vehicle. Is this check safe for me to cash out? Not complaining of getting extra money, but Im just curious why would i get another check when i already got a whole settlement check from my insurance company. Shouldnt the other insurance be paying my insurance company instead? any help would be great.""

Non owners insurance?

Where can I find good quality, affordable non owners insurance I live in Elmwood park,Il...""

I need help with car insurance?

So I don't have a license yet, but im workin on it. I seen a car that I want now b4 its too late n sumbody buys it. My mom has a car n her n my dad r on the same insurance, he pays it tho. SO heres what i wanna do... Can I buy the car n then get insurance in my moms name or is there sumthin i can do like let the car sit til i get my license?? I would have to get the car home tho, but it wont be insured on the ride home(is there sum temp insurance)... I mean the car is steal, n i need to get it now b4 sumbody buys it!! Its in Ohio, if that matters...""

Do you have to have a valid drivers license to purchase car insurance in Arizona?

I do not have a drivers license, however I do have the money to buy a car. If I buy the car, can I get insurance on it until I do have a drivers license? Could someone else drive it during this time? Would I need to put them on the insurance? What if I was making payments on the car still? I have an opportunity to buy this car now and I would like to, but like I said, I don't have a license. Thanks.""

How far back in your driving record do insurance agents look when determining your car insurance rate?

How far back in your driving record do insurance agents look when determining your car insurance rate?

Getting married and need help with insurance?

My parents have Cigna insurance. I understand that I am no longer a considered an eligible dependent when I am legally married, but I am also a full time student. Which status is the dependent variable when considering eligibility? If I'm married AND a full time college student, does that mean I can't get coverage?""

How much is car and home insurance?

sorry this is kinda long.. but... im doing a project for economics class. and we have to figure out our future, like make a resume and a job app a cover letter, and all this other stuff after we picked a career we are interested in doing with our lives. so, we have to figure out our budget like housing stuff, housing bills, transportation like car insurance and car payment. investing and miscelaneous like cell phone bills internet and entertainment to name a few.. after this. we take our total monthly net pay, and subtract our total monthly expenses and thats our remaining income just for whatever. but i am having trouble finding house insurance, and car insurance. all i am getting from searching is quotes, and i dont need that.. i jus need a straight up dollar amount. if anyone can help.. that would be great.. thanks.""

Someone at fault with no insurance suing my insurance?

I was t-boned at an intersection by a lady who had no insurance, no license and who ran a red light (she was ticketed for all 3). I filed under uninsured motorist claim and my deductible is $250. She tried making a claim against my insurance, but it was obviously denied. She is now saying she is contacting an attorney because the officers at the accident were corrupt ...Can she sue and will she likely get anything? Can I counter sue for the decidable?""

If I show proof of insurance?

I was driving my car on the clock. I use my vehicle as a work vehicle. Anyways I was sent to the store to purchase sodas. when I tapped a vehicle on the rear bumper. We pulled over and exchanged information. And later found out that my own insurance was expired. Am I covered. By work or can I purchase insurance after the fact. And still be okay?

What are your insurance premiums monthly?

I am currently paying $54 a paycheck to cover my husband and myself. It would cost me $18 for myself only and $102 for family. We do not have any deductibles, only copays. Emergency room $125, urgent care $40, specialist $30, ob $15, and pcp $15. I have an epo from United. I am curious to know what other people are paying for health insurance.""

I need the best site for health insurance for a small business?

the insurance will be for 3 employees and needs to include dental and vision insurance

Is it necessary to hold on to old auto insurance bills?

I switched auto insurance companies recently and I was just wondering if there is any reason at all I should keep my old auto insurance bills from the old company. I'm the one ...show more

Saw a ins Discount for driving less than 40 miles a day?

Saw an insurance discount for driving less than 40 miles per day to work

Obtaining auto insurance quote for dummies?

I've done a little Google searching and haven't found a clear answer to my question. Can anyone help me out? When getting a quote from a new insurance provider, when you report past driving incidents do you report them as what the police officer originally originally charged you with, or as the plea bargain given to you by the judge? I got a speeding ticket awhile back but when I went to court the judge gave me a plea bargain which lowered the violation to driving with a defective tail light , driving an unsafe vehicle or something of that nature. I don't remember exactly. So, when getting a quote from a new provider, do I list the incident as a speeding ticket? Or as the violation that I was actually convicted of? Thanks so much in advance for your help. I will be assure to award the best answer!!!! You know you want that best answer!! :)""

Which companies offer life insurance to clients who have chronic health problems?

I am 37 years old with a diagnosis of lupus (not flaring) with a history of minor kidney involvement, deep vein thrombosis, and high blood pressure. I have been trying to get life insurance but have been consistently denied by the major companies to which I have applied. Does anyone have any suggestions? The only suggestion I received from one company was the hint to purchase Accidental Death and Disability, and if my medical condition worsened, to have an accident . I am hoping for better advice.""

Ursa Illinois Cheap car insurance quotes zip 62376

Ursa Illinois Cheap car insurance quotes zip 62376

How to find affordable medical insurance (Family) in San Diego?

I am moving to San Diego on a contract that has no benefit package. I'd like to buy a good benefit package for a family of four. I need medical, dental .... etc. with reasonable deductible. Any help in pointing me to the right direction is appreciated. Thanks

Life insurance question - term life and term life with return of premium?

Hello, my spouse and I are in the market for life insurance now. After some researching, we have pretty much decided to go with term or term return of premium insurance. I still have following to decide and if you could enlighten me on these I would appreciate it very much. Which company? I found the following list that's supposed to be the best life insurance companies at this website. http://www.lifeinsurancestar.com/lifeinsurance/company-ratings.php * New York Life: A++, stable outlook * Mass Mutual: A++, stable outlook * State Farm: A++, stable outlook * Geico: A++, stable outlook Does this mean I should probably check out these companies? We have State Farm for auto and home insurance. Would State Farm be a good way to go (convenient to have all three in one place)? I also thought Geico didn't offer life insurance. I was led to LifeQuotes page from Geico. Does this mean that this list is not reliable? How much? We are 40-45 years old, just We still have almost 30 years of mortgage, and 20 years of raising our son. I was using some calculator online (Kiplinger, Life Foundation?) to calculate how much coverage I need, and they both returned figures like 1+ million. How can this be? Is 1 million life insurance common these days? We have about 170,000 in remaining mortgage balance (actually I only included half of that in calculation), and I calculated monthly living expense to be 2,000-3,000 (depending on if our child is still with us)/month with my spouse's income to be 2,000/month, and also included college cost. Does this seem reasonable that this will add up to be million dollars in 30 years, with inflation? I was thinking of about 300,000-400,000 before using these calculators. Term or Term ROP? We have almost decided against Term ROP and to go with straight term, but are not final on this decision. What do you all think about ROP? With ROP, do we typically actually receive ALL of the premium, or are there any fees etc. subtracted from the refunded amount? Also, does ROP term insurance give you investment returns in addition to the amount of premium you paid? One of the reasons that we are leaning towards straight term is that with our current age, with 20-30 year policies, the likelihood well actually be using the death benefit would be moderately high  then ROP wont be such a good deal, as well as hearing that if we just get term and invest the difference in the premium, wed be ahead of term ROP. How long? In this case, should we try to get a 20 year term (for while our son will be with us), or 30 year term, just to cover the full length of the mortgage, although I wouldnt need that much coverage towards the end of 30 years (our son will be with us for only 20 more years, our mortgage will be paid off except for last 10 years or so)? Or buy 25 year return of premium term policy and pay 5 more years of mortgage using the money we receive from return of premium? Or buy two term policies - a large amount of 20 year policy plus a smaller amount (to cover the remaining mortgage balance in the last 10 years of mortgage)? Thank you for your help!""

How can I get reliable insurance ratings?

I have been with Nationwide Insurance for 21 years. Your normal every day insurance can never come close to their rates and Nationwide has always had outstanding service. As we all know, money is lean these days so there are two companies I want to check out. I'm thinking about getting quotes from USAA because I am a veteran and California Casualty Insurance because, as a teacher, I get a discount through SCEA. My fear is that even though those 2 might end up cheaper, I might get a huge downgrade in service. So I'm looking for information on both companies, especially if there is a good, unbiased source on the internet. I need to cover 5 cars (including 3 teenage drivers) and 2 boats.""

Why are my car insurance quotes changing?

I shopped for car insurance yesterday. Today I could not remember if I I forgot a company, so I did them all again because I was bored, all of my quotes went up with some, went down with others. I double checked and I didn't change any info. So I did 3 companies within 10 minutes of each other, and they changed again! I think they pull quotes out of a hat.""

Motorcycle Insurance question?

I'm going to take the MSF course on Saturday and my understanding was that you're insurance is going to be cheaper and I will like to know why it will be cheaper

How do you justify an insurance company raising rates by 39% for individual policies?

California insurance regulators asked Anthem Blue Cross to delay controversial rate increases of as much as 39% for individual policies, hikes that have triggered widespread criticism from subscribers and brokers -- and now from the federal government. In a rare step, the Obama administration called on California's largest for-profit insurer to justify its rate hikes, saying the increases were alarming at a time when subscribers face skyrocketing healthcare costs. http://www.latimes.com/business/la-fi-anthem-obama9-2010feb09,0,4384044.story""

Is insurance on jeeps more expensive?

im thinking of buying a jeep 1995 or older most likly (YJ, TJ) do they tend to be more or less expensive on insurance then the average car?""

How to calculate car insurance policy premium refund?

I sold my car one week after renewing my car insurance policy. I required to cancel my policy and asked for the refund. The first time I faxed them my cancellation letter, they asked me to call back after 2 weeks to ask for the check. But after 2 weeks, they told me they didn't received my fax and asked me to pay for the extra 2 weeks, although I have evidences that I required to cancel my policy 2 weeks ago. Also when I renewed my policy, I told the agent that I will sell my car within 2 weeks, so the agent told me I can only pay 32% of the half year policy premium. But now when I asked for refund, he told me that because I only paid 32% of the total amount, they will charge me more (53% more) and refund me much less. Is this common in this industry or they just try to steal money from me? Thanks.""

I have cancelled my car insurance?

I have cancelled my car insurance for my old car , because I have bought a new car . . . Now I am waiting to sell it , but I don't know where I should keep it . . Is there any problems if I'll leave in front of my house in the car park without a insurance ? Thank You""

Car insurance for teens?

can someone guess how much my car insurance will be? im 16 years old i own a 2007 lexus gs and i never got a ticket... my mom said it would be around $200, but im kinda hoping it's a lot lower lol.""

How can i get health insurance?

Hello I am 18yrs old and i am trying to get health insurance. I am a full time student. My mom is does not have health insurance either, Her income is really low and i dont have any income coming in.. Is there a health insurance that is right for me? Please answer""

How much time is given for car insurance company to settle a claim?

my car was hit in parking lot and insurance is dragging its feet to investigate. how much time is officially allowed for this investigation and what are my rights bacause it has been 30 days today. i have a full insurance on this car and insurance company is investigating as a fraud claim!. insurance from metlife!

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?""

Car Insurance in the UK?

When your car insurance expires are you no longer covered or do insurance companies keep the policy going until you cancel the cover?

""Car from 2003, 17 year old female driver. Car insurance average?""

I'm a B+ student, my car belonged to my dad and is now being given to me. It's a ford focus. I'm 17 and a girl from New York. Can someone please ESTIMATE how much car insurance would be for me? I tried websites but I'd have to put in my social security # to get an average and I don't want to do that yet.""

""Buying a car, do I need my own insurance to have the title signed over to me?""

My youth pastor is selling me his 2004 Dodge Stratus, and we're planning on going to the DMV tomorrow morning to have the title signed over. Currently, my mom pays for my car insurance every month, and the car I've been driving is in her name. If I want to put the new car in my name, can my mom still pay for my insurance or do I have to be able to pay for it in order to have the title signed over to me?""

How much will insurance be for a 16 year old in california?

how much will insurance be for a 16 year old in california? lets say i get a bmw or porsche how much will it be?

""What would be the average MPG and insurance rates for the following classic cars in Bradenton, FL?""

Also, how much would the car cost and where would I be able to purchase one? 1951 Ford 1955,1956, and 1957 Chevrolet 1957 Studebaker 1959 Ford 1959 Cadillac""

Becoming car insured in Ontario?

Recently I just acquired my G2. I am an almost-17 year old male, and I wanted to try to clear up a few questions about insurance before going to get some quotes. Firstly, would it be possible for me to have my own separate policy? With my own car - that's how my dad wants it apparently... I know it would be expensive..but I would probably end up choosing only liability coverage. Secondly, would it be possible to somehow prove to the insurance company that I am more responsible than the average stereotypical 17 year old male in hopes of lowering insurance? For example, can high school marks play a factor? I've heard about something like this, although I don't know if it applies to our provincial policies. I know the other factors, such as having a 4 door used sedan, in-class driving course etc. can also help lower the cost. All help is appreciated, thanks!""

How much should I expect my homeowners insurance to cover?

Last month, my car was broken into. A laptop and and navigation system were taken, all together costs about $1700 to replace. How much should I expect a check for? I'm looking for new laptops at the moment and I'm thinking of purchasing a replacement before the check comes in.""

Question about car insurance?

okay so i was recently in an car accident and my car was a total loss. The accident is not my fault. I received my settlement check for my vehicle after paying my deductible for my insurance company. 2 months later now I received another check from the other insurance company at fault with an attached form stating that the check is for repairing the damages on my vehicle. Is this check safe for me to cash out? Not complaining of getting extra money, but Im just curious why would i get another check when i already got a whole settlement check from my insurance company. Shouldnt the other insurance be paying my insurance company instead? any help would be great.""

Affordable car insurance/ college student. please answer =]?

hey everyone! i am looking for some car insurance! like... the most affordable i can find... for a 98 nissan. i am 18 years old, no accidents or tickets. and im a broke college student soooooo the cheaper the better, and just liability is fine. any suggestions? good/bad experiences? thank you!!""

When do I sort out car insurance for a car i've bought?

Do I sort it out before buying the car?

""Iam 55 I need a small policy for life insurance around 10,000?

any suggestions?Who to call?

What is a cheap health insurance for a student fixing to go trough nursing school?

I got accepted into nursing school and need health insurance. I do not believe there are any guidelines as long as you have it. I do not have a lot of money and need some affordable health insurance.

Ursa Illinois Cheap car insurance quotes zip 62376

Ursa Illinois Cheap car insurance quotes zip 62376

Getting car insurance with a suspended license?

I posted this question a couple days. I thought I would share my information. My son (not having a valid Drivers License) was able to obtain car insurance through a reputable insurance company. We went to the DMV and got his new registration for his car, and showed proof of insurance. He has 45 days to show he paid his tickets and his license was reinstated. Just thought I would share this information.""

Can a car insurance company change my price mid policy?

I have already made 2 payments on my policy, and now the insurance company had me call for some sort of interview. At the end they said they need to review the policy and will get back to me. Can they change my price mid policy? I figured they would have to wait until my policy was up for renewal since I've already made payments, and they sent their notice after my first payment was made. However, the woman on the phone said that my premium may change. Is there some sort of legal statement saying they can't change my premium mid policy?""

How much should a 17 year old's car insurance cost in the UK?

i'm 17 and want to drive. i'm a full time college student, which probably doesn't make any difference? right now i'm looking at a 2001 VAUXHALL CORSA 1.6 engine, LS 5dr [AC] Hatchback, which is costing around 999 how much should i expect the insurance to cost for this car? or for a car similar? it will be my first car. Thanks.""

If my son is on my parents insurance does that mean they claim him on his taxes?

Okay my son is now 1 year old. He is on my parents insurance, we live with them, and my parents pretty much support him.(pay for all expenses).. Now my sons father wants to put him on his taxes. I know he just wants to get money to get him a new car. he also says he will get me a car too. but idk about that. When i told him i think my parents already claimed him, he started yelling its his son, and told me to give him his security card(he has a really bad temper and gets angry to where i get scared) so i did.. but now i need to sign a paper..and i dont want too.. Here is my thing i told him that he is automatically on my parents taxes, because he is on there insurance, so that would mean i would have to take aiden off of their insurance(Which means he wouldnt be on any insurance)he started yelling how stupid i am and just to sign paper, my question is is it true that because my parents have him on their insurance, he is on their taxes. What should i do? Thanks for anyhelp. Sorry long question. Please no rude answers""

Baby not covered on partner's insurance policy?

Alright, here's my situation. I am on my partner's insurance through her job. Well, we are getting ready to start a family and our insurance will cover everything up until right after delivery. Since I am considered a dependent, and I am the one giving birth, the baby will not be covered. So, what I want to know is has anyone else been in this situation and how did you handle it? What is the best way to find individual, affordable, insurance for the baby? And in your experience, what is the average cost you pay? Any suggestions/help is greatly appreciated.""

""Why is it that despite public and private health insurance programs, some US citizens are without any coverage?

health insurance

Negative impacts on making all drivers have insurance?

also what are some positive impacts of making all drivers have insurance how would it help stop boy racers?

Can you resume your auto insurance policy one it was canceled?

Can you resume your auto insurance policy one it was canceled? ok it was canceled 5 months ago I wasn't using the car so I didn't need insurance at a moment. Now I am planning on using the car again. Can I just call them and ask them to send me a monthly fee and get insurance resumed or do I need to go to insurance place and talk to Insurance sales agent and pay $200 finders fee again? I don't want to pay those fees again. Is there a way to resume my insurance without those extra fees. I am a California resident.

Do I really need home owners insurance?

if a hurricane were to come into my area and cause a flood, wouldn't the flood insurance take care of it. What are some good home insurance companies in FL with minimal requirements. I made several calls but no one wants to insure me because I don't have heating or cooling.""

Do you need car insurance to borrow someone's car?

Like if I were to borrow someone's car, would I personally need car insurance (like from my own car), or only if the owner of the car had insurance would that be okay if I drove it? I live in Illinois if that makes any difference.""

Pros and Cons of a motorcycle for a teen?

Both my parents and I have gone over me getting a motorcycle instead of a car, and they're fully behind it. As far as my knowledge, insurance costs are a lot less (but more for me since I'm just starting out) monthly payments on it are lower, more MPG, more eco-friendly, less space and I personally prefer it, and use it as year-long transportation since we're moving to Orange County, Calfornia from Las Vegas (where it never snows). I'm almost of age to get my permit, and I would appreciate it if you could come up with any other possible cons or problems of having a sportbike (Kawasaki Ninja 250r, 2010-2011) instead of an older car. I know repairs, etc would be roughly the same. Thanks.""

Can insurance Car repo?

I'm finally able to start getting caught up on my insurance payments (I'm 2 moths behind sadly but getting it caught up), the vehicle is paid off, will an insurance company repo my vehicle for not being up to date on the insurance payment?""

What insurance would be best for a Salvaged Car?

See I am a first time driver and I bought a Car which has a salvaged title due to a minor fender bender, I don't drive it because well I've only had it for about 3 days but I would like to know what would be the best coverage I can get from any insurance on a Salvaged title car. I hope it was worth my money buying a salvaged car. some one help!!! PLEASE!""

Car Insurance discrimination?

I was filling out a car insurance quote form online , I put my mother as the main driver and me as additional but accidentally put me as a spouse , the quote came back as 400 pounds. As i reviewed the quote i notice my mistake and changed it to Other ( Spouse , Partner , Other only listed ) and then my quote came back as 2000 pounds. I am 18 years old and getting car insurance is hard but my question is how does being married make me a safer driver and is it possible to take insurance companies to court because of there overlooked age discrimination""

How much would i get from the insurance?

I was involved in a car accident in Sept 2009. I sustained low and upper back injurie, left side shoulder and neck and severe headaches. I have been dong treatments such as chiropractic, acupuncture, massage and phisio therapy. As of right now i am only doing physio therapy and massagge, however the injuries have not healed yet. If for any reason i dont get better for another year or 2, how much would i be getting from the insurance as a settlement? The medical bills as of Sept 2010 were around 13 thousand. I was employed at the time of the accident and have not returned to work since the accident. My car was totaled and the other driver was fully at fault. I am just wondering how much would i be getting roughly if my case lasts for 2-3 yeas in total.""

I looked for insurance quotes at progressive.com.?

At the end, I received a quote from Progressive and also 3 other leading competitors. I also received a quote from Progressive Direct which is lower than Progressive quote. Does anyone of you have insurance from progressive direct? What makes it different (and hence lower) than the actual Progressive quote?""

How much will a used SlugBug Convertible cost me in the state of Ohio?

I turn 16 in January 2011 and I want the car by August 2011 so in about a year and a couple months from now! How much with the car cost me to pay all up front or how much will it cost me monthly if that sounds better! How much will insurance be per month? How about Gas? All answers are appreciated and Im willing to buy 2003 to 2010 but the price range for the actual car has to be no more then 5 to 6k ? I also want to know if you think Im going to have to get a loan. . . thanks everyone!

Best and cheapest car insurance in australia?

Can anyone tell me the cheapest and best most reliable comprehensive car insurance in australia i need to insure my car asap im thinking westpac or aiime

How much is AAA a month?

I have Roadside Assistance with AT&T and I pay only $2.99 a month for 4 calls every calendar year but they only cover from about 2 to 10 miles if I need a tow. I'm thinking about switching to AAA but I really don't know anything about AAA. Can anyone give me some insight on AAA? PLEASE :-)

My brother got my friends car and got stopped for dwi and the car now is impounded. But the insurance?

But the insurance is under my friends brothers name cuz my friend dosent have a licence and his brother is not here. but i got a license what can we do to take the car out??

How can I obtain drivers insurance when neither parent has a license in California?

because insurance is a binding agreement that requires one parent to have a valid license, and neither of mine do, I cannot buy auto insurance. - My grandparents will not help me either I have 1000$ to buy insurance, and I will drive either way, insurance or not, is there any loophole around this law? thanks.""

""Good, cheap auto insurance?

Need good cheap auto insurance. Can someone recommend me to one and/or some? Im talking cheap as in $30 per month or lower cheap. Thanks!

Child support/car insurance?

Ok so I just got my liscense and I bought half my trck and my mom bought the other half. So is it right for my dad not to pay for my insurance? And does child support cover car insurance. . .plz just give me your opinion/facts on the whole ordeal.... Have not found job just turned 15..btw Thank you all

In NY there is freelancers unions and other ways to get affordable health insurance. anything similar in SoCal

I want to start freelancing but learned that health insurance will cost me $1400/month. Anything creative I can do? Any unions or groups I can join in SoCal? Need PPO.

What is the best short term life insurance plan between monthly premium rupees 500 to 800?

What is the best short term life insurance plan between monthly premium rupees 500 to 800?

Ursa Illinois Cheap car insurance quotes zip 62376

Ursa Illinois Cheap car insurance quotes zip 62376

https://www.linkedin.com/pulse/buy-affordable-health-insurance-ny-paul-bishop/"