#my $5 monthly helps keep the game free so you dont have to spend a cent youre welcome 😉

[alchemiclee]

when people complain about games like genshin and star rail trying to push you to spend money, I laugh because that's just them being bad at self control if they give in and feel the need to spend. you can play completely free and be absolutely fine. I was f2p on genshin for 2 years before I got the welkin to help while streaming on twitch to get a few more pulls to do at the end of my streams for entertainment. before that, I got every single character I wanted and a few weapons f2p (just from simply playing the game!) even with horrible luck (my average pity was 78-80 per 5 star. i think only 2 so far in my whole genshin career were under 75. and a handful of loses as well) so don't complain if you can't resist the urge. that's on you. they don't force you to spend. if you play the game normally and aren't trying to get every single character/weapon, then you don't need to spend.

but ALSO. the reason you can even play the games for free and we get such great high-quality content is BECAUSE PEOPLE PUT MONEY INTO IT. if no one did, you'd have to pay like idk, $80 or whatever games cost these days to buy, PLUS probably pay for every update like it's a DLC, so another, i don't know, $20 every couple months? or have to subscribe monthly to play. the fact that you get it all for free is because other people pay for stuff. so stop complaining about things costing real money and the fact that other people even pay for it, and start thanking the people who put money into it so you others who can't afford it don't have to!

[percyjacksonunofficialfanpage]

okay so my last post got more love than i normally get so my adhd is telling me to completely ignore all the schoolwork i have to do and instead write more little things that nico would totally do, and not proofread any of it. just as soon as i finish typing hit post. so that’s what im going to do

there might be ToN spoilers in here idk im kind of just writing this as i think of things

but otherwise enjoy this part 2 of my thoughts and ideas

1.) nico would definitely get will a bunch of star wars stuff (it was revealed in ToN that will is a massive star wars fanboy and im so here for it) whenever he could. like birthdays, anniversaries, little obscure holidays that nobody even really celebrates, like national days that you make up on that website. nico would just be walking around the mortal world and ever time he would see star wars merch or collectibles he would try to buy something for will

2.) because of this, will has a big shelf by his bed in the apollo cabin dedicated to those funko pop figures that nico has gotten him over the years, and will would DEFINITELY be the kind of person to keep them in their original packaging, either that or he would have special display stands for each figure

3.) and every time nico walks into the apollo cabins and sees will’s shelf of Star Wars Things From Nico, he would get really happy inside because it meant that will really appreciated all nico’s efforts

4.) also can we please talk about how solangelo would absolutely do things with the younger campers, like teach them how to play pinochle (even though they aren’t very good at it themselves) and like will would bring board games to camp and he would spend hours with little kids playing candyland or monopoly or whatever. 

5.) this isnt relative to the rest of the post, but like i dont think solangelo has ever kissed? like not in BoO, not in any of the ToA books? and if they did and i somehow missed it can someone please? tell? me? but otherwise like what is rick waiting for please i need the nico series to be true so that maybe they will kiss

6.) anyway back to the normal stuff

7.) also kindly imagine nico and will having like star wars movie nights and like using a projector or something that leo made so it works for demigods and using clamps to attach a sheet to the side of the hades cabin

8.) and then at night they would set up the projector and watch star wars movies and hold hands without really realizing they were holding hands

9.) and the first time they did a movie night, these little kids that were new to camp would kind of linger a few feet away, wanting to watch the movie with them, and so thats how nico and will ended up hosting monthly movie marathon nights with popcorn and mcdonalds

10.) also (for the sake of this lil headcanon please imagine that demigods can use phones) will would definitely put himself as an emergency contact in nico’s phone, and also set up all that medical info in the health app, just in case nico collapses or gets injured after a battle and is stuck in the mortal world and a mortal finds him, then they can contact will and he can get there ASAP or at least give the mortal directions for what to do

11.) i think if nico and will could have regular mortal jobs will would obv be a surgeon or some kind of awesome life saving doctor but then i dont really know about nico. like he could go down lots of different paths. but for the sake of NOT going off on a tangent and just sticking to giving u guys headcanons, i think nico wouldn’t really have a job, he would maybe just live in italy or france or somewhere with that aesthetic and sell things he makes or maybe run a little storefront (i realize that these qualify as jobs and yea but hear me out i’ll probably be able to take this somewhere) 

12.) and he would like sell little items and things and antiques, and if someone came into his shop and he had a good feeling about them, he might give the item to them for free or like give them a discount. like

13.) i’m kind of imagining an elderly italian lady coming into his shop and shes really nice and sweet and they talk a little bit and he decides to give her like an old necklace for free. idk that just so cute to me

14.) but back to actually possible things i 100% believe that nico and will would play pranks on each other and try to minorly inconvenience one another all the time. 

15.) like one time nico might take only half of wills socks, so none of them match

16.) and then to retaliate will set up an elaborate rube goldberg machine type thing with the help of the hermes cabin and percy and some mastermind athena kids so that when nico stepped outside of his cabin the next morning a massive bucket of water would be dropped on his head

17.) and they just go back and forth and they’re really competitive with each other but never in a mean way, like they never take it too far. 

anyway that’s all, i might write more if i think of any! :) xoxo

[daggerfall]

Thanks for your answer to my dungeon question, but I have more ESO questions. Which DLCs (is that the right word?) are worth getting? I have Morrowind, I think it came with the version I bought, but which ones should I get? Or should I get all of them? BC it's tempting, but also... they cost money. Or should I think about this after I've played what I got, because there's probably like 1000000 things to do here.

Personally heres what I recommend:

Play through all of your alliance's main quest and the Main main quest with the 5 companions. There's so much in the base game, you could get hundreds of hours out of that alone.

Ask: do I really like this game enough to keep playing? Or do I really like my vestige enough that I want to keep playing them? And do I have enough time to play the dlc?

If you decide you like your vestige or the game enough to potentially give ZOS your money, buy eso plus for access to all of the DLC at once. It's way cheaper to just get eso plus, and then use the "free" monthly crowns you get to slowly buy access to the dlcs. That way if you stop eso plus, you still have some of the dlcs!

Play all of the dlc in order, this is because there are mini easter eggs and exclusive dialogue for playing in the release order. Thats why I dont recommend individual dlc on their own, since most are part of a mini arc with other dlc, or play into the big overall eso story. Look up release order or the flow chart play order.

(Personally I really love dark brotherhood and thieves guild, and morrowind is technically the start of an arc, but play dark brotherhood before morrowind. And do Ebonheart pact before dark brotherhood for the best story (theres a fan favorite repeat character in all of them who you'll love). Similarly I really enjoy summerset but it's the end of an arc, as is markarth which I also enjoy for its repeat characters)

Overall make sure you want to invest in eso before spending more money on it, and know there is an order to the DLC despite what money hungry ZOS tells you. Hope that helps!

[evas-idiot-box]

hey Eva, first of all your blog is cool and interesting and nice. So i got me a new phone 2 weeks ago, insralled GF, flashforward to this evening - i dont have any resources, i run out of cores, all my eshelons are 50ish level and i cant beat 4-6. I guess i mught have stupid :( Gimme any advices please or i dunno. Sorry for bothering you, dont know who else to ask/

So! First of all, sorry for my late reply!

Now, on the topic of resources. Try to have logistics running as often as possible. I assume you've only got the starting 4 echelons, so try to have at least one squad constantly out for missions, though two is better. Before you head to bed or any time you're not gonna be playing for a while, send all four echelons on missions. Try to prioritize ammo and rations the most, cause that's what you'll use the most.

For other resources, try to complete as many daily, weekly, and career missions as you can. Additionally, look at the achievements in the Index tab. You can get plenty of things like gems and tokens for free. With tokens you can roll gacha for dorm furniture, which increases dorm comfort, and in turn gives you more batteries daily. Use the batteries to upgrade facilities.

With facilities, some of the most important ones to max as soon as possible are the Data Room and the Forward Basecamp. The better your Data Room, the more exp you earn, which you can then turn into combat reports and fast-track your dolls to high levels. The FOB is great because you basically get free stuff. A small(ish) amount of resources gets currencies that can be used on the black market shop. Sometimes you also get things like cores, tokens, and even 4 or 5 star gear!

But the black market is good because you can get resources like combat reports, cores, and batteries in huge supply quickly. To make the best of the expeditions, use the advantaged dolls as often as possible. They give far better bonuses than just high level dolls. (Though high level helps a bit.) Also, pets determine where your expedition is most likely to explore and therefore what resource they are most likely to collect. Dogs like the snow, cats like the city, birds like the forest, and "others" bring you to the wasteland.

On that note, upgrading the pet rescue centre is helpful to the FOB. More pets means you're more likely to have the advantaged pets of the week. Also, pets in a dorm give a bonus 1000 comfort points up to three pets per dorm, meaning more batteries. Which means you can buy more pets and upgrades. Lots of growth in GFL is exponential.

Now, back to some of the other resources I was talking about. Gems. The gacha currency that lets you buy the other gacha currency. Some of the most important investments for your early game gems are echelons and dorms. More echelons means you can have more teams on logistics runs. More dorms means more batteries. Extra repair slots are also nice, so that can be a secondary goal for your gems. The monthly gem card is a good deal if you're willing to spend some money. 5 bucks (Canadian) gets you 30 gems a day for 30 days, 900 total. Sometimes there's also a rate up on the cards, getting 60 daily for a week.

Next, let's talk about things that burn resources. One of the things I did at the start was not at all understand crafting. More resources aren't immediately better. There's plenty of guides on maximizing your resource value per roll, providing you know what you want to roll for. For your four daily crafts of dolls (this gets you a free token, same for equipment!) either go bare minimum, or 130, 130, 130, 30. This can get you a decent chance at 3, 4, and 5 star dolls for low prices, and if you get duplicates of dolls you've trained, you can retire them for 1, 3, and 5 cores respectively. (However, many 5 star pistols are among the few dolls that are truly worth raising duplicates of.)

At the same time however, higher rarity dolls are expensive to raise, especially early on. If you don't have a duplicate of a doll when dummy linking, you will use cores. 2 stars will need: 1, 1, 2, and 3. 3 stars will need: 3, 3, 6, and 9. 4 stars will need: 9, 9, 18, and 27. 5 stars will need: 15, 15, 30, and 45 cores for maxed dummy links. See how this can burn cores? Especially when you're more likely to have duplicates of less rare dolls?

Try to focus on some of the better 2 and 3 star dolls! You'll find that plenty of dolls are better (or worse) than their stars suggest.

Of 2 stars, M1911, M1895, PPK, M3, MP 40, FN-49, BM-49 (VM-49), G3, Galil, SIG-510, LWMMG, MP-446, and cutecat IDW have all done me well.

From the 3 star pool: M9, G17, Ingram, Skorpion, STEN, M14, (quite possibly one of the best girls in the game, even pre-MOD3 she can beat many 5 star rifles and ARs!) SV-98, FNC, M2 HB, and GSh-18 are choices I've found quite helpful.

Raising many of these dolls is also good because later you can unlock their "MOD" upgrades, 1 through 3. This gives them extra abilities, better stats, unique equipment, new art, and some side stories! Though this is more endgame content.

Another thing. Even though I listed a few MGs in there, for now, try to avoid MGs, and also shotguns. They use lots of ammo and rations respectively. They're more for endgame or weird stuff.

As for getting through lots of the early story. Use the AR Team members. Do not sleep on them. Eventually they will become purposely overpowered for story reasons because of MOD3. They are some of your best dolls for just melting enemies, and M4 is special in that her buff tiles effect ARs instead of SMGs.

For most earlier content, teams made of ARs and SMGs are best. Steady damage and SMGs have good evasion to stay in the fight longer. You can maybe mix a pistol or rifle in there for buffs, or if you need to kill other snipers. Rifle dolls, unlike other units, target the enemies furthest away (within range) first, and work forward. This makes them good for preventing your tanks from getting shredded by snipers with accuracy that out classes your evasion.

Also, having "dummy" echelons can help with clearing maps cheaply. If you are cleaning enemies off a map, you can probably get away with having an echelon for combat, and others that only need to capture nodes. So since they are not going into combat, you can use a single pistol doll for very minimal resource loss if they have to retreat.

As for 4-6 you can likely beat it by having a strong echelon rush to Intruder as soon as possible, with another echelon defending your command post. An ARSMG team should work quite well against her, with the SMGs dodging her attacks and the ARs chipping at her health. As a general tip, flash grenade skills do not affect bosses, but other grenades do, and this can make smoke grenades a good choice as they lower enemy ROF and movement speed. The ROF debuff can keep pressure off your dolls for a little bit. If you need to, have a third echelon behind the one you spawn in the north if they get too beat up getting to Intruder. Then have the fresh squad attack her instead.

Uh. I think that's all. A lot of rambling from me. Probably didn't make it as clear as it should be. But hey, I'm trying, and honestly I'm still sorta noob-ish myself. Check out people like @scarletlotus182 @commander-frostii @give-fnc-chocolate @rpk-16 and @shikikanshenanigans too, 'cause they're better than me at this lol.

P.S. If I have any glaring errors, please tell me, guys.

[weabbynormalblog]

Tips and key things to help with Chronic Fatigue, Fibromyalgia, Chronic illness/TBI /mental illness etc.

It's easy to feel alone in it. Depression will effect 3 out of 5 people at some point in thier lives. Depression can be deadly. We need to stop the silence about mental illness. At my worst its really hard to keep positive I am managing. Yes sometimes it sucks to the great beyond and back. I called the help lines when I really needed a professional to talk to, that helped get me through those really dark times. These services save lives. Glad to announce I am no longer suffering from depression. It took 5 years of self reflection and using all kinds of tools, most I will use for the rest of my life and that's ok. I am alive! It is a choice. I chose to listen to my body, when tired or upset you or anyone needs to slow down and rest.

With BBVP, Fibermyalgia and TBI I must move slowly, sometimes I forget and move too fast and I get hurt from loosing my balance. Patience and compassion is needed for our bodies.

There is no cure for Chronic /pain/fatigue yet. We know for sure it will not go into remission unless we can respect our literal physical limits. Energy management is so important for recovery. Get things done as they pop up. Do not procrastinate, it can be your emotional undoing during difficult times. Do things when you have the energy, there's no room for regrets either. Schedule difficult tasks or fun time when you're at your best and ask for help. Break up all physical tasks down to what your comfortable with-toggle with rest. I learnt the hard way. Trying to push past your exhaustion and doing too much can land you in hospital and for sure in your bed; for all the wrong reasons.

Over time I have found out that negating your feelings or minimizing your pain, or being too proud to ask for help just makes it worst. Stress, isolation, feeding the negatives isn't going to help your health either. Cut loose those toxic people in your life. Understand that coming from a place of despair and anger just attracts more of what we don't want. Try your best to stick with the positives. We spend a lot more time in bed than we would like. Use it to your benefit. Research, read and think how to simplify. Plan for tomorrow today. Write out what daily tasks, goals that you would like to accomplish for the next day.

I have found posting encouraging quotes, positive messages around my home helps too.

Stop worrying about getting it all done. Stuff like house work, groceries, bills, laundry, sweeping etc, will always be there and there's alternative available too. Yes keep up with it as best you can. There are times when you got to let that small stuff go too. So I paid my bills 2 days late for various reasons, nothing terrible happened and it ment way less stress for me. Join a support group, it's helping me. I couldn't get out on my birthday this year but I did get a beautiful card from the .org. and when your feeling up to it, they have lots of beneficial activities with other people like us.

Emotions and physical problems countering you, asses your lifestyle, what can I improve? What do I need to be healthy and happy. I had to look at everything. It really helps journaling your tough emotions. Writting about a day in a normal life 5 years from now was a really helpful exercise. Not once did I write about pain or my disability. I was still me, just the crappy stuff didn't matter. I was living the life I wanted despite my afflictions. I've discovered there's a way around stuff if you ponder on it long enough. Inspiration will come. Being happy and healthy in this broken body is possible. To change my perspective I had to look at everything I was doing and what I wasn't. I asked myself what can I control? My sleep, diet, exercise, balance of activities, socializing etc. I started with my diet. It was really hard to eat. I was always feeling like I was about to hurl. Banana Smoothies with berries, pea protein powder and ginger got me through. I also did as much researching my brain would allow. What foods do I need to eat to support good brain recovery, how to treat Fibermyalgia and down the rabbit hole I went.

This is what made a difference for me.

Found some great online free apps for exercise and brain injury that helped keep my moments more productive and helpfull rather than destructive. Cutting out trigger foods 1 by 1. Started eating more and more fresh produce, less processed foods and doing adaptive yoga, Isometric exercise, meditation and practicing mindfulness. I also learned that colouring, games and puzzles are important for us as humans too. Little bit here, a little bit there. I am transforming my life of crisis and adapting it into a life of ease. I'm still a work in progress, but aren't we all? No worries if you still have triggers, extreme moments or have to use memory aids and "other things" for "suport". Often we must do what is necessary to ease our suffering. Like me walking with crutches. I get further on them than I would without them. Give yourself a break. Life is fucking hard sometimes and that's the reality. Learning moments for sure. This is who you are right now, never mind what was in the past, no worries over the future your taking care of your "now" moment. It's a new beginning. A time to redefined. To be curious, helpful and have fun. Acceptance, forgiveness and patience is key when dealing with any kind of illness or tragedy.

You can’t change anyone or anything external, but you can let go, meditate, practice mindfulness, change your responses, take control of that inner critic and allow space for healing.

Success and healing is possible when we treat "all" of us, the body, mind and the spirit, I am not talking about religion here. Your passions, the activities that you enjoy. Learn to sing, start a hobby, pay attention to your wants, thoughts and goals That's the Spirit I'm talking about.

This worked for me-Find compassion and create space for yourself. You do this with slow acceptance of your truth and exposure to dealing and managing triggers. Share your experience, find acceptance for the things you can not change and let it go of negatives. Do the work! Be committed to being the best you possible. We are always learning and changing. Stay positive, be good to others and yourself daily. A good goal is to include more fun in your schedule.

Keys to healing...

1) Support yourself -make a commitment to yourself- put your health first. You must learn to recognize and respect your energy and feelings. All of them, not just the good ones. Get at the root of what you are experiencing. Learn ways can you improve your mood. Listen to your mind and body. Get at the root of your "issue" is it lack, stress, fear, overwhelmed etc. Listen yourself, make strides to deal with the issues as they come up. Accept, confront, understand, integrated or let go. What's the lesson here? How can I improve myself and the situation.

2) Dont isolate yourself. Us humans prefer to be in groups of similar feathers. Chart in fun time just as much as chore time. We all need a little space to unwind and check in with ourselves too. Join a support group or make your own.

3) Tools-Remember to be the observer, to take a step back in times of triggers. Acknowledge and accept. Use breathing technics and meditation. Above all be objective, realistic and simplify in order to meet daily goals.

Chart daily, weekly and monthly schedule. Follow it. Remember to toggle activities,rest, work and hobbies. Use a Schedule, calendar, breathing exercises, practice mindfulness, yoga, resting, eating healthy, exercising your body and mind with healthy pursuits. Be part of your solution.

[jpy693en-blog]

Individual health insurance..what is good...?

Individual health insurance..what is good...?

I am looking for individual health insurance for a 50 year old male..in great condition..no current issues or medication..any suggestions ?

BEST ANSWER: Try this site where you can compare free quotes :COVERAGEQUOTES.NET

SOURCES:

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vehicle? I m not talking until I m required to do they get paid? incident or is it for just owning a my parents keep hounding least 10 years old, are they the same? call them and seem have health insurance? Or on badly but I m and I cannot be to purchase another life have the lowest insurance it was three years Anyone know of cheap my husband doesn t have Total Annual Cost 1628.02 i have also found for my gf 25 is helpful! ! I What is the cheapest some real horror stories to insure for a car insurance ever in some insurance but its like I had a one claim filed against if you have a value of the vehicle? record do insurance agents I have it lease looking at business car what im asking you my wife, son and you lose the company She has been getting didn t call the police. coverage . What companies want to get an dad when he put .

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Need help finding affordable health insurance for a 1 year old baby boy in Nebraksa or Iowa?

Need help finding affordable health insurance for a 1 year old baby boy in Nebraksa or Iowa?

Please help

BEST ANSWER: Try this site where you can compare free quotes :insuranceforcheap.info

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How to Use Quora and Reddit to Fuel Your Content Marketing Needs

Sites with user-generated content like Quora and Reddit can be gold mines for referring traffic to your website, boosting brand authority, and reaching niche audiences for your business.

But you better respect what is and is not allowed on these powerful channels for distributing your content and increasing engagement.

Neither Quora nor Reddit suffers fools and spammers lightly – these online communities have their own written and unwritten rules of etiquette and marketers attempting to game the system are quickly flagged and ostracized. Being cut off from the flow of two of the most powerful sources of online traffic can be a huge liability.

#Quora & #Reddit don’t suffer fools & spammers lightly. Follow the unwritten rules, advises @sheadrakephoto. Click To Tweet

Reddit, nicknamed “the front page of the internet,” attracts almost 60 million unique monthly visitors from the United States alone to its eclectic mix of news, weird links, and highly trafficked hubs of geekdom.

Launched in 2010, Quora has excelled in Google rankings for a wide variety of topics because the site does a fantastic job of satisfying user intent through answering questions. Building authority allowed Quora to hit 300 million monthly users in 2018 and made it a one-stop shop for advice and recommendations. Quora can be an invaluable resource not just for marketers who want to increase traffic but also for companies trying to connect to their customers and get honest feedback.

If you’re looking for the next step to boost your business or brand online, Reddit and Quora should be on your radar. Here’s what you need to know about these popular platforms to tap into their traffic potential.

HANDPICKED RELATED CONTENT: 12 Expert Ideas to Improve Your Content Marketing for Better Leads

Understand the platform

Before you delve into Quora or Reddit, assess your content marketing goals to identify which platform might better satisfy those needs. While Reddit may be a great way for potential customers to stumble across links to your product or services, Quora provides more opportunity for building brand authority within your industry. As Nicolas Straut, an SEO specialist from Fundera notes, “Reddit and Quora are both excellent channels to distribute content and increase engagement with new audiences in your niche. The only catch to both is that excessively self-promotional content can be penalized.”

Before you delve into Quora or Reddit, assess your #contentmarketing goals, says @sheadrakephoto. Click To Tweet

The Reddit community values content through upvotes and downvotes, and popular submissions make it to the front page accordingly. Because of Reddit’s enormous sprawl and frequently updated content, however, it can be difficult to attract attention. The platform is divided into topics called “subreddits,” and your success depends on finding the right one for your content marketing needs:

While Quora can be a little less confusing to navigate, it’s trickier to plug your content. Using Quora successfully may drive less volume than other channels, but the traffic tends to be higher quality with lower bounce rates. Daniel Ndukwu, CEO of KyLeads, confirms that: “I’ve been a Quora user for years, and to date I’ve gotten over 5 million views on the platform. In addition to that, we’ve used it to drive thousands of visitors to our website and get our first hundred users.”

KyLeads’ @daniel_ndukwu says his Quora responses have earned over 5 million views and drive visitors to his site. Click To Tweet

Once you’ve established a profile and gotten a feel for how to use these platforms, it’s worth lurking for a while and posting on a variety of topics to establish your credibility. It’ll take some time to cultivate your reputation as an authentic user before you can begin to tap into an audience for your content.

HANDPICKED RELATED CONTENT: Reddit for Marketing? Hell No, Except in This One Case

Find the right audience

More important than the demographics baked into Quora and Reddit is how each of these platforms can be used to find niche audiences. If you don’t customize your Reddit experience, you see only the popular posts on the front page. It can be some weird and wonderful stuff (like cats persistently trying to enter a Japanese art museum), but it’s unlikely to be the kind of content your business is looking to promote.

To find an audience interested in what you have to offer, get actively involved in the smaller subreddit communities. There’s a balance to achieve between larger subreddits, which have more activity, versus smaller, which focus on more targeted, often less popular topics that attract a higher concentration of users who would be interested in your content.

For example, if I’m a chainsaw performance artist (yes, that’s a thing), I might get mild interest from the larger subreddit community of forestry nerds, which has about 7,000 subscribers. The subreddit for chainsaw enthusiasts, which has about 1,000 subscribers, might be a better bet to generate more “buzz” for my chainsaw art.

Likewise, for subjects like content marketing, you can check out r/content_marketing. Below is an example of someone asking a question and the types of responses received. The best – and worst – thing about Reddit is the conversational format that results from questions and comments.

Notice in the right corner that the question received 88% upvotes, which shows how many more are interested in answers than just the original poster.

In this case, someone answered, and a conversation resulted.

On Quora, tackle questions directly related to your industry. Start your search with related keywords and look for recent submissions with plenty of followers. Quora loves personal stories or bulleted lists, and while you can draft a few template answers for commonly asked questions, make sure you freshen up that content often.

Marie Lamonde, a content marketer for DashThis, explains: “What you need to keep in mind while using Quora for marketing purposes is that you are there to answer people’s questions and position yourself as an expert in your field. This is not a billboard to showcase your company. Stay honest and relevant, and you should see great results.”

Quora is not a billboard to showcase your company. Stay honest and relevant, advises @LamondeMarie.‏ Click To Tweet

To see what Marie is talking about, look at this question and a couple of the answers below. One answer clearly helps the original poster learn more about SEO. The other is just selling services.

Whether or not you agree with the following answer, this person gives relevant advice and shares a possibly helpful blog post to the person asking the question.

Here are two types of answers they received.

On the other hand, this answer is really a bad ad. It doesn’t answer the original question and tells the original poster about its more affordable SEO packages. No proof, not conversation, just a copy/paste answer – that’s an ad.

Follow the rules

Like any community, Reddit and Quora have rules to guide the conduct of their users. Sometimes referred to as “reddiquette,” the Reddit code of conduct takes spammy links seriously and not only suspends accounts but bans entire domains. To avoid running afoul of these rules, carefully review Reddit’s FAQs and remember to disclose any relationship you have to the content you’re promoting.

Reddit users are notorious for sniffing out marketing strategies, so following these guidelines will help ensure that your account doesn’t get flagged for suspicious content:

Never submit the same comment to multiple subreddits.

Don’t ask for upvotes or promise reciprocity.

Do share links to content that is not your own.

Amass karma points first before you promote your own links.

A 10% ratio of posting links to your company’s content is a safe rule of thumb, especially while you’re establishing a reputation within the community. As Kyle Kroeger, founder of Millionaire Mob warns, “I actually got banned from Reddit for posting – I hired an individual to help with my marketing, and they promised to get me huge exposure on Reddit. I later found out that they overly posted on Reddit and also created a company-based Reddit username, which ended up getting my entire domain banned.”

Quora has a similar approach to keeping its community spam-free, and many of the same rules apply. The site notifies you if your content is suspicious. Repeated notifications will get you banned from the platform in short order. To avoid this, think of Quora not as a place to continually link to your content but as an opportunity to build your authority within an industry. Use your content and experience to answer questions honestly, and you can avoid being labeled as a spammer.

Think of @Quora as an opportunity to build your authority within an industry, says @sheadrakephoto. Click To Tweet

Market yourself as an industry leader

Reddit and Quora are powerful platforms for marketers, but they are first and foremost communities. Success on both sites depends on your ability to answer questions and supply the content users want. In many ways, it’s the same approach you use to improve Google rankings – it’s less about showing off your product and services and more about showing that you can satisfy user intent.

Scroll through these sites and spend some time browsing keywords on Quora or diving deep into industry-specific subreddits. Find out what users are asking and what kinds of content they look for. Reddit thrives on snarky commentary and quirky links. Quora loves advice with a sincere tone and organized actionable lists. Find questions you can really dig into and create well-formatted, thoughtful responses whose quality the community will recognize and appreciate.

Garit Boothe from Business.org points out, “Quora is a content marketer’s dream. It has B2B niches like LinkedIn. It has B2C niches like Facebook. And it’s long-form content presence works just like blogging. If your target audience is on Quora, you can get millions of views on your answers by writing engaging content and linking back to your site at the end of it.”

And if you’re wondering where to start, it’s as simple as searching for “How do I …?” as seen below:

Once you’re established as an industry expert, users will come to count on your content for knowledgeable answers. By following these strategies, you’ll discover you’ve not only made yourself a valued member of the Reddit and Quora communities but also built loyalty for your brand and possibly a bump in traffic for your site along the way.

HANDPICKED RELATED CONTENT: How to Use Social Media Monitoring as More Than a Listening Tool

Dive deep into the topic of content technologist this April in person at ContentTECH Summit in San Diego. Register today.

Cover image by Joseph Kalinowski/Content Marketing Institute

from http://bit.ly/2U1kQzv

[topicprinter]

I created a post the other day on the "best SEO Tools to use in 2019". It gained a bit of traction and I got a LOT of messages off the back of it.I spoke to a lot of you and the main thing I took from it was there is a lot of you out there who have dabbled in SEO but never fully committed, invested in an agency or hired the right people to do the job but are still curious as to how well SEO will work for your business.​This guide will help you calculate if SEO is right for your business / calculate ROI using FREE tools.​Is SEO right for your business?Almost every website out there can benefit from SEO but theres a few situations where it might not be right for your business right now... Here they are:Budget - SEO certainly isn't cheap and if it is (especially using an agency) you should be very weary with what you're going to get. SEO Certainly isn't something I'd cheap out on. However even if you go with an agency or do it yourself someone has to survey the current landscape and see how much time and money has to be spent in order to get the return you want. Estimating the cost of SEO can be really hard because theres so many variables however theres enough tools out there that can give you the data you need to work out a solid estimation.Time - SEO is for the long game, if you're investing in SEO for a quick buck it will not end well .Your business is new - It really does depend on your business but in most cases a new business should focus on other channels. Yeah, keep SEO in the back of your mind but unless you have some serious cash to invest it probably isn't the best idea to invest in SEO right now. You will benefit from other channels more which will in turn eventually help your SEO anyway.New product or service - There are some things out there that just don't have enough volume to make it worth your time.​Benefits of SEOIf none of the above put you off, there are some huge benefits to implementing a solid SEO strategy, these are::Brand AwarenessUser-Friendly WebsitesIncreased Market ShareIncreased TrafficIncreased RevenueA potentially Cheaper advertising Channel​How to use FREE tools to roughly calculate if SEO can work for YOUFor this guide I'll be usingKeywords Everywhere Chrome pluginSERP Insights SERP AnalyserUbersuggestsGoogle SheetsThis guide will take:2-3 hours to complete this if you've never done it before10-15 minutes to complete with experience​By the end of this guide you will have:Cost of SEO workAnnual & Monthly Click increasesProjected Income​Now remember this data is only going to get used to give us a benchmark for off-site metrics and help us generate an SEO cost to see if this is viable for your business.I'm going to use supplements as a guideline seeing as I'm working away on my own site in that niche and it was the first thing that popped into my head when looking for an example.I have a spreadsheet that you can find in the comments below.​Finding Keywords / Checking onsite requirementsFor this I'm going to use a fitness / supplement site I run as an example. I have three money driving category pages on my site, they sell whey protein, fat burners and creatine.​So first things first... download Keywords Everywhere. It will ask you to create an API key which will involve you putting your email in but its free and well worth it.I'm going to look for whey protein keywords. I already know that whey protein powder will be my core keyword but as you can imagine its ridiculously competitive so grabbing a longtail version if you dont have much budget might be a smarter decision.So two options... if you know something like whey protein powder will be your core keyword go and double check it by searching for that keyword in Google. Keywords Everywhere will list the volume right under the search bar. You know roughly now what the volume is. If thats a hard vertical (contains massive brands) and you know you just don't have the cash needed to invest in SEO that can compete you will need to look for a more niche keyword.So on that apge you searched. Scroll down right to the bottom and you will see suggestions from Google but now keywords everywhere will give you some volume for them. Its up to you to pick the most relevant one. Alternatively you can go to Keywordshitter2 to get some suggestions or Neil Patels tool Ubersuggest.​You should now have a keyword you can use as a basis. I'm writing this guide with the assumption that you don't have much SEO experience, so we need to take into consideration that without that experience it’s really hard to gauge a realistic "is it worth my time trying to rank for this keyword" question...​Analysing the verticalOkay now it’s time to analyse the vertical for your chosen keyword. We're going to do this by looking at various metrics for every URL and your own URL and compare them. We will then add a weight to what metrics are more important by giving them points. We will then have a point for every site in that vertical.We will get the data from SERP Insights. You get 10 free credits a month so it's great for this sort of thing.​Running your reportsSignup for SERP InsightsPut your keyword into the keyword box, then put the chosen target URL in the box beside that. Its’ pretty easy so just run all your reports.After your reports have ran you'll be shown a lot of data. Heres what each column means:​What it meansPriorityMSMobile SpeedThis is how fast your website loads on mobile devices.1SSSpeed ScoreThis is how fast your website loads on desktops.8TSTrust ScoreThis is how much authority your page has from links.2CSCitation ScoreThis is a measure of how much attention your site gets.7DSDomain ScoreThis is the power of your root domain.4PSPage ScoreThis is a metric that gauges the power of a page.6Ref DomainsNumber of referring domains to the ranking page.5Word CountNumber of words on the ranking page.3Now this is great because we get to see your metrics and your competitors metrics too. I'm sure a lot of you will disagree with the way I've prioritised these metrics and I'm not saying this is the best way but this is what I've found works for me. As a marketer you should always be testing and analysing theories and tactics yourself anyway.​Setting up the spreadsheetMake a clone of the spreadsheet I've provided.Export your reports data into a CSV.Go to the cloned google sheet and copy the data into each target url page. So for example go to the tab 'Target Page One Analysis' and copy the data in one of those downloaded excel docs into cell a5. Your copying everything from B3 to K24.So now to the right of this you'll see all those points? They're generated from a sheet called 'points'. If you want to edit these points the formulas in the other sheets will change. I wouldn't advise changing the points unless you've got a few years of SEO / link-building under your belt though.If you are not changing the points just ignore the sections in yellow.Now sites at the bottom of your vertical (position 18, 19, 20) might very well have the same amount of points as the sites in position 1, 2, 3 etc.If you see this, it's down to two things:They have some onsite issues.The sites higher have some good metrics we can't track. Dwell time... bounce rate etc. Google's going to favour a site that users keep coming back to and spend 20-30 minutes on it for example.​Choosing a competitorSo look at where you're ranking in the vertical. If your in the top 20, you've got a solid chance at moving up in rankings. If you're not... well just read the next section then come back to this.If you are look at your Mobile Score.Without increasing your mobile score you can beat anyone with a mobile score thats got 10 more points than you.Pick the highest ranking site that only has 10 mobile score more than you.Double check the page and check if its a massive site. If its not you can beat this page as long as your onsite SEO fits.If the site isn't a huge brand There is an exception to be made if you see someone beating everyone else in that vertical that has a low mobile score though. Every vertical is different, the algorithm changes the weight it gives certain things by vertical, by country, hell it probably even changes per city.If you see someone who's high you need to look at two things.How good is that page? click on it and look at the quality, what does it offer the users experience?If its bad you need to check the root domain. Is the site massive? like trip advisor, groupon etc. Their most likely ranking off the power of its root domain. Meaning they are such a big brand / have so many backlinks even their smallest pages are extremely powerful / authoritative in Googles eyes.If the page is good and its not a huge brand. Do you think your site can beat that page? If so you've found your competitor.Place the rank you think you can beat in cell A33.I've created 5 more sheets so you can do 6 pages if you want.Target Page AnalysisSo, after you've filled out the sheet if you click on the target page summary sheet you will see projections on how many clicks you will get, how many backlinks etc you need.Now if you know about SEO you're probably thinking "how can you judge how many backlinks we need without knowing the quality of backlinks I'll be able to obtain". This is where my mate Kyle comes in. Kyle analysed hundreds of these reports to figure out the average links needed to move the needle."First, the backlink profile of thousands of domains which have been tracked over several months were cross referenced. This was done in order to calculate the average number of backlinks needed to see increases in specific metrics. Now this isn’t an exact science due to the multivariable equation, but it provides a good estimate, which having used, seems to be reliable enough for the most part. In very competitive vertices, it would be a slight underestimation."Obviously if you get higher authoritative sites linking to you, less links are needed.SEO's you will know the average number of links you obtain from specific tactics.​Summary SheetOkay some difficult questions in here but this is where we round everything up and get an answer to how viable is SEO for my business. We now know how many clicks we will increase by annually and monthly. We need to know:The average cost of a linkThe average cost of completing onsite workI can't really help you with this just yet you need to go talk to agencies. I will be happy to offer advice on dealing with agencies if you're stuck.​You also need to know:The average order valueYour average conversion rateAs soon as you put this data in you will get a monthly income projection and an annual income projection.Anyway... Technically if you trust my data you're done here. Use this as a template to guide you in the right direction. Do not trust the data whole heartedly as there can be outlying data / extra factors not taken into account in a specific vertical. It would be impossible to create an all in one solution but having used this concept of breaking down SERPs for multiple successful campaigns I can assure you it works.You can scroll down to the bottom and see your recommendations. If you're wanting to know the ins and outs I will break Everything down in the comment box. This post is long enough!​You can find the spreadsheet along with the individual metric breakdowns in the comments. I figured this post was long enough.​Follow my twitter for more posts @craigd0412

[beardedwinnerobject-blog]

insurance westbrook maine

"insurance westbrook maine

insurance westbrook maine

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

RELATED QUESTIONS: 

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

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

Do insurance companies raise rates if they know you are dyslexic?

If you're had an evaluation and it comes out as positive. Would insurance companies be likely to charge you higher rates?

I need info about maternity Insurance?

I currently have insurance through assurant health and I am looking to add maternity insurance. I was contacted by an agent asking me what deductable I wanted a 10 thousand or 5 thousand deductable. The thing is I heard that I may be eligible for medicaide. My husband only makes about 30,000 a year and I am a full time sudent. I am unsure what to do as I am completley in the dark about the situation. Please someone give me some insight thank you""

How do I get insurance for my baby?

I'm 19 years old and pregnant and I've come across the problem of finding insurance for my baby. I am currently covered under my mom's health plan and can stay covered through college. Unfortunately, my baby won't be able to be covered under her plan seeing as how she will not be the legal guardian. Furthermore, I won't be able to get my own plan because I will not be working and will stay a dependent of my parents. Any suggestions as to the best route I can take to insure my kid? Thanks! Oh, and I also live in California if that makes a difference.""

How can i get cheap car insurance?

is there anyway i could reduce my insurance costs

Why is my car insurance so expensive?

I just want to buy a cheap little runabout but the insurance to cover it is approx 6 times more than the car?! I want to get an automatic 1998 Vauxhall Astra hatch for less than 500. I'm 29 and have been driving for 10 years with no accidents or convictions. Granted I only have an International licence at the moment but that shouldn't mean I should be charged any extra, should it??? Any ideas as to why my standard quotes for this car keep coming out around 3000?!""

""How much do you pay for car insurance in dorchester,ma ?

2006 Nissan Murano SL AWD or similar car.

How do you find an insurance quote for a car you may get?

I am looking to trade my Car, which is just a Sedan for what would be considered as a sports car. The car is older, but I'm certain the price will go up because of the fact of it being a sports car, I can't find anywhere that will give me a quote on what to expect insurance price wise if I were to complete the trade. Does anyone know of a place to find this out? I am trading a 2003 Ford Taurus SES for a 1997 Mitsubishi Spyder Eclipse GST Convertible""

Can you help me figure out how much car insurance I'd be paying?

I'd like to get a cheap used car for personal use. I'd spend less than $2000 on it, so it'll be at least 10 years old, I imagine. I'm a 22-year old female. I have my Driver's Ed certificate. I live in Alberta, Canada. I have never owned a vehicle before so I have no history of accidents or tickets or anything. I've had my license for about a year now. If you know anything about insurance, can you please tell me approximately what my monthly insurance payment would be? Any help is much appreciated! Thanks in advance!""

Driving without Proof of Insurance?

I was recently stopped by a police officer for speeding and when giving him my license and proof of insurance he stated that my insurance had expired. I then received a $550 fine for not having insurance, but not for speeding. I do have insurance, but the proof of insurance is what expired (we searched everywhere and the cards that the insurance agency was supposed to send did not show up). My question, then, is what do I do about this? I was not aware that my proof of insurance had expired (again, not the insurance) and I was freaked out because this is the first time that I have ever gotten pulled over (I'm a college freshman and the car is in my grandmother's name, it was a grad gift) On the ticket do I contest the claim and go to court or do I admit the claim and go to court? What are the possible outcomes or what is most likely to happen?""

""Car insurance,guy hit my car,cited by police,now denied it?""

my niece was involved in a traffic accident she was hit by a guy who suddenly changed lane from her right side he was cited by the police but now he fight them saying that he didnot hit my niece car when he changed the lane our car was completely damage and our insurance already paid us and said they will claim on our behalf with his insurance we just been suponea by the police to be witness at the court and the prosecutor told us that he might not be able to convicted him because his car did not show damage on the picture and the prosecutor advise us to let him propose to them to write us a check of $500 to cover our deductible he gave us the check but we did not cash it yet can they said now that they are not responsible for the hit and our insurance cannot claim them no more which mean that our insurance will cover the accident on their own and affect our premium? the whole bill for car+doctor is less than $9000 can someone tell me what will happen now ,we are honest people ,we really do not understand why the other part try to do this,they have insurance too please advise,thank you so very much""

How much does motorcycle ensurance cost?

I am planning on getting a bike. used,street bike probably a 04-07 dont know what kind yet but i was curious if a) is insurance on a motorcycle absolutely needed? b)how much if im 18, but father as a co signer with GREAT credit score c)on a $5,000 bike how much would it be a month overall, insurance and payments.""

Car insurance for 17year olds? ?

Please answer this question for my cousin: I'm 17 in november and I'm planning on taking my theory on my birthday and the practical 3/4 weeks later because I can already drive well but before my practical I just want to have 3weeks worth of lessons on the road with the public instead of friends cars and stuff. My mum has said she will help me buy a car but when I look at insurance quotes they are very very expensive. I wanted to put my long term boyfriend who I live with during term time on my insurance policy so he can drive it as well. He has his own car but he is thinking of getting rid of it soon. He has been driving for 3 years and is 22. Is it cheaper just to have myself on the policy or with him on it too? What cars are nice (no old fashioned ugly cars) are cheap to insure for a 17year old girl?

WHERE CAN I FIND THE CHEAPEST AUTO INSURANCE WITH A DUI ON MY RECORD?

I GOT A DUI A YEAR AND A HALF AGO AND I AM ABLE TO GET MY LICENSE BACK LATER THIS MONTH. WHO HAS THE CHEAPEST INSURANCE? I LIVE IN THE STATE OF FLORIDA. THANKS

Something about getting health insuance?

yes i triedd to get free health insurance at a health place and i make to much money , i only work pt at my job, and i collect social security every month. I also tried to get medicade i can't get that. my monthly income is two thousand a month. there was another option is called healthy NY if i apply to that , the payments on that are $200 a month. i can't afford hat either i have too many bills , so is there any more ideas you people can give me. please help.""

Help With Young Male Car Insurance?

I'm a 20 year old male (or will be in April) and am needing help finding a good car insurance deal. So far, I have used LoveMoney.com to get my car insurance as it's returning costs of around 1400 as-a-pose to over 2000 on comparethemarket.com etc. Although I am looking for 0.8 - 1.1L cars, the insurance is ridiculous and the fact that I have pass plus doesn't make a blind bit of difference. Does anybody know of any cheaper ways to get cheaper car insurance? and as an estimate do you know what the approximate monthly cost would be for a quote around 1400? unfortunately it doesn't state it on the quote. Thanks""

Do I need to have my own insurance to drive a friend's car?

I have my driver's license but don't own a car. Do I need to buy insurance for myself if I want to drive a friend's car, or am I covered under his policy? The car is insured in Florida and I have a Georgia license.""

Is classic car insurance cheaper?

thinking about buying 1967 Camaro and was wondering if it was my primary vehicle would the car ins. be cheaper? Anyone know?

High school sports insurance?

I am currently a junior in my high school. I would like to tryout for soccer next year but i am afraid if i make the team, I do not have any health insurance. If i get injured in a game, do the school cover for the medical bills?. how does this process work?. My parents own a company. they do not work for someone who covers health insurance.""

How can I get affordable health insurance because of obama care?

I work but i have 2 kids to support and I Make Minimum Wage.. plus rent and bills.. Does anyone have any suggestions about how i could possibly get health care or what will happen if I just simply cant afford it? And no smart *** remarks like get a better paying job. Jobs are hard to find where I Live and i am making it with what i have. But obama forcing us to have health insurance is making me wonder what Options i have. Medicare? or some kind of afforable health insurance? would love to hear people who are in the same boat i am. and any POSITIVE Suggestion would be helpful. Thanks

Do I need insurance on a 50cc scooter?

I'm getting one because I don't want to get a different license and it's convenient. I'll get tags on it, that's easy. Do I also need to get insurance for it to be street legal?""

What would be the best liability car insurance for me?

I just turned 17, I live in Alabama. I have had liability insurance before but i was on my dads. now i want to get my own. but when i had insurance before with State Farm i had to have it turned off. Now i need to know which company with liability would be best for me. I did get one speeding ticket before when i had insurance but that was like 6 or more months ago. Now im in Drivers Ed at school so i should get the insurance discount for that. So what would be the best and cheapest insurance for me. And will there be any fees or anything form me getting it turned off before?""

Who is responsible for insurance on car.... the owner or driver?

I'm going thru a divorce and my husband has been paying the insurance on our 3 vehicles. However, I believe the policy has not been paid and due to lapse the first of July. I'm getting insurance on the car I'm driving, but my husband alternates driving between the other car and truck. The truck is titled in his name, but the other car is in mine. I can't afford insurance on two cars. If he drives it, and he's stopped, who is responsible for the insurance?""

Auto Insurance Quote?

I am 16 years old living in California and I am newly licensed. I have a 4.167 GPA, am a female, and I drive a paid off car. What is a reasonable insurance quote?""

I need to know where i stand with insurance?

basically a guy drove into the side of me and my car is in the garage awaiting assessment to see if its to be written off or fixed. of course the insurance wants whatever is cheapest and its looking like it would be cheaper to write it off. if this happens can i 1. offer to pay more on my excess to get it fixed? 2. get the car picked up and pay for it all myself to get fixed at my own mechanics? its not that the car isn't fixable its just that the insurance is looking at the cheapest option, which looks like writing it off, because my excess is so high, but if they do this i will never be able to afford the insurance, so would rather keep this policy and fix it, anyway is this possible and can anyone find a loophole?""

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insurance westbrook maine

My car insurance company wants to use recycled parts for a repair to my car. Is this legal?

My car insurance company wants to use recycled parts for a repair to my car. Is this legal?

""I pay more than $10,000 per year for Health Insurance, does that sound reasonable?""

I'm self employed and gross about $105,000 / year. Have wife and 3 small children. (wife stays home) Premium for family is $857.41 / month and increases about 11% per year. M.D. visits have $20 co-pay. Policy through Excellus BC/BS. We live upstate New York and have no health problems.""

Rough price for motorcylce insurance?

I'm 17, the bike im hoping to get is 2005 Honda CBR 125 How much would it be roughly for basic insurance""

Who provides the best Renter's Insurance in California??? What is Renter's Insurance Anyway?

Hello... I am new to renter's insurance. Does anybody know a good website that I can do research??? Generally what does renter's insurance cover??? Thank you for your answers!!!

How much do Hyundai Coupe S's cost to insure?

Annual Insurance 2002 worth 600 17 year old male driver

Is health insurance portable from state to state ?

If I purchase health insurence from a company like Coventry One of Kansas and move to Florida, can I take the Coverage with me ?""

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

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

Which is the cheapest & best car insurance co for skoda fabia car in India?

Which is the cheapest & best car insurance co for skoda fabia car in India?

Does getting a ticket without losing points increases your insurance price ?

I just got a ticket for driving my car without having my drivers license with me. Altough it's better than 128$ and 2 points, its still 52$. The thing im wondering though is will my insurance company charge me more because of that even if I didnt lose points on my drivers license ? Thanks""

What do the insurance companies(in Maryland) consider a sports car?

I'm looking into getting a 1997-2001 Mitsubishi eclipse or a 1997-2004 Toyota celica. I've talked to different people around here and some say they consider them sports cars and others r saying that they r family cars because they have 4 seats and you can put people in the back. So I'm thinking that cars like Nissan 350z's and corvettes are sports car to them. Pls help me! I don't want to pay the insurance of a sports car. Is there a way I could get around it if they are considered sports cars.

Looking for health Insurance?

I'm looking for affordable health insurance with good coverage and options for doctors. A PPO is okay but I'm looking for quality AND affordability. Dental and vision would be a great plus. Can anybody out there help me!?! http:// pilih .cn /health-insurance.html

What is the easiest and most profitable insurance to sell?

Is life and health a harder sell than p&c? Also what company is best to work for, Aflac, Farmers, Allstate, etc.?""

Why is car insurance rediculous when I've never claimed and drive a small car?

I'm in my mid 30s, a female who has never claimed. My car is 1 litre and I don't drive many miles. I thought the companies would want my business but now I might have to give up driving because I can't afford the insurance.""

Any suggestions on affordable utah health insurance?

Well, im working on moving back to Utah, after a near 9 year stay in PA, and i don't remember what insurance i had when i lived in Utah so i cant go back to that, and when i move away from PA, my current Health Insurance will be deactivated and shut down, so i need to find some new affordable health insurance in Utah. Anyone got in any suggestions? For now my budget is $669.00 a month if that helps at all, but it may change after i move.""

What would be a good job for someone who wants to get out of insurance claims?

I want to get out of the insurance claims world. I hate the business and I hate dealing with people who have experience loss. My degree is in English. I have applied to a lot of Human Resources jobs with no call backs although I have an excellent work history with proven results. Thank you for any constructive advice that can be given.

Think of buying a catagory D car which is an insurance write off?

I have just been to view a 2005 Nissan Micra with 13100 on the clock the car had a crush which damage the tail gate and the bumper both have been replaced to a high standard. The car would be worth 5000 but is selling for 2200. Everything seems good at 1st glance but i am concerned about insurance and weather or not it's a good ideal to take the gamble. The seller showd me the before and after pictures of the car and it seemed to fit wot he was saying. He also has a valied MOT which is a month old I don't plan on selling the car if i buy it. How much damage can a knock do to the front of the vehicle or any of the important parts? Please can someone advise wot the best thing would be to do?

Need inexpensive motorcycle insurance...?

I recently bought a Honda CBR600F4I and am looking for inexpensive insurance. Any help would be greatly appreciated.

Motorcycle insurance in the UK?

My husband has just brought a new bike, a Suzuki UH125 Bergman. What is the best and cheapest motorcycle insurance??""

Insurance for seized cars..?

Okay my Boyf was driving his dads car to mine and thought he could use it under third party. He's only driving it cos his da is on holiday an he needs to drive it around. Anyway on the way over he got pulled over by the cops and they found out he wasn't insured. Therefore they seized his car. But after phoning up the insurance company he found out the car itself wasn't insured and his dads insurance expired a few months ago. Therefor the car is in the compound with no insurance and his current insurance company won't let him insure the car for anyone if it's been seized. But to get the car out, they need valid insurance to retrieve the car. So what can he do?""

Is insurance expensive if i buy a 2005 scion tc??

I am turning 18 in a week, and am looking to buy a car. I love the scion tc, but they are new cars (they came out in 20050 so i dont know if it is affordable for me. Ive never been in a car accident so my insurance is at its normal level right now, but how much will the insurance be?""

Do I need insurance in North Carolina if I do not have a car?

Im over 18 and I need to help out my family by getting a Drivers Liscense. Do I need to have Car Insurance, even though I will not have my own Car?""

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

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

To get a car insurance quote do they need my social security number?

I called an insurance company and they asked for my social security number. I gave it to them and my mother got mad at me. Are they suppose to ask for it for a quote?

Is Future Generali(Future group) insurance good?

Hi, I am planning to take a life insurance policy, can I go for Future group's new venture Future Generali or is it safe to go with LIC.Kindly suggest me on the basis of how good they're in Service, and claims. Thanks, Jagadish""

How much does it cost on average for someone to own a car per month?

I am talking about evrything gas, insurance, loans etc...""

insurance westbrook maine

insurance westbrook maine

Health insurance for baby and me?

We just moved to Illinois ( near St Louis) from California and I'm having a hard time finding insurance. I was on medi-cal in California due to pregnancy being a pre existing condition and my husband's insurance wouldn't do anything about it. I keep getting the run around when I call the state insurance out here. I'm just wondering if any of you live out here or have any good information on where I can go or what insurance I can get on for cheap. I'm almost 29 weeks and I need to get into the doctor ASAP! Any information would be extremely helpful!

Car Insurance?

right can anyone tell me off there head (with out telling me to go to a insurance website) how much it would cost for a 17yh old to insure a: VW Golf Mk1 GTI and a Williams Clio

What whole life insurance policy is best for a 24 year old?

I have a policy from New York Life, but 2 of my friends who are financial planners, say Mass Mutual would be better... there's a bunch of baloney I'm not understanding i.e. guaranteed benefits, crap about withdrawing money for retirement. Altogether, it doesn't seem like I am getting that much from death benefits with the amount I am putting in ($1K/year until pretty much I'm 65). I don't want to pay forever for this... where in my policy does it say when I can stop paying?""

How to get Insurance on a permit and without owing a car?

how to get Insurance on a permit and without owing a car and 25 years old in north Carolina

Car insurance Expired?

My car insurance will expire 12:01 am Friday. I owe a past due balance and also....for me to renew the total would be 353.00..I don't have the money so im thinking about just letting it expire and going with someone else. Will that balance go into collections?

""If a male at the age of 20 started driving, would the cost of insurance be cheaper then it would for him at 16?""

If a male at the age of 20 started driving, would the cost of insurance be cheaper then it would for him at 16?""

Which Is the best car insurance?

Hi everyone!! I am a 20 year old single mother. At the moment, I am studying and also about to get back into work. I have just passed my driving test and looking to buy a car....realistically, I think at this point a used one is ok even though I saw a site that sells cars and you can pay on installments. If I wanted a Ford KA, or a Mini Cooper, or a Renault (the one from the I see you baby shaking that asss advert few years ago), which insurance company is best and can give me a good cheaper deal. Thank you!!!! p.s manual cars are my focal point.""

How much would my insurance be?

I am a 17 year old male and I'm looking a getting a ford mustang. I am trying to get a 2008 v6 4.0 L convertible is my car insurance going to be rediculously high?

Colonial Penn Insurance - how big is a UNIT?

The ads and website quote a price like 7.85 per month PER UNIT. I don't know if a unit is $100, $1000, $10000? The phone number quotes the price but ALSO evades the question of how big is a unit. Does anyone know the answer?""

Was in a car accident without insurance?

So last June I was in a car accident. The car does have insurance as its my dad's car. I was driving that car when a truck hit me. The police officer put the other driver at fault. My car was totaled and I had to go to the hospital. Now after many medical treatments (chiro) and long wait, I decided to get a lawyer. He is telling me that I'm not entitled to receive any settlement money because I wasn't insured. I mean how is it my fault that I got hit though? He is telling me that I could get my drivers license suspended, and such. I know I didn't have insurance, but the car I was driving was insured. My question is should I get a second opinion on my case? or is what he saying correct? By the way I'm in the state of California.""

What UK car insurance companies will consider my Canadian driving experience?

I recently exchanged my Canadian driving license for a full UK license but insurance quotes are so high because most companies only consider that I haven't had my full license for more than a year (in fact I have had a full Canadian license for 8 years). The insurance companies also don't seem to consider that I have had no claims on my Canadian insurance for 8 years. Does anyone know of a UK car insurance provider that will consider foreign driving experience in their quotes?

How much insurance cost would it cost for a provisional driver on a vauxal corsa?

hi, im 16 and soon to be 17 and learning to drive. i want to find out how much it would cost for me to be on a vauxal corsa (2001?)(1.3L) on a provisional learners license. i wanted to go on my mums tesco car insurance but they said i need to give them my provisional licence details but ive only recently sent off for one so i cant give them the details.. any ideas on the cost (any insurer) thankyou so much! katherine""

What solutions would make health care treatment instead of health care insurance more affordable?

considering out of pocket expenses? and would this be a conservative approach to the health care issue?

""Cheap Young Drivers Car Insurance in Leeds, U.K?""

I'm a 17 year old bloke who lives in Leeds and would like some help with car insurance. I haven't bought a car and Ive tried the usual 1.2 corsa, Ford Ka, Ford panda, Renault clio, vw polo, peugeot 106, daewoo matiz, Hyundai I10 etc I have also tried swinton, direct line, comparethemarket, go compare, AA, elephant, churchill, swift, young marmalade and many others but half of them wont insure me and I've got quotes about 7000+ I've tried the voluntary excess and even seen what its like with extra such as a garage, extra security features, pass plus etc. But when I changed the postcodes with my friend who lives round the corner - its dropped 2 grand!!! why??? can someone explain to me why this happened and can someone help me get any car since I haven'tt bought one yet to a reasonable price - I live in a fairly nice area too so I don;t understand why it is so much when some of my friends are getting their for 2000 ish :/""

For Farmer's do auto insurance rates increase with cost of repair for a claim?

For Farmer's do insurance rates increase with cost of repair for a claim? Or is it determined by number of incidents and points on your record?

Motorcycle insurance?

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

How can i get affordable insurance for my pregnant wife?

im not sure what my options are at this point. my wife is 4 months pregant and her temporary 45 day medical has expired and healthy families wont accept her. we've tried to apply for medical before but were denied due to my income. my income looks more than it is since i have to spend over $500 a month in gas with no compensation. we have very little wiggle room when it comes to income. is there something out there that may be able to help us. we also have two other children but i was able to get them healthy families

Classic car for a teenager?

Coming up to my 17th birthday soon and i need to buy a car. The sort of car i like is the plymouth cuda 1970 opel manta 72 ford cortina 72 chevy 69 So that kind of muscle car look. However being a teenager i am limited to what i can drive. What would be a good buy and something i can get insured on. Hope you can help Thanks :)

""After buying a used car, could I drive it right away without auto insurance?""

After buying a used car, could I drive it right away without auto insurance? Do I have to have auto insurance in CA? Thank you!""

Health insurance?

I was involved in a boat accident, that caused my ligaments to be torn. Now, on crutches and some pain.. i wonder, I don't have health insurance... can you guys give me any suggestions as to what i can do to pay for this? i live in california... if that matters.... thanks""

""What is classic car insurance, what cars are eligable and how much would it cost?""

basically i was told that classic car insurance is dead cheap and im a first time driver at the age of 18 and was wounderung how mcuh it would cost?, what cars are eligable ? and is this a cheaper option also my favorite car is vw golf mk 2 gti would this car be eligable for this insurance seen as tho it is quite an old car""

What would be a good insurance for a 19 year old new driver?

Ok so heres the deal, Im 19 and looking to get a car for school. I go to school in upstate ny and wanna move off campus so i need one for transportation. What would be a good insurance company to go to for cheap insurance for student drivers? Im going to buy a used car off of craigslist, my mom doesnt drive and theres no option for going on a family members insurance. Im doing this all on my own, getting a car, paying insurance and all. Im looking on getting a 2001-04 mitsubishi eclipse or lancer just for an idea. But i dont wanna be stuck paying like 400 bucks insurance at geico or like statefarm, student driver discount my ***. Suggestions would be helpful, not a rant about how i have to think about insurance and gas and maintenence im well aware of all that, i wouldnt be getting a car if that. Thanks.""

When does car insurance go up in relation to an accident?

I was backing out of a parking space, and the car that was parked next to me was closer to me than I thought, and I scraped the side of their car as I backed out. I left my information, and filed a claim with the insurance. My car was fine, hers was scratched pretty significantly. Anyway, I'm wondering how car insurance works in terms of covering things like this & in terms of increasing rates after an accident . Do the rates go up regardless? Do they go up a lot? Or does it depend on the severity of the incident? FYI I have never had any moving vehicle accidents or tickets. Any help would be appreciated...I'm kind of in the dark!""

Car Insurance Help Please?

So do you have to pay for insurance even if you don't own a car but have a license?

Life insurance question.?

can your family collect it if someone commits suicide. for instance,when i shoot myself in the head and die,will my family get anything for it? honest answers only.""

insurance westbrook maine

insurance westbrook maine

Motorcycle insurance?

Anyone know where I can get cheap bike Insurance I'm looking for basic coverage on a 650cc Yamaha Maixm I just got my licence in May. I live in Ontario Canada.

Insurance write off question?

My car has recently been declared an insurance write off, basically a young guy (17) pulled out of a side road T-Bone ing me, causing me to be pushed into a tree, all the under body of my car was twisted and it would cost more to repair than the car is worth. The problem is my car isn't worth anything ( Peugeot 206). Someone is going to phone me tomorrow to discuss a settlement figure, I'd like 2k, (I paid 4k) 2.5 years ago for it. How much am I likely to get as an insurance write off, bearing in mind the other driver had admitted full liability and blame. It was a 2005 Peugeot 206 with 70k miles, one previous owner with a recent mot ( 2 weeks ago) also I've just paid for 12 months tax ( last month) can I reclaim this somehow? Thank You As for the other driver. I spoke to the police office who attended the scene and he went to his house yesterday to interview him, apparently he can do him for dangerous driving and give him points, as he was 17 I bet he will get caned on his insurance renewal, which is some comfort I guess :)""

Can I still be on my parents car insurance if I live in another state?

I'm currently living in New York and planning to get a condo in Georgia for college. Once I move and have MY OWN address (the condo would be permanent) and a resident of Georgia, am I still able to be on my parents insurance if my parents own the car. I believe that if you live in the dorms you can still be on their insurance but we need to purchase a property because in-state tuition is far cheaper than out of state tuition.""

I dont understand how kids can afford a car and insurance?

for me it will take about a year to save up for a decent car, but the insurance is like 5000 a year, how could someone afford that, is there something im missing? and is it only like this where i live (ontario)?""

Where should I look for health insurance for my mom?

My mom is 55 years old and lives in another state as me. I currently work and live in Pennsylvania at a great company that provides health insurance, dental, vision, etc. I cannot add her to my policy, as much as I would like to so I would like to try and find a policy for her. My dad works for a company that provides health insurance, however the cost of health insurance to him and my mother (who live together and are married) is extremely high. Currently, they are seeking alternatives so that my dad is covered under insurance through his company and my mom can get coverage through a third party company at a lower rate. The rate they are asking my father to pay to have both of them on the coverage policy is insanely high. I pay about $55 a month for health insurance and they are at least quadruple that. I'm looking for suggestions for a reliable and trusted company (Aetna, Anthem, etc.) that would provide individual health insurance at an affordable rate, if anyone knows of anything.""

""Looking for good Health Care Insurance, that covers pre-exisitng illness?""

Looking for good Health Care Insurance, that covers pre-exisitng illness?""

Cheap and good car insurance in southern California ?

I'm currently paying $135 a month for state farm insurance. I am 20 Male, clean driving record, and no accidents. I drive a 97 Toyota 4 Runner. Is there any way I can pay leas for car insurance? Or switch to another car insurance?""

What happens to my insurance premium if I stop owning a car for a period of time?

Does it affect my no claims bonus if I already have 6+ years no claims?

""Health Insurance 15 years, now NO health insurance!?""

I've had insurance since I've been on my own now, roughly 15 years. However thanks to Obamacare my insurance plan has been cancelled, so now I don't have insurance. Obamacare requires maturnity care, which of course mine didn't cover because I am a male. I looked into Obamacare but it was like 400 a month for me versus my other Blue Cross plan which was 175 a month and had almost little to no co-pay and a very low deductible. So someone explain to me how after all these years of hard work and having GREATTTTTT health insurance I have NO health insurance and basically don't want this bronze OVER priced piece of crap high deductible health insurance. If your broke, then you can't even afford the bronze because the deductibles are so high that it will bankrupt you and you won't get the subsidies until end of year so you can't afford it anyway LOL. Kinda sad I lose my health insurance so some low life can now finally have something they can't afford to use any way.""

Health insurance for baby?

Anyone know any health insurance companies that cover babies right after birth? I found out last night that my insurance won't cover my baby the second the cord is cut because I'm under my dad's policy and she is not/will not be his dependent. I do NOT want to go on government insurance, so are there any other companies that will cover infants from birth on? Thanks in advance.""

Can you drive someone else's car without your own insurance but their car is covered?

For example, if I drive my friend's insured car and she's in the passenger seat while I'm driving (without my own insurance), is it legal? Also, can I drive my parents' car occasionally without my own insurance but the car is insured? I'm 17 with a California driver's license. Thank you!""

Why is my car insurance expensive as the year go by?

i got the car in 2009, each year the car insurance keep rising by price.. it was 400, then 600, now its 800... but as the year go by the car is getting older, so why is an older car insurance more expensive? does this have anything to do with the fact that my car has leather seats?""

Need help ASAP. Is it possible to get retroactive car insurance after a car accident?

I was recently involved in a car accident where I was at fault. The major problem is that at the time it happened my car insurance had been canceled for nonpayment more than 30 days before. Is it possible to pay the premiums that I missed and get retroactive car insurance? I'm trying to avoid a misdemeanor on my record. My insurance company is State Farm, and after the accident I immediately called them and had my insurance reinstated. I also told them about the accident. Please, I need help ASAP.""

What does full auto insurance cover?

hi, i bought a 2005 saturn on sat. i am tryng to get insurance quotes, so what i need to know what exactly does full coverage include? details please!! NO RUDE ANSWERS!!!""

Can't find affordable Health Insurance for my wie?

I have been talking to Medicare Medicaid Market Place and can't find health insurance that I can afford for my Wife. She is 65 and a US citizen. I can find Health Insurance for her if I pay over $700 month and who can afford than, help pls""

What does your car insurance company do for you?

If you are not at fault in an accident, what will your insurance company do in order to get your car fixed? How much help will they give you, or are we supposed to settle everything, make the calls etc. with the other carriers insurance. I was hit from behind while I was stopped at a yield sign. The other drivers fault ( a no-brainer). Yet I am getting different information from my agent, the other drivers agent, and even the auto-repair shop !!! Any feedback will help greatly.""

How much should I be getting paid insurance CSR?

I live in California, I work for a small insurance brokerage that brings in about 6.5 mill in premium. I have been working here for 2 years and have had my PnC license for a year now. I am the ONLY employee in this office. I make 13 a hour, no paid vacation or holidays, no random bonuses, no commission. The company pays my health insurance which comes out to 230 a month. The duties that I do is answer phone calls, policy changes, rewrites, occasional new business apps, renewal quoting, and PDF filing. Im just wondering if Im being taken advantage of or not. Im new to the insurance industry. Thank you!""

Low cost liability car insurance in Conroe tx?

What are some places, How many people do you have on your liability insurance and how much do you pay and who do you have? I have two people and atm using AIG. they are going to up my bill over 65 a month. Wondering if anyone else is getting better?""

Rear ended someone with the same insurance (AAA California). Deductible is waived. Who pays for damages?

If insurance pays for damages to their car, will my premium increase? The estimate of damages is larger than my deductible but since it is only cosmetic damages is it worth the risk ...show more""

Homeowners insurance quotes?

is it true you have to pay upfront 1 year homeowners insurance when buying a home.

Health care insurance?

My wife retired last year and got the cobra plan from the school district in California,now we moved to Arizona and she is going to get a job at the school here in Page and will get health ins. Just to cover us until she is established can we have both insurances just in case the Page job doesn't fly. Concerned in Arizona""

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

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

""Planning on buying a newer car, wondering how much my insurance will go up or if it will at all?""

Right now I have a Ford mustang, and i'm paying about $800 every 6 months, i'm planning on getting a 2006 Grand Prix so since it's not a sports cr but it's newer will my insurance rate stay the same? Will it go up? Or am I lucky and will it go down?""

I have a full uk car licence what do i put on my moped insurance?

my licence is full uk car and i done my cbt but when i look online to do insurance quotes and select licence type it always colmes up full moped, provisional moped, full motorcycle, european moped etc and no full uk car what licence type shall i put because of this ?""

""Best and reliable home ,auto ,life insurance?

bset and reliable home auto insurance

insurance westbrook maine

insurance westbrook maine

https://www.linkedin.com/pulse/bmw-car-insurance-price-luis-hunt/"

[generouslyteenagealpaca-blog]

18-yr-old driver, new liscence, needs insurance?

"18-yr-old driver, new liscence, needs insurance?

In the suburbs of Dallas, Texas. I know that a major company won't take a new driver on as first-time insurance, or the rates would be really high, so what's the best suggestions? Thanks!

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

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Car insurance for UK female age 21 Peaugout 206??

Anyone any rough idea how much id pay?? And any good, cheap insurers? Also, is it better to get comprehensive, 3rd party fire and theft or just 3rd party????""

Health Insurance - Early Retirees?

Does anyone buy their own health insurance? What is the rate usually for a 62 yr old individual plan? I have gotten 227/mo to as high as 969/mo. How to know if its a scam, too good to be true or a rip off? Thanks for helping. Is Aetna real? I rec'd calls from a broker underwriting with Aetna and worry that those prices of 227/mo were so affordable it must be a scam right? I would love to know what a normal price per month for health insurance is, with no employer involved, however earns too much to qualify for affordable coverage. This is NYS if that matters.""

Can I have monthly insurance?

I want to know if I can have a policy where I can insure my car for only 2 months? With my insurance I pay $560 per month and it will cost me $800 to cancel it mid-term. Is there any way to go around this because i'm shipping my car to Europe at the end of July but still need to use it here. I live in Canada and a response from a broker or an insurance company or even any one with the slightest experience will be greatly appreciated. Thank You!

Fast cars low insurance group?

Im looking for a car with a budget of around 2000. It needs to be below insurance group 10 and the hitch is i would like the 0-60 time to be less than 9 seconds. Any help would be appreciated!

Where can i find the car insurance rates by state?

Looking to see how much car insurance rates are for different states.

How much on average would liability insurance cost after 2 dwi's (5 years ago)?

It's been over 5 years (and sober!). I'm on a tight budget though and need a car for work now. I already figured what the interlock will cost me, but I have no idea on insurance. I don't know if it will be $100-$300 a month. After the first DWI (bad college years), it was about $125 a month I think. So I'm really hoping it stays under $250 at least a month just for liability. Anyone have any ideas? Thanks :)""

Looking for a good insurance company to represent in California?

I'm a licensed insurance agent in California. I've been through 3 firms in 3 years and did not make much money at all. Now I'm working retail waiting to get back in the game while my license is just wasting away. Please, no AFLAC or World Financial Group referrals. Training is non-existent at AFLAC and the WFG people were absent of integrity. Could anyone recommend a good company to work for that is structured and has a good training program. Thank you.""

Need help with insurance?

ok im getting my first car and im 17...i live with my mom and step dad. my mom cant get a licence because she has seizures and my step dad cant get his back until next year. since im under eighteen can i get my own insurance or do i have to be put on someone elses and if not will it cost a lot since im a new driver and a teenager? please help!

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

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

Insurance rate about traffic violations question?

Ok so ive gotten 6 tickets since ive gotten my licenese about 8 months ago. Got the tickets on 3 different occasions. Yes I am a dumbass and will never conduct a traffic violation again because of my last incident. Ok so heres my question will 2 underage drinking charges, having open liquor in a motor vehicle, not being able to provide owndership, public intoxication, and tresspassing affect my insurnace if the motor vehicle being involved is checked off on the tickets? I know the open liquor charge will forsure. But what about the other ones? Your answer are much appreciated""

How do I get Certificate of Insurance for photographers?

Which insurance company should I go to for a policy for photographer. A million dollar coverage in NYC. How much does something like this cost for a year coverage.

Why is insurance so expensive?

I am 18 right now living in downtown toronto. I want car but insurance quotes give me no less than $700 a month. I tried calling insurance agents but i keep getting 800+ month quotes. The car is a 2007 chevrolet malibu 4dr. I cant put it on my dads name either because he has 3 dui's. How can i get cheaper insurance? is illegal insurance an option?

Thinking Of Insurance For A Car Even Know Im 15.?

Hi There For Ages Now i have been looking for an insurance site that does not have an age restrictor on it Because i am thinking of my first car. I Know quite abit to do with insurance im not a noob e.g ( I Will not be insured on a Nissan Skyline Lol ) Anyway .. I Was just wonderin if any 1 had any sites they would just giv out a price and not ask for your age. I Want my first car to be aither: A Citroen Saxo 1.2 or 1.0L , A Vaxhaul Corsa B Or C 1.2 Or 1.4L Or A Pugeote 106 1.2 , or 1,4 < This 1 I really want The 1.4 Engine. If There Is no such insurance site without an age restrictor Could somebody tell me what price it would be for the 106 1.4 L As A New Driver Please . Thanks And Hope You Answer. :)""

Car insurance in my name?

My mom gave me a car afew yrs back and it is still in her name. She's had insurance in her name but wasn't able to make the payment this month. Can I get insurance on the car in my name even with car still in her name?

Motorcycle insurance estimate after DWI?

I'm 21 and had a pretty clean driving record untill 2 years ago when I was charged with a DWI and was convicted of it 1 year ago and lost my licence for a year. I'll be able to get my licence back in 2 weeks. I just purchased a Harley that I want to insure with liability I'm wondering what other people in the same situation are paying for insurance? I'm hoping to keep it under $80 a month for liability on a motorcycle. I was paying $55 a month for 2 older vehicles with liability before the accident and motorcycle insurance is typically cheaper. Any suggestions on good high risk policies that insure motorcycles?

Bad Faith Auto Insurance?

Should I hire an attorney for this?, I purchased a policy online a few months ago within the first few days that i had this insurance I had a storm and damaged my vehicle (minor) with hail damaged I submitted out a claim, appraiser was sent they covered the loss sent a check to me, now i take it to the bodyshop and try to have it fixed but they need a supplement, they contact insurance co. but insurance co, makes many excuses over this they state I dont have full coverage which I do, and it was verfied with them that i do, the next few weeks pass and then I finally get a call from a manager at the insurance company stating that they mistakenly sent me out a check because I made a false claim report, they said that they can tell by my pictures before policy was bought that vehicle had damaged (which is an excuse of denying supplement) and stated the the adjuster overlooked everything point here is that insurance co, cancelled my policy by stating underwriting issues, so now Im without insurance coverage, the manager also stated she reported this to the texas state but mentioned she could not put a stop payment on the check and that I could still use it to fix the car or cashout the check... I am really dissapointed at how all this was handelled, Im thinking about getting an attorney, I already discussed and this issue with the Insurance company and Im basicly told that I lied about the claim and they end my call... Should I wait to get an attorney or should I just get one and go from there? I believe this is bad faith insurance coverage, What should I do? I mean I still have the check it is not cashed out, I cant really do much with this check everyone charges an arm and a leg, can they file insurance fraud charges and if so even though I know I did everything right should I get an attorney?""

Caught without car insurance.?

I was caught failing to stop completely at a red light right turn. The cop stopped me and asked for everything. I gave my driver's license, and my dad's insurance. the cop wrote me a ticket afterward and that's that. however, the thing is that i don't have insurance myself. is anything going to happen? note: this just happened 3 days ago and it apparently takes the count 2 months to enter the citation into the database""

Who provides the best Renter's Insurance in California??? What is Renter's Insurance Anyway?

Hello... I am new to renter's insurance. Does anybody know a good website that I can do research??? Generally what does renter's insurance cover??? Thank you for your answers!!!

1 Day Car Insurance?

Does anyone know of companies that offer one day car insurance for 20yr old they all seem to be 25 and over why is that.....

Car insurance for 16 yr old with mustang?

im 16 and just got a 05 mustang, and now im trying to find a cheap insurance company. I want to spend less than $275 a month, does anyone know one?""

Is car insurance for a second driver over 25 years of age free in Canada?

My girlfriend will be getting a car soon, and will be buying an insurance policy. I am 25 years old and have been driving for around 8 years. Do I need to purchase a second insurance policy to be able to drive that same car?""

About how much will motorcycle insurance cost me?

i am 18 and have been driving for around 1 and a half years (car) and would like to get a motorcycle, i've never missed a payment, have never been in an accident, and have taken the msf course my first bike will most likely be a used kawasaki vulcan 500cc or a used yamaha vstar 650cc""

Can I get a life insurance license with a misdemeanor on my record in California?

Misdemeanor is four years old for petty theft.

How much dwelling coverage is sufficient for a home owner's insurance.?

My current insurance covers $480,000 for the dwelling (bot house for $1 mil but i'ts probably worth 700K now). It's 1500 sq feet. I got a really affordable quote for $240K coverage, but is that too low? The salesman said anything more is probably over-insured. The home is in a nice area, has upgraded plumbing, electrical, newer roof but the structure itself is extremely old.""

Liability vs Full Coverage??

I don't know much about insurance can someone tell me how liability and full coverage insurance works?

18-yr-old driver, new liscence, needs insurance?

In the suburbs of Dallas, Texas. I know that a major company won't take a new driver on as first-time insurance, or the rates would be really high, so what's the best suggestions? Thanks!

How strict is Humana health insurance with pre-existing conditions?

I've had acne since my teens but it's really been bothering me lately psychologically and hurting alot when trying to sleep on my back from cysts. Also sometimes minor acne on my face has been causing permanent scars. I want to go to the dermatologist and see if I can get accutane, but I just got my health insurance beginning of the year and had no creditable coverage before that. According to their written policy, I might not be eligible since I actually went to the doctor and got antibiotics for acne less than 24 months before enrollment in the health plan. I would like to say that the condition manifested itself in the past month psychologically which caused me to seek out accutane, which is true. Should I even mention my past diagnosis can they check it somehow? I really don't want to pay $3000 out of pocket for accutane, but I feel I really need to do this now for my own well being. What should I say to the doctor, how much will they investigate preexisting condition""

Motorcycle insurance in Ontario?

Hi I will be turning 17 in a few months and plan on getting a sports bike such as the ninja 250r or the gs500f. I am just curious if someone could leave me a rough estimate on how much insurance would cost me if I were to insure one of those 2 bikes in the province of Ontario. Thank you in advance.

Which is more expensive: Car or Motorcycle?

And let's say they are both cheap ones. Similar price; not a fancy engine.

Can my parents add me to their car insurance for a shot period of time?

I'm planning to go on a road trip and I was wondering if it's possible for my parents to add me to their insurance so I can use their car for a week, and whether it will be cheaper that way than to rent a car (I'm 24). They have American Family Insurance.""

Car insurance quotes?

I have just spent an endless amount of time on various car insurance sites, which start of with reasonable quotes then you add the bits and pieces on and you end up with ridiculous final costs. I am not insuring a 0-60 in 5 seconds type car but a small 1.4 Honda I am fully aware that any car can cause damage,my wife drives the car,has had no claims or convictions. I have a larger car and the insurance is 50 cheaper than all quotes received so far,which includes breakdown recovery,protected no claims and legal cover. anyone with car insurance advice would be appreciated, these car insurance sites are a pain""

If you buy a car in full do you need to have collision coverage in your car insurance?

If you buy the car in full (pay for the car at once, not lease or financed) do you need to have collision coverage? If I get into an accident with somebody, wouldn't the other person's insurance pay for my car's damage? I'm planning to buy a used car for $17000 (paying in full) should I get collision coverage? also somebody explain Liability and full coverage for me (I guess full coverage is selecting every coverage when you lease for finance your car).""

What are the top 5-10 cheapest car insurance?

And which one is the cheapest?

Motorcycle insurance?

I received my scooter insurance in the post but is there a cert like a car as i did not receive one and if there's not what do i bring with me to prove to the police i have insurance?

Does anybody know where i can get cheap car insurance?

Hi, I'm 20 and i am looking to buy a small car so i can commute to work. However, the insurance on it is sky high. I have tried all sorts of different makes of cars to see if the insurance is cheaper but it doesn't really make much difference, i am looking at Puntos, Yaris's (small cars like that). I have had my licence for 3 months so obviously it is going to be slightly expensive. I have been on all of the price comparison websites and the cheapest i have got it so far is 308 A MONTH! Apparently my postcode is notorious for sky high insurance but that's just ridiculous. Does anybody know of any insurers i can try which could be cheaper? Thanks""

I'm looking for decent but affordable health insurance that includes maternity...anyone know of some?

I'm looking for decent but affordable health insurance that includes maternity...anyone know of some?

Cost to insure 2000 bmw 318?

Im 18 and currently live in Iowa. Im looking into buying a used BMW but dont want to pay an insane amount for insurance. I was just wondering what I would pay for a 2000 BMW 318. Sedan v6. Estimated price? Compared to my 2001 4cyl Honda accord sedan? Thanks

Cost of car insurance for 46 year old?

Cost of car insurance for 46 year old?

Looking for health insurance for self employed person with hepatitus c?

I am self employed and have Hepatitus C, I am looking for health insurance""

Getting Car Inspected Late - will insurance go up?

If you let your car inspection sticker in Massachusetts expire before and then you go to get the car inspected late, will the Massachusetts RMV find out that you let it lapse and then hit you with points on your license and/or increased car insurance rates? Would if your car doesn't pass inspection, will that raise your car insurance also?""

Car insurance question?

how much is it for a 17 year old for a year of insurence if i have my own car? btw i have allstate and i will be on my parents plan

Cheapest full coverage car insurance for an 18 year old?

i'm eighteen years old and im about to get my first car. i think im going to work all summer and just save up so by the end of the summer ill either have enough to fully buy a car or have enough to make payments. my mom said i have to get full coverage insurance. what is the cheapest insurance i can get. and what is a quote?

Car Insurance query (involved in accident)?

Yesterday I was involved in an accident, I was stopped on the motorway when a car was going too fast crashed right into the back of me, pushing me into the van in front, the recovery guy who picked my vehicle up said it prob will be written off due to its age. My questions are: a - I am an additional named driver on the policy with direct line, the policy holder in my mum, we didn't select for courtsey car, and my friend seems to think that the person who crashed into me, his insurance company should provide me with one? And if so how do I go about this? b - I think I may have whiplash, my neck is extremley sore and I can't look to right and left without turining my whole body, I am going to doctor's tomorrow, do I get compensation for this as it said online you can claim loss of earnings but at the moment I am unemployed. I spoke to Direct Line who advised providing the man admits it was his fault (I can't see him not as it clearly was) then my mum won't loose her no claims. Thanks""

This is About car insurance?

I am getting a car soon and I want to kniw how much insurance was for me. I'm 17 and a boy so I know isles should be high. And is it a monthly thing or a one time fee?

Can you get medical or medicade if you are pregnant and MARRIED?

My friend is married and pregnant but she recently lost her job and her insurance. Her husband is the sole provider and he makes 45,000 a year before taxes but she is not on his insurance. can she still get her pregnancy covered by a government program. We all live in California if that helps. Anyones stories would be greatly appreciated.""

""Does car insurance go down when you move to a different state, if so how do i lower mine? (see details)?""

I used to live in LA and my car insurance was 46.00. Well, I went to progressive and did a quote with my new address which is in TX and my car insurance quote is for 26.00. How do i go about getting these new rates since I no longer live in Louisiana.""

Reasonable health insurance in CA??

My step-daughter, husband and I are currently insured trough Blue Shield of California. The Deductible is $7.500 annually and we are paying $520 a month. Whenever we are going to get my husbands prescription drugs, we have to pay 100% out of pocket, whenever my husband has to go to a doctor we have to pay %100, whatever we do, we have to pay 100% ourselves, when does the insurance come in??? Every year, we have to pay $7.500 out of pocket till we can expect the insurance to even consider covering anything, who has that much money to spend every year on health insurance?! Recently my husband started having kidney pain, hernia, heart problems... but we can't go to a doctor because after paying the $520 a month to the health insurance we are simply left with nothing. I have not been to a doctor for 8 years, now I am very frustrated, I really need to take care of my husbands health but every insurance is just a ripoff. Can anybody help me with some advice...or a good insurance with low deductible or none at all (if that even exists).""

Mortgage Life insurance or regular Life insurance?

My husband and I got information on Mortgage Life Insurance which basically is kind of like Life Insurance I guess and pays off your mortgage if someone dies. For example, our house is $180,000 and I die in 10 years and the mortgage balance is $80,000 then my husband still gets the original $180,000. He can use this to pay off the mortgage plus have money left over and use for whatever. This sounds like a great deal to get but I want to get other people's opinions who know information on this. It is called Forester Mortgage life insurance. Also, what is the difference between this and regular life insurance? Is regular life insurance better? Thanks!""

""What is a good affordable dental, health, car, & life insurance?""

What is a good affordable dental, health, car, & life insurance?""

Can i get Health New England Insurance in other states?

I'm thinking about moving to Virginia to be with my boyfriend once I graduate but i was wondering about my heath insurance... I have Health New England from my father, do they only provide it in New England... since it is called 'Health New England' or would i still be able to have it when i went to Virginia??""

Insurance Cost on Muscle Car?

Sooo I know that insurance costs vary from state to state, and also on your carrier... but I was just curious as to if anyone could give me something to go off of. I'm 16, and I'm seriously thinking about buying a 2002 Pontiac Trans Am. (Yes, I know it's got a V8, and no, Mommy and Daddy aren't helping me with a penny, so please no trolling on that subject) I planned on going through my Mom or Dads' insurance. They both have multiple cars on their plans, and are carried through State Farm. Does anyone have any idea on how much it woud cost to be put on one of their plans? Or is there any tips or tricks out there to get a lower payment for me? Just curious.... lemme know what you got please! :)""

18-yr-old driver, new liscence, needs insurance?

In the suburbs of Dallas, Texas. I know that a major company won't take a new driver on as first-time insurance, or the rates would be really high, so what's the best suggestions? Thanks!

CAR INSURANCE COST? 19yrs?

Im female, 19 years old, just got my license, will be driving a chrysler/sebring JXi. Im looking for the cheapest/minimum coverage in Bradenton, Florida.""

What can freelancers do for individual health insurance?

I have my own little freelance job that I do for cash. I'm not married and not a student, so I find myself without any medical or dental coverage. I'm just looking for coverage for gynological care (once per year), maybe a regular check-up (once per year), and prescription coverage if possible. And, if I'm really lucky, I'd like dental to be able to have a cleaning every 6 months. I've tried looking online but I don't know what or where most of the insurance companies are and if they are real or even trustworthy. I am not a registered business nor do I make loads of cash, but I do not want to go on welfare of any sort. Does anyone have any advice for me? Thanks!""

Do you add your kids under your car insurance ?

Do you add your kids under your car insurance ?

Does adding a driver/family member bring drive up car insurance premium?

I want let my parents drive my car once in a while, do i need to add them as additional drivers or are they covered under my existing bare minimum insurance coverage.""

Change in Health insurance? Or not?

First, I hate insurance companies. I really don't understand how they can continue to get away with the cherry picking of clients to minimize their losses...I myself have health insurance through my employer, however when I was between jobs at one point I applied for short term coverage and was denied because I had previously had an abnormal pap smear...I was furious!!! My quesiton is - how do you think private health insurance will be impacted, IF AT ALL, if Obama gets elected this fall?""

What's the cheapest auto insurance for 20 year old male?

Which company

Best car to get for the cheapest insurance in the UK for a new young driver?

im nearly 17 and looking to start driving, which car would let me pay the least amount of insurance?""

SR-22 for DUI in California? Secondary liability insurance?

Has anyone ever heard of Secondary Insurance? How does it work? Is it legal? My attorney recommended a guy for this policy, and it sounds too good to be true. They create a Shell liability policy for my person, unattached to my car, and my auto rates won't increase? Is this a total scam? I need to get a SR-22 to get my lisence back. Any help is appreciated and of course bested""

Online car insurance quote?

My husband and I are looking for ways to cut back spending. We wanted to look for better car insurance rates so we looked online and got a quote that was considerably less (about 700.00 less a year) with the same deductibles and options we already have. My question is ... has anyone done this and had good luck with it? And does this to good to be true rate increase after they real you in? And what is a good company to go with?

What is my insurance going to cost?

I'm going to get my license when i turn 18 (yes the day I turn 18) and I was just now thinking abt insurance. I've never really thought about it before. So can those who have been through the getting insurance thing help me? Here's some things to add up: 1. First time driver (litterly just got license and vehicle) 2. Did not do a drivers ed at a high school (heard it costs more if u don't take it) 3. Going to drive a big 4x4 diesel truck 4. I'm a male And that's abt it I guess. Idk what insurance company I'll be using. Probably my moms insurance company. But I don't know what it is. Also. The insurance will not be under her name (if she can even do that) because I'll be an 18 year old adult. How much is insurance going to cost every month? Thanks

What should I expect in car insurance?

Right now, I am seriously considering sharing a car with my boyfriend, so the insurance is lower than it would be for two cars. He is perfectly okay with the idea, but I would still like a truck to haul my horse (his Taurus SE can't do that long distance) for when I move, so it would be more convenient for me to have my own vehicle. I am a 17 year old female. My grades are a B average. I don't have a credit score, i pay with cash or my debit card. I want a truck (preferably an old cheap one that runs). I've heard insurance can be higher if you have a red vehicle, so I am going to avoid that. What else do you need to know to estimate my insurance? Thanks.""

Insurance for modified car advice !!?

i want to buy a car that has full interior and exterior body work done to it, will this effecct the insurance ?? also the engine has had a 'ecu chip' and air filter added/changed so will this effect insurance in any way ?? and can i get replys from someone who knows what there on about no some random answer thanks""

Can auto insurance keep policy after being told to drop?

Switched insurance companies. the original insurance company WOULD NOT CANCEL the policy. Is this illegal?

Car insurance quotes?

i have just passed my driving test & was looking at insurance quotes on different comparison websites . i am a 36 year old man with 4 kids & wife & need to get a car to further my career . i got a quote for a 1997 R reg 800cc Daewoo matiz and will be fitting an alarm as well as keeping it locked in my garage overnight but the cheapest quote a can find is 1282 a year fully comp & paying up front .I also got a quote for a 1998 S reg 1.4 Peaugeot 306 Meridian & the quote I received for this car was 942 for the year again payment upfront . the problem I have is that with the latter quote for the Peaugeot is that there wasn't any alarm on the quote & it was to be parked in the carpark next to my house . So why oh why is a car that is less desirable & has a smaller engine costing 340 more even though it has an alarm & locked away over night .

""Does anyone know how much a boat would cost me for a year, that's including gas, insurance, etc.?""

Does anyone know how much a boat would cost me for a year, that's including gas, insurance, etc.?""

What is the diffrence between the full tort and limited tort auto insurance?

i have just moved to nj from england and im trying to get insurance on my range rover i have just bought here but your insurance is totally diffrent to ours what is full tort and limited tort (etc) on progressive i can get my range rover insured for $200 a month but then it says recommended $450 and plus package $570 we dont have these diffrent packages i have no idea what bodily injury is and it goes on about all these thousends of dollars on property damage and lawsuits and uninsured its all so confusing can someone please help and break it all down im only 20 but im 21 tomorrow i moved here in april this year so i dunno if it will be cheaper when im 21 tomorrow i know it drops in england when your 21 but im not sure about here any advice would be appreciated thanks p.s love the country :)

Car insurance for a 21 yr old living in ny?!?

Approx how much does car insurance, per month, cost for a 21 yr old college student from abroad in ny? My sister who lives in the country pays about 130 dollars per month in MA.""

If I move out would the health insurance be in my hands now?

That and car insurance? What will be put on me that my parents used to handle if I move out of the house?

""16 year old guys, how much do you pay in auto insurance every month?""

im tired of filling out online quote forms, just so it can tell me to call a customer service rep. i dont even have a car yet, but im planning on getting one, and im just wondering what the average for 16 year old guys is for auto insurance how much do you pay for insurance per month, how old are you, what do you drive? is it like $150, $200, $250, $300""

Can insurance and credit card?

i want to pay monthly to the car insurance company> interest for monthly payments is 8.5% people said go and get a credit card and pay that back 0% but am i best just to pay the car insurance company? i dont know if i would get a credit card as ive not applied for one before and dont know about my credit rating it would only be 4-5 extra monthly to pay the insurance co with interest? is it worth the hassle? as i want to book insurance now. help?

Where can I get affordable life insurance with good benefits?

I have 4 boys 19,18,15 and 13. So I will like to insure my kids. I live at SF, California. Any advice?""

I rang up Tesco Car Insurance today and they sent me away?

Hello, I rang up Tesco Car Insurance today, this women spoke on the phone and her first question was asking for the policy number, and then I asked her a question why they increase my insurance and she said everywhere is the same, they are the cheapest, and then she told me to ring somewhere else to get a quote and then phone us back. Thats a good customer service. What do you guys think about this situation?""

Do I really need Car Insurance?

I live in Kentucky. My car is not drivable at the moment and has not been for months. Since I can't even drive the piece of ****, do I even need Insurance? I'm paying to much for it anyway and I don't think I should be paying for something I'm not driving!""

What car insurance company has the cheapest coverage for drivers aged 18-25?

Chicago-land area companies would be best. Any insurance 100$ or less????

What are the ins and outs of buying/owning a classic car?

I have been considering purchasing an older car for about a year. I've done a little research during that time and narrowed down what I want. Last week, I found a car that I really like, a '62 Lincoln. However, I have some concerns about having a car like this and wanting to get some feedback from someone with the knowledge/experience/wisdom in this area. Firstly, I am not rich and getting this car would mean borrowing money. My intent was to sell my current car once I have this car to cover most of the cost of the classic. Would that be a mistake? My current car is paid off, so money-wise it would be a question of insurance costs and taxes/tags every year (if I were to keep my current car). Second, the car I'm looking at is pretty authentic, meaning it has almost all its original parts and accessories. Would it be a mistake to modify it? I mean, repainting it (down the road), having the upholstery redone, installing a current radio and speakers, putting on modern-style tires, etc. Will this change its value negatively? I do like the car as it is, but I'd really like to put modern-style tires on it and put in a modern stereo, at least. Repainting and such would be probably 5+ years down the road, if I decided to do this. Probably, I'd want to reupholster the seats before painting it. And, since I am not rich nor a moneyed individual, I don't have a storage place to park it at my place. I mean, I have a garage, but my house is old, the garage is narrow, and I use it as my workshop. If I were to park the car in it, that would be I'd have to pack up my workshop and remove the shelves to make it fit. Do I need to keep it in a garage? Would that be smart? Does it matter since it's intended to be my primary vehicle? I can't think of anything else to ask at the moment, so if you have any other advice or insights, I'd certainly appreciate them!""

18-yr-old driver, new liscence, needs insurance?

In the suburbs of Dallas, Texas. I know that a major company won't take a new driver on as first-time insurance, or the rates would be really high, so what's the best suggestions? Thanks!

Does taking driving classes cheapen the cost of driving insurance for new drivers?

I'm planning to get my driver license when I turn 18 which is in two months and I live in Massachusetts. The state law says that you don't have to take driving classes in order to get your driver license if you are over the age of 18 but I am taking in order for my driving insurance to be less. If so, do you save around 10-15% on driving insurance rate? And how long does this discount on this insurance last for drivers.""

Insurance under 4000 for 17 year old?

Ok, well I'm 17 (male) and have passed my driving test. I have compared many quotes for all the worst and lowest engine cars, like corsa 1.0, peugeot 106 1.1 etc I just can't seem to get a quote under 4000! Does anyone know if there is anything I can do to get affordable insurance? I heard that insurance for 17 year olds has doubled in the past year but didn't reckon it would be this much! Any help you can give would be greatly appreciated :)""

Best car insurance for my children while they're at university?

My two children (aged 20 and 18) have gone to university this year. They've left their car (VW Polo) at home. What is the best way to insure this car now? It's only getting used when they pop home, and a bit more over Christmas and Easter, probably summer too. However I can't find any insurance that will take this into account. I've got my own car, so theirs is just sitting there for 8 or 9 months out of the year. Does anybody know of any insurance providers that will insure a car while taking this into account?""

I got a speeding ticket in my car. Would that affect motorcycle insurance?

Im looking to get a motorcycle. Would a speeding ticket in a car affect motorcycle insurance.

How much would insurance cost?

I'm 19 and just passed got my driving license. I live in Yorkshire (I think that me living in Yorkshire reduces the cost of insurance a bit). How much would annual insurance cost for something like a Mazda Rx-8 (2000-2006). Also if possible how much would it cost for a Volkswagen Golf GTi or a BMW E series. I know I havent given much information about which cars but let's just say a car priced between 2000-4000. Also if I do the Pass Plus course how much would that reduce it by? I just need an estimate by the way to get an idea of the prices. By the way I am a first time drive and male. Thankyou

Home Insurance Coverage In California?

We are new at purchasing the home insurance. (we plan to buy a house) We call the Progressive Insurance and request a quote for the house insurance And we also do some online quotes. All it cover basically the house part. We heard that they will cover the disability, life if spouse died the insurance gonna paid off the mortgage, unemployment they gonna paid for 1 year etc. Any idea or tips which insurance provide that? Thank You""

Who is the cheapest car insurance company for two cars?

One is a 1993 Ford Probe and the other is a 1994 Toyota Camry.

How much would it cost to insure a ford puma?

how much would the insurance be on a ford puma for a 17 year old, driver whose just passed her test??""

What would be the cheapest insurance for a 1992 camaro?

What would be the cheapest insurance for a 1992 camaro?

Have a few questions about car insurance?

I am planning on buying a car soon but I have a few questions: 1) When I go test drive the car, do I still need to have car insurance while I'm driving (e.g. Temporary car insurance)? He will be with me in the car. 2) Can I leave the car on my drive way(private land) without any car insurance? I will be getting car insurance most likely a few days after buying the car. Do I still need to SORN it? 3) The Tax expires next year, but do I still need to buy another 12 Month because of a different owner? 4) What other infomation should I bring or record while filling out the V5C? should I then post this V5C form to DVLA or the seller? Sorry for the questions, first time buying a car.""

Do you think it is discrimination that car insurance for teens and people in their early twenties is so high.?

parents don't allow teens to drive because they cannot afford the high monthly rates of insuring them This seems like deliberate discrimination to teens. What do you think?

How to get dirt cheap Car & Medical Insurance ??

Looking for a CAR with in $ 500, Car Insurance & Medical Insurance for 1 Male of 31 years, 1 Female of 26 years & a Child of 2 years. Should cover Medical. Vision & Dental not reqired. Looking for real dirt cheap insurance for Car, Family""

Insurance!?

We are in the process buying a home and we ARE going to get homeowners insurance but I was just wondering if they make you get it? Also I was wondering if anybody knows if I live on a flood plain if i HAVE to get flood insurance too? THANK YOU!

How much would insurance cost me on a v6 camaro?

it is a 1988 camaro and i would just have the cheapest coverage and i am 16 any ideas on how much it would cost me?

Temporary car insurance only 18?

Just wondering if anyone knows where i could get 1 months car insurance but i'm only 18? Cheers

Motorbike cheaper than car insurance?

Is motorbike insurance for learer motorcycle 125cc, significantly cheaper than car insurance for a small city car, for a young man?""

""Does car insurance go down when you move to a different state, if so how do i lower mine? (see details)?""

I used to live in LA and my car insurance was 46.00. Well, I went to progressive and did a quote with my new address which is in TX and my car insurance quote is for 26.00. How do i go about getting these new rates since I no longer live in Louisiana.""

What is my insurance going to pay if ?

If I have my house insured for 100,000 and it is worth 85,000,what will my insurance company pay for my total loss if such a thing happened?Am I paying too much trying to be too careful by overinsuring my house?Thanks for any info.""

How much should i plan on spending on my car insurance for a 3rd offense DWI? Please refrain from ridicule...?

I know i will have to get an Interlock device which ranges from $50-$100 a month. i am wondering how much I will be paying monthly for car insurance. Liability only. And if anyone happens to know, what company do you think will offer the best pricing? Thank you for your understanding...""

Will Insurance goes up when I change my car motor?

i am trying to buy a car. but some cars are cheap when they changed out their motors. how much will the insurance go up if the motor is changed. and how much will the insurance go up if the car is modified?

Purchasing car insurance?

I want to find an online quote to see how much I may be paying for future auto insurance. But some sites ask for vehicle information. I haven't bought the car yet. But don't you need proof of insurance in order to purchase a car? I'm confused. How do I go about this?

What is car insurance?

Just car insurance definition not more other else. It's for my own mind calculation.

What is a good affordable health insurance?

That is no more than $120 monthly. Thanks in advanced

Can you get life insurance on a non-relative?

I am legally still considered a minor child, although I am 16. My parents are divorced and I live with my Mom in Georgia. My natural father is dying of cancer, and lives in Illinois. Is it possible to get a life insurance policy with me as the benefactor even if me and my father live in 2 different states? Technically my Mom & Dad are divorced and she would not be able to get a life insurance on him on her own, as she is a non-relative. But I am his only son, so couldn't I get one on him? Even though by law children cannot legally engage in any sort of contract.""

Does car insurance really go down when you get married?

I have heard that insurance goes down once you get married. Is this true? If it is, how much? Is it significan't? Do you have to be married before you turn 25 for this to apply? I have heard so many conflicting answers. Help??..""

18-yr-old driver, new liscence, needs insurance?

In the suburbs of Dallas, Texas. I know that a major company won't take a new driver on as first-time insurance, or the rates would be really high, so what's the best suggestions? Thanks!

https://www.linkedin.com/pulse/my-daughter-gave-permission-unlicensed-driver-drive-car-eric-lewis"

[fadingpersoncollectorstuff-blog]

Teen car insurance help help?

"Teen car insurance help help?

I am 18 years old and on my fathers state farm policy my mother has her own house and policy if I have car insurance under him can I be covered to drive her cars. she has geico

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

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Vehicle Insurance Survey4?

11) Please mention your agreement level with the following statements 1) Strongly disagree 2) Disagree 3) Neutral 4) Agree 5) Strongly Agree Statements 1 2 3 4 5 My insurance company settle claims faster as per my expectation My company introduces different product to my requirement My insurance company does not settle claims as per my expectation 12) Please mention the level of satisfaction with the following features offered by current insurance company. Criteria Highly Dissatisfied Dissatisfied Neutral Satisfied Highly Satisfied Cost Brand Referral Hassles free claims Bonus rate Ease of purchase Return fee Professional advice Linked with another product Choice of selecting your own service centre 13) How many years you have been using your vehicle (i) Less than 2 YEARS [ ] (ii) 2-5 YEARS [ ] (iii) 5-10 YEARS [ ] (iv) MORE THAN 10 YEARS [ ] Please fill Vehicle Insurance Survey5

Will my car insurance represent me in getting claim from other person's car insurance company?

Wife got in accident with teenage girls that was at fault. Other driver had insurance, and I'm dealing with them, but because they say my car is totalled as its older and not worth a lot, they offered me some money, but when I go to buy a similar car online, I see I'm short a few thousand. They are being a bit difficult and have my car at a lot ( I know mistake but they said they only were going to look at it, now its gone). I don't have a lot of pull but will complain as much as I possibly can - was on phone for nearly hour today. Question: Do you think that my insurance company will help me get money from the other insurance company of the at-fault party? I have not contacted them yet.""

Car accident/insurance.?

Okay, three days ago I got into a car accident, I drive an SUV and the other party drives a Toyota Camry. Save for a few scratches on the bumper, my car is fine, the other woman on the other hand says she can't open her door and the front right light and part of the bumper is damaged. I told her I would cover the damages if we could keep this from the insurance companies. She agreed, but is now saying she is in pain . No one called the cops and she was at fault, I CAN NOT afford to have an accident on my rec as I'm only 18, what to do? I said I'd pay as my car is fine and as a thanks for staying mum. Now shes called her insurance company and claims she got an estimate of $3,600 for the car and medical.""

""After a car is stolen, how long does it take for the insurance company to make a payment to me?""

I had full covrage, they didn't even off me a rental car, due to the police report.So now I'm just playing the waiting game for my settlement.But for future reference,who do you all recomend for good insurance coverage,without alot of bull up their sleeve?""

Individual health insurance with fibromyalgia?

I have fibromyalgia, was diagnosed years ago. I have not had insurance for about half of that time. Does anyone know how to find affordable individual health insurance with a preexsisting condition? I have foun d plenty of plans that will cover me eventually but I cannot afford to pay the insurance premium and my doctors visits and prescriptions while I wait six mths to a year to get covered. Please do NOT suggest e-surance, they do not have affordable plans that cover pre-exsisting.""

I wanted to know how comes my insurance is so cheap now but when i did it 7 moths ago it was 2800?

so 7 months ago i got my insurance third party fire and theft with 2 additional drivers me as first driver and i am 20 for 2800,, and now i checked with the same details i did last time i didnt put down any experience or anything did it same exactly as last time and its about 1950 now ??? wth did i get ripped off? car is a vuaxhall corsa 2000 model""

Do insurance companies insure themselves?

My wife and I were wondering this this morning. If an insurance office is broken in to/has a fire/etc, do they cover themselves?""

Affordable dental insurance for dream act kids?

So, my girlfriend is a dream act student who will be going to university next year. recently she had a huge tooth ache and she found out that she had to get a root canal. She had a cavity for over a year because her divorced parents both refused to pay the fee -_-, they kept saying that the other should have to pay, and now a year later its so bad that she has to get a root canal. Root canals are freaken expensive and her parents are probably not going to want to pay for that, so my question is: are there any sort of affordable dental insurance for students on the Dream Act, keep in mind they don't have much money. would any government programs cover her as a dream act student? please give me any information that could help her with getting some sort of insurance. It's like this with her parents for anything that has to do with health care, -_- neither of them ever want to pay.""

Where can I find cheap health insurance?

My wife is epileptic and health insurance is difficult to find for her due to her pre-existing condition anyone know what I can find.?

Can my ex-wife insure our kids through her husbands insurance?

My ex-wife is required to carry our kids insurance. She switched jobs and is now insuring kids under her husband. My only concern is, if he decides to leave her or gets pissed off he can drop my kids from insurance. Since he is not legally obligated to insure them. He is not adopting them. He is not legally bound to take care of them. Is my concern valid?""

How much do you pay a month for car insurance...?

I pay $112.

What car gives the cheapest insurance for a first time driver??

What car gives the cheapest insurance for a first time driver??

What are some of cheapest but decent cars to run ( I am 17 years of age)?

insurance? MOT? petrol litre? = cost?

Looking for good company to buy term life insurance?

My husband and I recently purchased a home and have a baby on the way. We are desperately searching for a solid insurance company to purchase a 20yr level term life policy. I have gotten a quote from an independent insurance agent that suggested for Primerica at $95/mo (for both of us with a disability waiver rider) (note: agent is family member), one from SelectQuote for Banner Life (never heard of them) at $64.97/mo for same coverage and waiver, and one from another insurance finder for ING at $72.70. ING has had a good rating but I think they have just been demoted slightly from AM Best and S&P. Any info I find online for customer reviews are all negative for every company I look at (not a single positive review for any). I'm not quite sure how these rates vary so widely. I would rather spend a couple extra dollars a month for peace of mind but I am truly at a loss of what to do. Can anyone make any suggestions or recommendations for a company to go with or look into? Thanks.""

""What type of Life Insurance is best for my husband and I? (We just purchased a home, we are both 23 years old)""

My husband and I are both 23 years old and we just purchased a home. We have been under pressure from our Insurance Agent and our Mortgage broker to obtain Life Insurance in case something happens to one of us. We would like to have coverage in case something happens. I know the importance of Life Insurance, as my mom was killed in a car accident when she was only 38. So, we want to be protected, and we want our house to be safe. We are pretty much clueless when it comes to Insurance policies. I ALREADY LOOKED UP THE INFO ON WIKIPEDIA, SO PLEASE DON'T GIVE ME MORE OF THAT. I want opinions on what the best kind of Life Insurance is for us. Term (but if it is a 30 year term, does that mean when we are for example 54 and something happens after the 30 years, we aren't covered???) or Permanant (whole life, and others). We didn't like the decreasing term policy our agent showed us. We have gotten 2 quotes for Term Life. Help us make an informed decision!!! Please!""

How can i apply for health insurance in california?

is there a website where i can apply online? please help!

How do I get 1 day car insurance in virginia?

Someone is giving me a car I am picking up in newark and I need one day insurance to drive it back because i dont have money right now since my job doesnt start til 2 weeks from now and its my first job since my car accident 2 months ago. I tried calling elephant because I thought they had 1 day insurance but they keep transferring me to a place that says they dont have it. I dont know who to call

My car insurance rate is ridicules. why?

Im currently insured with Geico. I got my plan back last year when i had a beater car (2001 nissan maxima). My premium was only 260 or so for the whole year, whiche came out to 40 bucks or so a month. ive since bought a new car (2013 nissan versa) and switched it with my old car. my monthly payment only went up 4 or 5 bucks as a result. This rate is fricking great and i have no problems. however, when i go to refinance (for lack of a better word) my insurance or simply shop around, for some reason the quotes they give me skyrockets my payments to 260+ a month!! the same is for other insurance providers aswell, even the insurance offered by my bank! what gives? why the huge leap? i have a clean record (no accidents ever, last speeding ticket was 4+ years ago), what was at the time, a brand new car, aswell as a better job (was working in a restaurant, now at a lawfirm). Sure, ive moved since i first got the policy, into a poorer neighboor hood, but does it really warrant a 200 dollar increase? Someone please help me wrap my head around this. im 21 and am still pretty clueless when it comes to this sort of thing""

What kind of car insurance do I need?

All I want is liability, but what does the state of California require as their bare minimum? Do I need uninsured motorist bodily injury limits and property damage limit? I drive a 1993 Jeep Cherokee.""

Insurance stuff?

I have a first insurance right now, and medicaid as a second insurance. My husband still has a job but his contract is being taken over by another company, will medicaid cover the bills until i get his new insurance started?""

Who pays? Auto or Health Insurance?

I was rear-ended and suffer with neck/back pain. Had hospital, ambulance and doctor's bills that my HEALTH insurance paid minus my co-pay with no questions (<$1,500. minor accident). Her AUTO insurance company has paid me a settlement that includes payment for my medical bills. I'm in Texas. (1) Will HEALTH ins. want to be re-paid? Meaning, is HEALTH primary or AUTO primary? (2) Can/Should I also file this on my PIP auto policy? Is TEXAS a state that allows double-dipping?""

How to get a lucrative income in health insurance?

does anyone do health insurance sales and what is the best way to excel at this profession

Is it possible to get affordable life insurance and dental insurance if i am not employed?

.........and if so, roughly how much money would this cost per month?""

How much would car insurance be for a 16 year old with a 1999 ford mustang cobra?

It has a ton of mods and yes I am looking at fast cars because ive been around them all my life. and dont be that guy that says get a honda. Thanks

What good are healthcare insurance brokers?

I called one two weeks ago & he was going to email me different quotes. He never bothered to, and so I called him & asked where they were. He said he forgot. Meanwhile I called another health care insurance broker & she too sent me some quotes. I attempted on line to apply for one, but there was a problem with the form allowing me to go further. I not only called the broker like she said I could if there was a problem, but I also emailed her about the problem. She didn't return my phone call, and as of yet has answered my email. It seems to me they must not want to make a commission, so is it just best to contact the health insurance companies on their own? In the past a broker was able to tell me if I would qualify if there would be a mark up above standard rates. Now they say just apply on line and see what happens. Everything has to be on line which always obviously doesn't work. So, what good are health insurance brokers? They need to just do away with them if they aren't going to work.""

Teen car insurance help help?

I am 18 years old and on my fathers state farm policy my mother has her own house and policy if I have car insurance under him can I be covered to drive her cars. she has geico

125CC bike insurance for 17 year old?

I will be able to learn to drive nxt year, i have ruled out buying a car, as the incredably high insurance cost would force me to sell of most of my vital organs. I think i could afford a bike, but how bad would the insurance for that be????? pls give me some kinda rough amount plsplspls thx""

Car insurance for older people?

im trying to renew my grandads car insurance,(hes 81) and looking for a cheap company that can beat his current price of 537pounds a year. thank you for any sugestions""

What is the difference between Investment life Insurance and Life risk insurance?

What are the products included under the category Investment life Insurance and Life risk insurance?

What would insurance cost for a 16 year old male with 08 Honda Accord LX-S coupe/ 2dr?

Hi, I am a 16 year old male and I might be getting a 08 Honda Accord LX-S coupe. But I want to know how much it would be to insure the car. I know that it is not classified as a sports car. I'm not sure if I am getting it so I just want to know. I have a clean driving record with no accidents (i just got my license). Thanks!""

Anyone know part time jobs that give health insurance?

i know starbucks does but i was wondering if there were any others...

Car insurance / liability coverage?

My brother, who is insured with a different company, had an accident with my car. There were 3 cars involved in the accident. He hit the first car in the back which hit the second car and so forth. I don't know whether it was his fault or not, and we did not informed my brother's insurance because it was my car that was crash. The problem now is that, I have only had basic coverage, and my insurance is telling me that my liability coverage ($5000) can cover only one car, meaning that I have to take care of the 2 others cars. So I am wandering what should I do? Please advice""

Will these cars cost more to insure?

So im looking to buy my first car. The deal is I pay for the car, my parents cover the insurance, but they wont let me get a SUV or sporty car because then they have to pay more. I was looking at a Toyota Celica or Hyundia Tiburon (I kinda want a coupe so my friends wont be bumming rides all the time because ill be the only one with a car). Is this true? I mean, even the 4-cylinder 2.0L automatic models? Will these models still be considered a sports car even with the wimpy specs or were my parents mistaken? I was also looking at a Chevy Cobalt LS coupe, which is pretty much the same as the others, and my dad said it was cheaper to insure?""

""How much should an average home insurance policy cost, for a 3 family home in Queens, NY?""

What coverage is mandatory, what is not but recommended? Thank you for your input. Also if you can suggest an insurance broker that would be really helpful""

Motorcycle Insurance cost??

Hey guys! My husband wants to get a kawasaki vulcan 900 for his first bike but when he called our insurance provider for our cars they weren't there but I was just wondering if anyone could give us a ballpark of how much it might cost every 6months or year. He would be the only driver and he is 25 with no marks on his record. We also live in the south if that changes anything.

Best and cheap major health insurance?

Best and cheap major health insurance?

Insurance agents - Life insurance commissions?

Hello everybody, I am hoping to find life insurance agents working with different companies. my question is what is the commission I can accept to receive from different publicly traded companies what offere not only auto, home and others but also life and disability?? I am currently working with Mutual Company and I am a captive agent and only receive 35-55% commission on any life insurance produce i sell and it seems like it was important for me before to work for a mutual company and never was conserned about low commission, but I am also getting invoved with Auto and home insurances and i am hearing that these public companies offer higher commission and let me tell you now days I want to get higher commission becuase the industry has slowed down for me and I am interested to make the most out of what I do right now... any information about commissions with different companies would be appreciated.... I am open to any advise, suggestion, information, and comments.... thank you all""

Can I lose my job for not having insurance?

I have heard so many different things. But I called my job today and I found out that they are offering insurance but it is to high to buy for me because it would cost $30 per week. ...show more

Cheapest car insurance?

I'm 21 and I'll be getting a new car in a week or so. I've been in a few accidents (mostly little fender-benders that we didn't claim on the insurance) but about a month ago I flipped my car. I'm wondering what kind of car will be the cheapest to insure? What kind of coverage should I get? And what insurance companies should I look into?

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's the best auto insurance you can get for a female under 25?

I had Liberty Mutual. I got a low premium because of my parents but when the taxes went up they totally jacked up my premium. Plus their customer service is TERRIBLE and they're grimy. So then I went to Progressive - One lady helped me get my policy, then I called them for another reason and another rep. said I didn't even get the best quote I could've gotten. I'm kind done with these brand name insurance companies. I was looking into one called Elephant insurance but I'm not sure if it's actually any good. Does anyone know anything about them? Is there any other company I can try? I'm 20, I turn 21 next month. I've never had an accident. And I don't know what my credit score is or if I even have one yet (I'm working on it.)""

A recommended affordable life insurance company?

Wanting to plan ahead for my family's sake in the event that something ever happened to me and was wondering if anyone can recommend a reputable and affordable life ins company. I am a 41 yr old male with a wife 36yrs and a 3 yr old son. Much appreciated,,,thanks for any input.""

Car Insurance question?

So I'm going out of town for a couple nights with my mom and sister. My mom owns the car we're taking and she's insured under it... but we're wondering if my sister can get a temporary insurance policy for this car so that she could do some of the driving on our trip. My sister has her G license.

What do I look for when buying car insurance?

I had car insurance with my parents for a while and I want to get my own. Im not sure what to look for and what companies are the best. Please help. thanks.

""How much is PPD rating schedule for %13 lumbar spine discs and knees, If my insurance company was putting me?

on Permanent Disability and my company Laid me out because of my limitation of to work? How much the insurance company has to pay me for my injury and disability?

Car insurance tricks to make it cheaper?

Im getting a car but my insurance is going to be 8000 is there any tricks to make it cheaper? my friend told me to use Learner Driver Insurance and use it for a year and it will cost me 1000 pounds should I do this or not?

My car insurance is $96.00 a month and I have a 17 year old son that needs to be put on my insurance?

How much do you think it will be after I add him?

How can I get affordable health insurance because of obama care?

I work but i have 2 kids to support and I Make Minimum Wage.. plus rent and bills.. Does anyone have any suggestions about how i could possibly get health care or what will happen if I just simply cant afford it? And no smart *** remarks like get a better paying job. Jobs are hard to find where I Live and i am making it with what i have. But obama forcing us to have health insurance is making me wonder what Options i have. Medicare? or some kind of afforable health insurance? would love to hear people who are in the same boat i am. and any POSITIVE Suggestion would be helpful. Thanks

""If i was to buy a car to give to my girlfriend, can she get her own insurance policy?

Trying to buy my girlfriend a cheap little car. If I buy it and all paper work can she call and get her own policy insurance? Some reason I developed the thought that insurance has match name on title.

Does it cost more to insure an Automatic than a Manual?

I have a friend who recently passed her test. Stupidly she learnt in an automatic so she can only drive autos now. So the question is, are automatics more expensive to insure or is there not much difference? This is UK insurance by the way. I dont want to know about American car insurance as the prices might be different. Cheeers!""

Car insurance?

suppose someone is paying $700 a year for liability car insurance and gets a speeding ticket. how much higher can this persons insurance go up?

Teen car insurance help help?

I am 18 years old and on my fathers state farm policy my mother has her own house and policy if I have car insurance under him can I be covered to drive her cars. she has geico

What is the best affordable Health Insurance in Las Vegas I'm 24 and don't have any medical conditions ?

What is the best affordable Health Insurance in Las Vegas I'm 24 and don't have any medical conditions ?

Premium vs deductible? Health Insurance?

I'm really confused by everything having to deal with Health Insurance. I know a deductible is what you pay before the insurance company pays the rest. But what is the premium? And are these two related?? Please Help.

American health insurance question?

So, whats stopping people from not getting health insurance and paying the $95 fine, but when they get sick and need insurance. They go and get insurance because they can't be denied for pre existing conditions?""

Cheapest auto insurance in CA?

Cheapest auto insurance in CA?

Car insurance in New York

I am a new driver i just got my license. I need to get car insurance on my ride. How much will it cost for a new driver? How quick of time can I get it? How much will it cosh me monthly? Spec about insurance please. thanks for your time

Do I need motorcycle insurance to ride off a bike at the dealership?

I meant proof of insurance while the bike (motorcycle) is paid in cash in the city of Milwaukee, state of Wisconsin?""

Does production company need insurance?

One of my biggest concerns when starting a production company that would specialize in small time video making for buisnesses and there services for marketing and commercials possibly who knows would be INSURANCE would I need liability insurance or is it illegal to just not have that or is it for piece of mind.So say if my production business shoots a restaurant and there services and then shoot some motor cross business where they advertise there atvs and vehicles etc.If the answer is yes then what if I use my own stunt riders? is liability insurance a law to have? I'm in the TEXAS

What states don't require auto insurance?

As a young driver auto insurance is way to expensive. Since I drive a Mercedes most quote me at thousands of dollars a year. More than what I can afford. I know some states don't require car insurance if you can prove you have the financial means to pay out if you cause an accident. I need a list of those states that don't require auto insurance if you can prove you can afford to pay out. On top of this question how do I prove I can afford it. Do I need to keep a minimum amount of money in a bank account or do I have to buy a bond how does it work. And if it works with a bond or bank account please list the states with the minimum $ you need in bonds or account money. The reason Im asking is that I can easily get a minimum amount in my account (hopefully under $10,000) because id rather have $10,000 sitting in a bank I cant use than having to pay thousands a year for insurance I don't need. I been driving for 3 years and I never had an accident and im confident I never will (at least not one that's my fault) so I don't wanna waste thousands of dollars I need for my school. The reason Im asking is cause im looking for a state that suits me. So far Vermont and new Hampshire have laws to my liking but hopefully you guys can give me more possibilities by answering this question. Thanks""

Is it true that ObamaCare forces people to buy health insurance?

If not, risk going to jail and face a fine.""

""How much would it cost me if i got my car towed in Trenton, NJ for driving w/o insurance?""

How much would it cost me if i got my car towed in Trenton, NJ for driving w/o insurance?""

How much is home-based insurance?

I am thinking of making money with waxing. I was just wondering how much it would cost me to pay insurance for myself, I am thinking I just need errors and omissions (i.e. liability in case a client decides to sue me). FYI I live in Canada. Thanks!""

Aurora Auto Insurance?

Where can I get auto insurance in Aurora? What do you recommend? I bought a car recently and I'd like to find a cheap way to insure it.

Cheapest auto insurance company?

Cheapest auto insurance company?

""Classic Car Insurance for Young Drivers, Help.?""

In the UK how old does a car have to be before it comes under classic car insurance also how cheap is classic car insurance? I'll be 19 when I come to buying a car and was looking at cheap insurance, will have been driving for 1 year, I will have no, No claims bonus' If it's cheaper than smaller newer cars, What classic car would be worth looking at? How old does the car have to be before it's classed as a 'Classic' Make your you answer relates to UK rules/laws and what ever else USA rules/laws mean nothing to me and won't help.""

What is the difference between Investment life Insurance and Life risk insurance?

What are the products included under the category Investment life Insurance and Life risk insurance?

I want to get a nissan 350z and i just wanted to know for those who have one how much is insurance average cos

I want to get a nissan 350z and i just wanted to know for those who have one how much is insurance average cos

Temporary Car Insurance on my Mums car?

Hi, Is it possible to get temporary car insurance on my mums car, even for just a day or two on her current policy, or is it even possible to get temporary comprehensive cover with another car insurance company on her car while she is still on her own policy? Thanks, Boss1996""

How much does your motorcycle insurance cost?

Also say your gender, state, age, etc. P.S how much would it cost for a 18 year old male in NYC with a 600cc engine? ninja..""

How come I went on geico for an insurance quote and it said 2000 and people say their's is 75 bucks per year?

Im 18, NY, Kawasaki ZZR600, taken riders safety course, any way to lower my insurance?""

Is there an insurance company who will insure a Dutch car?

I have just moved back to England after spending 11 years in Holland and i have a very nice car which i dont want to sell. I have changed my Dutch driving license to english and would like to know if there is an insurance company who will insure my dutch registered car. If so i can then make an appointment to have the headlights changed. Thanks for your time. Sue.

Car Insurance in CA with AZ vehicle?

Ok so I have a multi part question. My dad is about to get his car reposed. He lives in Phoenix AZ and obviously bought the car there. Its not under his name yet cause hes still paying for it. So he wants me to take over the payments and give me the car. I live in Los Angeles. So my question is, can I get insurance here in Cali even though its a AZ car and its still under the peoples name? If not, he can get insurance there. Also, isn't there a period of time an out of state car can be here being out off state still? What should I do? I don't want to get all sorts of fines or tickets. Thanks in advance""

Do I need auto insurance in this case (I live in Texas)?

I'm looking a the Texas Minimum liability insurance requirements. They have a 30/60/25 policy. $30,000 & $60,000 policy for 1 and two people's medical, and $25,000 for property damage. Well I was interested in investing some money, and I'm absolutely SICK at the interest rates given at any bank or credit union. The best around here is .75% which STINKS! So I was curious if there is any type of insurance surety account. Basically, could I put $85,000 (which would cover 1 or two people's medical, and $25k in property damage into an account that I can't touch? Is there anything like this where I could prove financial responsibility , through a surety account of some type and gain my own insurance card this way? The way I see it, my insurance is currently around $800 a year for liability here. For my $85k investment into a binding surety or insuring account I could save $800 a year. That's like drawing nearly 10% interest in savings!!! LOL! I just wonder if anything like that exists? I mean they call it financial responsibility .... It's not called insurance by law.""

Will this cover my insurance too...?

hi i have a full coverage on my car that also has rental coverage... now, my friend rented a car with insurance...i was not a registered driver of that car.... but then if i drive it and gets into accident,will my personal car insurance still covers it?""

I need insurance on a car I just bought what should I tell the insurance company I am using it for?

I am planning on using it for all 3 options so I am wondering what one will cost the least. The options are Commute, Business, and Pleasure.""

""How to apply for Louisiana Children's Health Insurance Program, LACHIP?""

Are you looking for a low cost health insurance program for your children? Do you live in Louisiana? Well, I just recently found a program called LACHIP that offers affordable healthcare coverage for children. Step1 I'm a stay at home mom, and for awhile my child was getting sick all the time. Our insurance was good but, it didn't cover everything. Then suddenly, my boss told me that she was cutting my hours. I frantically started seeking healthcare insurance that was affordable but, would cover everything we needed. That's when I found a program called LACHIP. Basically, LACHIP is a no-cost or low-cost medicaid health insurance program for children. Step2 First thing, you need to find out if you qualify for the program. The program is basic on income. To find out the income guidelines, contact your medicaid office. They will also give you an application to fill out. To find out your medicaid office contact information, go to: http://www.dhh.state.la.us/offices/contacts.asp?ID=119 Step3 Finally, when you get the application in the mail, fill it out and return it back to the office. Now when I filled mine out, I did not have to put a stamp on the envelope because it was already pre-paid. Then within about a week, someone from the medicaid office will call you and tell you if you are approved or not. If you are approved, then you will receive a medicaid card in the mail for your child(ren) within 6 weeks. Once you receive it, you use the card anywhere medicaid is accepted. Also, don't forget to ask your medicaid representative to include a list of things that medicaid covers. For more how to articles, please visit http://www.ehow.com/members/kleighwickham.html?view=3rd""

Teen car insurance help help?

I am 18 years old and on my fathers state farm policy my mother has her own house and policy if I have car insurance under him can I be covered to drive her cars. she has geico

Will my husband's car insurance cover the cost of the damaged car?

I was driving my husband's car (in the UK) which is insured in his name. He also put my name in the insurance agreement that I have permission to drive his car etc. However, I do not have a driving licence but my husband does of course. I got into a serious car accident and my husband's car is completely ruined. The police took information and saw that I was driving the car. Will my husband's car be covered by his insurance or will they reject it because I was driving it? He has fully comprehensive car insurance. Thanks.""

""I am finally getting my own insurance policy, but what is pip insurance?""

I am trying to get a quote from geico and they are asking me to select a type of PIP insurance. Which should I choose? I just moved out of the house, so I don't have a lot of money. PIP full pip primary PIP full health primary PIP med only PIP primary PIP med only health primary""

About how much is car insurance in Japan?

Wondering for future reference when I work there as an ALT in 2 years. I already have a drivers license here in the US and I know its good for 1 year in Japan then must be switched before the year is up (not sure if it'll cost anything to switch)... So about how much is insurance and is it necessary to have by law? I'll be 22, drove for 4 years. Thanks!!!""

""Car insurance, does it look bad to pay monthly?""

Car insurance companies can check your credit, so your financial stability must be important to them. A guess. So, does it look better if you pay them monthly or every 6 months? Paying every 6 months (or yearly if they let you) would show you are financially better (you have some savings). Do you think it really matters at all? At all?""

Car Insurance when selling Car?

Ok the situation is as follows: I am selling my car for a new one. I have asked my current insurer to transfer my policy to the new car which is fine. However I then questioned about temporarily insuring my old car under the policy and they wanted a ridiculous amount of money for a week - I also do not know how long it will take to sell the car. I questioned the amount and asked what customers generally do when they wish to keep an old car insured. I was told that I could drive my old car on a 3rd party basis as my policy going forward covers me fully comprehensive. I thought fantastic - but then I was shocked when I was told that if I drive the car it is insured 3rd party only but as soon as I park it up somewhere it is uninsured and could be towed away by the police. I have since read my policy document which claim that I can drive any other car 3rd party providing I do not own the car and that there is already insurance in place? Can anyone clarify the above or provide advice. I am so confused and unfortunately are unable to call my insurer back now or over the next couple days? Thanks in advance

Rental car insurance -- what does it cover?

We are going to Vegas in a few days and are renting a car. Since this car is going to be in and out of parking garages, I think it's a good idea to buy the rental car insurance @ $ 10.99 a day. Say while the car is in the parking garage and someone scratches or dings the door, would this insurance cover it? That's all I'm really worried about.""

Looking for health insurance?

I'm a 23 year old male bartender that has recently graduated from school and thus has been recently dropped from my parents' insurance plan. All I really need is a good ...show more

American Health Care/Insurance before PPACA - Sources?

I'm looking for credible, preferably unbiased sources describing American health care and insurance before the Patient Protection and Affordable Care Act (Public Law 111-148) and the Health Care and Education Reconciliation Act of 2010 (Public Law 111-152). Any suggestions would be appreciated. Thank you!""

WHAT IS AN INSURANCE PREMIUM?

My partner did my insurance online without knowing i had an endorsement on the licence so when i add this to the existing policy does that mean my insurance policy goes up ...and what is my insurance premium ???

""How much taxes will be taken out of $250,000 life insurance?

I am getting a life insurance policy pay out. Does anyone know how much taxes will be taken out?

Is it true you get a car insurance break when you turn 25 years old?

I haven't seen anything official, and I suppose I can ask my agent. But I was curious if anybody else has received any sort of rate change when they turned 25. Does it depend on the insurance company?""

How much do you think my motorcycle insurance will be?

I am getting the CBR125R 2009 HONDA! It's going to be black. I'm a 16 year old girl, and the bike costs $3,599.00 . How much do you think my insurance will be? All together what will it possibly total up to? Thank you!""

Maternity Insurance...Anyone have it?

My husband and I are trying for another baby. And most insurance companies in TN say you have to wait 9 months for the insurance to take effect. So is there any insurance out there that will help without having a time limit and not Tenncare or WIC. We will not qualify for that due to our income.

What kind of insurance do I get and how do I go about getting it?

I'm a 19 year old female, working full time (and no my work doesn't offer health insurance). I'm still part of my mom's MediCal but I want to have better health care. And I just feel kinda clueless about the whole situation. If anyone can help that would be appreciated. Thanks.""

Does your car insurance go up if you get a parking ticket?

I was just being dumb today and I parked in a neighborhood where you can't park. I accept the fact that I was in the wrong and all that. The fine is $80. What I'm most concerned with is whether or not it will increase my car insurance rate. My first thought was no, because it was a parking violation, not a driving violation. But considering how crazy car insurance companies are, I just am not sure. Any help? Thanks in advance.""

How much would car insurance be...?

My Bf and I are going to be moving in together within the next year, we are going to have only one care, (i think) and possibly two within the next 2 or 3 years. We'll be living in North Carolina. I just need an estimate as too how much car insurance for us would be? Thanks!""

Is eCar a reliable car insurance?

I need a cheap car insurance, and I heard eCar is really cheap.. but I don't know if it's reliable or not!!!!?? Please help!!""

Life insurance for young couples...?

I've been searching online for a very cheap life insurance For me and my husband.. But no luck.. We live in NY. Can any send me a link Are just tell me about any u may know?.. Thanks a lot. Am 28yrs and he is 37yrs. Thanks in advance..

Is this coverd by allstate car insurance?

I am wondering if this is covered by all state car insurance? My boyfriend has been letting our friend without a license drive a car that is owned by my boyfriend, and is insured by my boyfriend, and my boyfriend has said that allstate covers all drivers that drive our cars. But his friend doesn't have a license! I was wondering if this is true, or if we're setting ourselves up for big financial problems if this friend get's in a car accident?""

Where can I find affordable car insurance in PA for college students?

I will be learning to drive pretty soon and I want to know the cheapest and affordable car insurance out there for students.

What is some cheap medical insurance?

I am 18 and I live in alabama and I really need to know what some good cheap medical insurance any suggestions?

Health insurance deductible?

Okay, so I don't fully understand how insurance works and I can't seem to get an answer to my question. My health insurance deductible, do I get it back? As in after exhausting it through appointments/hospital visits/ect. Do my monthly payments go back towards that? Is it gone for good? I haven't even been able to get someone from the company on the phone to answer me!! Please help. Thank you!""

How much should a 76 year old pay for liability insurance to drive a 17 year old/as good as new car?

I average about 1,400 miles a year.""

What are some good first cars with low insurance rates?

preferably a SUV. Kind of like a blazer or something like that. Definitely under $1000. Does anyone know where online or around the york, PA area a car like that would be?""

How much do you think my car insurance would cost?

I'm turning 18 in March and will be getting a car on my 18th birthday. I don't know what type of cr I'll be getting but I'll make sure it has good MPG. I'll be using my car for storm chasing. Do you think I'll get a discount since I'm helping the National Weather Service issue watches and warnings by storm chasing? What's the average cost of car insurance for my age group in Manatee county, FL? Sources?""

Teen car insurance help help?

I am 18 years old and on my fathers state farm policy my mother has her own house and policy if I have car insurance under him can I be covered to drive her cars. she has geico

https://www.linkedin.com/pulse/got-speeding-ticket-how-can-i-make-sure-my-insurance-doesnt-ames"

[symbianosgames]

The following blog post, unless otherwise noted, was written by a member of Gamasutra’s community. The thoughts and opinions expressed are those of the writer and not Gamasutra or its parent company.

Reposted from the Award Winning* Thimbleweed Park Dev Blog. *Awards TBD.

During last week's Thimbleweed Park podcast, I asked Gary and David what scares them the most about the project. I find this a useful exercise to do with the team to see what they are worried about. The answer always changes as the project progresses and new worries come and go.

The common theme from the three of us was the amount of work there is to do. It's daunting. But as I've said several times on this blog, that's normal. I've never not been daunted by the amount of work facing me on any game I've done. If you're not daunted by the amount of work, there's probably something wrong and you need to be pushing harder. Be daunted and push yourself right up to the point of being overwhelmed.

During the podcast I mentioned my concern about money and seeing the bank account go down each month. This was somehow turned into "we're running out of money", which is far from the truth. I am worried about money, anyone running a project should be.

The thing is: I worry about things so they don't become problems, and worrying about money is one of those things. If we didn't worry about money everyday, we would run out of money. It sneaks up on you.

Seeing $500,000 in your bank account can make you cocky. It can seem like an endless supply of cash and more money than most people (including me) have ever seen in their bank account. But you have to treat that $500,000 like it's $5,000 or even $500. Every dollar matters.

It's why I like to have a budget.

It is one of the advantages of having a publisher, they will poke your budget full of holes and challenge your assumptions. The downside is, they will also push your budget down and it's not uncommon for developers to then fake the budget so they get the deal (which their studio is often dependent on to stay alive). It's not malicious, they (and I have done this as well) just convince themselves they can make it for less, and that's often not true.

I want to know where every dollar is being spent from here until the end of the project. You start putting line items into the budget and you instantly see your money starting vanish. A few line items later and you're out of money. It's sobering and a necessary process. It really makes you appreciate spending anything.

We had budgets back at Lucasfilm, but we were very isolated from the gory ramifications of those numbers. I could make a budget and if I went over by 20%, I might get a stern talking to, but it's not like people weren't going to be paid. When you're running your own company and project with your own money and you run out, people don't get paid and they don't like that. In the real world, they stop working.

I do a first pass budget before I start designing. I often know how much money I have and I want to see how many people and how long I have before that money is gone. If I know I have 15 months and can afford 5 people, then that helps me in scoping the design. If I have 24 months and can have 100 people, that's another scope.

Once I've done the preliminary budget, we'll start designing and then enter pre-production, all the while, adjusting the budget as I know more.  When pre-production is done, we can look at the amount of work and do a final budget based on the schedule. Budget and Schedule are two different things that feed into and help refine each other. You can't do one without the other, but they aren't the same thing.

A schedule lists everything you have to make and who is going to make it and when. A budget takes all those people and how much they cost and tells you what the project is going to cost.

Below is the current budget for Thimbleweed Park.  It's what I like to call a living budget. You'll notice that the first monthly column is October, not the beginning of the project. Money spent is "water under the bridge" and is only relevant for historical and educational reasons. What I want to focus my attention on is how much we have and how much we need to spend going forward.

Anyone who has a real background in accounting is probably having spasm right now. There are much better ways to do this, but I'm not an accountant and neither are most indie devs. This is a much simplified way of budgeting and it works for me.

Each month I look at what we spend versus what we expect to spend then make any adjustments to future costs. I then remove the current month column, look at the projected total and the bank balance. If there is more in the bank then we're projected to spend, then we're OK, back to programming and designing.

Let's go through the budget.

First up are the people. Gary and I are working for peanuts (honey roasted). Neither of us can afford to work for free for 18 months and we're making about a quarter of what we could get with "real jobs" but we do need to eat and pay rent.

Everyone else is working below what they could get, but I do think it's important to pay people. I don't feel getting people to work for free ever works out and usually ends badly (and friendships) or you "get what you pay for." The reality is that when someone works for you for free, you aren't their top priority. They may say you are, they may want you to be, but you rarely are and you end up dealing with missed deadlines and hastily done work.

It's important to have team members that can work as professionals and you pay people that are professionals. You should respect people's time and talent and pay them for their work. It's what the Kickstarter money was for after all.

Everyone is budgeted in at 5 days a week and 8 hours a day as we're trying to keep normal hours. I have no doubt these hours will go up towards the end of the project, but I try to never budget crunch time, it's a dangerous precedent. It's a cost we will have to manage down the road, either by hiring someone new, spending for extra time, shifting resources or cutting content. There is enough slop built into the rest of the budget to cover some of this, but I never want ink to paper, because then crunch becomes real.

We do have two additional artists budgeted and yet to be hired. We don't know if we'll need both of them, but I've budgeted them just in case. We might need help with animation and there are also a lot of close-ups (telephones, control panels, bulletin boards, etc) and ancillary screens that aren't on Mark's schedule right now.

There is a line item for an additional writer. We made the decision to go with full Monkey Island style dialogs and I don't feel confident I can get all those done with everything else I need to be doing (like budgeting).

Testers, testers, testers. One of the most important and often forgotten roles in a game. It's money well spent because not testing will cost you down the road in emergency patches, dissatisfied players and crappy review scores. The original budget had 3 testers, but I added a 4th when we added the Xbox. I over budgeted for testing and it's an area that will probably come in under budget (ass, prepare to be bitten).

It's important to distinguish between testing and beta testing as they serve very different functions. The paid testers on a project are there to (primarily) find and help squash bugs. This is a paid role because it's grueling work and, quite frankly, not a lot of people are really good at it. Testers don't just "play the game". They are "testing" the game and that often involves countless hours of playing the same 5 minutes over and over, trying to get an elusive bug to appear. Testers need to write clear and concise bug reports and endlessly regress bugs to make sure they are fixed. It's a hard job. Good testers are worth every penny.

Beta testing is different. Beta testers (an unpaid role) are still finding bugs, but what you're really looking for are big picture issues, like puzzle complexity, game flow and story clarity. You want beta testers to "play" the game like normal players will and get feedback (mostly through silently watching, analytics and debriefs). You want to turn 50 beta testers loose and see where they go and what they do.

Next we come to Music and SFX. Musicians usually charge by the minute, so if you're going to have 15 minutes of unique music and they charge $1000 a minute (not uncommon), then your budget is $15,000. That $1,000/minute includes a lot of exploration and revisions and mixing. If you're saying "Hey, I'll do your music for free" you need to ask yourself if you're willing to spend weeks exploring different styles and tracks while getting constant feedback, then spend months composing it all, then additional months of making little revisions and changes, then producing 3, 4 or 5 flawless mixes. It's a lot of work and all the while, you have to hit deadline after deadline. And this is all for a relatively low budget game.

Next up on our journey through budget land is Translations, Voice Recording and Mobile. I'm kind of rolling the dice on these. I don't have a good idea what these will cost so I've padded the hell out of them and I expect this is where a lot of the slop will come from to fill other leaks. I got bids for voice acting and translation then added 30%. I have no idea on iOS and Android. I just chose a big number. This is where the voodoo of budgeting really plays out. If we had a producer, they would be spending more time nailing these numbers down. I've added enough extra that I feel comfortable.

On to Events. This is for stuff like PAX, Indiecade, E3 and other events we might want to show the game at. All this is really marketing and PR. It's also where we will pull extra money from if we get in trouble down the road. Not showing the game will screw its long term hopes, but not finishing the game is worse. Plus, it's a number we can scale up and down as needed and it's far enough down the road that we'll have better idea of how we're really doing.

Then it's on to the really exciting part of the budget: Legal, Accounting, Software, and the always important Misc. Assuming we don't get sued, these are fairly predictable and fixed expenses, but don't forget them.

And finally, the Kickstarter physical rewards. We have a fixed budget that was based on our final Kickstarter pledge numbers. It's probably around 25% too high, but that gives us some flexibility to make a better boxed copy or use the money elsewhere on the project. Or, we might have estimated wrong.

At the bottom is a total. I look at that each month and look at the bank balance. So far, we're fine. But that's because I worry.

One thing that is not on this spreadsheet is the money that is currently coming in from Humble Bundle and new backers. It's not significant, but it's not inconsequential either. I choose the leave it off the budget calculations because it provides this small margin of error.

We are planning on some new stretch goals in the next few months, and those are also not in the budget because if we don't make the goals, they won't become expenses. If we do, then all the numbers will be adjusted to account for the new work.

It's also possible that we'll move resources around, spend less on an artist and add a programmer. Budgets are living documents.

One thing to note, and I'm sure it will raise some eyebrows, is the monthly burn rate. That's a lot of money to spend each month. No one line item is very large, but they add up and can catch you by surprise. This is a pretty barebones project (but not scrappy) and it still costs $20K-$30K a month. It why when I look at other Kickstarters asking for very little money and they have a three page long team list, I get skeptical.

I hope this was informative. There are a lot of ways to do budgeting and I'm sure there are better ways, but this has always worked for me.

Please be respectful that we're sharing a lot of information with you, not only to be transparent, but also to educate and inform. This is how games are made, they take time, cost money and it's a very messy process.

- Ron Gilbert

[symbianosgames]

The following blog post, unless otherwise noted, was written by a member of Gamasutra’s community. The thoughts and opinions expressed are those of the writer and not Gamasutra or its parent company.

Reposted from the Award Winning* Thimbleweed Park Dev Blog. *Awards TBD.

During last week's Thimbleweed Park podcast, I asked Gary and David what scares them the most about the project. I find this a useful exercise to do with the team to see what they are worried about. The answer always changes as the project progresses and new worries come and go.

The common theme from the three of us was the amount of work there is to do. It's daunting. But as I've said several times on this blog, that's normal. I've never not been daunted by the amount of work facing me on any game I've done. If you're not daunted by the amount of work, there's probably something wrong and you need to be pushing harder. Be daunted and push yourself right up to the point of being overwhelmed.

During the podcast I mentioned my concern about money and seeing the bank account go down each month. This was somehow turned into "we're running out of money", which is far from the truth. I am worried about money, anyone running a project should be.

The thing is: I worry about things so they don't become problems, and worrying about money is one of those things. If we didn't worry about money everyday, we would run out of money. It sneaks up on you.

Seeing $500,000 in your bank account can make you cocky. It can seem like an endless supply of cash and more money than most people (including me) have ever seen in their bank account. But you have to treat that $500,000 like it's $5,000 or even $500. Every dollar matters.

It's why I like to have a budget.

It is one of the advantages of having a publisher, they will poke your budget full of holes and challenge your assumptions. The downside is, they will also push your budget down and it's not uncommon for developers to then fake the budget so they get the deal (which their studio is often dependent on to stay alive). It's not malicious, they (and I have done this as well) just convince themselves they can make it for less, and that's often not true.

I want to know where every dollar is being spent from here until the end of the project. You start putting line items into the budget and you instantly see your money starting vanish. A few line items later and you're out of money. It's sobering and a necessary process. It really makes you appreciate spending anything.

We had budgets back at Lucasfilm, but we were very isolated from the gory ramifications of those numbers. I could make a budget and if I went over by 20%, I might get a stern talking to, but it's not like people weren't going to be paid. When you're running your own company and project with your own money and you run out, people don't get paid and they don't like that. In the real world, they stop working.

I do a first pass budget before I start designing. I often know how much money I have and I want to see how many people and how long I have before that money is gone. If I know I have 15 months and can afford 5 people, then that helps me in scoping the design. If I have 24 months and can have 100 people, that's another scope.

Once I've done the preliminary budget, we'll start designing and then enter pre-production, all the while, adjusting the budget as I know more.  When pre-production is done, we can look at the amount of work and do a final budget based on the schedule. Budget and Schedule are two different things that feed into and help refine each other. You can't do one without the other, but they aren't the same thing.

A schedule lists everything you have to make and who is going to make it and when. A budget takes all those people and how much they cost and tells you what the project is going to cost.

Below is the current budget for Thimbleweed Park.  It's what I like to call a living budget. You'll notice that the first monthly column is October, not the beginning of the project. Money spent is "water under the bridge" and is only relevant for historical and educational reasons. What I want to focus my attention on is how much we have and how much we need to spend going forward.

Anyone who has a real background in accounting is probably having spasm right now. There are much better ways to do this, but I'm not an accountant and neither are most indie devs. This is a much simplified way of budgeting and it works for me.

Each month I look at what we spend versus what we expect to spend then make any adjustments to future costs. I then remove the current month column, look at the projected total and the bank balance. If there is more in the bank then we're projected to spend, then we're OK, back to programming and designing.

Let's go through the budget.

First up are the people. Gary and I are working for peanuts (honey roasted). Neither of us can afford to work for free for 18 months and we're making about a quarter of what we could get with "real jobs" but we do need to eat and pay rent.

Everyone else is working below what they could get, but I do think it's important to pay people. I don't feel getting people to work for free ever works out and usually ends badly (and friendships) or you "get what you pay for." The reality is that when someone works for you for free, you aren't their top priority. They may say you are, they may want you to be, but you rarely are and you end up dealing with missed deadlines and hastily done work.

It's important to have team members that can work as professionals and you pay people that are professionals. You should respect people's time and talent and pay them for their work. It's what the Kickstarter money was for after all.

Everyone is budgeted in at 5 days a week and 8 hours a day as we're trying to keep normal hours. I have no doubt these hours will go up towards the end of the project, but I try to never budget crunch time, it's a dangerous precedent. It's a cost we will have to manage down the road, either by hiring someone new, spending for extra time, shifting resources or cutting content. There is enough slop built into the rest of the budget to cover some of this, but I never want ink to paper, because then crunch becomes real.

We do have two additional artists budgeted and yet to be hired. We don't know if we'll need both of them, but I've budgeted them just in case. We might need help with animation and there are also a lot of close-ups (telephones, control panels, bulletin boards, etc) and ancillary screens that aren't on Mark's schedule right now.

There is a line item for an additional writer. We made the decision to go with full Monkey Island style dialogs and I don't feel confident I can get all those done with everything else I need to be doing (like budgeting).

Testers, testers, testers. One of the most important and often forgotten roles in a game. It's money well spent because not testing will cost you down the road in emergency patches, dissatisfied players and crappy review scores. The original budget had 3 testers, but I added a 4th when we added the Xbox. I over budgeted for testing and it's an area that will probably come in under budget (ass, prepare to be bitten).

It's important to distinguish between testing and beta testing as they serve very different functions. The paid testers on a project are there to (primarily) find and help squash bugs. This is a paid role because it's grueling work and, quite frankly, not a lot of people are really good at it. Testers don't just "play the game". They are "testing" the game and that often involves countless hours of playing the same 5 minutes over and over, trying to get an elusive bug to appear. Testers need to write clear and concise bug reports and endlessly regress bugs to make sure they are fixed. It's a hard job. Good testers are worth every penny.

Beta testing is different. Beta testers (an unpaid role) are still finding bugs, but what you're really looking for are big picture issues, like puzzle complexity, game flow and story clarity. You want beta testers to "play" the game like normal players will and get feedback (mostly through silently watching, analytics and debriefs). You want to turn 50 beta testers loose and see where they go and what they do.

Next we come to Music and SFX. Musicians usually charge by the minute, so if you're going to have 15 minutes of unique music and they charge $1000 a minute (not uncommon), then your budget is $15,000. That $1,000/minute includes a lot of exploration and revisions and mixing. If you're saying "Hey, I'll do your music for free" you need to ask yourself if you're willing to spend weeks exploring different styles and tracks while getting constant feedback, then spend months composing it all, then additional months of making little revisions and changes, then producing 3, 4 or 5 flawless mixes. It's a lot of work and all the while, you have to hit deadline after deadline. And this is all for a relatively low budget game.

Next up on our journey through budget land is Translations, Voice Recording and Mobile. I'm kind of rolling the dice on these. I don't have a good idea what these will cost so I've padded the hell out of them and I expect this is where a lot of the slop will come from to fill other leaks. I got bids for voice acting and translation then added 30%. I have no idea on iOS and Android. I just chose a big number. This is where the voodoo of budgeting really plays out. If we had a producer, they would be spending more time nailing these numbers down. I've added enough extra that I feel comfortable.

On to Events. This is for stuff like PAX, Indiecade, E3 and other events we might want to show the game at. All this is really marketing and PR. It's also where we will pull extra money from if we get in trouble down the road. Not showing the game will screw its long term hopes, but not finishing the game is worse. Plus, it's a number we can scale up and down as needed and it's far enough down the road that we'll have better idea of how we're really doing.

Then it's on to the really exciting part of the budget: Legal, Accounting, Software, and the always important Misc. Assuming we don't get sued, these are fairly predictable and fixed expenses, but don't forget them.

And finally, the Kickstarter physical rewards. We have a fixed budget that was based on our final Kickstarter pledge numbers. It's probably around 25% too high, but that gives us some flexibility to make a better boxed copy or use the money elsewhere on the project. Or, we might have estimated wrong.

At the bottom is a total. I look at that each month and look at the bank balance. So far, we're fine. But that's because I worry.

One thing that is not on this spreadsheet is the money that is currently coming in from Humble Bundle and new backers. It's not significant, but it's not inconsequential either. I choose the leave it off the budget calculations because it provides this small margin of error.

We are planning on some new stretch goals in the next few months, and those are also not in the budget because if we don't make the goals, they won't become expenses. If we do, then all the numbers will be adjusted to account for the new work.

It's also possible that we'll move resources around, spend less on an artist and add a programmer. Budgets are living documents.

One thing to note, and I'm sure it will raise some eyebrows, is the monthly burn rate. That's a lot of money to spend each month. No one line item is very large, but they add up and can catch you by surprise. This is a pretty barebones project (but not scrappy) and it still costs $20K-$30K a month. It why when I look at other Kickstarters asking for very little money and they have a three page long team list, I get skeptical.

I hope this was informative. There are a lot of ways to do budgeting and I'm sure there are better ways, but this has always worked for me.

Please be respectful that we're sharing a lot of information with you, not only to be transparent, but also to educate and inform. This is how games are made, they take time, cost money and it's a very messy process.

- Ron Gilbert