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teshknowledgenotes · 4 years

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PODCAST: Naval Ravikant & Tim Ferris Podcast - NOTES FROM TRANSCRIPT I FOUND WORTH WRITING NOTES ABOUT

Tim Ferriss: Well, this would be great. The one I’m going to read would be a great one for people to get really upset about. Or I would find it comical to look at the comments of people are upset, but the line is this: Imagine how effective you would be if you weren’t anxious all the time.

Why did you put this out? And have you seen highly anxious people become people who experienced very little anxiety? Is that something you’ve seen, but first, why did you put this up? What was behind it? And then have you seen anxious people become largely, I guess an anxious or non-anxious people.

Naval Ravikant: Yeah. Most of my tweets are not very deliberate or thought through. What’s happening is I’ve been thinking about some concept for months, years, whatever it’s been percolating. And then all of a sudden it’ll come to me. It’s sort of like one pithy sentence where I’m like, oh, this is how I will remember this thing. This is how I can distill this down into a pointer for myself, so that when I need to make decisions, I can retrieve that whole line of reasoning.

And so where this comes from is basically everybody, after a certain age, I am taking responsibility for my own happiness and peace and quality of life. And one of the things you learn after you make money is that money doesn’t make you happier. It takes care of your money problems, but it’s not necessarily going to put you in a place where you’re in some kind of bliss all the time.

In fact, there’s nothing out there that will make you happy forever. So you sort of have to take responsibility for guiding yourself in such a way that your mental state ends up where you want it. And so I’ve been working on my mental state and I have—working is a big word. I don’t even want to say I’ve been working on it, but I would say my mental state has gotten to a place which is much better than it used to be.

And people will often say, “Well I don’t want to do that because it’ll take away my ambition. I want to succeed right now.” And so I’ve thought about that a fair bit. And is that true or not? Well, it certainly, for me in the last few years, since I’ve become calmer, my effectiveness has gone through the roof and I’ve been more successful, but it’s hard to disambiguate that from, well, also, maybe you just later in your career, you’re in a better position for it and that’s a valid criticism.

So one of the things I’ve been trying to figure out is like, would I have been as successful and it’s hard to do the counterfactual obviously if I wasn’t as anxious, because anxiety comes from fear and it’s also a motivator. It makes you get off your butt. And one of the ways to make the anxiety go away, at least until the next piece of anxiety comes along, is to go do something about it.

So what is the role of anxiety? Well, firstly, I noted that pretty much everybody’s anxious all the time. It’s a rare human being who isn’t anxious and it makes sense. We’re alpha predators. We took over this earth and domesticated or killed all the other animals. And we did that by being the most paranoid, the most fearful, the most angry predators this world has ever seen.

So anxiety is built into the core of who we are. In fact, you could argue that all the mind does all day long is fear-based scenario planning for survival, and then maybe a little bit of green for replication. So anxiety is at the core level of who we are, but certainly some people are more anxious than others. There’s no question. And some people seem to get much calmer about it.

So which is more useful for effectiveness? So assuming that your goal is your motivation is intrinsic. You’re doing the thing because you love it or because you really want it, and you can separate that motivation from anxiety. Then I think you can take on certain superpowers. And we kind of all intrinsically know this. If you look at Samurai warriors, Miyamoto Musashi is in a duel with somebody else, you know that the person who is calmer is going to win.

In all those movies, it’s the one who’s incredibly still then swipes with a sword incredibly quickly, and is then still again, that’s the winner—the one who has a zen sense of mind. Similarly in The Terminator movies, part of the reason you fear the Terminator is because he’s a robot. He’s unstoppable, he’s implacable. You can’t argue with him. You can’t communicate with him. You can’t make him slow down.

And he has no remorse. He just keeps coming. Or in that old Clint Eastwood movie Unforgiven. The guy who wins the gunfight is the one who doesn’t flinch. He’s just keeping his cool while he’s loading his gun and shooting. He’s not like all over the place running around. So I just think we waste so much energy through anxiety that if you can be calm and still go about your business, it’s a superpower.

And I realized this myself recently, where I was in a conflict situation, business. It was a high conflict situation. It was unfortunate. We, I think we’ve solved it. But as I went through this high conflict situation, I’d been through one like it years before where I was much more anxious. And I remember that time period. And I remember how much I was sweating it and how nervous I was and how I went through bouts of fear and anger and how it kind of worked up I was the entire time, intense and didn’t get much sleep.

But this time I was incredibly calm and I was almost enjoying it because it was like practicing my craft. Now, of course it’s easy to do now because I have more money. But at the same time, it just didn’t bother me. It was just very mechanical. And because of that, I can be very effective about it and it can be effective about it while doing lots and lots of other things. My mind wasn’t constantly spinning in a whirlpool taking on 10 different problems and just fear-based scenario planning all the time.

Most of these things were never going to happen. So I do believe that being calm and still going about your business is the superpower. Now yes, if anxiety is your only motivator, then you have a problem. But I would argue the pure motivations don’t come out of anxiety.

Tim Ferriss: So let’s talk about attribution here. To what would you attribute the, I know this, that it’s difficult to isolate variables, et cetera, but if let’s just say like you have a family, so let’s just say one of your kids comes to you is like, “Dad, I’m suffering from a lot of anxiety. What should I do?”

Or you observe it and you want to help your kid out. What types of recommendations would you make? Or might you make? Another question if you prefer it is what has helped you to go from the whirlpool experience of anxiety in high conflict experience, round one versus calm Naval, and high conflict experience round two?

Naval Ravikant: Yeah. It’s really hard to separate all the pieces out. I mean, it comes from a combination of a philosophy, yoga meditation, and getting older, having kids. Like you, I’ve had some psychedelic experiences, but those are very far back in the past, just a distant memory at this point. But I would say the number one thing that has been very, very important for me is meditation.

And it’s a stupid thing to say, because so trite, everybody just says it now. But when I say meditation, I don’t mean sitting there and watching your breath or chanting a mantra. I mean, self-examination and meditation is a great way to do that self-therapy. It’s sitting there with your thoughts. So anxiety, this pervasive nonspecific anxiety where we’re just constantly on edge about everything, that comes from an unexamined life. I think it was Socrates who said, “An unexamined life is not worth living.” I forget who said that quote—

Tim Ferriss: Something like that.

Naval Ravikant: But it’s—

Tim Ferriss: Aristotle, Socrates—

Naval Ravikant: One of those smart philosopher types, but it’s correct. It’s your unexamined life that is causing the problems. And you can examine it in multiple ways. You can examine it through you can have some crazy mushroom trip where it all comes out one night. You could do a lot of meditation sitting there with yourself and letting your mind run crazy.

And then seeing what’s actually in your mind that your mind wants to tell you, and have you listened to, and have you resolved that is unresolved. It could be through therapy. It could be through reading lots of philosophy and reflection and long walks. So there’s many, many ways to tackle it, but it’s that spending the time with yourself to examine why are you having these thoughts?

Think about it this way. We spend so much time in our relationships. Our relationships with our wives, our relationship with our colleagues, our relationships to our business partners, our relationship with our friends, the most important relationship you have is with yourself. It’s with this voice in your head that is constantly rattling every waking hour, it’s this crazy roommate living inside your mind who’s always chattering, always chattering, never shuts up and you can’t control these thoughts.

They just come up out of you don’t even know where, and those quality of your thoughts, those conversations you’re having in your head all the time. That is your world. That is the world you live in. That’s the worldview you have. That’s a lens you see through, and that’s going to determine the quality of your life more than anything else.

And if you want to see what the quality of your life actually is, put down the drink, put down the computer, put down the smartphone, put down the book, put down the headphones, just sit by yourself, doing nothing. And then you will know what the quality of your life actually is because that’s what you’re always running away from.

That’s why people, when they try to meditate they sit down, “I hate it. I can’t sit still.” Why? Because your mind is eating you alive. Your life is unexamined. Your mind is running in loops over things that it has not resolved. And because they’re not resolved when you run around your normal life. It’s not that those problems have gone away. It’s that they’re just there, they’re there, but they’re provoking anxiety.

And what you think of as the anxiety that’s kind of consuming you and you can’t identify the source. That’s just the tip of an iceberg poking out from underneath the water and underneath this giant pile of garbage of decisions that were made without too much thought of situations that you’re in, that you haven’t resolved, that you need to resolve, of problems that you have, or desires that you have that have gone unmet or unmanifested, or are being, or contradictions that you’re living in a ways that you, which you feel trapped.

So proper meditation, proper examination should ruin the life that you’re currently living. It should cause you to leave relationships. It should cause you to reestablish boundaries with family members and with colleagues. It should cause you to quit your job. It should cause you to change your eating patterns. It should cause you to spend more time with yourself.

It should cause it to change the books you read. It should cause us to change what your friends are. If it doesn’t do that, it’s not real examination. If it doesn’t come attached with destruction of your current life, then you can’t create the new life in which you will not have the anxiety.

Tim Ferriss: Or at least parts of it. Not necessarily whole cloth. So let’s dive into meditation because as you mentioned, it’s a term that is used a lot. And in the minds of most, it is represented by things that you just said, you do not do like the mantra-based meditation or following the breath. And you and I have meditated before.

I don’t know if your approach is still similar, but it is quite a—I’d hate to talk about trite paradigm shift in a sense, at least in the way that I experienced it alongside you, at one point, which was literally doing nothing for extended periods of time. I don’t know if that’s still the case, but could you describe the practice a bit because it was such a burden lifted in a sense when the pass-fail is removed.

And the experience that I had after say a week of doing this twice a day, which is not necessarily what people would do in normal life, but was pretty profound. So could you describe the current practice, which may be different from what I experienced.

Naval Ravikant: Yeah. I actually have two different things that I do, and I almost hate calling it meditation because everyone has in their mind, a preconceived notion of what meditation is. Let’s not even call it that. I would say that there are two self-examination practices that I do, and I don’t even call them practices anymore because sometimes I do them because I feel like them and I enjoy them, or because it feels right.

And sometimes I don’t because anything done routinely sort of becomes its own trap and is not going to get you anywhere. It just becomes like another spiritual high and other check box.

Tim Ferriss: Now is it fair though, to say that you’re able to opt-in and out now because you had a certain front-loading period—

Naval Ravikant: Correct.

Tim Ferriss:—of doing it consistently.

Naval Ravikant: Actually I’ll say the three different things that I do and I’ll go through them. The first, I just read a lot of philosophy, especially at night time before I go to bed.

Tim Ferriss: Which ones? Schopenhauer, Maxims? Who are we talking about?

Naval Ravikant: Yes, Schopenhauer, Western philosophy is my current favourite, although I’ve definitely moved around in that one. Eastern philosophy, I’ll read everything from Osho. I know he’s discredited and been cancelled, but fantastic—that makes me like him even more. Krishnamurti, I don’t know, Kapil Gupta, Rupert Spira. I mean, it’s all over the place. Anthony de Mello, he’s fantastic actually.

If going to start with one book. Start with Anthony de Mello’s A Way to Love or his book Awareness. They’re both really good, but there’s a ton of them. I basically read a lot of philosophers. Siddhartha, Vasistha’s Yoga, Bhagavad Gita, Tao Te Ching. I’m always going through one of these books at any given time and usually rereading for inspiration.

And I’ll read these at night. Usually, there’ll be one or two things I’ll catch on to, I’ll reflect on it before I go to sleep. So that is a form of self-examination and it’s not done because it’s a formula it’s done because I’m genuinely interested in these things. So it’s not work to me, it’s fun. The second thing that I do is which I’ve been doing for a long time now is just trying to be aware of my thoughts and not in a sit there and be like, “Oh, I’m going to be aware of my thoughts kind of way.”

But just realizing that a lot of these thoughts that come up are unbidden I don’t control them. It’s not like I decided to have this thought. I don’t even know what I’m saying to you right now. It’s coming out of my mouth at the same time as I’m thinking it. So where is this coming from? Who is this person? What is this person saying? Is this true? Is it correct? Has it been correct in the past? Is he just being paranoid now? Is it being crazy? What are his underlying motivations?

And I’m not even questioning so much, but more just kind of seeing it. And after a while, when you see it, you start seeing through your own BS, you start seeing how you’re mainly just justifying whatever the heck you want to believe, because it’s good for your survival. It’s good for your replication, or it’s good for your money, or it’s going to get you late or any of these various things.

Tim Ferriss: And when you’re doing that reflection is it sitting at a table, pen and paper? Is it—

Naval Ravikant: No.

Tim Ferriss: Half lotus with your eyes closed? What is—

Naval Ravikant: No, it’s really just walking around. Just walking around. It’s just life. Just if you say something to me, I’m always going to listen to it with a slightly critical filter, because you’re external to me. Applying that same filter to my own thoughts, it gives me a level of peace and distance from them and the ability to see through my own BS, which I think makes my life better.

So I’ve just found that to be a useful way of life. But there are lots of times where I forget to do it. I get caught up in some emotion, some runaway train of thought, but usually these days I can catch myself and be like, “Oh, okay, I’m in that mindset again. And having that mode of reactions again,” and when the mind sort of sees me chattering it quiets down a bit.

Naval Ravikant: Oh, before we finish that topic, very important people find the people that it doesn’t take work to be around. The best relationships don’t feel like work. You make the other person happy being yourself. They make you happy by being themselves, everyone’s honest, no one’s putting on an act that they can’t carry on for the next decade. Same thing with friendships, the best friendships are friendships that were formed over nothing. It’s not because you went to school. It’s not because you studied on the same things. It’s not because you’re working together. It’s not because you enjoy rugby or whatever. It’s because your chemistry matches, your temperament is similar. You can be friends with this person for 30 years, 50 years. The compound interest in relationships part ironically means that the best relationships, whether they’re friendships or family or love, are the ones that you don’t have to work too hard at them so you don’t have to sustain that workload for the rest of your life and you can do it effortlessly.

Tim Ferriss: Yeah, totally. Well, one of your quotes that I think of often, and I might be paraphrasing this is: if you want to avoid conflict, rule number one is: avoid people who are constantly involved with conflict, right? I mean something along those lines.

Naval Ravikant: I mean, well, for example, when you’re in a relationship, just watch how the other person treats their worst enemy, because eventually they’ll just redefine you as enemy and you’ll get to feel that behaviour. I think the number one criteria I look for in a relationship is that person has to be kind. They just have to be a nice person. Because, eventually they’ll, in a certain context, you can always be reclassified from friend to enemy. You just want to see the boundaries of someone’s ethics. If you see someone being bad to a server or someone engaging in unethical behaviour or suing other people or fighting other people all the time, it’s only a matter of time before they fight you. Just stay away from these high conflict people. Everyone has conflict, no one is clean, but that said, there are definitely people who engage in conflict and do it regularly and then make it a part of their lifestyle. Just walk away. It’s not worth it. You’ve met people who are low conflict and easy to get along with.

Tim Ferriss: Yeah. Low conflict, low maintenance, who can also be brutally candid when necessary. Right? Which doesn’t equal conflict.

Naval Ravikant: Well, the one thing I’ve noticed, and I haven’t written the tweet on this because I’ve had a hard time figuring out how to say it, but the people that I want to spend time around these days, when I look at what the common characteristic is, they’re highly self-aware. They’re very, very aware of themselves. They’re not running on autopilot. They don’t get angry easily. They don’t get unhappy easily. They don’t take themselves too seriously. They have a certain separation from their own thoughts and personality that prevents circumstances and their personality from overwhelming them. They don’t have a victim mentality. They’re not caught up in some story of what happened to them when they were younger. They’ve had those issues for sure, but they’ve just gotten past them and been like, “I don’t want to be that person. I don’t want to be trapped in that mindset.”

They’re not trying to signal all the time how important they are, or who they know, what they’ve done.

Tim Ferriss: How virtuous they are.

Naval Ravikant: How virtuous they are. They’re not virtue signalling or bigoteering. They have low egos. Generally, I can literally plot on a line the more self-aware somebody is, I guarantee you the more attractive they are to a large number of people. To the degree that I’ve achieved any modicum of fame and fame is a trap, and I’m going to pay for this. I know I will pay for this, but any modicum of fame that I have achieved, I think is because I am one of the few people who has been successful in business that thinks out loud in public. Because I’m willing to think out loud in public, that’s a risk that I take on, it improves my thinking, but other people say, “Oh, yeah, he’s somewhat self-aware, he’s thinking about himself.” I think that helps inspire other people to also say, “Okay, it’s okay for me to think about myself.” I just find hanging around self-aware people is a lot easier than people who are running on autopilot, almost like NPCs.

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onisionhurtspeople · 7 years

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Onision and his new channels.

I’ve been getting a lot of submissions recently from people asking me what’s been going on with all of Onision’s new channels, so instead of responding to all of them individually, I’ve decided to make one giant post about it to outline what my thoughts on the subject are.

A couple of days ago, I responded to a post in which somebody was asking why Onision keeps creating new channels even though his old ones are dying. In the past couple of months alone, Greg has doubled his channel count from Onision, OnisionSpeaks, and UhOhBro, to those three plus three more: OnisionEncore, OnionSon, and now Onichan (and there may be more that I’m not aware of). I responded to the post by writing that I believed he was creating all of those new channels because he was stuck in the past, trying to relive his glory days by repeating the same actions and circumstances that catapulted him to YouTube infamy to begin with; because, as we all know, Greg is the kind of person who has a very narrow comfort zone, and as such he has a tendency to repeat the same patterns over and over again - not just with his channels or his video content, but also with his behavior and especially with his relationships. The pattern of idealizing, devaluing, and then discarding that he puts his friends and romantic partners though, the pattern of attacking content creators and even fans who dare to criticize or disagree with him, the pattern of saying/doing offensive things, receiving backlash for those things, acting contrite and apologetic in order to win back the loyalty and forgiveness of his fans (”See, look! He’s trying so hard to change! He’s admitting to his mistakes! He’s really trying this time, and the effort is all that matters!”), and then doing the same thing all over again from the beginning. The patterns in his behavior that we’ve all noticed, and which brought us here in the first place.

But I was thinking about it today and realized that there’s another reason why he’s making all of these new channels, too. It’s not just because he engages in a lot of repetitious behavior (although he does), or because he’s desperately trying to hold on to what little fame, fortune, and influence he has left (although he is); but it’s also because creating all of those new channels gives him a “valid” excuse to re-upload the same videos that he already has published on his main channels, thus garnering extra views (and a little bit of extra money) when fans click to watch his “new” uploads. I wouldn’t go so far as to say that this is fraud, but he is representing his channels as being for new or previously unpublished material when really all he’s doing is using it as a dumping ground for all of his old videos so that he can double his profits. (I say “double”, but really he’s only making a fraction of what he used to off them, because the videos on his new channel are only getting like 16,000 views on average each.)

Today, however, Onision announced that he was planning on doing something new with his channels. My understanding of what Greg is doing here is that it seems as though from now on (and if anybody knows more about this than I do, please correct me if I’m wrong), he will be releasing most of his videos through Patreon to paid fans only, except for what he publishes on Onichan. I suspect that he’s doing this in order to force their hand: he believes that if he makes it so that his fans have to choose between either never seeing his videos again, or paying a measly $0.49 per month (or else they’re a fake fan who lied about how much he meant to them, of course; and we all know how Onision feels about liars), then the ones who were previously unwilling to pay for it will pony up the cash to get access to his videos. We’ll have to wait and see how that works out for him, but I think he made a huge miscalculation here, for a couple of reasons. 1) He (again) chose to ignore the fact that his viewer demographic consists primarily of 14 to 17-year-old girls (most of whom do not have a job, let alone enough money to support him on a month-by-month basis), and 2) I think he has vastly over-estimated his popularity and the loyalty of his fans. This, combined with the fact that just earlier today he was trying to guilt trip his fans into giving him money (with his “If I really liked a YouTuber and claimed that they’d “saved my life”, then I’d be more than willing to spend $0.49 on them. The fact that you won’t proves that you’re not a real fan” bald-faced attempts at emotional manipulation on Twitter today), indicates to me that he’s desperate, is getting ready to privatize his content, and is pulling out every card in the book to try and get his viewers to pay him - even if that means he has to bully, manipulate, insult, and guilt-trip his own impressionable teenage fans in the process. On the plus side, at least this clearly proves one thing that people have been arguing about for years: he never cared about his fans, he was never doing YouTube just because he enjoyed it (despite the fact that he accused many other YouTubers of being in it only for the money), and he never cared about whether or not his videos helped people - even for all of his claims of being “pro-feminism” and “body positive”.

But probably the biggest mistake that he’s made in doing this is, in my opinion, related to the fact that he refuses to admit that his viewers are primarily teenagers (though he has no problem with doubling that demographic as his dating pool) - and I believe that this miscalculation on his end may ultimately result in him permanently destroying his own channel within two or three years at best. Let me explain why I think this.

In refusing to acknowledge that his fans are mostly teenagers, he is missing out on recognizing the reason why they’re so young to begin with: and that’s because as his fans grow older, they tend to grow out of finding his brand of juvenile, sophomoric humor amusing. What we found funny at 14 or 15 is not what we still find funny at 20 or 21 - for the most part, our sense of humor is developed and refined over time, and we begin to lose interest in the type of comedy that amused us when we were young. At this point you’re probably thinking, “Why is this information relevant, and what does it have to do with the success of his channels?” The problem here is that in his incredible arrogance, his black-and-white thinking, and his lack of foresight and lateral creativity of thought, he is only thinking of the short-term gains of forcing fans to give him money in order to view all of his content, but ignoring the broader implications and potential consequences of doing so. Since such a significant portion of his fan base is so young, and since they tend to outgrow his humor and the drama surrounding his private life, by removing his content from YouTube and making it available exclusively through Patreon or his website, he is essentially removing the free advertising of his channel that YouTube provides for him just by being a member of the website - effectively cutting off his supply of new, young fans coming on to YouTube and discovering his content. This is the reason why his demographics have consistently remained in the 14-17 range even though he’s been on YouTube for over ten years: because instead of his older, loyal fans aging alongside him, instead they are losing interest in his content as they mature, only to be replaced with newer and younger fans who likely discovered him either because one of their favorite content creators mentioned his name in one of their videos, or because his channel showed up in their “recommended” sidebar. Either way, the only reason they discovered him was because he was on YouTube.

What will happen if he switches over to Patreon or his own website, rather than continuing to post on YouTube or even Facebook or Tumblr, is that the exact same cycle will continue, except that as his older fans age out of his content, they won’t be being replaced by younger fans discovering him as they are now (because he won’t be posting new content on YouTube anymore, only on Patreon). His fans will turn 18, 19, and 20, and stop watching his content. Slowly, they will realize that they’ve stopped quoting his jokes to their friends when they hang out, that it’s been ages since they’ve watched a new Onision video, or recommended his channel to a new friend. They will go to his channel, try to re-watch an old favorite that they used to find hilarious, and scrunch up their face in disappointment and confusion when they suddenly realize that they find his constant interruption of Lainey obnoxious and inappropriate rather than funny or charming. It will dawn upon them that they just don’t find him funny anymore, and that his sense of humor is juvenile and unappealing to their new and more mature selves. They will wake up one day and realize that now, as adults, they just can’t relate to him anymore, to his sophomoric locker room jokes, his black-and-white unrefined opinions lacking in complexity and nuance, or his ignorant, judgmental rants that just sounded so intelligent and logical and impressive when they were freshmen in high school and didn’t have enough life experience to challenge his point of view and form their own opinion. They will get a job, or have kids, or go to college, or move out, and one month while they’re drawing up their budget and trying to decide between ramen and donating to Onision’s Patreon, they will realize that they don’t really like him enough anymore to be spending money on him anyway, even if it’s only $0.49 per month; and suddenly they’ll think to themselves, why am I giving him that money, anyway? He makes $5000 per month off Patreon, he doesn’t need my money to keep his Tesla and two houses afloat, especially not when I’m the one who’s struggling here (and especially not if he’s going to make me feel guilty for not being able to afford it). Slowly but surely, his current fan base will age outside of the range of his influence, as they have always done in the cycle of Onision’s channel; except this time, there will be no younger fans to replace them, because he’ll have removed all of his content from YouTube in a desperate but short-sighted bid to manipulate his fans into giving him more money. And what he undoubtedly thought was a clever and inspired calculation on his part to make more money off his fans will ultimately end up contributing to his permanent demise.

#onision #anti-onision #youtube #laineybot #onichan #onionson

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nh0betsm-blog · 5 years

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Etoile Texas Cheap car insurance quotes zip 75944

"Etoile Texas Cheap car insurance quotes zip 75944

Etoile Texas Cheap car insurance quotes zip 75944

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I was wondering what the price of a 1993 2.3 L V4 Mustang LX would be for a 17 year old male would be with less than 100K miles on it

""Insurance quesion, help!?

Cash value life insurance is more expensive than term insurance because a. it is usually sold to older people who have higher mortality. b. higher rates of interest are earned on term policy investments. c. whole life is subject to adverse selection. d. the whole life contracts include both a protection element and a savings or investment element. e. none of the above. Is this one C? Past efforts to address the growing imbalance between tax-paying workers and social security beneficiaries have included a. increasing the social security (FICA) tax rate. b. increasing the maximum income subject to the social security tax. c. increasing the normal retirement age. d. taxing part of social security benefits. e. all of the above. This one E? The Consolidated Omnibus Budget Reconciliation Act (COBRA) contains provisions that a. allow continuation of group health insurance by employees and certain dependents upon the occurrence of designated events. b. apply to all employers offering group health insurance to employees. c. require an employer to pay the cost of continuing former employees' health insurance for up to 36 months. d. allows terminated employees to continue their group health insurance for up to 36 months. e. all of the above. This one E?

Is Bluecrossca a good medical insurance company?

is Bluecrossca a good medical insurance company?how much it charged in a year?is there any health insurance company better?anybody gets any suggestion?

Do i need personal car insurance to drive an ambulance?

Im going to school to be an emt and i know that at some point, as scary as it is, i will have to drive an ambulance but i wanted to know how or if it would affect my personal car insurance or if the company i worked for even needed my car insurance. For example: what if i had a valid drivers license but did not have a car of my own to even have insurance? How does that work? Currently i do not own a car because i have been a full time student for a few years living on campus so thats why im asking..""

Should I get earthquake insurance?

I live in California. The quote I got was $150K dwelling, $5K personal property. The deductible is $22,500 and the annual premium is $370. Is this worth it?""

What are some cars that look good and are cheap?

Well it's time i can almost actually get a car and drive... I'm a teen so obviously my first car can't be to expensive.. i'm looking for any cars that look good and hopefully people can tell me some that would look good.. i know i shouldn't care as much about looks but basically i'm trying to find a used car around 100,000 miles maybe a little more or less for under $6000... i can't get a real expensive car because of insurance i'll have to start off on basic so i'm wondering if there are any nice looking cars that are cheap... I had in mind an eclipse or something but i'm really not sure if i want something like that but thanks...""

What is the best car to get low insurance?

i'm thinking of getting my first car. what is the a good car with low insurance rate?. and what are the best ways to make the insurance go less ?

Term Life Insurance Ownership?

My wife and I are in our 40's and 50's. We have created A/B trusts and transferred our assets to them, and expect to have estates that will benefit from the estate tax saving these trusts afford. We recently both purchased $1M 10-year renewable term life insurance policies that we expect to keep for 10 years. We chose not to use life insurance trusts because the purpose of the policies is to replace the lost income of the deceased spouse if one of us dies relatively soon, not to increase our final estate, and the trusts are somewhat costly. We each specified our own trusts as the beneficiaries, because we want the disposition of assets specified there to be used for this money. The trusts provide for the income, and principle if needed, to be paid to the spouse, and for the remainder to be paid to our child at the remaining spouses death. The question of ownership of the policies is less clear. My lawyer says that it doesn't make much difference who owns them, because the value (estate) taxed is only one year's premium, not the $1M. My accountant says that the $1M is taxed, and that each policy should be owned by the other spouse to avoid tax on that amount. A friend said that there's no way to avoid or significantly decrease the tax, so just leave the ownership as is (each spouse owns their own policy). A further fly in the ointment is that the insurance company (Massachusetts SBLI) makes some forms of trust ownership more difficult and costly. I'm confused. What ownership is the best? What is the benefit of that choice? Thanks for your time.""

How do i pay for car insurance?

i'm 17 years old and moving out. me and my parents do not get along. i'm buying my own car but i do not know how i'm going to pay for the insurance? i do not know much about anything. i can't get a credit card because i'm not 18 so what should i do? is there a different way?

Does a wet reckless charge always increase insurance rates?

I plead a DUI down to a wet and reckless for a reduced charge. This was over a year ago, and my insurance premium hasn't changed a bit. Does it have anything to do with the fact that i have minimum legal coverage, or do they simply not acknowledge this charge? Im asking because I want to switch to comprehensive coverage but im afraid that will trigger something in their system. I would call and ask but I don't want them to raise my rate in case they overlooked something. I'm with Mercury insurance. Thanks""

California low cost health insurance?

i need an innsurance with a low cost monthly fee.. i just need it for birth control. i dont want to pay full price it gets pricy please let me know of some good ones that you have experience with

Home insurance wants to raise dwelling coverege?

I purchased a townhome in March of 2013 for $183k in Florida. It is in a 200-unit subdivision that just completed all construction and sold out all last remaining units a few months ago. When I signed up for home insurance, the insurance company set my dwelling coverage to $183k. I told them that it isn't accurate for them to base dwelling coverage on market price because the replacement cost must be lower since market price includes land and profits the builder makes. Long story short, they convinced me to stay at $183 because they said costs were rising and so forth. I decided not to fight it. Fast forward to this year, and now they are proposing to increase the dwelling coverage to $203k (11% increase). Funny thing is that for my exact townhome model, about 20 units were sold in the last year with prices averaging in the upper $180s (slightly above what I paid). I called the insurance company to let them have a piece of my mind, and they told me they use an independent 3rd party company to price the replacement costs. I told them it's BS because it's way above average market price and replacement costs is always below market price. They asked me to send them documents from when I purchased the home that details the construction materials used and upgrades so that they can reevaluate the dwelling coverage. My question is, why is the burden of proof on me to prove to the insurance company that dwelling coverage should be lowered? Why can't they just reduce it to what I tell them to reduce it to? After all, I am the customer who pays for the insurance. If my house is ever destroyed and I underinsured, that's my problem not theirs. I just find it strange that I'm paying for an insurance service and the insurance company decides what the replacement cost is, not me. Even though it doesn't affect them.""

Buying a motorcycle and driving without insurance in ontario?

I was considering to buy a motorcycle in ontario a cbr125r, and if i do make the purchase and drive without insurance, how much could i be fined? and im 18 and i would be considered to be a new driver, how much does motorcycle insurance typical cost for a year?""

Can I get affordable car insurance with a company if I currently hold a policy with them?

I have a pretty ba driving record from about a year ago. I recently just bought a motorcycle and got insurance through them for $306 a year which is awesone. But it would also be nice to have a truck considering rain a cold weather. Now I've priced insurance through many different company's for my 1996 mitsubishi mirage 2 door, and I was quoted at $219 a month with liability and that was the lowest. Now I want to buy a truck and add it to my current policy, will it be remarkably cheaper to do so, or how long till it will be cheaper, or should I say very affordable. I live in the state of louisiana if that information helps at all. Answers are greatly appreciated. Thank you""

What would be the average cost for these with a Hyundai i20?

what would be the average cost for these with a Hyundai i20 budgeting for running costs -car repayments -ongoing insurance and registration payments -car maintenance -tyres -petrol

How much should I pay for liability insurance for a non-profit?

I'm from a non-profit volunteer organization that wants its volunteers to teach a 16-session class. Normally, we teach in a local high school, but given the time in the school year, I would like to teach in a public/community setting over the summer. In order to get a public place (library; community center) to host this class, I need to take out liability insurance. I've asked my supervisor whether our organization has liability (no response yet). If we don't currently have it, what is an affordable company to buy it from? How much should my organization pay for a minimal premium?""

Need to start paying for own insurance. help?

So, im 19 almost 20 and im going to be graduating from college this semester, so naturally i have loans that will be due, but i also know that i will have to start paying my own insurances and all that because my parents wont be able to claim me anymore. my question is, how much roughly (average) would it be for health, car, and possibly life insurance?monthly,yearly, however it gets paid. i dont make a whole lot of money so i would like to know about how much it will be, so can figure out if ill be able to afford it all and to make a budget. i dont get any of those benifits at work right now, but i plan to become an apprenctice electrician next fall or spring, which im sure will handle the insurance costs but untill then im some what limited with money. thanks, any and all good help is appreciated""

Are petrol cars or diesel cars cheaper to insure?

How much will my insurance go up with one point on my license?

I live in California and I have Farmers insurance, got a ticket for a speeding back in December and I didn't take traffic school so there's now a point on my ticket. Anyone know if Farmers cares about one point on the license and if so how I will be affected?""

Will my car insurance premium increase for passing a red light in NY?

This is my first moving violation, it originally was failure to stop for a school bus but it got reduced to passing a red light and is now only 3 points. I have a clean record otherwise and my auto insurance is under my mothers name, I am just a secondary driver under her quote. Will my insurance premium go up and if so will it be much? Is there anything that I can do to lower it if it does go up?""

""If you take drivers ed online, will it still reduce your insurance cost?

I am fifteen almost sixteen and i want to take drivers ed online instead of during the school year. If i take it online will it still reduce my insurance cost? I also live in the state of Montana.

Where can i find cheap car insurance?

Im 18 and male and all the quotes i've looked at are coming back from 3000 to 7000, does anyone know where i can get it under 3000?""

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New Insurance?

Hey. I'm 16 and male and I am getting my license in about a week. I know that I have to have insurance to drive alone in the family car. I just would like an estimate on how much insurance would cost. I am being added to my mom's insurance through Allstate, with a family car. Just until I have enough money to get my own. I know it isn't the same price as hers but I know its up there. If anyone can help me out on anything that would be great.""

Loan insurance?

is it worth getting loan insurance? or is the whole thing a big scam

Should i get life insurance or not?

i know the end is near for me and i think it would be good for me to get life insurance ive destroyed myself and my own life i think it would be appropriate for me to get life insurance so the funeral could at least be covered thanks 10 points

What aspects of insuring a car make it cheaper?

I'm new to insuring a car, i haven't bought a car and i'm open to ideas. I know i'm looking for a small engine around 1.0 litre but what else helps to keep the insurance as low as possible? And i've heard Ford KA's are one of the cheapest cars to insure? Any help and advice you give me about what to look for and insurance would be very appreciated Thanks, Drew :)""

How much is typical car insurance for a teenager?

I am a 19 year female in college (in new jersey) and by the time I get my car and licence I would be 20. I was wondering if anyone knew how much typical car insurance would be for me, so I could figure out how much I would need to save up before I get my car. What is the best company to go with?""

Wich car is cheaper for insurance?? 93 civic hb or 91 talon non turbo?

im 16 i would also like know how much cheaper sedans are on insurance than coupes.........and if hb are cheaper than coupes also thanks

""Why do the Cons enjoy that insurance premiums are avg. $13,000 per year?""

And expected to get up to $25,000 within ten years? Do they enjoy that average Joe might spend about half of their annual income on insurance? I'm interested to know how either s bankrupt nation or an illness plagued nation is good for the country. ? These statistics are all over the news today""

""Can a person with a driver's license but no insurance, legally drive another person's car?

I live in Pa. Can a friend who is a licensed driver but has no car insurance drive another person's vehicle legally? What are some problems which could happen?

Could health insurance work if we used the free market system?

The history of Health Insurance is that employers started offering it as a benefit as a way to entice employees to work for them. Prior to the Affordable Health Care Act, the only real choice consumers had was to go with whatever their HR Director, or Benefits Director, said they could have. I've wondered for a long time, why does health insurance not work like car insurance, for example. Why not completely seperate the relationship between Health Insurance providers and Employers and let people get Insurance from whomever they choose? That way, if you change jobs you can just keep your insurance. If your insurance company is screwing you over then you can go somewhere else? I am not a finance or economics expert. Can someone please explain to me why we don't severe the dependency between employers and health insurance?""

What is the name of place where I can go to pass some test of driving and get lower prices for car insurance?

What is the name where I can go to pass some test of driving and get lower prices for car insurance? I remember smb told me if I go there and pass test they will provide me documents allowing me to decrease my insurance for car. Currently cause I just got my license and had no any experience of driving, I am paying about $780 for 6 months. How can I go down on that price?""

Motor trade insurance for 46 year old and a named driver at 18?

Currently have an motor trade insurance policy with motrade. However they are closing down so need to find another insurance company. The problem is that the name driver is only 18. Motrade allowed named drivers from 17! Does anyone know of an motor trade insurance company that will insure an 19 year old on a policy. The policy holder is 46. Thanks! :)

Any 17 year olds just got car insurance? (UK)?

Hi, I was wondering if anybody aged 17 has got car insurance recently and would be able to tell me how much they paid. I've been told 3k-4k but when I look on the internet most people are saying 800-2k even if you haven't just got insurance which of the two price ranges is more likely for me? I live in an area where car theft is low and I can keep the car in a garage. I'm a 17 year old male.""

What is the cheapest car insurance agency???

Car Insurance...????

How much would it be for a 16 Year old boy to be added on his parents insurance policy... Completed Drivers Ed Lives in Baltimore, MD Has really good grades It would be liberty mutual if that helps... thanks!""

""To obtain my permit in the state of California, do I need to have my parents get insurance for me?

Or when I apply do I have to show proof that my PARENTS have insurance?

Was it wise for me to cancel my car insurance?

I had gotten into an accident. ICBC says it's 100% my fault, and I did just file an injury claim for myself and my family members that were in the car with me. I don't think my car is drivable, but if it is, then it's not worth fixing because I don't have collision and it would cost more to fix than how much I had bought it for. What I did yesterday, was cancelled my car insurance. But I was just talking to someone who told me that it wasn't a good idea to do that. And now I'm doubting myself. Will this be held against me? The person in the other car claimed injury and her car is also damaged. Did I just dig a deeper hole for myself?""

Where can I find cheap dental insurance for braces?

I'm 20 years old and I work at Wal-Mart...I'm not sure if I'm considered to be full or part-time.....some weeks I work 40 hours and some weeks I work 32 hours....I REALLY need braces and I have no insurance and I'm clueless to all of this....if I can't get insurance through Wal-Mart...where else could I get it? Help!

Does getting stopped by the police affect your car insurance?

i got stopped by the police a couple days. i had my car insurance and everything. He took my license plate number. . will getting stopped affect my car insurance in any way?

""If i trade in my car, which doesn't have gap insurance, and get a new car with gap insurance will the total lo?""

I owe $13k on my current vehicle and am looking for an upgrade. we've had horrible weather the past few months and am afraid of wrecking the (potential) new vehicle and still being stuck with a bill. would gap cover the entire cost of the loan, i.e $38k= 13k owed on my car plus the 25k for the new car.""

Would my car insurance be expensive?

IF I WAS TO GET A 2005 NISSAN MAXIMA CAR WOULD THE CAR INSURANCE BE EXPENSIVE.........

Best insurance company for full coverage?

What's the best insurance company that's pretty affordable?? I am financing a Toyota Camry (new) and need full coverage. I have a DUI on my record but have my license. I'm 21. =\

Health Insurance for a College Student in California?

I am a 19 year old who is a full time student in college. I just moved out of my parents home a while back and well I dont have Health Insurance. I'm in desperate need to see a doctor and as well as a Gyno due to menstruation problems and I tried applying for Medical but on the application it said i couldnt go further unless I was a pregnant person or have children. I just need a affordable plan. Any suggestions for a new-adult?

Do I Really need to tell my insurance company about my Conviction?

Hi, 4 and a half years ago, I had 2 speeding convictions. Both with 2 months. My driver is European (German) so there is no paper part and no part which shows points. My insurance runs out in 4 months however today I realised in the insurance papers that it does not show my convictions. I called DVLA and they informed me that the convictions had been removed because they were over 4 years old. My insurance ask about convictions from 5 years ago, Should I tell them?""

""What do i do first, title or insurance?""

so i figured out what insurance company i'm going to use, and my cousin is giving me her car. do i need to get the title of the car before i get insurance or do i have to get insurance first. i'm 17 by the way.""

Questions about car insurance(Personal Injury Protection)?

http://lh5.ggpht.com/_4cB1MyCtlwM/TN8WP-b6ciI/AAAAAAAAA70/PKN_oape-9s/PIP.jpg http://lh3.ggpht.com/_4cB1MyCtlwM/TN8WQEQb-UI/AAAAAAAAA74/K7-lBKERzf8/GEICO_%E9%A1%B5%E9%9D%A2_1.jpg It is my first time buying an used car, the car does not worth too much money, so the insurance is more about people, not car. Can someone help explain the choices in Personal Injury Protection ? Especially for the word waived , what does the word mean here? Is my car insurance(amount) reasonable? How is the geico price? I did not compare with other insurance companies. Thanks.""

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Car insurance cancelled?

i have been with the same car insurance company ever since i past my test 3 years ago, 2 years ago a neighbour accused me of backing into his car I NEVER, i phoned my car insurance company to notify them there was a claim being made against me just to keep them up to date in case they had a phone call from anyone!, Anyway after weeks of Police investigation i managed to prove i was not involved and no claim was ever made, i thought this had all disappeared but now 2 years later and still with the SAME company they are saying i have lied on my no claims and have told me by letter they no longer wish to insure me, then 5 days later they took there payment from my bank ? i only received the letter this morning (sat) and none of the offices are open until mon, i am so worried they wont reinstate my car insurance ? has anyone else been in the same situation ? and what was the outcome ? ( and they also said in the letter that i would have to pay the outstanding amount on my policy withing 7 days or they will send me to a debt collector ?""

Metlife Autoinsurance claim. Will rate increase?

I am under my parents metlife auto insurance.. recently my 03 DTS was hit in a hit and run while parked in the parking lot and my right bumper is cracked and tailight is slightly damaged.. I took it to local body shop and got an estimate of $932.00 for repair. Insurance deductible is $250 There are no claims on my familys auto-insurance, My parents are to worried that it may increase their insurance rate if a claim is filed... When I called Metlife to ask them would there be an increase if claim was filed they gave a B.S. answer saying that they dont know until after everything is done and then they decide.... So from your guys experience do you think rate will increase?........ If I cant proove that it woulnt increase its looking like Im gonna have to pull $932 out of my pockets""

Do I need to be insured to test drive cars I want to purchase?

I am looking to buy a new car, so far I have test drove 3 cars this week and my colleague at work has just notified me that I am probably breaking the law. I am buying a car either through auto trader or ebay (Fiat Stilo incase anyone is selling) so most the sellers are private, I currently drive a VW Polo fully comp, does that insurance not cover me to drive someone else's car even if they are in it ? What about their insurance, does that not cover me ? And if I'm not insured, what would I have to do to make sure I am not breaking the law ? A temporary insurance costs me nearly 100 as I am quite young, its an absurd amount to pay just to test the car (about 10%) and its completely ill advised to buy a car without first test driving it ? Regards Omar*""

Insurance for teenage mustang driver?

Ive made enough money from my jobs. I have enough to buy a newer mustang (definitely not the newest one but over the 2005 brand) with help from my parents and grandparents. They are all throwing in 2000 dollars for me. But anyways, some backround information, I'm a teenage girl, have taken the driving defensive class, drivers ed, and also get higher than a 3.0 grade average. Would insurance be very high still?""

What's more expensive in America? Healthcare or Health Insurance?

I keep hearing Americans spend more on health care than other industrialized countries. and I also hear they spend more on health insurance. So my question is: On average, do we spend more on Healthcare or Health Insurance than other countries? Or de we spend more on both?""

How much will my insurance cost?

If i was 18yr old with a 92' 240sx with clean driving records how much would my insurance cost? any estimation? how about 17 then?

Health insurance just for the baby?

What health insurance is out there that i can just get for the baby? My current job offers family coverage to what i have now but it will be $83 EXTRA per WEEK for family...thats over $300 per month! i was wondering if there was a health insurance program that would do just the baby. THOUGHTS ANYONE?

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! :)""

First car accident - forgot to get insurance info?

I just got into my first car accident ever today. I have his license #, plate #, address, cell number, but I totally forgot to get his insurance info. The CHP officer did come and file a report though. Do I still need to get it or amI ok? Am I supposed to report to my insurance company now or wait until 5-10 days after the report is finished? Sorry, this is my first time so I don't know anything. My car is is a 95 Honda and he drives a Lexus. There were only some scratches on his car (very minor damages) and mine is pretty bad. Any advice would be appreciated. Happy Vday to me. =[""

Where do I get cheap car insurance in california?

Do i need motorcycle insurance to get my tags?

I have my first motorcycle, a green 2002 kawasaki ninja 250, green of course. I am working on getting insurance but its going to take about 5 more days. Can i get my tags without insurance?""

What kind of cars are good for teens insurance wise?

I know it depends on where I live and many other variables but I'd like to know in general what gets the best rates. I'm looking at a 1993 chevrolet s10 5speed with a 4.3l v6 right now but I don't know how the insurance would be on it yet. I'm 18 years old in Canada and I've been driving for 2 years total (1 year g1/permit 1 year g2 class license) and now I'm about to go for my full g license. What should I be looking for? import/domestic? engine size? number of cylinders? cars or light trucks? size of engine in relation to size of car? I thought I might get some relief on the s10 since it's domestic, manual (less people want to steal?), I can make some extra money at work, and since only 3 people can fit (originally a 2 seater) less people would be injured in an accident? I don't know, what do you think i should be looking for?""

Do I need to buy car insurance before driving a used car that I purchase home?

I am thinking about buying a car. I won't know if I'm buying this used car until I go look at it. How do I drive it home, if I won't have car insurance at the moment that I buy it?""

Roughly how much would the insurance cost on an Audi A3 1.4 cost at 17?

""Car accident, no insurance?""

I just got into an accident 5 days ago. I still don't believe it was my fault if anything maybe both of ours. Regardless she had minor damage. She was on the phone obviously not paying attention as I was pulling out of the driveway when she was attempting to pull into a drive way across from the one I was pulling out of. So as you can imagine it's hard telling. We both have scratches on our left hand side bumpers but she has a dent that can be fixed. She had her friend with her so it was hard to really even defend myself because it was her word against mine. She called the police, thank God they passed because no one was hurt. They just told her to take down my information and deal with it. She took down my license plate, took pictures, such a drama queen, it honestly wasn't that bad. She has my license number too but when I when I went to call my insurance provider, they said it wasn't renewed. No police report, and she hasn't called me with a quote. How much trouble can I get in??""

About how much is car insurance in British Columbia?

About how much is car insurance in British Columbia, particularly Vancouver or nearby? Perhaps if you could share how much it costs you or someone in your family with a good driving record. Perhaps give a hint of what car you have, liability limits, etc. In the U.S., you can get online quotes. For Canada, I've never seen anything like it.""

I'am 16 and does anyone has an idea how much would be my car insurance. i live in toronto?

16 yr old and wondering

How does the age of a car factor into the cost of car insurance?

Obviously there is more than one factor that influences the cost of car insurance. I know that when a car is newer, it usually costs more to insure than a car that is older. For example, a 2009 Chevy Impala is more expensive to insure than a 1983 VW. But, suppose I bought a vehicle like a 1957 Lincoln, 1955 GMC, or a 1956 Plymouth (or some other car from that time period)? If it wasnt something that people easily recognize like more popular cars from that time period, would it cost less to insure? (They arent as recognizable or popular, in the sense that if one was driving a 1957 Chevy, or a 1959 Cadillac or a Thunderbird, most people would instantly know what it was, but if I drove a 1957 Lincoln or a 1955 GMC, most people wouldnt immediately know what it was.)""

USAA Full coverage auto insurance covering theft?

Last night my husband and I were hanging out with some friends and someone broke into all of our vehicles and stole stuff. However, my husband and I drive a 2009 Mitsubishi Lancer and it was locked, yet someone managed to get in without causing any damage whatsoever and stealing our xbox 360. Weird thing is, my purse was in the car with everything in it, and so were the guitars for guitar hero and our entire CD case, and the only thing that was stolen was the xbox...Weird I know. We go through USAA and have full coverage. My question for anybody who knows or has a good guess is, do you think that our insurance would cover that? We don't have a receipt or anything since it was bought so long ago. Thanks for all your answers in advance and remember best answer gets 10 points =] Happy answering! Amberly""

Cheaper on insurance 1980 lincoln or a 1995 blazer?

i have a 1980 lincoln mark VI it has a 351 (5.8 liter engine) and a 1995 chevy blazer im 16 and im trying to decide which one to drive they both get the same gas mialage about cause the blazer is an suv so im deciding which would be cheaper on insurance for a 16 year old i think the blazer but im sure hoping not cause the lincolns prettier lol

How do Insurance companies pay for medical bills?

I was in an accident last year that led to me being in the ICU for a few days. I incurred a hefty medical bill as a result. The accident was not my fault, and the driver was insured. I am going to a mediation to decide how the money the insurance company can pay will be divided between those of us that were injured. My question is, when we come to an agreement, will the insurance company send me a check or will they send a payment to the hospital where I owe money?""

Can I get decent car insurance through Aetna?

I have them as health coverage through work. I just moved from FL to DE and my insurance through Geico DOUBLED!!! I am trying to find a better rate.... any ideas? Thanks

Car Insurance???????????????????

I am going to be 17 years old in April and I want to get my license. I was just wondering how much my insurance would be. I am a male and I live in New York, more specifically my zip code is 11040. I am a good student (3.5 gpa) and I have taken drivers ed. With these discounts how much do you think my car insurance would be with State Farm (my parents have state farm? And the car i am going to insure is a 2009 Honda Civic (blue). Can i have a specific number range?""

What's the cheapest insurance company or booker they've come across?

The cheapest iv encountered is onlyyoungdrivers.com the next being RAC insurance a few hours quid more, followed by 4youngdrivers.co.uk that is myself being under 25. Also has anyone found it cheaper to ring the direct in attempt to get cheaper quote, iv stayed away from this as of yet because of the cost of calling.""

Should i gain my CBT license to lower insurance on a 125cc scooter?

I currently have a full driving license and interested in buying a scooter. To lower insurance even further should I gain my CBT license or any other awareness courses?

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What's the cheapest auto insurance ?

Is credit used in determining health insurance rates?

I am licensed in GA for property & casualty insurance, so I know credit is used to help determine rates for auto & homeowners insurance, but it is considered in health insurance?""

I just got a great site for car insurance on here... lets go for dental.?

I now need some affordable dental insurance... please send me a site or two?

Insurance company would not like to insure me a sole proprietorship?

I am a film major, a student and very involved in different projects. I decided to open my own film company a sole proprietorship, meaning I DBA (Do Business As). I am looking for liability insurance for my business for wedding and events. They asked me if I was doing any other type of work currently. My reponse was that yes I am involved in being cameraman for one project and editor for another. I have not signed a contract or getting paid for any of these projects, simply volunteer. They came back stating that if they were to insurance me, I as an invidividual would no longer be able to be part of any project or post anything of my personal stuff on youtube. I understand that they are trying to protect themselves and that they are insuring me personally I guess since its a DBA. Has anyone else come upon this problem? I see many videographer put their stuff up on vimeo, youtube etc.""

How much is Car Insurance in the US for a new driver?

Does it depend on the state? Just give me an average price. Im from the UK and my Insurance was 1700 for 1 year.

Insurance for first cars?

When I'm 18 an hopefully passed my test I want to get either a VW scirocco, a Peugeot RCZ or a Mazda mx5. But I've been told insurance companies will refuse to insure me because it's my first far so is this true or how much would it roughly cost Thanks""

How much would you estimate the annual cost of living to be in central New Jersey?

This would be for a simple lifestyle- one bedroom apartment, utilities, food, clothing, phone, internet, cable, basic car, car insurance, gas, car maintenance, computer, pet, gifts, and a one-week basic vacation. You can provide an estimate both with, and without, a basic health insurance plan premium. I am just trying to figure out about how much it would cost to live in this area. Thank you for your advice.""

I'd like a bigger bike but what will the insurance cost me?

I'm looking to trade in my 125cc for a bigger bike, most likely a 600cc, but I'm wondering what the insurance will be considering I have 3 points on my license for speeding. I'm looking to get it for my 18th, and it will be restricted to 33bhp. Can anyone give me a ballpark figure of what the insurance will be? And what bike should I get?""

Scooter insurance/plates/registration. How much?

Im moving to portland maine and my work is going to be only a few miles away, i have a jeep but i wana get a scooter for the lower gas milage and i always wanted a bike of some sorts. so how much am i looking at to buy a scooter insurance and everything else that is needed to start off? im thinking i probly gota get plates registration and insurance, anything else? also if anyone can post some cool scooters that would be nice, i want something thats prity fast and almost like a ninja bike. anyways thanks for the help guys =D ps. I know scooters arnt fast, i just want one that is a little faster than average.""

What's good insurance for young adults?

I'm 21 & I currently have insurance with the car lot I purchased my car from. What are good full coverage but affordable insurances?

Where can i find the cheapest insurance??

im 19. i live in california. ive never been in an accident and ive never gotten a ticket. i drive a 2004 suzuki forenza and i pay almost 200 dollars a month for insurance!!! i have to have full coverage because im still paying off my car, but come on i think thats a little ridiculous.. its more than my car payment. Any idea where i can get it cheaper and if so, how do i go about changing it?? any help is greatly appreciated!""

Two-way car insurance?

if a car is damaged by someone else except the owner, will the insurance pay?""

Cheapest car insurance????

looking for a cheap car insurance guys, plz help""

Home and car insurance question?

I live in Michigan. Do we have to buy our car and home insurance locally, within this county? Or can we get it from any agent in the state?""

Where can i buy cheap insurance for 13 years olds in Atlanta?

I Have a 13yr old and i need to get Cheap insurance for him to play.

I'm trying to get Heath care insurance?

I'm a type 1 diabetic I'm trying to get a job but if I do my current insurance will not pay for my diabetic supplies.My medical supplies are really expensive what are my options ?

Help with Car insurance cost?

ok so im 17 1/2 year old male and ive been driving since i was 15 1/2. As of right now im covered under my parents insurance with Mercury auto insurance and i pay $500 for 6 months of coverage ($1000 a year). I am currently covered for the three cars that my family owns 1996 Acura 2.5 TL (my crappy car) 2008 MBenz C300 (moms) 2011 Mazda 3 (Dads) So heres my question.. My car (the TL) is starting to break down and the cost of service is outmatching the value of the car. So ive been saving up to try to get another car and i am going to put down 40-50% of the money and my parents are gonna pay for the rest. The cost of the car is not the issue i was wondering more about my cost of insurance for the cars that i am interested in. I know that my most accurate response would be from the Insurance companies themselves, but i dont have time right now. I just wanted to know what you guys thought about how much i should pay per month for these cars. So the cars im interested in ( theres alot lol) are: 90's Toyota MR2 (preferably turbo, but i could live without it) Subaru WRX (Non-STI) Nissan 350Z Honda S2000 BMW 330i (coupe only) 00'-04' Ford Mustang GT There are others but i cant remember them right off the top of my head.. I know its gonna be WAY more expensive then what i pay now and that most of these cars are 2 door and 2 seat which will just make it worse. But im really willing to work for it and like i said i pay my own insurance bill. So how much do you think each of these cars cost for monthly insurance? And of the cars listed which would you most recommend?""

""Why don,t we have the auto industry make a car that won,t exceed the speed limit and not start?""

if driveris impared, reducing insurance, heath, saftey and legal cost

How much money does your insurance go up after a car accident that was your fault?

I am doing an essay on distracted drivers and I just wanted to know the statistics.

How much can I expect my car insurance to go up?

I was in an accident tonight where I was at fault. I was turning left, and my view was blocked by a large line of cars with a few large trucks in front, so I couldn't see anything. I inched out a little bit to see if I could see if there was any oncoming traffic and a car came flying out from behind the lineup and glanced off of my front end, and skidded into another car. After the writeup was done, I got a citation for $84.00 for failure to yield the right-of-way while making a left hand turn in a 3 car accident, and got 4 points tacked onto my license. One woman was apparently hurt , when she hit her head on the steering wheel, and said she needed an ambulance, but she walked over to the ambulance when it arrived all by herself, didn't seem too hurt. Anyways, I am 18 years old and this is my first accident. I was wondering how much I can expect my insurance to go up per month and how long it is going to be raised up?""

Insurance high for red cars?

Is it true that Car insurance is higher for red cars? if so, how much more expensive is it?""

Insurance companies will have 32 million new customers because of Obamacare. How is this socialism?

The Affordable Care Act was modeled after a Republican health care plan by the Heritage Foundation and was first implemented by a Republican governor. All this bill does is makes sure that insurance companies have 32 million new customers. I could understand if you called Single Payer socialism (which I highly support), but calling Obamacare socialist is pretty stupid.""

Insurance in USA for people above 45 and below 60?

Hello, My parent just moved to USA (NY) a few months back and my father works at a grocery store. My parents do not have health insurance and I want to get them medical insurance somehow, something that is affordable since my father's job does not offer any health coverage. I am there only daughter and I asked my employer if I can add my parents to the my insurance policy but he said that will not be possible. My dad has been searching for a job which offers medical coverage but unfortunately it is a tuff time to find a job. My mother is suffering from Sciatica pain she went to one of the walk in clinics and got the medicine and ended up paying 200$ which did not do any good. Any suggestions how I can resolve this issue?""

ChEAPEST CAR INSURER FOR?

I want to get either a reno clio 2001 or an old mini. i know the mini is likely to be cheapest. I'm a 17year old male. Which company would give me the cheapest car insurance? DON'T TELL ME TO GO TO GOCOMPARE.COM TRIED THIS ALREADY, AND ON VARIOUS OTHER COMPARISON SITES. Thanks""

Average car insurance estimate?

How much would insurance cost for a 17 yr old male to drive an insurance group 13 car e.g. Mercedes C200 etc - as a second driver! It will be parked in a driveway and is about 8 years old! Thanks for your help

Etoile Texas Cheap car insurance quotes zip 75944

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