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#mechanic school near me in philadelphia
pttedu · 10 months
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Explore common challenges in auto repairing faced by technicians. From mechanic cars to electrical woes, discover how experts navigate complexities for reliable fixes.
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uh-velkommen · 11 months
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I'm losing it
I'm really frustrated being here and I feel like I really shouldn't be which makes the whole situation worse. I have been holed up in my room for months because without money, I genuinely can not go ANYWHERE. I've been waiting for my stupid student loan check to come in and it's like everything the universe can do to prevent it from getting to me is happening. I've gotten so tired and depressed with how uneventful this life is. The fact that I can't even put myself out there, experience new things, new foods, new people, because of this. Today was my absolute last straw. I realized the way I felt in my undergrad is not an escapable feeling. I feel just as trapped. Stuck. And when I feel this way, I start to catastrophize. Every thing sucks, I'm miserable, I can't bring myself to step outside, all of that, I start behaving like. But no matter what, I always try to create little wins. I do silly little things to spice up my life where I can and lately that this has been riding my bike.
I've been updating friends on another social every time I go out for a ride. I talk about how growing up I've always wanted my own bike and I never owned anything like that because I was poor and a girl. Even when I got gifts, it was make up or dolls when all I really wanted was to ride around with the neighborhood boys. I wanted to go to skate parks and do parkour but I was never allowed. I used to have this funny relationship with one neighborhood boy when we were like 12 because he was clearly gay and I was the only one who embraced his femineity where he'd otherwise receive bullying from everyone around him and likewise he indulged my masculine tendencies and let me ride his skateboard and play his video games. When I came to Sweden I made sure to exhaust what little funds I had on a bike so that I can commute places and have a reason to be active. It felt so great to, I went on these stupid adventures, I felt good about myself, whenever I was angry I'd bike out the aggression, I stopped thinking about hurting myself and started thinking about what different route I'd try on the way to school to shake things up, I'd have so much fun on this damn bike that I'd actively shout WEEEEE as I rode down hills and I cheered on days where I'd make it home and not be out of breath. I even made a video for a stupid linkedin post like "Bike with me to school!" That fucking bike was the only thing keeping me sane here and this morning, I got up extra early so I could ride to McDonalds and get a fun breakfast before class. When I got to the bike stands, it was gone. I spent the rest of the day absolutely sobbing, I mean I could feel the little girl inside of me just heartbroken. I'd be less fucking sad if this had happened in Philadelphia where it's expected. But here, I spent every day looking at everyone's bikes and laughing at how they fit their owners like dogs. It took me weeks to get over the fear of someone taking my bike. I kept telling myself that everyone has their own bike and mine is damn near garbage compared to everyone else's. And yet that morning, somebody had stolen my bike.
And now I'm really fucking miserable. Because they took away my only coping mechanism. My first genuinely fucking healthy coping mechanism. And it feels like a targeted attack. Last time I took it out someone broke the bell off of it. Now it's gone and I fucking hate it here. Sweden is actively trying to get me out like a ghost in an old estate. The only thing that was keeping me happy, the only thing that allowed me to leave my stuffy little room. I'm stuck again. Trapped in this stupid system. And it's not even Sweden that I hate, it's school. I keep thinking about how much I love being in this environment, speaking another language, not having to look over my shoulder all the time, eating healthy, nice people, beautiful scenery, the fashion, the stores, everything about being in this country is great. It's the stupid challenges I'm facing due to SCHOOL that's making this so stressful. I wanna quit. I just wanna get a job and live my life and I can't figure out if I still want that to happen here or if I should go back to the states.
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pttedu · 3 months
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8 Types Of Mechanic Certification To Know About In 2024
Eight essential mechanic certifications that, by 2024, will be beneficial to both experienced and beginner mechanics. Learn more about them.
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detoxnearme · 7 years
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What Is A 12 Step Program For Drug Addiction For Women
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pttedu · 2 years
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The US automotive repair and maintenance services industry contains about 160,000 establishments with integrated annual revenue of about $115 billion. You can get a stake in this billion-dollar industry with automotive technician training. The future looks promising, with 228,440 employees in the industry and an employment growth rate of 1.7%. Pennsylvania is one of the top five employing states for the profession, with a median annual wage of $44,050. PTTI is one of Philadelphia's top automotive training institutes.
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bethedream9-blog · 5 years
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“When you want something, all the universe conspires in helping you to achieve it.” - Paulo Coelho
The first time I spent hours in a pool this summer was on a resort in Cancun where we were celebrating a friend’s wedding. The pool had natural salt water, was at the perfect temperature, and included a swanky swim up bar. One of my college friends explained how inflated lungs are buoyant after complaining I had trouble floating. I guess I forgot that tidbit from science class because it blew my mind. He introduced me to the breast stroke and helped me with the timing of the stroke and the breathing. 
A gentleman watching us swam up from the pool bar and joked, “Its ok people don’t understand that muscles are heavy.” He also became invested in my swimming and lent me his goggles. He pointed out how I was working against myself as shot my arms forward in the breaststroke. In general he got me thinking about how swimming was one of those things where trying to hard wasn't the answer.
Right after purchasing my membership at the YMCA I jumped in the pool to do some exercises I learned on YouTube. I was taking a break when this woman from the lane over said, “you gotta clap those feet.” She was commenting on my breast-stroke kick. She helped me work on the kicking mechanics - when to bring the knees up, how the toes should point, and what kind of angle to kick the feet out before clapping them. It turns out she actually coached for a living! She ran a boxing gym in north Philadelphia and she told me one of her fighters recently won a world title. She invited me to her gym telling me about her old school methods in training fighters. I’ll hold off for now.
The next time I met a man in the lane beside me who looked like he was swimming in slow motion. When our breaks synced up he also gave me some pointers and we started talking about immersion swimming. This form of swimming is all about conserving energy for survival and covering longer distances. Perhaps he brought this up since he saw me heaving after completing a lap. 
Just as I was starting to improve, the YMCA closed their pool for beautification week. This ended up being a blessing in disguise. My brother has an LA Fitness membership and told me there is a pool in a facility near the city. They are SUPER chill there. The staff barely looks up when you scan your card and people are still lifting close to an hour after the gym is technically closed. I easily got in scanning my brother’s card.
All the lanes were occupied when I got to the pool. One guy gestured to a spot in the water next to him inviting me to share the lane. I thanked him and start with my usual routine in the water. He meets me at the other end of the pool and says, “you need to appreciate the glide.” He ended up training me for the next hour and a half on my swim strokes, kicking technique, breathing, all with a focus on gliding through the water. It turned out that he trains swimming/running/biking guides for the visually impaired. In the hot tub afterwards, I asked to pay him for teaching me. He laughed it off telling me to pay him back by volunteering as a guide when I learn how to swim. We went at it for another 90 minutes the next day. So... I found myself a trainer by accident because my YMCA closed its pool for beautification, my brother has an LA Fitness membership, I can pass as my brother to get into LA Fitness, and all the lanes were full when I arrived. Lucky!
Just last weekend I went to this adult summer camp and got some pool time in between the activities. The lifeguard there was this extremely sweet elderly woman who had been teaching swimming for many years and trained all the lifeguards who worked at the camp. She helped me on my flutter kick asking me to imagine how I kicked back sand running on the beach. When she noticed me panic a bit as I swan over the deep end of the pool, she’d encouraged me, “you swim the same in deep water.” 
The people in my swimming journey have made it more special. This isn’t that surprising since people are usually a driving force of what makes many experiences more meaningful. Professionally, I’ve enjoyed projects more if I loved the team and wasn’t thrilled about the subject material than the other way around. Even my most memorable Frisbee seasons have been those where I’ve really connected with all my teammates. This reminds me of a quote I resonated with from a rap song, "do what you live for with the people you die for." That's the dream!
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phillymakerfaire · 5 years
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https://milkstreetmarketing.com/img/itunes.png
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    Break Through is a podcast series about making. Making discoveries, making a difference in the community and making the world a better place. It’s the stories of startups and inventors who are developing products that have social value by solving real world problems. It’s about artisans and entrepreneurs who have broken through the mold to live their best lives.
  
Welcome to episode number two of Break Through, a #NextFabMade podcast series. I’m your host, Ron Bauman, founder of Milk Street Marketing and NextFab member. This time, our guest is Charlie Anderson, CEO of Augean Robotics, which develops autonomous machinery to solve outdoor labor problems. Augean is a graduate of the NextFab accelerator program and recently raised a $1.5 million seed funding round. We sat down with Charlie to uncover his story, which begins on a 191 acre working fruit and vegetable farm outside Philadelphia, and how a love for robotics and automation was cultivated during this time.
Ron Bauman: So why don’t you tell us a little bit about yourself and what you do here at NextFab?
Charlie: Yeah, so… I guess I grew up on a working farm outside of Philadelphia. Got out of business school… Growing up, I was fairly obsessed with robotics and that obsession was driven in part by love for mechanization and technology within agriculture, and a hatred for doing things by hand. I would way rather sit in an air conditioned tractor cab doing something, then go out and do some tedious tasks in the heat. Got out of business school. Wanted to be in the Philadelphia area, went to go work for a big company called Case New Holland, which is Deer’s largest competitor. Trying to figure out a way to get into robotics and couldn’t find a path within that larger company. Finally quit that job, moved into Philadelphia into NextFab and build a team out here. That’s effectively what we led me here.
Ron Bauman: So let’s talk a little bit more about life on the farm, and now let’s make that connection to robotics because it’s not something you hear every day. Obviously, there’s farms, farming industry has technology, there’s technology in place to help make the farming work easier. Tell us a little bit more about how your love for robotics and automation grew out of that farm life.
Charlie: Yeah. So I guess, so my family farm is 190 acres near Valley Forge or King of Prussia. In the U.S., really in agriculture today, a lot of fruit and vegetable production is largely done with hand labor. And so my family farm, I started running farm equipment by age four or five. And I always wanted to do something where I can move a lever to do it, not do it. And so you know, again, I would way rather be in an air conditioned tractor cab doing something at scale, then out weeding, picking, pruning spot spraying, doing things by hand. And so that kind of led to a logical progression or interest in the autonomy within agriculture. And at the same time, I’m not an engineer by training. I kind of grew up wrenching on stuff but don’t have a mechanical or an engineering background, if you will. I kind of always saw my role as building a team and trying to build a company around solving issues with an agriculture. From a macro perspective, I think what you see within the world of autonomy is the… It’s very difficult to build something like a self driving car. A lot of the technologies that you read about, it’s not really there. It’s not really commercially viable. And the beauty of working on a farm is you’re not on a city street, you’re not going 80 miles an hour, you’re going three or four miles an hour in an environment that’s relatively constrained. So it’s actually environment that’s much more suited for a lot of autonomous technology today more so than some of the things you might see in a major setting.
Ron Bauman: So you weren’t too, too far out of the city. I mean Valley Forge, King of Prussia area. Short drive back. Did you find yourself dreaming of life in the big city?
Charlie: You know, I love space and I love… I guess, not an engineer by training but love building things. So I grew up building furniture and wrenching on equipment. Rebuilding Jeeps and doing stuff like that. So I’ve always wanted, I guess, access to space. The draw for Philadelphia for me is really the talent that you have here. You’ve got some of the best robotics programs on the planet right here in Philadelphia, and a group of people that are really enthusiastic about building autonomy with very few companies here, which is something we’d like to change.
Ron Bauman: Now you went off to Harvard for college?
Charlie: Yes, I went to Amherst College for undergrad. A liberal arts degree undergrad. So not… I got exposure to the broader world and then got an MBA from Harvard Business School.
Ron Bauman: So talk to us a little bit about how you came back and what your goals and what you were looking to do once you got back.
Charlie: I’ve worked in a bunch of different places. I’ve worked in Richmond, Virginia, and New Jersey, Boston quite a bit. I always wanted to be back in this area. And I have a fiancee who lives in New York city, so I’m in a bunch of different geographies. But for me, I grew up here. I love the Philadelphia region. I really wanted to be back in the area. At the same time I wanted to do something in autonomy. I really loved companies like Kiva Systems and companies who are doing robotics work. When I got out of business school in 2014, I called hundreds and hundreds of people trying to find robotics or autonomy or something related to that type of technology in the area. And there really wasn’t much that I could find. Instead I went to go work for Case New Holland again, which is Deer’s largest competitor and spent about four years there selling and marketing farm equipment to people all over North America.
Ron Bauman: Well, you know that business, right?
Charlie: Yeah.
Ron Bauman: And you spoke the language.
Charlie: Yeah. Yeah. No, cause I, I can talk tractors all day long, better than pretty much anybody. But yeah, I’ve spent a lot of time selling and marketing equipment. At the same time trying to out how do I get from technology-enabled machinery to something that’s truly autonomous. That was really kind of where my interest lay. Started wrenching on stuff kind on the side, while at work, and that led towards a progression of, “Okay, the only way to do this is to start a company myself.”
Next Charlie offers his definition of entrepreneurship by approaching big problems and surrounding himself with talented people that share a common vision.
Charlie: I kind of define entrepreneurship as the pursuit of opportunity beyond resources controlled. The way that you, accrue resources towards some opportunity and, opportunities largely solving problems, is by approaching a big problem that a lot of people can get around. Or, get behind solving. When you look at agriculture today in Western economies and elsewhere, what you see is an ever dwindling number of people that want to go out and work in a 110 degree heat doing things like picking. It’s no longer something that people aspire to do, which is why often times it’s done by people that migrate into the company and are proportionately not as well paid as as other people in society. For me, having grown up on a working farm and having done a lot of that work myself, I guess for me, my purpose is when I look at my own small family farm, I imagine a world 10 or 20 years from now when you have robots running around doing different tasks and doing a lot of work that nobody in society increasingly wants to do. I think people are have better things to do, then go out and do a lot of the work that they have to do by hand, which is quite tedious.
Ron Bauman: So talk to us about, you mentioned, you know, building your team. I think that it’s one of the things that I’ve seen that I really like. In terms of what you’ve done, talk to us about how you build your team and the story about how you got to that point, because I find it very interesting.
Charlie: So, in November of 2017 I quit my job. I’m sitting in my parents’ basement being like, “Okay, well how do I, how do I figure out how to build robots?” Thinking where that could lead I, for one, started hacking together things. So just, on the side, I have a MIG welder and a Bridgeport mill and, access to some of those tools. So I started building prototypes. At the same time I reached out to literally every single robotics or autonomy engineer that I could possibly find. I have a list of a couple of hundred of them in this area. The beauty of this area is there’s a ton of talent in that particular field. Which is largely very accessible. People want to work in that space. And secondly, there’s not enough opportunity for them, or at least I certainly found it. Through that search I found Terry and Dennis, who are our Chief Robotics Officer and our CTO, and then also Vibhor, Magna, and Anthony.
Charlie: This team I view as one of the best teams on the world or in the world to build robotics in Ag. Dennis has a PhD from Penn. He’s spent the past couple of years with COSI, which is where Terry worked as well. And there they built a robot that can autonomously navigate a grocery store and scan the shelves using cameras to tell you what inventory is where. You can imagine the skill set that you need to develop that kind of technology. It’s pretty incredible. And then Vibhor, Anthony and Magna all really, really talented engineers with backgrounds in computer vision, mechatronics, deep learning and artificial intelligence. All of the things that you need to build robots that can reliably localize outdoors, navigate around, and handle all of the complexity of the great outdoors, which is where we work.
Ron Bauman: I think you told me at one point… I think that’s the best part is that you’re trying to find a job at some of these other companies, but not being an engineer by trade. No such luck. So then you went out and you found the most talented engineers and automation experts that you could find, and applied your skills to that. And I think that’s really, really creative, very ingenious. And I think that’s what real entrepreneurs do. I think they surround themselves with the experts. The people who are the best in their field and are good at what they do. Understanding, “Okay, that’s what they do and I’m good at what I do. So let’s all get together and do something special.”
Charlie: Often times, looking in the rear view mirror, it could seem like it was a very clear process and everything worked out because of some genius in the room. And the reality was it was very much an emergent thing. Finding great people. For me, thematically, it’s always been this notion of, “Hey, I want to be in this region. I can see some of the skill sets that it has to offer and maybe I can go out and find them.” There’s a real, at least for me, trying to start a company or starting a company has been the hardest thing I’ve ever tried to do. It is the hardest thing. I have slept in more cars and more airports. I’ve been all over the country scrambling together capital and people and finding customers. It’s a really, really hard thing to do. And the best way to do that is to find a great group of people that share your mindset and your sense of purpose.
Ron Bauman: Where do you find inspiration now? I mean, obviously, you have your background in agriculture and farming. Your love for automation obviously grew out of that, in terms of solving a problem or making life easier for people who work on farms. Where do you find inspiration today?
Charlie: Yeah, I love anything with, with gears, motors, a computer inside. So you can definitely, I’m an avid tinkerer. Certainly on my family farm, I go back all the time and I’m working on stuff, fixing stuff. Build a lot of furniture. Ride mountain bikes quite a bit. Go running every day. Do those types of things. Do a little bit of traveling. Not as much as my fiance probably would like. I owe a lot back to her on that front.
Ron Bauman: Sure. When are you getting married?
Charlie: In October.
Ron Bauman: Oh, congratulations.
Charlie: Yeah, I think for me, having a partner is incredibly important. Important as you go through trying to build something and it’s incredible that people put up with me, effectively, along the way.
Ron Bauman: So is there any particular individual or people in your life that you’re drawing inspiration from that you consider a source of mentor-ship now?
Charlie: Certainly. Formally, as a company, we have a group of advisors. We were very kind of selective or deliberate in terms of picking those people. A friend of mine, who’s quite a bit older from business school, who is a successful entrepreneur named Simo. He has been exposed to a lot of similar scenarios to the types of ones that we’ve dealt with or are dealing with now. Then two of our other advisors are both academically inclined. They’re both professors, one at Penn and one at Lehigh, who have backgrounds in autonomy. We consult them quite a bit, kind of as a source for inspiration, and also really to push back on us. I am looking for people to question what we’re doing. So, them quite a bit. And then for me especially, I come from a big family, so always my older sister or other family members, many of whom are entrepreneurs as well, what they think about different scenarios.
Charlie then told us about how he moved out of the basement of his farmhouse with no heat to NextFab, which did have heat, and Augean’s progression through their rapid accelerator program.
Charlie: I guess we got into their hardware accelerator around March of last year, I want to say. At that point in time I was literally doing it out of the basement of my house. So I had a basement out of a house and an unheated barn to build stuff. And this was in the winter, things were rough. So we moved into the here-
Ron Bauman: Got yourself a heater.
Charlie: I tried, actually, to get a wood fired stove in a old barn became a fire… Yeah. So there’s a whole line there. But yeah. So I got into NextFab. It’s a heated building. It’s right in the center of Philadelphia.
Ron Bauman: Check.
Charlie: Yeah, check. You’ve got access to literally every single tool under the sun that you possibly can need. Almost an excess amount of tools. I mean we do stuff sometime that… Sometimes our team will print out rubber grommets cause they have access to a 3D printer. We should buy that stuff. We don’t need to do that. But you’ve access to make anything you want under the sun here. And then also just the people. I think doing… Trying to build a company is incredibly isolating and if you are exposed during an area where you can reach out to 10 people any given day who are walking by, who are doing something kind of similar to what you’re doing, but in a totally different industry, that can be enormously helpful. I have questions that come up all the time. Like, how do you charge sales tax in California? And being able to, you know, talk with somebody who’s dealt with that issue or knows the right CPA to call is a huge help. Those areas of expertise go everywhere from how do you make something to, how do you structure a company, to how do you deal with the kind of the, the nitty gritty everyday things that inevitably come up.
Ron Bauman: So have you ever entered any other robotics competitions or…
Charlie: I guess not, not competition specifically. We certainly have been, we certainly have pitched a couple-
Ron Bauman: It seems like there’d be a lot of them, that’s why I asked.
Charlie: Yeah. It’s an increasingly crowded space in terms of companies getting into it. There are very few, and especially within Ag tech and I guess within kind of urban technology, there are very few truly autonomous devices you can actually buy or use. And when I say autonomous, I mean vehicles moving around autonomously. So within agriculture today there’s about $3 billion worth of robotics solutions in some form globally. Most of those are robotic milking parlors. So they’re not robots on a farm. It’s something milking a cow autonomously, which is a very different kind of bucket in my head. At least within our space there is an evermore emerging space with more people getting into it. We believe we’re the first mover or we see ourselves as the first one. There’s nobody directly comparable to us. We’re moving pretty quickly.
Ron Bauman: Talk to us a little bit about the accelerator program, how you got involved in that, how you were accepted into the program. What that process was like for you.
Charlie: A year and a couple of months ago, I was looking for places in Philadelphia where I could build a robot, which means hardware, software and data. Also access to a set of resources that we needed to do so. We were looking for awhile, I mean there are a number of programs in Pittsburgh and other areas. But NextFab is really the only program I’m aware of in Philadelphia where have access to a facility like this and also into all of the expertise it takes to, to grow artists, you know, starting grow a company. We applied to it and at the time I had a barely functioning prototype. Came and we were accepted for an interview. So came in and I think they expressed interest in what we’re up to. I’m using the term “we” quite broadly. At that time it was pretty much just me. I was accepted and so then I moved in here, found a couple of my co-founders. It was an incredible amount of support.
Charlie: At the same time we also had applied to a number of other programs. NextFab was one of our earliest investors. On a weekly basis, we were doing some sort of meeting with somebody here within the facility, talking about some of the things that go into starting a company, whether it’s, I don’t know, using CARNA to set up a cap table or how to structure an LLC versus a C-Corp and the benefits of going through that, or how do you protect some of the intellectual property that comes off of what you’re doing.
Charlie: As a founder you’ve got to do so many things at once. It’s not like being in a role where you’re doing one thing and just one thing, you’ve gotta be able to do everything from A to Z in terms of starting a business. So everything from accounting to how do you protect IP to how do you hire to, how do you find customers to… All of those things.
Charlie: The NextFab accelerator, for us, was access to on a weekly basis some feedback on what we were doing. Really good access, as well, or kind of exposure to other entrepreneurs and entrepreneurialy-inclined people in this area. It provided a framework through which we could gain access to that as well, on a weekly basis, over the course of the program. Extremely helpful for us. I think out of that we built something pretty cool.
We then heard how solving a small but common problem led to the development of Augean’s pilot product. The Burro.
Charlie: I don’t typically necessarily admit this, but believe it or not, I was go to work every day. I had a colleague whose family had a chicken farm. Every single day his parents would walk through 12 chicken barns, a half mile through each barn, and they would clean them out. And so they would have to collect debris and, believe or not, some chickens die in a barn, so you have to pick them up into and carrying them out. So idea number one was to build up a robot to clean up chicken barns. And that did not go well. A very complicated thing to do. How to move out and around a very crowded indoor environment with tons of dust and a lot of ammonia in the air. It’s just a hard thing to do.
Charlie: From that, started wrenching around and fooling around. Going on robotshop.com and all the hobbyist websites, trying to figure out how to build things. Along the way what I discovered while talking with a ton of people within agriculture, was that people within Ag spent a lot of time and waste a lot of energy just carrying things around. If you can build a platform that just carries stuff around initially, as you evolve that thing commercially, you can start doing a lot more things autonomously as well. That general instinct became the driver behind Burro. And what Burro is, is a computer vision-based autonomous platforms. We’re not using high precision GPS to navigate, which means we can go in areas where there’s no machinery or whatsoever. It’s people doing work by hand, and by using computer vision you have something that is, believe it or not, actually cheaper than more expensive types of hardware and autonomy sensors. Simultaneously leads you to create a lot more value surrounding software and data.
Charlie: What we are using Burro for today is as a labor-saving device in handpicked crops. Think things like table grapes, blueberries, blackberries, raspberries, all the things you recognize as food. And what we found as we talk with those customers is that if you’re out there picking table grapes in Coachella in 110 degree heat this summer, you’re picking them into these 40 pound bins and then running them literally a couple of miles every single day on 150 pound a wheelbarrow in the heat. People doing that tend to, instead, prefer to just pick the shade with a virtual conveyor belt, running back and forth from where they’re picking to where stuff is being collected. Burro was designed initially to do that type of thing. And then over time, as it acquires more data, start delivering more and more autonomy in the space as well.
Ron Bauman: Awesome. That’s great. That’s amazing. Now, it does the picking as well, or is just that more of a transport?
Charlie: Just the transport right now. There are tons of companies working on autonomous harvesting right now. That has proven to be a very, very difficult task.
Charlie: You can imagine, if you are harvesting something autonomously… One, you have to figure out how to get to it. Literally like how to move autonomously up and down a row. Then once you get to it, you have to be able to recognize it as something that is ripe or not ripe. You have to see it through occlusion. So oftentimes it’s behind, it’s behind weeds or behind the other berries themselves, or behind vegetation. And then you have to reach out to it, grasp it, twist it off or remove it. And you have to do that every couple of seconds to be able to even remotely replicate what a person can do.
Charlie: There have been literally tens if not hundreds of millions of dollars of venture capital funding flowing into that space, especially in strawberries. We’re not in strawberry so much, but especially in strawberries. Even with all of that funding flowing in, most of the people that we interact with and most of our customers are suggesting that that’s still probably five or 10 years out before it starts being more widely present commercially. In the meantime, if you’re picking stuff autonomously, you still need to move it out of the field. It really helps to have a mobile platform that can carry your picking device to where stuff is being picked. Our platform is very compatible with a world in which stuff is autonomously picked. But at the same time, we’re not trying to do the autonomous picking today.
Ron Bauman: Gotcha, gotcha. So any other ideas in the works? I mean, what’s next after the Burro?
Charlie: Yeah. So each, each Burro is packed with cameras. It knows where it is in the world as it’s moving around. It’s cloud connected and very data inquisitive. If you imagine a world in which you have robots, akin to Wall-E, running around and doing all of the tasks that people no longer want to do. Whether it’s picking, pruning, weeding, spot spraying, all of those other tasks, especially within agriculture, the way that platform starts… The way that that business evolves, we believe, begins with something like Burro.
Charlie: At this the second stage, what we’re working on is a lot of things surrounding crop scouting. So as you’re moving through a field, you can with with cameras, visually start to identify what yields look like, where are pests, where particular weeds, what’s going wrong where. And then at that third stage, so it’s our second stage being crop scouting, and then the third stage, once you know how to move around, what’s going wrong, where. Then we can close that autonomy loop and start actually treating or doing the tasks that crop scouting highlights. But that’s kind of, you know, a little bit further off in the distant future.
Ron Bauman: But it all ties back to the Burro? Burro’s going to sort of evolve it Burros as an autonomous being.
Charlie: I think maybe an analogy helps a little bit with this. If you imagine kind of the PC ecosystem that emerged. Early on, there were tons of companies that were trying to build stuff from the ground up. What enabled a lot of advancements was the development of a couple of platforms that everybody used, whether it’s Microsoft with Windows or the Mac ecosystem. You have kind of one set of hardware or one set of software that a lot of people can leverage and use to do more things.
Charlie: We view Burro as a platform. It’s a collaborative robot. For most of the people within agriculture it works. It enables them to work more productively. It’s collecting data and it’s modular expandable. Meaning that if others want to bolt their autonomy on top of ours, we really want to encourage that and want to enable that.
Ron Bauman: So more of a collaboration as opposed to competition.
Charlie: Exactly. I mean you, you know, you imagine, the simplest tasks that a toddler does is incredibly hard to automate. And so if you imagine a world in which a lot of this stuff has done commercially and autonomously out there, it can’t be one big company. It can’t be one single company. It has to be a lot of companies tackling different problems. That’s the world we imagine painting.
Ron Bauman: Do you ever get scared about machine learning and the robots taking over and wiping us all out?
Charlie: I think we’re a long, long, long, long way from that happens. I’m-
Ron Bauman: If it happens you’re going to be one of the ones I blame. I’m coming back and finding you.
Charlie: No, I think it’s a valid question. It’s one that comes up consistently, right? There’s something scary about autonomy to people in the sense of you’re replicating what people do. To me, the impact of technology consistently has been to magnify the force or the input that a person can… To magnify or increase the impact of the command that a person can give to the output side. So, a tractor allows one person to push a lever and move tens of thousands of pounds, whereas before they would be behind a horse moving a thousand pounds. I think the impact of autonomy will be to enable people to do things more productively and also to do things with a much more finessed treatment of each individual scenario.
Charlie: You can imagine in your garden if you see a weed, you kill it. If you see a particular type of beetle, you kill it. On a big industrial scale, if you see one of those things, you do the same thing everywhere. The impact of autonomy is being able to very selectively treat things on a plant by plant or on a specific case basis, which I think actually has a lot of benefits for all of society. Using less herbicides. Less inputs to get more and more output.
Charlie: If you imagine a world in which global population goes from 7 billion to 9 billion or 10 billion people, which is what supposed to do in the next couple of decades, autonomy has got to be part of that thing. And if the alternative is not enough food for a growing population.
Ron Bauman: There is a real social impact to what you’re doing as well?
Charlie: Yeah. I would absolutely make that point. I think where people oftentimes get hung up on autonomy is the notion of people losing their jobs as things are taking… I think if you were a bank teller you didn’t like an ATM machine. I know that’s a very blunt assessment, but the reality is that autonomy will usurp some tasks that people are doing. It’s my perspective that it actually creates a lot more opportunity in other areas and ones that are more consistent with, I think the work that people typically want to do.
Ron Bauman: You can apply the human talent to areas where it’s going to have more of an impact, not these routine mundane tasks. Carrying something, or picking fruit or… That’s awesome.
After having our fears quelled that the robots would not be taking over anytime soon. We concluded the discussion by getting Charlie’s advice for aspiring entrepreneurs and the origin of his company’s name.
Charlie: I think persistence really pays off. Starting a company is the hardest thing you will ever do. It takes every single thing out of you. You will, almost inevitably… You read a lot of things in the press about people and in a retrospect, things seem like they were incredibly successful and really, really easy to get going. And the reality is far the inverse. Nobody’s brilliant. People start out with an idea and they keep at it and keep at it and keep at it. And that leads, or potentially leads, to a big pay off our big reward, in terms of creating more impact in the world than you might otherwise get if you were in just a job.
Charlie: I think my advice would be that persistence really does pay off. There’s some pain in that, but the reward is definitely worth it.
Ron Bauman: I’m curious, where did Augean… Augean, am I saying all right?
Charlie: Yeah. There’s the Augean stables. It’s a Greek story. So Hercules routed a river through a stable instead of cleaning it out by hand. It’s this notion of doing a distasteful task that nobody should do in a clever or creative way. That’s the original source of the idea.
Ron Bauman: Charlie, thank you so much. We really love what you’re doing-
Charlie: Absolutely.
Ron Bauman: Wish you be best of luck. We can’t wait to see ya make a huge splash.
Charlie: Yeah. Thank you.
Thank you for listening to this episode of Break Through. I’m your host, Ron Bauman, serial entrepreneur, founder of Milk Street Marketing, and NextFab member. To learn more about how NextFab can make your ideas come to life, and be sure to follow #nextfabmade on social to see what our members are making.
The post Break Through: Charlie Anderson appeared first on NextFab.
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giancarlonicoli · 6 years
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Daily Cover235,062 viewsFeb 19, 2019, 10:00amThe Greatest Investor You’ve Never Heard Of: An Optometrist Who Beat The Odds To Become A Billionaire 
It’s 9 p.m. on the last Saturday night of the 2018 Art Basel in Miami Beach. On the first floor of the palatial Versace mansion, the well-dressed and well-Botoxed are dancing to remixes of Michael Jackson’s “Beat It” and posing for Instagram by the mosaic-tiled emerald pool.
Upstairs, in a VIP room decorated in a mélange of styles that marry classical Greek and Roman touches, a well-dressed septuagenarian named Herbert Wertheim is sitting in front of a plate of smoked-salmon toast topped with gold leaf and shaved truffles, and scrolling through photos on his iPhone—scenes from what could only be described as a wonderful life. There are fan photos of him cooking pasta fagioli with Martha Stewart, on the slopes with Buzz Aldrin and fishing in Antarctica. There are many with his wife of 49 years, Nicole, on the luxurious World Residences at Sea, a yacht where the Wertheims now live part of each year. He calls these extracurricular activities “Herbie time.”
Dr. Herbie Wertheim in his signature red fedora.Jamel Toppin for Forbes
If it weren’t for his trademark bright-red fedora, Wertheim, who is an optometrist and small businessman, would look like the typical senior living it up in South Florida.
But Wertheim, 79, has no need for early-bird specials. What the photos don’t reveal is that Dr. Herbie, as he is known to friends, is a self-made billionaire worth $2.3 billion by Forbes’ reckoning—not including the $100 million he has donated to Florida’s public universities. His fortune comes not from some flash of entrepreneurial brilliance or dogged devotion to career, but from a lifetime of prudent do-it-yourself buy-and-hold investing.
Herb Wertheim may be the greatest individual investor the world has never heard of, and he has the Fidelity statements to prove it. Leafing through printouts he has brought to a meeting, you can see hundreds of millions of dollars in stocks like Apple and Microsoft, purchased decades ago during their IPOs. An $800 million-plus position in Heico, a $1.8 billion (revenue) airplane-parts manufacturer, dates to 1992. There are dozens of other holdings, ranging from GE and Google to BP and Bank of America. If there’s a common theme to Wertheim’s investing, it’s a preference for industry and technology companies and dividend payers. His financial success—and the fantastic life his portfolio has afforded his family—is a testament to the power of compounding as well as to the resilience of American innovation over the half-century.
“My thing is,” Wertheim says as he reflects on his long career, “I wanted to be able to have free time. To me, having time is the most precious thing.”
Born in Philadelphia at the end of the Great Depression, Wertheim is the son of Jewish immigrants who fled Nazi Germany. In 1945 his parents moved to Hollywood, Florida, and lived in an apartment above the family’s bakery. A dyslexic, Wertheim struggled in school and soon found himself skipping class.
“In those days, they just called you dumb,” he remembers. “I would sit in the corner sometimes with a dunce cap on.”
“My thing is I wanted to be able to have free time. To me, having time is the most precious thing.”
During his teens, in the 1950s, an abusive father prompted Wertheim to run away periodically. He spent much of his time hanging around with the local Seminole Indians, hunting and fishing in the Everglades and selling game, like frog legs, to locals. He also hitchhiked around Florida picking oranges and grapefruits. Eventually, his parents had enough. At age 16 he stood in front of a judge facing truancy charges. Lucky for Wertheim, the judge took pity on him, offering him a choice between the U.S. Navy and state reformatory. Wertheim enlisted in 1956 and was stationed in San Diego. He was only 17.
“That’s where my life changed,” he says. “They give you tests all the time to see how smart you are, and out of 135 in our class, I think I was in the top—especially in the areas of mechanics and ­organization.”
With a newfound confidence, Wertheim studied physics and chemistry in the Navy before working in naval aviation. This is about the time Wertheim began investing in stocks. It was the Cold War, the military-industrial complex was humming and American industry was on the move. The Dow Jones Industrial Average had finally recovered from the losses it suffered more than two dec­ades before during the Crash of 1929, and aerospace stocks were leading the market. Wertheim made his first investment at 18, using his Navy stipend to buy stock in Lear Jet, which at the time was known for making aviation products during WWII. Wertheim met its founder, Bill Lear, during a visit to a Sikorsky Aircraft factory in Connecticut, where the Navy’s S58 hel­i­cop­ters were manufactured. Wertheim was attracted to Lear’s inventions, like the first auto-pilot systems. (Later, the company would invent the 8-track tape and pioneer the business-jet market.)
“You take what you earn with the sweat of your brow, then you take a percentage of that and you invest it in other people’s labor,” Wertheim says of his near-religious devotion to tithing his wages into the stock market.
Once out of the Navy, Wertheim sold encyclopedias door-to-door before attending Brevard Community College and then the University of Florida, where he studied engineering but never graduated. In addition to taking classes, he worked for NASA—then in its first few years—in a division that improved instrumentation for manned flights. This fueled an interest in the eye and instruments optimized for vision.
His fortune comes not from some flash of entrepreneurial brilliance but from a lifetime of prudent buy-and-hold investing.
In 1963 he received a scholarship to attend the Southern College of Optometry in Memphis and after graduation opened up a practice in South Florida. For 12 years he toiled away, seeing patients who were mostly working-class and who sometimes paid their bills with bushels of mangoes and avocados. Wertheim spent his evenings tinkering on inventions, and in 1969, he invented an eyeglass tint for plastic lenses that would filter out and absorb dangerous UV rays, helping to prevent cataracts.
The Vietnam War was under way, and plastics had become the material of choice for eyeglasses and sunglasses. Demand for Wertheim’s tint grew, and he sold it in a royalty deal for $22,000. But because of contractual breaches, the royalties never materialized.
So in 1970 Wertheim decided to get more serious about his inventions and set up a new company, Brain Power Inc. He founded it as a technology consulting firm, but Wertheim soon returned to his habit of researching and tinkering, developing tints, dyes and other technologies for eyewear.
A year later he concocted one of the world’s first neutralizers, a chemical that restored lenses back to their original clear state. This meant opticians no longer needed to carry large inventories of different-colored lenses or dispose of lenses that were improperly tinted. “I was still seeing patients, I had a little lab,” recalls Wertheim with a smile. He showed his wife a coffee can containing his chemical concoction and said, ‘Nicole, what’s in this can is going to make us millionaires.’ ”
Wertheim occasionally lectures on engineering at Florida International University.Jamel Toppin for Forbes
It did. Between that chemical and the numerous other products Wertheim invented for lenses—some tints for aesthetics, others to help ease the symptoms of neurological disorders like epilepsy and still others to improve UV protection—BPI became one of the world’s largest manufacturers of optical tints, selling to companies like Bausch & Lomb, Zeiss and Polaroid. The company also began making lab equipment, cleaners and accessories for opticians, optometrists and ophthalmologists. Today BPI has more than 100 patents and copyrights in the area of optics, 49 employees and annual revenues of about $25 million.
In less than two decades, Wertheim had gone from ne’er-do-well to inventor and entrepreneur. BPI never achieved hypergrowth, but it currently has a net income of about $10 million a year, according to Wertheim, more than enough to feed his passion for investing and the good life.
“I didn’t want to have a big business,” he says. “But today, I have a 5 or a 6 or an 8 billion-dollar corporation, each of which I own 10% of.”
With BPI cash flowing into Wertheim’s brokerage account, he went to work buying stocks and honing a strategy that can best be described as a mix of Warren Buffett and Peter Lynch, with a touch of Jack Bogle, given that he dislikes fees and primarily uses two discounters, Fidelity and Schwab, to manage his massive portfolio.
With Lear Jet (later known as Lear Siegler) in the late 1950s, for example, Wertheim was practicing “invest in what you know,” the strategy popularized by the famous Fidelity Magellan fund manager Peter Lynch in his 1989 book One Up on Wall Street. Lynch told readers to use their specialized knowledge or experience to gain an edge in their investments.
In less than two decades, Wertheim had gone from ne’er-do-well to inventor and entrepreneur.
Instead of concentrating on the metrics in financial statements, Wertheim is devoted to reading patents and spends two six-hour blocks each week poring over technical tomes. “What’s more important to me is, what is your intellectual capital to be able to grow?” Thanks to his engineering background, the technical nature of optometry and his experience as an inventor, the patent library is Wertheim’s comfort zone. Stocks he invested in based on their impressive patent portfolios include IBM, 3M and Intel.
Like Warren Buffett, Wertheim believes firmly in doubling down when his high-conviction picks go against him.  He says that if you put your faith in a company’s intellectual property, it doesn’t matter too much if the market goes south for a bit—the product, he believes, has lasting value.
“If you like something at $13 a share, you should like it at $12, $11 or $10 a share,” Wertheim says. “If a stock continues to go down, and you believe in it and did your research, then you buy more. You are actually getting a better deal.” Whenever possible, he adds, dividends are useful in cushioning the pain of stocks that drift down or go sideways.
“My goal is to buy and almost never sell,” he says, parroting a Buffettism. “I let it appreciate as much as it can and use the dividends to move forward.” In this way Wertheim, like the Oracle of Omaha, seldom reinvests dividends but instead uses the cash flow from his portfolio to either fund his lifestyle or make new investments.
Wertheim points to Microsoft, a stock he has held since its IPO in 1986. “I knew a lot about computers and had been involved in building them,” he says. BPI had been using Apple IIe’s, but after Microsoft released its Windows operating system in 1985, Wertheim became convinced it would be a winner. “Only Microsoft had an operating system that could compete with Apple,” he recalls. The Microsoft shares he bought during the IPO, which have been paying dividends since 2003, are now worth more than $160 million. His 1.25 million shares of Apple, some purchased during its 1980 IPO and some when the stock was languishing at $10 in the 1990s, are worth $195 million.
Wertheim’s returns are miraculous. But merely adding $200 per month to an initial $10,000 in the stock market over the past 61 years would have produced an $11 million portfolio.Source: Investor.gov
Not all of the hundreds of stocks he has owned have fared so well. He invested big in Blackberry. “I believed in the new management and the recovery story,” says Wertheim, who will generally sell if a position reverses on him by 25%. “I watched substantial profits disappear month after month until I decided enough was enough.”
Wertheim sometimes uses leverage, but mostly in a limited way when buying high-yielding stocks. “By using the dividends to offset [the cost of] margin interest, the government is helping you increase your portfolio value,” he explains, noting that margin interest is tax deductible up to the amount of ordinary income.
“If you like something at $13 a share, you should like it at $12, $11 or $10 a share,” Wertheim says. “If a stock continues to go down, and you believe in it and did your research, then you buy more.”
But in 1982 Wertheim got caught in a margin call after Federal Reserve Chairman Paul Volcker raised the federal funds rate from 12% to 20% and the market sank 20%. The episode cost him $50 million and taught Wertheim a valuable lesson about the dangers of leverage and mark-to-market accounting. Like most other active investors, Wertheim strives for tax efficiency. In order to harvest tax losses in his portfolio, he doubles down on his losers to avoid the IRS’ wash-sale penalties. “If I have a large loss in a stock I like,” he says, “I will purchase more, usually twice to three times the original purchase, and wait the 30 days to sell the original position and book the tax loss.”
As with Buffett, Wertheim says finding companies with strong management has been key to his success. A great example of this is Heico, a family-run aerospace and electronics company based in Wertheim’s hometown, Hollywood, Florida.
Wertheim became friendly with Laurans “Larry” Mendelson during the 1970s, after Wertheim bought a condominium in a building Mendelson owned and docked his boat next to Mendelson’s on Coral Gables Waterway. “He has two daughters around the same age as my two sons,” Mendelson says. “We got to know each other socially.”
A CPA by training, Mendelson was a successful real estate investor who had studied at Columbia Business School under David Dodd, co-author with Benjamin Graham of the seminal book on value investing, Security Analysis. Inspired by the wave of dealmakers getting rich from LBOs in the 1980s, the Mendelsons were looking to find an undervalued, underperforming industrial company to take over.
After they settled on Heico, at the time a small airline-parts maker, Wertheim used his aeronautical knowledge to informally help the family analyze its business and went on to purchase shares of the company—a penny stock priced as low as 33 cents.
“At that time Heico was a disaster, but he came up and understood what we would do to make it a non-disaster,” says Mendelson. Heico was making narrow-body jet-engine combustors, which the FAA mandated be replaced on a regular basis after a plane caught fire on a runway in 1985. Under the Mendelsons, Heico expanded its line of replacement parts, which undercut established original-equipment manufacturers like United Technologies’ Pratt & Whitney and GE. After Germany’s Lufthansa acquired a minority stake in the company in 1997, airline manufacturers and Wall Street took notice, and its share price rose sixfold to more than $2. But this was just the beginning. Heico enjoyed a proverbial moat as one of only a few FAA-approved airplane replacement-parts manufacturers. This translated into steadily growing orders as Heico expanded its product mix and as demand for air travel increased. For the last 28 years, Heico’s sales have compounded at a rate of 16% per year and its net profits at 19%.
Today, Heico trades for $80, and buy-and-hold Herbie is its largest individual shareholder. His original $5 million investment is worth more than $800 million.
Clockwise from top: Wertheim with Warren Buffett; on the World in Bordeaux; sightseeing in the North Pole; with his wife, Nicole, in Corsica; examining eyes in Guatemala.IMAGES COURTESY OF HERBERT WERTHEIM
As Wertheim enters his 80th year, Herbie time has become his chief preoccupation. Besides his $16 million oceanfront home in Coral Gables, Wertheim has a 90-acre ranch near Vail, Colorado, a ­spectacu­lar four-story home ­overlooking the Thames in London and two sprawling estates in southern California. He spends many ­winters with his wife and family vacationing aboard The World, the planet’s largest luxurious residential ship continuously circumnavigating the globe, where he owns two luxury apartments. Right now, in the middle of February, the Wertheims are somewhere off the coast of Sri Lanka.
A signee of Bill Gates and Warren Buffett’s Giving Pledge, Wertheim has committed to giving away at least half his wealth, and he intends the bulk of the donations to go to public education—the very system of which he is a product.
“I would not have achieved the education and opportunities that I have had without the help of our public-university education system,” he wrote when he signed the pledge.
Stroll around Florida International University’s main campus, just minutes from Wertheim’s Coral Gables home, and you can’t help but notice buildings emblazoned with his name: the Herbert Wertheim College of Medicine, the Nicole Wertheim College of Nursing & Health Sciences, the Herbert & Nicole Wertheim Performing Arts Center and the Wertheim Conservatory. He has given $50 million to FIU and committed another $50 million to the University of Florida. Last year he pledged $25 million to the University of California, San Diego, to help create a school of public health. Beyond education, Wertheim says he’s given to hundreds of domestic and foreign nonprofits, including the Miami Zoo and the Vail, Colorado, public radio station.
The former truant and class dunce still gets giddy when he sees his name on the university buildings, asking passersby to take photos—posing in his signature red hat and new Nikes. At the medical school, he put on a stethoscope, excited to test out the latest medical dummies, which breathe, sweat and even talk. In a room designed to study obstetrics, he tries his hand at an ultrasound machine. At a lab that he helps fund, he is enamored with laser imaging and how it can help measure retinal temperature in the eye. (“I’ve fallen in love with proteins,” he says casually, discussing another eye experiment.) At the FIU performing arts center bearing his name, he suggests adding an outdoor amphitheater: “I think it’s time. I’d like to see something big happen.”
“He’s very inspirational in the way he challenges people to think big and imagine what’s possible,” says Cammy Abernathy, dean of the Herbert Wertheim College of Engineering at the University of Florida.
Still, one gets the sense that devoting time to his stock ­portfolio provides as much joy for ­Wertheim as his playful excursions and ­philanthropies.
He recently doubled down on British energy giant BP and now owns over one million shares. But rather than dwell on its sagging, crude-dependent stock chart, he’s betting on its hydrogen fuel cells and enjoying its 6% dividend yield while he waits for the company to recover.
“They have important intellectual property in that area,” he says of the cells, which create electricity by using hydrogen as fuel, a technology Wertheim believes is the future of both air and road transportation. “We’re going to move to a hydrogen economy.” Contrarian Wertheim also likes the troubled stock of General Electric; he owns over 15 million shares and has been picking up more.
He says he is making a long-term bet on GE’s intellectual property; the 126-year-old company has more than 179,000 patents and growing. Wertheim is especially jazzed about some patents that involve the 3-D printing of metal engine parts.
“You can’t look at what their sales are. You can’t look at anything. What is the future?” he says emphatically, adding, “They hit an all-time low yesterday, and I’m getting hurt. But I feel very, very comfortable with GE because of their technology.”
And Wertheim isn’t in any rush. Playing the long game is what he does best.
To learn more how the most influential billionaire investors invest their money, click here.
For more on the world's richest and brightest entrepreneurs, follow me on Twitter @MadelinePBerg. Got tips or word about a new billionaire? Go to Forbes.com/tips.
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danbily · 6 years
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A Night in Scranton
We all take jobs that lead us far off our intended career path.  Mine started in the summer of 1973 as a newly minted Greyhound bus driver, trying to make extra money while teaching school in Buffalo, New York.  I answered their help wanted ad in the Buffalo Evening News out of curiosity and as more of a joke than anything else. What does an elementary school teacher have to offer a bus company known for a dog as its trademark?  They explained at the interview that teachers made the perfect fill-ins during their heavy travel times. We appeared clean cut and were polite with the traveling public. I bought their pitch and signed up for a new driver school that started in March.  I was all of 24 and eager to make extra money to supplement my abysmal teacher’s pay. My wife and two infant daughters were my main concern in this venture into transportation.
In 1973 the highway buses all shifted with manual transmissions.  This seemed like a piece of cake for me since I drove a VW Beetle with a four speed.  I was soon in for a surprise. The industrial transmissions used in buses required a technique known as a double clutching between gears.  The entire month of March was devoted to our mastery of the elusive art of timing our gear shift movement to the speed of the engine and that of the bus. Each shift required two presses of the clutch, not one as in a car.  It was a mechanical ballet that needed perfect timing in order to avoid the ugly and annoying sound of grinding gears and a lugging diesel engine. The clutch was also industrial and needed a lot more effort than my little VW.  I went directly from Greyhound class to soaking my left knee in a hot bath at home.
By April, they’d culled out several of the teachers for their inability to master the art of the double clutch transmission.  I felt fortunate to still be in the running. We were now onto the many other issues involved in driving a forty foot long highway bus. Tight roadways and heavy traffic are not your friend.  Weather is always in the back of your mind. A bus will hydroplane in a heavy downpour. The wind can force you into another lane of traffic. Snow and ice are the food of legendary driver room stories.  Slowly, I was becoming a bus driver, sans the rough edges of a Ralph Kramden. I was to be the Greyhound model of the trade.
This all led up to my night in Scranton.  The regular driver on the run from Buffalo to Scranton was Ron Perry.  He was in his early thirties and sported a modified Elvis haircut very much out of date by the seventies.  He’d been assigned to train me on this difficult run and he instructed me to sit in the first passenger seat on the right, take out my route schedule, and keep notes.  
As we broke the state line into Pennsylvania, the road narrowed and the shoulder rose up on one side.  “Deer will leap off those banks at night,“ Ron remarked, “My buddy had one come through the windshield and kill the lady sitting where you are.”  Perhaps the extra money no longer sounded so enticing. This was a real driver speaking without the Greyhound PR department providing the script. I knew from teaching that nothing equals the wisdom in the trenches. What was I in for?
We rolled into Scranton around five and turned the bus over to a Philadelphia driver for the remainder of the run.  Ron walked me through his log book entries and took a brief peek at my notes. “Hopefully you won’t see much of this run,” he said, which didn’t sound very encouraging.  “Wait till you see the Jeremy Hotel, only the best for Greyhound!” As we walked from the bus depot into downtown Scranton, I suddenly became aware of the old coal town’s state of decay.  Soot ran in streaks off window sills. The brownstone and brick buildings were blackened like fire ruins. The sidewalks were devoid of activity and many of the local shops were already closed.  “This is the only diner open. I like their fried baloney plate for three bucks.” Mr. Perry was not a man of complicated culinary needs. We went inside and sat at the counter as the heavy scent of the fryer filled my nostrils.  “Two coffees and a menu for the new guy.” The waitress pointed to the board above the short order window. “It’s all there, hun, and if you don’t see it, just ask.”
Lo and behold, there it was. Charbroiled liver and onions with the side note “new.”  Charbroiled was new in the seventies and I couldn’t imagine what it could do to rescue liver and onions from the bottom of my list of edible disasters. Knowing that Ron would soon have that baloney plate special in front of him, I didn’t want to be outdone in the search for politically incorrect food.  Liver is high in cholesterol and acts as a filter for an animals toxins. If the road didn’t kill me, the food sure would. “I think I’ll try your liver and onions tonight,“ I said. The waitress jotted down our orders on her pad and hung a copy on a little stainless steel wheel for the cook to view. Ron smirked and remarked that he was glad we had separate rooms.  
I actually enjoyed the charbroiled liver and onions and finished my entire plate before Ron got through with his fried baloney.  We both ate for less than our Greyhound dinner allowance of five dollars and off we went to the Jeremy Hotel across the street from the diner.  The Jeremy had once been the grand residence of downtown Scranton in the days of coal. Hard times and hard traffic had left a worn track in the once plush carpet from the entrance to the clerk’s desk at the rear of the lobby.  “Hey Ron, another new driver tonight?” the clerk asked. He obviously knew his regulars and my uniform left little to ask about my profession. “Did Ron tell you about our TV policy?” I’d never heard of a TV policy and shook my head.  “They’re portables you carry up to your room. The black and whites are two dollars a night and the color ones are three dollars. Greyhound has your room charge but you need to cover your TV out of pocket.” Ron handed the clerk his two bucks and grabbed a small black and white portable from a closet behind the clerk’s desk.  “I’m beat, forget the TV. I’m hitting the hay,” I said. Then the clerk said the oddest thing. “Radio is free. It hangs on the wall above your bed and has five local stations. Oh, did Ron tell you about your bathroom?” This was getting really strange. “You share it with your neighbor. You lock him out when you enter and unlock him when you exit.  Please don’t forget this, especially in the middle of the night.” A shared bathroom? A radio with five stations that hung on a wall? What year was this? Was I still in America?
Ron hit the stairs with more wonderful words of advice.  “Use the stairs, you’ll wait forever for that old elevator, sometimes it sticks between floors.  We need to meet down here in the lobby at five AM. Don’t be late.” My training experience had just hit a new low.  What if they stuck me in this shithole all summer? I didn’t think this old fire trap even had AC. I was writing my resignation letter in my mind as I climbed the worn wooden staircase that led to my second floor room.  I was holding a large skeleton key. I’d only seen this type of key in old movies and at my grandmother’s house years ago. The hallway leading to my room smelled of years of stale cigarette smoke and spilled booze. Did anyone pay good money to stay here?  Greyhound corporate needed to hold its Christmas party here.
I entered my room like a thief, cautious yet curious at the same time.  It was clean but dark in all aspects. The walls had been painted a dark green and the furniture was made of dark wood, an old design from before the war.  The head of the bed was pushed against the far wall and there was a strange art deco metal box the size of a toaster one foot above the headboard. What in the dickens was this contraption?  I moved closer and could plainly make out a small speaker in the center and two knobs on each side near the bottom. One knob had a pointer attached and was labeled with the letters A-E. The other was circular with “volume” written in small print above the knob.  So this must be the free radio? My God, I was born in 1948 and I’d never come across such a strange device. I carefully turned the volume knob and sure enough there rose that distinctive low fidelity sound of an AM station. I flipped the selector knob through the remaining alphabet.  Each letter brought another station with two of them smothered in static. I knew from an earlier job in broadcasting that these were most likely not local stations. What an odd device, and it still worked. I’d bet most guests had dismissed this little box as a joke left over from the glory days of booming downtown Scranton in the 40s and a hotel so broke it couldn’t afford to remove useless junk from the walls.  
At that moment, I could hardly wait to see the shared bathroom I’d been warned about.  I knocked lightly on the dark wooden door and twisted the old glass knob, and, there it was, a bathroom right out of the Great Gatsby era.  Small white hexagonal ceramic tiles on the floor and shiny square white tiles on the side walls. Halfway up they ended in a black ceramic border that ran the perimeter of the room.  On one side was a massive claw hammer tub and exposed brass fixtures with white ceramic handles labeled hot and cold. A chain with a rubber stopper hung from the overflow drain. A strange oval shower curtain hung from the ceiling.  Opposite the tub was a pedestal sink flawed with eggshell like age cracks and again sporting two large brass faucets with white ceramic handles. A small hotel soap labeled “The Jeremy” was neatly placed on one side. The purchasing agent must be in a time warp or have a strange sense of humor.  Would anyone want to be found with that bar of soap in their travel bag? The toilet sat next to the sink and was a good six inches higher than my new one at home. It sported a black wooden toilet seat of the horse collar style. The brass attachments had long ago turned green from missed aims. I locked the guest door at the far end and drew a bath.  I didn’t trust the shower and I felt like a good soak was a better choice.
I’d done plenty of shifting and my left knee ached.  I sat down in the oversized tub and laid my head back on a rolled towel.  I felt like I was 24 going on 60. My doubts surrounded me like the bath water.  How did one make a career out of this type of work? Why spend three nights a week away from your family in a run down shithole in the middle of nowhere?  Whatever good thoughts I had of a Greyhound career died that night in Scranton. I heard a knock on the guest door and shouted that I needed five minutes to clear out.  
Back in my room, I stared at my bed and the small grey box above the headboard.  Let’s see what this living antique has to offer, I thought.  I switched through two stations and heard a familiar voice from my youth.  It was Rod Serling introducing a radio play on the Zero Hour. I’d loved him when I was younger and decided that this was what I’d settle on.  The play was about the Bermuda Triangle and the possible reason for its mysterious goings on. I laid there and listened, and I found myself enjoying it.  I could visualize every detail in vivid color. Radio was perfect for storytelling, and I felt fortunate that I’d foregone the television and saved three dollars in addition.  The play ended with the explanation that the Triangle was a space port for aliens. Rod signed off in his distinctive deep voice and I went to sleep early.
Years passed and I left both Greyhound and teaching behind for a far more lucrative career in sales.  I traveled to many parts of the world, always eating at fine restaurants and staying at five star hotels with all the amenities.  Of those experiences, I can’t recount one as fondly as I can that night in Scranton in 1973.
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online auto insurance quotes colorado
"online auto insurance quotes colorado
online auto insurance quotes colorado
BEST ANSWER:  Try this site where you can compare quotes: : http://salecarinsurance.xyz/index.html?src=tumblr 
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I've been looking into getting a car (I'm 25, female and it will be my first car) and I'm really loving VW Beetles. I'm leaning more towards getting an old one (say around 1970), maybe the convertible version, if I can find one. Either I would restore it myself or buy it already restored... it depends what I can find. On one hand it would be fun to restore it myself and I'd learn a lot, but on the other hand it could become quite costly. I'm just wondering whether or not they are cheap or expensive to insure? I'm thinking they would be fairly cheap? The reason the beetle appeals to me is it's very cute and also they get great gas mileage. I only really drive to and from work, which is about 20 - 30 mins each way. I don't drive long distances. Any info you can give me about beetles, I appreciate it :-) Thank you! (I want a red one!)""
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I have been told that it is not a wise idea to keep my home and car insurance together, even if I get a discount. Can anyone tell me why, please?! Thank you!!""
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I was a passenger in a car accident and my laptop was broken. Would the drivers insurance cover it? Even if it was liability, it should still have to cover it right? He says the insurance says no because I wasn't injured... That doesn't make any sense.""
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Car Insurance for a friend?
I have a friend (single mom of 2) and she needs to get cheap car insurance on her ford explore. She let it lapse for 6 months and now her loan company wants to repo her car, even though she has made every car payment. (she leases her car)...(kinda like rent to own) She got a quote from my agent, but it was going to be way too much for her. I am guessing since she still owes on the car she has to have full coverage. And can only afford less than $100.00 a month on it. She is a renter, she is going to school, and has bad credit. Are there any companies out there that she can get a good deal or at least get coverage for 6 months and re-apply with a better company?? The only one I have found out there was the general.com. And they seem to be ok...but I don't know what other options she has. Thanks for reading this!! 10 points to the best answer!!""
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Teen car insurance questions/advice?
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Actuarilly fair price of insurance?
Suppose that every driver faces a 1% probability of an automobile accident every year. An accident will, on average, cost each driver $10,000. Suppose there are two types of individuals: those with $60,000 in the bank and those with $5,000 in the bank. Assume that individuals with $5,000 in the bank declare bankruptcy if they get in an accident. In bankruptcy, creditors receive only what individuals have in the bank. What is the actuarially fair price of the insurance? What price are individuals with $5,000 in the bank willing to pay for the insurance? will those with $5,000 in the bank voluntarily purchase insurance? (Hint: Remember that there are state law facing individuals to purchase auto liability insurance)""
Why do health insurance companies care what type of doctor you see?
My health insurance is awful. It doesn't cover anything I need and I wonder why they'll offer so much to pay for one type of specialist, but none for another type. If they are willing to pay the money for one type of care, why does it matter if you want a different type of care, worth the same amount. Why does it matter what care you're getting? If you're sick, and need help, isn't that what insurance is for? Right now I need to see two doctors to treat bipolar disorder, but it's not covered at all. But if I see a doctor about my physical health, they'll pay 80%. My physical health is fine, all I need is payment for mental health therapy and medication. They don't pay for mental health medicine either. I've had the same insurance for many years before having this issue. I never actually used it, and now that I need it doesn't help me at all.""
Why do people keep comparing health insurance mandates to car insurance mandates?
Car insurance mandates are done at the STATE level, in accordance with the Tenth Amendment of the U.S. constitution. Yet people (the president included) continue to claim that a FEDERAL mandate to buy insurance is no different than being required to cover your car. (Completely ignoring that you have to BUY a car before you must get insurance...the govt's basically saying they own your body...insure it or be taxed) So isn't a FEDERAL mandate unconstitutional unless you plan on writing an amendment to the Constitution so that such a mandate is in accordance with the Tenth Amendment?? http://www.politico.com/news/stories/0909/27384.html The questions from ABCs George Stephanopoulos highlighted a politically dangerous new aspect of the health reform debate for Obama  as critics from Republican leaders to the U.S. Chamber of Commerce say his reform proposals amount to a middle-class tax increase. Obama promised during the campaign that Americans earning less than $250,000 a year would not see any tax increases from an Obama administration. Obama strongly denied that the mandate amounts to a tax increase  saying it was no different than requiring people to have auto insurance and charging a penalty if they dont. He also said it was important for everyone to have insurance so that people who do carry insurance dont have to shoulder the load for people who dont. The excise tax is designed as an enforcement mechanism to ensure people will carry insurance.""
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i need to know if this health insurance would be accepted in my area,lubbock and shallowater texas?""
online auto insurance quotes colorado
online auto insurance quotes colorado
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Wat is a website that helps to find the cheapest auto insurance possible?
Wat is a website that helps to find the cheapest auto insurance possible?
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""I need car insurance, but have a terrible driving record right now. Any suggestions?""
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I have recently had a medical issue and went to the ER. One visit racked me up over $2,000 of bills that I obviously can not pay. Now I am looking at options for health insurance, but ...show more""
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At this point I regret making a claim and wish i could turn back the clock. I am being forced into a box and it looks shady. Three weeks ago my 2005 Cadillac STS was involved in a parking lot flood where the water rose and filled the floors of my car by about 4 inches. All us neighbors had cleaning parties using a wet vac and baking and toweling are cars in the sun over the next few days letting our vehicles dry out. On my car everything works like a dream as it did before with the exception of a 'check stability control' notice that comes on when I start the car. I have been driving the car fine since the flood and decided maybe I should make a claim to fix this error that pops up on the dash when i start the car. From the time I dropped it off at the dealer it has been all negative. Right away the dealer was negative and telling me it's the end of the world with my car, everything is ruined and it will probably be a total loss. He got the adjuster for my insurance company out there and it looks like it will be put in to the total loss category. No i am just asking the insurance company to forget everything and drop the claim because the damage is not that extreme and i dont want to lose my car. I am told at this point it is too late. Is that true? My neighbors are floored by this, i have been driving it around for a few weeks just fine and the car still looks new With only 62000 miles on it. I can't help from thinking that something suspicious is going on here. Do they stand to make a nice profit by totalling my vehicle and then replacing one module for a 1000 or so and having a perfect car with all systems working? Also the lady from the claims office said the car had to be 80% damaged for it to be a total loss. I asked her if this was based on speculative problems that they think may occur in the future because of the water, or based on actual damage now? She said it had to be actual damage now but couldn't give me any details from the adjuster yet. Can I demand that the adjuster list everything that he thinks has been damaged to my car (which I am convinced he will have to be creative to do so)? The car as i said drives wonderful, I checked the fluids on my own (fine), and the car looks new. Do I have any recourse here? I just want the car fixed for the one problem, i dont want to lose the car, and at this point I don't even care about having insurance fix the one problem, but again I am told it is too late to go backwards and drop this entire issue. I almost have an inclination to report this because it looks so shady. No reasonable person would look at, and drive this car and consider it a total loss. What is the agenda of the insurance company and cadillac dealer here? Something smells foul with this situation.""
What are the consequences of switching to cheaper car insurance company? As in what would you lose out on?
What are the consequences of switching to cheaper car insurance company? As in what would you lose out on?
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I want to run a one vehicle WAV (wheel chair accessible vehicle for disabled people) car hire/rental business serving Hertfordshire the customer would hire the car and arrange for a person to drive it for them. On the odd occasion the hirer does not have anybody to drive the car for them they might want me to drive for them I have been told to do this I would need a private vehicle hire licence (mini cab drivers licence) also hire and reward insurance along with a mini cab office operators licence and the vehicle would need to be plated (tested) This is not a problem except for the hire and reward insurance which would be about 3000 per year and would not be cost effective for the amount of driving I would be doing (I would probably only be driving a customer 1 day per week). Does anybody know of a company that will insure me daily on hire and reward insurance?
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i want to change my old cavities to the white cavities to match my teeth. i hate to open my mouth in front of people because i have so many cavities. the thing is, is it covered under insurance and is it expensive?""
Adding teenager to car insurance?
I'm turning 16 in a few months and my parents said if i paid for the extra cost they would put me on their policy and i was wondering how much money it would be
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What are homeowners insurance rates for mobile homes?
Will Car Insurance Fees Go Up?
So recently i was pulled over for speeding. 50 in a 45. Will my fines go up for just being 5+ the limit? If so how much do you think? Also I'm 16 -Thanks
Will my car insurance rates go up after my first fender bender?
I'm sixteen years old and i got into my first fender bender. I was at fault, but the officer at the scene said that the damage was minor and would probably be less than 400 dollars. However, I was just wondering if my parent's insurance rate would go up ( I'm under their name) and whether or not it would just be easier to pay out of pocket. And if it did go up, how much do you think ( i live in Tennessee )""
Can an insurance company drop your auto insurance any time?
I have had 3 claims in 4 years. The first two claims where while living in another state. I since moved and just put in my third claim today (first claim with this company). My insurance payment really isn't all that high, about $75 monthly. The lady told me today that it would go up 10% if the cost was over $750. (it will be) She said this didn't effect my insurability or anything, but what if I had another accident in a year?? The real question is, can an insurance company drop you for any reason at any time? Some have said no, only within the first 60 days, others say yes, absolutely any time. What's the right answer?""
What cars are there that are decent but cheap on insurance for first time drivers? (male)?
i don't care on what the car is as long as its reliable. even if it looks like a shed. i have a motorbike for looks and pleasure with 2 years no claims if that makes a difference i don't know. cheers.
Car insurance question?
I'm 16, and im currently driving my parents car to and from school. im insured as a full time driver and have been driving since February. at the end of the summer i plan on buying my own car, and i was wondering if we cancelled my insurance on my parents car for me, and insured me on the new car would it cost more or less than it is now?""
How do I fight an insurance company over biased eyewitness testimony?
I was driving in a parking lot with wide lanes and perpendicular spaces when another driver backed out into my passenger side door. The other driver claimed that I was driving too fast and her insurance company is only willing to accept 75% liability for the accident, because of her statements and those of her friends. I don't have any witnesses of my own, but it seems rather unjust that they can base their decision on obviously biased witnesses. Neither the physical nor the circumstantial evidence supports their claims. I've written letters to the insurance company in response to their letter to me, but they haven't replied or made any effort to address my concerns. How do I fight them? This occurred in California.""
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I had to pay a $100 deductible (plus $13 tax) when a repair was made under my extended warranty on my car. Was this a taxable item?
State Farm or Allstate Car Insurance: Which one is Better?
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online auto insurance quotes colorado
online auto insurance quotes colorado
How much renters insurance coverage are apartment complexes allowed by law to tell the renter they have to car?
I was told by a apartment complex that I had to have $3,000,000 worth of coverage in my policy. Is this amount allowed by law? I've never heard of such a large policy amount for renter's insurance. BTW, I live in north Texas.""
Will insurance companies charge Yahoo Answers users more than others due to cheating on the written test?
Before getting a license (or permit), a potential driver is supposed to study a booklet of information about how to drive safety, traffic laws, etc., and pass a test. Many potential drivers post the questions from the test in the safety category on Yahoo! Answers and get the answers that way, instead of actually studying all the information that they are supposed to study. Will insurance companies decide that insuring Yahoo! Answers users (many of whom cheat in this way) is riskier than issuing individuals who do not have Yahoo accounts (and cannot use Yahoo! Answers to cheat on the test), and charge higher rates to Yahoo! Answers users than to individuals who do not have Yahoo accounts? How much different will the rates be?""
I need cheap motorcycle insurance. Cant afford the ridiculous $1500 insurance for a $3000 bike.?
And I need full coverage. Any idea? I'm getting the new 2008 ninja. I'm an experienced rider, but I have no record of motorcycling at all. I used to ride in my country. But here, nope. no record. All i can do to reduce my insurance cost is take the MSF course. Dont even have an american driver's/motorcycler's license yet.""
My medical insurance company ask for homeowner insurance policy?
I fell on my deck, and went through surgery, the total medical expense is about 25K. Now my medical insurance company is asking for homeowner insurance policy. I am not sure how to handle it to avoid any potential cost to me such as deductible or premium increase. Is the medical insurance policy the primary or the homeowner insurance policy for this case? Thanks
I'm looking for an affordable medical insurance for me and my husband. Any experiences or suggestions.?
The one I have thru my employer is not good, will like to shop around but don't know where.""
Car health insurance...?
Why does car health insurance not exist I mean if it did then you would just pay a premium and then when you took it to a repair shop the insurance would cover it.
Who's car insurance pays for accident?
A young guy hit into the rear of my vehicle the other day. When I asked for insurance information he said he is driving his grandmothers car and he can't show me any. I don't know if he is telling the truth that it is not his car or not. He just gave me his name and phone number. At first I felt the marks were not bad but decided they should be fixed. He is hoping I don't pursue any damage claim. If this is his grandmothers car will her insurance pay for the accident or will his insurance?
Motorcycle or Scooter Insurance in London?
How much would the insurance be for a motorcycle or scooter worth less than 4,000GBP in London? I'm hoping that it would be a lot less than a 50cc scooter in Dublin worth about 400GBP costing 200GBP for insurance per year.""
Can anyone recommend an insurance carrier for insuring the contents of a house move (besides the movers)?
I am moving the contents of my house from California to Colorado using the PODS mover and storage - PODS insurance is very expensive and covers virtually nothing so I would like to find a reliable insurance company that will cover my belongings during transit and storage
How much does Ensure cost?
I'm striving to gain weight and I was wondering how much Ensure costs? I'm thinking Ensure Plus in packs or as a single purchase. Please name stores that sell it too. Thank you!
How much would my insurance be for Mercury Insurance ?
I'm 16 years old, and my parents Insurance is Mercury.. How much would they have to pay for me. And my car would be a Nissan Maxima 95' so it wouldnt be a new car so how much would my insurance be ?""
Cheapest and reliable car insurace company?
how has the lowest quote out under normal circumstances? i know they categorize it based on age,sex, etc. just tell me who has the cheapest insurance.is it really GEICO?""
Does my mom need to add me to her car insurance?
So, I never got my permit. I have been waiting to turn 18. In the state of Florida. I do not need a permit 18 or over. My thing is . Her car insurance won't let me be on her insurance without a drivers permit or licence. I'm stuck now. I was wondering will the dmv require me to be on her insurance in order to take the drivers test ?""
What happens if you get pulled over without insurance?
You see I am an awesome driver. I never get in an accident because I am always well aware of my surroundings. I realized that for the past five years of owning my truck, I have spent over 10 times it's worth in insurance, and never once needed it, ever. No accidents, and no getting pulled over. Isn't insurance a waste of money for me? I figured I could just put the money I would normally spend on insurance, in the bank for the same purpose, then if I need it I can take it out. If the truck dies first, I put the money towards a new car. Is this such a bad idea?""
Whats a good affordable car insurance company in dfw?
would like to pay no more than 100 dollars a month liability but i was looking for suggestions for insurance companies for my car to check out, a company that offered raodside ...show more""
Car insurance help!!?
So about a month and a half ago, someone kicked my car at night and left a big dent. I was stupid and called insurance and they gave me two options: fix the car or take a cash settlement. However, no matter what I do, my monthly insurance rate is going to go up even though it was not my fault. I think this is ridiculous and not worth it and I just want to cancel the claim. But I have been told that once a claim is put in, there's nothing you can do and once you hit three claims, your overall premium goes way up. What do I do? Should I just stop contacting the insurance company and after a while they have to close the claim? I wanted to sell the car this week but I guess that adds too many complications...""
I just got my permit... do i need insurance?
I just got my learners permit and my dad thinks that he has to add me to the insurance (geico) but a lot of people say I don't need my own insurance.
Insurance for young adults?
I can't seem to get all of my questions answered from my own research, so I've resorted to yahoo answers. My family lost my dad a few years ago, and with him we lost our insurance coverage. We currently receive social security. This stops once I graduate. Would I be able to receive any sort benefits (any sort of welfare, food stamps, etc) as a result of this? What about college grants? Also, my mom, sister and I don't have any health insurance. I want to apply for affordable insurance, but I really don't know much about it. How much would it cost, and what are my options? Thank you so much for anyone who takes the time to answer this, I really appreciate it.""
Need condo insurance in Florida?
Hi, can anyone point me to any web sites or insurance agents in Florida that are still writing insurance for condos? Thanks!""
Will 4 year old dui affect my car insurance with geico?
Will 4 year old dui affect my car insurance with geico?
Riding a friends motorcycle without insurance?
My friend says he has insurance on his bike(ninja 250) that covers him, any other riders and any damages to the bike. He wants me to ride his bike but i have no insurance only my motorcycle permit, my question is, is he just miss understanding his insurance or is he correct about it? Thank you for any help! Also i plan on getting insurance in the next month.""
I just totalled my car. How much money can I expect from the Insurance company?
Car is a 2001 Chevy Malibu. Was in great shape. If you know a thing or two about cars please help me out. Thanks.
Can I get my own car insurance on a learners permit?
I am purchasing a new Altima on Wednesday. I am buying the car completely out but to take it off the lot you have to have insurance. Can I get car insurance on a learners permit? I'm 18. (Please don't answer if you don't know the actual answer. I don't need any opinions I need facts) Thank you in advance.
Home equity loan insurance?
We are remodeling our home for $150,000 and are wondering about home equity loan insurance. The bank offers insurance, but I'm wondering what our other options are. How much should we get and for what ( disability/unemployment/accidental death)? Thank you!""
How important is having health insurance in usa and why?
Why health insurance has more importance in usa ?Is it mandated in usa?what are the differences in insurance when compared with India?
online auto insurance quotes colorado
online auto insurance quotes colorado
""Muscle car, sports car insurance (old models)?""
Hi, im 14 and starting to get interested in buying a car, i want a old muscle car type like a stingray Corvette, Mustang, or Camaro, something of the type, like models 60s to 80s, i asked my dad about insurance on something like that and he said it would be expensive because of the fiber glass bodies and other things, i just wanted to see if he was right or wrong. so if someone could tell me all about that, i would appreciate it thanks!!!""
Will I be able to buy car insurance?Thanks?
Im 19 and I was on my dads Metropolitan insurance company. I had 2004 Honda Civic but my dad had the car title in his name. I crashed my car and I was at fault so now we're waiting for the case to settle. My dad wants to wait for the case to settle before I buy another car. The case might take another year or more before its settled. I would like to buy my own insurance and my own car. How will the insurance work out or whats the cheapest insurance? Thanks
Insurance rates for 2004 Pontiac GTO?
I am almost 18 and looking for a new vehicle. Currently I am driving a Mitsubishi Eclipse Gt (5 speed) and am paying $200 a month! They messed it up so I need to call them back it should only be $120 a month. Anyhow, I am looking to upgrade. I have been looking at Srt-4's which are quite high on insurance, Ion Redline's aka Cobalt SS which is cheaper than the Srt-4, and have currently spotted a 2004 Pontiac GTO (6 speed) , sticker price $12,000 I will try to talk them down to 9 or 10k which might be pushing it even though the car is almost 8 years old. Anyway for the minimum amount for full coverage I only want to be paying no more than $250 a month. Do you think this can be achieved? I have the good student discount and have taken driver's ed. Thanks Guys""
Non-custodial parent needs affordable health insurance?
Apparently only custodial parents can apply for CHIPS health insurance. My last job had affordable health insurance for my son, but my new job only has insurance for 800.00 a month. I only make 10.50hr and get less than 40 hrs a week. Can someone please direct me to an insurance plan that I can afford?""
Which is the best insurance web site?
I just wanna which is the best insurance quotes website?
Car insurance?
hi last week i reversed into a piller and wrecked the back end off my car after paying 411 to get it fixed my b/f was coming home from work and a van went into the side of him and wrote my car off. we are getting a courtesy car today but apparently i cant drive it until my details have been sent to dvla and they get an ok back b/f reakons it will be a couple of days but i need a car is this right and does any1 know how long it will be cause i havent had a car for nearly 2 wks now and am lost without it. thank you
How much do you pay for car insurance?
How much do you pay for car insurance?
I need insurance for my car for cheap i'm 21 i had my license for 8 months?
i just bought my car and i need insurance my parents cannot help me . i was thinking about getting insurance out of state .
Do i need insurance to get a title transferred into my name?
I just bought my first car, and i have never had insurance. i live in pennsylvania, so can i go the the title transfer place and get it done without insurance? ill get insurance the next day, but insurance companies will not accept me until the title is transferred?""
What's a website that tells you the average insurance of a car?
Lets say for a Mustang GT? I'm think of getting one but don't know how much the insurance of one is. Thanks.
HELP! I cant affored insurance...what an i to do???
I cant afford insurance is there anything thats cheap? I need to get it legal ASAP!!!!!!! Its the only car i have PLEASE I NEED YOU HELP!!!!!!
About how much will it cost to insure a 2012 Ferrari California or 2012 Aston Martin DBS Coupe?
I recently found out that I am going to be inheriting close to $36,000,000 (after all of the government fees and estate lawyers fees and everything else). I have always wanted a Ferrari or Aston Martin. Please don't say if you have to ask you can't afford it...as stated I am inheriting a lot of money and can easily afford it. I just want to know how much the insurance will cost me for planning purposes. I am a male and will be 20 when I get the money (and then the car)...it is going to apparently take between 9 and 10 months to get everything done for me to have my money. I have a good driving record (been driving for 2 years) and am a student and live in California (Orange County normally but for school I will be in Provo, Utah...studying to be an Accountant :] ). So knowing all of that, approximately how much will it cost me to insure a 2012 Ferrari California or 2012 Aston Martin DBS Coupe?""
Why is massachusetts excluded from affordable life insurance companies such as colonial penn?
and mutual of omaha.
Car insurance?
I have been looking about getting a small car and i was just wondering how much younger people have paid for their insurance. Im 18 and it is really high and i was wondering if it was like this for everyone??
Looking for good medical insurance?
I know blue cross/blue shield is good, but, what other insurance is out there? I need to insure myself, my son, and my fiance. I need to find some fairly cheap insurance as well. Know of any? And also, dental.""
Insurance question?
what is the average price of insurance of a 18 year old male with a sports car in the zip code area of 72601
What are typically the cheapest auto insurance company in Massachusetts?
I currently am with MetLife but they increased charges this year, so I'm looking to change the company. Any suggestions to cheaper auto insurance? Thanks!""
Can I still appeal what happened on my car insurance?
During the December Blizzard Massachusetts had my car slid down a hill and hit a curve and they had to total my car.... Now since I was the only driver I am 50% at fault for this accident Anyway a lot of people have been telling to appeal it as an act of god. Problem is I have been too busy trying to get a new car that it went past 30 days from the surcharge notice date and I need to know if I can still appeal this. I am a safe drive and I was going maybe 10 mph down this icy hill when my car slid on the ice...Please any help would be appreciated
Auto insurance for a 16 year old female?
*im adding some details i forgot to add last time, sorry for the question repost I was trying to do the online quote thing but i cant because its asks for a phone in order to generate the rates , and im most certainly not about to give them my phone number. No way jose.thats why im asking. -Im a 16 year old female -Dont have a license (yet) -im single -I would be driving a 2001 kia... i think sephia? Idk but it looks like a very basic car. -I have good grades -i have never gotten tickets or DUIS -I live arizona -I would only be driving to school which is approx. Seven minutes away fron where i live -I would only also be driving to work which is about 15 min away -I work part time So do any of u have an estimate??? Also please dont comment something irrelevant or pointless""
Switching to liability only car insurance?
Hi. I just moved to a new state with ridiculously high car insurance rates. My new rates are nearly double what I paid in my old residency. If I switch my coverage from full coverage, to liability only, how much would I save (approximately?) I currently pay nearly $230 a month on car insurance for full coverage. About how much would liability only be?""
Is this a reputable health insurance company?
Does esurance.com list reputable companies or do they list just any company? It looks like I have found a really good deal for student indemnity insurance from a company called Time. Does anyone know if this is a good company?
How much midwife cost w/wo insurance?
I am not sure if my insurance covers midwife expenses, hence any advice shall be helpful. Also, where can I look for a midwife who accepts insurance? Possibly ask my OB or hospital ? please advice""
Can car insurance be under my name if the title of my bfs car is in his name?
My bf is getting his mothers car. Can he put the title and register it in his name but have the car insurance in my name? He wants the insurance in my name so that he has a better rate. He had a DWI 2 years ago. If that is possible what kind of issues could i possibly have if the insurance is in my name.
Who'd rather have health insurance than Free National Health Care
Despite the imperfections in the system (and there are plenty) I'll keep what I have rather than Micheal Moore's fictitious nirvana of government run health care.
Cheapest car insurance?
new drivers
online auto insurance quotes colorado
online auto insurance quotes colorado
https://www.linkedin.com/pulse/cheap-online-car-insurance-companies-blake-weber/"
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pttedu · 3 years
Link
Philadelphia Technician Training Institute offers advanced automotive repair programs to the students who want to learn the techniques of diagnosing and solving the alignment and engine problems. https://ptt.edu/programs/automotive-training-and-repair-technician-program/
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Los Angeles California Cheap car insurance quotes zip 90093
"Los Angeles California Cheap car insurance quotes zip 90093
Los Angeles California Cheap car insurance quotes zip 90093
BEST ANSWER:  Try this site where you can compare quotes: : http://howmuchisinsurance.xyz/index.html?src=tumblr 
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A few nights ago I accidentally brushed the side of my neighbor's car with my front bumper (cause she was parked like an idiot as usual). I'm taking full responsibility of it cause it's my fault and I have no problem with that. Initially I was going to pay for the scrape to be compounded out and whatever else was wrong as a result of me hitting it. However, when I spoke to her, she started pointing out a ridiculous amount of things: there's a scratch in addition to the scrape (ok, sure), she says I cracked her light (maybe I did, it's possible) but she's also saying that I caused her tire to pop out and that there's tread missing from it (which makes absolutely no sense because I didn't hit the tire or rim or wheel well at all). Basically, she expects a whole new paint job and a set of tires which is ridiculous for the small amount of damage that was done. I want to make sure she isn't trying to take advantage of my insurance company and cause my rates to skyrocket as a result. The car is a complete piece of sh*t and she doesn't take care of it at all - the paint's dull, the rims are rusted - and I think she's trying to fix these things by making it like they were a result of me hitting her. I have no problem at all taking responsibility for the damage I did, but I do have a problem with her making things up and trying to fix other issues through my insurance company. The last claims representative I spoke with told me that I would not be contacted by the adjuster at all since there is no damage to my car. Since she's going to be talking with the adjuster and I won't, I'm afraid she's going to exaggerate the amount of damage. Should I call my insurance company and tell them this? Will they care? What can I do?""
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Just wanted to know if Conway is near the Myrtle beach airport and how far it is from the beach. How much is real estate tax for a home for about 100,000 to 200,000? Are there any marina's close to Conway? Is there a city wage tax on income? How much is car insurance? We live in philadelphia and are tired of the area and the high cost of living. Thanks, Jeanete [email protected]""
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i am 22 years old and i have no health insurance and a LOT of health problems. does anyone know any affordable health insurance plans that would cover pills or partial of the pills, doctor visits, or most of the doctor visit, and hospital bills. i live in new jersey""
Help i need affordable health insurance for my college student daughter in texas?
Help i need affordable health insurance for my college student daughter in texas?
Car Insurance for a 19 yr old male?
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my family is visiting us in california and need medical visit. they have visitors insurance which says that we need to pay for our visit now and they will evaluate and reimburse us. do these insurances reimburse anything and everything? what is a hospital/clinic to visit for visitors around southern california? how is kaiser?
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If you are not insured will you not receive emergency treatment in A and E? Do you have to pay for this? HOw do they make you pay? What about if you have cancer or need long term care for a degenerative illness? Do many people die in the USA because they are unable to afford treatment? Also I heard that the incedence of TB and pneumonia among the poor in the USA was on the increase because they have no access to healthcare is this true? Sorry I know this is a lot of questions maybe i should split them up next time. :-)
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for 21 old male as a learner in uk ..
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I'm 17 years old, currently in high school, upcoming Senior, I have had my license for about 6 months with no accident, I usually have a A/B grade average in school. I want to purchase a 2006 Honda Civic Si, it's a 2 door coupe, with 197 horsepower. As of right now I am currently using a 2002 Honda Civic Coupe EX, I have someone that's going to buy my car for around $5,000, I'm going to use that as a down payment, the Si will be around $15,000 used, at a dealer, around $8,000 after I put $5,000 down, and the additional $2,000 I already have in my bank account. How much do you think I would be paying for insurance on this car? Additional questions: - Do I have to have full coverage? - How do I quote full coverage on a insurance site? - Which insurance company would be better for me? Additional information: I live in California. 17 years old. Held license for a little more then 6 months. Better than B average. I have a part time job outside of school, my parents will provide the loan, and I will be put under my parent's name, we own 3 cars in all (mom, dad, and me)""
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I need some cheap car insurance. I have a 2005 suburvan, a 97 chev pickup and a 97 mercury tracer.?""
Los Angeles California Cheap car insurance quotes zip 90093
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Company name United insurance company of America Miami Florida.
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I live on a very busy side street where there is more cars owned by people that live on the street than there is parking spaces for these cars. I am just wondering if i have to park my car on the road around the corner fron where i live is the insurance still vaild if it gets stolen, because when i took out the insurance i was asked where is the car kept over night? and i said on the street where i live""
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I am a 16 year old girl, I have a 3.7 GPA, and a drivers ed class that I took. I am looking to buy a car, and I have my eyes on a yellow Chevrolet Monte Carlo. My insurance is with state farm. does anyone know any estimates on about how much my insurance will be? thanks :)""
What is a good affordable health insurance for a part time worker?
I am a part time worker averaging 15-20 hours per week, minimum wage. I do not qualify for the job insurance since I have to be full time. Not married, no kids, 20 years old, living at home with parents still. I have been very healthy, never been hospitalized for any reason. If anyone could help me find an affordable health insurance for myself, or even better an insurance that can also cover my parents and myself at a good price. My mother had surgery 5+ years ago, other than that she has been healthy. Is there any insurances out there that are affordable for me? Please and thank you!""
How to get cheap car insurance for a student in the uk?
I live in the uk. 19 years old and want to get a car. I have tried quotes and the cheapest i have found per year is around 5000, which is a JOKE. i want to know how to make it cheaper. My dad is a taxi driver so i cannot use his insurance thanks""
What are different basic insurance certification programs?
Am looking for an insurance career. Am a mom thinking of starting my career after a 6 yrs break. I want to know the basic insurance courses available. are thereany govt recognized exams and certifications available am totally new to this am newto USA so dont know much abt the programs. pls help with some info.
Im 16 and need car title and insurance advise?
I was wondering if it would be better to put my car in my name or my parents name. I have a 1998 toyota corolla and I was also wondering about a rough estimate for a new 16 yr old drivers insurance rates
Do I need car insurance ?
Ok so u just got my learners permit today and my mom said she's pretty sure I don't need car insurance that I'm automatically covered since I'm a minor and can only drive in the car when they are in it so am I covered I live in Tampa Florida if that matters I just want to start driving immediately but dad says I need to make sure I'm under his policy so I can drive
Will my home owner insurance go up if I make a claim? How much?
I live in Massachusetts. Let's say a homeowner has a flood, and claims a $3000 loss, minus a $500 deductible. Will they be punished severely with increased rates? What will it cost them? Will it make a difference if the damage was someone else's fault (e.g. in a condo where a first floor unit could be flooded by a broken water heater on the second floor, or by a fault in the building's plumbing which is owned by the association?) Will the insurance company send their lawyers after the party at fault, and in that case would they not raise the rates on the claimant? People tell horror stories, usually about car insurance, where the rates go up so much you pay the insurance company back for the whole claim. But I pay all of $220 per year for $30,000 in personal property coverage. If I claimed a loss of a few thousand dollars, how much could they really raise my $220 premium?""
Los Angeles California Cheap car insurance quotes zip 90093
Los Angeles California Cheap car insurance quotes zip 90093
AA Home contents insurance?
Hello The AA Contents insurance seems good value What do you think.
Why do insurance companies hate performance/modified cars?
It seems like the ideal insurance company wants you to drive a safe and slow bumper car and have absolutely no fun driving to and from wherever you are going. They assume that any sports car or car with performance enhancements means you will crash. It means you are a reckless driver and no good to the general public. It means you will blatantly violate the rules of the road and have no remorse for doing it. All of that is a load of crap... Most of the major car companies don't even offer, when getting a free quote, to see Ferrari's or Lamborghinis prices, they just won't insure them! Your expected to report any and all modifications to the company so they can jack up the premium. So why do they hate those types of cars so much?""
Car insurance question?
Im currently a proposed driver on an car insurance policy(FULLY COMP) on a Fiat Punto and im 19. My elder brother is getting a Vauxhall VXR and said if he is insured on the car (fully comp) and said if i drive his car, i am legally allowed to drive it but i will only be covered under Third Party. Can someone outline the Rights and Wrongs? Is it actually legal? any problems which may arise?""
No insurance..?
Okay I have went to 2 doctors appointments with no insurance.. but now I have insurance.. How much do you think its gonna cost for them two visits
If a vehicle would be totalled by the insurance company?
Had an accident with an 05 Ford Expedition with 70K miles, The impact of the accident was on the front right fender, looks like it knocked the engine off the mounts, oil and other fluids everywhere and the right front corner of the frame under the engine looks bent. On the drivers side front fender it looks like it is bent at an offset of about 2 - 4 inches. Bottom line question, will the insurance company fix or total out the vehicle?""
What is the cheapest van to insure?
Ive just passed me test (finally, at 21) and i havent had a car or van insurance quote under 1900.... The cheapest ive had is a peugeot partner pre yr 2000, even smaller fiestas and ka vans are 2000+ are there any vans out there at prices that arent gonna cost me 190 a month""
Insurance.?
Does anyone Own a Mustang GT Bullitt and by any chance happen to know how much the insurance usually is?
Can someone help me find car insurance for my dad?
my dad is looking for a car insurance company that insures anyone who drives his car, ie. his children. is this possible? what insurance companies offer this type of insurance?""
Car insurance or is it?
My truck was broke into a couple of hours ago and my pistol was stolen. i called the insurance (farmers) and they said the gun isn't covered by car insurance, it's only covered by homeowners insurance, and no my truck was not at my house. does this sound right to anybody? i don't understand what full coverage means if they don't fully cover everything.""
""Can a driver without a motorcycle license, insure a motorcycle?""
To be more specific, here is the story. I am a 20 year old male from Illinois and getting motorcycle. Insurance is something I dont want my name in, well I want to be a second driver. The question is can the insurance be written to my dad, who does not have a motorcycle license. He does have a regular license. I know that second drivers are insured. So I would be paying less money for insurance, but I would be able to drive my bike. My dad will be getting a license, but first needs a motorcycle. So again can he get insurance on this motorcycle without a license?""
Can I drop my non-owners insurance policy after I get my revoked license back?
I got a DWAI a while ago, and I will be eligible to reapply for a license soon. In order to do this, I have to apply for non-owner's car insurance and fill out an SR-22 form. After I have gotten my license back, can I legally drop the non-owner's insurance? I have never owned a car or had insurance before, so I have no idea how car insurance policies work.""
How much would it cost to insure a 2008-2011 Saab 9-3 Aero? Or just a 2.0T?
I'm a 16 year old guy in Southern California if that helps
Sports car insurance... Wil it be cheaper if...?
Well im 18 years old and still live with my rentz. I have a job and i make 1400-1600$ a month. I have only a few minor bills. Here in about 3 weeks im buying a 1996 pontiac firebird v6 coupe from a dealership. Before i buy the car i need some insurance info. Iv been to over 10 of the leading insurance companies and gotten rate quotes and there all 400$+ a month.. This is suprising because i only payed 120$ a month for my old car ( f150). So im wondering if my insurance will go down if my parents add me and my car to there insurance? If so how would i go about this? And how much of a price difference would it be? All answers are appriciated.. **No Spam Please**
What's the most affordable auto insurance when you have drivers under 25?
I have two sons: ages 21 and 16. Need to know the cheapest option someone has found. The 16 year old took the defensive driving course, that it helps to lower his monthly insurance payment? What else, if anything, helps to lower the cost when there is under 25 years old drivers? Appreciate your answers""
How much does insurance cost on a 1988 mustang gt?
I'm 20 and was wondering how much it would cost. I have a clean driving record, and I live in California. I already own a 2000 mustang v6 and it's a little expensive on liability only. Will the 88 gt be more expensive than the 2000 v6?""
Can you rate these cars on insurance coasts?
I was looking at buying a car. I have selected a few cars that I was interested in buying, but I don't know the coasts of car insurance. Can you give me a price range or tell me terrible, bad, average, good, great. If you can give me a price range that would be great and thanks for the help. The cars are 2005 Nissan 350Z Coupe, 2006 Hyundai Tiburon SE, 2009 Mitsubishi Lancer ES, 2006 Audi a4, 2000 Hyundai Tiburon, 2002 Audi TT, 2004 Mazda RX-8, and 2010 Toyota Corolla.""
""What would be a good, cheap to insure and reliable car for a 17 year old?""
What would be a good, cheap to insure and reliable car for a 17 year old?""
Renting a car without insurance?
I am planning a trip in a couple months with a friend of mine. We will need to rent a car. I do not have a license, so she'll be the driver. She doesn't own a car, so she doesn't have any kind of car insurance. We'll be renting with a debit card, so there won't be any coverage from a credit card either. Will we need to buy the rental insurance from the rental car company (most likely Thrifty)? Any idea how much it would cost?""
About how much would insurance cost for a 2012 chevy volt for one year?
I need to know about how much it would cost for one year of insurance for a 2012 Chevy volt. This is for my drivers ed class, and if you could tell me what insurance company you are getting your answer from.""
I want to save money and am looking for cheapest car insurance in uk?
can any one tell me where to get an insurance say third party only or fire and theft at the most for less than 500 pounds a year online
How would my insurance company know this if I don't tell them?
I am getting ready to buy a home (Already selected, move in will be next week) and I own a German Shepard. I am currently shopping for homeowners insurance, and I know that many companies will not insure you if you have an aggressive breed of dog, and the ones that do will give you higher rates because of it. So I was wondering, what reason do I have to tell them that I have an aggressive breed? When they come to inspect the home, my friend down the street can watch my dog for a few hours. If I were to just leave out the fact that I have an aggressive breed so my rates will stay low, how would the insurance company ever be the wiser? PS: This IS a repost. Last time I asked everyone said Well it's misrepresentation and if you have ever have to make a claim, then they can deny you because you lied about the dog. Yes I understand what the consequences would be, that wasn't the question. My question is HOW could they ever find out in the first place? If I have to make a claim for say, a fire, then I could have someone take my dog for a few hours again and make the claim without having any reason to mention the dog? So how would they ever know?""
Why are rich people so upset that poor people and youngters can now get affordable 'health care'?
here in mississippi for our age group it's like only $500 a month. No wonder they need to raise the minimum wage.
Why should car insurance be cheaper for young people?
car insurance should not be cheaper for young people because they are not responsible
How much should I pay for car insurance?
I own a 1994 Camry XLE. 215,000 mileage. How much should I pay a month for some decent insurance?""
How can these insurance companies like Geico claim to save you money on your car insurance when ?
when they are spending so much on stupid commercials
Los Angeles California Cheap car insurance quotes zip 90093
Los Angeles California Cheap car insurance quotes zip 90093
Car insurance cost of 94 Cadillac devill?
Car insurance cost of 94 Cadillac devill?
What are the risks of getting cheaper auto insurance using friends/work address?
Getting a car insured in Hoboken is very expensive ($750 for 6 months). Some of my friends use their friends address (Say Edison address) and get much cheaper quotes. What are the risks in doing this? My friend also had a claim with no problems (but it was a minor claim). Please advise?
If there is no damage to either cars then how much would insurance rates go up for the person who caused it?
i was in a accident today and this hood girl came out of nowhere but the only damage that occured was the front tag of my car came off and her car has no damage. How much will my insurance rates go up.
Insurance for 16 year old?
I turn 16 and get my license in June(I'm a guy). I'm getting a 2003 Toyota Rav4, and going through Travelers on my dad's plan which has 5 cars on it already. How much will liability and collision cost for me?""
How much is insurance on a genesis coupe?
I'm thinking about getting a genesis coupe sometime in june. How much is insurance on this car? I'll be 17, and I have done drivers ed.""
What's an affordable life insurance with no health exam?
My father needs life insurance and has health problems. He needs something with low monthly payments, but will provide enough if he has a natural death.""
Which life insurance company to choose?
I need better life insurance. I am so afraid of something happened to me then my husband or son to have nothing but my debt. Or if something happened to both of us then our son would be left with nothing except enough to cover funeral. I have NO idea which company to even start with. There are sooo many. Metlife, Prudential, Allstate........... I dont even know how much would be a good amount. $100,000....$200,000? Help, I have never done this before. I have just the crumby policy through my employer and its only like $7,000 or $10,000 or something.""
I am 19 years old what is the cheapest auto insurance?
I am 19 years old what is the cheapest auto insurance?
Do I need to add my name under car insurance?
Hi I just got California driving license.My dad has liability insurance.We have old car so we are paying 300-400$ per year for it.I will not regularly driving that car then what should I need to do? Do I have to add my name under current insurance policy and is it illegal to drive without adding my name? People with 2 or more cars have which type of insurance? seriously we are new here and don't know much about this rules and what people do? I'll be highly thankful to you guys.
What insurance covers a driver to drive any vehicle?
I am looking for this type of insurance and I was told about it but I don't know if it has a specific name
Average teen drivers insurance cost?
about how much would it cost to get insurance on a 16 year olds car? does adding it to the parents insurance make it less?
What is the best health insurance in california?
sould i go with the one that has deductible, and what it turns out that i have a cancer , m'i gonna be covered. i've been having this buzzing ear ( left) for few months and now i get dizzy when i look up and i started to feel oressure in my head and light headache. my emplyer's insurance start in 2 months and i need to be checked now, and i don't qualifie for medi cal any suggestion , advice?? thanks""
What is a good month by month health insurance company in Central FL?
I need health insurance hand don't have a job. What is a good pay by the month insurance company that has decent coverage and is affordable, by affordable I mean between $30 and $80 a month.""
Credit life insurance?
My mom passed away in sept. of cancer. She had a $100,000 balance on her mortgage loan. Now I just recieved a letter stating that her credit insurance had gone through and a check had been sent to her mortgage account number. I have never even heard of credit insurance, does this mean the remainder of her loan is gonna be paid off??? If so I am in shock.""
What do i put for date of license on Geico insurance quote?
I was filling out an online insurance quote from Geico. When they ask for date first licensed do they mean your lerner's permit or your regular license?
""Is it cheaper to be put on your parents car insurance, or get your own?""
I'm 16 and I need car insurance, would it be cheaper to be put on my parents, or get my own entirely?""
What motorcycle insurance should I get?
I recently got KLR650 and was wondering what kind of insurance should I get? What is the most common coverage? Also what insurance company are you using and are you happy with them when it comes to price and service? Thanks for all the answers
""Getting my first car,without license or insurance?""
Hi i live in California and im getting alot of money to get my first car withing a 90 mile radius,the problem is that i have no DL or insurance.My question is what happens if i get stopped?Im only going to be driving it to my house and thats it until i get my license.Im also buy it off a person not a dealer.""
What is the best UK car insurance for me to get?
Ok, i'm a little confused here. Basically my insurance expires in a few days and i'm coming up to 4 years no claims. I've never protected these claims (obviously as you cannot protect less than four years) and on my renewal i've come to a dilemma; 1) I have got a fairly cheap quote which includes courtesy car, legal cover and windscreen cover (this is cheaper offer but doesn't offer protected no claims). or 2) courtesy car, protected no claims and windscreen cover (this is a little more expensive but doesn't have legal cover). Now my question is (since I don't know much about car insurance, i just know its a law), how important is legal cover? i'm assuming its very important but for the last four years i've never had any claims or been in any accidents, and i really want to start protecting my claims since my car is kind of old now and i'm worried about losing the last 4 years, any tips or advice? oh this is on comprehensive by the way. Thanks in advance to anyone that can help.""
How do I know if my auto insurance settlement offer is fair?
How do I know if my auto insurance settlement offer is fair?
Im a new biker what is teh best bike for insurance?
ive just passed my cbt i can drive up to 125 cc what is the best bike (under 2000 pounds) for insurance and what company are best most of my insurance quotes seem to be in the 1000's range
Auto insurance quote with unreported accidents? What will happen?
A friend has 3 accidents in her driving record. She got an auto insurance quote without mentioning any accidents. The company sold her the insurance without any further verifications. Is that a big problem? In case of an incident in the future will the company check her records and create any problems like not approving claims or so? Should she just ask for a refund to prevent further problems. What is the worst that can possibly happen? We are kind of newbies here. Please advise...
Are Honda Preludes considered sports cars to insurance companies?
Im looking for a Honda, and i keep finding Preludes, i love the car but i have been told i cant get one because they are considered sports cars and sports cars are more on insurance, can anyone help me!? Are they really considered sports cars?""
Should I get car insurance in my name or parents?
I'm 16. A lot of people are telling my parents to get my car insurance in their name and not tell them i'm the primary driver because it will be so much cheaper. Does that mean if I get in my first wreck they won't cover it or they'll just raise it after?
Will the car insurance go down?
I got into a car accident and I'm on my mother's insurance. I know the insurance will be raised. I was wondering if her insurance would go back down if i was taken off the insurance? Can anyone help?
Los Angeles California Cheap car insurance quotes zip 90093
Los Angeles California Cheap car insurance quotes zip 90093
https://www.linkedin.com/pulse/what-best-pet-insurance-relate-ur-experiences-plz-kevin-freeman/"
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#Embargo #MaPoli The Irony of a young brother being shot & killed over a pair of $200 Michael Jordan sneakers at a Community Center named after our great folk hero: Fredderick Dougalss. 110 homicides in D.C. 360 in Baltimore. Boston has 4 teens killed since Halloween. Memphis, Columbus, Chicago #StayWoke James was the sixth teenager under the age of 18 killed this year in the District and the second student from Ballou to die in violence in 2017. WashingtonPost.com -Mother of slain teen says son was killed over $200 pair of Air Jordan sneakers The shooter, Smith said, “just wasted another person’s life, as well as his own.” Police Chief Peter Newsham said detectives “tentatively think it may have been a robbery,” although the investigation is ongoing. No arrests had been made as of Tuesday evening. The shooting occurred shortly before 6 p.m. on an outdoor basketball court at the community center in the 1900 block of Frederick Douglass Court SE, a cul-de-sac lined with newer-model homes with grass plots off Alabama Avenue and near Suitland Parkway. Police did not say if the shooting occurred during a game. Police said James ran about a block after being shot, taking a path that cuts through a line of homes to the 1800 block of Bruce Place SE, where he collapsed. He lived with his mother; older brother, who works as a mechanic at Joint Base Andrews; and stepfather about one mile from the recreation center. All James Anthony Smith wanted for Christmas was a pair of bright red Nike Air Jordans. His mother paid $220 for the sneakers and gave her 17-year-old son his gift a bit early. They went from store box to James’s feet without ever passing under the tree at his Southeast Washington home. The Ballou High School sophomore enjoyed them for four days. On Monday evening, police said a gunman shot James on a basketball court at the Frederick Douglass Community Center. His mother, Benita Smith, said whoever attacked her son took the sneakers. He was found a block away, on a street, shoeless. He died less than two hours later at a hospital. “He was an all-American kid,” said his mother, who works at a day-care center. “He loved his red shoes. He loved basketball. He loved his computer games. . . . I can’t believe he was killed, all over a pair of shoes.” Smith said her son enjoyed Spanish classes and was working to shore up his grades. She said she allowed James to have his Christmas gift early “because he asked and he’s a good kid.” Before he left to play on Monday, Smith said he “told me he loved me.” D.C. Council member Trayon White Sr. (D-Ward 8), met with Smith and later called for more resources — police and otherwise — to combat crime in his political subdivision that struggles as among the most impoverished and crime-ridden in the District. He also called on teenagers to stop senseless killings. “We need some new re-education as to how we should act as a people,” White said. “We shouldn’t devalue ourselves to an Air Jordan.” Killing over designer sneakers and jackets had been the motive in several killings a number of years ago, but hasn’t surfaced in too many crimes recently. In 2012, $450 Helly Hansen jackets were prime targets for burglars and robbers in the Washington region. An Olney, Md., teenager was fatally stabbed at the Woodley Park Metro station after confronting another teen who was wearing his stolen jacket. That same year, a 19-year-old was shot to death in Northeast Washington by a man who wanted his white $200 Nike Zoom Rookie sneakers. James was the sixth teenager under the age of 18 killed this year in the District and the second student from Ballou to die in violence in 2017. The other, MyAngelo Starnes, 16, was fatally shot in September during a gun battle when he returned to a neighborhood his mother had moved away from. In 2015, another Ballou student, Malek Mercer, 15, was killed when his mother said he refused to give up his designer belt in a robbery. #NewYorkCity #Boston #Miami #Chicago #WashingtonDC #Baltimore #Dallas #Atlanta #LosAngeles #Oakland #StLouis #Milwaukee #NewOrleans #Springfield #Charlotte #KansasCity #Columbus #Philadelphia #Pittsburgh #Louisville #Indianapolis #Charlotte #Dallas #Atlanta
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