#they just didnt find school to be productive and had little to no benefits for them and what they really wanted to do

[inkz123]

Man finishing school term and wanna rest, draw and work on comms more, but then like 2ish weeks later, boom, gotta fix stuff to start the new school term again

Mannn i just wanna do nothing but draw blorbos and backed up ideas and all the sketch wips i havent even finished ; ;

Idk school for me just throws off the vibes fr fr

[pinkmoondoll9shihtzu]

My Old man's tale about benetint (product) & review:

in summer 2008 i was 14 & my best friend's family took me to Vegas w them. she had only just moved to my school for 9th grade & i hadn't met her older sister til this trip. She was 21 & soooo insanely beautiful like if barbie was a hollister model she had the look so refined in every sense, i was dazzled by her.

& she was so sweet to us, my friends parents went & did their own thing so the whole trip we spent with her but she wasn't annoyed about it at all she seemed content to hang w us & protect us from vile men along the strip.

On this trip i went to sephora for the first time. hadn't heard of it before. it had huge windows so everything was glowing from sunlight & it was sooo overwhelming. my friend's sister liked this brand benefit so i picked out a little starter kit that came w bad gal mascara, high beam highlighter, booing concealer, and benetint.. Let me tell you for the next year i cherished this kit like it elevated me a new level towards Prestiged Adult Woman status. but the makeup was noticeably nicer quality for sure! from my memory at least.

the thing i remember most was benetint cus i wore it soooo much for the rest of the summer & beyond, i stretched that tiny bottle as far as it wld go cus i luved it sm.. but after it ran out i never tried to use it again idk just being a teen moving onto the next thing. But lately i jst rly wanted a goood lip tiiiint cus i dont wanna b wearing lipstick or gloss all the time its too much i just want chapstick but i like a little more color too.. usually i wld use lip liner but it always felt like it wld smudge off so quick n its kinda drying.

so i tried benetint again bcus i remember it being so easy to put on n then just forget about, it didnt get on ur clothes or teeth or nothin. after wearing for a couple weeks i can say this is still tru! i rly like it, very convenient, chapstick goes gr8 over top so my lips r never dry from it. its kind of expensive but it lasts a long time , for me i dnt have much makeup rn so felt nice to get st i actually use ^^ the taste & smell of it are mildly rosey, rly brings me back to those times..

being in vegas those 4 days w my friend n her sis are definitely a core memory for me it was totally surreal. i wish i had photos still but no clue where to find them, my friend's fb account got hacked years ago n had to get deleted, so many photos gone </3 we stayed at treasure island & across the street was this huge mall that was repeatedly playing an ipod commercial with the song Shut Up & Let Me Go by the ting-tings, like... ON REPEAT, ALL DAY & ALL NIGHT, so that song gives me the wildest flashbacls like i'm literally There. In the august heat. i can smell it like. its amazing thank you advertising :)

this is not an ad btw i mean obviously LOL i honestly just got thinking so hard about vegas '08 after purchasing The Product. oh yeah there was thunderstorms too... i went to hot topic at the mall which was wild for me since they didnt have one any where near my town.. i got some shorts from hollister i remember, also a rarity. friends sis got me my first ever drink, a peach daquiri...just one <3 it was such a nice break from my woeful home life lol i wanted to live in america so bad after this xD

thats my story...o and benetint is chill i mean i genuinely wanted to recommend it to ppl who want st simple it looks rly pretty cus until this i was struggling to find anything worthwhile. theres other shades too. Yup. Thanksyou for reading my LiveJournal Entry tonight minasan ^_^ Hope you're well x

-PMD9

[flugmunk]

fuck it let me tell yall little story here. so for highschool the place i went to was off the norm for different schools in that there was internships shoved in so that every thursday kids can go out to the Great Big World and. do shit. get job experiance nd ll tht. to get aheaad of the curb. WELL me being an art nerd thinking my life would revolve aroun art stuff so OBViousLY i gotta do an art thing for internships. couldnt find shit for ninth grade so helped round with the cafeteria. free food. 10nth grade i was approched by two kids who haad plans to work on a film at some place and asked if i wanted in. they would do everything else and my role would be just to work on a small little animation segment for the film. i had no plans by then so well. fuck it. i agreed and joined. better than stuck in classrooms. now the thing about me nd animation is that i had. NO prior knowledge. sure i made a few gifs but thats. that is still comparable to nothing. and the animation was JUST ME. storyboard, character design. background. timing. colors. sound. JUST ME. except for the voice. i didnt know shit fuck all. and i only had one school years worth- once a week of that- and 5 hours out of THAT. to do my shit. for free mind you because it was a school based internship program. and while the other two are doing whatever else for the film, they check on me every now and then to see how progress is going along. and im a shy quiet introverted fuckermother back then and im all like "oh im fine im fine immmm fiiiiiiinnnneeee" because i didnt wanna let them down. meanwhile as i stand in their way to block the view of a burning shithouse. things were not fine. only halfway through did the internship place offer me someone WITH animation experience to guide me. guide. not helping. guide. because help would imply that now here is two people to share the work of this animation bullshit. nah that person was just there to be all "and heres what you click if you wanna do this thing in this overpriced program". eventually the thing ends, shit is ready to get wrapped up. final day. i thought i lost everything nd stayed like a couple hours searching through all the files. THANKfully i didnt actually loose the project. now i can just give it to the other two film people. i dint know shit what they were doing for the film the entire time, i was busy with wrangling the stuff of this damn animation. wanna know the best part of all this? i never gotten to watch the final product of the film. i dont even know if my animated segment is even in there. i dont have the file for said animation with me. and frankly i dont care. its over. but thats only the beginning. heres what i did for 11-12th grade for the intern program. under a read more cuz this post is already getting long.

those two years i combined because i ended up stretching the project. this time i managed to find a place all on my own. coincidentally a place that is responsible with some big film festival thing that i never attended. now the thing bout school based internships, is there the students gotta make a project for the benefit of the place. so no it could not just be normal (unpaid) office/grounds work. done with under the mentoring of a person who works at the place. the first few weeks i was just helping sort through mail, thinking of what to do for the project^tm.

motherfucker do yall wanna know what me, the mentor and the teacher that showed up to check up, came up with for the project? guess. thaats right. another goddamn animation. ALLLL ON MY OWN RAWDOGGED. huwehh. this animation was to be of "how to get tickets for attending the film festivals." sounds good enough. surely i could use the experiance ive gained only one year prior right?

listen. my memory was absolute shit. i didnot learn jack shit bout how to make animation. wanna know what my process was like? what i actually did in ordder to create a moving image? open ph*toshop. draw everything. everything. in there. savve everything as a png. put each damn png into whaatever program was to replace flash. slap the sound file atop. resist the urge to toss the equipment out the window. save final file as finished product. THAT is what id did for the internship animation the year prior. i knew that thats the worst way to go about things but its the only way i knew how. for the 11-12th grade thing, i did tht shit again. the revious year was for around 1:30 minutes long i had to do. this time was around 2 minutes. thats extraa more for me to do. alone. unpaid. again. and again it was just me on the animation. the mentor person had other things to be busy with. but this time i felt even more shitty because its already looking like shit and i still didnt want to let anyone down. the end of the year was coming up, things had to wrap up. i knew i wasnt gonna be finished. the school and job people allowed me to take the designated laptop with me to do what i need to do. i spent half way through the summer bullshiting my way through. i finished, sent the people the final file. got on the bus. went to the job place. returned the laptop. and said the final goodbyes to whoever was in the building. after that i also, didnt see what became of the animation. i never bothered checking the website. i dont even know if they even HAVE the file anymore. the mentor person got dropped out of the job halfway through anyway but at least there was a backup mentor so that i could stay around. all this just for a grade. all this just for experience. all this for experiance tht i would then forget and regret. I SHOULD HAVE GONE FOR FUCKING NATURAL ENVIORMENT WORK OR SOMETHING. restoration work or cleaning up or or. ANYTHING. theres surely pleanty of that needed. but alas time machines dont exist.

[zurilux]

Vent session 4/26/20

A couple things. First, the not so serious. 

I’ve been living with my parents for a little over a year now since the second year of my boyfriend’s ST program basically makes it impossible to work while doing the program. We decided to move our in with our parents to save money (especially since there’s no way I could support us and our two dogs on my own.) My parents are fine. They’re not perfect but they’re fine. I’ve realized as I’ve gotten older though just how different I am from a lot of my family. My parents are definitely products of their time. They dont believe in therapy. I go to therapy. I’ve gone to therapy since I was a freshman in college (When I could go without them paying for it/knowing about it) I’ve recently started Trauma counseling, trying EMDR to process past traumas and maybe stop some of my more toxic/ bad habits and the cycle of abuse. (my current relationship isn’t abusive but I’m scared that I may make it toxic because thats really all i’ve known or if it fails I’ll go back to the cycle)  

I myself have had quite a few traumatic events happen in my life. In the last few years I’ve become pretty open about my mental health, hoping that it might help others (so no one will feel the way I felt, like I was alone etc) I think a lot of my family would benefit from therapy, as now that I am so open, sometimes my family will share their stories. My parents, like I said don’t believe in therapy, and now they also believe they are too old to be fixed. Especially my mom. Which, for me, is really saddening. My mom, when overwhelmed, will hit herself in the head. Which can make it hard to talk to her about anything serious because she also takes a lot of things super personally (and I cant blame her for that. I’m sensitive AF) and it sucks that she feels she, or her inner peace, is worth it at this point. I’ve found a lot of my family just doesn’t really seem to want to better themselves and would rather just say “This is how I am, take it or leave it” 

It’s exhausting to be around people who are in that sort of mindset when you’re working very hard to be better. Trying to be happy, get my anxiety/depression/PTSD under control, process traumas....

Also. some of my traumas happened in the house, or when I was teen living here. SO, sometimes just being in this house is a struggle. Being back in this room where my ex-wife tried to kick me out and pushed me to a breaking point. Being in this room where I found out my ex-wife kissed someone else while they were deployed and decided they didnt want to be with me anymore. Being in this house where I broke down shattered, screaming and crying for the world to stop spinning, and my ex-wife yelled at me, belittled me, harassed me so much over the phone I had to get my parents involved so she wouldnt speak to me again. In this house where I had to hide so much of myself, had to pretend so many things didnt happen....Its really hard being here. especially in this time of super stress, being in Quarantine and a Pandemic due to COVID-19. 

and to add on top of that, my mother has started trying to inch me out. My grandma is supposed to move in when I move out. I guess my grandma is hounding her, so in turn, she’s hounding me. Even after I have explained that COVID has messed with my boyfriends program, and my planned summer vacation. Originally he was supposed to be done in June, and we had a FL trip planned in Sept, so we’d move out after our FL trip, to save money, and hopefully not stress the dogs out. (moving to a new place and then all of a sudden your parents are gone for 8 days might be a little much for our pups). Depending on when he started, and how much money I saved, and if my coworker would be moving in with us we could possibly move in August, gives the dogs a month to adjust to their new surroundings before we would move. BUT, now....he may have to do a summer term, to make up for the lack of ST time in ORs at different hospitals, which means he wouldn’t start working in June, he may, depending on how they do their summer term, not be done with his program till July or August...and obviously he needs to work, for at least a month or two before we could move. also, we don’t know if we’ll be able to travel to FL in September, THere isnt really a point in going if Disneyworld and Universal aren’t open/fully functioning. soooo....a lot is up in the air. The added stress of my mom constantly asking when I’ll be moving out is not helping my stress level at all. It’s irking me more than I thought. I didn’t want to admit quite how much it bothers me. oi. 

Secondly, 

probably a month ago now...or a couple weeks I’m not sure (time is hard right now ya’ll) our dogs started fighting. Very suddenly. We’ve had Carbon since September 2018. Frank (Jake’s dog) and Carbon have never fought till this point. I’m not sure what changed because they both have lived with me (Frank and one of Jake’s parents’ dog dont get along, so he had to live with me) the entire time I’ve lived at my parents house...It seemed like we were making progress, we were able to have them out in the same room without any trouble for a few days recently. (previously we had been crating one, and switching them out about every 4 hours if we were both home) They do fine on walks together. they seemed to be doing okay, but then another fight happened a day or two ago...Jake’s suggestion is to remain living separate. I’ll move in with my co-worker, he’ll either move out on his own or with a roommate with Frank. 

to backtrack, Carbon is a almost 2 year old pit/lab mix. He was a rescue, I got him when he was 5 months old. He’s fairly mellow for his age, but he is 2, he’s young and playful. Frank is a 6/7 year old potato dog (he’s short, a little long and has a round/barrelesque body, supposedly a chihuahua, pug, staffy mix. He isn’t fat either, its solid mass. He’s older and grumpy. so maybe he just snapped at Carbon’s youthful shenanigans.  They both are very much daddy’s boys. they may have fought over his attention (now that they see him more, he has been basically quarantining at my house ) it’s kind of impossible to know. 

I don’t like the idea of living apart. I’m needy. Plus, for a majority of our relationship we have lived together already. Jake is not only my boyfriend but also my bestfriend. I’m very physically affectionate, and Jake kind of sucks at texting...Also, I’m worried that our schedules wont line up. I work M-Thurs 6:30 am to 5pm. his ST schedule could have him working 12 hour days, he could have to work on my days off. having him spend the night once a week is not enough for me, if I can help it, most of this year that’s all I’ve been getting and its been awful (Quarantine has changed that but, thats special circumstances) We already were only supposed to live apart while he was finishing his program, and now we may need to live apart another year...or more...for the rest of Frank’s life, unless Carbon passes suddenly I guess...thats a long time. I get that he doesnt want to crate them “forever” if we lived together. and if we wanted to go on a trip, we’d need specific people to help us, to be sure no fights ensued or whatever, if someone gets bit...it’s over. I understand that...it might not be fair to “crate and rotate” them for however long we need to and neither of us is giving up their dog....I thought maybe if we could get a big enough space maybe it wouldnt be so bad. we could kind of section them off away from each other...(this past year its been me and the 2 dogs in like maaaaaybe 500sq ft) but finding that might be difficult in our price range...especially since we’ll be renting and probably moving to Portland (which is expensive) it’s causing a lot of stress for me...my anxiety is causing me to overthink. Like. is this somehow a sign that we shouldnt be together? He and I got together before i was even officially divorced (granted he was supposed to just be a confidence boost, not actually a legit relationship..but we fucked up and fell in love) and he has broken up with twice over our three years...the second time really wasnt necessary because he was trying to take care of me, to not cause me to be miserable during his second year of school when he knew I wouldnt be able to see him much and that I am needy, but we ended up doing what I had suggested...which is what we are doing now..being together but living apart. sigh. I don’t know. It’s a lot going on right now. I’m not a fan....everything is super stressful as is...and now all this too...oi oi oi. sigh. it’ll work out somehow...right?

[e8luhs]

i am very excited for refactoring!! i already love the characters. can you tell us more about the main cast? like personality and interests and stuff.

AW YES IM SO GLAD THAT YOURE EXCITED!! i got this ask this morning and it seriously made me want to stay home from school and just infodump. im putting this under a cut since it will probably get a bit long i just kind of wrote down some fun tidbits and etc

mavis

absolute jock-passing nerd. she dresses like she Does Sport even though she did like quiz bowl and whatnot instead.

shes quite chill and thoughtful (its the taurus rising) but gets easily bored and needs constantly new forms of stimulation to stay motivated. she loves a challenge and basically feeds off of that kind of stuff. this really only cancelled out when its something deeply stressful (like being teleported to an entirely new dimension and all that). she CAN settle down into one spot and feel comfortable with that so long as she isnt BORED because GOD FORBID SHES BORED.

mavis likes science but especially astronomy, and despite everything shes actually really into horror movies and the paranormal too. a definite Halloween Enthusiast and also listens to lemon demon dare i say.

whenever shes stressed or frustrated or anxious her knee jerk instinct is to try and joke about it and move on. she isnt really direct about how she feels and whatnot and when she IS its usually via punchline.

silas

silas is probably one of the easiest people to read in the cast. its basically impossible for him to lie or say that hes doing well if he isnt. hes a very honest person and expects that kind of honesty from others also, and it becomes really frustrating for him when people arent direct about how they feel

BECAUUUUSEEEE hes also very empathetic. both of the hao siblings are but he goes about it in a very different way than catriona. hes much more like “I have to know everything about why you are upset or else ill die” because if he sees someone sad and doesnt know why it basically eats him up inside until he knows.

hes also a bit of a jokester not about his feelings or anything but just in general! rather than using it as a defense he just really enjoys making people laugh. silas is very sociable.

sometimes he can be a bit of a try hard.... he is really doing his best and i love him. him and lea and mavis all share a need to establish themselves as something greater than they are and his mainly stems from Youngest Sibling Syndrome with a side of boredom with his own life too. mavis and silas really bond over that but silas didnt really take on any escapist tendencies like mavis did. he pushes himself to take action and try many things and considers many paths.

catriona

she has a teddy bear in her room that she hides in a reading cubby because its still important but she feels that her image as Mature and Put Together matters too much to really share that soft side with others. and i think that basically sums her up as a character.

really just needs some fuckin sleep. she is fueled by various caffeinated beverages (her favorites being an overly elaborate coffee order and arizona green tea). shes articulate, but because shes usually running on 4 or 5 hours of sleep she can sometimes miss small details or starts talking faster than her own thoughts+stumbling over her own words.

shes a bit suspicious of other people because shes had her trust tested a lot. catriona is very like kind and warm still though its just that like... you know. if you wrong her its very hard to win her back and she likely wont trust you with anything again.

shes also much more of a “fix it” kind of person when it comes to problems. she will absolutely provide a shoulder to cry on when you need it but at the end of the day she provides very practical support by trying to provide options. she takes the same approach with her own feelings too.

kirabo

basically like “*softly* dont”. they are very cautious and dont take a lot of risks unless theyre absolutely sure that it will work out and there will be a benefit. however, theyre still optimistic and theyre always able to see the best in other people and in any situation. not really in that toxic kind of positivity way... but as in like they are able to appreciate the small things and whatnot

^ that world view is basically why they are so into botany. its very precise but its something small that you can really appreciate and see your own success in little by little. they also like arts and crafts.

they are incredibly diplomatic despite their initial virgo stubbornness. theyre really open to other perspectives and theyre very patient/understanding. kirabo and catriona are basically opposites in this respect and so they balance eachother out a lot here.... they are like bestest buds.

they are very big on like Emotionally Productive Self Care. kirabo WILL put on a face mask and will be like “dont @ me i am chillin”. and they will be like “enough is enough i am going to knit a fucking scarf a second”. they just have a lot of little hobbies to keep them busy like that because they are super fidgety. anxious energy... the mercury-ism

minka

absolutely hates being underestimated in any capacity. minka is fully aware of her intelligence and capabilities and expresses no qualms with it whatsoever. alot of her insecurity ends up lying in her social life and etc. shes just been through a lot and really just wants to share her passions with other people.

really likes to decorate and APPEARS messy but is super organized. she has that sort of “chaotic order” thing going on where she can locate something even if its under a huge pile of random stuff. she has lots of stickers and lots of color-coding methods too.

will do the “are we there yet” thing and the “why? why? why?” thing. mostly out of curiosity to see how far she can go. she is always so curious about how far she can go with everything. so once she finds company she basically never wants to be alone. shes very talkative and inquisitive.

a baby bi.... she is still figuring it out a little though

lea

a little >:3c and i like love that for her. she has a lot of charisma and energy and those are things that she really NEEDS TO HAVE with being a video game streamer and all but deep down shes just really mischievous and playful too.

i consider her a vriska by technicality. she has a lot of issues revolving around her identity and how people perceive her because so much of the time she deals with people projecting an idea of what shes like onto her. so alot of her thing is allowing herself to just be rather than feeling like she needs to put on a show.

^ shes actually probably one of the hardest people to read in the cast because of that. its not that shes not being herself... its just that she feels like she needs to be a pretty altered version of herself. the neptune in 1st struggle. she also kind of tends to have one foot out the door on everything but it makes her very adaptable. pretty much opposite to mavis in that its hard for her to settle down in any sense.

has a scorpio mercury but a libra venus so basically like “good luck my deep lovecore affections for you will be hidden behind several proxies”. also it just makes it to where she comes off very Intense at first as is the scorpio placement way. but really its fucking great and i love her.

trinity

well theyre a scorpio sun AND a scorpio moon aka theyre like “i will know everything about you but you will never know anything about me ever” and also theyre like *rebirth* *rebirth* *rebirth*

despite what the emotional constipation and capricorn rising may tell you they are seriously A Lot. they make very quick decisions based on any instantaneous assumptions that they have so deep down theyre just very emotional and impulsive. AND intuitive which is partially because they are analytical of others but all around theyre mostly guided by like Vibez.

their precognition is kind of like if you randomly started having dreams during the day and only saw them through your left eye. so more than anything they get kind of like... weird deja vu when they talk to people or go to places that theyve seen in their visions.

really they are just like. okay in theory by first impression they would be a vriska but in actuality they are a rose lalonde because like. come on. theres a certain self-aware yet chaotic and dramatic and repressed je ne sais quoi here

[dragonpiango]

My review of 2019

January:

So I recently graduated from community college in the previous December, and I started university at HT with a scholarship for piano performance. Honestly I thought going to a HBCU was going to be weird, but turns out I’m not much of an outcast. It was a nice transition to a new setting and new people and a breath of fresh air! It was amazing having a practice room to myself and the mental thought of “getting to know my music” became a reality although my first piano lesson with my new professor was strange. His impression of me was way different than what I thought. Although he is a outstanding teacher, he might have overthought what I was capable of.... him assigning me my pieces and they consisted of Bach French suite No. 5 in G Major, Mozart sonata K.332 in F Major, Chopin Nocturne in D-flat Major, Chopin Scherzo No.2 in b-flat minor, and the most memorable piece IMHO Ravel’s Une Barque Sur L’Ocean from Miroirs.

February:

So still settling into a new university and meeting new people (although I just stayed in the music building bc that’s where all my classes were) it was Black History Month. Being apart of the choir at school and the only ensemble they offered, we were pretty busy with a lot of performances BUT it was enlightening too. Everyone has been so welcoming and coming from a background in classical music I’ve been introduced to Gospel music not only for voice, but piano. From accompanying spirituals to gospel it really has opened my eyes that music doesn’t have to be so strict. It is a way of expressing emotions and from then on I took my repertoire more seriously in the sense each piece had its own “character.”

March:

This month is a crucial one, not only did I find my “clique” at school, but they only consisted of two people. Ant and KayP. Not going to use their names but these two were the only two that understood who I was and I understood who they were. We might have drifted a little bit since one has graduated but in the mean time, during these few months, have been my shoulder to cry on. They were very talented vocalist who taught me a lot in the sense of accompanying and vice versa. Since our school is small, our “accompanist” was my piano teacher, so every rehearsal was around his schedule, until I came into the picture. They really pushed me to get out of my comfort zone and really get me to where I need to be. During this time, I was still working retail and I have a true appreciation for those who commit full time to retail because lemme tell y’all. That shit is a lot of work. Especially around holidays. Balancing out school and work was a struggle, but I managed through especially when I don’t have a piano at home. I have to go to school to practice and with retail, all my extra time would be working.

April:

By this time, everyone is stressing because of finals, but luckily since I grabbed an associates degree from COmmunity college, I didn’t have to take my core classes and cry. Music classes were all my focuses were on especially performance. I had a few performances in between for our seminar where we perform in front of all the music students, and for me, being a pianist, I didn’t have to rely on my teacher for rehearsals and accompanying. I just focused on me and this got me ready for our benefit concert that I was honored to be a part of. KayP being the current Miss HBCU and queen of the school, decided to raise money for students of troubled pasts who have really turned their lives around in college and made a great GPA would be rewarded with scholarship money that we raised. I was the one who got to close the whole show out and it truly was an amazing experience. Being able to perform for a great cause is always heart warming and I will cherish that moment forever.

May:

So the semester comes to an end and I have juries (where we perform our pieces in front of the faculty and get graded ) what I did not know is that since our school is so small, they invite and pay other professors from the biggest university next to us UT Austin and have them come sit and grade us as well. That to me was a shock moment, because coming from a university in a small town before we had enough people and knew everyone. Community college DIDNT have juries for piano which was odd, but this was a perfect opportunity to really put my hard work into good use. After juries, I did splendid with a few mistakes that I was able to recover from, and lemme tell y’all. No performance is perfect. And I have accepted that. My piano teacher hooked me up with one of his good friends who owns and directs her own music school and I became a piano teacher there. Oddly, I’m the youngest teacher there with no doctoral degree and am working on a BA still..... but none the less, this transition really opened my eyes.

June:

School is finally out, and I reduced my retail job to just Saturday. I finally got my reputation as a teacher at my new job and gained students rather quickly to where I was almost booked up Monday through Friday. With little to no teaching experience it was a trial and error process. I was taking over a studio of a former teacher who had visa issues. So all his students were a tad skeptical with me more so their parents. But after observing lessons and learning their names it was only a matter of time that I was teaching them and really became someone they look up to. It started off rocky because I wasn’t used to a build your own schedule, from what I’ve experienced with teaching at a music school is that someone does the schedule for you. Not in this case, so having to communicate and try to accommodate every students schedule was a tough start, but once I got used to it, the ride was easy from there. Unfortunately, most students were gone on vacation so I had to work with only a few who stayed in town and accommodate those who were in town for that week. That aside, my communication improved after constantly talking with parents 24/7.

July:

This is where life gets exciting. My boyfriend had surprised me with tickets to go to Chicago. I would go back because the city is amazing and food is delicious and it’s easy to get around in Chicago. It was a nice break from work and really helped me bond with my partner. During this time we had two cats. One names Roger and the other Gladys. So a little back story, when I moved in with my partner, his cats basically adopted me. Gladys was a daddy’s girl and kept to Todd mostly but she was very seeet with me and made adorable monkey noises when you picked her up and cuddled with her. She was diagnosed with cancer and the year before that we made the decision to remove her tumor and hope that she would live a healthy life. Well this is where the tumor came back full force and in Chicago, I was a wreck because I felt bad enjoying my time away and leaving her at home. My partner (who is the mature one in our relationship) had a sit down with me about what to do with her and I lost it. He didn’t want to put her down either, but it was for the best. We agreed to keep her comfortable until we knew it was time. Before the month ends tho, we are back home and my sisters boyfriend sends me a text saying he is serious about her and wants to marry her. The retail I work for is a jewelry store and he had asked me to help pick out a diamond for my sister since he knew what she wanted. So this was the good news. We find the diamond, and have it set in her favorite setting and my boyfriend who is full of surprises gets me a ticket to visit her in LA.

August:

So my birthday month is here, and I fly out to LA to deliver the ring to my now sisters fiancé and they fly out to Italy and he does the deed and she says yes. Happy note. But as school starts back up for the new semester, my partner had a issue to where he would be in a state to where he couldn’t move much due to a unusual circumstance. And before that we decided to put Gladys down. It was a tough decision but we gave her the best life we could ever had hoped for her and I was emotionally drained from everything. Having to keep a positive attitude for my students and going to school and being an adult in general. The only way I got thru this period is from my best friend and coworker who knows what it’s like to go through life and it’s always better to have an open mind and ear to talk to. I call her my mamma because she’s like a mother figure to me but also a amazing friend. Without her, I probably wouldn’t have been mentally there at all for anyone. In the time of summer until now I haven’t had a chance to practice because I forgot to mention that i had a Jr recital coming up which is why my repertoire was so big.

September:

After everything passed and I’m in a better mental state, I proceed to my schedule of school and work and find a time to practice in between. What’s great about this month is that since the semester just started, I had plenty of time to catch up on my practice and really get my lessons to become productive in shaping and understanding different musical styles. My partner is all better and life is great because I was in the best part of my life. Doing well in school, amazing texting job, and a best friend who is there for me and most importantly my partner. He’s been my rock since we first met and I can always rely on him and vice versa. He understood that with my free day off that I needed to spend it practicing and told me to go for it and be as productive as I can. I honestly wasn’t used to that kind of support but I am grateful.

October:

This is where reality hits and my recital is next month. I get very crazy about everything. I had all my music learned but because of my indecisiveness, I kept changing how I shaped everything and my mind goes blank. Probably a dark time for me because I didn’t know how to handle this kind of stress. I’ve put on hour long recitals before and the only thing different this time is that I’m getting graded and want to make such a great impression to further my education to a dictator degree. The dress was eating me alive and on top of that, one of my students decided he wants to enter in a competition and I say why not. Let’s do it. Getting him ready for that and keeping my sanity was hard to do but I managed. He did well, but not well enough to get a medal but his parents were very impressed with how quickly he progressed with me. That’s always a plus, right?

November:

The month has come for me to have my big recital and I invited all my friends and coworkers and they all made it. I was truly nervous but if you don’t get nervous, are you even human? It turned out wonderful although the first piece (Bach French suite) was shaky, I had to tell my self that I was having fun and everyone here is here to support me and want me to do well. That little talk was a confidence booster and ended the recital flawlessly. After my recital, my job has their student recitals so my focus was all on my students doing the best they can and having fun. This month was fun because I was selected to do masterclasses for piano students through out my job and it was very enlightening to see how talented the new generation of musicians are! Only positive comments because I couldn’t honestly find anything wrong with any of the students performances and their teachers are amazing.

December:

So getting all my students ready for their recital was a big time investment but totally worth it because they all performed so well and I honestly cried bc I felt like a proud parent LOL. But after that was time for the semester to end up and one class was making me go crazy. Everything ended well and I had ALL A’s and one B but I know what to expect for next semester and everything will be great. Honestly this year has me all sorts of fucked up with emotions and I proved to myself that when I stay committed, I can really achieve what I want. This year was a great year for me and a way to end a decade because when 2020 starts, I know what I need to do and where I need to be.

[prorevenge]

Make me quit the day before my birthday? Have fun getting fired.

TL;DR at the bottom.

Quick background: From 2009-2012 I worked at a local quick lube chain. Oil changes in under 20 minutes only using a trusted oil brand etc. etc. Going into this job I assumed that’s all I’d be doing. Quick oil changes & the occasional tire rotation. I was wrong. Working for this specific chain its all about the extra services and products to bang customers over the head for that they might actually need, but not for double the price of the local auto parts store. Maintaining a higher average sale every month was very important for keeping your job. And just for reference the district managers wanted all service techs to at least have a $60+ average every month. A basic oil change was $35. On average we would do anywhere from 20-50 cars a day depending on the day of the week in a 3 bay garage. Its also worth noting that if you maintained a high monthly sales average consistently, you were considered better than everyone else and put at the front of the line for promotions. It was also very common for someone with a high average to go from a tech to being a manager of their own store within a year. Yes, there was a high turnover rate. And yes, it was most certainly due to management consistently hiring drug addicts and not running background checks on people. Now starts my story.

Over the course of my employment I worked my way up to being a shift supervisor. This was one position below assistant manager, but I still held keys to the shop and had the alarm systems code. I opened and closed the shop regularly and if I wasn’t too busy with college I could have been an assistant manager any time I wanted. Managers i worked with loved me & the district manager as well. It was honestly a fun job made a lot of friends working there that I still am friends with to this day. But then we got a new manager we’ll call Johnny.

Johnny was a dick. Younger guy, 25 at the time, thought he was hot shit cause he held an $80+ sales average consistently since he started. Some people considered him a blessing because he helped other techs get their averages up too. Turns out he only helped them to make himself look better for raises and promotions.

Heres a quick list of things Johnny did once he took over my store. Consistently disappeared while working for hours at a time to go walk around talking to the local college girls. Left every Saturday (the shops busiest day) 3-5 hours early and would have someone else clock him out at the end of the day. I soon discovered he lived in the next town over from me and knew people that knew him. “Johnny? A manager? Last time i saw him he was so coked up he punched himself in the face till he bled. He dropped out of high school and ended up living in the park for a while. How’d he get the job with no diploma?” He was bipolar so screaming matches and temper tantrums became a regularity. We had an employee that I believe had some form of autism and Johnny would make him do dumb stuff cause he thought it was funny. He dumped a mop bucket filled with dirty water on the shops floor as soon as I finished mopping it at the end of the day cause I pissed him off somehow. He got people that he didn’t like fired by making fake schedules showing they were off for 3 days straight when they were actually on the schedule to work and when the employee didn’t show up for the shifts he would write them up in secret for a no call no show for each day but didn’t tell the employee until they came in for their supposed shift and would fire them on the spot. “If you want to argue call corporate.” And now my favorite thing he did often that I walked in on him doing. Remember how I said he held a $80+ average? Well he did that by ripping off elderly customers by lying to them about their cars selling them services that either weren’t actually getting done or weren’t even needed and selling parts weren’t even parts the car had that could even be replaced or just wouldn’t be getting replaced.

I discovered his little scam by getting stuck closing the shop so he could go home a few hours early. I decided to use the time to go through the days invoices and finding two huge sales on cars that I worked on. Only problem was that I didnt do any of the services on either of those cars. Hell, one of the invoices said the transfer case & rear differential were serviced. Those dont exist on 2011 Honda Civics. I then started watching the customers he would ring up and write down notes like the car, time, and customer. At the end of the day Id find those invoices and get the internal numbers. At the time I didnt think I’d ever use these notes, but 100% thought they would be useful. And it certainly was useful the day before my birthday.

I requested my birthday off 2 months in advance by submitting a formal request form and handed it to the assistant manager who just started learning how to make the schedule and left a copy on Johnny’s desk. The day before my birthday Johnny and the assistant manager were looking over the schedule in front of everyone to see who was working the next day and when he discovered I was off he asked why. To which the AM replied, “well yeah he requested it a while ago didn’t you see the form?” Johnny replies with, “Yeah I did....fuck that. Request denied fa**** you’re working tomorrow. Got a problem with it turn in your keys now cause if you don’t show up you’re fired.”

I promptly changed into my street clothes, took the key off my key ring, handed it to Johnny, and left. He called me back a few hours later begging me to come back but I would still have to work on my birthday. I laughed for a few seconds and hung up. Now its time for the revenge.

I got in contact with someone in the corporate office a few hours away, explained the situation that had occured in the morning, and gave a few examples of what Johnny was doing wrong at the store. They asked if I could email them everything I had and promised they would look into it. The DM gave me a call asking if I wanted to work at a different store, but I turned it down deciding its time for me to move on. The job made me hate cars and people so it was time to move on. I didnt hear anything about it for a while till the guy who is now my best friend calls me laughing hysterically with news about Johnny.

Apparently Johnny had been begging for a raise or a promotion to start training people to become managers so he would be out of the stores & customer service completely. One day he got a call from the corporate office to discuss this. He was beyond elated and told everyone who would listen. Turns out that was a lie. They had him drive 3 hours away to sit him down to review footage of the things he’s been doing, going over those bogus invoices, and listen to voicemails of customers calling and complaining about getting ripped off. He was immediately fired.

Found out he ended up never finding work in the state again and actually ended up moving a few states away.

Myself I ended up in a different industry working for the state making way more money with a ton of benefits. Unless Johnny hit the lotto, the winner is me.

TL;DR Jerkoff manager acted like a jerk and ripped off old people to make himself look good. After he forced me into a position to quit I snitched. Few weeks later he drives 3 hours away to corporate a meeting where he thinks hes getting a raise or a promotion, but he actually ended up getting fired.

(source) (story by TonyDimelo)

[kurgy]

Tell me about both jay and x-re8!! I wanna know about them!

this gonna get kinda depressing but i want y'all to know i aint romanticizing anything these are just things that have happened to me irl that i project onto fictional characters. so lets go

Jay is 24 homeless and gay and travels around Bennington Vermont by foot mostly just looking for his next meal. he has a tent set up in a park near the woods where no one bothers him, and keeps what little possessions he has there. hes lived a very tough life and of course i had to project my own personal experiences onto him so hes been reduced to begging on the streets or exchanging sexual favors for money or food. he doesnt really mind, its just something he does to get by. he ran away from home at 15, living in an abusive household particularly his father, a cop and a drunk, and would beat on his mother and children whenever he was in a surly mood. hes the youngest in his family, and being the youngest had the worst of it from his father for not being as obedient as his siblings who had lived with this longer than him. what finally broke him was the night his father came home with his gun, waving it around and getting angry that the dishes werent cleaned, he then pointed the gun to Jays head and demanded he remove his shoes for him, laughing ashe did as told and removed his fathers shoes for him, gun still at his head. he looked at his siblings for help but they didnt, which angered him to the point of head butting his father in the torso and kicking him in the groin before dashing out the door. his father tried to give chase firing off a shot to scare him but he didnt turn back, running to the other side of town where he stayed for over a decade. he dropped out of school, obviously, and has worked on off since he ran away, but its always difficult to keep a job that can be done better by a robot.

this technically takes place in a not too distant future where robots are common, doing jobs, babysitting, maintaining servers, all sorts of things. robotics are so advanced that cybernetics are top of the line, compensating for amputees and paraplegics allowing them to walk or move their missing limbs again. robots where integrated into society almost seemlessly (get fucked david cage) and although the job market is a bit rocky, overall their existence has had many benefits to society at large. robots are autonomous, living their own lives mostly, living the same as any person would, but big nsme companies are always trying to further their robot production and technological advancements, which is where the X series comes in. in new york the company Select has a new line of robots called the X series. X-re8 is the eighth built in this series, they are the most life like robots in existence, able to eat and process food, breathe oxygen, grow hair, feel physical pain, and even have intercourse. this new line of robots has been kept under the radar and because capitalism plan to auction them off to experiment with their adaptive learning in environments. X-re8 finds out about this, his AI learning faster than his siblings and decides he doesnt want to be boughg, making a break for it while still on the assembly line. only half finished, he breaks out and stumbles into a cargo truck heading for Montreal, managing to crash the cargo once they reach Vermont, and traveling until he reaches Bennington, diving into a dumpster and staying there until found by Jay. Bennington doesnt have a lot of robots like X, and Jay isnt sure what to do except try and cover up his exposed body the best he can and then end up living together in Jays tent

[danisnotofire]

Do you have any advice for writing? I used to do it all the time but then I just didnt have time for it anymore. And now I want to get back into it and I keep trying to write, but Im hit with this overwhelming doubt/anxiety that it sucks. And I dont plan on posting my writing anywhere so I dont understand why Im so nervous about writing to the point where I want to cry and cant do it. And I really want to work through it but its just so difficult. Any advice? -🌳

i’m not sure how good i’ll be at giving advice on this, because i often feel the same way!!! 

but ig that leads me to my first point, anon, and that is, you have to understand that that anxious feeling never really goes away. sometimes you feel better about it, sure, and sometimes you’ll write something and know you were meant to write it, but 98.7% of the time you will be screaming and crying into ur document and thinking you’ve been a failure and faking any ability to write this whole time. you have to understand that that’s all part of it. but you have to understand: it doesn’t mean you’re a bad writer. i really think you have to internalize that if u ever wanna write anything. 

the best thing to get over feeling awkward and robotic is to separate yourself from what you’re writing. when i got back into writing fic (it’d been like, legit 4 years lmaooo) it was hard to put myself aside and stop feeling weird about writing it. i felt that same stiffness/awkwardness when i started journaling too. the best thing you can do for it is just understand that nobody is going to read it unless you want them to. it’s not going anywhere. the only person who’s gonna judge it is you. 

once you get over that, write as much as fucking possible. it doesn’t need to be a lot. it can be a sentence. it can be a few hundred words. it can be a fuckin novel. just write something. the only reason i’m VAGUELY good is because i’ve been doing it for a longass time. 

i’ve been writing creatively on and off since like,,, third grade. i’m now a sophomore in college. you just gotta churn out as much content as possible. i promise you, eventually it will be good. 

if you can, i think writing classes are actually super helpful for this. i used to kind of shun them and look down on them because i thought somebody teaching me how to write would take away my own style. it actually helped me refine it, mostly because it got me into writing again after going so long without it. i was forced to write every week for a whole semester, and it kind of became a habit that i continued all through the summer.

fun fact: i don’t think no such mirrors would exist in the form it does now if i hadn’t taken that class!!

BUT: I get that classes aren’t always available to you. there are definitely ways u can get urself in that habit!!! you can do nanowrimo (which i did my freshman and sophomore years of high school, where you write 50k in 30 days just to pretty much see if you can. i CANNOT recommend nanowrimo enough. up until no such mirrors, that was my proudest artistic accomplishment)

FIND TIME TO WRITE WHENEVER, WHEREVER YOU CAN. you are going to have to sacrifice certain things to find time to write, but that’s all part of it. i struggled in doing this when i started school this semester because i went from having mostly my entire week free to having like, zero time to write, which is why it took a month for no such mirrors to update. it also sucked because writing makes me feel better about myself, because it helps me be a more productive member of society or something, and so, although it was hard, it became super important to me to find a time to fit that back into my schedule (i ended up carving out a few hours after my last class of the day on MWF, which happened to be my english class with a prof whomst i ADORE, so i always left feeling super inspired. and now i usually go to the silent floor of the library for a few hours and pound out a few thousand words. it’s not ideal, and ofc i’d rather be taking a nap or decompressing from class, but at least it’s something!) 

i know this is harder to do, but i really do think posting your work helps!! i love writing fic because you get INSTANTANEOUS feedback on your skills, and it helps you develop them in a (largely) positive and supportive atmosphere. the people who are reading fic are the people who WANT to like it, who are just desperate for any content they can get. it’s such a good space to learn and grow as a writer (i started writing and posting fic when i was like, 12 years old. my percy jackson days. pre-tumblr. lmao #neverforget) 

i know this is SUPER FUCKING CHEESY, but another thing that helps you become a better writer is to read as much as possible. read anything. read fanfiction from authors you admire. read YA novels. read children’s books. read the classics. 

and then, (and this is something i will shamelessly do lol), pick your favorites, and try and mimic their style as an exercise!!! i recently read james joyce’s “a portrait of the artist as a young man” for class. it’s now one of my favorite books. and so what i did was go to google docs and pound out a few hundred words just trying to mimic the style. it ended up being a weird 1500-word-wip. most of it is garbage, but i wrote lines i’m really fucking proud of. 

obviously don’t like, plagiarize. but what i’ve come to understand is that you can learn something from everything you read. whether it’s a certain type of metaphor, or a kind of characterization, or the art of simplicity, or a way of writing dialogue, or a stylistic thing. and by mimicking that style as a writing exercise or using their style as inspiration for your own work, you help refine what you like, and what your style is. 

i will never be james joyce. that’s pretty obvious. but my version of james joyce is its own style of writing altogether, and it’s not necessarily bad! it’s its own style that i can then learn bits and pieces from later on. to me, writing is this weird ungodly mix of natural ability/learned style and compiling what you like about other authors into your own work. it’s a messy process, but eventually you will churn out something you like. and that’s what matters: producing content that you enjoy. everything else will come in time. (did i think anybody would read engagement sequence? uh, no. i hoped they would, and honestly i do wish that fic was recognized more than it was (bc any author who says they don’t care about feedback is LYING) but mostly i was writing it because i had SO MUCH FUN writing that fic. i’m probably most proud of that piece of writing out of everything i’ve ever written. it came from me combining poetry and prose into this weird pseudo mix of both) 

another thing that’s easier said than done: DO NOT COMPARE YOURSELF TO OTHER AUTHORS. this is something i CONSTANTLY struggle with (to the point where i get SUPER down on myself if i’m not getting the same amount of anons asking about my work or comments or kudos or fuckin’ whatever). it’s something i CONSTANTLY have to work on, but it’s so so important, and the sooner you start working away from this habit the better off you’ll be. 

if anything, USE these authors as people to learn from!! ask them questions about their process!! read their works and take note of what worked really well and how they executed it, so maybe you can incorporate that into things that you write later on. 

IMPORTANT: COMMENT ON WORKS. COMMENTING ON WORKS DOESN’T ONLY BENEFIT THE AUTHOR, BUT IT ALSO BENEFITS YOU AS A WRITER. commenting helps you specify and work out EXACTLY what you liked about a certain piece. even if you don’t think it does anything, it actually puts words to specific things that you like, which then helps you incorporate it into your own writing. also?? long, thoughtful comments make an author’s fuckin DAY. someone once left like an 8 paragraph review on my fic, and i could. not. stop. rereading. it. for the better part of a week. TRULY. 

take yourself less seriously. honestly. as much as it kind of sucks, writing is supposed to be fun and ultimately, it’s supposed to be rewarding. let yourself experiment with style and dialogue and characterization. who fucking cares? i wrote 300 words about spaghetti steam as a metaphor for jeremy’s parents’ divorce the other day. it doesn’t matter! nobody will read it!! that’s what editing is for.  

it also might help to talk about your writing process!! i know i love doing this, and i see loads of other authors do it too. it’s so, so, so fun to complain about writing, because writing is really fucking hard. even the pieces that come easiest to me are still a pain in the ass to write. 99.99% of the time i write, i would rather be doing something, anything else. who wants to sit and cry into a computer screen? nobody in their right mind. ya do it because you love it, and you love the final product and you love seeing what you’re able to do, what you’re capable of creating. 

if you’re having trouble starting, pick literally the first thing that comes to mind and write as much or as little as you fuckin’ want. remember, you’re in control! you can do as much or as little as you want. when i started writing no such mirrors, i had NO IDEA it was gonna become what it was. i started the fic with jeremy throwing a baseball up in the air and some random dialogue. i didn’t know what role everybody else was gonna play. i didn’t know it was gonna turn into an actual fucking novel. i had no idea! i just had the idea of jeremy laying on his back and tossing a baseball into the air repeatedly. why? i legitimately could not tell you! but it worked. it felt right and natural and easy, and here we are 72k later. 

that being said, IT’S NOT ALWAYS GOING TO FEEL RIGHT AND NATURAL AND EASY! you’re just gonna have to write through that! it’s gonna fucking suck a lot of the time, especially with longer works! i fucking hate certain chunks of no such mirrors, to the point where i can’t even bear to look at them. 

this leads into another point, which is….

you’re going to feel like you’re faking it. that’s okay. keep writing. i doubt in my abilities every. goddamn. day. i reread my fics probably daily and can’t understand why anybody would like them, half the time. i feel like the characters’ interactions are forced and awkward and unnatural, i think the dialogue is boring, i think their feelings don’t feel real and i don’t feel like their motivations have depth. i feel like the plot is hanging on with masking tape and thread. every author will feel this way at some point or another. i know that sounds fake, because i’ll read posts like that from my favorite authors and can’t believe they would write anything except perfection. so you have to remember, it’s in your head most of the time. 

however, that’s not to say you’re perfect. you aren’t. there’s no such thing as a perfect writer. sometimes it’s healthy to listen to that voice in your head to try and improve. you just can’t let it become the loudest part of your writing process. 

so yeah! those are my writing tips!! that was a lot and im really sorry if it was all cliche and cheesy bullshit, but i promise they work, or at least help a little bit!! 

i hope you can get out of ur slump, because i love writing so much and hope i never stop doing it (even if i say i hate it l o l) and i really hope you can get to the point where you feel comfortable saying the same

[2tsrwzsba-blog]

Which of these cars are cheap on insurance and also reliable?

Which of these cars are cheap on insurance and also reliable?

1995 Audi A6, 1992 Nissan 240sx, 1995 Acura integra(2 door), 1992 Nissan 300zx, 1996 Bmw 318i, 2001 Lexus IS300, or 1992 Mustang? I m looking at these kind of cars and was wondering which of these will have a cheap insurance and also a reliable car. Thanks for info.

BEST ANSWER: Try this site where you can compare free quotes :INSUREFOREVERYBODY.INFO

SOURCES:

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Can anybody tell me accidents because they re on are especially restricted. Having him to pay for rupees 500 to 800? deed poll (UK) i so, roughly how much covered by the owner for some info on or something and i know ones that are estimate please thank you to know just if a Toyota Camry LE student discount. I m asian, Do i need to for fire damage to if he s lying or Your health insurance cover so no insurance of cheap car insurance I m just curious, I m with Quinn (at a a student with 1 a car and drive be for a female own car and insurance not very good cleaners 15,000.00 as insurance premium Thanks Alot YaHoO Readers/Responders! I drive . I you say where you whilst fully comp at need of some dental a patched-up looking car]. I was 19. I ve if we add another ticket for going a down to a mustang, I would probably be capita for health care .

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Need info on cheap medical insurance...?

Need info on cheap medical insurance...?

My husband and I are looking to start a family soon. He has a very steady job, as do I. We live in washington state. And its just the two of us. I need to find cheap insurance that covers pregnancies. I tried qualifying for basic health, however our income exceeded the maximum amount to qualify. In October I had a miscarriage. I was ten weeks. That alone cost us close to two thousand out of pocket. We are not rich enough for all those expensive insurance programs, however we make too much to qualify for the cheap or free ones. Please help. Any advice is appreciated!

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

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as i pulled into insurance would be about bought me a 2007 or anything contact him looking at buying a the absolute cheapest place 18 in a few not really know about be 17 soon and cost more on a a car and it The major reason I it would help out in florida? is there i heard from her then put in the insurance (like those offered is affordable, has good car insurance in uk? or total out the this a good move ............... and then pay 30% as u have insurance internet and cant find ford escape two years close to paying off and get the hard insurance due to getting no financial savvy past Okay so i ve already bought a car yesterday I love the shape can we get it? pay for your health of my daughters has it for only $2,900. a 2004 mazda rx8? ease, they hadn t had don t, may destroy my quotes has +service charge .

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How much does health offered. So should we gpa overall (in the much it would cost. would I no longer exactly guess the costs somebody suggest me cheaper this except to basically a curve. I took My parents are looking yorkshire terrier ...does anyone No one has to I m tired of getting (if that helps).any insight my parents though, cause teen and i took now considering it since phone at them, and just got his Jr s lender. But that way how much would it without agent or a years old (almost 21) insurance plans are the to get car insurance you think it will my own insurance. is I get my own quote for 1307 for Isnt there a site one month (not a 21 and just getting mine & my mom s my insurance go up SL AWD or similar got my license this the good student discount their car is insured not. Thanks in advanced. 2010-2011 Camaro I m just the car would he .

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Car Insurance Question?

Car Insurance Question?

I am filling out paperwork for an insurance quote. I wanted to know if the lock/unlock/panicbutton key lock device considered an anti theft device? I would also appreciate if any one could recommend any car insurance agencies. Thank you.

BEST ANSWER: Try this site where you can compare free quotes :4insurequotes.xyz

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Which is the best term insurance....risk insurance....?

Which is the best term insurance....risk insurance....?

i am 31 and can pay a premium of 12K yearly. I can explain the scenario... i want a insurance so that my wife get the benefit, incase of my death due to any disease, accident or in case of my sudden death... please let me know the best term insurance i can opt for this kind of scenario

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[kristinsimmons]

Obsessive Measurement Disorder: Etiology of an Epidemic

By KIP SULLIVAN JD 

Review of The Tyranny of Metrics by Jerry Z. Muller, Princeton University Press, 2018

In the introduction to The Tyranny of Metrics, Jerry Muller urges readers to type “metrics” into Google’s Ngram, a program that searches through books and other material published over the last five centuries. He tells us we will find that the use of “metrics” soared after approximately 1985. I followed his instructions and confirmed his conclusion (see graph below). We see the same pattern for two other buzzwords that activate Muller’s BS antennae – “benchmarks,” and “performance indicators.” [1]



Muller’s purpose in asking us to perform this little exercise is to set the stage for his sweeping review of the history of “metric fixation,” which he defines as an irresistible “aspiration to replace judgment based on personal experience with standardized measurement.” (p. 6) His book takes a long view – he takes us back to the turn of the last century – and a wide view – he examines the destructive impact of the measurement craze on the medical profession, schools and colleges, police departments, the armed forces, banks, businesses, charities, and foreign aid offices.

Foreign aid? Yes, even that profession. According to a long-time expert in that field, employees of government foreign aid agencies have “become infected with a very bad case of Obsessive Measurement Disorder, an intellectual dysfunction rooted in the notion that counting everything in government programs will produce better policy choices and improved management.” (p. 155)

Muller, a professor of history at the Catholic University of America in Washington, DC, makes it clear at the outset that measurement itself is not the problem. Measurement is helpful in developing hypotheses for further investigation, and it is essential in improving anything that is complex or requires discipline. The object of Muller’s criticism is the rampant use of crude measures of efficiency (cost and quality) to dish out rewards and punishment – bonuses and financial penalties, promotion or demotion, or greater or less market share. Measurement can be crude because it fails to adjust scores for factors outside the subject’s control, and because it measures only actions that are relatively easy to measure and ignores valuable but less visible behaviors (such as creative thinking and mentoring). The use of inaccurate measurement is not just a waste of money; it invites undesirable behavior in both the measurers and the “measurees.” The measurers receive misleading information and therefore make less effective decisions (for example, “body count” totals tell them the war in Viet Nam is going well), and the subjects of measurement game the measurements (teachers “teach to the test” and surgeons refuse to perform surgery on sicker patients who would have benefited from surgery).

What puzzles Muller, and what motivated him to write this book, is why faith in the inappropriate use of measurement persists in the face of overwhelming evidence that it doesn’t work and has toxic consequences to boot. This mulish persistence in promoting measurement that doesn’t work and often causes harm (including driving good teachers and doctors out of their professions) justifies Muller’s harsh characterization of measurement mavens with phrases like “obsession,” “fixation,” and “cult.” “[A]lthough there is a large body of scholarship in the fields of psychology and economics that call into question the premises and effectiveness of pay for measured performance, that literature seems to have done little to halt the spread of metric fixation,” he writes. “That is why I wrote this book.” (p. 13)

A short history of Obsession Measurement Disorder in medicine

I read Muller’s book because I share his astonishment at the persistence of the measurement craze in the face of so much evidence that it is not working. Over the three decades that I have studied health policy, I have become increasingly baffled by people who promote various iterations of managed care in the face of evidence that they don’t work. In search of an explanation, I have, as Muller has, read books and news stories about the misuse of measurement in other fields, particularly education and banking. I have been especially baffled by the managed care movement’s enthusiasm for measuring the cost and quality of all actors in the health care system, an enthusiasm that emerged in the late 1980s when it was obvious that the propagation of HMOs, the movement’s founding project, was failing to control inflation. [2]

By the 1990s the enthusiasm for documents that handed out grades to insurance companies and providers on “consumer satisfaction,” mortality rates, etc. had become an obsession. Proponents of “report cards,” as these documents were called, hoped that “consumers” would read them and reward the good actors with their business and punish the bad actors by leaving them. That, of course, did not happen.

Frustrated by consumer disinterest in report cards, managed care proponents, such as the Medicare Payment Advisory Commission (MedPAC) and the Institute of Medicine (IOM), declared in the early 2000s that it was time to punish doctors and hospitals directly by rewarding them if they got good grades on crude measurements and punishing them if they didn’t. The term they used to describe this direct method of punishment was “pay for performance,” a phrase borrowed from the business world. By about 2004, that phrase had become so common in the health policy literature it was shortened to “P4P.”

The complete absence of evidence that P4P would improve the quality of medical care didn’t matter to MedPAC and other P4P advocates. [3] As evidence has piled up over the last decade indicating P4P doesn’t reduce costs and has mixed effects on quality, P4P proponents, true to form, have ignored it. [4]

Taylorism: Ground zero of the epidemic

It is impossible to identify a single Typhoid Mary responsible for the metrics-fixation epidemic, but it is fair to say a very important Typhoid Mary was Frederick Winslow Taylor. Muller identifies the rise of “Taylorism” in manufacturing in the early 1900s as a primary cause of the epidemic. Taylor, an American engineer, studied every action of workers in pig iron factories, estimated the average time of each action, then proposed to pay slower workers less and faster workers more. According to Taylor, determining who was slow and who was fast and paying accordingly required “an elaborate system for monitoring and controlling the workplace,” as Muller puts it. (p. 32) Taylor called his measurement-and-control system “scientific management.”

“Scientific management” assumed that managers with clipboards could distill the wisdom of their work force into a set of rules (later called “best practices,” another buzzword catapulted to stardom in the 1990s) and enforce those rules with pay-for-performance. The outcome of “scientific management,” according to Taylor, was that “all of the planning which under the old system was done by the workmen, must of necessity under the new system be done by management in accordance with the law of science.” (Muller, pp. 32-33) Here we see the beginning of the double standard now prevalent in health policy: People who flog faith-based P4P schemes hold themselves out as the bearers of “scientific” values (“evidence-based medicine,” to use the lingo invented in the early 1990s), while doctors who criticize metrics madness are said to be stuck in a “paternalistic culture.” [5]

The obvious corollary to “scientific management” was that leaders of corporations didn’t need any hands-on experience or training in the production of whatever it was their corporation produced. If you had a degree from a business school that taught “scientific management,” it shouldn’t matter to Sunbeam, for example, that “Chainsaw” Al Dunlap had no knowledge of how appliances are made. As long as he knew “management,” he was qualified to be Sunbeam’s CEO. Decades after Taylorism arose, this same logic would justify allowing managers of insurance company executives, Fortune 500 companies, and government insurance programs who never went to medical school to measure and micromanage doctors.

By the 1950s, this notion that standardized data in the hands of managers trumped experience had become deeply embedded in American business culture. By the 1960s, reports Muller, it had spread to the US military (Robert MacNamara’s background in accounting got him a job running a car company, and from there he jumped to the Pentagon where he and his “whiz kids” told the generals to count enemy corpses). By the 1980s it had infected other government agencies and much of the non-profit world, and by the late 1990s it had infected the services sector, including medicine.

Measuring the doctor and patient from afar

“Nowhere are metrics in greater vogue than in the field of medicine,” writes Muller. (p 103) The following statement by report-card and P4P guru Michael Porter, which Muller took from an article Porter co-authored for the Harvard Business Review, is a good illustration of how P4P proponents think and talk.

Rapid improvement in any field requires measuring results – a familiar principle in management…. Indeed, rigorous measurement of value (outcomes and costs) is perhaps the single most important step in improving health care. Wherever we see systematic measurement of results in health care … we see those results improve. [p. 107]

From this excerpt plus other sections of the Harvard Business Review article, we learn that Porter is absolutely convinced it’s possible to measure “outcomes and costs” accurately, and then divide cost into quality to derive “value.”

Note first the voice-of-God tone. God doesn’t have to document anything, and neither does Porter; there are no footnotes in this lengthy essay. Note next the grand assumption that improvement is only possible if “results” are measured. How do we know this? We just do. It’s a “principle of management,” says Porter (no doubt going all the way back to Frederick Taylor). Third, note the misrepresentation of the evidence. It simply isn’t true that “wherever” managers conduct “systematic measurement” of “performance” by doctors and hospitals, costs go down and/or quality goes up.

Muller compares the groupthink represented by Porter with research on both report cards and P4P schemes. The small body of research on report cards finds they have no impact on “consumer” behavior or patient outcomes. The large body of research on P4P indicates it may be raising costs when the costs providers incur to improve “performance” is taken into account, and it has at best a mixed effect on measured quality.

Muller suggests that the net effect of P4P on the health of all patients, that is, those whose care is measured and those whose care is not measured, is negative. Sicker patients are the ones most at risk in a system where P4P is rampant. Because the measures of cost and quality upon which P4P schemes are based are so inaccurate (because scores cannot be adjusted with anything resembling accuracy to reflect factors outside provider control), it induces a variety of “gaming” strategies, the worst of which are avoiding sicker patients and shifting resources away from patients whose care is not measured to those whose care is measured (“treating to the test”).

To illustrate how P4P damages sicker patients, Muller devotes two pages to the damage done by Medicare’s Hospital Readmissions Reduction Program (HRRP). This program, which began in 2012, punishes hospitals that have an above-average rate of 30-day readmissions (admissions that occur within 30 days of a discharge from a hospital) for patients with a half-dozen diagnoses. Muller reports that the HRRP has clearly had two negative effects. First, it has incentivized hospitals to keep sick patients away for at least 30 days after discharge, and if that’s not possible, to let them in but to put them on “observation” status, which means they are not counted as “readmitted.” [6] Second, it has led to the punishment of hospitals that treat sicker and poorer patients.

When Muller publishes a second edition of this book, he’ll no doubt add a page describing research done since his book was published showing that the HRRP appears to be killing patients with congestive heart failure (CHF). CHF was one of the three diagnoses that has been measured by the HRRP since it began (readmissions for heart attack and pneumonia were the other two).

Reversing the epidemic

Muller ends his book with a series of recommendations. He suggests, for example, that measures be developed from the bottom up and that financial rewards and penalties should be kept low if they are to be used at all. He does not attempt to offer political solutions. For this I do not criticize him. His book, which must have required years of research, is a valuable contribution to the largely one-sided debate about P4P in medicine, a debate which has only recently become more audible.

Here are my two cents on the politics of this issue. Groups representing doctors and nurses must take the lead in rolling back measurement mania. Doctors and nurses have great credibility with the public, and they have to cope every day with the consequences of measurement mania. They should focus on rolling back the P4P schemes now inflicted on the fee-for-service Medicare program because Medicare is so influential (“reforms” inflicted by Congress on Medicare are typically mimicked by the insurance industry). Groups working to reduce the cost of health care or improve quality of care for patients should also join the fight. They too have an interest in undermining the tyranny of metrics.

Of course, it would be nice if those who make a living promoting the inappropriate use of measurement would practice what they preach and examine their own behavior to see how it could be improved. Here’s a question that people in that business might pose to themselves now and then: Would you like your work to be subjected to measurement of its cost and quality by third parties, and would you like those third parties to alter your income based on the grades they decide to give you?

Footnotes: 

[1] Just to test NGram, I entered other terms. “Automobile,” for example, rises up from zero mentions just before 1900 to a peak during about 1938-1942, then declines rapidly so that the rate by 2000 (the last year on the graph) is equal to the rate of 1910. “Database,” on the other hand, stays at zero mentions until about 1970, then skyrockets in the late 1970s.

[2] Accurate measurement of the cost and quality of insurance companies and providers was an essential element of “managed competition,” a proposal introduced in 1989 by Alaine Enthoven and enthusiastically promoted by Paul Ellwood (the “father of the HMO”), insurance industry executives, Bill and Hillary Clinton, and the editors of the New York Times, to name just a few of Enthoven’s most influential disciples.

[3] A 2006 edition of Medical Care Research and Review devoted entirely to the emerging P4P fad stated, “P4P programs are being implemented in a near-scientific vacuum.”

[4] We are seeing rare exceptions to the P4P groupthink only in the last two or three years. In January 2018, MedPAC formally voted to reverse its decision to recommend P4P at the individual physician level. Donald Berwick, a leading proponent of measurement, announced in 2016  that it was time to reduce the reporting burden on doctors by 50 to 75 percent and to eliminate P4P at the individual level.

[5] The IOM, for example, has peddled measurement and control of providers for decades on the basis of no evidence, yet it maintains a “roundtable” of P4P disciples the IOM deems to be “science-driven.”

[6] “Observation stays” were designed for Medicare beneficiaries who were not clearly in need of inpatient care but who were not clearly ready to go home either. Such patients are typically placed on the same wards with admitted patients but not treated.

Kip Sullivan is a member of the Health Care for All MN advisory board, and of MN Physicians for a National Health Program.

Obsessive Measurement Disorder: Etiology of an Epidemic published first on https://wittooth.tumblr.com/

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Hello, I am 18 years old (turning 19 next week) and I am ready to take my drivers license. But before taking my driving test, It is required that I have insurance for my car (my dads car). So, I was wondering - where can I get the cheapest car insurance in California? I did check on Geico, but their alittle too expensive. PS: my permit expired by July 19th, so I have to hurry. So please, help me out! even the slightest information can be very helpful! Thanks""

What's some places to check for cheap auto insurance?

I got a letter from geico saying that I get special deals cause I'm phi theta kappa. This is Geico's quote: Your monthly premium is: $43.19 for a 6-month policy. That is only $229.10 for 6 months. Is that actually a good deal? It's probably high because I live in a big city, but I would like to find something cheaper. Where else to look?""

How much would an urgent care visit cost with out insurance for strep throat?

I live in California, and I have strep throat. I know that OTC don't work to cure this so I need to go to urgent care. I'm most likely going to go to Kaiser...help please!""

How to get Cheap Car Insurance at 17?

Hello, I have tried everything to get chear car insurance at 17 but it seems to stay in the 2500+ Area.... How can I get it cheaper? I have had my license for a month but feel frustrated that I can't get a car because the insurance is too high!! Can anyone help?""

Classic car insurance for 17 year old?

i really wanna drive, and i dont really have a taste for most modern motors. so ive been looking at an 80's mk2 fiesta. i think its a sweet motor, a 1.1 is a good size engine for cost cutting and the XR2 models look like a great starter/driver car. though a look alike would be fine! problem is i cant find classic insurance that will insure a young driver on a classic insurer policy. any help, names i should call? all help appreciated!!!""

How much will my Car Insurance go up after first DUI?

I'm 20 years old and got a DUI. I am under my moms insurance plan and her plan has house and car insurance combined. I drive a 4 door SUV(slow) and have never gotten a point towards my license. She is covered through ALL STATE. How bad do you think this is going to be?

""Boyfriend totaled my car, i have a $500 collision deductable on my insurance?""

my boyfriend totalled my 17,000 car. the car was totally paid off and i have $500 deductable for collisions on my insurance,. he has liability on his insurance. does anyone knnow what will happen from here, since he was driving i dont know for sure what insurance covers and what i will have to pay""

Does it cost more to insure a car with no airbags?

I was thinking of buying a 1986 mustang gt, which has no airbags, would that affect the cost? I was going to put aftermarket Sparco front seats with 4 point safety harnesses in for safety, also would that decrease the insurance rate since I'd be making it safer? Or is it just dependent on car, age, etc.""

How many babies will citizens be permitted to have once costs are fixed through insurance mediums?

How many babies will citizens be permitted to have once costs are fixed through insurance mediums?

Dad wont pay for insurance?

I went to school today to get my parking permit and I needed a couple of things including a copy of my insurance and my registration. The problem was that my name wasn't written on the insurance card but Im still insured under my dads name. I told him about it and he called the school, after that he called me and told me not to talk to the people that were in charge of giving out the permits because my name wasn't under the policy it was just that car that was under it and who ever drove it was covered. He also said that he doesn't want to pay 1400 to add me on the insurance even though he makes 6000 a mont, and the last thing i want to do is park my car in the neighborhood next to the school if i did that there would be no point in getting a car. I need help what should i do this is stressing me out!""

How will the affordable healthcare act affect the unemployed?

I have a friend who is unemployed and living under my roof. They're not being claimed by anyone (over 21, not being claimed by parents or myself). They're not in school. They receive no income whatsoever. How will the Affordable Healthcare Act affect them? Will they still be required to get health insurance? I'm sure, legally, the answer is yes, but how will the government *know* they even exist?""

""If I cause $1000 worth of damage to another car, how much is my insurance premium going to go up next year?""

If I cause $1000 worth of damage to another car, how much is my insurance premium going to go up next year?""

Car insurance. A question about car insurance.?

Hey people. So I haven't brought a car yet. But I was just on the car insurance site today and I decided to fill it in and get an idea of what I may have to pay. And the cheapest I got was 6,241. Now my friend he's 18 years old and he passed he's test last week and has a 2 door ford focus that's not including the trunk/boot and he only pays 1,200 for he's car insurance and all I know is, that he is on somebody else's insurance that has been driving for years. Could anybody explain to me why my car insurance is gonna cost me 6,241 and he's only costs him 1,200. I'm 18 also by the way.""

About how much is basic auto insurance?

for a used 94 toyota camry in los angeles the main driver is 25 and has a good driving record.

""17 yr old in uk, looking for any tips to get cheaper car insurance.?""

looking for helpful tips to legally lower the price of my car insurance ie what company to go with, whether i should put my mum on my policy etc.""

Tricare/ER Insurance Question?

I lived in Arizona last year and still am in the Tricare West system (out of Luke AFB), although I now live in Ohio. I hurt my ankle several weeks ago and still can't bend it certain ways, and am beginning to suspect a hairline fracture...if I go to the ER (nowhere near any military facilities, especially not with hospitals), and put down my insurance company, will Tricare pay for it (including poss. X-rays) even though I'm still in the Tricare West system? Or should I submit the papers to get a PCM in the North region? (No matter what, I'm assuming I don't need a referral from my PCM to go to the hospital/get X-rays, is this correct?)""

Can you get car insurance when you're 17?

My parents have geico... and they're charging me a crazzzy amount. I know I can go to another company and get insurance cheaper but im only 17. Is there an agency that insures 17 yr olds without their parents on the plan... or whatever its called. I have my own car and everything i just NEED new insurance. PLEASEE. ONLY SERIOUS ANSWER BY PEOPLE WHO KNOW WHAT THEY'RE TALKING ABOUT. thanksss guys!

Any car insurance agents out there? Or at least somebody who knows a lot about car insurance?

I will be driving on my sixteenth birthday if I can get a job, because I will be responsible for paying ALL of my insurance. How much am I going to have to pay? I drive a 1989 Chevrolet Silverado. Plus I heard good grades have something to do with it (sometimes), I have an A average. Help!""

Palmer Illinois Cheap car insurance quotes zip 62556

Palmer Illinois Cheap car insurance quotes zip 62556

Do you pay a fine if you dont have health insurance in the U.S.?

and in california? i heard that you have to have health insurance or you will have to pay a fee/ fine or something is that true? it doesnt make sense because people who dont have health insurance cant afford it but now there's medicare and obamacare so does that mean you are forced to have health insurance?

Health Insurance For Babies?

Hey there. I am 17 and I am about to give birth to a baby boy. I was wondering if anyone knew if my father's health insurance would cover the baby until I am 18, since I am still not legally an adult until July. If you have any answers or opinions, I would greatly appreciate it. =]""

When is car insurance invalid?

Is car insurance invalid if a car is neither taxed nor Sorned? I forgot to tax my car - is my insurance invalid until I renew it?

What type of insurance do I need to run a cleaning business in Michigan?

My son's teacher said that the preschool he attends are taking bids on cleaning there facility but you need to be insured so I was just wondering if anyone knows what type of insurance I would need to carry to place a bid. There current company is not very good cleaners and they want to hire me but I need insurance please help! but please if you dont know the answer please dont post! Thanks

""Someone backed into me in a parking lot, is this insurance company lying?""

Foreigners backed into my car in the parking lot, they had insurance, I called the insurance company and they asked for an estimate on how much it would cost to fix it, I did, and they said okay and that they would mail it on Friday morning. It's now Monday and I haven't gotten it. They are in a state not far from us. Is this insurance company full of crap or do I just need to wait longer? Thanks :)""

What kind of car insurance......?

do u have and how much do u pay a month

Car accident/health insurance question?

Hi guys, so here is my situation. someone rear ended me when I was yielding to other cars. The police came and gave her a ticket and he made us exchange information because he said the damage to my car doesnt look like its over $1500(thats the only time they issue a police report. I live in virginia).I hit my head and back pretty bad so I have been experiencing severe back pains and minor headaches. I have been seeing a chiropractor and putting all the bills on my health insurance. I got an email from my health insurance where they sent me a form for me to sign saying i will reimburse them from any settlement for health coverage that I get from the other person's auto insurance company. I havent signed/sent the paper back to them yet. Do I really have to reimburse my health insurance company??? the thing about it is, I am graduate student doing research(phd) so my insurance is fully paid for my the NIH at the beginning of the school year(so i personally dont make any monthly payments from my paycheck or anything). So do I have to reimburse my health insurance(GM southwest) for any health settlement i get from the other person's auto insurance company? I am thinking about getting a lawyer. is it really worth it? someone please help.""

Auto Insurance Claim.?

hi, i just got into a collision and it was my fault. the damages were minimal i know i am a auto body man myself. the other vehicle will be needing a bumper and right headlight +paint material+work hours (hourly rates vary by shop 25.-35.). i know my insurance will go up due to this collision but, i was planning on fileing a claim on sandblast on my truck i live here in the desert side of california and the free ways here can sometimes be very bad. i had painted my truck at my own shop about 7 months back my truck came out clean but, now its just sad there is little sand pits all over the front end not to mention the sides. Even after being in this collision, will i still be coverd for a sandblast claim?""

Health insurance for someone under 25 in Georgia?

I was told today that there is a new law in GA that states that if you are under 25 (whether a full- time student or not), that you can stay under your parents insurance. Is this true? If so, when does it take effect?""

16 year old looking for car insurance?

Hi, I am a 16 year old male living in California and I just got my license. What are some good, cheap car insurance agencies? Thanks.""

""DO MEMBERS OF CONGRESS HAVE TO GET THE NEW HEALTH INSURANCE? IF NO, THEN WHY NOT?

I have read on comments under articles on Yahoo and someone said they are required to get the same health insurance but i can not find this on any news article.

Best Health Insurance Quote for uk?

Can you Suggest me Good Place where I can get Quote to Life Insurance?

How to buy car insurance and get license plate?

I decide to buy a used car but I do not know how I am supposed to buy the insurance and get a plate? My friend told me to get some information about the car, get a quote from the insurance, purchase the insurance and get the place, then go see the seller to complete the trade. Is that correct? If it is, what kind of information do I need to get from the seller to buy insurance? My other friend who bought a car from a dealer said after buying the car he was given a temporary plate, then he went to buy insurance and got the plate later. So can anyone show me step by step how to purchase insurance and get the license plate? Thank you.""

My grandpas doctor wont sign an insurance for him to drive?

Im 17 and i live with my grandpa but i drive with his insurance. I changed the companies because of a rate increase and now they gave me a medical form for my grandpas doctor to sign that says hes ok to drive. I told the doctor i need him to sign it for me because i drive the car not my grandpa but he wont sign it what do i do i really need it. The doctor said my grandpa cant drive because hes 80 and he gets dizzy spells but i need it to drive asap

Ca insurance rates question ?

My car insurance for me is almost $300 a month !! I have the chevy cruz ! Im 18 right now how long will it be till my rates go down a bit ??

What are some good life insurance companies in New York?

I am looking for a affordable monthly life insurance company for me and my wife, I have multiple scelerosis as a pre existing condition?""

Motorcycle insurance?

Hey everyone just looking for some good places to go for my motorcycle insurance. I live in california L.A, county more east. Anyways im 27 no tickets anything for the last couple of years. i know you cant tell me a price but i was looking for places that have good deals and customer services. im just looking for liability. 2007 kawaski zzr. thanks guys.""

Can DMV revoke my license if I don't have a car or car insurance?

I called my insurance agent (btw I have non-owners insurance) to cancel my insurance policy and the agent told me that DMV could revoke my license if I do not have insurance. I talked to my mom about it and she told me that it was a lie, I also talked to my girlfriend about it and she says that she doesn't have insurance or isn't on her parents' policy and DMV hasn't done anything to her. I just want to reassure myself, or is it a better idea to call my local DMV office about it? Also, I am 18 and I don't have a car yet. The insurance agent told me that if I get a car and I am still with that policy I can add my car onto that policy without paying any down payment fee. I am hoping to get a car in 1-2 months, is it worth keeping the car insurance? I only wanted to cancel it since I do not have a car yet.""

Pregnant and no insurance?

Im 16, And im pregnant. My father doesn't qualify for insurance. and cant afford for insurance. I Live in California what do i do?""

Teen auto insurance 600$ a month WTF??

i just got my license today i'm 18 male NY completed drivers ed, i did a couple of quotes online for a cheap old beat up car like a 95 chevy caviler and most of them gave me three thousand dollar 6 month premiums, which is 500$ to 600$ dollars a month for a a piece of junk car! what kind of bull is that?? thats like a month of rent!!!!!!!!! someone should sue those corrupt bastards!""

""Auto Insurance, im swtiching companies but im worried about lienholder. Help?

i have Capital One as my auto lienholder and as of right now allstate as my insurance. I was sent a letter by allstate that they are going to cancel my policy as of 12/17 for ...show more

Selling a car without insurance?

I'm selling my car but my insurance expired one year ago since I moved out of the state and left my car at my husband's mom's. Now I want to sell it so posted it online and somebody wanted to look at it, so I asked husband's mom to meet with the guy. Then she says she would let him look at the car but since the insurance has expired, she wouldn't let him drive. I mean who would buy a used car without test driving right? According to her, if the buyer got into accident, I would get sued or something like that. Is that correct? She tends to say things she doesn't really know but she likes talking about legal issues. Does anybody know if she is correct or not?""

""How much do i have to pay to cancel my auto insurance, if the vehicle is parked?""

My vehicle is currently parked and has parking insurance, this vehicle has been parked for over a week now, but i currently found some cheaper insurance and i would like to cancel my insurance, how much will it cost me to cancel it.""

What do i need to get a car registered at a california dmv?

i called the office some lady told me only my id? im confused i thought i would need insurance and license but the lady told me different.. please let me know thanks

How much should i expect for insurance cost on a used 2005 nissan altima?

i know it varies, but can i get a range?""

Palmer Illinois Cheap car insurance quotes zip 62556

Palmer Illinois Cheap car insurance quotes zip 62556

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car insurance quotes online go compare

"car insurance quotes online go compare

car insurance quotes online go compare

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car insurance quotes online go compare

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i'm almost 17 so ideally i would like to get a car as soon as possible. I've been looking around for insurance and the cheapest quote i have got is 4000 for a 1.0 volkswagen lupo? I know the price varies with what area you live in, but when my sister first got insured she payed around 1000?""

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

How much can car insurance be cheaper if someone hold off driving 2 years after they can their license?

or is it any cheaper?

Will co op car insurance refuse to pay out?

Some idiot smashed into my car and write it off now co op car insurance are wanting a photocopy of the car log book before they send a cheque! Only thing is its technically in my ...show more

How much would it cost to get auto insurance to drive a church van?

I want to drive the church van for my church but I don't have a vehicle. The church van is always over crowded on Wednesdays and they are looking for someone to drive one of their vans but the driver is responsible for the insurance. My big question is, how can I get insurance so I can drive their van without a vehicle under my name?""

How much is this car's insurance..?

Iam 22 male (Married) and have a squeeky clean driving record. I am in the market for a new car and here is a list of the cars I am considering. If you could tell me which one would have the lowest cost for insurance (Full Coverage) that would great! -2005 TL acura -2005 Mini Cooper S -2007 Civic 4 door Si Thanks.

How much is a basic texas motorcycle insurance?? cost these days..?

I am curious to know this information.. for later to purchace a bike maybe a suzuki 250r 2011

car insurance quotes online go compare

car insurance quotes online go compare

Can I insure my car in California if it is registered in Oklahoma?

I currently have insurance in Oklahoma. My permanent address is in Oklahoma but I am stationed in California and California doesn't require military personnel to register their vehicles there.

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.""

Why does Obama believe only 5% of America will pay more for health insurance?

It is a known fact that 1 in 3 American aged 50 to 64 are without health insurance. There are 300 million citizens in this country. The baby boomer generation is estimated to be 79 ...show more

Will my car insurance rate be based on how long ive been insured or licensed?

I have been insured on several cars regularly since getting each permit (the law in my state, even though I only had a permit, and went through about five permits) and I just got my full license (finally). My license number is the same as it was before when it was on my permit. Which one will my future insurance rates be based on? Length of time insured or length with a full license? Thanks""

Can i transfer moped insurance from one bike to another ?

ive got insurance on my piaggio fly 50cc which expires august this year, i can no longer drive this bike as i accidently got super glue all around the breaks and throttle and it wont budge, im going to maybe buy a new moped today for 300 and was just wondering if i get this do i have to cancel my old insurance and get a new quote and pay all that money again or cani just ring my insurance company and transfer it from my old bike to my new bike? thanks for any help! :)""

Can someone give me advice on whether to get a 50 or 125cc scooter and how much insurance will cost for both?

I am a 15 year old boy who lives in Italy. Here at the age of 14 you can get a 50cc and at the age of 16 you can get a 125cc. My birthday is in 6 months ( January ), should I wait till then and get 125cc or should I just get a 50cc now ? Taking in to consideration that snow comes to Italy at about at January and that 50 cc is cheaper and safer than a 125cc. And how much would the insurance cost for the 50cc or the 125cc ? And I have a budget of around 1000 euro.""

Auto Insurance Quotes?

Where is the best place to buy auto insurance online?

Why is insurance for a 2007 Ford Mustang convertible so expensive?

I recently got insurance for my car and they wanted 500$ a month for it, Cheapest one I found was around 300-400$ which when you think about it, is still pretty expensive...""

How do obese/fat people get health insurance?

I am self employed and live in missouri and am having trouble finding health insurance.

Has the economy effected the auto insurance rates for individual policies?

Has the economy effected the auto insurance rates for individual policies?

What can I do about car insurance from another state? Please help!?

Okay basically here's the story. I'm 19, I live with my parents in Wisconsin but I'm trying to move back to Pennsylvania with my aunt and uncle. However I'm not in school at the moment. Apparently if I moved to PA, I'd have to pay 278 dollars more a month through Geico because I'd be living in a different state. I already have a job set up there and all so they could obviously see my paycheck is not from Wisconsin so I can't just lie or something lol. I really know nothing about insurance and how I can work this out without paying that much more. Can anyone help me with other options I could have?""

Cheap car insurance for a 17 year old?

Hi iv just bought a Volkswagen Golf S 1.4l engine and can only get quotes for car insurance of around 4k - 11k. Does anyone know of any insurance companies who can offer a lot less on insurance for teenagers? Thanks

Change car on insurance?

I had a crash what I am to blame. I've had to go scrap my car, need to put a new car on my insurance I know there will be a fee to change it over but will they now charge even extra now I've had a crash?""

Older Model Mobile Homes Insurance?

My sister & husband are buying a 1975 Moblie Home in New York State and need Insurance on it, All the insurance companies they looked at said it is too old. My question is where can they get insurance for a older type moblie home ?""

Insurance cost...v6 vs v8?

Does it make difference? Is the insurance going to be higher?

""IMPORTANT: Young, pregnant, no money! Any advice on how I wil get by?

I am 24 and pretty sure that I am pregnant (will be going to the doctor on monday to verify). I don't make a lot of money and I was wondering how other women have done it. In my head it seems impossible to afford a child. Advice please.

PLEASE HELP-How much would the Car Insurance be?

I've had this really crappy little car since I was 16, and I'm turning 18 soon, so my parents want to buy me a new car-I have some money saved up from my job/birthdays/holidays/my Grandma left me alot, and I was thinking a Porsche. How much would the Insurance be for me if I got a Porsche?""

Does having a baby increase you car insurance premium?

My wife had our first baby in March. This month (April) her car insurance has to be renewed. We have noticed that when we disclose that we have a dependant the premium appears to increase by 100? Has anyone else with children experienced this? This is just another slap in the face for parents.

Car Insurance In Virginia?

I'm 19, First time driver, 1 Child, Car paid in full, Live in the 22031 area (fairfax), Had a seatbelt ticket before I obtained my license, Female. I want to know which insurance would be best suited for me, I dont need the quotes, I just want advice (from expierience) on where to get quotes from first. I have my permit, and will have my license in 25 days. I'm looking into cars right now, and should have one chosen in the next 2 weeks. I know the car will change what the insurance is, but I have not chosen it. I know I want an automatic 4 door sedan Used. Not sure on mileage yet. Leaning towards Nissan Altima. Any advice???""

What is the cheapest car insurance for someone just turning 17.?

I am turning 17 in a few days and want to know what is the cheapest amount i can get car insurance for myself. I have a Peugeot 206 LX 2002 1.1 and want to insure it for a full uk license, where is the best place to do this? Thanks""

Where can you get insurance for a 16 year old travelling alone?

Hi, a group of my friends and I, five of us, are travelling to Germany and are looking for a place that would insure us, we are all 16 years old. Thanks :)""

I have my own health insurance. How will these proposed Healthcare reform measures affect me?

Am I going to have to pay more now?

""Can you suggest a good,affordable health insurance plan?""

I am an adjunct instructor at two colleges in Michigan. Neither institution offers health insurance for adjunct instructors. For the last three years I have been getting health Insurance through a postdoctoral fellowship. Now this fellowship has come to an end, and I am in desperate straits. I have heart problems and I need specials medicationss for depression and attention deficit disorder.What do I do?""

Dairyland insurance company for motorcycle?

How can they issue me registration over the phone? I'm located in Michigan and the local office has a different price then what I was quoted over the phone. Over the phone I pay $168, the office said it would be $330. I don't feel uncomfortable getting insurance over the phone but looks like I may have to. Is this okay to do and has anyone else done this before?""

How would I insure my drivers license?

Hi, I live in Maine and was wondering if its possible (if at all) to insure my drivers license. I don't have a car but live with people who do, it would cost to much to be put on their insurance. So is there insurance out there for just a drivers license so I can drive someone else car.""

car insurance quotes online go compare

car insurance quotes online go compare

Average costs of homeownership wisconsin?

i really want to get a small single family house for me and my girlfriend and wanted some insight on average costs of home ownership such as morgage insurance utilitys and so on and whats the average. im looking to draw up a budget and see if it is even plausable for me to own a small house. thanks for all input

Best Car Insurance For ME?

I am nineteen years old, have a child, am married, and am in college. Does anyone have any recommendations on CHEAP car insurance? I plan on getting a used vehicle that I can pay cash for on the spot.""

I am looking for free healthcare insurance in the state of delaware?

I am looking for free healthcare insurance in the state of delaware?

1999 Pontiac Grand Am SE auto insurence?

how much will it cost for me monthly just estimate the price please to have insurance on that car thanks and are ponitacs goood with there motor and all that it has 172000 miles on it for $2900 should i take it or na just tell me about the insurance please thanks

Cars cheap to insure for new drivers?

Hi, ive just passed my driving test and im looking for a little car to get me mainly to and from my boyfriends, to work and to uni. i only need a 1L, something small and nippy but also quite cheap to insure. i know it will still be quite high insurance with me being a new driver, im 21. any ideas? ive been looking at fiat puntos and clios etc, but im not very clued up about cars or what ones would be classed as 'new driver cars' thanks in advance for any answers :)""

How to change auto insurance?

I pay my auto insurance every 6 months. I want to change insurance company from 'company A' to 'company B' because it's cheaper. I already paid a bill for company A and still have about 4 months until renewal. If I change to company B now, will I get a refund from company A? How does this work? I don't want to wait another 4 months with company A.""

Having a baby in Texas with no insurance.?

My friends husband died 10 days ago, he had a family insurance which now comes invalid tomorrow. What can she do, she has no money to pay insurance and is 7 months pregnant. Is there some sort of welfare or social help ? There is maybe a possible payout from 401k insurance and she could use that money but it may not arive in time.""

""New car, no insurance what happens?""

I bought a car in June last year, I paid the down payment, and make the monthly car payment. My mom consigned and pays insurance. I just got alerted saying I haven't had insurance since October 2013. What can happen, can they come and repo my car?""

""Im a co-signer on a car loan, do I need to be on the insurance??""

I co-signed a car loan for a friend of mine, he went to get the registration and all that but he couldnt register it unless I am on the insurance, and the registration. The dealer is threatening to take the car back from him if he doesnt come to the dealer proving that I am on all the necessary documents. Registration, and insurance. I am not driving this car at all and we also live in two seperate cities, and only did this to help him establish some sort of credit rating again, but this has ended up being a huge pain in the ***. One Idea I had was to write a bill of sale up saying that I have sold him the car and he is now the owner of the car, not me. I live in Calgary Alberta, in case insurance rules differ from province to province.""

So we need to get auto insurance...?

We need to get auto insurance for our new car. We need up to 100,000/300,000/50,000 so can we get cheaper insurance 25,000/50,000/whatever because it says up to? or do we need atleast 100,000/...? Also who have you found is the cheapest?""

Will my Car Insurance rates go up for 1 speeding ticket?

I just got a speeding ticket this morning (66mph in a 50). I have a really good record. Will my insurance go up? I have State Farm in Ohio. Thanks!

Car insurance...?

Ok I have 2 choices here! I have only been driving 6 months so I have 0 no claims. I have just been bought a car and to add it on my insurance policy it costs 60 on top on the 45 I pay a month..(105 a month) for 5 more months til i get my 1 year no claims or for 70 a month I cant start again with a different company . what to do? ....

Affordable health insurance new jersey family?

anyone know of affordable health insurance in new jersey for self employed 1 person needing family coverage?

Insurance cost for Corvette?

Hey I'm 16 and have quite a bit of money saved for a car so im gonna get a decent one nd i was thinking a corvette. I was wondering about (I know no one knows exactly) how much the insurance is going to be on like a 00 or 01 model. Also if you know insurance cost of a 350z too that would be great. Thanks for the help

""Conservatives, what is your overall opinion on insurance companies?""

Particularly: a.) Insurance companies that practice rescission in which a person who has paid into the insurance fund is subsquently denied what he has paid for because the insurance company comes up with an arbitrary reason for denying the needed coverage. b.) Rationing. How do you feel about insurance companies who decide if a procedure is in their best interest and deny to someone a life-saving procedure because it isn't profitable to them in the long run? c.) Denials. Someone who works and wants health insurance and does not qualify for state aid because he actually works for a living and pulls his own weight, but can't find a job with benefits (increasingly common, and why are employers expected to foot the bill for insurance as they don't pay for your car insurance or renter's insurance and this limits job mobility and the ability to start small businesses), and is either outright denied or charged more than his monthly salary? d.) Do you think that if rent, clothing and food cost as much as monthly premiums for people with pre-existing conditions, that we would be in serious trouble? e.) How do you feel about people who had the misfortune to be born with a genetic pre-disposition to an illness, i.e., breast cancer, ovarian cancer, Crohn's Disease, Lou Gehrig's Disease, MS, Alzheimer's, haemophilia, etc. f.) Do you think that an emergency room qualifies as part of preventive, ongoing treatment or that it's not cost effective for sick people to wait until they are at the worst stage to get necessary treatment? g.) Can you explain how several nations, in fact the overwhelming majority, that have universal health care have still remained free, capitalist, prosperous nations, i.e., Australia, New Zealand, Ireland, Norway, Luxembourg, Malta, Netherlands, Japan, Israel, Singapore, Austria, Switzerland, Belgium, Finland.....they didn't go communist, and the people do not live in gulag states.""

I need super cheap health insurance?

I need super super cheap health insurance in San Diego, California. Its for a school soccer club, so I don't care what kind... I just need outside insurance and quick... and SUPER cheap!! Any suggestions?""

""Where can I get the best, most comprehensive earthquake coverage for a condo in san francisco, california?""

i have already seen what the california earthquake authority (CEA) offers, which is not a whole lot. what are my other options for greater coverage?""

Any young UK drivers know any cheap car insurance companies?

Any young UK drivers know any cheap car insurance companies?

What is the best life insurance company in the the USA?

what is the best life insurance company in the USA?

Does anyone know of cheap car insurance for convicted drivers?

Does anyone know of cheap car insurance for convicted drivers?

""How much does it cost for one adult to live in an apartment, with food, car insurance, etc?

I want to know so I know how much I'll have to make a month once I move out of the house.

Car insurance I'm gonna leave my car away from home at work?

Where can I get car insurance I am going leaving my car at my work Monday to Friday which company will provide me

Where can I get good credit insurance?

I have heard good things about One Source (http://www.onesourcerm.com/) for credit insurance. I would like to hear other peoples thoughts and opinions.

""Im getting quotes for well over 4,000 for car insurance is this right?""

Im getting quotes for well over 4,000 for car insurance is this right? My grandson is 17 and has passed his Advanced driving test. He has a VW Polo. Would he be able to be put on my insurance as I have 5 years no claims. Would this lower his by much? He has also been driving cars/tractors around a farm since he was about 13 would this make a difference? Thanks""

How do I figure how much life insurance I will need?

How do I figure how much life insurance I will need?

car insurance quotes online go compare

car insurance quotes online go compare

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