#yes i am extremely worried about my finances now that i have a ton of medical stuff to deal with

[astramachina]

did you guys know i'm a writer? yeah i had no idea either.

anyway, AMAPOLAS IN THE DESERT is a new short story (3.4k words) that just went up for free on patreon if anyone's feeling zesty and wants to read about a displaced latino roaming the american southwest, coming across a questionable watering hole, getting flirted with by trickster gods, and getting torn asunder by a trans woman who may or may not be a primordial deity.

but also, for like a whole $1, you can get access to a T4T sci-fi romance short (8k words) inspired by H.G. Wells' The Time Machine.

but also also, i've got a couple of nonfiction essays dropping next year where i set out to piss people off by arguing that their favorite pieces of media are grossly mis-categorized (in a fun and non-judgy way; and who knows, it might make it onto podcast or even video format if i can afford to outsource editing). among other things.

[surveys-at-your-service]

Survey #314

“as above, so below  /  what you reap is what you sow  /  what you give comes back threefold  /  as above, so below”

What do you do for work? I'm currently unemployed. I only get paid now and again to do pictures for people. What would you ideally like to do for work? I'd love if I could just be a photographer. What are you doing in order to achieve this? Practice and shoving my extreme discomfort about it aside and trying to promote myself where possible and not in an overbearing manner. What do you think is the worst being on the planet? "Rapists, pedophiles, abusive people in general." <<<< This. Anyone who disrespects the existence of other and equal people. Have you ever been arrested? If so, what for? No. How big an age gap is between you and your siblings? My immediate sisters and I are two years apart. My half-siblings, I don't know. I don't have their ages memorized, but I do know 5+ years, some even 10. Do/did your siblings cause trouble? Not really, we were good kids. What's your dream vehicle? I don't really have one. Are you good at taking care of your finances? What finances? And I don't mean that happily. What's your favorite comic strip? I don't have one. How many people have you texted today? Zero. Someone cheats. Second chance? Nope, byyyyeeeee. Thoughts on kids? Clay that I'm not playing with. Are you a risk taker? No. What are you listening to? I'm currently going through a phase of playing The Evil Within 2's theme nonstop, jc. Is/Was your high schools dress code strict? Not like, mega strict, but it still was overboard. No spaghetti strap shirts, and I even once got in trouble for wearing a floral mesh shirt, despite having a normal tanktop underneath it. It was weird, like no one had ever had a problem with it before, it was just this one teacher that I passed in the hall. Who was the last person to request you on a social media network - and did you accept? Someone I didn't know, so obviously not. Who was the last person’s vehicle that you rode in? Mom's. Who was the last person to make you laugh or smile, and why? Another current obsession of mine: John Wolfe, another let's player who I think is super funny. He said something that made me snicker before I turned on music and started this. Who was the last person that you took a photo with? My half-sister while she was visiting. Who was the last person to pay you a compliment, and what did they say? In group therapy the other day, one of the other women told me that even if I don't believe it, I bring so much positivity to group and she was really happy to be there while I am. I was so so super flustered but flattered, too. Who’s the last person that you visited in the hospital? My mom, following her surgery. Who is the last person that you lent money to? Actually today to Mom. What was the last food that you ate? I warmed up a burger for dinner. What did the last pair of footwear that you wore look like? They're just black flipflops. What was the last kind of bread that you ate? Just plain white bread. What was the last app that you downloaded to your phone? Oh wow, I never do this. I want to say it was a game for my niece. When was your last work shift? I haven't worked in a long time, so idk. When is the last time that you had trouble falling asleep? This is literally every single night. When was the last time you saw a significant other? I ain't got one'a those. When’s the last time that you took a risk? What was the risk? Well, I did say I'm not a risk-taker... Where was the last place that you went on vacation to? You know, how long does it have to be to be considered a "vacation?" I would say not since I went to the beach with an old friend, but it was literally a day. Where was the last place you got lost? uhhhhhhh Why did your last relationship fail? We need to work on ourselves before we could properly support each other and stay in a healthy mindset. Why did you leave your last job? I couldn't handle the stress of serving people and having so many responsibilities at once. How long has it been since you last visited a doctor? How about a dentist? I literally went to the doctor today because I had a follow-up appointment about my weight gain again. I haven't been to the dentist in a few months; I had a normal cleaning my last visit. How big was the last fish you caught? Oh boy, this is stretching years back. It was probably something small, idr at all. Give me the first initial of your last name? D. Something in your home that’s on its last leg(s)? We just moved here, so nothing that's a part of the house itself. As far as items we actually own, idk. Where do you purchase most of your clothes? I haven't gotten new clothes in so long, idk. I would probably say Hot Topic. Describe your skincare routine. I don't have one, if I'm being honest. I just shower. What’s your typical morning routine look like? I don't have one of those, either. The only thing that's consistent is going to the bathroom, eating, and taking my meds. Even brushing my teeth, the time of day when I do that (if I'm not leaving the house) varies. Then it's time to just binge stuff on YouTube and do whatever on the laptop... Are you still playing Animal Crossing? I've never played it, actually. How has the pandemic specifically affected you? It's caused a lot of stress worrying about my mom falling ill, given her being immunocompromised. It's also held me back from searching for another job (even though I don't know what I'd go for, anyway...), because I absolutely refuse to risk bringing Covid into this house by leaving it daily or whatever. What is your main source of anxiety? Being mentally ill, really. It just affects a lot. Any bands or artists you’ve recently discovered? Not very recently, no. What kind of games do you play on your phone? Just Pokemon GO nowadays. Do you have a specific aesthetic? It varies. I love dark, gothic, and gory stuff, but then I also love everything pink and pastel?????? Pastel gore is especially where it's at. Describe the moment you realized you were falling in love with someone. I'd rather not. What’s your favorite sparkling water brand/flavor? I've never even tried it before. What’s your favorite makeup brand/brands? I don't wear nearly enough makeup to be even remotely familiar with any. What’s your all-time favorite movie? It'll probably always be The Lion King. Do you have any subscription boxes? No, but they're cool. What fictional creature would you like as a pet? On deviantART today I actually discovered a fantastic artist who does a lot of HTTYD fanart, and I would say as a dragon lover, Toothless would be soooo great. Have any local businesses closed that you’re sad about? I'm certain tons have closed, but none come to mind. How do you feel about TikTok? I don't feel anything about it. Did you/do you still have a Neopets account? Haha I've had like... two or three at different stages in my life. What were you doing at 9 o'clock this morning? That's actually when (virtual) group therapy starts. Are you wearing any jewelry? Yeah; my piercings (if you count them) and then two rings that I always have on. Are you good at hiding disappointment? No. I'm bad at hiding my emotions because they're so strong. What happened the last time you cried? lmaooo I was finishing watching a The Evil Within 2 LP yesterday, and like, the last hour or so of the game just rips me apart. I was hoping so bad that my mom didn't pass by and ask what the problem was. What would your parents be surprised to learn about you? Both would be stunned to know the situation I had with Joel/my former best friend's boyfriend when I was around 12. What fictional character do you have the biggest crush on? dARKIPLIER Where would you live if you could live anywhere in the world? When all things are considered, like laws, seeing family, etc., somewhere in Canada, or maybe Alaska. Actually, Alaska would be really cool. What after school activities did you do in high school? I didn't have any, if you mean like, school sports and clubs. I did do dance once or twice a week, but it wasn't tied to my school. What’s the last book you really loved? I positively adored The Handmaid's Tale. If you could have been a child prodigy what would you have wanted to be skilled at? My writing was seen as very exceptional for my age as a kid, but it still would've been awesome if it was even better. If earth could only have one condiment for the rest of time, what would you pick to keep around? Uhhh I guess ketchup. I use that the most of all options. What is the scariest experience you have ever had? The night of the breakup. It was such an impossible concept to me that I genuinely thought my life was over, that I'd pull the plug at any moment. Who is a non-politician you wish would run for office? Oh, hunny, Markiplier lmao. Call it a bias all ya want, but he's just a genuinely incredible person that cares so much for everyone and is so serious about equality and just being a good person. Do you think it’s important to stay up to date with the news? It's very hypocritical of me to say, but yes, regardless. Do you own plants? If so, what kind of plants? If not, would you like to grow any? I've never been into growing plants, honestly. Is there a city that you have a particular fondness for? If so, what city is it and why? No, not really. When was the last time that you acted impulsively? Is this a common behavior for you? I dunno, I've gotten better at this. I probably said something I shouldn't have. If you received an allowance as a kid, what kinds of things would you buy with it? Were you more the type to save up for something big, or spend it on little things? I didn't get one. When you cuddle with someone, how do you prefer to position yourself? Would you rather be held, or do the holding? Or both? Are we sitting or lying down? Either way I think I have a tendency to lay my head on their chest while hugging them, and my legs generally curl up. If I'm upset, I definitely feel better and just a greater sense of safety if I'm the one being held, but if the roles are swapped, then I like to be the one doing the holding because I know that's what I want when I'm upset, so treat others how you wanna be treated, y'know. When you woke up today, did you find unread messages from anyone? No. Have you recently told anyone that you miss them? Yes. Can you recall the last time you turned down an offer, of any kind? Mom asked if I wanted to come with her to Ashley's a few days ago, but I said no. I wasn't in a social mood at all. Is there anyone you interact with every day on social media? No. What was the main character's name in the last fictional book you read? Sunny. Have you ever been rejected by a church? No. Is your family nice to you? Yeah. Are you comfortable with your gender? Yeah. What was your favorite Mary-Kate and Ashley film? I don't remember; we had a couple, though. What was your favorite book you had to read for school? The Outsiders. What was your favorite Nickelodeon show? ngl, I don't remember a lot of them and don't feel like looking up a list. Do you still live in the house you grew up in? No. Which Spice Girl was your favorite? I don't remember their names. Do you think you look the best you've ever looked? Oh hell no. Have you been hurt by religion? Yes, honestly. In Truth or Dare, would you rather choose Truth or Dare? I always choose "truth." Have you ever had more than one crush at once? Yeah, I think that's perfectly normal to feel, even for someone monogamous like myself. Just when you establish a relationship, then it's time to make a choice. What social issue do you care about most? This is hard to say with how passionately I hold my opinions, but probably LGBTQ+ rights. It's just... so disgusting to me that I was once homophobic. It's like I want to make up for it. Just the idea of being repulsed by love just because someone has "the wrong thing" in their pants is just... appalling. When was the last time you read a Bible? Many, maaaany years ago I started reading it, but I didn't get very far at all. Do you own a Bible? I personally don't, but I know Mom has one, maybe multiple. Do you discover new music regularly? No; I very much stick to what I know. It's great when I do, though, given that that's how I find new songs to repeat to the grave. What does your first name mean? "Of Britain" or something like that. What country do you live in? U.S.A. Do you believe that gays are born that way? Uh, yes? Who honestly believes a homosexual would *choose* to be in the discriminated minority? People are murdered and abused for simply their sexuality; no sane person would "choose" to risk that torture.

[superpooped]

Dealing with Quarantine (from an actual expert)

Hello!

Today’s post is for people who are having their first taste of isolation or quarantine and are feeling a bit overwhelmed.

There’s a lot of these going around, and although they can be useful (I have no idea about specific Corona-based medical practise or finance) they seem to be written by people who are generally out and about in the world.

No offence, but what you really need is a Professional. You need… A HOUSEBOUND PERSON!

And that’s where I come in.

For those of you that are new here, I have a condition where, amongst other things, my body doesn’t create energy like it should. My mitochondria are all messed up, so, as you can imagine, that has an impact on… everything.

I am too exhausted to leave the house, or sometimes my bed. So I’ve been cared for by my lovely family for seven and a half years, and have been housebound for the last five and a half.

By now, I’m an old hand at this, so I’ll be able to help you out with some of the lesser known issues that people without that half a decade of experience just can’t tell you.

Some of this may seem strange or contradictory in places, but I don’t make the rules. This is how it is.

Choice makes a difference

You’re probably learning (or about to learn) that the one thing that makes a difference as to whether doing something or not is fun is Choice.

The number of times I’ve had someone say to me “it must be so nice to be at home all the time” is ridiculous.

The person saying it is thinking of the fun type of staying at home, where you decide to have a duvet day and watch movies and eat toast in your pants.

But now people are being faced with the less fun kind. The kind where you can’t leave.

Staying at home because you want to… fun. Staying at home because of Doom Plague Potential… not fun. (Also, bagsy “Doom Plague Potential” as a band name.)

It���s tough being uncertain when you’re going to see people, do things or get on with your life, but…

If you think about it, you are making a choice. You’re making the choice to put your health first. That’s sensible.

And if you’re careful with others who are more at risk then you’re making the choice to be kind. That’s even better.

You can do it

I’m not even meaning this in an inspirational quote sense, you can actually do this. It may be tricky, but if I can last half a decade in my house, you can last a couple of weeks, or even a couple of months.

If you’re actually sick then make sure you have people who can check up on you via the internet or phone if not in person. Seek medical attention where necessary.

Otherwise…

The Internet exists - embrace it

All that “put down your phone and live in the REAL WORLD” stuff is about to become a load of cobblers.

You will feel lonely, the Internet is a great tool to prevent that, so embrace it.

Group chats, social media, and video chats make a MASSIVE difference in the lives of people stuck at home, so utilise that.

Even when you’re watching tv, have a group chat of mates watching the same thing and talk about it as if you’re all there together. Because you are... kind of.

You can also contact plenty of mental healthcare professionals over the internet (or phone) if you feel that’s something you need. Don’t be afraid to reach out. There are people available.

The Internet isn’t real

At the same time as the internet being an amazing tool and opportunity for social interaction, it’s important to remember that it’s not a complete experience of the world.

It seems obvious when you’re able to leave the house, but it will quickly become clear that things start to feel a bit more skewed without the regular interaction of polite (or not so polite) strangers in everyday life.

Things will seem more polarised and polarising, and specific, potentially small things may seem extremely important. That’s normal, just... bear it in mind and take a deep breath before reacting to things.

TV, Radio, Things to do!

If you, unlike me, are at home as a precautionary measure instead of long term health condition you can probably do things. Hooray!

Right now that is less than you're used to, and BELIEVE ME I know that feel, bro, but you can still do things and that’s wonderful.

Imagining a lengthy period where you’re stuck at home sounds awful, but imagine it without TV, books or the internet. Or crafts. Or DIY. Or the ability to clean your clothes or yourself.

I’m trying really hard not to play the “be grateful” card here, because people have said it to me despite me struggling (or being completely unable) to do any of those things and it made me want to bite them. But also... you can likely do those things. So maybe this is the point where all those trite inspiration memes come in handy and you can embrace the things you can do.

Unless you are sick, in which case, for the love of all that is holy, do not do the things.

Stay in bed. Drink fluids. Have people check in on you as safely as possible. Resist the urge to get up and make your body fight harder than it is, because that will not help you.

Trust me, despite all those “you can do anything if you BELIEVE” quotes, it’s not strong or clever to push your body when it’s struggling. You will just use up energy your body could be using to heal you. Take it from the sick person.

Stay in bed till you feel better, and then a bit longer, just to make sure.

And resist the urge to go out in public and rub your germy self onto various surfaces.

You will come to love your Postie/Courier.

Oh, those kind humans who strive through wind and gale to bring us parcels and food, and most importantly, contact with the outside world.

A face! A new face! Possibly some small talk. You never knew that was a thing you could miss before this moment.

Will you potentially feel the need to disinfect everything you get in the post? Possibly. Will you be ever so glad to see someone who doesn’t live in your house or flat? Most definitely.

They must be protected for they are the keepers of the parcels.

Time will lose all meaning.

The only thing I can reliably liken it to is that weird week between Christmas and New Year where you don’t know what day, time or year it is. Or why you’re covered in biscuit crumbs.

If you don’t celebrate these events and have have no prior experience in this weird time warp... I’m sorry. Things are about to get real.

I genuinely forget my own age at this point.

Keep to a regular schedule.

You’re going to re-enter the world at some point but that’s going to be difficult if your schedule is all messed up.

Keeping to a normal(ish) schedule will also mean you’re more likely to sleep better, which will be handy if you do actually get sick.

If you’re going to be working from home then you’re probably going to have to use alarms to get you to do anything because otherwise you will look up and it’s three in the afternoon, you’ve done nothing and you’re still in your jim-jams.

(To be fair, if you want to work in your jim-jams that’s a totally valid choice.)

Try to stick to specific working hours if you can. It’s much easier to switch off your mind from work worries when you’ve got commute time in the middle, so having set hours or a signal to yourself (like changing clothes) that the work day is over will help you wind down a bit easier. I remember that much from my healthy freelance days.

Exercise?

I imagine that if you’re housebound without being sick you’re probably going to have a ton of pent up energy.

I’ll admit I’m completely guessing here, because energy is quite literally what my body is rubbish at producing so exercising makes me worse, which is why I’m stuck in my house unable to do anything in the first place.

Looking back at those heady years before I got sick, however, I would get pretty restless being stuck inside during that weird post-Christmas week, so it’s probably good to try and exercise some of that off.

Stretches, yoga, kick a football about in the garden. Whatever floats your boat.

You’ll probably sleep better and it’s good for releasing endorphins too.

Again, if you’re sick, don’t do this. Just don’t. Coronavirus targets your respiratory system so nobody wants you to be doing star jumps like a muppet. Go lie down.

Touch withdrawal

If you live on your own, or even if people inside your house are avoiding contact to prevent potential contamination you may experience mild touch withdrawal. I don’t know if that’s an official term, but that’s what I’m calling it.

You can counter this with:

Blankets, duvets, or weighted blankets

There’s a reason people are given shock blankets after trauma, and that’s to simulate a hug and release the associated endorphins. Having a blanket, duvet or weighted blanket around you will do that same thing.

Pets

Having access to a furry (or scaly or feathered) friend will help with loneliness and touch withdrawal. A lot of them will be loving the chance to spend more time with you.

ASMR

I’ve had people tell me that ASMR videos help them with loneliness and touch withdrawal.

ASMR stands for Autonomous Sensory Meridian Response and is basically a tingly feeling of calm and being cared for that a person can experience when watching or listening to certain triggers.

YouTube is full of people tapping on bottles and turning books pages, and it can be really useful.

I was a bit dubious to begin with, but honestly the ones where the person pretends to cut your hair make me into a giant pile of goop.

Not the same as long term isolation

This is going to pass. You will be able to leave the house again, and it will be relatively soon.

When it does, please be respectful of those who are still here.

Yes, a two week quarantine might give you a tiny glimpse into what it’s like to be housebound, but it won’t make you an expert in long term isolation due to illness or disability. That’s a whole other ball game.

Please do not equate the two, because it honestly feels a randomer in a bar who has spent two minutes thinking on a topic telling you about something you have a doctorate in.

Coronavirus is scary, and quarantine or self-isolation is not something you’re used to but it is temporary.

Finally

If disabled or sick people are getting salty on the internet it’s because they have reason to be.

A lot of us have been stuck like this for years or even decades, and many of the options that would make things much more accessible for us have only magically become possible now there’s a threat to the general, abled population.

It doesn’t help that lots of people are trotting out the old “it’s only the old and sick who are in danger”. Thanks for that, mate. So glad that it’s only us sickies (and oldies) who might die and not the important, useful people that are in danger.

Many of us do not have that light at the end of the tunnel when we can leave the house and just get on with our lives. I have no idea when or if I will be able to rejoin society fully, or even partly. And I just have to get on with it.

So take this opportunity to be a little more mindful of those people.

I do hope this helps people who are nervous about being isolated. Keep calm. It will be alright.

Originally posted on superpooped.blogspot.com

[anonymoustalks]

It was difficult being vegetarian on dorm, i said i would return once i was done

(6-20-20) You both like conversation.

You: hi

Stranger: Hey

You: anything on your mind?

Stranger: Blank slate over here

Stranger: Very zen

Stranger: Tabula rasa

You: that's nice

You: I've been thinking about my self-esteem

Stranger: How high it is?

You: mhm right now it's kind of on the low side

Stranger: Ooof

Stranger: Everyone has those moments

You: so on omegle I often go to the #politics tag

You: and I often get called dumb

You: and I'm reflecting on that i think

Stranger: Talking politics online is a mistake

You: mhm ^^ yeah it's poor judgement

Stranger: Yeaaa

Stranger: How old are you?

You: 26

You: I like to find strongly opinionated people

You: and talk to them

You: because I want to understand them

Stranger: People who talk politics online arent here to come to an understanding

You: but I think in part through the way I talk, I end up getting called dumb a lot

You: mhm

Stranger: Welp, calling someone dumb isnt cool

You: yeah a lot of them are mean

You: but I want to know why they're angry

Stranger: Read books or articles

You: mhm I guess

Stranger: Not random internet weirdos opinions

You: I feel like I'm just skeptical when I read books/articles by professors or whichever about "white rage" or things like that

You: so I think it's valuable to talk to people from places where I've never been to

Stranger: People have trouble articulating thoughts and opinions, especially with topics that make them angry

You: mhm

You: I try to ask them about what their life is like

You: and things they care about aside from the hot button issues

Stranger: Truu

You: A lot of them are just really mean though

Stranger: Welcome to the internet

You: yeah

You: anyway enough about me

You: what do you normally talk about on omegle? ^^

Stranger: Oof, anything really

Stranger: Books, shows, hobbies

You: mhm

You: I like to talk about values

You: or like things that are important to you

You: kind of like if there is one thing in the world

You: that you would never give up

Stranger: No wonder you've had so many bad experiences

You: lol why?

Stranger: Lol

Stranger: Whats your values?

You: mhm, I think I value empathy

You: and just being kind

Stranger: I can see that

You: as for things I wouldn't give up...

You: I guess my individuality

You: (whatever that means)

You: sorry it's super abstract haha

Stranger: Lol, thats cool

Stranger: Values usually are

You: um, for physical things, I wouldn't want to give up the internet lol

Stranger: Is the internet physical?

You: fine lol, I guess that's abstract lol

Stranger: Lol

Stranger: You dont want to give up the server rooms and cables

You: lol

You: I'm not christian, but I find the concept of giving things up during lent fascinating

Stranger: What about ramadan you western centric shill

You: haha

You: I actually don't know anything about ramadan

Stranger: Ohhh

Stranger: I dont know a ton about it either tbh

You: I think I just remember people talking about fasting

Stranger: Mhmm

Stranger: They fast and avoid water during the day

You: mhm

You: I think lent interests me because I had a lot friends who would be like "I'm giving up chocolate"

You: or something random or specific

Stranger: Truue

You: it made me think about what I would give up, if I were to give something up

Stranger: Depends what the goal is right

Stranger: Whats the goal of lent?

You: mhm

You: umm

Stranger: Like am i trying to be closer to god?

You: (I don't know so I went to wikipedia lol)

Stranger: Trying to understand sacerfice

You: yes sacrifice

Stranger: Truu

Stranger: No idea what i would give up

You: mhmm

Stranger: Social media?

You: I hardly use social media haha

You: I went vegetarian for year and a half in college just because

Stranger: Oh nicee!

Stranger: That can be difficult

You: idk I didn't really have a sophisiticated reason for it

Stranger: I was vegetarian for four years

You: ohhh cool

You: why were you vegetarian?

Stranger: Ethical reasons

You: mhm

Stranger: I didnt like the meat supply chain and resources used for it

You: right

You: for me I had a bad break up and just spontaneously and randomly decided I didn't want to eat meat

Stranger: I'm the opposite of you, i stopped being vegetarian when i went to college

Stranger: Ohhh, yeah breakups suck

You: was there a reason why you stopped?

Stranger: It was difficult being vegetarian on dorm, i said i would return once i was done

You: ahh

Stranger: But i started getting really into fitness

Stranger: Hard to hit the macros with a vegetarian diet

You: right

Stranger: Why'd you stop being vegetarian?

You: mhm... I think I just stopped being vegetarian randomly

You: ...it's probably not very sophisticasted either

You: I've thought about it once or twice why I ended up vegetarian

Stranger: i feel like its appropriate, randomly stop what you randomly started

You: I guess I must have treated it like how ppl sometimes get a haircut after a breakup

You: like I think I wanted a different feeling to my life

Stranger: I didnt know that was a thing lol

You: ohh yeah like it's a stereotype

Stranger: I know about delete facebook and hit the gym

You: haha

Stranger: Didya get a fancy new doo?

You: no not really

Stranger: Rip, you had the perfect excuse to experiment

You: yeah it's true

You: I wanted to dye my hair in college

You: but never got the courage for it

You: and then towards the end, I was worried about jobs after graduating

Stranger: You play it real safe

You: yeah I do haha

You: are you risky?

Stranger: I dont think im risky exactly

Stranger: Just more than you lol

You: lol

You: can you give some examples?

Stranger: I have alot of extreme look changes

You: ohh

Stranger: Its fun

You: yeah it sounds like it would be

Stranger: And if it goes bad its fun to joke about

You: oh haha

You: I get self-conscious easily

Stranger: Yeah i get it

You: a lot of times I convince myself that a lot of peers secretly hate me

Stranger: Ooof, i've done that too

You: I think I need to be friendlier

Stranger: Also imposter syndrome

You: but I'm a huge introvert

Stranger: Mhmmm

You: and yeah imposter syndrome

Stranger: It can be hard to put yourself out there

Stranger: What did you go to college for?

You: biology

Stranger: fancy

You: it's like one of the most common majors lol

Stranger: Lol

Stranger: Did you like it?

You: mhm I liked it enough

Stranger: Thats dope

You: what about you?

Stranger: Finance and accounting

You: oh wow

Stranger: I was actually a biomed major before switching

You: ahh

Stranger: Hated itt

You: I know nothing about finance and accounting haha

Stranger: Especially labs

Stranger: Ughh

You: yeah labs are terrible

Stranger: "I know nothing about finance and accounting haha" Sometimes i feel that way too

You: oh my ^^

You: are you in that as a career right now?

Stranger: Yup yup

Stranger: Well right now im just doing contract work

You: mh so you're wealthy then? (jk jk)

Stranger: Was switching jobs when this shit went down

Stranger: Lol i wish

You: mhm

You: what exactly is contract work?

You: like I know contractors

You: but in terms of finance and accounting...?

Stranger: I do some tax services for clients of an accounting firm i used to work for

You: ahh

You: independent contractor?

Stranger: Yeaa

Stranger: What do you do?

You: ohhh does that count as self-employment?

You: I'm in grad school

You: ...for biology

Stranger: o lawd

Stranger: They got you in the grad trap eh

You: lol

You: haha

You: mhm yeah dunno when I'll be finished lol

Stranger: They almost got me too, but i was broke for too long

You: mhmm

Stranger: fuck you pay me

You: lol

Stranger: i joke, are you enjoying it?

You: yup, well, as much as I can

You: there's the typical stress and things

Stranger: Mhmm

Stranger: So its a masters?

You: phd

Stranger: ooooo

Stranger: You fell hard for it

You: yeah lol

Stranger: Lol, thats cool af

Stranger: Doctor stranger

You: lol I feel like I'm never going to graduate lol

Stranger: You got this

You: you're really supportive and nice (random)

Stranger: Lol thanks

Stranger: People usually say i have a bristly personality

You: really?

You: I think you have an active and engaging personality

You: but also very nice

Stranger: I like poking funnnnn

You: and the active personality gives the perception that you're really listening

You: which matters a lot

Stranger: I'm a good listener i feel like

You: mhm, you seem like one

Stranger: You're pretty chill too

You: thanks ^^

Stranger: Despite fighting politics online

You: lol I don't fightttt

Stranger: Despite trying to bridge the political divide online

You: that sounds terrible lol

Stranger: It is

Stranger: The internet kinda sucks with politics lol

You: mhm

You: I feel like it's hard to have deep conversations irl

Stranger: Depends

Stranger: Some people are more receptive than others

You: mhm true

Stranger: I get online its easier to be yourself, but its also easier to be an asshole

You: mhm true

You: I think I worry a lot about interpersonal relationships irl

Stranger: How so?

You: mhm, like there's a group dynamic I guess?

Stranger: Ohhh

Stranger: So where are you from?

Stranger: Did i ask that already?

You: and the there's work colleagues

You: nope

You: new england somewhere

Stranger: myseriousss

Stranger: Are you lost?

You: new england is small enough it could be like a state if you put it all together haha

Stranger: Go pats

Stranger: With that i exhausted my sports knowledge

You: lol I'm not very knowledgeable either

You: although we hold football watching parties at my house

Stranger: I know people hate the patriots

Stranger: Because they dont inflate their balls or something

You: huuh, see I have no idea what that means

Stranger: Not cool new england, inflate them please

You: lol

Stranger: Wow, you're worst than me

You: yup!

You: I'm also bad with tv shows, movies, and music

You: basically it's hopeless if you want to have a normal conversation with me

Stranger: Im listening to music right now lol

You: lol

Stranger: I love talking about all those topics

Stranger: But i can talk about anything tbh

You: I just don't know anything ^^

You: what do you listen to?

Stranger: Like right now or in general?

You: either

Stranger: Pick one so i can start

You: general!

Stranger: You got it

Stranger: I loveeee

Stranger: Folk music

Stranger: Blue grass

Stranger: R&B

Stranger: Motown

Stranger: Soul

Stranger: Rap

You: cool

Stranger: Thanks

You: I have no idea what blue grass is haha

Stranger: Should i ask what you listen to lol?

You: um the answer would be whatever youtube plays

Stranger: Wise

You: basically pop bc I don't know anything else lol

Stranger: Lol thats fine

Stranger: Pop is fun

You: where are you from?

Stranger: Canada

You: ohh cool

Stranger: Thanks

Stranger: Its pretty nice this time of year where im from

You: mhmm summer

Stranger: Yeaaa

You: I'm like looking up your genres lol

Stranger: Lol

Stranger: Want me to recommend a song?

You: yeah that would be nice

You: I found Wanderlust 🌲 - An Indie/Folk/Pop Playlist | Vol. I

You: because I guess I automatically go to playlists lol

Stranger: always alright- alabama shakes

Stranger: Lol, playlists are a good way to discover music imo

You: I often don't go back to figure out what songs are what though

You: this was my problem with the radio

You: I recognized songs

You: but had no idea who the artists or songs were

Stranger: I do that with albums when i listen to them cover to cover

Stranger: I never know the song names, just how they go

You: mhm

Stranger: So what area if your phd in?

Stranger: Is that too personal to ask?

You: immunology

Stranger: fancyy

You: it always sounds fancy, but I have no clue what I'm doing

Stranger: Give me some fire immunology facts

Stranger: Loool

Stranger: Ohh

You: uhhhhh

You: random facts uhh idk

Stranger: Lol its ok

You: lol kay haha

Stranger: I kinda put you on the spot

You: mhm it's fine, although I was racing in my head to find something that actually makes sense lol

Stranger: Sorry im so dumb : (

You: no, as in immunology seriously doesn't make sense

You: like it's basically jibberish

Stranger: Lol i get alot of it would go over my head, im just kidding

You: like CD45RA+ AB T cells

Stranger: BRAH

Stranger: Thats my favorite cell

You: lol

Stranger: I like how they

Stranger: Multiply

You: lol

Stranger: coolest ribosomes in the game

You: you're so chill

Stranger: I know

Stranger: My cell knowledge is sublime

You: lol

You: is there a reason why you like to come on omegle?

Stranger: Uhhh, i like talking to people

Stranger: So the quarantine kinda sucks for me

You: mhm

You: I forgot it was the quarantine

You: I was just thinking it's a friday night and you seem too cool for omegle on a friday haha

Stranger: Lolllll

Stranger: Trust me, im a massive dork

Stranger: Just a pretty social one

You: right

Stranger: Recommend me a song?

You: ohhhh so tough again

Stranger: Im not letting you off the hook this time

You: :c

Stranger: ¯\_(ツ)_/¯

You: *goes to dig through youtube history*

Stranger: Lol fair enough

You: do links work on omegle?

You: https://www.youtube.com/watch?v=W0OX-a17Hfk

Stranger: idk

Stranger: Did you send one?

You: yeah I did

Stranger: Naww lol

Stranger: Just tell me title and artist

You: v=W0OX-a17Hfk

Stranger: That works too

You: it's entirely instrumental

You: idk most of the stuff I listen to is just background music

You: for when I'm doing something

Stranger: I feel that, i listen to stuff without lyrics when im working too

Stranger: I like the art work

You: but yeah, I don't have much of a sophisticated taste in music or anything

Stranger: Dont worry, no music degree on the wall here

Stranger: I just know if i like something or dont

You: mhm it feels like most people have a strong sense of what they like an dislike ^^

You: for me it's kind of uhh... blank haha

Stranger: Lol

Stranger: I'll listen to any genre if i like the song

Stranger: This musics chill, i like it

Stranger: Reminds me of harvest moon

Stranger: Used to play as a kid

You: ohh

You: I've never played

You: I did briefly play rune factory on an emulator

You: but otherwise yeah I don't have a long list of games either ^^

You: I think I'm kind of boring overall

Stranger: lol you're not boring

Stranger: I wouldnt be talking to you if you were

You: oh lol

You: thanks

Stranger: Noo problem

Stranger: I'm kinda glad i found someone around my age to talk to tbh

You: ohh I forgot that I told you my age lol

You: do you normally get ppl much younger?

Stranger: I dont go here often tbh

Stranger: But yeah, alot of young people

You: mhm

You: I feel like you're probably the most normal person I've gotten in a while

Stranger: Lol im glad

Stranger: What do you usually get?

You: mhm angry people

Stranger: Also the political tag probably skewed your sample

You: a lot of people trolling or just having fun some way

Stranger: I seriously dont get the fun in trying to upset people

You: yeah I've been trying to understand that too

Stranger: Modern bullying i guess

Stranger: idk

You: like it doesn't work to ask "why do you like to be mean"

You: so I will continue with my research!

Stranger: Lol plz dont for your own sake

You: lol

You: haha

Stranger: Put the scientific method to bed

You: lol

Stranger: Do you know reddit?

You: yup

Stranger: Ask me anything

You: the subreddit?

Stranger: Naw, im doing an ama

You: ohhh

Stranger: You're the only one attending

You: lol

You: okay, I hope you don't mind if I push the pedal then

You: what do you regret most?

You: (I ask heavy stuff often lol >.<)

Stranger: Loll

Stranger: I felt like i should have ended my last relationship sooner than i did

You: mhm why?

Stranger: I was just kinda hoping the problems would get resolved

Stranger: And that kinda lead me to hold on

You: what kind of problems?

Stranger: Drawing the line here lol, i dont wanna be sad all day

You: ahh okay sorry lol

You: yeah I'm really nosy

Stranger: Lol its okk, i just dont wanna dwell in it

You: how long ago did you break up?

Stranger: How about you, whats your biggest regret?

Stranger: Few months ago

You: ohh

You: (I hope you're okay)

Stranger: I'm getting there

You: for me...

You: I guess not asking for help when I needed it

You: I don't have many regrets though

Stranger: Mhmm

Stranger: I never asked for help growing up

You: mhm I'm the same

You: or at least, I'm still really bad at asking for help

Stranger: I didnt wanna bother people, kinda just dealt with it on my own

Stranger: Yeahhh, its hard

You: right

You: and like I have a stupid amount of useless pride for something not important

Stranger: Sometimes i just try to remember that people do want to help alot of the time

Stranger: Oh truue

You: mhm right

Stranger: I also dont like looking dumb lol

You: yeah haha

You: okay for the next AMA: Make a confession of some kind that you don't ordinarily tell people

You: (though I guess this isn't a question)

Stranger: More like a demand

You: lol

You: clearly I'm not in the habit of doing ama's

Stranger: So like im pretty healthy and take care of myself alot

Stranger: And i come across as super confident

Stranger: But im like pretty insecure about my looks

You: mhm

Stranger: Like im pretty critical to myself

You: yeah we're often our own worst critics, right?

Stranger: Yeahhh

Stranger: How about you?

You: ohh

You: umm, how bad do I want to go lol?

Stranger: Lol, your call

You: I think I use omegle to boost my ego. Like I'm not interested in hooking up with anyone, but when people express interest in me it boosts my ego and then I can ditch them

You: >.>

Stranger: Ooof

You: was that heavy one?

Stranger: Lol no, i get it

Stranger: Im just preparing to be disconnected on lol

You: ohh I don't usually dc at all haha

Stranger: Mhmmm

Stranger: Well i think you're pretty cool tbh, take these ego points

You: oh haha

You: idk I think I'm selfish in a lot of various ways

Stranger: I feel like being able to refelct on it is like a good way to begin to address it

Stranger: Some people lives their entire lives without realizing what drives what they do

You: mhm

You: next AMA: What's something you dream of doing?

Stranger: A thru hike

You: thru hike?

Stranger: Its like a long hike that takes weeks or months

You: ahh wow that seems cool

Stranger: It isss, ive been on multiple day hikes

You: mhm I want to do one!

Stranger: But a thru hike would be amazing

Stranger: You can tag along lol

You: I have no idea how you would prepare for one haha

You: lol

Stranger: Lol

Stranger: You know how some people randomly plan holidays or online shop

Stranger: Just to waste time

You: mhm

Stranger: I plan thru hikes and my gear and food list sometimes lol

Stranger: Its pretty dorky

You: I think it's cool

You: wait so for a multi-day hike, how is that planned?

You: like do you usually go with someone?

Stranger: Solo or people

Stranger: I started going solo because its kind of hard to get people to come along

You: what do you pack?

Stranger: And being alone in the wilderness is kind of amazing

You: mhmm

Stranger: Pack alottt of stuff lol

You: lol

Stranger: I subscribe to the ultralight philosophy of hiking

You: mhhhm

Stranger: Where you try to keep gear minimal and light

Stranger: So you can go long distances and bee less tired

You: right

You: what do you see as essential?

Stranger: Tent

Stranger: Sleeping bag or quilt

Stranger: you're so lucky you're american

Stranger: You have better access to gear than i do lol

Stranger: Sleeping pad

Stranger: Backpack

You: really? for some reason I feel like canada has the outdoorsy stereotype haha

Stranger: Its legit amazing here nature wise

Stranger: Just harder and more expensive to get some gear lol

You: mhm

You: how much water/food do you pack?

Stranger: 2000 cals a day usually

Stranger: and i keep filtration tablets on me

Stranger: So i can reup on water

You: mhmm do you usually reup water?

You: I can see water getting a lot

Stranger: Streams usually

You: to carry

Stranger: Dont carry a ton, just reup on water

You: mhm

Stranger: being in nature is fun

Stranger: It feels like a reset for the brain sometimes

You: right totally

You: so do you usually pick hikes with nearby streams/water?

Stranger: Well there are usually trails people do

Stranger: Some people plan their own using a topical map

Stranger: I dontt

You: ah

Stranger: Topographic*

Stranger: Idk what topical is

You: on the surface of something ^^

Stranger: Lol oh

You: I guess it would just make sense to go a visitors center and ask for recommendations

Stranger: Naww, i usually just research it online

Stranger: I rambled a ton my bad lol

You: oh not at all

Stranger: What's something you dream of doing?

You: mhm I want to be lazy and copy yours lol

You: but I guess it's probably something vacation related

Stranger: The more the merrier

You: I'm super bad at planning

You: or more specifically, I procrastinate forever

You: so I don't plan vacations normally lol

Stranger: Loll

Stranger: I kinda like to wing it with a general idea of what i want to do

Stranger: I like exploring cities

Stranger: Where do you want to vacation?

You: ahh

You: mhmm I dunno lol

You: I so bad at being decisive lol

You: I do like outdoorsy things though

You: less so cities

You: I've never been clubbing or anything like that and I don't think I'd want to lol

You: I also don't drink very much

Stranger: Its overrated

Stranger: Im more outdoorsy too

Stranger: BUTTT

Stranger: Im a foodie

You: ohh

Stranger: and love stuffing my face when i visit a city

You: mhm that's cool

You: I think I like food until it gets too expensive

You: and then my heart sinks too much to enjoy it

Stranger: Brah fuck tourist traps

Stranger: I want hole in the wall joints

You: mhm those are great ^^

Stranger: Montreal is legit my favorite city

You: mhm montreal is great!

Stranger: Have you been?

You: yup!

Stranger: yessss!

Stranger: Have you tried the bagels lol

You: I think so

Stranger: Ughhh so good

You: ahhh yeah

Stranger: I bought two bags to bring back home lol

You: yeah I remember it now that I've googled it

You: they're fantastic

Stranger: Yeahhh

Stranger: Best souvlaki i ate was in montreal

You: ohh

You: I didn't know that was a huge thing there

Stranger: Idk if it is tbh

Stranger: But the place i went was fire

Stranger: Hard af to order tbh though lol

Stranger: They didnt speak english or much french

You: ohh interesting

Stranger: My cousin told me usually their daughter works the counter

Stranger: Im guessing thats why lol

You: lol

You: I took french in high school

You: but I forgot it all

Stranger: Welcome to the club

You: mh, it's kind of disappointing in a way

Stranger: Can always brush up on it

You: very true

Stranger: Do you know any other languages?

You: Chinese

Stranger: Mandarin or Cantonese?

You: mandarin

Stranger: Nicee

You: you?

Stranger: I can understand some hindi?

Stranger: Cant really speak much

You: ohh cool!

Stranger: Lol thanks

You: I can also understand better than I can speak

You: although my accent is okay

Stranger: First generation eh

You: mhm

You: uhh I mix up the generations

Stranger: Mhmm

You: I'm second generation

Stranger: Ohhh ok

Stranger: yeah i dont get generations either

Stranger: That means you're born here but your parents arent?

You: yup

Stranger: Ohhh, same then

You: I can never remember if that's first or second generation

Stranger: Preachh

Stranger: Alrii, hit me with another ama

You: mhm

You: let's seeee

You: bah I just thought one but it's basically the same lol

Stranger: Loll

You: biggest mistake lol

You: but that's so close to regret

Stranger: Should i ask?

You: sure

Stranger: OOff lemme think

You: looool

Stranger: lol

Stranger: Uhhhh

Stranger: Celeb crush lol?

You: ohh

Stranger: Sorry, i was struggling

You: no it's fine

You: I've never been a tv or film person so I never know actors

Stranger: Ooof i forgot

Stranger: Lemme think of another then

You: can I cheat and steal your question lol?

Stranger: Lol

Stranger: Nuhh uhhh, if you dont answer it

You: lol so cheap

Stranger: No one to blame but yourself

Stranger: Shoulda gave into celebrity culture like the rest of us

You: I'll just continue to live under a rock lol

Stranger: Ok patrick

You: lol

Stranger: Lol i got one

Stranger: What spongebob character do you relate to the most

You: mhmmm this is a struggle again XD

You: I know like three characters so uhhh

Stranger: loll

Stranger: That should make it easier!

You: oh the snail!

Stranger: Lmaooo

Stranger: I was about to say you're a total gary

You: lol

Stranger: What spongebob character do you think im most like

You: mhm you're outgoing and friendly

Stranger: aww shucks

Stranger: You dont really know me

You: idk I feel like there's so little to chose from so just spongebob

You: mhm very true

Stranger: lol

You: AMA: What do I not know about you?

You: or what I am I getting wrong about you?

Stranger: Oof

Stranger: Thats hard

You: ^^

Stranger: mmmmmm

Stranger: I mean theres alot you dont know about me

Stranger: Uhhh, i'm pretty good at vollleyball and basketball?

Stranger: Such a basic answer

Stranger: I blanked out lol

You: ohh those are cool sports

You: did you play in high school?

Stranger: Naw

Stranger: I was almost in the football team

Stranger: But gave up when i found out how often id have to stay at school

Stranger: Im lazy

You: ahh

You: what did you do afterschool in high school?

Stranger: Study, tv, games

Stranger: I legit sucked in highschool

You: hm sucked?

Stranger: Was super boring, didnt really like going out of my comfort zone

You: ahh

Stranger: What were you like in highscool?

You: I feel like I'm still bad at going out of my comfort zone

You: um, I was basically like the walking stereotype

You: swimming, piano, study, manga, writing

Stranger: Oof, i remember the manga kids lol

You: lol

You: that was mostly at home for me though

You: I read it when I was supposed to be studying

Stranger: We had a circle who hung out in the library

You: ohh

Stranger: I read a little of bit of a manga to try it

Stranger: I've watched some animes though way later on lol

You: mhmm

You: I never watched anime in high school because manga was much more discreet lol

You: I could read it on my computer without my parents knowing lol

Stranger: Loll

Stranger: tiger parents

You: mhm kind of yes and no

You: yours?

Stranger: They were pretty strict

Stranger: Moving away from them really allowed me to grow as a person

You: mhm same

Stranger: Sooo, what mangas did you read

You: ohh I read everything

You: like I was addicted lol

You: I read enough that I forgot what I read and the just all blur together lol

Stranger: Loll woww

Stranger: Do you read books?

You: yup!

You: or well, I mostly stopped reading when I went to uni though

Stranger: Boo

You: yeah I know >.>

You: too many readings for uni instead

Stranger: Pick up reading again imo

You: mhm it would be good

You: what do you read?

Stranger: I jump around alot

Stranger: Some of my favorites are science fiction, mystery, fantasy, historical fiction, dystopian

You: mhm

You: I love dark stuff lol

Stranger: spoooky

Stranger: So like

Stranger: I looooove horror movies

You: (I can't watch horror lol)

Stranger: But i havent read many horror related books lol

Stranger: Loll

Stranger: Thats cool

You: mhm for me I mean dark as in heavy haha

Stranger: Oh truuue

Stranger: Have you read The Road?

You: nope!

Stranger: Pretty good

Stranger: What genres other than dark do you like lol

You: mhm do you like survival?

Stranger: Like not dying?

Stranger: Love it

You: lol

You: I meant as a genre kinda (if that is a genre?)

Stranger: Oof idk, i dont think ive read survival

Stranger: Like man vs nature type of deal?

You: oh as kid I read hatchet and some other similar ones

You: yup

You: as for other genres, in high school when I was still reading a lot, I read a lot of fantasy and generic stereotypical trashy romance stuff

Stranger: Loll

You: oh and animals

Stranger: Like peppa pig?

You: I was the first one in my friend group to pick up twilight lolololol

Stranger: Lolll

Stranger: I never actually read the books or watched the movies

You: lol

Stranger: Do you recommend them?

You: uh, retrospectively no ^^

Stranger: lolll

You: but I did like paranormal romance as a teen

You: as for animals I read stuff like warriors lol

You: and also redwall actually

Stranger: I remember redwall

Stranger: Pretty dark

You: hm? I thought it was fairly normal lol

Stranger: Lol

Stranger: What about watership down?

You: yup I loved that one

You: well, it's a classic

Stranger: Yeaa

Stranger: I didnt read it, i kinda just assumed you would have

You: I did roleplaying forums when I was in high school lol

Stranger: omg loll

Stranger: Was that your rebellious stage?

You: lol not really

You: I was "writing" so

You: lol

Stranger: Truue lol

You: I did like wolf roleplays lol and stuff

You: I was nearly a furry lol

Stranger: Oh lawd

Stranger: Or actually

Stranger: oWO*

You: lol

You: I had a lot of really good memories from then

You: they're sort of like my defining experience on the Internet I think

Stranger: Thats cool

Stranger: A tight knit community can be nice

You: mhm, and it was actually writing, which was nice too

You: it was fun to sort of put characters and stories together

Stranger: Do you still write?

You: mhm super on and off

Stranger: Can iiiii

Stranger: Read it?

You: nope! XD

Stranger: Ughh

You: lol

Stranger: Worth a shot

You: I did nanowrimo freshman year of uni

Stranger: brah im canadian

You: it's an internet thing!

Stranger: Ohhhh

Stranger: Thats cool af

You: yeah but the thing I wrote was total trash lol

Stranger: Can i read that?

You: lol absolutely not lol

Stranger: But i want to so badd

You: when you rush to write 50k words in a month, that's like 1666 words a day

You: so basically you vomit over the page

You: and like your subconscious shows up on it which can be really bad

You: like it's like bad fanfiction but even worse

Stranger: Damn

Stranger: Exposed your Id for the world to see

You: yeah lol

Stranger: Idk if im mixing up id ego andsuperego

Stranger: I dont remember which is which lol

You: I don't remember the difference between them either

Stranger: Oh well

Stranger: Ugh i want to read it so bad lol

You: Ama: worst trouble you've ever been?

You: *been in

Stranger: I got hit for plagiarism once on a throwaway course

Stranger: I didnt do it thoughh

You: what?

Stranger: Lol it was a roman literature course

Stranger: And i used the wrong translation reference

Stranger: And the prof was a stickler for it

Stranger: I could have fought it but i didnt care enough

You: ohh

Stranger: Whops

You: yeah...

Stranger: Thats not even that bad tbh lol

Stranger: I mean maybe if you're a phd, but i was in business school and it was an elective

You: mhm

Stranger: You?

You: oh which one should I pick lol

You: I'll pick a parents one

You: so in high school, I also drew on deviantart

Stranger: whats that

You: ohh it's like the art website

Stranger: ALSO IM LEARNING TO DRAW

You: deviantart is like one of the biggest art websites, or at least used to be?

Stranger: Waitt

Stranger: Is it that like sex drawing site?

You: mhm no?

Stranger: Lol okk...

Stranger: Go on

You: although I guess people do draw some nsfw things

You: anyway

You: so I had a friend on that site, who had really serious problems

You: he cut and wrote really bloody and graphic pobik

You: poems

You: and we would pm and message each other

You: and my parents found out

You: and then freaked out

You: because they thought I was going to elope

You: to denmark

Stranger: LMAO

You: which is where the guy was

Stranger: Did you?

You: we were like 16

You: lol no

You: and it wasn't romantic

Stranger: darn

Stranger: Still a chance

You: yeah so I got banned from the computer

You: so like overnight I disappeared from the Internet

You: and I got really worried for him because basically I just disappeared one day

You: and like, he's not really stable you know?

Stranger: Mhmm yea

Stranger: Was he ok?

You: mhm like a year or two later he turned out okay

Stranger: Oohhh niceee

You: yeah

You: I only have one sad internet story

You: well with a bad ending

Stranger: Ohhhh

You: but yeah, for some reason I end up finding ppl with problems a lot

Stranger: You found me

You: D:

You: do you have many problems?

Stranger: Loll, i regular amount of problems i think

You: oh okay, I got worried ^^;

Stranger: Lol, i'm good

You: mhm that's good

Stranger: Could use some ice cream

Stranger: Mango

You: what time is it for you?

Stranger: 3am

Stranger: You?

You: same late

Stranger: Your schedule is fucked up too eh

You: mhm

Stranger: Yayy

You: we are doing shifts at my lab right now

You: since we're kind of half capacity

You: and I've been doing a lot of 2-10pm ones

Stranger: Oh truuue

You: the other one is 6am-2pm lol

Stranger: I've just been staying up because i can do contract work whenever lol

Stranger: Oh wowww

You: mhm

You: well it's the easiest way to fit 8-hours twice in a day lol

Stranger: Lol yeahh

Stranger: So what hobbies you have?

Stranger: Do you still draw?

You: uhh they're almost the same as in high school

You: except I'm less active lol

You: and I don't draw

Stranger: Damnn

Stranger: Highschol you was cool af

You: mhm I didn't really share those hobbies in high school lol

Stranger: Probably a good idea at the time lol

You: did you have a bad experience in high school?

Stranger: Longgggg story

You: ohh

Stranger: Ill shorten it i guess lol

You: okay

Stranger: I didnt get to go to the highscool everyone i went to middleschool with went to

Stranger: My parents didnt like that school

Stranger: I went to some catholic school instead and i was pisssseddd

You: ohh

Stranger: So first year i kinda was being a dick

Stranger: After that i kinda coooled off and made friends who i enjoyed hanging out with

You: mhm

Stranger: Wasnt as long as i thought it would be

Stranger: Im just really good at summaries i guess

You: ohh haha, I was expecting more haha

Stranger: sorry

You: mhm it's fine ^^

You: did you stay in touch with your middle school friends?

Stranger: Nooo

You: aww

Stranger: To be honest

Stranger: My parents made the right call

You: mhm how so?

Stranger: That other highschool and my friend circle was not great

You: mhm

Stranger: At the time it was the end of teh world

Stranger: You know, teenager things lol

You: yeah haha

You: did you have siblings?

Stranger: I doo

Stranger: One brother

Stranger: How about you?

You: younger brother!

Stranger: Damn same thing

You: lol

Stranger: Was he a snitch?

You: mhm not really

You: he was adorable actually

Stranger: Thats coool

Stranger: You guys still close?

You: I would say so, kinda

You: I'm not a very lovey-dovey person when it comes to family

Stranger: Mhmm, i get it

You: but yeah, I'm fairly close with my brother, kinda

Stranger: Lol yeah

Stranger: Im also 'kinda' close

You: I guess it's "kinda" for me because we get along really well whenever I'm home

You: but we don't talk a lot when we're apart

Stranger: Lolllll

Stranger: Same

Stranger: WE message eachother on our bdays

Stranger: or if something is up with the parents

You: lol once a year?

You: mhm yeah

Stranger: Yeaaa

Stranger: Hit me with another ama?

You: mhm I didn't prepare one lol

Stranger: Oof

Stranger: Go find a celeb and develop a crush

You: I'm still curious about your ex

You: sorry to dig it up again

Stranger: Its okkk

Stranger: It is what it is

Stranger: I think we just were headed in different directions

Stranger: And the idea of what was held us together

Stranger: When was your last relationship?

You: mhm I need to count lol

You: 5 yeas

Stranger: oh woww

You: is it surprising?

Stranger: Lol idk kinda

You: mhm I kind of had these little fluffy things in between since then but I'm not really counting them

Stranger: Yeaaa

Stranger: I understand

Stranger: Do you date and stuff?

You: mhmm not actively no

Stranger: Truuue

You: how long was your last relationship?

Stranger: 3 years?

You: mhm

Stranger: My longest one

You: mhm it must have been hard

Stranger: It wass, but i knew it had to be done

Stranger: Wasnt fair to either of us

You: mhm

Stranger: Sorry to be such a downer lol

You: no it's fine

You: life has its dark parts and lighter parts

You: I'm very familiar with that

Stranger: Just like cells

You: cells?

You: ohhh

You: those cells lol

Stranger: I'm an amateur cellologist

You: lol

Stranger: My favorite is CD45RA+ AB T cells

You: lol I stuck a bunch of letter together

Stranger: But he's so darn cute

You: mhmm sooo

You: I just realized that the number online right now is way higher than it was this afternoon

Stranger: No idea, i didnt really note it

Stranger: West coast probably hoped on

You: yeah

Stranger: East coast best

You: lol

You: what sites do you frequent aside from omegle?

You: reddit is one...

Stranger: Lol yea

Stranger: Thats the big one

You: mhm what subs?

Stranger: Askhistorians

Stranger: Fitness

Stranger: Books

Stranger: campingandhiking

Stranger: cooking

Stranger: changemy view

Stranger: dataisbeautiful

Stranger: explainlikeim5

You: those are really great subs ^^

Stranger: Lol i just looked down the list

Stranger: On my subscribed

You: was there more or did you stop at E? xD

Stranger: A ton more lol

You: oh lol

You: so many

Stranger: I'll stop though

You: yeah

Stranger: Those are kinda my big ones

Stranger: How about you?

You: mhm I don't use reddit

You: I did briefly in uni

You: actually around the 2016 election I was pretty active haha

Stranger: Ooof

Stranger: You're a big politics buff

You: I was a mod at the NeutralPolitics sub ^^

You: I'm like weirdly proud of that even though it was like only for a month

Stranger: Loll

Stranger: Thats really cool

Stranger: Not as cool as me being a mod of ultimate muscle subreddit

You: whaaat?

Stranger: A niche anime on fox that nobody has watched

You: lol

Stranger: I might make you assistant to the mod if you play your cards right

You: lol

You: mhmm it's getting kind of late I think

Stranger: Yeaaa

Stranger: Any chance you have discord?

Stranger: I had fun talking

You: mhm I do, but I don't share ^^

You: sorry

You: and I had fun talking too

Stranger: Dont worry, i wont out your fanfics

You: lool

You: I have a rules with myself for omegle

You: one of them is that I just don't continue anything offline

You: #pastmistakes

Stranger: Oh nooo

Stranger: What did you do lol

You: lol uhh it's pretty bad lol

Stranger: go onnn

You: umm, it's horrible enough that I probably shouldn't share ^^

Stranger: brahh, i had to talk about my ex

You: mhm but I had some heavy periods in the past

Stranger: dishh

Stranger: Get extra absorbent

You: omggggg rofl

You: basically times that were really emotionally low

You: it's easy to end up with people online for various reasons

You: and not turn out that great

You: I guess is probably the short story ^^

Stranger: You fell for some guy and it got weird?

You: pretty much

You: I actually crush over guys pretty easily online

Stranger: And i'm like super crushable

You: aww

You: but I just think it's better not to

Stranger: Many a maiden had fallen victim to my charm

You: lol

Stranger: I get it, i dont wanna cause you any distress

You: mhm, anyhow, have a wonderful night

Stranger: You tooo

You: goodnight!

Stranger: Gnight

You have disconnected.

[supernaturalmysticles]

Day 3 1.8.19

                1st August 2019, supposedly our 2 year and 11th month together. Maybe it was not that simple, that you wanted to focus on your career. I guess you long felt we weren’t suitable- you just did not tell me. I wish you did, instead of giving me false hope by making me count the gifts and telling me we would get married when it reached number 13th. Or checking out the houses and making plans with me to apply for the BTO in November. Or even booking our trip which was supposed to be next week.

                 Anyway, yesterday was the day I felt true betrayal. It’s saddening cos it’s from someone I trusted, someone i looked up to and listened to for advice. I should have trusted my gut-feelings. Now thinking back, I did sense something was wrong as words always did not tally. But I decided to forgo that doubt and trust, believing that I should respect the elders, and trusting that she would not be wrong, since she was such a strong believer of God. Boy was I wrong, so what if she had constantly been using the words of Him, to teach, give advice and suggestions. Words have come back to me. I now know the rumours that have been gossiped about me. Super untrue events and characteristics about me have been talked about and spread around. Words about me being unemployed, words about me being clingy, words about me not helping out and not having a home to return to. 

                    I have no words. I had been facing trouble connecting with the people at home, that is true. It was my foolishness to think that I could have found a better environment, a warmer home with delicious homecooked food. I tried to balance- maybe in other’s eyes I did not do enough. Maybe washing your car, spraying paint to cover the scratch marks, barbequing for the entire family and friends for 3 hours, baking for your and your brother;s birthday, going to church on events like baptism and christmas even though I’m a freethinker, praying for the ghost festival and trying my best to help despite being scolded by strangers, making a dish every single time for family pot luck, ordering clothes for all your siblings including you for new year, paying for medical herbs, going out last minute and visiting multiple despite being tired from work to find that one desired sweater for your brother, having to wash dishes despite having tons of work undone- was not enough. I was foolish to think I was accepted, that every word and invitation to your family events were genuine. I did not expect the fear of turning down invitations and the fear of appearing rude to be seen as “clingy” and that “I do not have a home”. My passion for children, my related job- I did not know that that was not seen as a job. I had been independent enough, not needing to seek help for my finances, neither did I have any debts that your family had to pay off for me. I feel unjust with all these untrue words said and spread about me. 

                    Indeed, I am a clingy girlfriend. But if it can’t be accepted that my love for you is overflowing, 100% and pure. Despite all the flaws, all the fights, all the mistakes, I stayed by your side when you needed help. I complained and nagged a lot as I have difficulty managing my anxiety and worries. I love you, I want to see you- that simple. Just like how you used to find me at my workplace everyday. Why did you make that choice? Are you a clingy boyfriend? Maybe you are but I loved it that way. We were not fearful of how people looked at us. We were genuine about our love, not beating around the bush or playing games. 

                    I guess all that changed. I just wonder how much of all these you knew, or even if you knew did you defend me? Or maybe you are tired of defending me. I just wish you opened your heart and not get so affected by the judgements of what people say about our relationship. I wish you weren’t so affected when people made sarcastic comments about us meeting often and having fun. Is not that what love is meant to be? Yes it can be serious- we did have our fair share of job drama and breakdowns, but I believe it’s also meant to be fun, it’s for us to make memories, visit new places. We shared the same vision about exploring while we were young. Yes, I pressured you about settling down, but that does not mean I did not want to have fun anymore. I believe we have the capacity to create work life balance. It did not have to be so extreme.

                     Our love was fearless.

[samuelfields]

How to Invest in Index Funds

Knowing how to invest in stocks is an important step you can take to achieve financial freedom. It’s a statement backed by TONS of research.

The best way to invest in stocks is through index funds. I am not the only one saying that. It’s also recommended by billionaire investors:

“When you look at the results on an after-fee, after-tax basis, over reasonably long periods of time, there’s almost no chance that you end up beating the index fund.” – David Swenson

“Both large and small investors should stick with low-cost index funds.” – Warren Buffet

What is an Index Fund and How Does It Work

Successfully choosing individual stocks is difficult. Even people who have studied them for all their lives find it tough and can’t beat the market. That’s where index funds come in.

They may seem boring, but they tick all the boxes that a good investment should have.

Lowest costs? Yes.

Maximum returns? Yes.

Minimum taxes? Yes.

No effort? Yes.

An index is quite simply a basket of securities within an asset.

For example, the S&P 500 is a collection of the 500 biggest companies in the US. It’s a common market benchmark that lots of investors try to match. If you were building a portfolio from scratch, you’d have to buy shares in all 500 companies in order to match the market. Or you could buy one share in an index fund which matches the market for you. You get all the benefits without any of the work. The same principle works across any index fund for different assets like US stocks, international stocks, bonds, real estate, and even commodities.

An index fund aims to mimic an index. The fund managers invest in securities in the same proportion as they are found in the market.

Index funds are passive in nature. Their fund managers don’t keep buying and selling stocks to “beat the market”. In fact, their objective is to be the market.

Even if a few stocks in an index don’t perform well, the others will protect your portfolio. An index fund lets you own the entire market. Yes, that’s right. By buying JUST ONE index fund, you can invest in ALL of America’s biggest companies.

On the other hand, in actively managed funds, money managers use their judgment to invest in stocks that they believe will grow the most. But, as you know, that’s a difficult job to do. That’s why index funds perform better than actively managed funds 90% of the time.

Index funds are low-cost because they don’t charge you for BS like the fund manager’s fee and admin costs. Their job is a lot easier. They don’t need to do a bunch of fancy analysis to beat the market, they simply follow the market wherever it goes. An average index fund costs less than 0.20%. In comparison, actively managed funds have an average cost of 0.60%. The high fees also lower your returns. Why would you pay a higher fee for a lower performance?

By buying expensive mutual funds, you are securing your financial advisor’s retirement, not yours. At the same time, constantly buying and selling stocks also increases taxes, lowering your returns further.

Because of all these reasons, I recommend putting 90% of your stock investments into index funds.

So which index funds should you buy?

The Best Index Funds to Choose From

There are hundreds of indexes across the world and even more index funds. But there’s a few standouts that you should consider.

I’ve broken the most popular options down by asset class:

US Stocks

Vanguard 500 Index Fund Admiral Shares (VFIAX): This is my personal favorite. It tracks the S&P 500. Vanguard is the pioneer of index funds, and its founder, Jack Boggle, is a legendary American investor.

Expense ratio: 0.04% and Minimum Investment: $3,000.

The Schwab’s S&P 500 Index Fund (SWPPX) or the Fidelity 500 Index Fund (FXAIX) are also reputed funds. Both have no minimum investment requirements.

The Vanguard Total Stock Market Index (VTSMX): I also like this fund because it represents not just the biggest companies in the US, but also the smaller ones. It aims to track 100% of the investable stocks in the US. It’s a perfect option if you want a US stock index fund.

Expense Ratio: 0.14% and Minimum Investment: $3,000.

US Bonds

Bonds are like an IOU by governments or corporations. Most are very low risk. That’s why their returns are lower, but they make your portfolio less risky. My suggestion? The Vanguard Total Bond Market ETF (BND). It invests in both US government and corporate bonds.

Expense Ratio: 0.035% and Minimum Investment: $3,000

Real Estate Investment Trusts (REITs)

Think of REITs as index funds for real estate. They pool money from investors to buy income-producing real estate such as domestic and international housing, industries, and commercial properties.

They are great investments for those who don’t want to have the headache of buying physical real estate but still invest in it. I love the Vanguard REIT ETF (VNQ). It’s solid and reputable.

Expense ratio: 0.12% and Minimum Investment: $3,000

International Stocks and Bonds

International stocks and bonds diversify your portfolio. International stocks don’t typically correlate with the performance of US stocks. When one has a good year, the other usually doesn’t. By investing in both, you smooth out your returns by investing in multiple asset classes that don’t correlate with each other.

Here’s a real-life example of the benefits of diversifying in international stocks. From 1976-2010, a portfolio that had 60% US stocks and 40% international stocks would have given marginally higher returns but at a lower risk than a portfolio with 100% US stocks.

I like the Schwab International Index Fund (SWISX). It invests in several countries and is extremely affordable.

Expense Ratio: 0.06% and No Minimum Investment.

For international bonds, my choice is the Vanguard Total International Bond Index Fund Admiral Shares (VTABX).

Expense Ratio: 0.09% and Minimum Investment: $3,000.

Best Options for Buying Index Funds

If you haven’t already done it, the best way to begin investing in index funds is through your 401(k) and Roth IRA accounts. You should absolutely max out both because they help you save out on truckloads of taxes. Speak to someone at HR at your employer and set up an investment plan into index funds for your 401(k). Watch the fees though, some 401(k) plans only give you access to horrible mutual funds.

You will need a broker to invest in index funds through your Roth IRA. A good broker must be low-cost, secure, and easy to use.

My favorite inline brokers are TD Ameritrade, Vanguard, and Fidelity.

Signing up with these brokers is easy. Here’s a quick guide on how to go about it:

Go to the brokerage website of your choice.

Click on the ‘Open An Account’ button.

You need to apply for an ‘Individual Brokerage Account’.

Fill in all the relevant information about yourself.

You need to transfer the initial deposit at this stage if your broker requires it.

Sit back and wait. Verifying your information might take anywhere between 3 to 7 days.

The broker will get in touch with you once your account is setup. All that is left now is buying your first index fund. At this stage, it is as easy as buying something from Amazon. Look up the fund you want and place an order.

Considerations and Tips Before Investing Into an Index Fund

Now, I know you may be wondering how you can tell a good index fund from a bad one. Here are some things you should keep in mind while investing in index funds:

Costs: Traditionally, index funds are low cost (under 0.20%). But some of them are crazy expensive and cost more than 1.5%. You know what to do in this case. STAY AWAY from them. As a thumb rule, do not invest in index funds that cost more than 0.20%.

Tracking: The sole job of an index fund portfolio is to mimic an index accurately. To ensure this is happening, compare the holdings and returns of the concerned index to your fund. I don’t worry about this with major online brokers like Vanguard or Fidelity but if you’re investing into a smaller broker, check their returns and make sure they’re matching their benchmark as expected.

Checking investments every day: Do NOT do this. You are better of watching cat videos on Instagram. Believe me. Looking at your investments every day has not helped anyone. Check your investments once every three months. Index funds are the safest and best way to invest in stocks. Take advantage of it and don’t get worried with day to day drops.

Automation: Investing once a year is like exercising only once a year. It’s clearly not going to solve the purpose. You need to be consistent with your investments. So, make sure you set up an automatic monthly investment into index funds.

How to Invest in Index Funds is a post from: I Will Teach You To Be Rich.

from Finance https://www.iwillteachyoutoberich.com/blog/how-to-invest-in-index-funds/ via http://www.rssmix.com/

[andrewdburton]

How to Invest in Index Funds

Knowing how to invest in stocks is an important step you can take to achieve financial freedom. It’s a statement backed by TONS of research.

The best way to invest in stocks is through index funds. I am not the only one saying that. It’s also recommended by billionaire investors:

“When you look at the results on an after-fee, after-tax basis, over reasonably long periods of time, there’s almost no chance that you end up beating the index fund.” – David Swenson

“Both large and small investors should stick with low-cost index funds.” – Warren Buffet

What is an Index Fund and How Does It Work

Successfully choosing individual stocks is difficult. Even people who have studied them for all their lives find it tough and can’t beat the market. That’s where index funds come in.

They may seem boring, but they tick all the boxes that a good investment should have.

Lowest costs? Yes.

Maximum returns? Yes.

Minimum taxes? Yes.

No effort? Yes.

An index is quite simply a basket of securities within an asset.

For example, the S&P 500 is a collection of the 500 biggest companies in the US. It’s a common market benchmark that lots of investors try to match. If you were building a portfolio from scratch, you’d have to buy shares in all 500 companies in order to match the market. Or you could buy one share in an index fund which matches the market for you. You get all the benefits without any of the work. The same principle works across any index fund for different assets like US stocks, international stocks, bonds, real estate, and even commodities.

An index fund aims to mimic an index. The fund managers invest in securities in the same proportion as they are found in the market.

Index funds are passive in nature. Their fund managers don’t keep buying and selling stocks to “beat the market”. In fact, their objective is to be the market.

Even if a few stocks in an index don’t perform well, the others will protect your portfolio. An index fund lets you own the entire market. Yes, that’s right. By buying JUST ONE index fund, you can invest in ALL of America’s biggest companies.

On the other hand, in actively managed funds, money managers use their judgment to invest in stocks that they believe will grow the most. But, as you know, that’s a difficult job to do. That’s why index funds perform better than actively managed funds 90% of the time.

Index funds are low-cost because they don’t charge you for BS like the fund manager’s fee and admin costs. Their job is a lot easier. They don’t need to do a bunch of fancy analysis to beat the market, they simply follow the market wherever it goes. An average index fund costs less than 0.20%. In comparison, actively managed funds have an average cost of 0.60%. The high fees also lower your returns. Why would you pay a higher fee for a lower performance?

By buying expensive mutual funds, you are securing your financial advisor’s retirement, not yours. At the same time, constantly buying and selling stocks also increases taxes, lowering your returns further.

Because of all these reasons, I recommend putting 90% of your stock investments into index funds.

So which index funds should you buy?

The Best Index Funds to Choose From

There are hundreds of indexes across the world and even more index funds. But there’s a few standouts that you should consider.

I’ve broken the most popular options down by asset class:

US Stocks

Vanguard 500 Index Fund Admiral Shares (VFIAX): This is my personal favorite. It tracks the S&P 500. Vanguard is the pioneer of index funds, and its founder, Jack Boggle, is a legendary American investor.

Expense ratio: 0.04% and Minimum Investment: $3,000.

The Schwab’s S&P 500 Index Fund (SWPPX) or the Fidelity 500 Index Fund (FXAIX) are also reputed funds. Both have no minimum investment requirements.

The Vanguard Total Stock Market Index (VTSMX): I also like this fund because it represents not just the biggest companies in the US, but also the smaller ones. It aims to track 100% of the investable stocks in the US. It’s a perfect option if you want a US stock index fund.

Expense Ratio: 0.14% and Minimum Investment: $3,000.

US Bonds

Bonds are like an IOU by governments or corporations. Most are very low risk. That’s why their returns are lower, but they make your portfolio less risky. My suggestion? The Vanguard Total Bond Market ETF (BND). It invests in both US government and corporate bonds.

Expense Ratio: 0.035% and Minimum Investment: $3,000

Real Estate Investment Trusts (REITs)

Think of REITs as index funds for real estate. They pool money from investors to buy income-producing real estate such as domestic and international housing, industries, and commercial properties.

They are great investments for those who don’t want to have the headache of buying physical real estate but still invest in it. I love the Vanguard REIT ETF (VNQ). It’s solid and reputable.

Expense ratio: 0.12% and Minimum Investment: $3,000

International Stocks and Bonds

International stocks and bonds diversify your portfolio. International stocks don’t typically correlate with the performance of US stocks. When one has a good year, the other usually doesn’t. By investing in both, you smooth out your returns by investing in multiple asset classes that don’t correlate with each other.

Here’s a real-life example of the benefits of diversifying in international stocks. From 1976-2010, a portfolio that had 60% US stocks and 40% international stocks would have given marginally higher returns but at a lower risk than a portfolio with 100% US stocks.

I like the Schwab International Index Fund (SWISX). It invests in several countries and is extremely affordable.

Expense Ratio: 0.06% and No Minimum Investment.

For international bonds, my choice is the Vanguard Total International Bond Index Fund Admiral Shares (VTABX).

Expense Ratio: 0.09% and Minimum Investment: $3,000.

Best Options for Buying Index Funds

If you haven’t already done it, the best way to begin investing in index funds is through your 401(k) and Roth IRA accounts. You should absolutely max out both because they help you save out on truckloads of taxes. Speak to someone at HR at your employer and set up an investment plan into index funds for your 401(k). Watch the fees though, some 401(k) plans only give you access to horrible mutual funds.

You will need a broker to invest in index funds through your Roth IRA. A good broker must be low-cost, secure, and easy to use.

My favorite inline brokers are TD Ameritrade, Vanguard, and Fidelity.

Signing up with these brokers is easy. Here’s a quick guide on how to go about it:

Go to the brokerage website of your choice.

Click on the ‘Open An Account’ button.

You need to apply for an ‘Individual Brokerage Account’.

Fill in all the relevant information about yourself.

You need to transfer the initial deposit at this stage if your broker requires it.

Sit back and wait. Verifying your information might take anywhere between 3 to 7 days.

The broker will get in touch with you once your account is setup. All that is left now is buying your first index fund. At this stage, it is as easy as buying something from Amazon. Look up the fund you want and place an order.

Considerations and Tips Before Investing Into an Index Fund

Now, I know you may be wondering how you can tell a good index fund from a bad one. Here are some things you should keep in mind while investing in index funds:

Costs: Traditionally, index funds are low cost (under 0.20%). But some of them are crazy expensive and cost more than 1.5%. You know what to do in this case. STAY AWAY from them. As a thumb rule, do not invest in index funds that cost more than 0.20%.

Tracking: The sole job of an index fund portfolio is to mimic an index accurately. To ensure this is happening, compare the holdings and returns of the concerned index to your fund. I don’t worry about this with major online brokers like Vanguard or Fidelity but if you’re investing into a smaller broker, check their returns and make sure they’re matching their benchmark as expected.

Checking investments every day: Do NOT do this. You are better of watching cat videos on Instagram. Believe me. Looking at your investments every day has not helped anyone. Check your investments once every three months. Index funds are the safest and best way to invest in stocks. Take advantage of it and don’t get worried with day to day drops.

Automation: Investing once a year is like exercising only once a year. It’s clearly not going to solve the purpose. You need to be consistent with your investments. So, make sure you set up an automatic monthly investment into index funds.

How to Invest in Index Funds is a post from: I Will Teach You To Be Rich.

from Finance https://www.iwillteachyoutoberich.com/blog/how-to-invest-in-index-funds/ via http://www.rssmix.com/

[lilac-milk-moon]

Fitness and the Family Business — Sitting Poolside with Mike Monfredi from MikedUp Blog

The Sitting Poolside interview series

When people think of retirement, scenes of beachfront homes, rounds of golf, or reading by the pool come to mind. Sitting Poolside is a series of interviews that challenges that notion and other financial misperceptions. The series name pokes fun at the stereotypes, but it’s also an opportunity to discuss people’s real stories and unique insights. So grab a piña colada and pull up your lounge chair!

Mike from MikedUp Blog

I’m Mike – current 30-ish CEO and Blogger. I write Financial insights for Family & Business, and Fitness tips for all! We’re growing our family-owned business while I’m focusing on staying fit and being a solid family man… and writing about all the highs and lows on MikedUp Blog!

Wealth 

Mr. SR (MSR): What was your concept of wealth when you were growing up?

Mike Monfredi (MM): For whatever reason, my concept of ‘wealthy’ at a young age was earning $100,000/year. But I hadn’t quite grasped much of anything financially at a young age. I came from an upper-middle-class family, didn’t want for much, and although I worked from the age of 15, I still was afforded the privilege to pursue sports, different fields of work, and other passions.

I knew that I needed to save money but I didn’t quite know where, or how. I knew of the few employment options available in my hometown but honestly felt helpless at the prospect of only those few options, none of which seemed to boast much potential.

So I focused entirely on annual salary, ignorantly ignoring the multitude of ways I could put some savings to work for me (i.e. real estate, investing in the market, etc.). I felt that if I could earn 6-figures that all would be swell in the money department.

But I ended up finding out later in life that more money doesn’t solve your financial woes — it just gives you new ones.

The family business

MSR: What is your current career status? How do you like to spend your time when you’re not working?

MM: I am currently the CEO of our family’s small business, a 9-employee dental office in Columbus, Ohio. But up until January 2019 — I worked this job in addition to a regular 9-5 with a large state agency in Ohio as a Forensic Scientist.

I did the two full-time jobs while blogging, having 2 young children (well, technically watching my wife have them), and tackling all the other tasks that come with regular life. About mid-2017 my stress level was unbearable and with the counsel of my wife, we decided that one day she and I would work together in our business.

I’m stoked to report that today is now that day.

When I’m not working, I’m spending time with my girls, working out, playing beach volleyball, meal prepping, watching some live sporting event, or enjoying a glass of red with my wife on the 1 out of 30 nights both girls are asleep before 9:00. Love those days…

MSR: I’m curious to hear more about your experience in the medical field and with the business that you and your wife run together.

As doctors yourselves (and spending time with other medical personnel during your career), has that background affected your worldview or your priorities, compared to other people you know who have different career paths?

MM: Just for a bit of background — my wife is the dentist and I run the company (no clinical expertise). Although we have the same undergraduate degrees, our grad degrees are where we diverged academically.

With that being said, I do have many interactions with other medical professionals in addition to my wife and business partner — and I’d say that background does put a unique perspective on the decisions we make.

For example, we are 100% in business to make money, however the ethical component of doing what’s best for the patient cannot be ignored. Sure, we can try and sell the most expensive treatment for our patients, but if that’s not what they need, or if a less-expensive option would be best for their specific situation — that is what we suggest.

Many patients who visit our office do not have a great deal of clinical knowledge of dentistry. It is our job to educate our customers, explain what treatment they need — if any — and why, and at that point we’re able to start making money.

Aside from those points — we notice smiles while we’re out and about. Much like a car salesman may notice cars, sometimes we’ll exchange a, “Wow – nice teeth there!” under our breath.

Value of physical fitness

MSR: You share that fitness is a big part of your journey and one of your hobbies now.

Have you found that your health and fitness interests have correlated with your personal finance interests? Are there principles or motivations that fuel you in both areas?

MM: 100% — yes.

If you want to be successful in achieving a higher level of fitness, you need specific and achievable goals. You need a plan to reach those marks and you need some ways to measure and track your progress. From there, you need the discipline to see it through.

Does that sound at all like budgeting or tracking your net worth to reach FI, for example? It does to me.

The main concepts carry over to all aspects of your life, whether they’re fitness, finance, family, business, or otherwise.

Strategic goals, a well-researched plan, and the discipline to see it through while adjusting course along the way is the recipe used to make significant positive progress in life.

The trick for me lately, is realizing that I’m only truly capable of focusing on 2-3 major life goals at one time. So I’ll prioritize the most vital in the present moment, check them off, and move on to the next.

Financial journey

MSR: Describe your financial journey. 

MM: If you’re looking at a scatter plot with the X-axis representing time and the Y-axis representing net worth, my financial journey creeps up over a small hill in my early 20’s, drops off a cliff around 25, and gradually climbs a slow, steady, and arduous mountain at about 29.

The Sisiphyisian climb from 29 to present-day represents a multitude of hard work, incredible risk, and some ole’ fashioned good luck.

If you’re looking for professional experience and a bit about who I am in general, here’s an excerpt from my ‘Start Here’ page that gives you an idea:

I played football in college, got injured, gained too much weight, then lost ~65 pounds. I have an intense drive to keep that weight off. My degrees are in molecular biology and ecology. I’ve been fortunate to have worked, a lot – in a bunch of different fields (as a landscaper, men’s fragrance salesman, coach, server, quality supervisor, forensic scientist, blogger, and now CEO…) and in varying places (Ohio, Maui, Costa Rica, the Gulf of Mexico,…).

Monica and I took out some sizeable loans for her to go to dental school and for us to buy our business (MFD), and we are working to pay off that debt and grow the business (many posts about each of these in the archives and to come). We believe in credit cards that don’t carry a balance from one month to the next (love the points, hate the interest). We put family first and love vacations. Our world centers around our girls (Clara and Stella).

From here, we’re betting on ourselves and our business to be the drivers of economic gain and wealth generation, and we’re really stoked to be working together on a project we both love.

Family

MSR: You share that your marriage and your daughters are a top priority for you.

How do you balance your career and personal finance focus with finding time to spend with your family? Do you have any routines or advice for other people struggling to find a sense of balance in those areas?

What’s been working for me lately is to have specifically coded times throughout the day. Early morning is for workouts/family/getting ready for the day. Work hours are for work. Come 5:00pm — the kids bedtime, it’s family time. Then after the kids are asleep, I do my best to balance quality time with my wife, gym work, me time, and time for blogging or additional work on our business.

For the first 2 years we were in business, I had another full-time job thrown into that mix, but I’ve actually had a night or two to relax lately — which is a much welcome feeling.

As long as I’m not slacking on my discipline, and keeping the lines crystal clear — not allowing my coded times to bleed together — I’m able to find the balance my life needs.

Advice

MSR: What do you consider to be your biggest failure or regret?

MM: You know, I honestly don’t have many hugely regrettable situations in life. I’ve made a ton of mistakes, sure, but many of those have been tremendous learning experiences — and I’m better for them.

Honestly, I probably partied a bit too hard from 19-23. And with some of the opportunities I had in that window, I would’ve rather capitalized on making the most of those rather than worrying about ‘having such a good time’.

MSR: What is your concept of wealth or financial success now? What were the major influences that changed your view?

MM: Net worth. Period, full stop. I learned quickly that a 6-figure income doesn’t bring with it rainbows and unicorns. And if you’re not saving money, building wealth, paying off debt, etc. it really doesn’t matter how much money you make.

So, I’d say that ‘wealth’ to me means a healthy and growing net worth, while financial success is the ability to do the things you want to do in combination with growing your net worth, not in spite of it.

I saw individuals who earned what was a huge paycheck in my eyes who also didn’t have much in the way of assets. Conversely, I’ve seen folks who earn modest paychecks, but who’ve been good stewards of their money be able to retire comfortably and do the things they choose to.

MSR: What’s the most helpful book you’ve read recently? 

MM: Regular readers of MikedUp Blog know where I’m going here…

Extreme Ownership: How U.S. Navy SEALs Lead and Win by Jocko Willink and Leif Babin

For some perspective on my feelings regarding this book: I have given it as a gift to friends, relatives, and employees alike. In fact, it is the literature we use at our business to read, describe, and discuss the culture we have implemented. All of our team members have been provided with a copy and I’ve read through and discussed each chapter with all of them.

There are so many great leadership teachings in this book and the way that each chapter is constructed – with a real-life battlefield story that leads to a principle, which is then defined and finally applied to the business setting – helps to amplify and reinforce each chapter’s principle.

It also makes chapter discussions easy to facilitate. But maybe the most valuable lesson I have learned after reading through this book nearly 20 times is that by putting the Team before self, not only does the team win but by definition so do your individual ambitions and goals.

This book has helped me to be a better husband, boss, employee, and person. I cannot recommend it highly enough.

MSR: What advice would you give someone who is on the path to semi-retirement or early retirement? 

Develop a well-researched and results-oriented plan to build wealth. Ask ‘wealthy’ friends or acquaintances how they’ve generated wealth, read books, blogs, and listen to podcasts, and incorporate the points that work for you into your plan.

Understand the risks associated, where your plan can go wrong, and what to do when that happens. Use all of this information to come up with a plan that suits both your desired goals and the lifestyle you hope to live in pursuit of those goals.

Because life’s not about the finish line — that’s a misconception. It’s about the journey toward the line. And you have the ability to design that journey and all it’s twists and turns based on the decisions you make early on.

And once you decide where your life will lead you — put your head down and get to work.

MSR: Mike, thank you for sharing your family’s story with us. I appreciate your time and I’m excited to see how your blog and your business both continue to grow!

The post Fitness and the Family Business — Sitting Poolside with Mike Monfredi from MikedUp Blog appeared first on Semi-Retire Plan.

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Can I get insurance for an ex mod vehicle?

"Can I get insurance for an ex mod vehicle?

My father and I have decided to buy an ex mod 8x8 tractor truck for extreme off roading etc. but we were wondering if we could gain insurance to be able to drive it on the road and if there were any special laws and rules etc that would need to be aware of?  Any answer will be deeply appreciated

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

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When it comes to auto insurance (state of California) which car would be best to purchase used or new for a 16 year old which would be a manual transmission. We all know insurance for a minor is outragous and we would like to train our young adult on a stick first so they know how to drive both stick and automatic in their adult life. What car do you think new or used would be the best on auto insurance? Please be specific on the make and model of the car? Thank in advance for your answers

Will getting a ticket affect my dad's insurance?

So I was driving my dad's car and I made an illegal uturn at an intersection and got a ticket for it. The car is owned by my dad and it's under his insurance. Will this affect him in any way? If I don't pay the ticket, will it affect my credit or his or does it even affect the credit? I live in Vancouver, BC.""

Republicans: If your wife or mother died of breast cancer due to Blue Cross terminating her insurance on a?

flimsy excuse, how would you react? This is exactly what happened in California and several women died due to lack of treatment. As a Republican, would you Glad Hand the exectutive responsible for increasing profits, just take the court settlement and start your life over, or would you hunt down the exectutive responsible for her death and avenge it?""

""Liberals, How has mandating auto insurance lowered premium prices?""

Like you claim mandating Health Insurance will do, what say you?""

How much is car insurance?

I have a 2007 GMC Envoy and I am about to get my licence. The car used to belong to my parents but was given to me as a gift. I'm wondering how much insurance will cost me if I go through AMA? I've taken the drivers class and have the certificate, so there's a discount there.""

What's the cheapest auto insurance ?

What's the cheapest auto insurance ?

Best Insurance Company for a Minor?

If you are a teenage boy, what's the best insurance company for him?""

Car insurance for new car....?

Hi all, I'm about to get my first new car but I'm not sure about the insurance. Do I have to buy the insurance first and then go the the dealer and finance the car? Or do I when I get the car from the dealer will they give me like a 1 day policy so then I can buy insurance? And no, I don't want to get insurance thru the dealer just the financing. P.S. If it is of any help, it is a Mazda3 that may cost me $18,000 as off 1/28/07. Thanks.""

What dental insurance is affordable for individuals in Western New York?

I'm 24 and my job does not offer dental insurance. I m in a wedding in two months and need a cap put on a front tooth so I'm looking for insurance now. I'm having trouble finding a good insurance company for individuals that fits my needs and doesn't have a waiting period. Anyone have any suggestions as which way to go and what is ideal for a single woman my age? Thanks so much!

Will a guys health insurance cover his girlfriends pregnancy?

not married, she dosen't have insurance. Will his insurance cover it since its his baby?""

What insurance company should I choose for my car?

I just got dropped from state farm because of high risk and I'm looking for something affordable for a college student/ musician. I have to get full coverage as well. What is a cheap company I can go with that's not going to screw me over or anything?

Does an insurance company have to insure a rebuild title?

for a car that has been rebuilt does the company have to insure it?

Can I get insurance for an ex mod vehicle?

My father and I have decided to buy an ex mod 8x8 tractor truck for extreme off roading etc. but we were wondering if we could gain insurance to be able to drive it on the road and if there were any special laws and rules etc that would need to be aware of?  Any answer will be deeply appreciated

Will my car insurance cover this? and its no joke this seriously happened please answers!!!!?

ok i JUST got me a new car and i have insurance on it and everything and well i had some friends with me and they were in the back seat and they had a lighter and they decided to try and light their farts on fire and im being very serious here and well he got down and and farted on the flame of the lighter and it actually shot out and caught the back seat of my car on fire and burnt up part of the back seat and this really isnt a joke i didnt even know he was doing that and i walked over there right as he did it and sure enough it actually shot out and caught it on fire so will my insurance cover that? im to embarrassed to call and ask because they probably wont believe me!!!

Do my parents need to inform our home insurance company about my uncles car?

My uncle is a car collector and for the past 15 years he has been keeping one of his vehicles in my parents garage. We're not sure whether he has insurance on that car. Are we required to inform our home insurance company of this fact? What if it turns out my uncle has insured the vehicle, would we still be required to?""

What a cheap small car insurance company ?

Not a big company like geico , State Farm , or nation wide""

0bama: You can keep your health plan. Why will MILLIONS of Americans lose their health insurance?

. If you like your health plan, you will be able to keep your health plan. ~ Borat 0bama President 0bama repeatedly assured Americans that after the Affordable Care Act became law, people who liked their health insurance would be able to keep it. But millions of Americans are getting or are about to get cancellation letters for their health insurance under 0bamacare, say experts, and the 0bama administration has known that for at least three years. 0bama administration knew millions could not keep their health insurance http://investigations.nbcnews.com/_news/2013/10/29/21222195-obama-administration-knew-millions-could-not-keep-their-health-insurance""

Geico insurance: how so cheap?

geico's quotes are the cheapest. are their policy the cheapest also? whats the catch? how could State Farm, AllStates be so expensive and geico claims to be so cheap. Whats going on. I don't buy the every comapny is dift line they throw at you. How are they different? At claims time?""

Average cost for house insurance for a trailer? (VA)?

My husband and I have been renting for years and are looking to purchase a single-wide trailer as a starter home. We're looking at 2009 models under $50,000. I've googled myself to death and can't find an idea of what our monthly insurance cost would be. Just a rough estimate would be nice, so we can continue with our budgeting. Thank you!""

What could i expect to pay for insurance being a first time driver?

Hi, im looking to buy my first car with some money im getting from school; it will be used of course but i would like to know if anyone can give me insight on insurance costs. I will soon be 21 years old, have had a license for about a year and a half, and i have one accident on my record (possibly) that happened almost a year ago while driving my sister's car; and i was not listed on thier insurance as a driver does that make a difference? With all that being said how much could i expect to pay for insurance? Oh and i live in Philadelphia,PA if that helps with answers. Also what additional fees should i expect to encounter outside of insurance? Thanks!""

Roughly how much is liability insurance on a kawasaki ninja 250 (motorcycle)?

Roughly how much is liability insurance on a kawasaki ninja 250 (motorcycle)?

CHEAPEST DRIVING INSURANCE FOR TEENS?

im 19 and i was never insured. I live in ontario, canada. I want to be principal for 2007 chrysler sebring, I need the cheapest quote possible. thanks""

Insurance quotes?????????

I am about sit my practical car test so a thought a'll look for a car and insurance but the weirdest thing is that a got cheaper insurance on provisional liecense (which i had for 2 years) 2011 reg renault clio =1200 and if i pass 2100 does anyone no y?????

Is insurance expensive for a Motorcycle?

I want to get a 1982 Yamaha Virago and was wondering how much is the insurance? Im 23 years old

How much would my car insurance be if i am a 16 year old female driver?

i live in indianapolis indiana and i own a 1998 caviler

Insurance for drivers with convictions?

I have several driving convictions including drink driving in the last 5 years although ive never held a licence until now but my insurance is too high would you recommend not declaring convictions to insurance companies or changing my age to a low risk age group? please no do gooders

My car insurance just jumped up tremendously?

ok i was living in delaware. my car is registered there. i have a delaware drivers license. now i was staying with my girlfriend in her place and we recently just got a place in pa last month. however, all my mail still goes to my old delaware address. now, i have nationwide and i changed my address. thinking it wouldnt go up by that way. it went up from 1300 every 6 months to 4500 every 6 months. they changed my agent(it was based in elkton, md- 5 min from delaware). my agent is trying to get the policy back to elkton, maryland. however, i cannot afford this insurance. would i be able to change it back to delaware and just say that i decided not to move?""

2000-2001 Mitsubishi eclipse insurance?

I am 15 and will be getting a car soon and i was really liking the eclipse, but i have heard that the insurance for it is a lot. Could anyone tell me what a normal car insuance rate would be (say a sedan), compared to the eclipse??""

Will my car insurance rate change?

Okay so I got married this May and my car insurance is still in my old name and my old address... My husband has a couple tickets and accidents on his record... Will this make my insurance rate go up? Also I'm not living in the town that I got my insurance in anymore, will this be an issue? Thanks in advance!""

Does anyone besides myself think that hair transplant surgery should be covered by health insurance?

I am a 24 year old male suffering from rapid male-pattern hair loss. My hair started falling out somewhere between ages 18-20, and despite always having a lot of heart, will-power, ...show more""

""Car insurance question. Help desperately needed, please!?""

Here's the situation. Before I start here, I will say I have never sold a car/transferred insurance in my life until now (I'm 37) and I'm panicking. (Please don't laugh; I am somewhat mentally disabled and have a hard time understanding business side of things). Please bear with me: I have a 2000 Chevrolet Malibu with 178,000 miles on it. Last Friday, my husband's brother decided to give his 2005 Hyundai Elantra (53,000 miles) to us as a free gift. We decided to sell the Malibu to some friends of ours (with whom we have been friends for quite a few years). My friends have already paid us and they have a Bill of Sale and next week we are getting a duplicate of the Chevy title in the mail (because we lost ours), at which time we will transfer. Here is where the confusion begins: My mother-in-law (who is a retired State Farm insurance agent) drew up a Bill of Sale that indicated as its last sentence at the end, Buyer will show proof of liability insurance at the time the car is received (or something like that; I don't have the Bill of Sale in front of me). We saw our friends today to get the Bill of Sale notarized (they already paid for the car; we're just waiting for the title for the Malibu to arrive via mail, as mentioned above). Their insurance agent is about 90 miles away, I find out, and will need pictures of the car. Our friends insist that my mother-in-law is just being a mom since we're new at such a transaction (our friends have owned and sold boats, cars, etc., so they are experienced at this, too), meaning that she's being overcautious by saying they need to present proof of liability insurance at the exact time I give them the keys to the car. So, once I give them the title and the keys, are they responsible for when they get the car insurance? My Hyundai is covered through my insurance agent (my mother-in-law called them and got coverage on it already), but she insists that I am not to get insurance verification on the Hyundai until the friends show proof of their insurance on the Malibu after they get possession of it. Is that correct, or is my mother-in-law just being overcautious? (I would think that once I switch the Malibu title to my friends' name and give them the keys, that would relieve me of any responsibility any longer to the Malibu). Help me, please. I am so confused; I have my mother-in-law telling me one thing, and my friends telling me another. Both sound correct. So would I be right if I did these (in this exact order): 1) switch the title over to their name & give them the keys to the Malibu. 2) call my insurance agent and report that I sold my Malibu, and ask them to type insurance vertification for the Hyundai. (would I have to be present in person for them to type the verification for the Hyundai? Also, would my report of me selling the Malibu mean that they would cancel the insurance on it immediately?) I am sorry this is so lengthy; I tried to explain this the best as I could. I just want to do what is correct in the eyes of the law.""

Why do we have to have car insurance in the UK?

Why cant you chose whether you have insurance or not?

What auto insurance to get?

Im 17. Drive 1993 bmw 318is e36 black Car title is on my name Still live with parents Barely make 500 a month and still need to get new paint job and new tires. Ive calculated and turns out thats around 1k. So what auto insurance would be good for me? At least so it covers the damage done by me to other people.. not to expensive please. East Tennessee

New Car/ New insurance...need it immediately?

I will be buying a car on Sunday. I am under my parent's insurance right now but will be getting my own when I get the new car. Do I need to get the new insurance policy before driving the car off the lot? How can I do this without the VIN number? I live in Florida.

What are some good insurance companies to contract with as an independent broker?

What are some good insurance companies to contract with as an independent broker?

Does affordable car insurance exist for a 19 year old?

I'm a 19 year college student. Currently I'm a closing manager at McDonald's and a certified Cisco Network Associate. I'm in the process of buying a vehicle and was optimistic about it until I started to look for insurance. The cheapest policy I've found is $338 a month. There isn't any way I can afford that and the car payment. It's not that I'm lazy and don't work, I work 40 hour weeks plus overtime from closing. I live in a rural area (North Georgia Mountains) so taking the bus isn't a option for a 20 mile commute. My closest neighbor is 7 miles away so car pooling isn't realistic. I feel somewhat hopeless. I would join my parent's policy or something similar but I live on my own and have little to no contact with them. I've been borrowing my Mother's car to get to work but she's given me 3 weeks to get a vehicle or walk. I have found it to be almost impossible to transition into the real world and become an adult and live on my own. What's a guy to do in my situation? I can't work without transportation, and without work I can't pay bills. That American Dream I grew up hearing about seems to only exist for people who have established wealth and good parents. What's left for the others? Are people in my situation just ******?""

How much does a Yamaha YZF R125 cost? And how much is insurance/tax per year?

Cheers :)

Where can I find affordable health insurance for my son who has a mental illness.?

my son has a mental illness and maxed out of my husbands policy due to his age. He works 15 hrs. a week and his employer doesn't offer insurance for part time employees. We've checked numerous policies on line and the cheapest we've found for him is $800 a month, way more than we can afford. Because he still lives at home, our income is considered as far as government paid plans. We need to find a policy for him but I'm at a dead end. Any suggestions would be very much appreciated.""

Can I get insurance for an ex mod vehicle?

My father and I have decided to buy an ex mod 8x8 tractor truck for extreme off roading etc. but we were wondering if we could gain insurance to be able to drive it on the road and if there were any special laws and rules etc that would need to be aware of?  Any answer will be deeply appreciated

https://www.linkedin.com/pulse/buffalo-new-york-cheap-car-insurance-quotes-zip-14219-john-griffin/"

[lovenerdywinnerbouquetfan-blog]

Can you get your own insurance when renting a car?

"Can you get your own insurance when renting a car?

When going to a rental car agency such as Hertz or Avis they strongly 'encourage' you to purchase insurance. Can you get your own insurance that covers you in their cars rather than having to pay the insanely expensive insurance they offer?

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

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How much would car insurance cost for a 19 year old with a v6 chrysler 300 2012?

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Does a citation go on your insurance?

Does a citation go on your insurance?

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How much does car insurance cost for a 19 year old girl?

Living in South Jersey. 2 years with a license. No accidents/ tickets. GPA 3.0+. Good credit score. For a used car newer than 2003. I just need a rough estimate. I don't want some insurance agent to call me for an quote or get random e-mails from insurance companies, right now before I buy a car.""

Ticket and insurance rates?

My parents have 3 cars all insured in their names. I am 18 and I have my license but they never put me on the insurance because I almost never drive I usually just bike or get rides so it would be a waste of money putting me on. But recently I had to drive and I got a ticket driving for the first time in about 6 months. I am trying to get my ticket taken off my record but if I can't and it stays on then whats next? will it affect my parents insurance? or will I be forced to get on the insurance too? Is there anything I can do since I'm most likely not going to drive again until I go out and buy my own car later on.

Im looking for cheap insurance on a land rover series 3 im 17 years old where is the cheapest company?

what is the cheapest insurance company or cheapest option???

Honda city - 4 wheeler insurance -?

for a new honda city 2012 model, what will be the yearly insurance for it. for 31 yr old with 2 yrs of 4 wheeler driving record how to shop for cheap 4 wheeler insurance...and what to look for while buying it this is in chennai -""

2 speeding tickets in 1 days! USAA insurance. Help Please!?

Ok, so as the title says, i got 2 speeding tickets in 1 day. Yes that was stupid, i know. I am really worried. one is a $205 fine, the other $110 both for speeding 15 mph over. I think it is possible to get defensive driving with one of the tickets because my last ticket was around 2 years ago. Thats the other thing. 2 yrs ago i got in a wreck, my fault and a ticket too + defensive driving. so with all that taken into account. do you think i will get dropped from USAA insurance or how much do you think my rates will rise? Thanks for the help!""

Any statefarm agents that can help with a car insurance question?

I had my auto insurance with state farm for several years. I used to live in Miami, Fl for pretty much the whole time until this past January that i moved to Orlando. Until now (October 2012) i hadn't changed my address because i was planning on going back but now that i decided to stay in Orlando i ended up changing to another insurance company because my policy was going to be A LOT cheaper. My question is, should i be able to get retroactive pay for the difference in my premium from the more expensive premium that i was paying in Miami and the much lower one from Orlando? I sent my state farm agent my lease contract since the beginning of the year and she said that they weren't going to allow it. Does that sound right? I know it was my responsibility to have my addresses changed but since i didn't and i was paying my premium for one city while living at another. Thanks!""

Car insurance gets cheaper at 21?

Okay so this may sound stupid but I have heard that car insurance gets cheaper at the age of 21, I mean it is still alot for new young drivers compared to the 25+ year olds but apparently cheaper. For example a corsa would cost approximately 3,000+ for a 17,18,19 or 20 year old third party fire and theft...but when he/she hits 21, its goes down quite abit, probably to around 1,200 - 1,500....this is what I have heard but not too sure so wanted to see what you guys think!...thanks!:D""

Blue lake insurance address?

I need the addres to blue lake insurance or at least a direct telephone # to the address. The address used to be: 605 Coolidge Dr. ste 210 Folsom, CA 95630-4211 but they changed address and according to the mail they do not have a forwarding address. Does anyone have this insurance with the correct address and phone number?""

Insurance for electric components in a car?

I was wondering if anyone knowof an insurance company that offers affordable insurance for the elecltric components in a car such as cars that have a push to start button, navigation etc. The dealership offered insurance however it was not in my price range. Are there companies that have different options you can choose from""

How can low-income people *afford* lower cost health insurance?

Huckleberry suggested that low-income people will be able to afford low-cost private health insurance--but he doesn't say *how* that will be possible. Guliani says that with tax credits, people will be able to afford low-cost insurance. (How is that possible?) I haven't figured what the other GOP candidates want, but how can low-income people--and those on disability--be able to afford expensively HUGE health-insurance plans on what little money that is already afforded to them per month?""

Car insurance as a named driver?

Hi does any1 know any insurance companies who will insure a 20 year old as a named driver on a high performance car. This belongs to my dad and is a golf r32. I wont be fronting as i have my own car which i commute to and from work in so i know exactly what that is.. Anyone know any companys please recommend some I will give you the correct answer thank you.

Best child Plan or best insurance plan or Mutual funds ?

hi iam 30 year male from india working in merchant navy..i want to invest for future of my child through monthly investment of Rs.5000..please suggest me right way to achive my goal of getting good amount when my child reaches age of 18...i already have LIC jeevan anand..with cover of 10 lakh..and i am also depositing 70.000 p.a in P.P.F...so where u should think i invest to get maximum returns..??

Is Diesel cheaper than gasoline for insurance?

i need a 4x4 truck, im 16, which is cheaper for insurance?""

Car insurance under parents name?

So my parents are thinking about buying me a car. The only thing that is holding them back is the high insurance rate (I'm 21). Currently I am using my parents car for college and my current insurance is under my parents name. If my parents buy the car under their name, while having me on their insurance list, wouldn't the insurance rate be the same as my current one? Or at the least not as expensive as having my own insurance? Thanks.""

What is the best company for cheap car insurance?

I am doing my lessons, I am a 19 year old female and a mother of 1. I have just bought a renault clio 1.4 and need to get the cheapest possible insurance. To start i need insurance so that i can drive with someone in the car on my provisional but i also need quotes on how much it will cost me when i have past my test.""

Does anyone know if Nationwide insurance will raise your rates if you have a red car/suv?

I'm looking for a new car and wanted to call them this morning but it's a little late now. Does anyone know if Nationwide insurance will raise your rates if you have a red car/suv?

What insurance company provides the best rates?

So I just bought my Volkswagon Beetle and need to insure it. I'm looking for the most affordable and most reliable insurance company out there. Any suggestions? Thanks in advance

Keep insurance if I am selling the car?

I am selling a car that I still have financed. Do I still have to have insurance (full coverage) if I'm selling it and I'm not driving it at all? Ohio Law plz

What are my options for extremely decayed teeth and no insurance?

I have extremely bad tooth decay and I have no insurance. I really need to do something about it before it starts causing more serious problems. I am assuming they will all need to be pulled and I will need dentures, or at least pretty close. There are not many teeth in my mouth that have not shown signs of decay. Is there any good options for me that will not leave me in tons of debt? I am not looking to pay nothing, I just can't afford to be left with huge bills that will take me years to pay. Thanks for any help.""

Need help with my car insurance. . . ?

i need some help cos i'm pretty confused so i bought a car at the start of the year, took out a loan to get it, etc and I have been having no problems paying it off so that was going fine. than two months ago i had a huge crash which totalled my car. It wasn't deemed my fault or the other person's fault. I did have full comprehensive insurance, but i missed two payments. I remember recieving a letter saying if i kept missing these payments then my insurance would be cancelled. Than when i put my claim in to get my insurance on my car through after the crash, they said i had recieved a letter syaing that my insurance had been cancelled due to lack of payments. I'm confused, i didn't get that letter. now, i have no car and am still paying off that loan. Is there any way I can fix this. I don't think i would be able to get another loan for another car, and i don't want to put myself into that much debt, but i really do need a car help?!?!?!""

What's your Scion TC's Insurance Rate?

Scion TC's are in the top 10 most expensive cars to insure. (Number 2) So I was wondering if you have a TC, how much do you pay monthly? What's your deductible? What insurance company are you with? And how old are you?""

How do you get health insurance?

I'm try'na get emancipated from my parents, and they said I medical/health insurance. No ******** answers.""

Can you get your own insurance when renting a car?

When going to a rental car agency such as Hertz or Avis they strongly 'encourage' you to purchase insurance. Can you get your own insurance that covers you in their cars rather than having to pay the insanely expensive insurance they offer?

Do all car insurance companies need a deposit?

Im getting a car this weekend, i havent passed my driving test yet and im 18. But all the insurance quotes i have looked at need a deposit, can i get one that doesnt need a deposit, because at the moment i cant afford that one of payment for the deposit. HELP PLEASE!!!""

Will my car insurance go up if this happens?

In NY, if you are under 18 and drive past 9pm you can have your license revoked for 90 days. If you are under 18 and drive past 9pm, get your license revoked, will it drive up the cost of insurance? I have State Farm insurance.""

Does any1 know what the cheapest insurance is for someone aged 17-19?

Does any1 know what the cheapest insurance is for someone aged 17-19?

Insurance to drive?

I'm a college student and I have student health insurance. I just got my permit and I was wondering which insurance I need to get to drive??

""How much does homeowners insurance cost for a 250,000 house?""

How much does homeowners insurance cost for a 250,000 house?""

What is a fast car that is in a relativley low insurance group?

I was looking at a 1.6 Honda Civic Type S as that is insurance group 6, but they seem to be hard to come by. They are mostly 2.0 and that is group 11 which is too high as I am only 19. Budget is around 3500. Any ideas welcome. Can go over budget and put the car on finance for the right car.""

Where can i find the best disability insurance?

There are so many options out there I dont know who to choose.

I am 19 years of age i how much will they charge me for my insurance?

i have never been involved in a car accident or gotten pulled over by the police i live in california i have had my drivers license since i was 16. i own a 1997 nissan sentra gxe i pay 480 for it every 6 month and a 2011 nissan murano and i pay 554 every 6 months for it i have Farmers Insurance my dad is main driver my sister in the policy also. How much will they charge me if i buy a 2005 mustang will my car insurance sky rocket because i am consider an inexperience driver and mustang is a sports car Please help

Ok i need help on finding health insurance?

Im 19 yrs old i have no kids or a job, So i cant get on medicaid. I have hyperthyroidism and im on 2 medicines and need to see a doctor but i dont understand the deductuble and all that crazy stuff so any info will help me.. Thank you""

""On average, how much do YOU spend on utilities each month?""

I'm a college student getting ready to do into dental school. & I was wondering about how much do you spend on gas, electric, rent, insurance....etc. Please name what it is and about how much you pay. Do you have any money left over?? I'm like freaking out here because right now, I live in a dorm & I don't pay anything.""

Are there any good temporary car insurance companies in america?

Are there any good temporary car insurance companies in america?

Is there anyone on their parents car insurance ?

a few of my friends are and im wondering how much extra you have to pay to go on your parents car insurance rather than your own, thankyou""

I have question about car insurance?

so i literally bought my car insurance 2 days ago and i just got into a accident .... i have full coverage and a guy ran his red light and hit me and just left... will my insurance company think that i was just telling a lie or will they help me...i have progressive...

Pontiac Grand Am GT Insurance?

I am 20 years old. Looking at a 2 door coupe Pontiac GT. Never been in an accident, never had a ticket. Was wondering what the insurance is roughly going to cost me a month? I have All State. My dad doesn't want to call them because we just called them yesterday about another car, and we don't have the vin number. Thanks! Oh! It has power locks, a spoiler, and a sunroof too! As well as a single disc CD player.""

What would be the best choice for health and dental insurance?

I' am 22 year old college student in california and don't have insurance. i was wondering if anyone can help me with choosing a provider. i don't really know how health insurance works. but i would like to get something decent thats not to expensive or to cheap, i do want good coverage just in case. thank you""

How can I get additional health insurance for my kids?

i work for a hospital and i have excellent 90/10 insurance. but with both of my kids seeing specialists i cant afford a $30 copay x2 . i am paying $60 just to take them to the doctor. can i get a secondary health insurance that will help cover some of the copays?

Car insurance companies that allow you to drive other cars?

If i am over 25 and fully comp on my vehicle I can drive other vehicles that have fully comprehensive car insurance which insurance policy let you do this?

Does Progressive raise your insurance rates for no reason?

I got a good quote from them online, but the main complaint I have heard is that they raise people's insurance for no reason. They got good initial quotes, but a couple months later, they raise them. Anybody know anything about that?""

Health Insurance Ques?

Because he's a full time student, I can carry my son under my health insurance plan until he's 23. The problem is he'll be a full time undergrad until a few months shy of his 24th birthday. He works, but only part time so insurance isn't really an option at his place of work. It would be a bit much to go to school FT and also work FT. Any ideas? Don't want to go w/o insurance.""

""If i buy a car, how long have i got to insure it?""

If i buy a car, how long have i got to insure it?""

How much would my monthly insurance bill be (18yr old male)(i just want a ball park figure)??

When I turn 18 I am going to buy my first car (im 17 now). I can't decide which car I want to get. Please tell me about how much insurance will cost me for each one. I will be on my own policy. I will get my license just before Im 18. I live in California. My car choices are: 1. 2009 Nissan Versa Hatchback 1.8S 2. 2009 Honda Civic Sedan LX 3. 2009 Toyota Matrix S 4. 2009 Chevrolet Aveo Sedan LT

How come I haven't been forced to buy car insurance?

I keep hearing from some people on here that the government forces us to buy car insurance. How come nobody has forced me to buy it?? My roommate also doesn't have car insurance. We live in the city and take public transportation so we always thought we didn't need to buy car insurance. Are we breaking the law? Also, my brother lives in New Hampshire and he drives a car but said he doesn't have car insurance!! Is he breaking the law?""

Around how much do you think I will need to pay for car insurance?

I'm moving out on my own. I'm 18, female, have had my license for 2 years, no tickets, no suspensions, no accidents. I'm going to be living in Los Angeles, driving a car probably from 1990-95. I know you can't give me an EXACT number, but around how much monthly do you think?""

Buying a car in NJ from a Private seller but want Georgia Insurance?

I have a Georgia License and am currently away at College in New Jersey (My family has a house here and in Georgia). I want to buy my first car, but insurance in NJ is extremely expensive. How do I get Georgia insurance, Registration, and my Georgia address to show on the vehicle Title? When I purchase the car from the private seller, how will I be able to get my car home with no plates?? Is there a way to get temporary plates in New Jersey and Temporary Registration? Will I need to get a New Jersey License? HELP !!! Can someone give me a step by step walkthrough of what I have to do to get the Georgia Insurance? Thank you !""

Proof of Insurance (and deferral)?

Hello, I live in washington state, and have a mitigation hearing tomorrow for a speeding ticket. It's my first, so I have a few questions. In my ticket im charged with no proof of insurance, BUT I was wrong, I had my insurance I was just confused, I did not realize our AAA was our insurance as well as the aid that they're known for. Anyways, since then I have lost my wallet. So I have a temporary lisence but still no insurance card. So how do I get proof that I had insurance on that day? I have an insurance policy card I've been keeping in the dash. Will that work? Then how do I get this deferred? Do I ask the judge, or do I need to go to the courthouse today to get a form, etc. Thanks for any help.""

Can you get your own insurance when renting a car?

When going to a rental car agency such as Hertz or Avis they strongly 'encourage' you to purchase insurance. Can you get your own insurance that covers you in their cars rather than having to pay the insanely expensive insurance they offer?

My parents wont put me in car insurance?

My dad keeps giving me excuses to why I'm not on his insurance yet. His excuse now is that he wants to switch car insurances first, but that he can't until he fixes his car. Like why can't he fix his car under the new insurance? it makes no sense. I've had my license for about 3 weeks now. All my friends have been put under insurance as soon as they got their license. I'm trying to get a job, but I cant because I'm not on the insurance. and no one can drive me to work since they work themselves. My parents think my older brother is my personal driver, its annoying. I don't know what to do. Any advice?""

Named driver car insurance?

My dad purchased a car and added me as a named driver. I use the car whenever he doesn't use it but as a majority he covers more miles than I do, some weeks it's 50/50 usage others I use it not as much. My dad is the owner of the car and the policy holder. He received a call from the insurance people and because he said we use it 50/50 some weeks they have now given him 7 days left before they are going to cancel the insurance. He payed this in fully and is only 2 months in. He recieved no terms and conditions, are they aloud to do this? Please help as he is isn't clued up on this and we both need to use the car. We were told that we need separate insurance for the vehicle which seems ridiculous seen as that would be double the price and not make any sense. He has his own other vehicle which he uses for work and I only use the shared car when necessary. Thanks in advance for any help. Ryan""

What is a reputable insurance company that offers liability insurance for DJs?

I am looking to get started into the mobile DJ business although am wanting to find out what insurance company is the best.

Will a bike licence bring down car insurance?

Ok, so I'm 18 and am looking to learn to drive. I know that insuring a car is going to cost a bomb anyway, but will the fact I have passed a full motorcycle test (A2) help to bring my insurance down? Or will the fact I will have access to two vehicles (car and motorbike) increase my insurance? By the time I pass my car test I would have had my A2 licence for a year and have 3years no claims discount. Also I am looking at getting a 1.1 Citroen Saxo. Will a two door be more expensive than the four door to insure or doesn't it make much difference?? Thanks.""

Individual health insurance plan?

I'm trying to find an individual plan that covers all my needs. I do have a routine medical problem that requires a few prescriptions every month, it's not a big and costly issue like cancer or HIV. Should I disclose this as a preexisting medical condition if asked, will I be denied coverage if I'm honest? If I obtain the insurance after denying my condition could I be denied the care/specialty visit/meds from a very routine medical condition?""

Can I Buy Car Insurance Without Having A Car?

I'm not planning on driving anyone else's car it's just that my mom doesn't want to put me on her insurance because she says that it'll be too expensive for her (even though I would pay her for my piece). Thing is I don't have a car yet but do plan on financing a ar very soon. I've been pre-approved so I'm pretty much set to go but want to just drive my car off the lot without any problems. Also, does 'non-owner's' insurance like roll over should you buy a ar yourself? Like say for instance I did get non-owners insurance, drove my mom's car and then finally got enough money to buy my own car, can I use the same insurance?""

I was wondering if anyone could tell me if you can get like your life insurance lisence online and where?

I was wondering if anyone could tell me if you can get like your life insurance lisence online and where?

What is a good insurance for wisdom teeth extraction?

I am currently a college student, and I don't have any dental insurance coverage. I visited a general dentist today, he said that I have to get my four of my wisdom teeth remove ...show more""

Is it cheaper to get insured on your parents insurance?

Is it cheaper to get insured on your parents insurance?

Car insurances?

18yrs old just been quoted 1,300 for a 1100cc car K reg.Offered 300.00 plus 1.000.00 returnable deposit if he dont have any accidents, broker did not want to know but said on top of all that he has got to pay the first 350.00 if involved in a accident. How dear is that?ps past tests.""

How long should I get a term life insurance policy for?

I'm researching term policies to cover the shortfall for life insurance from my work. How long is reasonable to get a term policy for? Term to 60, 75 or 100 years?""

What insurance has the cheapest rate for teenagers in California?Is there a company that insures only a driver

What insurance has the cheapest rate for teenagers in California?Is there a company that insures only a driver

Exactly how much does credit score affect auto insurance rates?

Can anyone tell me roughly what percentage my rate is gouged (oops, I mean 'increased') as a result of less than perfect credit? I have Progressive insurance if that helps. Thanks!""

Who do I contact when a taxi driver has no private insurance?

Who do I contact when a taxi driver has no private insurance?

What is the cheapest Auto Insurance Company for male teens?

Insurance company's Screw teens so much, what are some of the cheaper company's? I have gotton quotes from $107 a month to $250 a month and everywhere in between for just state minimum liabilty""

How much would an insurance be a month for a 01 lexus Is300 for a guy thats 18 and first time driver..average?

How much would an insurance be a month for a 01 lexus Is300 for a guy thats 18 and first time driver..average?

Insurance cancellation question?

I cancelled my old insurance with Access about 2-3 weeks ago and I was told I'd be receiveing and reimburstment check back from them since the policy had only been active for about 2 months. What's to average wait time on one?

I just purchased car insurance today?

So I just passed my test today and just purchased insurance from Bell over the phone, and my policy starts from Friday. I know I cannot drive until Friday. So say I was pulled over by police on Friday night, and I have to take documents to the police station, how do I prove to them that I have insurance? I don't have a piece of paper but I DO technically have insurance .. What do I do if I get pulled over?""

What kind of vehicle would have the cheapest insurance?

I need to buy a new car, and have pretty high insurance. I was wondering what types of vehicles would have the cheapest insurance for a newer car (2000+)""

Where can I apply for free or low cost health insurance?

Im a poor student that works less than 20 hrs a week. I am a permanent resident (not a citizen). Please help. I think im going to die soon (see my other question). I also live in montgomery county maryland if that helps

Enquiry about car insurance and how it works?

Okay, the question is worded wierdly, but you'll get it :P. Anyway, I have my driving test coming up in April, so I have to be thinking about a car, insurance etc. I was wondering if there was an average of how much car insurance is for the first month after you pass, and how long it stays like this till it starts too go down. Also, is there anyway I can reduce it? I plan on making parents named drivers etc, will this help reduce?""

Insurance company !?????

How does someone own or idk a insurance company.. I mean I would like to own my own office with State Farm insurance how do you go by doing this

What insurance company will give me the cheapest full coverage policy on a sportbike?

I'm 23, I have one year of riding experience, and i have no traffic convictions. I'm looking to go no higher than a 600. I live in an apartment, and I will have a lojack installed. I can't seem to find a policy for less than 3,000 bucks a year.""

Question about car insurance?

a friend of mine parked his car in another friends shed.The car was an 18 yrs old golf.The problem is that the car went on fire and took shed and all.When the owner of the shed checked his insurance he had it under insured.My question is though should the car insurance cover the building of the shed and its contents?The grand total would be 23000 euro.The shed and contents were only insured for 3000euro and the car was only insured for 800euro?

Might be pregnant need affordable med insurance?

Im 18, my parents don't have any kind of insurance, I might be pregnant(my parents have no idea), I am in the process of getting a job as a Habilitation worker but they don't give me any insurance. what should I do?""

Can you get your own insurance when renting a car?

When going to a rental car agency such as Hertz or Avis they strongly 'encourage' you to purchase insurance. Can you get your own insurance that covers you in their cars rather than having to pay the insanely expensive insurance they offer?

""No fault claim on car insurance, will rate go up?""

My truck was hit by a car while parked in valet parking. The valet company was not driving the other car, it was a lady who tried to get around my truck because she did not want to use the valet. The valet company took her insurance information and wrote a report indicating what happened. I only have a few deep scratches on my bumper, but it is a new car and kind of want to get it fixed because it is new. I was hesitant to call my insurance and tell them about it because I have heard that a claim is a claim on my record regardless of fault. I did call my insurance to discuss the situation and when I could ask if my insurance would go up for a no fault claim, the lady told me she just filed the claim and an adjuster would contact me in a few days to answer all my questions. If it is only a few hundred dollars in damage, I would have rather paid it myself than have a claim. Anyone experience anything like this and how long does claim stay on record in case I have a real claim someday?""

How much is your car insurance a month?

What kind of car do you have? What car insurance company are you with?

After getting a speeding ticket how much does your insurance increase on average?

After getting a speeding ticket how much does your insurance increase on average?

MetLife Dental Insurance...?

Does anyone know how this insurance actually works? I got this insurance through my employer (haven't had insurance in a LONG time!!), and from what I'm reading...it sounds like you have to pay for services up front, and then they reimburse you?? Is this how it works, or am I mistaken? I'm so confused, and really want to go get a general cleaning and exam....but don't have the money to pay for it when I go!""

Life insurance and payout?

I want to get life insurance in the amount of 250000 for my daughter. If I pass away I am concerned how the money will be spent. How can I make sure the money goes to a college education and perhaps buying a home for her. I have no family so I cant ask anybody to take care of this if I pass away. Thanks. I live in California.

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

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

Car insurance question?

i recently quit my job and was woundering if it is possible to cancel my car insurance and get it back when i get another job and btw i got state farm

How much is insurance for a used 2008 infiniti g37 insurance for a 16 year old male?

I will be turning 16 this march and im already looking for cars. I have good grades, about a 3.8 GPA, if not better. Im planning on paying for the car myself. not all up front of course. Im planning on getting a job and putting a down payment down of about $10,000. I would of cuorse pay the rest off monthly. If i do end up buying the car id like to get an estimate for how much it'd be... Id do all discounts possible and i live in illinois.""

How can i find out if someone has insurance on me?

life insurance police

Difference between health and life insurance?

Difference between health and life insurance?

California life and health insurance exam?!?

I took it once but only got 60% and it was super difficult with only studying the pre licensing course. Can anyone give me some other materials or advice for getting a passing score. Please and thank you. And please no bulls**t answers-___-

I think my short term disability due to giving birth got messed up?

So I want on leave on May 20th due to best rest. I used all my vacation and leftover sick time, and the rest is paid by short term disability, a total of about 9 weeks total. I stayed home 6 weeks after my baby was born since my work doesn't cover any of my pay. I work in a very small private business, just 3 of us. My boss had never handled maternity leave before, and I think he did it wrong. A few weeks after I gave birth he said he got a check from the disability insurance agency, it was made out to his business. So he cashed it and wrote me a check for the total amount from his business account. There was no explanation of how to dole it out, so he just gave me the total amount. Then, just now, 3 weeks later, I got another check mailed to my home from the insurance company?? What happened? I should of only got paid for the 3.5 weeks I believe from short term disability because I was paid for the rest. The insurance company is not open until tomorrow so I cannot call them yet.""

What is a good looking car that is cheap on insurance?

I am 15 and I am trying to figure out which car would be the best for me. I want to nice looking car that is not to fast because the insurance will be to much. I was looking at the Honda Civic and the Mazda 3. Any ideas? I do not want to spend more than 7 grand.

""Need a license, insurance, and car...?""

I need all three of these. What is the proper order to get them in? I thought you need insurance to get a license, and a license to get a car. But don't you need the car to get it insured? And can you get insurance without a driver license number? I'm confused any advice would be appreciated.""

What is an insurance quote?

how do I check what insurance is the best?

How much does medical marijuana cost? Does insurance cover it?

How much does medical marijuana cost? Does insurance cover it?

How do Americans live in a country where you have no health system?

If you get sick enough you could lose everything, if you don't have insurance. I think that you can lose everything even if you have insurance.""

How to be a insurance agent?

i need to some gain some knowledge about how to be a insurance agent. I am a senior in HS and i dont know what path to take. is insurance agent a difficult job? what classes should i take? is insurance agent a business major?

""I'm a female unemployed, living in upstate NY & need affordable health insurance! Desperate for suggestions!?""

I have been unemployed over a year. Although I am collecting unemployment benefits, I work a job per diem (usually 1-2 days per wk. which means I can't collect full unemployment benefits). I can't afford private pay insurance i.e. Healthy NY etc & don't financially qualify for Medicaid. Are there any other options? I would hate for a catastrophic illness to dictate my coverage & thus spend the rest of my life paying off medical bills!""

How much does car insurance cost.?

I am 18 and ready to get my drivers license but how much does car insurance cost per month on average.?

Car insurance?

I have a 94 camaro and I was wondering how much insurance would cost under my parents name. I'm 16 and a good driver, I don't know if that matters but I want to save some money""

How much does it cost to insure a 2003 hyundai accent 4 door?

How much does it cost to insure a 2003 hyundai accent 4 door?

Car insurance?

Is insurance cheaper on older cars?

How much money does car insurance go down when you turn 17?

I'm 16 years old and turning 17 in a few months. I am currently paying about $435 for insurance in a 6 month period. Will that rate decrease when I turn 17, not having any tickets or accidents?""

Where is the cheapest place in Nashville to get renter's insurance?

Anyone know of a good company or individual that offers inexpensive renter's insurance in Nashville, TN? Also, is the fee a one time fee for the entire year? or is it a monthly fee? Lastly, if you could give me an idea of prices for renter's insurance for a 1-2 bedroom apartment, that would be helpful too! thanks!""

Can you get your own insurance when renting a car?

When going to a rental car agency such as Hertz or Avis they strongly 'encourage' you to purchase insurance. Can you get your own insurance that covers you in their cars rather than having to pay the insanely expensive insurance they offer?

http://www.linkedin.com/pulse/would-car-make-my-insurance-go-up-caridade-ma"