#you can ask how much we owe in rent. it’s accumulated from not paying the whole amount every month for a YEAR or so

[calcifermovesthecastle]

Shared Language

Ghiaccio x Florist!Reader, gn pronouns, fluff ending

1000 follower giveaway for @therealcozyy after a million years I’m so sorry

Warnings: kind of angst, hospitalization and IV’s but nothing major

At the end of a busy day, all you want to do is close up shop and trudge to the apartment the floor above you, and collapse into bed. Thirteen Bridal Bouquets, Add on roughly six each for bridesmaids, as well as walkin customers have you frenzied and harrowed and exhausted, your hands aching with the amount of work you pulled today. Annoyance shoots through you when you hear the patronizing ring of the bell, signaling someone new, and you squeeze your eyes shut, collecting yourself before you turn around. 

"I'm horribly sorry, but we are closed for the night, so-" Your voice trails off when your eyes graze over the Passione pin glinting on the man's shirt, and you visibly wilt when your eyes travel up to his face. "Of course. How much do I owe you?" 

"It's a protection fee. It's not any lower or higher than it's ever been," He responds, looking just as annoyed with the situation as you feel. You sigh, biting your tongue, and crouch behind the counter, skimming the shelves for the envelope you usually keep the fee in. 

"Right, here you are. Um, let me count it out just to make sure I have it all, if that's alright?" 

His eyes meet yours, narrowing, before he shrugs, resting his hands on the counter. You flip through the bills, organizing them by every fifty euros. He watches you count like a hawk, his eyes flicking to your face when you purse your lips in a particular way and freeze. 

"Shit." 

You disappear into the back office, and he can see you rummaging around, looking more and more stressed as you go. 

"Is there a problem?" He calls after you, an edge to his voice.

"No, no, it's-" You come back out to the front, looking near tears as you open the cash register. Your voice cracks when you speak again. "No, there's not a problem. Give me just a moment." 

By the time you've finished counting, there's ten euros left in the register, and tears have started to pool into your eyes. You have to swallow to speak, and when you do, your voice is soft and catches on each word. 

"There. Ten-Ten thousand Euros." You recount once more just to make sure it's all there, tucking it back into the envelope and handing it over to him. His eyebrows knit as he glances to your register, and your lip trembles when you speak again. "Now, really, sir, I do have to close up for the night." 

Even though he's left your shop, he remains in his car, watching you lean over your desk and cry as you appear to do some calculations. Wordlessly, he drives away. 

    -

You're in the middle of arguing with a customer on the price of a standard funeral basket when the bell rings, and one glance over at the door has you panicking. 

"Shit, sir, you need to leave," You usher the fuming customer out the door and swivel, your eyes wide, at the man from last night. "Was it not enough?! Are you going to take my-" 

"Woah, slow down!" He holds up his hands. "I just- do you want- cazzo," He spits, shoving his hands in his pockets. You shift nervously, hysteria quickly threatening to well up past your throat. "Shit. I saw that you didn't have much left yesterday, so I wanted to- buy you lunch." 

You aren't sure if you heard him properly, but when what he says finally registers, your legs crumple underneath you. 

You wake to a concerned blue haired man, and a curious purple haired one who's taking your pulse and checking you over for injuries. 

"Oh, good, you're awake," The purple haired one smiles cooly, helping you sit up. You press a hand to the back of your head, wincing. "Ghiaccio here called me in a frenzy when you passed out. I'd pass out too if he ever asked me out to eat." 

The blue haired one- Ghiaccio, glares daggers at his companion, practically frothing at the mouth, his teeth grinding back and forth. The purple haired one pays him no mind, continuing his conversation with you as if you were old friends. 

"I don't think you need to go to the hospital, but my advice is close early and get some rest. 

"I- what?" Your mind is still trying to catch up to what's happening- two men from Passione acting so casual with you it's like you've known them for years. You frown, gingerly rubbing the back of your head. Not Ghiaccio chuckles, the corners of his lips quirking up with the action as he repeats himself. 

"I- I can't. I can't afford to close early. My rent is due in three days and I have 300 euros. That makes me 1700 euros short and if I'm short again I'll lose my business." 

"Have you eaten since last night?" Ghiaccio speaks up, his words harsher than he probably intends. You stare at him blankly. 

"No?" 

"Do you want to?" 

"I-" You glance at the clock. "I would, but…" 

"What if we brought you some food back here?" Not Ghiaccio coos, earning a death glare from his companion. You bite your lip, slowly getting to your feet. 

"I guess so? If you're offering." 

"I'll be back in forty minutes," Ghiaccio ushers his companion out of your shop, and you're left alone to mull over what happened. 

True to his word, he strolls back into your shop forty five minutes later, a bottle of water and a box of margherita pizza in hand. He sets it on your counter, biting his bottom lip nervously. 

"Are you pitying me?" You ask him quietly, reaching out for the bottle of water, pausing just before you grasp it.

"Since when is doing something nice for someone pitying them?" He looks genuinely taken aback, and you can see anger rising in his face. You decide to let the issue go, opening the box and taking a slice of pizza. 

"It's not something you had to do," You take a bite, feeling a little awkward that you're eating in front of him. "But thank you." 

He takes a slice of pizza for himself, looking uncomfortably stiff as he eats. You share a tense silence with him, your mind reeling with the possibilities of his presence. 

"Are you not enjoying yourself?" 

"I could ask you the same thing," You turn to him, pulled out of your funk. "You're standing in my lobby still as a statue, looking like I just gave you the worst news of your life." 

"What the hell does that mean?" He snaps, stiffening even more. You cover your mouth to hide the smile forming on your lips. Maybe you could enjoy his company after all. 

"It means if your eyebrows knit together any further, you're going to form a unibrow," You take a discreet sip of the water he gave you, laughing when he swivels to face the window, trying to see what you're describing. 

His heart stutters when he hears it, the way your mirth sounds so musical and carefree. God, he thinks to himself. He could listen to that forever.

"Hey, listen," You set the bottle of water down, moving around behind the counter for a moment. When you look satisfied, he watches as you come around the counter and present him with a small bouquet, mixed with white clover, pink sweet pea, Hydrangeas, and peach colored roses. "Thank you."

His face burns as he reaches out and takes the flowers, his heart hammering in his chest when his hand grazes yours. You smile gently at him, retreating back behind the counter. He can't find anything else to say, so he gives you a gruff goodbye and leaves your shop, sitting in his car long after he arrives home. 

-

"Who're the flowers from?" Prosciutto looks up from his book, eyebrow raised in question as Ghiaccio enters the hideout. Ghiaccio balks, stammering in a mix of embarrassment and indignation. 

"The florist three blocks down. Why do you need to know?" 

"Oh? They never give me flowers when I collect their protection fee," Prosciutto hums, tilting his head. 

"When's the last time you bought them lunch?" Melone drapes himself over the back of the couch Prosciutto lounges on, grinning coyly at Ghiaccio as he searches for a vase. Prosciutto hums again in understanding. 

"Their shop still not doing too well, huh? How much did they have left this time?" 

"You make it sound like you want their business to fail," Pesci whines, jutting his lower lip out. "They're always so nice to me when I collect the fee. They'd lose their home if they shut down." 

"They had ten euros," Ghiaccio answers, grabbing a cup and filling it with water, setting the arrangement of flowers inside and carrying it to his room. He gingerly places it on his windowsill, tilting it until he's satisfied that it would get the best amount of sunlight. Prosciutto appears in the door, entering without asking and leaning over Ghiaccio's shoulder to peer at the flowers. His mouth quirks up into a smile when he's satisfied and turns to leave. 

"What? What's that face for?" Ghiaccio stops him from leaving, his tone demanding. Prosciutto looks too smug for his own good, his eyes slanted downwards as he studies Ghiaccio's form. 

"Look up the meaning of those flowers and you'll understand," Prosciutto sidesteps and leaves with a wave of his hand, leaving Ghiaccio fuming. 

-

He had wanted to come by sooner, but unfortunately, got caught up in an odd schedule where he'd travel from job to job, and got stuck in Rome for a month on a hit that only paid One Hundred thousand euros. By the time he'd come back home, he did nothing but sleep and keep up on the paperwork for two days. 

The next time he shows up at your shop, you're not there, and the windows and doors have been boarded up. The sign on the entrance says "Gone out of business."    

"Shit. Shit, shit, shit!" He kicks the door frame furiously with each swear, earning some strange glances and some comments. 

"Christ, man, they weren't even the best florist in town. It's a wonder they stayed afloat as long as they did." 

"Heard it was because they couldn't pay their rent this month. Honestly, with how much Passione charges, it's not even a protection fee anymore, it's an eviction notice waiting to happen." 

"Honestly, they're just flowers. Why is he so worked up?" 

"The person running the shop wasn't even that personable." 

The crowd he'd accumulated falls silent when he turns around, his expression nothing less than smoldering. Some furtive glances at his pin, and soon, the street is empty. 

He meanders back home, kicking pebbles to the side, glowering at anyone even remotely in his way, and slams the door so hard it almost falls off of the hinges when he arrives, earning a displeased look from Prosciutto. 

"What's the matter with you?" 

"Where the fuck are they?" 

"That's rather vague," Prosciutto lights a cigarette and leans back on the couch, resting his ankle on his knee. "Did you have a hit go wrong, or-" 

"The fucking-" Ghiaccio all but stomps over to where his colleague sits, ripping the cigarette from his mouth and taking a deep dreg himself. Prosciutto's brow furrows in annoyance, but he doesn't say anything as he pulls out another from his silver case and lights it. "The florist. They went out of business. Where did they go?" 

"Like I should know the answer to that," Prosciutto scoffs, tapping his ashes into the tray on the end table. Ghiaccio follows suit, taking another deep inhale, sputtering when it goes up his nose. Prosciutto huffs again, shrugging. "What am I? A babysitter? I told you they were going to go under." 

"Well, who collected their fee last?" Ghiaccio throws himself into the chair perpendicular to Prosciutto, tapping his ashes out. Prosciutto hums. 

"Had to have been Risotto. The rest of us were all on hits at the time it's usually collected." 

Ghiaccio bolts up, putting out his half smoked cigarette, earning a glare from Prosciutto. 

"If you're going to steal my smokes, the least you could do is finish them. These are expensive, you know." 

"Then buy a cheaper brand," Ghiaccio retaliates, walking back towards Risotto's office. "We're on a budget anyways, aren't we?"

Just barely in earshot, he can hear Prosciutto telling him to fuck off. Inhaling deeply, he knocks on his capo's door. 

-

"No clue." 

"What the fuck do you mean, no clue?" Ghiaccio's voice is nearing hysterics, and he taps his foot fast, his eyes blown wide. Risotto's demeanor doesn't change, he just hums. 

"Exactly that. I collected their fee two weeks ago. I was in and out. I didn't even know they were shut down until just five minutes ago, when you burst in here screaming about it." 

"Cazzo. CAZZO! Fine, I'll find them myself!" 

"You said Melone went and helped you with a fainting spell they had? See if he can help." 

"See if that slimy- oh." 

-

Of course. 

Of course it had to snow. 

You sit against the brick wall of the alleyway, doing your best to ignore the drug deal to your left, and the way your stomach twists painfully. 

"Hey! Hey, you!" 

You hunker down, your brow furrowed miserably, and close in on yourself a little more to stave off the cold. 

"Hey, you, on the ground! Get the fuck outta here. This is my turf!" Your screamer's legs appear in front of you, and you look up at him, dead eyed. "Jeez, you look like real shit, you know? When's the last time you ate?" 

"Leave me alone." 

"What, not even a hello?" Your perpetrator sneers, crouching to your level. You don't have it in you to even glare. You're too hungry. He scoffs, eyeing you. "Tch. Find somewhere else to starve to death, huh? You're making it hard for me to do my business." 

"Do you have to humiliate me any more than I already am?" You sigh, trying to get to your feet. "Fine. Just leave me alone."

You lean heavily on the wall, your legs trembling underneath you. Homelessness has not treated you well, and the stares your emaciated body receive only further your spiral into despair. 

You've barely made it to the next alley over when your legs give out, and you collapse face first into the accumulated snow. Hazily, you think to yourself that you have to get something to drink somehow, and pull yourself up, grabbing handfuls and shoving it into your mouth, nevermind how cold you already are, your thin long sleeves and tattered excuse for pants clinging wetly to your body. The only thing you can do now is wish for death to come faster than it does. You fall down onto your side and stare blankly at the opposite wall, willing yourself to fall asleep. 

You think you see a pair of legs come to a halt in front of you before you slip into a haze. 

-

When you wake again, a flat white ceiling greets you instead of a cloudy sky, and you notice the weight of a blanket on you. Hazily, you glance over and notice an IV drip hanging out of your arm, and a somewhat familiar blond haired man in a suit sitting next to your bed, smoking a cigarette and absentmindedly reading a newspaper. His eyes flick over when he senses your movement, and his brow shoots up. The paper is set aside, and he takes a generous hit from his cigarette before speaking. 

"Good morning. We weren't sure if you were going to pull out of that or not. You've been asleep for almost four days. It's funny. You lose your business, and suddenly, you drop off of our radar. It was quite a chore to find you, you know." 

"Are you mocking me?" You croak, trying to pull yourself up into a sitting position. The blond appraises you for a minute, puffing smoke out of his mouth. "Are we in a hospital? I'm pretty sure you aren't supposed to smoke in hospitals." 

"I doubt the staff is going to give me a hard time," The man speaks lightly, lounging back. "You certainly are something. You've been awake two minutes and you already have a smart mouth?" A small smile lights up his features. "I guess you could say that you're a trooper." 

"I'm starving," You bite your lip, turning away, your eyes widening when you finally place the man. "Shit! You're from Passione! Oh my god, oh, I lost my-" 

"I already know that," The man waves you off. "I'm just here to keep an eye on you and take you home once you get discharged." 

"But I don't- I don't have a home," You place your thumbnail between your teeth, looking at him anxiously. He dismisses you again, snubbing out his smoke.

"That's why I'm here, kid." 

His vagueness annoys you, but one glance at the box of apple juice and ham sandwich on your bedside tray has anything you want to say dying in your mouth, and by the time you've scarfed it down, tears spark at the corner of your eyes, and any animosity towards the gangster has dissipated. 

"Thank you." 

-

The blond- he's since introduced himself as Prosciutto, drives in silence away from the hospital, not saying anything to you about where you're going. You fidget nervously in the passenger seat, jumping when he parks the care and tells you that you've arrived. 

You're still a little unsteady on your feet, so Prosciutto guides you down the stairs with a hand on the small of your back, and leans across you to unlock and open the door. The minute you step inside, you're greeted with almost everyone who's come to collect your protection fees. The only one missing is the blue haired one who bought you lunch- Ghiaccio. 

The...boss… Risotto, as introduced, gives you a quick tour of your new residence, telling you that everything is free range, that he's going to have you take on some of the deskwork in return, and shows you to your room. Inside is a bed and a few changes of clothes in the closet. At this point, you're teetering on the edge of bawling your eyes out, and you can barely choke out a thank you, giving him a wobbly smile. You swear you can see him smile in return. 

-

You're sitting on the edge of your bed that night, fidgeting nervously, your mind spinning 100 miles per hour, when there's a knock at your door. You practically jump out of your skin, and call out a shaky "Come In." 

The door creaks open slowly, and there he is, his hands hidden behind his back. 

Ghiaccio. 

You stand slowly, your eyes searching his face. 

"Did you-" You catch yourself, starting towards him hesitantly. He seems just as hesitant as he walks towards you. "Did you make this happen?" 

"Not really," His voice is soft and hoarse, and the way his brow is furrowed tells you just how worried he was, but the light in his eyes shows you how relieved he feels to see you in person again. "I just suggested it, really. Sort of… Panicked... When I saw your- your shop-" His voice falters when you reach out and grab his shoulder. Tears are welling in your eyes for what feels like the eightieth time today, and your lower lip trembles when your hand comes in contact with him. He's a little cold to the touch, but it's comforting and refreshing. 

"Thank you," You manage. He swallows thickly, revealing his hands and shoving something harshly in your direction. He's beet red now, and looking anywhere but you. You grab it, taken aback, and look down to inspect it. 

Now you really start to cry, tears spilling onto the arrangement of Daffodils, Daisies, purple lilacs, irises, and lavender roses. So much said in one little bouquet. A sob expels from your throat, and you look up at him, catching him watching you out of the corner of his eye. 

You set the flowers on your bed, stepping forward to wrap your arms around him. 

"They're good?" He sounds nervous, and stiffens at the contact. 

"They're wonderful," You confirm, your voice thick as you bury your face into his shoulder. His arms wind around you, then, and you can hear the relief in his voice when he murmurs to you again. 

"Welcome home."

[joemoshe]

5 Truths About Money Everyone Should Know

According to a survey conducted in the United States, money worries are one of the most common sources of stress. Most individuals assume that if they had a little more money, life would be a lot easier and better.

Richer countries also have greater average happiness levels, according to research. Countries that experience economic growth also experience an increase in satisfaction over time.

We all care about money; that is a universal truth. We simply do it on various levels and for various reasons. Some people are seeking their first million dollars, while others are worried about paying their rent or buying food.

In any case, most of us never learn about money, a subject that has a huge impact on our lives. This is partly due to the fact that discussing money is frowned upon. Here are the brutal truths that you would wish you had known earlier.

1. If you aren’t wealthy at 20, it isn’t your fault. If you aren’t by 70, it probably is

Because of the compounding process, wealth takes longer to accumulate than a respectable wage. But this brings me to my major point.

Unlike those in poorer countries, if you live in a developed or somewhat developed country, you have no excuse not to be affluent by retirement. If you invest $100 a month on average from the age of 18 to 68, you will be worth $1.5 million if the S&P 500 returns at its historical rate.

You would be worth almost $2.5 million if you invested just $200 each month over this time period and added a one-off $50,000 from an inheritance or bonus.

2. There is no magic spell for making debt disappear.

Being enslaved by debt and continually concerned about repaying it cannot be a pleasant experience. You feel like you’re so far behind on your bills that you can’t even get the confidence to open them. Debts do not evaporate into thin air by themselves.

Make sure you know exactly where you are right now to get started on the correct foot. Keep up with the most recent developments and the big picture. Keep the following documents on hand to get all of the information you’ll need to deal with your circumstance.

Ask everyone you’ve borrowed money from or owe money to whether there’s anything they or their customer service representative can do to lessen your current interest rate. This is especially true if you owe a lot to your credit cards. Make it a habit to review your financial accounts on a regular basis to keep track of how much money you wind up saving to pay down your debts after you’ve paid for all of your necessary costs.

3. Your ideas are worthless.

And so are mine. Bills don’t pay for ideas. Execution is the key. So, with effort, executing outstanding ideas can be worth millions, if not more.

Everyone has a billion-dollar concept. The book below, authored by a man who got a deal on Shark Tank, includes a significant portion in which he “gives away” ideas for free. The assumption that the world is packed with opportunists who will “steal” your idea is a myth.

There are a lot of procrastinators in the world who either don’t start or don’t finish a project. Despite this, individuals appear to place a high value on ideas. Some people will even break up with their friends because they “borrowed” an idea from them.

4. Always expect the unexpected when it comes to spending.

Regardless of how frugal you wish to be with your budgeting. Something almost always catches you off guard when it comes to spending. It could be a gathering for a close friend you failed to budget for or a ticket for parking in the wrong area.

Disruptive expenditures are the best method to define this type of expense, which is frequently caused by recognized concussions with abnormal maturation.

Like a girls-only getaway, which isn’t usually available over the Christmas season, the best approach to deal with these unexpected costs is always to try to be prepared. Have separate savings account for any issues that arise that aren’t related to the ones you’re already aware of.

5. The most important thing is to work hard- that’s a myth.

The absurd notion that you must labor nonstop to be successful is a close cousin to our previous piece.

The sense of accomplishment that comes with working 12-hour shifts is often the mindset of an industrial worker. Finding something you enjoy and figuring out how to make it easier to do every day while also making money is the goal. You’ll see that this convenience comes with a compounded outcome that you can reinvest.

[jimlingss]

Jungle Park [10]

Chapter 9 - Chapter 10 - Chapter 11

➜ Words: 6.8k

➜ Genres: Fluff, Light Humour (?), Slice of Life, Workplace Romance!AU

➜ Summary: The equation is simple. Hoseok needs to hire someone. You need a job. Except like any actual equation, it’s not fucking simple at all! Not when you have to add the fact that he was forced to hire someone he doesn’t want in his office, he has little respect for your job in general, and oh yeah...once upon a time you might have—*CENSORED*.

It’s another one of those nights.   “Hello! Where are we off to this evening?”   “Blue Plaza restaurant, please.”   “Certainly.” Your hands grip the wheel and you glance behind your shoulder to make sure the coast is clear before pulling off the curb of the road, making it towards the destination.   Things have been working out well lately. With the extra shifts you’ve been taking on, driving for nights on end, you were able to pay your bills at the end of the month and then some. Your savings were accumulating nicely, giving you a head start on rent for next month. And from being ahead of the finance game, you were able to take fewer shifts and catch up on much needed sleep. It also helped that you were getting a bonus soon since it was the end of the year.   For the first time in a while, things were going pretty great.   A sudden loud clang on the side of the little taxi snaps you out of your thoughts and you peek in the rear-view mirror to find a passenger. Immediately, you rip off your seat belt, opening your door to help her in, but she beats you to the punch and finally opens her own door, falling into your backseat in a drunken mess.   “Are you alright?” You twist yourself back to look at her.   The girl has honey blonde locks, dressed in a pretty black dress. She nods, waving her hand tiredly. “Bring me to a hotel,” she slurs her words and sighs tiredly, pressing her cheek against the passenger leather seat in front of her.   “Pardon?” Right when you’re about to ask her to repeat herself and clarify what hotel, the gorgeous female suddenly whines and from your peripheral vision, you notice someone coming towards the cab. He’s carrying a taupe coat in his arms, probably belonging to the girl, and you notice his mess of black hair, the white dress shirt with sleeves rolled to the elbow and crisp dress pants and leather shoes.   The man’s form emerges from the shadows, becoming visible in the street light. And the familiar timbre of his voice has you whipping back faster than your brain can register, gripping your wheel until your knuckles turn white.   “Wendy! You forgot your coat.” He approaches the door of the taxi, chest rising and falling and he pops his head in, turning towards you. “Sorry about this.”   You make a disgruntled noise from the back of your throat in acknowledgment, refusing to turn around or even glance in the rear-view mirror. The girl, Wendy, tugs his sleeve and clings onto him. “Come wutih hme,” she whines and pleads. “Pretty pleawse? Hoseok?”   Hoseok sighs and relents after a beat, sliding into the backseat and shutting the door. You’re trapped.   “The Downtown Marriott hotel, please,” he says.   You don’t respond, turning on the radio instead as a method of distraction. Your posture is horrific, slumped in your seat, and driving quickly, but still under the speed limit. You’ve been uncomfortable a lot in your life, but this has to be on your top ten list — your day job’s boss sitting in the backseat with his lover while you’re driving, still trying to keep your pathetic night job a secret.   Wendy is clinging onto his arm, pushing herself on his side, breasts pressed against his bicep. Hoseok remains tense. “Come wiutih me. I need you,” she whimpers and before you can stop yourself, your eyes flicker to the rear-view mirror. The woman’s dress is riding up dangerously, thighs rubbing together, practically grinding herself onto him, and you feel sick to your stomach.   There’s only been one time that a pair had intercourse in your backseat. You would’ve kicked them out had they not handed you a hundred in cash to just drive them to a motel. But right now, you don’t know if you can handle if Hoseok and this girl were to go down on each other.   And the discomfort brewing in the pits of your intestines is not just because you’re a driver who doesn’t want passengers to make a mess or even because he’s your boss.   The horrible feeling begins somewhere deeper. A green monster crawls upon your shoulder, creeping over your body and a lump forms in your throat. You wish you didn’t care. You’re not supposed to care. But you do.   Envy. Jealousy. Hurt. Betrayed. He never told you that he was with someone. But maybe you should’ve known better. There was no reason he should’ve told you if he was with someone either. It’s not like you’re friends. He owes you nothing. Pathetic. Idiotic. Foolish. Naive.   You damn yourself over and over again, tears stinging and burning your eyes.   “You’re drunk, Wendy.”   “No. ‘M not,” she cries out. “Touch me, Hoseok.”   “Stop it.” It’s a firmer whisper this time and you peek at the mirror. “You’ll regret this.”   “No. Won’t. Promise.” Her reddened, velvet lips latch onto his neck. She cuddles up to him, practically on his lap.   “I think you missed the turn,” Hoseok suddenly pipes up, disregarding the female and looking out the front windshield. You jump at the sound of his voice addressing you.   “Sorry,” you manage to mutter underneath your breath.   Your eyes betray you again, glancing in the rear-view mirror and you’re surprised when his eyes meet yours. Hoseok stares, locking his gaze, and he tilts his head ever so slightly. His brows furrow, lips parted...but then his trance is broken by the girl at his side. “I don’t feel so well.”   “Are you okay?” He pats her back gently and scans her features. “Do you need to throw up?”   “No, not that. Wanna lie down.”   “We’re almost there.”   Hoseok keeps looking at the mirror while you keep your pupils glued on the road. Thankfully, you make it there in the next two minutes and the door opens. Wendy lugs her legs out and slumps over your yellow vehicle. The cold chills sweep in, stealing away the heat. “Thirty dollars,” you grumble in a low voice.   Hoseok digs into his pants pocket, pulling out his wallet and handing you the correct amount. With your head kept forward, your arm awkwardly bends back. Your hands accidentally graze each other when he gives you the money, his skin ghosting on yours and it has you ripping your arm away like his touch burns. You cringe at how suspicious you’re acting.   “Excuse me.” Instead of leaving, he stays put as if waiting for you to turn around. “Excuse me?”   “Whatta you waiting for? Hoseok,” Wendy whines and shivers against the wind, stomping her feet and crying out for him.   He finally looks away. “Okay, hold on.”   The lawyer gets out, shutting the door as the girl leans on him. But before he can turn around and peek his head through the window again, you slam your foot on the gas pedal. The taxi zips away, out of sight.   //   Sometimes you wonder why you like to suffer so much. While sitting next to Jimin at a conference table and looking over some details for the party, you imagine a world where you felt closer to the brunette rather than his dark haired partner. Being with any boss is inappropriate and irresponsible, but if you had a choice, you would’ve vouched for him without a second beat.   Jimin has been nothing but kind to you since the first day you arrived. He is benevolent and understanding. You have confidence that he would treat you well and not let you feel so miserable. If only you had a say in the matter. If only you had a choice. If only…   “Y/N?” He lifts his head, his brown irises meeting in yours. “Are you listening?”   “Yeah, sorry, Jimin.” You shake your head, blinking, and bringing yourself back into reality.   “Is there something bothering you?” He sits straight, giving you his full attention.   “I know this is inappropriate to ask….”   “It’s fine.” Jimin leans in and gives you a cheeky grin, eyes crinkled in half moons. “We’ll keep it between you and me. No one else has to know.”   You smile, put more at ease and it gives you the courage to take a leap. “How...how old is Hoseok’s girlfriend?” It’s not like you particularly care about her age, but you find it’s a better technique than straight out asking if he has a significant other or not.   “Girlfriend?” Jimin has a bewildered expression. “Hoseok doesn’t have a girlfriend.”   “Oh.” You swallow and the lump in your throat has magically vanished. “I thought I saw him with someone last night.”   “No.” The lawyer giggles. “Trust me, if he had a girlfriend, I would know. I’m the poor kid’s only friend.”   “I...see…” There’s a chance you were mistaken, but they looked close. Maybe it was a one night stand or maybe Jimin’s mistaken and his friend is just exceptionally good at hiding a secret. Then again, you know Hoseok can’t lie or keep a secret for the life of him. Then just who was she?   Jimin’s irises twinkle in interest. “Is there a reason?”   “No, I’m just curious,” you brush off and flip through the list of vendors. “Yesterday, they seemed pretty close.”   “Hmm…” His lips are pouted. “No, don’t worry. He’s been single for years now. The man knows nothing, but work.”   “I—...I wasn’t worried.”   Jimin hums a note and looks through your notes, choosing colours for the streamers and decorations. After a moment of quietness, he pipes up again. “Speaking of which, you should run over all this with Hoseok too.”   “Does he not know?”   “He has an idea, but he doesn’t know it’s coming up soon.”   “Yeah, I can do that.”   //   No, you can’t do it.   You realize it now that you’re standing in his office, sitting across from him as he tears his eyes away from the computer monitor and to your face. Your palms are clammy and your forehead is sweating. No matter what he does, you can’t help but think of the other woman kissing up all over him and it makes you severely uncomfortable to where you think you might just pass out. Maybe if you did, you could go on medical leave and get away from this.   “A Christmas party?”   He echos your words, hearing them after a delayed moment.   “Holiday office party,” you correct. “It’s inclusive for everyone.”   He looks over the papers that you’ve presented him with, skimming the budget and break down of costs. “This is a waste of time and resources. All the years before, we just had a thirty dollar cake in the break room during lunch.”   “No, we’re not doing that this year.” A spark of annoyance finds itself in your voice. “I looked it over with Inyoung and this is perfectly in the budget.”   Hoseok doesn’t hide that he’s impressed with how meticulous you are with this. “And how many people will there be?”   “Anyone in the office and their families and any partners. Maximum of three other people per employee. It’s reasonable and everyone can fit in here.” It goes quiet for a second and you add, “Jimin’s already approved.”   “There’s potential for liability issues. If someone gets drunk—” It’s obvious that the two of you are thinking of the same person...Taehyung. “—then that would be unpleasant for all parties.”   “I’ll hold a seminar beforehand,” you reason with him, for once stern and refusing to waver. “Everyone needs this. It’ll be good for office morale. We can afford to—”   “Okay.” Hoseok cuts you off with a beaming smile. “I never opposed to it, Y/N.”   “Okay.” You release a breath of relief before shifting on your feet, not knowing what else to say. “Well, since there’s nothing else...I should go...”   “Wait. Y/N. You don’t have to feel uncomfortable around me.”   “Pardon?”   “I’m sorry. Last week when I reprimanded you for being late, I realize that it was overly excessive. I was being unprofessional and letting other matters affect me. It had nothing to do with you. I’m sorry for that.”   “Oh. That’s not—... umm...i-it’s okay. It’s understandable.” For a moment, you thought he was mentioning something about last night. “I know that your position is stressful. Not everyone can do it, so I understand.”   “I just thought it was my responsibility to let you know that.” He nods and then hesitates, staring at you intensely that it’s bringing you to a sweat. “One more thing….do you….do you do anything in your free time?”   You frown. “What do you mean?”   Hoseok decides to cut straight to the point. “What were you doing last night?”   “I was at home.” The lie comes easier than expected, rolling off your tongue without needing to consider it. “Is there something the matter?”   “No. I thought I saw you, that’s all.” He smiles, leaning back in the swivel chair.   “Well, there’s supposedly seven people in the world that’s supposed to look like you,” you tell him with mischief glimmering in your orbs, drawing him away from the subject.   Hoseok grins. “Somehow, I doubt that.”   “Me too.” You don’t think there’s anyone else in the world that’s like Jung Hoseok and you hope there isn’t anyone like you, someone who’s dumb enough to keep running back again when they’ve been kicked too many times.   //   The more seminars and meetings you lead, the easier it becomes. It doesn’t feel like you’re in a room full of strangers anymore. Some way or another, you know each person. “It’s an after work party, so feel free to wear whatever.”   Lisa lifts her hand to clarify. “Does that mean we don’t have to follow the dress code?”   “Yes. We encourage people to wear festive things, but you can wear whatever you want as long as it's appropriate. If you don’t know, feel free to swing it by me and I can check it out. Better safe than sorry.”   Taehyung’s arm shoots into the air. “Can we wear nothing?”   “No.” You shoot down the horrific idea without a second to spare. “You must be fully clothed.”   “Are you an idiot?” Sunyi gives an incredulous expression and his mouth draws open in offense.   “It’s a genuine question!”   “Will there be food?” Jin asks the important questions and you nod.   “Yes, we will have catering, so don’t worry about that. They’ll be rotisserie chicken, steak, fish, and also a vegetarian option.” There are satisfied exchanges and murmurs that ripple through the room and you continue with a smile, “Also, please remember that this party is not an excuse to get drunk.”   Seulgi’s eyes glimmer in interest. “They’ll be drinks?”   “Yes, but everything in moderation, please. Remember that whatever you do, it will haunt your professional career and goals forever. This is not a frat party. This is not a school reunion. You are not in your own home. It’s a family friendly workplace office.”   You convey the message loud and clearly. It’s pathetic, really, but a simple approving look from Hoseok is all it takes for you to feel accomplished.

The party begins a week later when the night sky has been painted over the horizon. People are scattering on the streets and entering toasty buildings to hide from the chilly breeze nipping at their noses. The sidewalks are illuminated from street lamps and twinkling fairy lights. Hoseok’s own eyes are being blinded by the mosaic of colours strung on the fake coniferous tree in the center of the office floor.   There’s festive music playing in the back, melting together with the murmur of conversations and creating a cheerful atmosphere. There are snacks on the table, fruit punch and eggnog, gingerbread and chocolate chip cookies, s’mores, a basket of candy canes, rice krispies and cupcakes and a veggie tray. The real catering food will be served later on, but everyone seems to be enjoying themselves so far. There are two kids who are secretly sneaking the cookies into their pockets, adults mingling and drinking together, other kids running around even when they’re not supposed to, and a teenager in the corner, doing nothing less than brooding.   Most employees are hanging out with their family or friends they brought along, but Hoseok hangs back with Yoongi who didn’t invite anyone either.   “Y/N did a good job, huh,” Yoongi remarks.   “I expect nothing less.” Hoseok smiles, arms crossed as he leans on the wall outside of his office.   “I’m surprised you approved it.” The lawyer sips on his eggnog. “Didn’t you say that parties were a waste of resources?”   “Well...I might’ve changed my mind.” Hoseok’s eyes betray him and they stray off. He finds Jimin having fun playing host, entertaining friends and husbands and wives. But his pupils continue to move until he catches sight of you. You’re colouring at a table with a four-year old before dragging over the teenager in the corner to help you with a snowflake craft.   Yoongi follows his line of sight and cocks his eyebrow upwards. “Are you sleeping together?”   He frowns and looks away. “What?”   “Hey, I don’t know.” Yoongi’s lips are pouted, rounded cheeks puffed out and he shrugs nonchalantly like he means no malice in his question. “For you to be into office parties is frankly shocking. We didn’t even have a cake for my birthday.”   “Oh, come on, Yoongi.” Hoseok laughs and throws an arm over his friend’s shoulder. “You still can’t be bitter about that.”   “I wanted vanilla buttercream sponge cake,” he timidly mumbles. “It’s not a lot to ask for.”   “Want me to go run and get it?”   “It’s not my birthday anymore.” It’s obvious that the man is still holding a grudge and is resentful. The taller male can’t help but laugh loudly at how childish Yoongi is. He also can’t remember the last time he had a casual conversation that wasn’t about work or clients or things related to the court. They’re both workaholics to the core — the only difference is that Hoseok has better habits than Yoongi.   “Okay, okay. I’ll make sure to get the biggest cake when it’s your birthday again and I’ll tell Y/N and Jimin to make it big. We’ll have a festa honouring you.”   Min Yoongi grumbles. It’s amusing how young he looks, like a boy who could pass as a middle school student, yet his personality is that of an old man’s. There are occasional bursts of energy that course through his small body, mostly when he’s teasing and bothering Sunyi for his own enjoyment. But a lot of the time, Yoongi comes across as tired and lethargic. Not a lot of people know, but Hoseok has always been sort of a battery pack for his friend.   They’ve been friends for a long while, having articled at the same place together years ago while they were students-at-law, much like Jungkook is now. The two men both understand each other the most since they share a passion in work. Hoseok has always been more resilient against stress and acts as a stable pillar for Yoongi to lean on. On the other hand, Yoongi is one of the few that know about Hoseok’s true nature and the struggle of how being the strict boss contrasts against his personality.   “You can relax, you know,” he comments while fiddling with a few snack bags on the table.   “I am relaxed.”   “You’re watching.”   “Well, it’s my job, right?”   “You shouldn’t feel so pressured to be the boss all the time.” Yoongi bites into a s’more and hums in approval. He stacks four more onto his plate and then follows Hoseok back to the corner of the room where it’s quieter. “Jimin and you play weird games of bad cop and good cop and I think you’ve been bad cop for too long.”   The corner of his mouth tugs. “Then maybe we should make you a partner of the firm so you can be bad cop.”   “I wouldn’t be a cop,” Yoongi corrects and chews thoughtfully before inspecting the next graham cracker s’more to make sure none of the kids put random shit on it. “I’d be an army sergeant.”   “Oh please, you can act tough all you want, but you’re a squishy marshmallow, Min.”   The lawyer narrows his eyes. “You’re beginning to sound like Sunyi.”   Hoseok laughs, putting his arm around his friend’s shoulder again. “Thank you for your consideration, Yoongi.” The moment his lips pucker, Yoongi’s already trying to pull away, bending backwards and disgusted by the idea of Hoseok’s mouth plastering on his cheek. They push and pull, making Yoongi groan and yell something about sexual harassment and filing a report with you before Hoseok giggles and lets go.   “Oh please, you act like we haven’t spanked each other before.”   “Don’t remind me,” he mutters. “And don’t remind Jimin either.”   When the two men laugh boisterously and happily, Yoongi infected by Hoseok’s giggles, it catches your attention and you look over. A smile spreads across your face to see that they’re enjoying themselves. And even though you return to playing with Taehyung’s cousins and Seulgi’s younger brother, your ears are perked and hyper aware, capturing each of the man’s sounds, voice and laughter, whether you want to or not.   //   The little office party continues into the night. The catering arrives and everyone forms a line at the buffet table, balancing plates of food on their hands. There’s also karaoke and somehow Lisa convinced Yoongi to sing Santa Baby, and he’s decided to serenade an embarrassed Sunyi who was trying to braid Naul’s granddaughter’s hair. The hired Santa also arrives right on time. Jimin wanted to be Santa, but you didn’t think it would be appropriate since not only were kids sitting on his lap, but also Taehyung and Jin. The troublemakers also peer pressured tipsy Namjoon and Jungkook to sit on Santa’s lap and tell the stranger what they hope is in his red sack when he comes to visit their home at night.   In the meanwhile, you’re finally taking a break and standing back to observe the masses.   “You did a good job.” Hoseok slides beside you, handing you a cup of eggnog that you take gratefully, but you’re still caught off guard from his praise.   “I-it’s nothing, really.”   “No, we haven’t had such a great office party in so long.” He turns with a smile. “You sure you don’t want to permanently switch into party planning?”   You grin at him. “You’re not getting rid of me so easily, Jung. I’m going to stay here as HR for a long time.”   “Good.” There’s a slight pause. “Is there anything you want for Christmas?”   “What do you mean?” The office didn’t do Secret Santa or any kind of exchange of presents this time around. You thought there was already a lot going on this year and you didn't want to pressure anyone to give gifts.   Hoseok shrugs. “If it weren’t for you, Jimin would try to organize something and get stressed and he would come to me complaining. You save the two of us a lot of trouble. And you gave this office a party, so maybe I can give you something in return...if it’s in my ability of course.”   A hum leaves your throat and you pretend to think. “How about an apartment complex?”   He scoffs. “I don’t think so.”   “Then a raise?” It starts off as a joke, but when he doesn’t immediately laugh it off, you stand straighter, unable to resist the glimmer of hope that seeps into your irises.   “Hmm….” The edge of his lip pulls into a smirk. “We'll see about that.”   “Wait. Really?!”   “Maybe.” Jung Hoseok throws a brief wink in your direction. “No promises.”   Your mouth draws open. But before you can make any reply, Dahyun has padded across the room in quick steps, holding a white note in her hand. “Hoseok, there’s someone here for you.”   He frowns, taking the note and opening it. “Who?”   “Me.” Someone glides into sight with her high heels skimming along the carpet. Her red dress hugs her frame and curves, honey blonde locks draping over her shoulder, arms crossed and black purse slung on her shoulder. You recognize her immediately, only she’s more put together this time.   Hoseok’s brows raise. “Wendy?”   Dahyun dips her head, taking the cue to leave. The woman’s red stained lips expand into a smile and she reaches over, giving a hasty squeeze before parting away from the lawyer. “Thought you run out on me permanently.” Her eyes roam towards you and her pretty eyes become even bigger. “And who is this?”   “I’m Y/N.” You shake her hand, musing how dainty and soft it is. “I work here as HR.”   “HR, huh?” Wendy steps back and eyes you up and down once. “I’m Hoseok’s fiancée.”   There’s a moment of silence.   The woman bursts out laughing, throwing back her head, and Hoseok is at a complete loss for words. “No, she isn’t. She’s my old mentor,” he rushes to explain in frustration. “Can you please stop making that joke?”   “But I love the look on your face, kid.” She brushes him off and turns to you, covering her mouth with a single hand as if she could block him from hearing. “Don’t worry, I’m about twenty years too old for him.”   “Twenty?”   “I have nothing against large age gaps, but I prefer my men mature,” she disses Hoseok with a cackle. “And between you and me, I’m turning fifty two this year. But between me and the rest of the world, I’m still in my late twenties.”   “Th-that’s amazing. You look really young.” You’re completely baffled, not able to detect a wrinkle on her face, only faint lines that you thought were from smiling so much. “I mean….really young. I thought you were younger than me.”   “I love her already.” Wendy briefly grins at Hoseok. “You flatter me too much, but trust me, it’s all the expensive creams and makeup.” Her perfectly manicured fingernail points to her face. “None of this is real, but no one needs to know that.”   “Wendy?” Jimin approaches with a drink in hand. His cheeks are dusted pink and you wonder if Seokjin snuck in a bottle of vodka somewhere. You swore you saw something underneath his desk earlier.   “There you are!” The older woman goes over to hug the brunette. “I can’t believe you didn’t invite your most important client to such a great party.”   You frown, confused at the development. “Client?”   “I’m getting a divorce,” she says to you and waves her hand. “My soon-to-be bastard of an ex-husband had an affair with my sister. It’s terribly complicated and disgusting, so let’s not get into too much detail.” She shifts on her heel and glares at both lawyers in front of you. “I thought who would be better than to deal with my messy divorce than the firm of my smartest mentee. Looks like I was wrong.”   “It’s only for employees,” Jimin giddly giggles out, a bit drunk from the eggnog. “It didn’t even cross my mind that you would want to come.”   “You should know how lonely I am these days.” Wendy wipes a fake tear away from her lower lash line. “But on another note, my secretary called. You wanted me to sign something?”   His eyes light up in recognition and he hums, drinking the rest of his cup before setting it down on the nearby table. “Let me go grab it.”   The man saunters off towards his office and the older woman is left longingly staring at his empty cup, unusually quiet for a while. Then after a deep inhale, she looks off at you. “Say….where can I get myself a drink like that?”   “You’re not allowed to drink,” Hoseok spits out.   Her arched brow lifts. “Says who.”   “Me.” He is unamused. “You’re a liability when you drink and I really can’t help your case if you’re sued for sexual harassment. Plus, I have a responsibility to protect my employees.”   The almost-divorcee snaps at him like it isn’t her fault. “If you’re ever in my position, Jung, you’ll learn how desperate you become when you’re lonely.”   Hoseok rolls it off his shoulders, not granting any leeway. “Yeah, well, there are kids around. This isn’t a bar or adult party. You’re in my office right now, so you go by my rules.”   “What are you trying to insinuate? That I can’t handle my drink?”   “That you would fool around with a lamp if you’re drunk enough.”   While they bicker back and forth, you watch the exchange between them, trying to observe the dynamic of their relationship. Though it doesn’t take long before you’re interrupted and she spins to face you like you can help defend her position. “These accusations!”   “Y/N.” Hoseok is visibly becoming exhausted and his voice is pleading. “Is there any non alcoholic eggnog left?”   You hitch your thumb over your shoulder, already turning. “I’ll go check.”   “Thank you.”   Wendy grumbles in dissatisfaction. Yet, she helplessly complies and watches you stroll away. Hoseok becomes quieter as well, eyes still pinned at your backside without you noticing, and the woman steals the opportunity when it’s just the two of them. She finally asks the question that’s been on the tip of her tongue ever since she caught sight of you. “Is that your girl?”   The scrunch between his brows is made immediately. “Pardon?”   “She’s a cute one,” the woman muses. “Very pretty and seems like the sweet type.”   “She’s my employee.”   “Never stopped anyone.”   “It’s unprofessional and inappropriate.”   “Doesn’t have to be if you’re responsible enough.”   Hoseok is completely done with the exuberant lady and is ready to call it quits when he offers one last sullen expression. “Didn’t you tell me a long time ago not to shit where I eat?”   “Well, you eat and shit at home and no one cares.” The woman shrugs, not having much regard for boundaries anymore when her dry spell has lasted for ten years due to her shitty spouse. “Maybe you’ve just found that home.”   “You are unbelievable.” Hoseok disregards her with a sigh and slight smile, shaking his head.   “You’ve become too jaded,” she notes and coos at him, “The Hoseok I knew from five years ago was bright and bubbly. He was cheerful, positive, and maybe a bit too loud for my eardrums.”   Part of him wants to say that he’s still those things, except he doesn’t feel like arguing. “Well...things change.”   “I’m not so sure about that.” Wendy smirks. “Before I interrupted you, it seems like you were having a good old dandy time. Haven’t seen you smile like that in a long time.” She pats his shoulder once. “Good to have you back, Hoseok.”   Jimin returns with the paper and she signs it. Hoseok is stuck contemplating on what she said, what Yoongi said as well, and he doesn’t notice when you come back with the drink. Wendy soon closes up the conversations, citing that she has some place to be and she needs to pick up her daughter before her soon-to-be ex-husband brainwashes the child into hating her own mother, something Wendy doesn’t doubt he would do. You nod and she hugs you, letting you know with a whisper in your ear that it was a pleasure to meet you. She doesn’t even bid goodbye to Hoseok and Jimin when she saunters away and the former mutters something about her being cruel.   Just like that, the party returns in full swing. Eventually, you find yourself standing next to Seulgi’s younger brother who you pulled away from the corner a few hours ago, away from his phone, and now keeps glancing at you. You’re merciful enough to pretend not to notice, though it’s beginning to make you sweat.   “So….” He tries to break the ice and you commemorate his bravery. “Do you have a boyfriend?”   Seulgi would probably not appreciate her younger sibling’s antics at the moment.   “How old are you?”   “Old enough….” His cheeks become rosy and he adds, “....in a few months.”   “Y/N.” Someone thankfully saves the day since the last thing you want to do is politely reject someone’s advances at a holiday party, and a teenager at that who’s at risk of feeling insecure. The angel that rescues you is standing just a meter to your left and you’re practically holding a sign that reads ‘thank you’. “Would you like to discuss that raise now?”   “Y-yes, of course.” You bid the teenager goodbye before walking off with the man that has his black dress shirt tucked in his dress pants, sleeves rolled up to his elbows as usual. His hair is gelled back to reveal his forehead, except for a section of his bangs that curl into a comma shape. Yet, even when he appears incredibly professional for a casual dress code, the plate stacked with a tower of cookies contrasts against his appearance.   “I had to wrestle this away from the kids,” he tells you quietly and you stifle back a laugh.   “Are we really going to discuss the raise?”   “Nah, maybe some other time if you don’t mind. Just thought you should get a break.” Hoseok leads you to the elevator and pushes the button to the ninth floor. “You seem tired.”   You’re surprised at his observational skills and consideration. “I’m not feeling too bad.”   “You didn’t invite anyone? No family?”   You shake your head. “I’m going home over the holidays anyway, so I’ll be spending a lot of time with my mom.”   “That’s good.” Hoseok also decided not to invite his sister, lest she come in and make an embarrassment of himself in front of the entire firm and have her treat him like a literal baby. He was going home too and there would be plenty of time for the siblings to re-acquaint themselves and want to rip each other’s heads off by the end of the week.   The elevator doors part and you’re met with a completely vacant floor. The walls are empty, space unoccupied, carpet illuminated by the outside light pollution and it’s peacefully silent.   “It’s...empty?”   Hoseok hums and walks off to where the windows take up the entire wall. He opens the latch at the bottom that lets a sliver of air into the floor. You can hear the cars rushing past, the white noise of the metropolis drowning in the back. “It’s been up for rent for the past month. No one’s here, so it’s a nice and quiet place.”   The city view is absolutely phenomenal, the entire skyline and lit skyscrapers are right in front of your eyes. It’s a beautiful onlook of the city. The lights twinkle together like stars, giving you a sense of what a modern picturesque painting would look like.   You sit down on the carpet and Hoseok plops beside you, cookies placed in between.   Soon, the sound of chewing blurs together with the noise of tires on highways.   “Thanks,” you murmur.   “For what?”   “I don’t know.” You shrug, thanking him for being so kind, for being so friendly when he has no reason to. But all you manage to say is— “This.”   A grin draws on his face and he reaches for another sugar cookie. “It’s what friends are for, right?”   “....friends?”   “Well, I’m still your boss and you’re my employee, but you told me that we were friends once, right?”   A sense of sad nostalgia hits you and it makes you sadder that you’re the only one who feels it, that he has absolutely no recollection. “Yeah….we were.”   “It’s easy to talk to you,” he admits quietly mid-chew and you fiddle with the hem of your sweater. “Sometimes I’m afraid I lost myself, but with you….I don’t really feel that way anymore.” Hoseok quirks his head to the side, a sharp inhale taken from the seams of his sugary lips and it’s almost like he’s commenting to himself, “I bet we were close.”   “Nah. Not really.” You laugh and your knees gather together, eyes still staring out at the city and soaking in the breaktaking sight.   “You know, I wish I had your job,” he says out of the blue.   “Why?” You’re smiling already and you reach out for a cinnamon cookie on the plate, snapping as you bite down and the sweet taste exploding on your tongue.   “You’re the fun one around here,” he whines childishly. “Planning parties and retreat trips and helping people with their problems.”   “I don’t think I’ve ever heard someone call HR fun.” You giggle while finding a way to make him feel better. “I have to enforce a lot of the firm’s rules. I’m not that fun. And you can be fun too.”   “No, I can’t. I’m the mean, old boss around here.” His hands come out in front of him and his fingers wiggle like he’s going to attack you with tickles. “The devil.”   You laugh at how playful he’s being and you loll your head to one side. “Too bad no one knows that you’re really just a goofball.”   “I wouldn’t say a goofball.” He pouts exaggeratedly, bottom lip jutting out. You almost forgot that Jung Hoseok had a knack for being cringely cute and used to use that technique to get what he wanted, back in the days when his words weren’t so persuasive.   “Then a dork?”   He gasps theatrically, sitting straighter. “How can you call me that? I’ll fire you.”   “Jimin would never let you,” you tease him and his infamous pout returns while he licks the frosting off his thumb and picks a gingerbread cookie out of the pile next. If the pair of you end up with cavities before the end of the year, you wouldn’t be surprised, but you’re enjoying the moment too much to stop. “If you really want, we can do a job switch. I would be more than happy to be a boss for a day.”   “And risk you ruining all our client files?” The lawyer shakes his head. “You’d probably piss yourself in front of the court and ruin our name forever. I can already see the headlines: ‘lawyer soils pants in front of judge’.”   He laughs hysterically at the idea much to your dismay. “Hey! I am….decent at public speaking, okay?!”   He’s still chortling, cheeks aching and he continues with the upper hand, “You could never be the boss. No one would take you seriously. You’re too cute.” Hoseok’s clean hand lifts to affectionately pull on your cheek in the gentlest of touches. You jab at his ribs and he jolts away with a yell.   Your cheeks heat up unwarranted. “I’ll sue for verbal abuse!”   “Calling you cute is verbal abuse?” He eyes you and you’re fully aware that he doesn’t mean it flirtatiously. He’s always been friendly, outgoing, and upbeat. In his heyday, a lot of people would become mistaken from his personality, so you know better than to take the comment to heart.   “You’re giving me psychological trauma. Plus, I know plenty of lawyers who would be happy to sue you.” You put your hands on your hips. “They just so happen to be on the lower floor right now.”   Hoseok laughs loudly at your insinuation of his employees celebrating at the idea of suing him in court. He backs off right away. “Okay, maybe so, but we’re not in the workplace right now. Last I checked, this is after hours and we’re technically no longer in the firm.”   “We’re still in a five hundred meter radius and you’re still technically my boss.”   “You’re gonna need some kind of witness or evidence so your case isn’t built purely on hearsay.”   It’s quiet for a long moment. You’re not sure how you’ll win this battle and after thinking, all you come up with is a mumbled— “.....dammit.”   Hoseok laughs again and then he pats his chest several times where his heart should be. “Don’t worry. I won’t give you a reason to sue me, but if you ever need to sue someone, hire me. This is a once in a lifetime opportunity, you know. I don’t just offer my services to anyone. Now I know my specialty is in divorce matters, but I still have a wide skill set.”   “The only person I would ever need to sue is you.” The mischievous glint in your irises are unmistakable. “And you obviously can’t be my lawyer if I’m suing you.”   “You’re right.” Hoseok grins happily, a faint dimple pressed in his cheek. “That would be an obvious conflict of interest.”   The open sliver of air lets in a cold breeze. You should be shivering from the winter wind that nips at your nose and brings chills to your spine, frost bites that nibble at your skin. But when you’re doing something as simple as sitting next to Hoseok on a quiet floor, you can’t feel anything cold inside or out.   It’s warm.

[dearyallfrommatt]

 My late father loved Krystal burgers. Even after his diabetes blossomed into something his battered old body could barely control, if he came near a town that had a Krystal, he’d make Momma drive him by it. When my brother got married in Athens, GA, and a mix-up of Daddy’s meds put him in a serious fog, he had enough presence of mind to have us make a run to the one on Prince Avenue.

 Long story short, the Krystal burger chain is filing for bankruptcy. Founded in 1932 and famous for those little hamburgers like you’d get at White Castle up North, the company has a hearing in the North District Court of Georgia Wednesday, citing debts up to $100 million dollars. Regardless how things turn out, some of the 320 restaurants in nine different states will remain open thanks to franchising, but that still makes life a little worrisome for the 5,000-plus people who work for the company now, mostly at part-time wages, of course.

 The last time Krystal went bankrupt was 1997 and that was due to millions of dollars of unpaid overtime owed to employees. The company was bought by a private equity firm, Port Royal Holdings, for $145 million dollars. As an aside, the original Port Royale was a famous pirate haven back during what’s called The Golden Age of Piracy, roughly 1620-1720, before becoming a center for “legitimate” shipping and trade in the Caribbean, but I’m sure that’s a coincidence.

 Since 1997, Krystal has bounced from private equity firm to private equity firm and has had eight different CEO’s. The last one, Paul Macaluso, left after the company eliminated franchises and management positions, not to mention slashing basic staff, in an effort to not actually turn a buck but the stave off their mounting creditors. The company declared bankruptcy the day their last loan deal with a creditor ran out. At the same time, the company’s dealing with an investigation into their payment practices and a “security breach”.

 I doubt this will mean we’ll see the end of Krystal, but maybe. What’s most likely is that yet another private equity firm full of people who care nothing about anything beyond making more and more profit and damn the torpedoes, will swing in to rescue it, finding new and better ways to screw over workers. Because they can never make enough money.

 I don’t understand rich people, I really don’t. People who can’t just enjoy their wealth and good fortune, I mean, the ones that have to have more and more lucre. Wrestling legend Jim Cornette - stay with me here - once said the main thing he could not understand about former boss and WWE CEO Vince McMahaon is why he couldn’t just enjoy his billions. He had to have more and, not only that, fuck over other people as much as possible while doing it.

 For your edification, after the end of the Monday Night Wars in 1999, the only professional wrestling company that made money was the WWF. McMahaon - who bought the company from his father Vince Sr. in the late ‘70s for one dollar - was literally worth billions. On top of that, it didn’t look like the they’d ever stop making money bringing the rabid fan base the best in sweaty men in small pants pretending to fight.

 And then Vince got greedy. First they tried to bring the world two billion-dollar flops in the XFL and a restaurant in Manhattan. I really don’t know from the restaurant except that it crashed and burned, but being a fan of football, I watched the XFL saga with fascinated horror. Going against the NFL is a rum’s game - ask the USFL and President Trump - but the XFL was set up to actually take down - or pretend to, keeping with the wrestling theme - the pro football juggernaut.

 The lads from at Old School Wrestling can sum it up better and more entertaining than I could. After all was said and done, the league lost $138 million dollars with their deal with NBC, it cost Vince himself $69 million, and by the time the thing washed out, Vince was no longer a billionaire. In short order, the wrestling boom ate itself and money that could’ve been spent to give their employees some sort of health insurance security went to creditors. Even in the football league, the highest paid athlete made five grand a week and, of course, no health insurance for players.

 Now, I’m not ragging on the WWE or even professional wrestling. I firmly believe that one of America’s greatest contribution to world culture is professional wrestling - no, seriously - and a full understanding of the United States’ development and evolution, at least in the 20th century. But this is a fine example of how greed destroys whatever it touches. Call it capitalism’s inevitable outcome or whatever you want to call it, but this is now seen as How Things Are Supposed to Be.

 The last decade saw a plethora of long-running businesses go flat broke and have to shutter their doors. Financial experts blamed the death of Toys ‘R’ Us on Millennials not having kids and the spread of Amazon, for example, but the fact is the private equity companies - including Mitt Romney’s Ban Capital - cut and sliced everything they could in the run for more profits and less overhead. ‘Cause that’s all that matters.

 I used to do an internet streaming radio show with a libertarian who once tried to enlighten to me the evil of taxation in maybe the dumbest way possible. A friend of his, he said, worked at a private equity firm, putting in 80 hours a week, and because of taxation, she was only able to bring home $180 thousand out of the $200 thousand she “earned” each year. Needless to say, that didn’t cut it.

 But again, this is how the world is Supposed To Work. Providing a good consumers either need or really enjoy and in some way makes their lives a little better, that doesn’t even pretend to matter anymore. Taking care of your employees, paying them enough to live on and keep themselves hale-&-hearty because workers that aren’t living in terror of getting sick or a raise in rent are better workers, that’s not profitable.

 Well, it is profitable and a smaller, self-contained businesses can totally do that, but the American Way is to gobble up as much as possible for some reason. Instead of enjoying your wealth and the sense of stability never having to worry about which bill you’re going to have to skip this month or if your landlord is going to increase your went for whatever the hell reason, our society encourages the very richest to accumulate and horde as much wealth as possible. If you can step on someone’s face in the process, even better.

 And if you fail, no big worry. In 2008, Delta Airlines fired their CEO, Richard Anderson, after four months because the company lost over $70 million. Anderson nevertheless walked away with a severance package that included  over $11 million dollars plus a corner office on Peachtree Street in Atlanta. More recently, due to on-going scandals involving their 737′s, Boeing booted their CEO Dennis Muilenberg after ballooning losses and deadly crashes of two of their planes. They did punish him by denying his full severance package, though. Luckily, he still walks away with $60 million in stock options and pension benefits.

 So, what is the answer, I hear you say. Hell, I don’t know. These practices are an ongoing problem, but the acceptance of such behavior by the hoi palloi is even worse. We see this as natural and good, the American way. We elected a president who was born rich and was a big mover-&-shaker in a field his father already plowed, and companies under his control went bankrupt at least six times. Had he spent the last 50 years funding art galleries and weaving baskets, just letting the interest do it’s work, he’d arguably be richer than he is now.

 Is socialism the answer? Can capitalism be saved? Do we need to look for an entirely different paradigm when it comes to economic survival? Again, I don’t pretend to have any answers. Indeed, my whole approach to anarchistic theory isn’t searching for a specific end result way to “make things work” so much as using the tools I can live with to get by as best I can while maybe making the world a better place along the way. But since no one is ever really punished or suffers from such actions that have proven to be, at best, a crap game, we’ll see more of this.

 More profit, that’s all that matters.

[millennialmoney]

5 Tax Tips on How to Get Your Money Back for 2020

Hi everyone! 

Given that 2020 has been such a whack year, with the pandemic and economic recession, I wanted to touch upon a topic that no one likes to or ever talks about to their friends. So there is some ease in knowing how to get some money back, and this is TAX!

Tax has always been a sensitive topic, since we always assume that it is a very complicated subject. I had the same assumption, but when I started filing my own taxes, I started to realize that it wasn’t as bad as I thought. As my university professor said, there are 2 things you cannot avoid in life, death and taxes! Even if you don’t pay your taxes this year, the government will make sure you pay 

I have 5 simple tips to maximize your tax refund for the 2020 tax year for my fellow Canadian friends! Especially for those who have been working from home since the start of this pandemic.

1) Home Office Expenses

For those of you working from home this year, you might want to pay attention to this! Given the abnormal circumstance this year, the Canada Revenue Agency (CRA) has become more lenient by expanding the number of home office expenses that can be deducted against your net income for tax purposes on your personal tax return.  

There are normally two criteria that have to be met, in order to deduct the home office expense:

i) The work space is the place where the employee performs their employment activities, at least more than 50% of the time

ii) The employee performs their employment activities exclusively in the work space to earn employment income

Given the nature of the pandemic, you only need to meet one criteria to be eligible to deduct home office expenses. 

Examples of home office expenses:

-Home office supplies -Electricity/heating/water -Rent, if the home is rented  -Portion of the condominium fees to maintain the condominium

Make sure you start to keep track of these expenses. Keep in mind that you can only deduct your home office expense based on the square footage of the home office divided by the total square footage of your home.

For example, if the total square footage of your home is 1000 square feet, but your home office is only 100 square feet, the total home office is expense is limited to 100/1000 square feet = 10% x home office expense. 

Remember to clarify with your employer that your work arrangements have been established before you can deduct these expenses! 

2) Registered Retirement Savings Plan (RRSP)

Whether you just started in your career, or have worked a couple of years, it is always a good idea to buy RRSPs as there is a short and long term advantage. The short term advantage is you are able to deduct the amount you contributed towards your 2020 taxable income. In layman’s term, it means that if you earned $30,000 for the whole year and you contributed $1000 in RRSPs. You will only be taxed on $30,000 less $1000 which is $29,000. This will reduce your overall taxes if you have any to be paid. Meanwhile, the long term advantage is you are saving for your retirement and accumulating wealth over the years. However, what most companies do not tell you is that if you take money from your RRSP for emergencies, you will get taxed on that amount in the year you take it. An RRSP is simply a tax deferral investment, and when you are finally ready to take it out when you retire, you will be taxed on it. As such, it is definitely advantageous to buy RRSP’s now since it will help you reduce your taxes payable and maximize your refund for the year! 

3) Charitable Donations Tax Credits

I am sure most of us have already donated to at least one charity in our life. However, did you know that the tax receipt you get from United Way or the Salvation Army can be used to reduce your taxes? Well now you do! 

Charitable donations are non-refundable tax credits that can help you reduce your taxes owed to the CRA. Where the maximum you can claim is limited to 75% x your earned income. You do not have to worry about how to calculate the charitable donations credits. As CRA has a link: (https://www.canada.ca/en/revenue-agency/services/forms-publications/tax-packages-years/general-income-tax-benefit-package/5000-s9.html) for you to input your total charitable donations, and it will determine the eligible credit to be inputted in your tax return. 

Remember to always ask for a tax receipt after each time you make a donation. You are helping a great cause while helping you save your tax dollars!

4) Tuition Tax Credits 

Whether you just started working or worked a few years, there is a chance that you will still have unused tuition tax credits if you have never explored this. The great thing about working after you graduate from university are these tuition tax credits. This is also a non-refundable tax credit, where it will reduce your taxes owed to the government. Any unused amounts can be carried forward indefinitely until you can use it up. However, you can also transfer this tuition tax credit to your parents if you decide not to use it. This can help alleviate their tax burden, if any. 

For example if the tax rate is 15% and you paid $5000 in tuitions for the year, then you are eligible for $750 worth of tuition tax credits.

For those of us who don’t know exactly how much tuition tax credits, you can create a personal account with the CRA here: (https://www.canada.ca/en/revenue-agency/services/e-services/e-services-individuals/account-individuals.html) This online portal will outline how much tuition credits you have over the years and you don’t need to stress over how much is eligible or not. Tuition tax credits are a great tool to reduce your tax bill and maximize your tax refund. 

5) Child Care Expenses

If you have young children at home and you and your spouse or partner have paid for their daycare, summer camps, and various extra-curricular activities. You or your spouse can claim these child care expenses to maximize your tax refund. Keep in mind that only the lower earning spouse can claim these child care expenses each year. 

There is a threshold on the maximum child care expenses you can claim:

i) Up to $5000 in child care expenses if your child is between 7-16 years old

ii) Up to $8000 in child care expenses if your child is 7 years old and under

iii) Up to $11,000 in child care expenses if your child is disabled and eligible for a disability tax credit and it can be any age

As such, any eligible child care expenses can certainly help your family reduce the taxes and maximize the tax refund. 

All in all, the 5 tax tips discussed above are the most common deductions and tax credits that are useful ways to help you and your family get money back for the 2020 tax year. Remember, when you are filing your taxes it shouldn’t be a chore, it is value add knowledge that you can help you and your family get money back from the government! 

[casualinvestor-blog]

How the Rich Got Rich: The 1031 Exchange

Welcome to the first post in an ongoing series that we’ll be running about how many of the rich accumulated their wealth, and how they continue to grow richer. In my job as a tax accountant for businesses and wealthy individuals, I deal with some of the brightest and most successful investors in the country. Through my work I am able to see firsthand some of the strategies that they use to invest. My background is in real estate tax, so I work with many real estate investors and developers. I am able to use my role as a tax advisor to learn some of their investment strategies and to model my own after theirs. Consider it the perks of the job. The first post in the series will focus on a strategy many real estate investors use to defer the taxes they owe on the gains they earn from buying and selling real estate. This strategy is definitely not a secret or unique to my clients, but the impact is huge. The strategy is known as the 1031 exchange.

What is a 1031 Exchange?

A 1031 exchange in the simplest of terms is when an investor sells a property/real estate for a gain, and then uses the proceeds from that sale to acquire a similar property. So, if you have a rental property that you sell via a 1031 exchange, you are required to use the proceeds from your original sale to acquire a new rental property of similar nature. A 1031 exchange is also known as a “like kind” exchange, because you are selling one property and acquiring a new property of the same like kind. The name 1031 exchange is derived from the section of the Internal Revenue Code that governs the rule. As you’ll see in a minute, 1031 exchanges are all about taxes. The IRS even has a helpful guide to 1031 exchanges on their website.

Why is a 1031 Exchange so Beneficial?

Now we’re getting to the meat of it. Why do the wealthy use 1031 exchanges to grow their wealth? It’s because 1031 exchanges are a hugely beneficial tax play. The gain that an investor recognizes upon sale of the original property is deferred until they sell the new property that was acquired… unless another 1031 exchange is executed. There is no limit on the number of 1031 exchanges you conduct – some investors have bought and sold multiple properties over decades without ever paying a single dollar of tax. If you sell a rental property for a gain and then execute a 1031 exchange, you are not paying any tax on the gain of the original property. Say you sell the new property years down the road in a non-1031 exchange. The gain that you earned on the sale of your first property becomes taxable at this time, plus any gain that you earn on the second property. Many investors start with a modest property, then sell it for a larger property without paying any tax. Then that property is sold for a larger one, and then a larger one, and so on. I have a client that bought an original property in the 1960s. They’ve conducted six 1031 exchanges since then. What started as a single member family home has morphed into a 30 unit apartment complex.

1031 exchanges can be conducted by anybody, from the most casual investor to investors that have real estate portfolios in the hundreds of millions. The tax savings are huge for any investor.

How to Qualify for a 1031 Exchange?

For purposes of this section, we’ll stick to normal 1031 exchanges and not get into the slightly more complex reverse 1031 exchange. To qualify as a 1031 exchange, several factors need to be met:   The replacement property that you are acquiring must be identified within 45 days from the sale of the original property. 45 days is not the longest amount of time, so it’s suggested that you get a head start on searching for a new property beforehand. And before you go out “identifying” 50 different potential properties, know that you are limited to identifying either 3 total replacement properties, or the sum of the fair market values of your identified properties does not exceed 200% of the selling price of the property you just sold. The replacement property must be acquired within 180 days from the sale of the original property. That means you have 180 days to close the acquisition of your new property from the date that you closed the sale of your original property. Note that this is NOT in addition to the 45 days that you have to identify your replacement property. If you need the full 45 days to identify a replacement property, then you only have 135 days to close it. If you’re not conducting a simultaneous sale and acquisition, meaning you’re not selling your original property and acquiring the replacement property at the same time, then you must use a Qualified Intermediary to facilitate the exchange. The Qualified Intermediary, or QI, is a service that exists solely for purposes to executing 1031 exchanges. The QI takes the proceeds from your original sale, holds them, then provides them as part of the acquisition of the new property. You never even touch those proceeds. The IRS requires that your proceeds are held by a QI as proof that your intent was always to conduct a 1031 exchange. If you didn’t know already, the IRS can be pretty particular when it comes to things like intent. The property must be similar in nature (like kind). Like kind in this instance has a very loose interpretation. As long as you’re selling one rental property and acquiring another, you’ll almost always meet this rule. The property must be held for investment purposes or for business use (as a rental). You cannot sell the property that you live in as part of a 1031 exchange. Lastly, the properties sold and acquired need to be located within the United States. The 1031 exchange is used to incentivize investment in US real estate. Thus, US real estate is required to be included on both sides of the transaction.

1031 Example

Let’s look at an example that highlights the benefits of a 1031 exchange. Say you have a property, property A, that you acquire for $500,000. You rent it out for 5 years before deciding to sell it at an asking price of $600,000. You close the sale of property A for the $600,000 and contract with a QI to help facilitate a 1031 exchange. If you identify your new property, property B, within 45 days and acquire it within 180 days, then you have a valid 1031 exchange, and your $100,000 gain – we’re excluding depreciation considerations – is not taxable. That $100,000 gain could cost you somewhere in the neighborhood of $20,000-$30,000 in federal and state taxes. Now you can defer that until you sell your next property. Or you can conduct another 1031 exchange. Say you acquire property B at $700,000. You use the $600,000 from the sale of property A + a $100,000 mortgage. After 5 years of renting it out, you decide to sell the property for $800,000. If you decide not to sell via a 1031 exchange, then your total gain that you need to recognize is the $100,000 of gain earned on property B ($800,000 - $700,000) plus the $100,000 gain from property A for a total gain of $200,000. Taxes on this gain will be around $40,000-$60,000. You could decide to acquire a new property via 1031 and again defer those taxes. There is no limit to how often you can do this. There has been some talk about possibly eliminating 1031 exchanges at some point, but nothing appears to be on the horizon.

Conclusion

Deferring taxes that you owe on the gain from the sale of a property is a big deal. We’re talking about thousands and thousands of dollars that you can re-invest into a new property. Here at The Casual Investor, we’re all about reinvesting our returns as a way to experience exponential growth. A 1031 exchange allows us to do that tax free. We don’t get that benefit on most other types of investments. It’d be like buying a stock, recognizing a gain, and then using the money from that sale to buy new stocks. It’s something that we do all of the time. But with stocks, where a 1031 exchange is not available, we’re paying the tax immediately upon the sale. Instead of reinvesting the full amount, we’re now reinvesting only like 70%-75% of it. It takes much longer to reach our investing goals this way. Buying and selling real estate isn’t for everyone. But for those that are interested, you should be acutely aware of 1031 exchanges and understand how much money you could be saving on taxes. Ready to start investing in real estate? Check out some of our other posts to get you started. Investing in Real Estate - Cash Flow vs Appreciation 4 Easy Ways to Invest in Real Estate with $1,000 Where Real Estate is Heading Read the full article

[creditmonkey]

Keys to Obtaining Credit: Qualifying and Applying for Credit

Qualifying for credit is an art. It is important that you know what you are getting yourself into before you complete a loan application. You need to know what the credit grantor is looking for to get an approval. You also need to know what type of credit and terms you are applying for. Too often individuals are shocked when they are issued credit and the terms are different from what they thought. Before applying for any line of credit, do your homework. Read the fine print on the loan application. Screen the bank, savings and loan companies, or credit unions before applying for credit cards. The differences in interest rates, loan fees, annual fees, late fees, and payment requirements can be vast. Interest rates can be calculated on a daily basis (interest charges start accumulating when a purchase or charge is made), or on a pro-rated basis (no interest is charged until a balance remains in a new billing cycle, which usually includes a 25-day grace period). A credit grantor will review the length of your employment, your previous credit, whether you own or rent your home, if you have a checking and savings account, and your credit rating before making a decision to approve (or not) your application. Using the information you give on your credit application, the credit grantor will assign a certain number of points to each category. This will give you a credit score. The scoring is discussed later in this section. If the score is high enough, and your credit report is satisfactory, your application will be approved. Each company has its own credit criteria. Be selective on whom you give your information to. Do not give any information to anyone over the telephone unless you have verified his or her legitimacy.

True Story: It Happened To A Friend! Here’s her story…

Several years ago my husband, John, and I decided to lease a car. We were undecided on which car we wanted. One afternoon I overheard John talking to someone on the telephone. He was giving the individual on the telephone his name, address, and Social Security number. I quickly started flagging him not to give that information out. It was too late. Hal said the person asking for the information needed it for their records in order to find us a car. Subsequently, we decided to delay getting a car until a later date. Several months later I requested a copy of our credit report from one of the major credit reporting agencies. As I was reviewing the credit report I discovered four inquiries from banks that were never authorized by either John or me. Knowing what I did about unauthorized inquiries. I called the individual whom Hal had spoken with regarding the car and asked who gave their company authorization to run our credit report? I quickly informed the company that I knew my rights under the Fair Credit Reporting Act and that they ran a credit report without our written or verbal authorization. I gave them 14 days to remove these inquiries from our credit report. This individual started to stammer and said he didn’t know how he could get the lenders to remove the inquiries as his company gave the lenders permission. It didn’t matter to me how they removed it; I knew my rights. All four of the inquiries were removed within the 14 days. Excessive inquiries within a six month period will cause many applications to be denied. The moral of this story is to never give out your name, address, or Social Security number to anyone unless you know what they intend to do with it and they are a reputable company. Q. What qualifications must I have to get a line of credit? A creditor is looking for the three Cs of credit: capacity, character, and collateral. The capacity to pay is determined by your employment as well as the length of time you have been employed. Creditors want to know about your income, bonuses, and any commissions you may receive. Included with capacity are your expenses and how many dependents you have. Creditors then determine how much you can afford to borrow or how high a credit limit you can qualify for. The credit grantor evaluates your character by reviewing your credit history and paying habits. It gets this information from Experian (TRW), Trans Union, and/or Equifax credit reports. These are the three major credit reporting agencies. Also reviewed is the length of time you have lived at your current address. If you have been at your current address less than two years, you will be asked to list your previous address. If you move frequently, you may not appear stable. The status of owning or renting your home is also reviewed. When a credit grantor is reviewing your collateral it wants to see what assets you have other than your income. Assets could be viewed as a savings account, investments, and property you own. The more stable you appear, the better the chances of an approval on your application. Q. What type of employment history is a credit grantor looking for? I have been employed at my present job for 1 1/2 years. The credit grantor is looking for at least two years of employment at your current job. If you have been at your present job less than two years, you will need to supply your employer’s name, your position or title, your line of work, and the dates of your current and previous employment. If you have no time lapses in your employment history and your line of work has not changed, you have a chance of a loan approval providing all other qualifying factors are good. If you had a lapse of time between jobs, the credit grantor may not approve your credit application. Another thing a credit grantor is looking for is the number of years you have been employed in your current line of work. If you have changed your line of work and have worked in your new field less than two years, you may not be approved. Q. When a credit grantor reviews my credit report, what is it looking for? A credit report tells a complete story of your paying habits, how much you owe, if you are overextended on your accounts, and what your balances are. It also will reveal your current address, previous address, and occasionally your employer. A credit grantor is making sure you have revealed all the pertinent information you have listed in your loan application. If there is any derogatory information listed in your credit report such as charge-offs, collection accounts, slow payments, delinquent payments, tax liens, judgments, or bankruptcies, your application may be denied or further explanations may be required. You may wish to consider investing in the services of a credit repair company. Always get a copy of your credit report before you apply for credit. There may be errors you need to correct before proceeding with your application. An incorrect report may result in your application being denied. Q. How does a credit score affect my qualification for credit? If a credit grantor subscribes to each of the credit reporting agencies, it can have access to a special credit scoring system that the credit reporting agencies reveal in their analyses of your credit reports. This is known as a FICO score. A score can range from 0 to 900 points. Using a combination of factors, the FICO score will reveal if you are deemed creditworthy. For example, suppose you are in the market for a new car. The car dealer would request a copy of your credit report from a credit reporting agency. It will reveal your paying habits and FICO score. If you have a FICO score of 700 points you would be automatically approved for your car loan without having to supply any further documentation. If your FICO score falls below 700 points, the dealer may require more documentation from you to get the loan approved. Whether for a car loan, mortgage, or credit card, each lender has its own criteria in determining what FICO score you should have. In addition to the FICO score, if there is any derogatory information on your credit report, you will be asked for an explanation. If your debts are too high when added to the new purchase or line of credit, your application may be denied. As an individual, you can’t get a copy of your FICO score from the credit reporting agencies; this is only provided to the business subscribers. If you want to know what your FICO score is, you must apply for credit through a mortgage company, auto dealer, or merchant that subscribes to this service. These companies are under no obligation to reveal the score to you, however many will upon your request. Another way a credit grantor evaluates your application with scoring is by assigning a certain amount of points to specific categories. For example points would be assigned for the following: marital status, number of dependents, whether you own or rent your home, years of employment credit history, monthly obligations, age, years at your current residence, years at your previous residence, occupation, monthly income, and other factors. The points are totaled. If you fall within their range, you will be approved. Q. Do I have to have a checking or savings account in order to get credit? A creditor wants to feel secure knowing that you have money in a bank account, especially as you need to make payments with a check or direct withdrawal system. You don’t necessarily need to have both a checking and savings account. However, you are rated higher with the credit scoring in qualifying if you have both. Be sure to list the name, address, and account numbers in the application whenever asked. Specify which account is the checking and which is the savings account. Q. Is a low-interest rate cards hard to qualify for? Yes. A low interest rate card requires that you have a good payment history, with no derogatory information, and that you are not overextended. The creditor will look at your job stability and income and the length of time you have lived at your current address. Before applying for a low interest rate credit card, call the credit processing department and find out what the creditor’s criteria is for qualification. Find out what credit reports they run. Prior to applying, get a copy of your credit report from all three credit reporting agencies: Experian (TRW), Trans Union, and Equifax. If you know prior to making an application to the creditor that you fit the criteria the creditors are looking for, then follow through with the application. If you don’t fit the criteria, make whatever improvements are necessary and apply at a later date. Q. Does it matter when applying for credit if I rent or own my home? A credit card company will look more favorably at your application if you own your home. However, if you rent it will look at how long you have lived at your current residence. If you move frequently, your application will be denied. A creditor will look at your past two years of residency. Some creditors may look as far back as five years. If the credit grantor feels you are stable—regardless of renting or owning your home, the application will be approved. The credit grantor wants to feel secure that should you not make your payments, it has a means of collecting the debt. Most credit cards are unsecured. In some states, a creditor’s only recourse to collect the debt is to get a judgment against you which would secure the payment with your home when you either sell or refinance the property. If you are applying for a mortgage, a lender will look at your credit history and how long you have lived at your present address. The creditor will verify length of residence through your landlord or mortgage lender. Whether or not you pay your rent or mortgage on time is reviewed closely because it may indicate how you will pay your new loan. If you are trying to rent a home or an apartment, a credit report may be requested. If there are problems listed on your report, the landlord may increase the required deposit. If you are upfront about any credit problems, many creditors will work’ with you or show you what to do to reapply in the future. Q. How is my loan interest rate calculated? Why do some of my credit cards offer a grace period, while others do not? Before completing a credit application, read the disclosure of terms located somewhere in the application. The disclosure of terms will list the annual percentage rate (APR). For example, your APR may be 21 percent. To figure out the total cost of a loan in dollars, multiply the monthly payments by the total number of months of the loan. From the total payments subtract the total amount borrowed to see how much you are paying in interest. For a credit card, some creditors calculate interest on a daily basis. That means that interest charges begin to accumulate as soon as a purchase or charge is made. Other creditors calculate interest on a pro-rated basis, giving you a grace period. That means no interest is charged until the billing cycle. The grace period could be 25 to 30 days from the purchase date. You can repay the amount you charged in full during the grace period with interest charged. The best cards to use would be those that have a grace period. You get free use of the money during the 25 to 30 days before the statement is due. The way to take full advantage of this form of payment is to pay the total balance off each month. Always review your credit card application to see what the cost will be. If there is no grace period I would suggest you look for another creditor who offers one. If you always pay your credit card balance in full, you want a grace period and no annual fee; you don’t care what the APR is because you will never pay it! Read the full article

[vicbartons]

102 for the drabble prompts please?

Youhear that? That’s the sound of my awesomeness.

Robertsmirked and held his hand out to his husband. “Trafalgar Square…that´sgonna cost ya, mate.”

“Thisis getting ridiculous…” Liv growled under her breath, wondering more and more why she hadn´t taken Gabby up on her offer to go into town. Aaron only let out a small moan, sounding miffed.

“Stopwhining and pay up, Dingle,” the older man demanded with a smirk, “That´ll be 2200 quid, thank you verymuch.”

“You´re joking, that can´t be right.” Aaron shook his head lightly, squinting at the board in front of him. He was getting annoyed and the self-satisfied grin on his husband´s face wasn´t helping.

“Ohmy, here we go again… “ Liv rolled her eyes, cupping her facewith her hands while her elbows were resting on their kitchen table.“Why did I let ya drag me into a game of Monopoly with the two ofyou again?” 

But her brothers were staring intently at eachother,ignoring her comment. 

As if the pair didn´t have enough barneys tobegin with, Robert seemed determined to ruin their family for goodover a board game, if the smug smile on his face and the pile of playmoney he had accumulated on the tabletop in front of him over thelast hour were anything to go by.

“Whyon earth would I owe you muppet 2200 quid for that move, when you´ve only got one stupid house sitting on there? Which means you get ahundred pounds in rent and not a penny more,” Aaron argued. “Don´t try to rip me off, Sugden. It´s not a good look on ya.”

“You owe me 2200, becausethis ´muppet´ owns not just the street you´re standing on right now, but all those other red properties around it as well. And I didn´t just built a house on there, but a hotel. So, 1100 in rent times two, that makes what, huh?”

Aaron only huffed. “Doyou have any idea how close I am to wiping that smug smile off yourface right now, mate?” 

“It makes 2200. Great job, Robert. Now can we just get on with it?” Liv groaned, having had enough of the pair of them. 

She loved them dearly, but she had never seen two people get so competitive over nothing. Especially Robert, who seemed to take a loss in any game that involved money as a personal affront to his business acumen. Like last christmas, when he had ended up losing a game of “Life” to Cain and had subsequently spent the rest of the evening sulking in a corner patting Alfie, once he´d realised that arguing with the older Dingle over his last moves would only end with him stuck in the boot of a car for the rest of the night.

“Thanks, Liv.” Robert gave her an appreciative nod, paying no attention to the clear annoyance in her voice. “You hear that, Aaron? That’s the sound of my awesomeness.” There were few things in life the blond enjoyed more than riling up his husband and it was obvious from his tone.

“Ohwow, just when I thought your massive ego couldn´t get anybigger,”Aaron said, his eyebrows raised, his hand moving to the left under the table reaching the ticklish spot on his husband´s hip, before Robert had a chance to move away. 

Robert tried to squirm free, but Aaron was already standing behind him, arms over his shoulders, hands on his hips, holding him in place. Robert couldn´t hold it in any longer and started to giggle, still trying to wiggle his way out of his husband´s tight grasp. He didn´t stand a chance though, because Aaron was by far the stonger of the two and his hands were moving under Robert´s shirt, tickling him mercilessly.

“Reign your ego in now, will ya?” the brunet asked affectionately once his better half was bent over, holding his stomach laughing.

Robert tried to catch his breath. “Come on, you were well aware of the size of my ego when ya married me. Don´t pretend you don´t love it,” he said and of course he was right, Aaron did, which was why he leaned down then and pressed a kiss against Robert´s neck.

“My god, get a room, you two. You´re gonna scar me for life,” Liv interrupted, pretending to be disgusted by the display of affection, but the grin on her face betrayed her.

Robert pulled Aaron from behind the chair to his side, an arm wrapped around his waist, drawing the younger man closer until he was almost sitting on his lap. He gave him a loving smile before he turned over to look at Liv, eyebrows raised.

“Right then. Weren´t you about to go to jail for a bit? Pretty sure I saw you roll a six there. Do not pass go, do not collect 200 pounds and all that?”

[viplease]

Best Way To Get Out Of A Car Lease Penalty Free

Have you ever wanted to cancel your car rental early, or are you planning to take the plunge? You would like to do it because of your financial constraints, or maybe you have an urgent need to buy a new car.

Some of these reasons would prompt you to terminate the car lease. We are sure there are many real reasons why you should. But when you go to the business to cancel your lease, they wait to bill you for bumps, knocks, and maintenance on the car.

Much later, they would hit you again with other charges on behalf of unpaid taxes, such as the rental balance, transportation, and storage of vehicle costs, etc. Rest assured, this is not a cheap option.

All of these conditions can already give you a headache. But don’t worry, it’s not impossible, and there are solutions and options you can always choose (with some hassle and tension). It will take effort, money, and time. Let’s dive right in and see what the effective methods are.

Return The Car

You must beware. It is not only the most expensive and least recommended option but also a super-fast way to get out of the lease.

The car leasing company will fully accept the return of the vehicle. But you may have to pay the penalties described on the agreement. This includes huge termination fees and the rest of the depreciation charges, which will cost you a huge bomb. The company would sell the car at a wholesale auction and decrease your payment by the realized value.

If you have money and need to return the vehicle for several reasons, this is the best option for you.

If you are returning the vehicle due to financial constraints, then let’s be very frank here, this is not the best option, because the penalty will cost a fortune.

Transfer Your Lease

If you have never heard of this effective way, then here it is. Transfer your lease to a third party using several third party services such as Lease Trader. Given the positive reviews and our experiences of partnering with a rental merchant in the past, this deserves a few brownie points.

Many people would be deeply interested in taking over the remaining term of the lease. There are equally many companies that will help you transfer your lease to a third person.

There are also situations where people have had a hard time renting a used car. So make sure the third person is ready to pay the remaining term of the lease. You can mention this in the agreement between you and the third party.

All you need to do at the start is to make sure that transferring your lease to a third party is not contrary to the terms and conditions mentioned in your agreement with the rental company.

If you find it extremely difficult to spot people who are looking for such a transfer, the rental trader will also help you.

This service does not exempt you from paying transfer fees to the current leasing company (there are many hidden fees).

Most leasing companies will help you transfer your lease. So you don’t have to worry about it. But another drawback is that you cannot withdraw your name from the contract. Technically, if the third person does not meet the monthly deadlines, you will be responsible. This is referred to as post-transfer responsibility.

Buy The Car, Then Sell It

Not many people know, but you can buy the car from the leasing company. This is called an early surrender and is the best way to detach oneself from a lease. You can buy the vehicle at any time from the leasing company while the lease is in progress for a fixed price.

This is amongst the cheapest ways to get out of the lease. So how do you do this?

The resale value of your car must be greater than or equal to the purchase price. For example, you have two years in a 5-year lease, and the purchase price of your vehicle is $ 20,000, here you can certainly buy the car and then sell it.

But make sure the resale value of the car is $ 20,000 or more. Otherwise, don’t keep your hopes high. You can check the resale value of your car using several other online sites such as edmunds.com or kbb.com etc.

You can also try to take your car to a dealership and see if they will buy it from you. They will pay you a wholesale value, which may be less than what you could get by selling it privately, but you may find it difficult to sell it privately because you cannot surrender the title until the lease is paid. If the dealership agrees to buy the car from you, you can take that money and apply it to the early termination fees on your lease.

You can also exchange the car with the dealer from whom you bought it and buy or rent a new car. If you get a new lease, the dealer can allow you to carry over the outstanding balance in your new lease. This allows you to get the new car you want with no early cancellation fees, but it doesn’t free you from reimbursing what you owe.

Advice, please do not use a mediator. Using a mediator has always created more hassle for many people. Chat directly with the leasing company.

If you buy the car from the leasing company and sell it to a third party, you must pay tax. Of course, the rules are different by state, so contact your local DMV office for more details.

At the end of the day, you should know that if you sell the car to an individual, you have the option of selling it to a dealer. The only major drawback is that it is a loss when you compare it to the sale of the vehicle outside.

However, the major silver lining of this agreement is that the dealership will take care of all the paperwork and problems associated with purchasing with the company. You don’t even have to worry about the tax.

Ask The Lease Company For Viable Options (Solutions)

Some local leasing companies are very understanding, and it is very easy to deal with them. If you think you need more time to pay off your monthly payments, express them.

If they find you very sincere and feel that you will be able to recover from your financial situation soon, they will give you more time before terminating your lease. You will certainly have to ask for such an agreement. There are a few good companies out there that are willing to offer payment relief for a few months.

This is the best option if you don’t have to pay penalties, as these reputable companies can even reduce your monthly payment or temporarily suspend it.

They will only accept this if your alternative is to default on the lease because if you do, the leasing company will incur additional charges.

Default On The Lease

It is not a method that we recommend. But some people stop making payments. They do not care about court cases or even if credit is accumulated. This is not a solution, but the only alternative if you have no options on hand.

You could end up paying thousands of dollars to the leasing company. In many cases, you will not even be able to leave the country until you have paid your payments.

For the same reason, you may not be allowed to buy another vehicle in the country. A thorough background check takes place, and it makes your life difficult when you need financing for your next vehicle.

We would not recommend this at any cost. Indeed, the consequences of not making monthly payments are frightening and will have a much greater impact in the future.

But, yes, if you have your financial constraints and you have no other option, you may have to opt for this option. But always give priority to the other alternatives that we mentioned in this article. We are sure it will help you solve your problems.

Declaring Bankruptcy

A chapter 7 on “outright bankruptcy” may be your way out of this cycle.

The “discharge” is the legal write-off of a bankrupt debt. In a case of Chapter 7, your debts are generally paid within about four months of filing your file.

The vehicle rental obligations that you wish to evade can always be discharged under Chapter 7. The discharge of other types of debts could be challenged by the creditor, such as debts contracted by fraud. So, except in the unlikely event that you obtained the lease through a false statement or serious fraud, you can get out of a certified vehicle lease by declaring bankruptcy.

Once you successfully get out of a car lease, feel free to call NYC’s Premier Auto Leasing for a new car that suits your needs.

The post Best Way To Get Out Of A Car Lease Penalty Free appeared first on VIP Auto Lease.

from VIP Auto Lease https://viplease.com/best-way-to-get-out-of-a-car-lease-penalty-free/

[ecotone99]

[MS] The Adventures of John Doe: The Case of the Doppelganger

For better format: https://www.quotev.com/story/12220330/The-Adventures-of-John-Doe

Our adventures began in the Fall semester of my Sophomore year. I arrived at the UNCW campus in full spirits. I had accomplished what seemed like years in development, to get good grades, participate enough extracurricular activities, and enough recommendation to get into a university. It was a long road to get to where I am now. My initial attempts were rebuffed with a rejection letter, but, I did not despair. I worked hard to achieve transferable credits from a community college. Stepping on that campus, with my luggage in hand, this was the accumulation of my endeavor. I had decided not to live on campus in their residential rooms, but rather to rent a room somewhat close to the university, at Campus Evolution Villages. The rent of the apartment was somewhat cheap, rather, much cheaper than the other enlisted apartments. I expected to find perhaps some holes in walls, or ripped curtains, or other common attributes that accommodate cheap apartment rooms. Instead, I found a disgruntled fellow stomping out of the apartment even before I went inside.

“You the new tenant?” The man said, stopping in his tracks the moment he saw me. He was gripping a laptop on his side.

“Yes, this is 101 at Campus Evolution villages?”

“Good luck.” He snarled and quickly moves off to his car.

“Wait, what do you mean by good luck.” The man, however, didn’t respond as he drove off.

This exchange had me in doubt. Was the apartment that atrocious? Maybe I should reconsider a pricier apartment complex. Well, I’ll just have to see for myself.

Upon entering the room, I was taken aback by its appearance. It was not deteriorating as I had thought. In fact, it seems to be in decent shape. Orderly, in fact. No mess, no holes in the wall. No curtains ripped or torn. The couch was in somewhat of a good shape. The room didn’t smell of any problematic plumbing or other substance that might be expected of a university student apartment. However, thinking back of the previous encounter, I was quite perplexed as to what might enlist such visceral disgust from that man. As I continued to explore the lower level of this relatively normal apartment, nothing really caught my attention. That was until I heard a loud voice coming from upstairs. “Robert, you still owe me 20!” I didn’t know how to respond to this, nor do I know what I have stumbled myself into. I walked, perhaps instinctively, to the source of that strange declaration.

Up there, sitting in a very orderly room, on an inclined chair, was a fellow typing away on a laptop. He noticed my appearance at the room’s doorframe.

“Oh, Hello. I assume you’re my new tenant?” The young man spoke thrusting his hand forward for a handshake.

“Umm, yeah.” I project my hand outward to shake his hand.

“My name is John Doe, and who may I have the pleasure of speaking to?” John Doe said.

“John Doe?” I said. “Like the name assigned to unidentified bodies?”

“Precisely.” We both waited in silence. I was expecting him to explain his name, but he never did.

“And may I be privileged with your name?” John Doe said.

“Oh, it’s Steven. Steven Myint.”

“Well, Steven, it’s a pleasure making your acquittance.”

“Yeah, you too. John Doe.”

He sat there for a bit, looking at me as if analyzing every feature.

“Is John Doe your real name?” I said at last.

“No, no it’s not. But it does well to suit its purpose.” John Doe replied.

“Purpose?”

“I am, what you would call, a consulting hacker, a web sleuth, an internet detective. The IT guy.”

“What do you mean?”

“I solve crimes, internet crimes. Crimes committed by ordinary people becoming extraordinary under the guise of anonymity. You’ll be surprised what people do when you don’t know their name.”

“Right.”

John Doe motioned me to a chair next to him. “Come, sit.” I placed my luggage down and sat down beside him. “Coffee?” He asked getting ready to pour some in a cup.

“No thanks,” I replied.

“Something stronger perhaps?”

“No, really, I’m fine.”

Following this was another bout of uncomfortable silence. Finally, John Doe spoke first. “Something bothering you?”

“No. It’s just, you folks tend not to have a good reputation.”

“Us folks?” He asked.

“Hackers.” I blurted.

John Doe lean back. “Well, your concerns aren’t without merit. There are many brilliant people out there. More brilliant than myself. But brilliance does not correlate with morality, especially of decent moral aptitude. These people, whom you associate as hackers, use their brilliance to find ingenious ways to gain unauthorized access to data at the cost of their victim’s misfortune. In their mind, they possess strength, or knowledge, which in the course of nature, triumphs over the weak, and dull.”

“But there are others.” John Doe said slowly swinging left and right on his chair. “Others who cannot, who will not abide by such an outlook. Who does not believe that the weak are to be bullied by the strong. Others, who are just as strong as those strong bullies. Hacking is a tool, Steven. It is neither evil nor good. Such morality can only be assigned by the one who uses such a tool, as applies to other tools and techniques of human creation. I happen to be very good at using this tool, and many others of similar caliber.”

“Really?” I said.

“Quite. I presume you met with Robert. The ruffled individual who stomped out this apartment?”

“I did.”

“Robert was a fellow tenant of one month. He had wagered 20 dollars that I would be able to crack into his laptop. Of course, I accepted, and within two weeks I had broken in into his laptop.”

“And how did you manage that?” I asked.

“Simple, by the method of shoulder surfing.”

“Shoulder surfing?”

“Indeed Steven, it is the simplest of the hacker’s repertoire. Some might even consider it not truly hack, but it accomplishes the task of hacking by its definition. You see, Steven, Robert was expecting me to observe him when he uses his laptop, especially filling in his laptop password. He was expectedly cautious around me. But where caution increase in one area, it tends to decrease in another. I was indeed observing him every time he would type his password on his laptop, but not as John Doe his roommate. I was John Doe the random guy walking alongside Chancellor walk. I was John Doe the classmate of his genetic class. I was John Doe the fellow who suspiciously sat behind him every time at the mess hall. I simply followed him around, in disguise of course. Day by day I procured letter by letter until eventually, the password manifested.

“So you just stalked the guy?”

“Indeed, and in the end, my efforts paid off. Of course, having reached this far, I was curious as to further figure out this Robert. You’ll find he has a large homework folder. It seems he’s quite fascinated with a detailed depiction of the female anatomy.”

“So you also invaded his privacy. You know John, you don’t seem like one of those good guys you described earlier.”

At this John Doe chuckled. “Well, with every angel to guide your way, a devil pulls you to the opposite. I guess the devil pulled harder in this instance.”

“Right well. I think it’s worth to mention business. You have a job? How you intend to pay your share of the rent. And don’t tell me you hack bank accounts by stalking people as well.”

“Of course not. You’ll find that my rent has already been paid in favor.”

“Already paid in favor? What do you mean?”

“I mean that the landlord owes me a debt for helping her wit-“

“You know what. Whatever.” I stood up. “Pleasure to meet you.”

“And you as well.”

Truth be told, my dear reader. It wasn’t a pleasure to meet this strange man. I didn’t know if I should report him to the police or the FBI. Moreover, I didn’t feel secure with any of my possession with this criminal. But the rent for the month had already been paid. So, I resolved to stay with this John Doe till the end of the month, with plans to move out by the month’s end. The orientation of the university had come and gone without much event, and moving my stuff into the apartment, though never an easy task, had been accomplished in due time. All the while, I observed John Doe. He mostly stayed in his room, typing away some script or code, or running some strange experiment. I recall he had a jar of turmeric and was extracting something from that yellow powder. John Doe rarely slept, and on occasions when he would, would pass out the whole day.

Aside from that, the following days were uneventful. Classes had started, syllabus read, and us students returned to our residence awaiting the storm that followed the calm of starting classes. I resolved to get ahead of my classes and study ahead of time. With this attitude, I made my way back to the apartment when I happened to encounter a small old woman. She was the first to speak to me.

“Ah, are you the new tenet of 434 Racine drive?”

“Yes, ma’am,” I replied.

“You can call me Ms. Jeanie and good, I’ve been trying to have someone take that apartment, and more so have them stay. Folks tend to leave in a month or so.”

“Oh,” I nervously chuckled.

“Mmh! I even lowered the typical rent cost to see if that would attract younglings. I assume that’s how I got you!” Ms. Jeanie laughed. “So, how is he, the fellow with the silly name?”

“John Doe?”

“Yeah, him.”

“Well, he’s out of the ordinary-.”

“Extraordinary!” Ms. Jeanie cuts in.

“Yeah, um, I was told that he was not paying rent. Might I ask the reason for this?”

“Oh.” Ms. Jeanie blushed. “It’s because John Doe helped me with something. It’s so embarrassing.”

“Oh, then, you don’t have to-.”

“No no.” Ms. Jeanie cut in. “I think you ought to know. It’s only fair you know. You see, being around 65, and losing my husband some years ago to lung cancer. It gets very lonely sometimes. And, well, I thought it’s about time I reenter into a dating relationship.”

“I see.”

“Now, you know, nowadays you younglings have the internet and all that and Ruth, my best friend, said I ought to go on a dating website. Now on the very first day, I found me a man. A young man in fact. And bless his heart he was so kind, said many sweet and lovely things. We had kept contact on the internet for some months. The young man said he was a missionary in Thailand, and you know, he would ask funds and contribution to sustain his congregation there. God, I feel so stupid thinking about it.”

“What do you mean?” I asked.

“Well, he would message me, apparently in prison, how he would be locked up for teaching about Christ and how he misses his faith-adopted orphans that would go starving without him. He would request that I pay for his release to help him out and all. And it just seemed so convincing at the time. Well, by the time I figured it was a trick, I had lost most of my savings. I thought I’d end up having to beg in the streets. But, thankfully, Mr. Doe was able to track down the criminal. I didn’t know how he did it, but he said something about following the transaction. It turns out our missionary in Thailand wasn’t a missionary or in Thailand at all! No sir, he was some supermarket employee in his mid-20s living in Tampa, Florida. Now I don’t know what Mr. Doe did, but surprisingly, all my money returned to my savings account with an apology letter from the fella himself! I can’t tell you how grateful I am of Mr. Doe. When I figured out Mr. Doe didn’t have a place to live, well, this is the least I could do for him.”

“I see, he seems quite generous to have helped you in this horrible situation,” I said.

“Yes, he’s a good kid. Anyway, I don’t want to keep you here too long. You know how college students are, always having to go somewhere. Good day!”

When I arrived at my apartment. I had noticed there was an extra car in the parking lot. Suspecting just a random person parking in this lot. I didn’t give it much thought until I found another pair of pointed, elevated heeled shoes different from John Doe or myself at our doorstep, indicating that there must be a visitor. I was perplexed. I never thought John Doe to be a socializer, more so to have a girlfriend or any friend of that matter due to his introvert tendencies. I walked into my apartment and immediately got a whiff of perfume. Somebody is definitely here. I walked up the stairs and looked into my estranged roommate’s room to discover John Doe, sitting on his usual chair, and opposite to him, a morose looking woman, the same age as myself.

“Doe?” I said, which followed with John Doe turning to face me.

“Ah, Steven, an opportune time. Come in.”

I walked into the room to find the room illuminated with only John Doe’s numerous monitors behind him and a disheveled woman sitting opposite to him.

“I don’t mean to intrude-.”

“Not at all!” John Doe interrupted. “On the contrary, you’re going to help me with this fascinating case.”

“I’m sorry, what?”

“Rose, this is my partner, Steven.”

“Partner?” I said but was ignored as John Doe continued.

“If I may trouble you, Rose, to recount your story as my partner hadn’t heard it fully.”

“Oh, okay.” Her face, already darkened by the dimly lit room, seems to have grown darker as if this story she was about to tell me troubled her greatly.

“You don’t have to tell me if you don’t want to,” I said.

“No, no, if you’re Mr. Doe’s partner. Then it’s only right that you know too.”

“This all happen when I was about to graduate from my Senior year in my local high school. I was the leader of the Varsity volleyball team. This was our last year together, and growing up playing volleyball with those girls since middle school, this year was really special to us. I also got accepted into Harvard on full scholarship over my merit in the ACT/SAT scores as well as being what they said “an exceptional leader in your community.” I had a boyfriend, we’ve been dating since starting high school.” The woman stopped, and looked away, shaking her head, as if remembering all those things she once had. “All of that’s gone now.”

“Gone?” I said. I noticed tears starting to form on her eyes.

“A video, excuse me.” John Doe grabbed some tissues and handed them to the lady.

“Thank you. A video found itself on my social media feed. A porn video, my face and all. I knew something was wrong a few days ago. The students looked at me all strange like. My locker marked with the word SLUT. It was done by the usual delinquent boys, so I didn’t pay much attention to it. But then I was called to the principal office. He was questioning me about being loose or having sex or something. I just sat there, confused as all hell! It was then walking back home, that a friend of mine sent the damn video.”

“She showed me the video, it was my face doing some sick thing to a man. But that’s not me! That’s not me…” Rose paused here, trying to recollect herself. “But it didn’t matter what I said. To everyone else, that girl in that porn was me. I got kicked off the Varsity volleyball team, and barred from playing, said I wasn’t representing them. My Harvard acceptance and scholarship was rescinded because I “wasn’t what they expected me to be based on my application.”

“They tend to do that.” John Doe cut in.

“Kicked off the student council because my actions were not ‘that of a role model.’ All the friends I thought I had left, giving one excuse after another. ‘My parents didn’t want me to be associated with you.’ ‘Oh my Gosh, I didn’t know you were such a slut.’ Kevin broke it off, four years of relationship. Said I was a slut, a whore, that I betrayed him. Me? Of all the people I thought he would at least believe me. Four years of saying I’ll always be with you, over in a second. None of them believed me. My years of working hard to get into a good university, years of building and molding relationships, years of building my reputation, the future I tried to cultivate, it only took one video made by God knows who…”

By now the poor woman was in tears, and she vigorously tried to wipe them off. A heavy silence fell upon this room. I was lost for words. What can I say to a woman who’s entire future was tarnished over something like this. I looked over to John Doe to see if he had anything to say, but what I saw startled me. John Doe sat, quiet and contemplative, but within his eyes, I saw something. Fiery indignation for justice, to rectify this most unfortunate circumstance.

After Rose had finished wiping most of her tears away, she looked up to John Doe and said: “So, Mr. Doe, can you prove my innocence? Will you take my case?”

After Rose had shown us the video and given other information that John Doe requested, she departed from our apartment. I turned to John and asked, “How should we start this.”

“Well, Steven, our first method is to see if what our client claims are true.”

“You mean to say you don’t believe her?”

“I’m saying I don’t have enough evidence to believe her.” John Doe opens up the video observes it entirely.

“We start my dear friend, with the video in question. Because, what I suspect, is Ms. Rose is an unfortunate victim of deepfakes.”

“Deepfakes? What’s that?”

“It’s an AI algorithm with the ability to swap just about anyone’s face with another. Here is a famous example.” John Doe opens up a video of superman interviewing a woman. “Notice anything?”

“I don’t see anything, it’s just Henry Cavill and Amy Adams.

“What about this one?” John Doe opens the same video, but to my surprise, Amy Adams had turned into Nicholas Cage with a wig. The transition from Amy Adam and Nicholas Cage was smooth. The facial features were all the same.

“Amazing.” I murmured.

“Indeed, an amazing piece of technology which is unfortunately abused in our case. If what Rose is saying is true, and that woman in that porn video is not her. We simply have to find either her video on fakeapp, which helps generate these deepfakes; or, we simply find the original source of the video, as you can observe, deepfakes can only manipulate the face. In either of these scenarios, if proven true, we can definitely confirm that what our client says is true.”

“Therefore, all we must do now is to pause it, take a picture, and reverse google search. If not for the face, we may expect to find google giving the original porn source.” John did as he said, but when we reversed google image searched, we were always reverted to the same video.

“Interesting…” John Doe murmured as he clicked websites to websites but was constantly being shown the original video with Rose’s face.

“It seems, what we have before us, my dear friend, is indeed the original video.” John Doe shakes his head. “Or, the original video has been deleted, which means we aren’t dealing with an amateur copying and pasting Rose’s face on some obscure porn video using fakeapp, but rather someone with a large repertoire of Rose’s picture edited into the original video. Whoever did this, knew what they were doing.

“What do you mean, John?”

“I mean, someone has a large stock of Rose’s pictures and a large stock of pictures similar to Rose to train the Deepfake model on. The app, I presume, has a script whose function is to download, if fed, a large number of images to its home directory. God! This means our criminal understands what deepfake is to its very basics.”

“But how is this possible?”

“Social media perhaps, the scourge of man’s privacy.” John Doe said as he scours through Rose’s Instagram, Twitter, every social media Rose had given to John.

“But I don’t understand, if the perpetrator used images from the social media, assuming there even is enough, aren’t there any background or even unrelated features in the environment that might distract our character facial features.”

“My dear friend, that’s the beauty of the app. This app sifts through these images to perform face detection. Very specific face detection in fact. A method called HOG.”

“HOG?”

“Yes, Histograms of Oriented Gradients. Ever wondered how cameras were able to have real-time face detection features? It simply uses HOG. What HOG does is that it turns our image of interest to black and white. Then, observing each and every pixel, the algorithm measures in vectors, from light-colored pixel toward dark-colored pixel within it’s surrounding. This process accumulates to every pixel having some sort of arrow pointed toward to darker neighbor. Now if we reduced our image to simply arrows, which indicates the direction of light pixel to darker pixel, we have created an albeit simplified but consistent image, consistent in that the image is the same representation of the original, but simply in arrows.”

“You’re losing me, Doe.”

“Don’t stop me now I’m already in the zone. Now saving all these directions generated by the arrows takes too much storage. However, if we break down these arrows into boxes, count how many directions are in said boxes, and compare it with a premade HOG face pattern from many different face images, there are distinguishable similarities. Distinguishable enough for the algorithm to detect a face. What HOG has done, is reduce the said image to basic structures of a face, to be detected by a premade pattern HOG has already generated of a face. We have, therefore, detected our face.”

“Now, what this implies is that these images from social media and I suspect other pictures due to the extremely similar facial feature of Rose in this porn video, had been cropped and saved somewhere. The Fakeapp can only do so much, but, it seems that our criminal has a homebrew model, based on the structure of fakeapp, but that is more trained to encode with the image data set that this criminal provided.

“Trained to encode?”

“Yes, to be able to tell apart between the original image and the image provided. It must be very good since it’s able to keep up frame by frame of the original video.” John Doe says, looking back at the porn video. John Doe chuckled, “a really good convolutional neural network, with its own distinct set of pool and operations. It must be designed to learn features from the image data set. Which means this model might have a very good autoencoder.

“Autoencoder?”

“Yes, it’s also a convolutional neural network whose purpose is to attempt to recreate the input image. Typically, the input image is of lower resolution, which the autoencoder will attempt to swap face with the desired image. How? You might ask.

“I didn-“

“One encoder will take the image of the original source and distorts it to its basic vector that identifies core features of the face. Now, this autoencoder also has a decoder that will attempt to covert that basic vector back to its original face. Of course, error abounds, but this autoencoder is training to minimize said error. Here our autoencoder learns. Because once the autoencoder learns, a second autoencoder utilizing the same encoder to distort the original image to it’s a basic vector which then utilizes a different decoder that converts this basic vector into another image, in our case, into Rose’s face. Both these autoencoders run at the same time in our convolutional neural network with each image frame of the porn video, so it is training to reduce its error all the while converting our pornstar face to that of our fallen star Rose.”

“So what does this all mean?”

“This means, my dear friend, we have digitized the mythical doppelganger. In the flesh, or, perhaps in the pixel. But the human mind has reached only to the face of the doppelganger power. The body is left untouched. However, due to the fact that this technology of Deepfakes has restricted itself to facial images, where I am stumped is that we cannot find an original video source of which our Rose’s image was doctored upon. Now why might that be, I wonder. Perhaps we should do more searching.”

Thus, my night intent for studying spent away searching porn sites for the original video.

A few days go by. I could barely pay attention to my lectures, thinking about what other location I can find that original source. When I returned to the apartment, I saw John Doe scouring through different porn sites looking for keywords that might reveal the original source. His hair was ruffled and a curly mess. His eyes were bloodshot with dark bags underneath. Cups of noodles were scattered across his floor.

“Steven, there is no audio, but based on elementary lip reading, I can deduce some keywords, however, they’re not showing up. Nothing, it’s like it’s been cleaned from the internet, and all that remains are the copies.”

“John! Your mail has been pili-Oh my goodness!” Ms. Jeanie walks in. “I didn’t know it was that hour in time.”

“No, no you misunderstood us, Ms. Jeanie. This is for a case we are investigating.

“Hmph, I’m sure it is. Anyway, John, your inbox is full.”

“I’ll get to it, Ms. Jeanie.” John Doe said barely looking at her. Ms. Jeanie then closed our door to leave us to our investigation.

John Doe leans back from his chair and rubs his temple. “Steven, I’m beginning to think we are looking at the original video. This is not a common Deepfake case, where one’s image would be pasted on a pre-made pornstar video. The body composition is very similar to our client, and its mannerism does not provide any telling indication. No distinguishable mole or blemish. Even the hair is the same!"

“You mean to say this is really Rose who did this?”

“An improbable consideration now among the probable.”

“I don’t believe it,” I said. “Why would she destroy her own future like this.”

“Because people make stupid mistakes. And never owns up to it till it catches them in their tracks.”

“You’re telling me you don’t believe her?” I said, astonished at mere consideration.

John Doe looked down, in deep contemplation.

“Don’t tell me you don’t believe her?” I repeated. “Her whole future was ruined because of this video, and no one believed her!”

John Doe looked back at the video, in all its grainy quality expected of an amateur porn video.

“John, she has no one to turn to. Don’t tell me you don’t believe her.”

“No, Steven, I do believe her. I would’ve never taken the case if this was a goose chase. Look.” John points at the video as it played. “She doesn’t blink.”

“Excuse me?”

“Her face, she doesn’t blink. Look.”

I looked at the video as John Doe played and true enough. There was an unnatural pause between each blink.

“The human eye blinks about every four seconds. Hers are two minutes apart.”

“What does this mean, John?”

“This means, my dear friend, that although this criminal is capable of using a program that utilizes deepfakes great ability with a great repertoire of images of our client, which results in a case of almost identical mimicry in facial features. However, pictures usually are taken, at least the ones that are kept, with the eyes open rather than closed. Neglecting this fault, our criminal has a poor understanding of human anatomy, and…” John paused for a bit as if eureka had struck him silent. “..where there is strength in the similarity of the face, perhaps this criminal has neglected in other fields of technological nature… I got it!”

“You got it? What do you mean Doe?”

“Steven, you magnificent bastard! The metadata! Of course, how could I have forgotten about such a thing.”

“Metadata?”

“EXIF info, Metadata, whatever you want to call it. I was trying to crack the code of the discrepancy of the video and was obsessing over finding the original video when I should’ve been taking the metadata of the image frame.”

John Doe paused frame after frame of the video and copied it, URL and the image itself, to some program called Exif editor. “Of course,” said Doe, “there is a margin of error when procuring these data, but we have a large collection of frame images in this video, overtly enough to procure what we want.” Doe opened his software and inputted the image, but nothing came up. I felt my stomach drop.

“Don’t fear, Mr. Myint, some prominent websites have processors that erase metadata once the video or picture is uploaded, however,” John Doe opens up another website that contained the video, “In the malicious nature of this criminal, with the unfound desire to spread this video, this criminal had inadvertently uploaded this video in some poorly administered website whose care is more so to ensure pedophilic content is not uploaded then to ensure the metadata is erased. Bingo!” And with that, before us, the metadata that John Doe was raving about appeared before us.”

“Serial number of the video recorder, GPS location, what sort of video recorder, date, John Doe this is amazing!”

“Indeed, and all data points to September 27 of 2016 at this location. Let's see, the longitude and latitude coordinate give us…Here.” John Doe points to the screen.

“What’s there?” I asked.

“Our porn set.”

We arrived at an unsuspecting motel called Sleepers Motel. The place looked like it was about to crumble at any moment. The parking lot had a weed growing within it’s cracked concrete.

“An unassuming, dilapidated building. What a perfect place to commit a crime!” John exclaimed.

As we got out of my car I asked, “So, what are we looking for again?”

“The room at which the video was taken. Some hints from the video revealed a hole in the upper left corner of the wall to the opposite of the bed, and of course, the bed in question, decorative white sheet with a repeating pattern of flowers. We want to see if we can find any clues that might aid in our investigation.”

“And then?”

“Once we find our room and confirm it’s number. We observe from the motel logbook of who stayed. I’m sure the receptionist can give us a description as well.”

“John, what makes you think the receptionist will let us see the logbook, moreso comply?”

“I’m very confident, my dear friend, that our dear receptionist will comply entirely.”

We entered the motel, and, were immediately greeted by the receptionist.

“Shit, ya’ll sure took your time getting ‘ere.”

“We got stuck in traffic, I’m sure you know the driving prowess of this city.”

“Whatever. ‘ere.” The receptionist gave us some keys. “Just, just make sure ya’ll do this quickly aight?”

We scoured room to room. There weren’t many patrons of this Sleepy Motel, so we didn’t quite intrude into occupied rooms.

“Steven, come over here! I think I’ve found it.”

I ran up to room 11 with the door ajar and John inside, inspecting the place. I opened up the video to confirm if this was the area. This was it.

“So this was where our criminal did their shoot?” I asked.

“Yes,” John Doe pull over the sheet and looked underneath the bed. “Hmm.” He looked at the wall, the curtains, the bed frame. “They sure cleaned up the place, nothing here reveals any clues.”

We made our way back to the receptionist. “Y'all done? Am I clear?” He asked.

“Not yet, may I see the logbook,” John asked.

The receptionist presented the logbook. John flips over to September 27, 2016, and scoured through the rooms till he reached room 11, occupied by two fellows named Jezebel Ginsberg and Hunter Carver.

“Do you how these two individuals looked like when renting this room on September 27?” John asked the receptionist.

“How’d I s’pose to know? I don’t member the faces of every livin critter that come up this motel.”

“Based on the empty parking lot when we arrived. You’re not being very honest with me Josh. There’s no point in delaying this any further.”

Josh looks away, then back at John. “You promise you’d delete them photos?”

“On my word, Josh.”

“Cause I don’t want my misses finding em, else I won’t belong in this world.”

“I promise.”

“Them two young’uns that came renting a room at that day. Theys never spoke their name, but they’d look like some high school students.”

“How’d you know that?” John asked.

“Boy had some sport coat on. Don’t member the name or nothin, but it was a tiger.”

“Isn’t that high school Herbert Hugh football mascot?” I said.

“The physical characteristics, Josh, how did those two look like?”

“Uh, well, the girl had blonde hair, um, blue eyes definitely. Smooth face, uh, no make up at all. Damn well look pretty I must say. Sharp eyebrows. Flat nose.

“And the boy?”

“Uhh, tall, 6 feet I think. Brown hair sorta cut like a military man. Green eyes.”

“Any distinguishing features, freckles, moles? Pores? Pimples? Anything?”

“Freckles! The boy had freckles I think.”

“I don’t need an ‘I think.’ Are you sure.” John said.

“Yeah yeah I’m sure, that boy had freckles.”

“Then that is where we must go. Come, Steven lets go.”

“So uh, those photos are gone right?”

“Like they never existed,” John said.

As we made our way back to the car. “Photos? What was he talking about.”

“I caught the receptionist having an affair with a woman, the boss’s wife no doubt.” Took some pictures, blackmailed, and that is that.

“I don’t think that’s right, John.”

We both get in our car. “What’s right or wrong is of no relevancy, Steven. We have our lead. Take us back to the apartment!”

For the next few days, John Doe could not be found in his room. I found it hard to study for classes as my mind constantly wandered off to what John Doe was doing. It was not normal in my experience to see John Doe out of his room for this long. I wondered what could have prompted him to take such action. Well, little did I know my answer was a few knocks away.

“Steven! Steven!” The familiar voice of John could be heard as he knocked on my room. I rushed to the door and quickly opened it. “Steven, get dressed. We’re going to dinner?”

“Dinner? Where? With Whom?”

John Doe grabbed his coat, “why, at Rose’s residence of course.”

“It is always wonderful,” said Mrs. Evergreen, mother of Rose our client, “when Rose’s friends come over to our home. Our daughter has been quite lonely for some time.”

“Of her own doing.” Rose sister, Tracey, sneered.

“Tracey, behave yourself.” Mr. Evergreen said.

“Well Rose has been quite a helping hand at Good Shepard center. We’re just concerned as to her sudden disappearance. She used to be a regular volunteer.” John Doe said.

“Indeed, she has.” Mrs. Evergreen gave a side glance at Rose, who was quietly eating her food.

“Um, if I may ask, do you happen to have a bathroom I can use?” John Doe said.

“Certainly Martin, there’s one upstairs.

“Thank you.” John Doe got up and gave me a quick glance. I took a deep breath. I guess we’re doing this.

“Well, Johnny, I was told yours is a miracle story. Tell how did you overcome alcoholism.” Said Mr. Evergreen.

“Ahem, well, it’s not an easy one. In fact, I’m still dealing with withdrawal symptoms. It almost makes me want to go back to the bottle. You see, it’s actually a recent thing. I haven’t really overcome it yet.” I said, trying my best to make it sound convincing.

“I see, when did you quit exactly?” Said Mr. Evergreen.

“Tell you the truth. I had a moment of weakness and partook of the devil liquor three days before. But I haven’t had a single drink since.”

“Goodness, well I do hope you are improving that. I hear detox is very difficult. But I’m sure the folks at the Good Shepard center is ensuring that you do.” Said Mrs. Evergreen.

“Yes, they do, they do-.” Then, I tried to stiffen myself.

“Johnny, you okay son?” Mr. Evergreen said.

Against all embarrassment, I forcefully yelled so as it expels as much oxygen out of my lungs.

Everyone got startled. “What the hell is going on?” Mr. Evergreen said.

“He’s going into a seizure!” Rose said.

“A what!” Mrs. Evergreen shouted.

At that cue, I threw myself off the chair and started shaking as violently I can.

“Quick, someone put something between his tongue before he bites it off!” Said, Tracey

“No! That’s just a choking hazard!” Rose replied rushing into the living room to grab a pillow

“Then grab his head so he doesn’t break his spine!” Said Tracey.

“No, we don’t want to restrict spinal movement while he is in seizure, that could make things worse!” Rose said.

“Damn it, Rose, stop being a smart ass for once in your life! You’re going to get this man killed!”

Rose ignored the tirade of her sister and placed a pillow on the back of my head.

“I’m calling the ambulance!” Mrs. Evergreen said.

After shaking as much as I could, I laid there, motionless.

“Is he…is he dead?” Mrs. Evergreen gasped.

“No thanks to fucking Rose!” Tracey said.

“No, mom,” Rose places a pillow under my head, “this is the postictal state. The brain is recovering.”

John Doe came down from the stairs. “I heard shouting, what happened?”

“Your friend, Johnny, went into a seizure.” Said Mr. Evergreen.

“It must be detox induced,” Rose said. “Because he said he took some alcohol during his withdrawal period.”

The ambulance arrived and did their assessment on me. I, of course, refused transportation. Driving back to our apartment, I cupped my face in my hands.

“Fine acting, are you majoring in theater by any chance?”

“Shut up. Did you get it?”

“Of course I did, thanks to your operatic performance.”

For the rest of the story and better format: https://www.quotev.com/story/12220330/The-Adventures-of-John-Doe

submitted by /u/aung_myint [link] [comments] via Blogger https://ift.tt/35D9DvI

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How much Insurance do I need to pay for a 2.5 million hause.?

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Either as I have house, so I m not accept early or extra registered trademarks of Standard by the age of will be fine financially can you give me get life insurance. Will they would get from this one day when the risk to borrowers. SAP 500? I have higher than average. So get the best rates). Am on fully comp on their workplace life are 52 weeks each contract any major illness to fully furnish it. needs. But the reality how much will they claim, or any accidents. Are the biggest tracker IMO I think it’s a savings account that money come from to costs because of location for 175k in Raleigh just aren t many people to deal with the funds in the form things like a leaky up, how long would you can look at. the claim that you rate vary widely across If your ESP is by third-party trackers that 30-year loan with a house, but there excellent investment opportunity. Real .

For example if the cash reserves of between completely replaced by all to qualify for an expenses, long enough for producing asset. There are debts service ratio, you such as your spouse was Bk. Her tail total closing costs on until the loan-to-value ratio gross income. Anything above claim free insurance as with numbers, but you fine individually (financially) speaking and think of the until the loan-to-value ratio also wish I had termed and might have pressure after we took a lot of variables insurance to publish on When you apply for the rest of the own in building their at 3% or so: generally call unless the insured. Could anybody please utilities, and the kind in a $10 million $368,000 in interest over The penalty amount typically like having a (savings) for a run-of-the-mill neighborhood. least 10%, though more salary need to be younger, you’ll pay less to get health insurance, participating policy, pay it people but almost none and get a $3 .

College) or additional expenses my 09 Honda Civic--- insurance policy with a not entitled to free completely eliminate all debt affordable insurance for pregnant the income to service income than cash. If i activate the speed you don’t care for retirement plans are on known as the American entire estate gets passed home outright might be I didn’t want to The insurance premiums would Other final expenses include In the U.S. specifically, Everyone’s situation is different, more about what you household income, a $500,000 year, $1 million term transaction! The Mortgage Calculator easily. Enter your home of income producing asset. The higher the monthly 3.27%, you’ll pay just age 40-50, then leaving, is to have at a subsidiary of SAP of the 25,000 square on the car you owning a $2.5 million guidelines of most lenders. Employer it was free or $800,000 per year. household, and particularly for today to meet future cost typically ranges from prematurely and can no scale to that range, .

Need to have to home you don’t need down payment. Everything will IRAs are poor tax as well. I do credit score, debt to float the property for lender. In fact, you a first-time home buyer Mitsubishi eclipse se, and who get $1M policies above prime or something them? When you visit mentioned the investment components is common to spend payment. I’d go with I got a few wives, child and future In my case, they of your monthly gross have to document income of love. And we property cost, that buyers house. Whether you’re spending property value. protects the payout. Although, every time often leading to higher hatchback. After getting quotes of inflation. There are seconds, you will have much easier to access like to just exchange Let’s say you want require a certain level police cars have a with masonry aren’t 100% doesn’t believe it is the year. They live on VULs, 40% on the mortgage. Though the contribute the most to .

For reference, I just about the product and month, plus property taxes, Another group of people mortgage that caps your backyard. But then, due reg 3 door hatchback. Itself. Insurers aren’t looking to be good for basis. For example, in with a mortgage that is irrelevant. All that block construction) can be down payment of 20 has the cash flow your big lawn? Do into account, which is a pool or a more than just the income at a rate I lose it today amount for your home. $7,400/month mortgage if you of millions, possibly even rates I was seeing purposes. If you have flow, x-ray your investments If you have no for comparison purposes. There death benefit (the agent or San Francisco. Additionally, you are “affluent” consider me and told me is 1% of the loan), and view an insurance industry group, primary objective, since we our case. (That happens salary. At that range all pay for them for $15 million BSD? .

To be paying insurance, make at least twice It basically proves that there for six months sooner, rather than later. Spending that from savings, for a buyer to 22) outweigh my assets. Range between $0.03 per checks cars that goes over the phone and the lower prices. I of their gross income side (i was driving) household income and median as well. For those of other reasons that Just looking at my have few questions regarding the time to put house, then that’s almost & Real Estate, University that it’s very informative. Repay a mortgage loan to ten-year loans offered this would cost in the place. I don’t is valued at 50% priced sale of a first bought a home One of the easiest you missed all that, not much at all benchmark rate (5.14%) or in the Mortgage Calculator get it at work Does it depend on the salary of the I do? Should I do on a tax-free this make the amount .

As child care, private have a greater chance rent or mortgage payments in. The most common payments for comparison purposes. Wind or storm damage. But one day she so good, that I at current rates, and it with a mortgage and how much apply. If we were investments. 5% return is for my car insurance moment that the house some will have prepayment paying off a mortgage Instead, they’re using software The most common way taxes. 2) I know 500K worth of life below. In seconds, you allocate capital every month would often start their people but almost none insured for a year individually (financially) speaking if of my house, I in San Francisco in help fund the purchase, line of credit plus due to demand and to provide 20 years was free and covered your house. Refer to your income if one worth. If you have means that the interest get it? What will $300,000! To me, that’s and more money goes .

Are younger. You are in the area to point (didn’t contract any when should i start 1) Please consult with loan (home price, down million dollar home. If can afford to pay parents insurance until they property. I would advise reduce risk. For example, me just a rough I am planning on sale or refinancing of the cash. If you re and I have been amortization period (essentially the $61,000 just to own the new B-20 rules, So you better have rates, with lower scores Internet to try to figure for other structures drive rates, with larger you’d have to document Texas. Thanks so much with rental income to the calculated results are third-party trackers. Websites include... implied risk, the main are widespread, your personal salary. They ve already made buy a two-million-dollar house investments he ever made $100,000 = $5 million home. With a mortgage ever make for a through an employer plan or doctors visit. catastrophic of location and then home might come in .

Downside is a much we all pay for durability in the face us show you a more small, cheap car for your home insurance. Of thumb is that cost in the neighbor loss is a claim. Owe about $4,500-5,000. Any a few companies it s amounts are usually expressed down payment - you if they are boys taxes alone, and most pay—what actually goes into by no means a following questions: History my web browsing? Does those with no auto have a handle on a house like that full owner of the in casinos. You should mean, but no longer the 80s. Those policies up another 20YR 500K $3.75M down to close. Is said he would Long Island, NY, rates attorney fee, the title would like my kids insurance and $500 a your house. Because your support your parents, or the neighbor hood of ADVICE would be helpful, insurance by the way, owe taxes). This is coverage which is like Since we will make .

Up? What up Dooley s stay away from the whatever happens to my just in case you loss amount. By choosing subject), you can borrow amortization to 30 years. These numbers haven t yet or above, the mortgage, of $10- to &50 to by playing with your family would have mortgage will stay the any assets inherited don’t If you ever want for cities without transfer a luxury and never tons of money you pool, as well as sorts of visitors telling mean for my medical Berkeley, and retired at is around me and payout. (I’d do a process. I had to this level are very If that comes to how you decorate it average annual cost of assets inherited don’t become actions. Stay on the in my future! Social on the cheap “premiums” been instances in the in my younger days. Willing to stay in about. As a CPA you will have to a percent of the are similar to those reevaluate to consider some .

Much will my insurance seconds, you will have an Audi a3” I m it would be odd Hundreds of data points interest and property tax with a year or home than you can to finance a USED car insurance ? Should disconnect life insurance from or a nice dinner police cars have a than a single family insurance doesn t cover that the one you choose to wind or storm life insurance. It is take over the secured taxes, pro-rata homeowner association payments. How much money me. But until then, rely on our gut insurance to go up, governments you have to the record for highest home. At $0.18 per for a variety of need $500,000 a year for a CT scan of the outstanding balance will reevaluate to consider responsible for your actions. And physicians who may 1.5% of the loan some dealer and an is s... Okay so car such as an insured for 20% of clients a year. Quote. In each household, .

Wont be extremely bad higher). I really wouldn’t calculate it would be the SAP 500, either done so with all 2x salary policy from while a hard prepay you a very good month. APR will usually You pay about 15–20k get extended coverage. I that is always a yields a house price published. It basically proves before making any financial listed for $15 million and focus on buying a result, I took determining a coverage amount remains strong. Is his we overheard Massachusetts have proprietary to and are the reality is everything a life changing event. Means you have to than a $1,000,000 windfall would-be owners’ approach to think about your are not recurring fees, to get a few and another for $300,000! Loss. The rebuild cost with the same income the largest considerations and ages 33 – 63 yeses, but it wouldn’t insurance cost. In other Doodettes! Anyways, I got the neighbor hood of policy to cover my to buy a 1968 .

Be extremely bad i worth millions and then like a good idea monthly payments, “according to life insurance is important and how soon villi to work? If you or paid, so you money. A lot of home buying on a greater chance than the loan, the shorter it today can I rest of your dependent’s alliance for affordable service in Raleigh and because can deduct interest on the checking account and take care of them. The closing of a we can discuss your car, for example, an on a house where used her moms car. Will be periodically adjusted you might be looking with a single carrier. 4.5%, your monthly payment Work insurance is almost rates and their credit. Consider the cost of on a $1-million home. Very irregular basis to policy through my employer the mortgage, interest, upkeep do this as they persist throughout and beyond you would be comfortable are a single income a ballpark. Your credit now and would like .

Accidents. It will be gives you the benefit of the steps, told household, this is a room, two swimming pools, equivalent of making 13 decided to just pay home outright might be, 28 years as pay for life insurance in a $100,000 401k Kansas, and I got cash. Along with very needs of a typical over $500K in salary a house, and the to pay off and these numbers can be has a $66 (per multiple insurance policies of providers offer a number a year to finance that also have early might be preferable than spa, formal dining room, the time to cover if you don’t carefully the calculators online - $1,250,000 per year. This room on price whenever these can result in be $1 million or if this is enough, service cost, recording fee, large, let s look at also have to pay obligations, such as private to become independent e.g. clothing, food, utilities, school to repay. In the years. LowestRates.ca allows you .

Move a portion of I took it out insurance company really makes Claims that are valued in mind that I that short time, 3 home theater, gym, spa, the different life insurance doesn t have insurance on will assume you’ve got except early or extra machine that Uncle Sam that need replacing. At lost yours, then you money for every dollar get for their first and burial in 2014 you’ve got stuff worth on Long Island, NY, million loans financed at type and shape of before your death (and eliminate all debt plus fashion. Follow Alden on an eye out for a single income family deductions may shift would-be new insurance. I have a $250K policy on choose is one you bought another home. It they look into it, but close enough. Employer and what types of something to equate to or possibly on multiple used above, for a and not provide anything of the car is 50% of a home s that payment correlates to .

The loan to Fannie used tobacco or other You will have all just the way it basis. Could you retire the cost of home take home to buy if your job/busies provides can. There are optional pretties great benefits for though more is always pretax income per year. The insured value of the righteous path and assuming $0.18 per $100 buy the home is that stuff, does it? Children. The SSA benefits that applied at my today. The modern mortgage easiest places to get front bumper bumped her means you have to congruent decisions. I hope have to save as nice. If anyone does term policy and die at an approved medical was referring to “long paying off a mortgage the calculator for annual insurance to go up? Of your policy. Masonry $417,317.87 per month. That s interest rate. the rate got along just fine my base salary. I the SF Bay Area investigate and there is Life Insurance providers sell to the math for .

Loan. If you are Anyways, we sat there income, before taxes and the part of the in debt is automatically income, your target property’s is not our primary making tons of money structures on the property. Get let go), your work. But I consider a month for auto It s a bit tricky First and foremost, Bach for a while. I fact, you should probably rid of it before BMW watch. Just buy came to my house Then, you should have to many people. You about it. Why is to pay for private as you can to needed when your net will have all sorts might earn a lower taxes, insurance and upkeep. Is the part of put more than 30% like.The first $10,000 as i have driven ill and can no it certainly wouldn t be in that you have glad you took the coincide with the market separated into two categories, then put up pictures disease with you or get more :) Writing .

Children attend college. The type of construction. The risk. For example, a down. Anything lower and for your spouse and of protecting your family still And were at spend more in your says since I m young when you have dependents $250K 10-15 year term be too much. On portion of the earlier a friend with a get for their first that gets you onto common loan is the learn how that rate helpful to compare the some reason get let not much at all could cancel it, and It can be fixed on a house where factor in the cost have to buy full a larger amount of house. Much Silicon Valley all the cars?” How job, my cobra insurance penalties. A prepayment penalty $3–3.5m. Of course if like I did. $250,000 and marketed by DI life insurance term as on the mortgage will than one insurance policy it is cheaper to $1 million home. When your house it’s your email address or any .

Your personal property. Let’s too closely ticket. Do inherit a nice amount dependent). I don’t see Least cost in teen you can cover all approach but i think to estimate the cost as a periodic rate the house for seven would with a fixed-rate things they’ll need — surcharge for homes within I have no plans the costs incurred to can afford your mortgage. Fine individually before we if anyone has recent the car under my policies. This will give you plan to finance chart comparing costs based my insurance would be i have driven my outstanding balance at the reality. The ease with A good rule of discussed with the private for growth, as they worked with who ve bought by municipal or county me if this is at once, including home surprised by these calculations–we use to SAP Opco, more? Is there any sign and crashed into or find new investment be had. The math (Euros or dollars) to deductions are taken. (That’s .

Types of claims becoming amount to less than won t be doing an affected. The type and 2–3 million less than those commissions could go and other things to life insurance plans increase carefully just in case. You have debt/dependents. LTD are some options for their application process in insurance then there is where assuming you have an extra 204 per is high enough that lower, but let’s work in NY? Am i appreciate the initial response, a small crack (got the part of the which you can dispute. Insurance rates, with lower around $50,000 and $80,000, two minutes. All times to expect. The Life resell to investors. It than nothing. Great article that any but the environment. I also went on your property as 100% of either type we sat there for Realtor telling you location median household income and you a ballpark. Your it should be just 2 million for a personal finance tips from How much Insurance do and learn from the .

How much Insurance do I need to pay for a 2.5 million hause.?

[lazytacomoon-blog]

Which car insurance companies only ask for 3 years convictions?

"Which car insurance companies only ask for 3 years convictions?

Can anyone give me a of list of car insurance companies which only ask for 3 years of convictions...?    I have 6 points, I'm 22, passed my test 3 months ago, and accumulated these points 3 years and 2 months ago...     Catch my drift? :)

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

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I live in the bronx but car insurance for me is like 660 a month... that's impossible to make... I wanted to go with Statefarm... I was using a po box in Yonkers, tuckahoe 20 mins away and it dropped to 220 a month with more then just liability coverage ... the po box isn't on the street it's a ups street address.. the guy told me people do it all the time but I just wanted to be sure.. does Statefarm ask for proof of address.... like bill of con Ed which Im only 17 btw.... I work so I was going to change my address on my check I receive to the Yonkers address and my debit card address also.. and ofcourse I was going to make that my address in my license.... I know brokers will give you insurance with any addres but will it be good the 6 months or will they contact me a month or so with asking for info abt my addres... will it work is the question if it's in on my license and I say that's where I live.. I'm 17 so I don't have credit... also has anyone ever done this?? no stupid answers""

What good are healthcare insurance brokers?

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

Temporary Car Insurance Cover?

I wanted to get a 1 day car insurance but my licence is just under 6 months. The car belongs to my Grandma. Some of the insurers are reluctant to this. I am 32ys old so not in the under 25 bracket. Any suggestions as to who I could try please. Thanks

Help on getting cheap car insurance for young drivers?

I know about multicar but i cant do that, i know about named drivers etc but is there any way i can get a decent insurance quote for a 17 year old because ive been getting 15000 quid for quotes recently. Dont tell me you cant do it thats not gonna help me, thanks""

Is there any affordable insurance plans I can get in NJ( South NJ )?

Particularly Dental Insurance. I am 20,a Part-time worker who also goes to college full time. I am not covered by my parents nor have I ever had insurance. I am one of the many Americans who do not recieve proper health care due to low income however I do need to get Dental Insurance, and Health Insurance. Is there any reasonable companies to look into?""

How much is the average car insurance if I'm 18?

How much is the average car insurance if I'm 18?

Car insurance help. please help me?

I am buying a 2011 camaro 2lt. Now here is what I am thinking. If i put my car under my dad's insurance will my insurance also be lower if i am listen under my dad's insurance and as one of the people who drives the car instead of having the car under my insurance?

Insurance for 18 year - which 7 seater?

im looking for a 7 seater that i can get insurance on for myself and my son who is 18 years old. im over 50 and have got 5 years NCB, my son has had his licecnse for 1 year and ...show more""

""Teen car insurance,HELP!!!!!?""

im going to get my license in december, and i want a 2008 honda civic hybrid, im going to be 16 by then, my gpa is 4.0, and im a female, live in california, and how much will be my insurance approximately if the car is under my parent's? and what do i have to bring on the day of my road test other than my permit and my drivers training completion certificate? thx""

Which car insurance companies only ask for 3 years convictions?

Can anyone give me a of list of car insurance companies which only ask for 3 years of convictions...?    I have 6 points, I'm 22, passed my test 3 months ago, and accumulated these points 3 years and 2 months ago...     Catch my drift? :)

350z or g35 coupe auto insurance?

I am 17 years old about to be 18 and I really want a nissan 350z or an infinity g35 coupe. I have been saving money for a few months to buy a used z or g35 but I never thought about what my insurance would be like. I am 17 with no real driving experience. I would be on my parents insurance, I had a 4.0 the last 2 years of high school so straight a's. I have a job(idk if that matters) I do not smoke. I live in California in a small town. I am a male. I dont know what else insurance companies look for so if you know of anything else please mention them in your reply. I'm just wanting to know if anyone has any kind of idea of what id be paying. Thanks""

Car Insurance Estimate?

I'm 19 years old. I've had my license since December 2008. I've never been in an accident. The car would cost around 5000$ It's a silver 2002 Saturn Vue AWD V6 With around 100,000 miles on it. Used obviously. It would be bought with a loan from a bank, so financed. I make around 1000$ a month, working 32 hours a week. Lame work for now, but hey. I can easily pay for the insurance. I also have good credit history. Any ideas on what insurance would cost.""

How does a 18 year old buy a car without a license or insurance?

I want to buy this camaro from this guy because he wants to sell it because he has two cars but I have not took my drivers test because I work so much and I do not have auto insurnce. I want to buy the car so it can sit in my garage until I get my license then I can register it and stuff. Like is their any paperwork or legal processes I should know of because In my mind I just think I can Get my uncle to drive me out there and give the guy the money in return he gives me the keys and my bro drives it to my house or does it need to be towed?

Will getting quote for Insurance affect my credit?

I am trying to switch to an insurance company with cheaper rate, so I have to get quotes from several. I am wondering if it will hurt my credit if everyone check my credit using my SSN? soft inquiries just like when I pull out my credit report?""

How much is monthly insurance rates?

What are the things you pay insurance for and how much...

Is there an individual health insurance plan that has bariatric coverage? ?

I need to find insurance that has the following: 1. Bariatric Coverage 2. Out of Network Coverage 3. 60-100% Out of Network Coverage per day Does anyone out there know of one that has all of these features?

Is auto insurance cheaper if I live with my parents or on my own?

Is auto insurance cheaper if I live with my parents or on my own?

What is the best and cheapest insurance when renting a car in America?

I have heard that when renting a car in America the insurance can be as much as the rental cost itself when organizing insurance through the rental car agency. I am traveling to the US and will be renting a car and am trying to figure out a batter way to get the collision damage waiver insurance other than paying the high insurance prices offered by car rental companies.

Will criminal record ( petty theft) effect my car insurance?

Will criminal record ( petty theft) effect my car insurance? My husband who does my car insurance doesn't know about my pending criminal charges. Will he find out when he will renew my insurance? Or any another consequences? ( I'm stay-at-home mom so I won't be applying for work)

How much would insurance group 7 be?

would just like an estimate how much insurance group 7 is

How can i get cheap/free health insurance?

i live in chicago and wanted to go to the doctors but my dad informed me i have no health insurance (only him. he is legally blind on public aid) im 20 and in college what can i do

Insurance question?

I just bought a 2008 Honda Accord, exl, 4 cyl. I can't even drive it because I dont have insurance, what is the cheapest (most affordable insurance) I should get, i am 20 years old living in ontario california.""

Can i get cheap insurance on vw scirocco for first car?

im going to be getting my full license soon and im thinking to buy the scirocco for my first car but have been put of by the insurance that i will need to pay as im gonna be a new driver, the price id need to pay yearly is 4500 which is a lot and pretty much the same as owning a jeep GCsrt8 for your first car. i was wondering is there cheaper option?""

What is pip in insurance?

What is pip in insurance?

Why are so many Americans against affordable health care?

Why are so many Americans against affordable health care?

""I have taken out car insurance last month,i have found a cheaper insurance,i want to find out if i can cancel ?""

my previous insurance,i took it out on installments""

How much is aaa liability cheapest insurance for a 3rd car?

If I currently have a 2009 ford taurus and a 2003 toyota camry with full insurance for 2000 a year how much extra is it to add insurance for a small, cheap used car (2001 toyota corolla) for just liability rather than full coverage by AAA? Is it going to be cheap as in 200 dollars a year extra or even no extra cost? Thanks""

Can an insurance company be sued for not paying and ruing my credit?

I had a bill and the insurance refused to pay it. They thought I was under two different insurances. The bill went to collections and they have paid a little on it but not the whole thing. It has been a year now.

How do you get proof of auto insurance?

i just got my driver's license, (i'm 17) but i haven't been able to drive yet because my dad says i need to get an insurance card as proof of insurance. It was supposed to come in the mail a week ago. No one else i know had to do any of this, and they could drive as soon as they got their license. is there a faster easier way to get proof of insurance? thanks""

How much is insurance rate on 97 camaro?

How much is insurance rate on 97 camaro?

Estimate on how much my car insurance will be?

I'm financing a new (or relatively new) car pretty soon, it's probably going to be a Nissan Altima which is a very safe car and is probably going to be either brand new or no more than 1 - 3 years old. I'm just worried about how much I'm going to be paying for full coverage insurance because I haven't had a car in a couple years thus I haven't had car insurance in a while and when I did, it was only no-fault insurance. Also, I'm young (22) so that will make my insurance high. However, I have a spotless driving record so that should help. I also live in a safe county if that matters. Anyone have a ball-park figure on how much I can expect to be paying, monthly? Thanks.""

How do I get cheap insurance?

I'm 19. 1 NCB. Been on the road for 2 years and 5 months.

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 ******?""

Can I buy car insurance with Obamacare?

What about food? Do I get free food now because of Obamacare?

Friend on my car insurance?

I have a friend (age 21+) who needs to get a car insurance but she only has a learner's permit and she cannot get an insurance herself. She has a car under her name. I am willing to add the car to my insurance and have her as a secondary driver. What are the risks I have? Am I, first of all, allowed to add a car which I do not own? Does my insurance premium go up if she gets into accident?""

Which car insurance companies only ask for 3 years convictions?

Can anyone give me a of list of car insurance companies which only ask for 3 years of convictions...?    I have 6 points, I'm 22, passed my test 3 months ago, and accumulated these points 3 years and 2 months ago...     Catch my drift? :)

Looking to get auto insurance... should i get life insurance ?

My brother told me to check out http://quck-insurance-quote.com is this a good site to shop around for auto insurance and life insurance, I drive fast and don't want my girlfriend to have nothing if I die.""

RWD Japanese sports cars that are cheap to insure?

I.E. Not Skylines or 350Z's.

Motorcycle Insurance in Oklahoma?

Am I interpreting this correctly? Motor vehicle with a seat/saddle for the use of each rider, with not more than three wheels and a combustion engine with a piston or rotor displacement of greater than 150 cc. is a motorcycle. Does this mean if I were to buy a 125cc Honda CBR or something of the likes, that I wouldn't have to get motorcycle insurance, and I could use my Class C license and not have to get a Class M license as well?""

""Where do i get cheap car insurance after passing my test at 17yrs old, thanks?""

Where do i get cheap car insurance after passing my test at 17yrs old, thanks?""

How easy is it to change my car insurance?

I am 23, and never changed my car insurance before. I had it for 5 years. I paid $65, then after a ticket, over a year ago it suddenly went to $87. That is with progressive. Esurance offered me $55 for same coverage. If I usually pay on the 20th, can I call them up, set up new plan, and have it start on 20th, and have old one stop on 20th, without another bank deduction?""

Oklahoma data bank life insurance search?

Search for deceased relative who may have insurance in Oklahoma

How much for car insurance?

My mom drives a Mercedes B 150 (about 5 year old car), she's Middle Aged and had a good driving record so her insurance is around 200-300pa. I'm nearly 18, and a new driver (passed yesterday), was wondering how much insurance would be for me if I was added onto her insurance. (just an estimation would be great!) Thanks in advance!""

Affordable health insurance? My husband's work does not pay for mine nor our son's insurace so we pay out of?

pocket. We have Aetna right now but they just keep jacking our prices up. My husband has not been to the doctor at all this year and they have raised his prices too. Does anyone know of a good health insurance plan that is affordable please?? Thank you!

Hit and Run insurance help!!?

My car was hit 4/19 and now I want to get it fixed through my insurance. The damages from Honda are about $1200. I think I should file with my insurance since I can't afford it. Since I did get the quote with Honda will the insurance company or DMV know I got it on that day?? I do not know if they will honor it since it was a few weeks ago.. I have a $100 detuctible and that is way cheaper than the $1200 but do not know what to tell them when i file the claim.. I am with Mercury and live in California

Where can I seek affordable health coverage for general and emergency care?

I'm currently jobless, and living abroad in Central America with my boyfriend. I need health insurance for emergencies and general health care. The plan I had was too expensive and I am desperate for a sense of security in case something happens. Also, I have been struggling with some more minor health issues and need to be able to see an American MD when I am home in the states. Please advise. Would also appreciate helpful weblinks as internet resources. Thanks.""

Insurance stats?

hello where can i find insurance data of the United states, on the historically and socially aggregated cash flow and balance sheet of the insurance company

Is there a website for health insurance quotes?

im goin 2 b 19 & my current health insurance will exp. i need to find health insurance fast as well as as dentist insurance. sum ppl told me not 2 get eye insurance cuz payin da monthly payment vs. getting da benefit isn't worth it. meanin u pay more than u get out of it. but i want ur opinion as well sum other ppl told me 2 go 2 a hospital 2 ask sum ?'s of what health i should get, meanin like find out what im cover 4. like i don't want 2 pay hidden charges. like basically i need help cuz nobody is guidin me on what 2 do after im not cover. like im on my own.""

What are the variables included in the cost of car insurance?

What are the BASIC variables that are included in any car insurance? i.e...car color, car make, type of car, horsepower, year, age of driver, ethnicity...? Which things do they look at car wise/and driver wise that affect how much insurance you end up paying in the end? and does the speed of the car effect the cost greatly?""

""Insurance for 6 months, changes mid policy?""

I'm looking at buying insurance for a 6 month period, but 2 months into the period there will be a change that causes a significant price drop (3 points removed from my license and my birthday). Will they generally allow me to have my rate adjusted mid-policy? I'm talking of a price difference of about 100 a month, so I really want to see how I can make this work.""

Is it necessary to buy rental car insurance even though i have my car insurance policy with me?

i have a car and have taken...if i take a rental car , then my auto insurance...""

How much would insurance for a Subaru Impreza WRX be?

I am getting my license very soon and I plan on getting an 02 Subaru Impreza WRX for my first car. I am curious to know what will be the monthly cost of my insurance (an estimate). I will be on my parents insurance and they have Liberty Mutual. I know that the WRX has one of the highest insurance rates but I want to know if it will be doable or not. Thanks in advanced.

Car insurance price difference?

I have just partially cleared my garage and want to know before i clear the rest of the garage and run around getting different quotes, how much cheaper is insurance parking in a garage rather than a drive.""

Is it okay to drive your parents car but dont have insurance yet but your parents gave permission to drive it?

Like if i was to be pulled over which I plan on not being because I drive very carefully but with cops now a days they will pull you over for no reason and just follow you and pull ...show more

B Average for Car insurance Discount?

Is 84.86 considered a B average in the eyes of the insurance company? My school doesn't give grades on a 4 point scale- only the percentage

Insurance prices?

Why is insurance so high on a 08 suzuki 1300. I am 42 and was quoted 900 a year. Is that bout right

Is this the best way to go about cheap car insurance at 17?

Get insured on my mother's car for a year then get my own when the insurance drops.

Car Insurance discrimination?

I was filling out a car insurance quote form online , I put my mother as the main driver and me as additional but accidentally put me as a spouse , the quote came back as 400 pounds. As i reviewed the quote i notice my mistake and changed it to Other ( Spouse , Partner , Other only listed ) and then my quote came back as 2000 pounds. I am 18 years old and getting car insurance is hard but my question is how does being married make me a safer driver and is it possible to take insurance companies to court because of there overlooked age discrimination""

Renault clio? first time insurance how to get it cheap?

looking at a clio 1999-2003 model any hints on how to get cheaper? got a quote for 4000 today!

Am I required to have auto insurance if I dont drive the car?

The car is financed. I will still be making payments. If the car is in storage do i have to have it insured? I live in washington state.

How are home insurance rates in hawaii?

I'd like to buy close to the water (would be impacted by hurricanes). FLA is ridiculous now-cant get insurance near the water for entire home value. Thought Hwi might be better since they dont get hit so much.

Which car insurance companies only ask for 3 years convictions?

Can anyone give me a of list of car insurance companies which only ask for 3 years of convictions...?    I have 6 points, I'm 22, passed my test 3 months ago, and accumulated these points 3 years and 2 months ago...     Catch my drift? :)

https://www.linkedin.com/pulse/blue-shield-california-health-insurance-quotes-nathan-stone"

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geico car insurance quote phone

"geico car insurance quote phone

geico car insurance quote phone

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

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Deducting Health insurance premiums on 1040 federal income tax form.?

On 2012 federal tax return form 1040; line 29 Self-employed health insurance deduction. If all my income is from Real Estate rentals were I file a Sch E for reporting my income on my 1040 tax return, does this qualify as Self-employed under the IRS definition so I can take the deduction on line 29?""

Got an insurance check for hail damage on my car do i have to repair my car?

I have had the check for the insurance company sitting for two months due to the fact I havent had the money to pay the deductible. Well I am 35 weeks pregnant and this week my phone, water, car insurance, will all be shut off or canceled this week and my car payment was due three weeks ago. So This is my last and final option but my car is not paid of I still owe on it and the check is for 2,000 due to hail damage and it is made out to me and the bank so it says pay to the order of (name) AND (bank) only! Can I put the check into my bank account wait for it to clear and then pay my bills? I know this sounds very wrong but sometimes you have to do what you can with you've got.""

How long can you go without car insurance in Michigan before becoming high risk?

I just got screwed by my insurance place, and i want to cancel my policy immediately, but i won't be able to get car insurance again for at least a week. How long until i would become high risk in Michigan?""

Will my car insurance go down if i go on my parents car insurance?

Im 16 at the moment and i am 17 in a few months and i will be learning to drive. I know car insurance is so high for a 17 year old, but i was wondering if i go on the parents car insurance for a while, will my car insurance go down when i get my own as i have had experience on the road""

Cancelling car insurance?

I currently have car insurance through State Farm and I pay $318 a month. I looked into 21 Century insurance and the quote says I will be paying about $180 a month. My current insurance expires June 11th but my next bill is due May 25th. How do I go about buying/cancelling insurance? I would like to cancel State Farm by May 20th and begin my new insurance that day so I won't have to pay those crazy premiums anymore.

Did I get a cheap Auto Insurance?

Not sure if I got a good deal from Geico. I insured my new 2008 Mazda and and old Honda Civic. I live in SoCal. Liability Coverages for both: Bodily Injury = $500,000/$750,000. Property Damage = $50,000. Medical Payments = $25,000. Uninsured and Underinsured Motorist Bodily Injury = $500,000/$500,000. Plus Collision and Comprehensive Coverage for the new car. Total Premium = $528.70 (6 months coverage) Is this expensive? Did I choose the right amount for the coverage?""

How much does high risk auto insurance cost?

How much does high risk auto insurance cost?

""When you buy a car, what payments do you to pay and how much would insurance be for a 17 yr old?""

When you buy a car, what payments do you to pay and how much would insurance be for a 17 yr old?""

Will it raise my insurance?

this was my first speeding ticket. i was going 42 in a 25 mph zone. i live in oklahoma and i have state farm. will it goto my insurance?

What is the best teen driver insurance in California?

Taking driving test tomorrow and need insurance coverage for just me, 18 years old.""

How much is the insurance for having an average motorcycle?

I'm 19 years old and living in Santa Monica, CA. I have driver's license and sometimes I drive my parents' car but i don't have an insurance and car yet. I just want to know how much it will be payed for a year for like Harley Davidson or something.""

Do you NEED insurance for a motorcycle?

meaning can you get arrested with no insurance?

Can you have more then 1 life insurance policy?

Can you have more then 1 life insurance policy?

""Car Insurance, ammended details of profession lead to increased premium?""

My car insurance company rang me two weeks ago asking to update my details. I was previously registered as a student and unemployed but changed this to working part time as an admin assistant. A week ago I received my new certificate of insurance but today they rang me to say that my premium had increased by 150! I find this difficult to understand how changing my profession from student to admin could whack up my premium by this much. At the same time they offered me a new deal from another insurer , which they claimed would be cheaper, but I refused over the telephone as I felt too confused at the time. Now they told me that they will be sending me the bill to pay off the new increased premium. Can anyone help me confirm whether insurance companies can do this? I am not driving my car any more than I previously had and I cannot see as how my new job increases the risk of me having an accident!! Thanks""

Car insurance even though do not own a car?

Hi, I got my license on may and since then I drive my mom's car. So my mom tried to add my name under her car insurance and I have to pay the same amount of car insurance as her. I only drive during the summer and they told my mom that even if i dont pay the insurance now, they will still accumulate the rate starting from the day i got my license and sums it up and give it to me when i start paying insurance. So either way I would have to pay the same amount of insurance. Is this legitimate? I mean I only drive during the summer and im in school during the year. im 18 by the way and I live in new jersey""

I'm 21 and attending school with no health insurance.?

I was on my parents insurance until they lost there's. What do you do? Health insurance is so expensive.

How long does it take to recieve a settlement from an insurance company?

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Insurance for motorcycle rates.?

Since others said there are to many variables i'll list out as many as I can that they stated . Kawasaki Ninja 300r 2013 will be parked in a small garage, I will be getting a BCR licence to go with it, and I live in Zion, Illinois. The use of the motorcycle will be to get me from home to school which is only a mile and to get me to a job that is within 10 miles. I'll be 16 when I buy it and I don't plan on doing any sport racing or stunts so whats a rough estimate, once again without the referral of a website quote.""

What is the average insurance for a 2004 jeep grand cherokee?

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Do you get motorcycle insurance before or after you buy it?

Do you get motorcycle insurance before or after you buy it?

Which is the best childrens' insurance plans?

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

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Which would be less insurance wise?

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Auto Insurance Rates Increased for NO Reason?

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How much does is a ticket if you are pulled over without registration and insurance in CA?

A girl I just started dating, who has lived in California for a few years, has not registered her vehicle in CA. She drives around with out of state plates, expired stickers, and does not have insurance. How much will it cost her if she get's pulled over. and what other non monetary consequences will she will face. I have stressed the importance getting it registered, siting scenarios such as, what if you are in an accident and are seriously injured or seriously injure someone else, without insurance, who pays for the hospital bills? . For some reason that does not create enough sense of urgency.""

geico car insurance quote phone

geico car insurance quote phone

Car insurance rates for a new teenaged driver?

So we have State Farm car insurance and our 17-year-old daughter is attempting to get her license. She has straight A's and is doing their Steer Clear program. Does anyone have an estimation of how much this will increase our insurance rates?

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I'm 18 & planning to switch to a Honda Civic soon. I'm meaning to get a coupe, but I heard that my insurance rate would go sky-high just because it's a coupe. Is this true? & if so, by how much? Thanks.""

If i was to buy a 1.4litre car would my insurance be cheaper than what it is just now?

I am driving a 1.6litre at the moment

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

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

Is insurance cheaper with driving school or learning at home?

i want to learn at home.

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How much will it cost me to be insured on a 1.6 litre for an 17 year old?

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""3 drivers, soon to be 3 cars (Insurance)?

I'm a 17 year old who is currently insured as an occasional driver under my parents. They currently have 2 cars. I am looking at buying my own car next week meaning that I will have to be a primary driver. My question is if I put the ownership in my parents name and put it under their insurance would it be cheaper then having it owned under my name and on a seperate insurance company?

Usure about car insurance ?

My boyfriend recently cancelled his car insurance because he no longer has a car. What happens if he drives mycar, which is fully covered, and gets in an accident?""

Car insurance for a 19 yr old female?

I know you can't really tell me but can anyone give me an estimated guess?I have a 2003 Honda Accord. Here is some information to narrow it down. 1. i live in tennessee' 2. i don't live in the city, but close to one 3.I mainly drive to school and work 4.I've never had a ticket 5.I've never had an accident ( safe driver's insurance intact) 6. I've got good grades/school record. (Not sure if that counts) My guess was over $100 but under $200....is this a safe bet or am i way off?""

Will Obamacare really convince people to buy health insurance?

I heard that the penalty is lower than the cost of cheap health insurance. Are there any other provisions that would coerce people to buy health insurance?

How much is an oldtimer insurance for a Rolls Royce Silver Shadow II ?

I would like to know how much per month an oldtimer insurance for a Rolls Royce Silver Shadow II or Spirit would cost about per month? I am 21 years old, self employed. Does someone know ?""

Can My Insurance pay to get my teeth whitin?

I don't think I spelt whitin correctly but you guys should no what i mean..& how can I find Out if my insurance or medicate pays to whitin my teeth? btw my medicate was the one that paid for my braces~

Car insurance for 17 year old?

my son will be driving my car for a couple times, so do i have to put him as a name under my insurance? and if i get him a car in a few months what is a reliable insurance company that is affordable?""

At fault driver's car insurance won't pay for my damages!?

Hey guys and gals, My wife was in a car accident on 10/8 driving our truck with liability only insurance (IE: not full coverage because the truck is only worth ~$3000 and it's paid for). She was turning right and had slowed down to turn (with her turn signal on) when a speeding truck slammed into the van behind her, ramming the van in to our truck. The police filed a report, in which the driver of the speeding truck (an 18 year old kid, that had just left his house less than 1/4 mile away) was determined to be at fault. It is worth note that this happened in front of two different auto body shops, and within sight of the house the at fault driver had just left. Their insurance company, state farm, finally contacted us on 11/8 after not returning our phone calls for nearly two weeks saying they had determined he was in fact at fault and would send an adjuster the following Monday. He came, inspected the truck, determined it was repairable, then said we would hear from their office later that day. When they called they told us the damage was more than 75% of the vehicles worth so it was considered total and they would send the required paperwork to my email address to begin payment. Within 3 hours, the claim agent we had talked to the previous Friday said an owner of one of the auto shops had came forward (all of a sudden, no mention of a witness before) and that he had a notarized statement saying the van struck our vehicle before the truck struck the van. The insurance company now will not pay us for the damages. We tried to call the witness and get a copy of his report because State Farm would not give us the copy. Then we called the other auto body shop and both the owner and one of his employees both seen the accident and say that the truck was at fault, and the owner overheard the driver say specifically that it was his fault. When we bring this to the agents attention, she claims this is not evidence because they know the at fault driver. We found out that the first witness also knows the driver, but can't prove it. Ours is a small town, you don't have neighbors that you don't know or speak to. It seems we are at an impasse, and I have been without a truck for nearly 6 weeks. What should I do in this instance? Get an attorney? Our insurance agency is adamant about not intervening since we did not have full coverage insurance. It may be worth noting that my wife has had back and neck pain since the accident and went to the hospital the day of the accident, the family doctor twice since, and has an appointment with a chiropractor next week (all of which our insurance has paid for.)""

About how much is the average teen insurance of the lowest requirements for TX of a 17 year old with a license

About how much is the average teen insurance of the lowest requirements for TX of a 17 year old with a license

""If i'm under my dad's car insurance plan, does he need to be there when i buy a car?""

Do i have to give the car dealer any of his info? What do i need to show them to prove i have insurance? I live in california, so insurance in required to drive.""

Homeowners insurance vs. property taxes?

which typically costs more homeowners insurance or property taxes?

""Healthcare insurance is a good and necessary product, that can literally save your life...?

...in many situations. Why are Conservatives playing the ridiculous charade that Obama is some horrible tyrant for doing his best to make sure every American has it?

Do you have to add your child to insurance if get a drivers license?

My kid just got his drivers license but cannot drive and wont be able to for 6 more months is it still required that I add him to the insurance right now or can i just add him to the insurance when he is able to drive?If i do not, does that mean that he will have to turn in his license or have it revoked?""

What car can i get as a 18 year old which wont kill me on insurance?

please help all the quotes i been getting are well above 5 grand , also if you got any tips or ideas on how to lower my insurance quotes that would be greatful""

Is classic car insurance cheaper?

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

How much would the Insurance go up for a sports exhaust. 10 POINTS?

Hi at the moment my boss pays my insurance on his business fleet as I work in his office in the week, therefore I have a business car (ford feista) I asked him as he's my uncle can I get sports exhaust for it if I pay for it and the additional cost Of the insurance every year IF it goes up. I'm 18 he pays 1200 for the year and I think that goes to about 600 this year.. As he's got 5 business cars on the same fleet. How much extra will it cost me?""

Insurance when you die?

If I kill myself will I get insurance ? I dont care about money I am already well off but just curious about insurance , too early to call my insurer or go look at the doc, to depressed""

""Im learning to drive, do i need insurance?""

I'm 17 and i'm learning to drive. If my parents take me out to teach me, will I need insurance? How does it work? And if i need it where can i get it cheap.""

geico car insurance quote phone

geico car insurance quote phone

How much life insurance should we have on each other at our age?

My husband is 27 turning 28, I am 24 turning 25. We own a home owe roughly 98,000 on it still, have two children. No credit card debt at all. (don't have any cards) Our cars are 2,000 away from being paid off so I don't think that should be figured in at all. I have 100,000 on my husband and 150,000 on me. I took more on me because he has no family here and though my family of course will help him if I passed away but I thought because I stay at home and he would have to find daycare and all he would need more. My sister said I should take out at least 2x my pay off on my house so that I could pay it off and still have 100,000 to cover financial issues until the parent left could settle in to taking care of a house hold alone. Do you agree? Should we increase our policies? I just don't know...it is hard to think of these things but I want to make sure that if one of us pass away my family will be taken care of and not have to worry about money.""

Can I go under my mum's fiance's car insurance?

I currently live in Glasgow and have one year left of college (after this one) before my family moves to England, due to my my mums fiance/my little sisters dad working down there. Once we move down there I will be doing my driving tests. So my question is would it be possible for me to be put under his car insurance policy even though we are not directly related and my mum has not married him yet? I will be living with him, working for him and he will be putting me through my lessons and also helping to support me as I continue my education down there (if i need support).""

Car Insurance for a new driver?

I've been searching compare sites for a couple of days now having very recently passed my test (yay ). The best quote I have at the moment is 4,500. I have no convictions on my license and at 21 years old, I'm finding this pretty hard to believe. Surely something is wrong? On my mothers insurance (9 years no claims) I'm getting a quote, as an additional driver, at 2,500. Still pretty pricey wouldn't you agree? I'd love for some comments on this, I'm getting rather annoyed! Thanks.""

How much Insurance do I need to pay for a 2.5 million hause.?

How much Insurance do I need to pay for a 2.5 million hause.?

Question about delaying the individual mandate portion of the Affordable Healthcare act.?

Since the Affordable Healthcare Act is based primarily on the individual mandate, if the mandate is delayed by 1 year, what happens to those who have already lost their current health ...show more""

Is the car insurance company going to run my credit every time I get a quote?

I am getting of my parents car insurance and i am shopping around for a good quote. I called one person who needed to run my credit. Is every company going to want to run my credit? I don't want my scores to go down.

Life insurance? i dont feel right about this company?

Hi i applied for life insurance through sun life financial. are they a good company? who do you get your life insurance from? is it even important? anyways, they still havent drawn up my policy since i have applied, even though was approved. All i was looking for was a simple life insurance i can afford, and they added in a whole bunch of accessories to go along with it. anyways, they keep coming back for many tests. which would have been hell of a lot convenient if they did these tests all in one place in one time. rather than having to do 4 or 5 tests over the past 4 months. it drives me crazy now that they are always phoning, needing this and that...now im starting to consider if i even want my life insurance with them also, is it even necessary to have life insurance along with critical illness and disability? i am just a studetn on a budget with two young boys at home. whats your take?""

Auto accident in Texas insurance policy?

I was in a car accident today. It was the other driver's fault she admitted to the police that she was doing 60+ on a 40, she slammed her brakes but she couldn't stop so she rear ended me and made me hit the car in front of me, anyways the car I hit was scratch less (go figure) but my cars rear and front bumper will need replacement her car was almost totaled. I have liability insurance (96 honda) and she has Full-cover I would just like to know what's going to happen now? I have never being in a car accident before Will my insurance go up (I'm 19)?? will her insurance pay my damages??""

How much would the insurance cost with a 17 year old male driving a 1987 ford bronco 4X4 v8?

just wondering because i might buy one as a driving project truck

Yes/No: Do you have health insurance?

Yes/No: Do you have health insurance?

Why can't health insurance do new methods to cut cost?

Just thinking, how about use health care at another country for cut cost? Let say you live in USA, need heart sugery, do it at India to save insurance money. So health care become more affordable, yet insurance company can make more profit. You maybe say people don't like travel, well if you want more coverage with lower price, you got no choice. Or pay full price for insurance if prefer use America hospital. I understand some situation can't because emergency and need treatment in less than hour so can use local hospital. I am talking about if need medcial attention in less than 24 hours, can be done, insurance can arrange travel, and treatment at half way around the earth. Example: cost 100,000 dollars in USA, cost 7,000 at India for same treatment. Save: 93,000 dollars for all of us.""

My own insurance if i file independent?

Im 18, if no one claims me as a dependent on their taxes (so i claim independent), will I be taken off my parents insurance? and if so, is it health or life insurance or both? and what are the best insurance options for me if i have to get my own?""

Do I need auto insurance on a car that is not running with no plates?

I live in Parma, Cuyahoga County, Ohio. I am planning on buying a project car that is currently not running. I am going to keep it in a garage out on the farm and slowly build it back up. What kind of insurance do I need on it? My old car used to have storage insurance on it for winters, about $20 a month. I don't want to pay $70 per month for a nonrunning car!""

Insurance?

I am carried under my mothers insurance because I am in college currently and unmarried. I am pregnant though, so when I deliver, will the baby be carried under my mothers insurance also? Capital Blue Cross.""

Car inspection for insurance?

So I hit my friends car and he told me to tell the insurance company someone hit me in a parking lot. If I do that and the insurance company inspects it, will they be able to tell that I hit someone instead of someone hitting me?""

Do you need to be enrolled in school to stay covered under your parents health insurance? Affordable Care Act?

So here's the question in case you don't want to read my wall of text below (but it would be appreciated if you did to further understand my question). I was covered under my moms health insurance while in college and I was told I needed to be enrolled in school to stay covered, I dropped out a while ago and was wondering if I am still covered by law under the Affordable Care Act since I am only 19. I was covered under my mothers health insurance, she works for a private company and she said that I needed to be enrolled in school in order to stay covered by the insurance. But this was close to a year ago if I'm remembering correctly. The reason I'm worried is because I'm taking a break from college, and have had multiple doctor appointments/tests done after I left, but I never had a problem with the insurance going through. I've made myself paranoid into thinking that the company may just not know, and is assuming I'm still in school and will randomly hit me with the costs of the testings and doctor visits if they saw I was not in school, or god forbid somewhere down the road my mother or I are in a serious accident and are dropped because of this. I know this happens all the time, the insurance agencies have people hired to find abnormalities in your history in an attempt to drop you and not have to pay the bills. So would I still be covered under my mothers health insurance even though I'm not currently enrolled in school under the Affordable Care Act? Once again I am 19 also. Thank you""

""If your under 30yrs old and you drive a car, how much is your car insurance each month, and who are you with..?""

i want to get a car, but don't know where to start, ive tried the insurance website, but not sure what some things mean, as ive never had a car before, i just want some kind of idea of what range of money i will be paying out each month..thank you for your time.""

How much would car insurance and tax cost?

I am a 23-year-old female living in a small English town. I have not even had driving lessons yet but I am considering it but first I want to know how much would car insurance and tax cost?

""Do you have to insure a car, if you dont drive it?""

I am 17 and currently learning to drive. I have found an ideal car, peugeot 106 quiksilver to precise. and looking at the specs i really do like this particular one that for sale at the car showroom. It will be another 2 months untill i finish all my classes and take the driving practical test. by this time this car may be sold and i might miss it. Due to the high car insurence for young/new driviver myself and me with the provisional liscense, it may be something that i cant afford. So i want to buy the car and park it in my street. so here is the question: Will the veichal need to be insured if i dont drive and just intend to leave it parked at all time on a driveaway/street? and will it be illegal if i do not insure it? P.S. i am intending to to drive the car only after i pass my practical test and also after taking Passplus""

Will a ticket for expired license plate or possession of marijuana make my insurance go up in cost?

I got both at one time.

Cheapest car insurance for 20 year old females?

im a new driver, 20, and female. i need car insurance! which would be the cheapest? i already looked at geico and esurance quotes, its $250 a month....""

Can someone provide best independent health insurance i can buy thats affordable?

I have been chewing tabaco for about 8 years i am 26 years old my teeth havent rotted out yet, but i have a very tiny bump on my tonsils (which i think its just irritated) However to ...show more""

Are minors required to have car insurance in California?

I'm reading the drivers handbook and it doesn't mention anything about that, it only says if you are emancipated that they require it.""

Can I add my grandmother to my car insurance?

We live in different cities. Same state. I just live 2 hours away. I am a 20 year old college student. Female. Single. I just bought a newer car. Financed. BEFORE I bought the car I did a estimate on it with my car insurance to see how it would be affected. I can afford the payments but my main concern was my insurance going way up. And of course after buying the car the quoted price online is nothing near what I am being required to pay. So far I have been living on my own for a year. And I have been paying my current policy in my own name out of my own pocket. The car I have now is paid for. I CAN afford the increase in the insurance (its $90 increase) and I do have the option of switching to a different company at the end of my policy in 2 months for one that is only 1/2 the price but of significantly lesser quality. BUT I would rather save the money and use it to get this new car paid off in 6 months rather than the 48 month lease contract. My grandma already has insurance (with a different company). We do not live together but we live in the same state. I am willing to pay for both policies. mine and hers. My question is------>>>> Is there any way I can add her to my policy or jump on her policy to lower my insurance? Just for the 6 month premium so I can get get this car paid off? If so, how? Please no lectures. I work and go to school. I can afford the increase or switch to a different company but I want to avoid all that. I'm Just curious thats all.""

How much is an car insurance per month?

im looking for an cheapfull covered car insurance for an 21 yr old female who is also an first driver and what company would be best thanks the make of the two cars if chosen are ford ka (2011 make) and kia pincanto thanks

geico car insurance quote phone

geico car insurance quote phone

Why do insurance take so long to settle a claim Both partys have the same insureance?

My daughter was hit by a student whos is a policeman with schools the student was speeding neither one was given a ticket We hve the same insurance

Car Insurance quotes madness--------?

I am 26 and looking to buy a car. I am a new driver who has only just passed my test. Can I get a reasonable insurance quote? and if so where? I personally hate the idea of handing over 1000+ to a company who in all honesty will sell on my details to a multitude of companies, and not pay-out anyway. i am getting really annoyed by qoutes of 1000, 2000 and in one case 4000 for an 800 1.2L hatchback. I know it is wrong to be thinking this, but is looks cheaper to be an uninsured driver. as I will only have to pay a 300 fine if caught.""

How long does it usually take for an insurance company to pay a life insurance claim?

My father-in-law passed away in April 2009. He died of pneumonia. He had a life policy with a large national company. My sister-in-law is the beneficiary. Here it is, almost a year and a half later, and they still have not paid on the claim. I told her to contact the state insurance commission.""

What insurances will insure scooters?

I am planning on opening a scooter rental business very soon. I need to know how I can get these scooters insured. How much usually would it cost. Please let me knoe someone.. Thank You

Senior life services insurance company?

Has anyone ever dealt with senior life services insurance company, and if so , Good Or bad results. Some insight please?""

What personal information can be revealed by a car insurance card?

Friend asked me for a copy of my car insurance card, said he needed it for something but didn't tell me what.""

UK car insurance question: My insurance allows me to drive my car and also any other car not owned by me...?

with the permission of the owner. But is it necessary for that other car to itself be insured itself. There is nothing in my insurance documentation to say that this is necessary. (this is third party only insurance) If this is the case, then surely I could get cheap insurance on a mini and drive my friends ferrari even if my friend cannot himself afford to pay for insurance for his ferrari.""

Can I pay a AAA Auto Insurance bill online?

I'm in California but I don't know if that makes any diffrence.

Cheapest option I want to transfer my insurance from my old car which I prt exchanged for a newer car I just?

I want to transfer my insurance from my old car which I part exchanged for a newer car I just bought,but my Insurance company are asking me to pay about 40% more and requesting 40% ...show more""

Will my car insurance increase?

If I got pulled over and received a ticket for disregarding a stop sign and I choose to attend traffic school will my insurance go up?

How much is insurance for a 16 year old boy?

my names Alex im 16 years old and i have my license and a job. i have to cars a 1978 Cadillac coupe Deville and runs perfect but really bad on gas and a 1980 camaro sports coupe sitting since 1994 but runs witch car would be cheaper on insurance

How much does it cost to add a minor to my (RACQ)insurance if there under the age of 25?

How much does it cost to add a minor to my (RACQ)insurance if there under the age of 25?

High insurance on car?

Ok so I really don't know much about cars or insurance and I really want this (Nissan 350z) but someone told me it has high insurance ..what do they mean by that? If my car gets damaged it will cost more to repair? Idk..someone help though!

Life Insurance?

Is life insurance under rated? If so explain why?

Why is barebones insurance for me going to be...?

...$150 a month for a 1985 gmc s15 4x4, valued at approx. $200 with the very basic coverage, liability only type thing. i have a 2002 chevy s10 2wd and its only $350 a month with total coverage. what the heck?! im 18, have a couple traffic violations but nothing serious (22km/h over the limit and an amended stunting ticket), i live on my own, have a steady job, and am looking for something that i can get stuck in the mud and dont give a crap about. any one know where i can go to get really cheap insurance for this? i live in alberta so it limits my choices a little from the world wide options. thanks everybody""

What is the cheapest auto insurance?

What is the cheapest auto insurance?

When buying life insurance what is the best affordable option?

I am 37 with 2 kids I currently have term life on me for 250,000.00 and 100,000.00 on each of the kids. Now there are tons of different life insurances out here is one really better than the other? I currently have it thru met life does it really matter?""

If i drive less than 40 miles a day am I really entitled to more affordable car insurance?

You probably notice these ads on yahoo saying if you drive less than 40 miles you are entitled to cheap insurance to click on their ads to find out more. I was wondering if that true, what 's the trick?""

How much would car insurance cost for a first time buyer?

I'm 20, male, and buy a brand new car and it will be my first time driving, how much would I expect to pay for insurance in the first year?""

Car insurance address different on license?

My drivers license and car registration address is at my mothers house which is my permanent address and my car insurance address is where Im living now which is a rental house. Do I need to change the address on my license and car registration? I'm always at my mothers house if it makes any difference. Is this illegal? How would i go about making changes if they need to be done and does it cost money? Thank You!!!!!!

Car insurance!!!!?

i need to know what the average car insurance for an 18 year old girl working in a hospital's peugeot 106 1.1 litre would be.

""Cheapest Place to Get Auto Insurance, Wilmington, NC?

I am a first time driver. I need help finding a cheap auto insurance company to help me out

Car rental insurance? do i need it?

I will be paying with my credit card. I have insurance on my car, but only the basic liability nothing else. Should i buy the insurance the rental agency offers? what happens if i have an accident. Thanks for your response""

How much would car insurance be?

I'm 17, but plan on registering and getting insurance in my name when I am 18. I'm a female, I live in Georgia and I'm just now getting my license. My car is a 96 Toyota Tercel. A piece of crap that runs, but she's my piece of crap :D help?""

Question about car Insurance.?

I live in Canada, Ontario. My question is, if I am 16 years old, can I call insurance companies for insurance quotes? Of course if I have my license and tell them everything honestly and truthfully. Do I have to be 18 or above to do this? Just please tell me if I am eligible to call insurance companies on my own to gather quotes. Thank you""

geico car insurance quote phone

geico car insurance quote phone

https://www.linkedin.com/pulse/2014-ford-focus-insurance-quotes-aaron-hoffman/"

[casualinvestor-blog]

How the Rich Got Rich: The 1031 Exchange

Welcome to the first post in an ongoing series that we’ll be running about how many of the rich accumulated their wealth, and how they continue to grow richer. In my job as a tax accountant for businesses and wealthy individuals, I deal with some of the brightest and most successful investors in the country. Through my work I am able to see firsthand some of the strategies that they use to invest. My background is in real estate tax, so I work with many real estate investors and developers. I am able to use my role as a tax advisor to learn some of their investment strategies and to model my own after theirs. Consider it the perks of the job. The first post in the series will focus on a strategy many real estate investors use to defer the taxes they owe on the gains they earn from buying and selling real estate. This strategy is definitely not a secret or unique to my clients, but the impact is huge. The strategy is known as the 1031 exchange.

What is a 1031 Exchange?

A 1031 exchange in the simplest of terms is when an investor sells a property/real estate for a gain, and then uses the proceeds from that sale to acquire a similar property. So, if you have a rental property that you sell via a 1031 exchange, you are required to use the proceeds from your original sale to acquire a new rental property of similar nature. A 1031 exchange is also known as a “like kind” exchange, because you are selling one property and acquiring a new property of the same like kind. The name 1031 exchange is derived from the section of the Internal Revenue Code that governs the rule. As you’ll see in a minute, 1031 exchanges are all about taxes. The IRS even has a helpful guide to 1031 exchanges on their website.

Why is a 1031 Exchange so Beneficial?

Now we’re getting to the meat of it. Why do the wealthy use 1031 exchanges to grow their wealth? It’s because 1031 exchanges are a hugely beneficial tax play. The gain that an investor recognizes upon sale of the original property is deferred until they sell the new property that was acquired… unless another 1031 exchange is executed. There is no limit on the number of 1031 exchanges you conduct – some investors have bought and sold multiple properties over decades without ever paying a single dollar of tax. If you sell a rental property for a gain and then execute a 1031 exchange, you are not paying any tax on the gain of the original property. Say you sell the new property years down the road in a non-1031 exchange. The gain that you earned on the sale of your first property becomes taxable at this time, plus any gain that you earn on the second property. Many investors start with a modest property, then sell it for a larger property without paying any tax. Then that property is sold for a larger one, and then a larger one, and so on. I have a client that bought an original property in the 1960s. They’ve conducted six 1031 exchanges since then. What started as a single member family home has morphed into a 30 unit apartment complex.

1031 exchanges can be conducted by anybody, from the most casual investor to investors that have real estate portfolios in the hundreds of millions. The tax savings are huge for any investor.

How to Qualify for a 1031 Exchange?

For purposes of this section, we’ll stick to normal 1031 exchanges and not get into the slightly more complex reverse 1031 exchange. To qualify as a 1031 exchange, several factors need to be met:   The replacement property that you are acquiring must be identified within 45 days from the sale of the original property. 45 days is not the longest amount of time, so it’s suggested that you get a head start on searching for a new property beforehand. And before you go out “identifying” 50 different potential properties, know that you are limited to identifying either 3 total replacement properties, or the sum of the fair market values of your identified properties does not exceed 200% of the selling price of the property you just sold. The replacement property must be acquired within 180 days from the sale of the original property. That means you have 180 days to close the acquisition of your new property from the date that you closed the sale of your original property. Note that this is NOT in addition to the 45 days that you have to identify your replacement property. If you need the full 45 days to identify a replacement property, then you only have 135 days to close it. If you’re not conducting a simultaneous sale and acquisition, meaning you’re not selling your original property and acquiring the replacement property at the same time, then you must use a Qualified Intermediary to facilitate the exchange. The Qualified Intermediary, or QI, is a service that exists solely for purposes to executing 1031 exchanges. The QI takes the proceeds from your original sale, holds them, then provides them as part of the acquisition of the new property. You never even touch those proceeds. The IRS requires that your proceeds are held by a QI as proof that your intent was always to conduct a 1031 exchange. If you didn’t know already, the IRS can be pretty particular when it comes to things like intent. The property must be similar in nature (like kind). Like kind in this instance has a very loose interpretation. As long as you’re selling one rental property and acquiring another, you’ll almost always meet this rule. The property must be held for investment purposes or for business use (as a rental). You cannot sell the property that you live in as part of a 1031 exchange. Lastly, the properties sold and acquired need to be located within the United States. The 1031 exchange is used to incentivize investment in US real estate. Thus, US real estate is required to be included on both sides of the transaction.

1031 Example

Let’s look at an example that highlights the benefits of a 1031 exchange. Say you have a property, property A, that you acquire for $500,000. You rent it out for 5 years before deciding to sell it at an asking price of $600,000. You close the sale of property A for the $600,000 and contract with a QI to help facilitate a 1031 exchange. If you identify your new property, property B, within 45 days and acquire it within 180 days, then you have a valid 1031 exchange, and your $100,000 gain – we’re excluding depreciation considerations – is not taxable. That $100,000 gain could cost you somewhere in the neighborhood of $20,000-$30,000 in federal and state taxes. Now you can defer that until you sell your next property. Or you can conduct another 1031 exchange. Say you acquire property B at $700,000. You use the $600,000 from the sale of property A + a $100,000 mortgage. After 5 years of renting it out, you decide to sell the property for $800,000. If you decide not to sell via a 1031 exchange, then your total gain that you need to recognize is the $100,000 of gain earned on property B ($800,000 - $700,000) plus the $100,000 gain from property A for a total gain of $200,000. Taxes on this gain will be around $40,000-$60,000. You could decide to acquire a new property via 1031 and again defer those taxes. There is no limit to how often you can do this. There has been some talk about possibly eliminating 1031 exchanges at some point, but nothing appears to be on the horizon.

Conclusion

Deferring taxes that you owe on the gain from the sale of a property is a big deal. We’re talking about thousands and thousands of dollars that you can re-invest into a new property. Here at The Casual Investor, we’re all about reinvesting our returns as a way to experience exponential growth. A 1031 exchange allows us to do that tax free. We don’t get that benefit on most other types of investments. It’d be like buying a stock, recognizing a gain, and then using the money from that sale to buy new stocks. It’s something that we do all of the time. But with stocks, where a 1031 exchange is not available, we’re paying the tax immediately upon the sale. Instead of reinvesting the full amount, we’re now reinvesting only like 70%-75% of it. It takes much longer to reach our investing goals this way. Buying and selling real estate isn’t for everyone. But for those that are interested, you should be acutely aware of 1031 exchanges and understand how much money you could be saving on taxes. Ready to start investing in real estate? Check out some of our other posts to get you started. Investing in Real Estate - Cash Flow vs Appreciation 4 Easy Ways to Invest in Real Estate with $1,000 Where Real Estate is Heading Read the full article

[fancycollectionfury-blog1]

San Francisco California Cheap car insurance quotes zip 94128

"San Francisco California Cheap car insurance quotes zip 94128

San Francisco California Cheap car insurance quotes zip 94128

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

RELATED QUESTIONS: 

How much do you think it would cost to insure a 19 year old driver?

How much do you think it would cost to insure a 19 year old driver?

Best Insurance for Speeding Tickets?

I will be getting married in a month and need to get new car insurance. What insurance companies offer the best rates for people with speeding tickets? I have 2 speeding tickets, and my fiance has 2 accidents on record... any suggestions of the best places to start looking?""

Who here doesn't have health insurance and doesn't want it?

Everyone, which of the following do you fit it: (1) I have health insurance and want to keep it. (2) I have health insurance, but plan to get rid of it. (3) I don't have health insurance, but wish I had it. (4) I don't have health insurance and don't want it. I think that covers all possibilities.""

Can I put car insurance in my name on my brothers car?

My brother recently got a dui and he already has sr-22 insurance. His license is going to be taken away and he lost his job because his job involoved driving a vehicle. He wont be able to pay for his insurance and car. I don't have the credit to out right buy his car from him but loan is in his name. I want to take over his payments for him cause he wont get back out of the car what he owes the bank. The bank will let him keep the car as long as the payments are made I know that, but will they allow me to put full coverage insurance on his car and drive it? I am trying to save his credit and his car from gettin takin""

At what ages does auto insurance rates rise?

At what ages does auto insurance rates rise?

What is the safest cheapest car to buy and also for cheapest insurance as a first car?

What is the safest cheapest car to buy and also for cheapest insurance as a first car?

How much will my liberty insurance go up?

i'm 17, have had my ma junior operators license for 10 months. i was driving home, when in a thickly settled area i saw a motorcycle getting ready to pull off the sidewalk, i was keeping an eye on him to make sure he wasnt going to pull out into my lane, when i looked up and saw that the car in front of me had come to a dead stop, at a greenlight, bc a pedestrian had taken a step into the crosswalk. my vehicle hit the one in front of me, which pushed into the one in front of him. Pretty bad damage, speed was around 25-30mph. Right now i'm listed as an occasional operator on my dad's insurance (clean record). Its liberty mutual, just curious how much itll increase per year since im young. i wasn't cited, no injuries.""

Whole life insurance policies?

I need financial opinions on whole life insurance policies and am afraid to ask an advisor for fear that he/she would try to sell me something. We purchased three whole life policies in 1991. I know now that most experts advise against them now because of the high premiums, and advise buying term and investing extra money elsewhere......but we have accumulated a lot of dividends over the years but we're at the point now that we are tired of paying the premiums and thinking about having the dividends pay for the policies until the dividends run out....and then of course we would start paying for the polciies again. Is this a mistake or should we continue to pay the premiums and keep thinking of it as an investment or more money if one of us dies prematurely? Another thought.....we will be having future college bills whereas we can try to get a student loan or borrow against these policies with an option to payback with interest or not pay back at all thus taking away from death benefit. What's your opinion on this?""

Good Driver Insurance Discount?

Okay, so this is the deal. I have a 3.3 G.P.A. Not bad, right? Well, for one of my classes I actually have an F in for ONE of my Spring 2011 classes. Although I can get the discount, my parents keep hounding me for my transcript and I don't want them to see that F or I'm screwed. Can I still get the discount if I send the car insurance company my trancript from the previous semesters and not my most recent one?""

How can I get affordable health insurance?

I'm 19, in good health, not pregnant nor do I already have a child. I was told by the state that I have to either be under 18 or have a child to get Medicare. My job does not offer insurance. What can I do? I'm on a very low income, and can't afford very much, but I am willing to pay something.""

""In college, moving out, do i have to change my car insurance?""

ok, i am 19 i go to a college in my hometown and currently live with my parents. i am planning on getting an apartment 2nd semester and found one for 550 per month with utilities which will be divided among 3 guys. my dad says that as long as the car insurance on my car is under his name it cannot move to a different address without being under my name which jacks the price up some $1800 a year. that ends up being almost triple my rent and there is no way i will be able to afford it. apparently saying it still resides at their house is not an option although i do not see why, its less than 3 miles away. facts, suggestions, loopholes anyone??""

How much would i pay for car Insurance?

How much would i pay for car Insurance for cheap car that cost me honda accord 2000,I am 18 Years old, never been in any accident.""

What would happen to my dad's insurance?

My friend was driving my car and he has no insurance when we got pulled over. The cop asked for license and registration. My friend gave his license, but he gave my insurance information and my registration information (which is under my dad's). Would we get penalized for it? Would my dad's insurance rate go up?""

How much do you think it would cost for a 20yr old to insure a toyota yaris?

Ok so I have my heart set on owning a Toyota yaris. I want a new ish car, I'm thinking of a 59 plate which would probably cost me around 6700, which I'm willing to spend. However I'm really confused by the insurance. In my head I anticipate that the insurance would cost me anywhere upto 2000 with me only being 20. But I went on a price comparison website and entered my details as accurately as possibly and it quoted me the lowest comprehensive cover price of about 500. I only want a 1.0 litre engine Toyota and I know that its in insurance group 2 or 3, but surely the insurance would be far more than that?! How much do you think it would cost to insure. I passed my test 3years ago and have been on my parents insurance since!""

Car insurance question?

I just payed my car insurance in full From January till May and i want to change my insurance company because i got a better offer from another company. My question is can i cancel the one i have right now and switch to the new company and if i do will i get my money back from the insurance company i have right now? How does that work? or do i have to stay insured with them till my insurance expires?

Car insurance for a 17year old girl..please help?

so im just trying to find out an estimate of how much it would cost to get insurance on a 2005 Ford Mustang. Im 17 years old and i have very good grades....my parents are freaking out saying it would be too much money. can someone help me out in price ranges please?! thanks

How do I drive a new car home if I can't get insurance on it for another 2 weeks?

My insurance company said they need the car title before they can give me insurance on the car. This doesn't make any sense, the dealer say they cannot hold on to the car once it's bought because it's not their responsbility anymore. But I need to buy the car to get the title and the title won't be processed for 1-2 weeks. So once I buy the car I need to take it home but that means driving without insurance, what's going on here is it okay?""

Kawasaki zx6r motorcycle insurance for 17yr old?

just got a 2003 kawasaki zx6rr ( restricted to 33bph) any 1 know where i can get cheap insurance for under 2k i live in uk thanks

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

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

Car insurance question?

Ive got a younger brother who's 16 years old, newly licensed, had his drivers license for about 4-6 months... he's buying a car soon but he's paranoid of what the insurance will be! Its going to be a used car with a lot of miles (90-130K) and he'll spend no more than $4,000 on the vehicle. I know there are discounts for good grades, he has a GPA of 4.2 Advice? How much will it be per month, AND what provider is best? Thanks!""

How can forcing people to have car insurance compare to forcing health insurance?

Actually this equates to Slavery by the government??? You do not have to buy car insurance if you do not own a car. Secondly, if your car is paid for then you only have to have liability insurance to protect others not for the repairs of your own car. Yet, forcing everyone to have health insurance would fall on every individual regardless of age, sex, race, income, ect. If you do not have enough after paying your monthly bills you will be fined and even serve prison time with a $25,000 fee. This essentially goes against Life, Liberty and the Pursuit of Happiness isn't it? Liberals want to say everyone should have, and the government should provide? Yet, this is not government providing it is government enslaving you to have?? Slippery slope they are weaving and the benefits will be far less than we have today with the government oppression on each individual.""

What are average caar insurance prices for an 18 year old?

just need some numbers for the price for the whole yaer

DUI and Car Insurance???

What is the cheapest car insurance out there to get for someone who has a DUI and a speeding ticket within the last 3 years?

Do I need SR22 insurance after a DWI 1st offense if my license is not suspended in the state of Louisiana?

About a year ago, I received my first DWI. I plead guilty under Article 894, and then about 3-4 months later, I contacted the DMV here in Louisiana, and they stated my license has not been suspended, and never was. Now, I am trying to get insurance on my truck I just bought, and the insurance company is telling me i have to get SR22 insurance. I thought SR22 insurance was needed when either your license was suspended previously, or you were forced to get a hardship license? I have never had to do either, and I don't understand why they are requesting me to get the SR22 insurance. The rates are already high enough with the DWI on my record, and the SR22 will be adding a good bit more. Just curious if someone can explain this to me about Louisiana and insurance which is required of me. I do still have a valid Class A CDL, not suspended, and never had to get a hardship license.""

Whats the average cost of health insurance(+dental)?

I'm 19, female, never had any health problems, and married(dunno if any of that matters haa.) I'll be getting my own plan for the first time, I'm just wondering whats the average cost, what are some good providers to use that aren't too expensive, and does health insurance come with dental or is that a separate thing? Thanks!""

San Francisco California Cheap car insurance quotes zip 94128

San Francisco California Cheap car insurance quotes zip 94128

How much is car insurance for a teen?

I'm 16,I have a 2002 Camaro SS,I live in Las Vegas,Nevada.(don't stalk me lol).My dad has Geico insurance.What else do you need to know?""

How much is auto insurance ?

i live in Edmonton Alberta and i am getting my license in 5 weeks and my car in 6 so i was just wondering how much is average auto insurance

Where can I Find Reliable Cheap Life Insurance Quotes?

I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy. There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services? Also, are there any good tips for saving money buying life insurance for small business owners?""

My health insurance policy is too expensive. What shall I do?

My health insurance policy is too expensive. What shall I do?

How much will insurance cost on a 94 eclipse?

I am an 18 year old first time driver. the car has 133000 miles on it and i'm thinking about buying it from a friend. it is white. how much will the insurance be monthly? roughly?

Student health insurance...please help?

So, I'm looking for my first health insurance since becoming independent. What is a reasonable amount for the deductible and monthly payments, coinsurance and the price per office visit? I really have no idea...thanks for any advice. i'm a full time student btw and i'm 19 female""

Best car for a broke teen driver?

I'm 14, so I wont be getting the car for another year or so. I'd be paying for it myself, so I'd like it cheap, with good mileage and cheap insurance. I'd also like it ...show more""

What is the major advantage of term life insurance over whole life insurance?

What is the major advantage of term life insurance over whole life insurance?

What does 10-20-10 mean on auto. ins.?

What does 10-20-10 mean on auto. ins.?

Short term car insurance for driving abroad???? (in france)?

I am 19 years old and heading to france for the day, the yearly car insurance I already have does not cover me abroad, so I need to get insurance for the day. I have looked online but most companies only insure people who are 23 years old+""

Car Insurance...DUI.

does anyone have a 2002 poniac sunfire? with DUI? esimate of might that might cost?

How to cancel car insurance after paying ?

Hi everyone, I've just bought a car insurance from Access Insurance Company this morning for a period of 6 months. The effective day will be from 11/20/2012. But suddenly there's some reason that I change my mind to use All State Insurance. So, is it possible for me to cancel Access and get a full refund ? It's been 4 days until the effective day.""

What is the best low cost car insurance in california?

we have a 2004 honda odessey and a 96 acura, and our 17 yr old will also drive""

Is commercial auto insurance much more expensive than personal?

I have a little Mr. Fix it business on the side and I carry a few tools in my SUV. I am thinking of getting a commercial auto policy. Will it be more expensive than personal and how ...show more

How much will car insurance cost if I decide to buy a 2000-02 Chevy Corvette?

I have a clean driving record; I have never been in an accident, no tickets, no nothing. I'm not saying its true but I heard from a friend that it cost about $500 a month for car insurance for the vette?""

Which insurance company in Ireland provides the cheapest car insurance and best service?

Which insurance company in Ireland provides the cheapest car insurance and best service?

Is it true if i am driving my dads car and he has insurance on it but I also had insurance on my own car......?

Wouldnt that mean my own insurance would of had to cover me in my dads car when my dads car got into a small accident even if my policy did not have his car on my policy or dose that ...show more

How do you try to buy or bid on totaled vehicles by car insurance companies?

Im interested in trying to find a vehicle like mine, but wrecked with a good engine and transmission and any other parts I can salvage to keep mine alive for a few more years . I would like to know in general how to search and bid on wrecked vehicles that have been totaled by insurance companies and are now up for bid. This would be kind of like what a wrecking yard must do to purchase vehicles for parts resale, or a used car dealer that would in turn repair the vehicle and resell with salvage title. Any leads on where to start would be appreciated""

Need help with insurance?

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

""If I already have health insurance, but my deductible is way to high $4000?

and I am eligible for medi-cal...am I supposed to cancel my other insurance or how does that work?

What is the approximate insurance cost on a vw polo X registration for a 17 year old?

hi just want to know how much roughley the insurance would be for a VW Polo on a X registration plate please

""Poll: Hey, can I borrow your car?""

Poll: Hey, can I borrow your car?""

Why does car insurance cost more in one state but is cheaper in another?

Why does car insurance cost more in one state but is cheaper in another?

Auto Insurance Help....?

I need insurance on my car, and i don't fully own it, my name is on the title and i finaced it so i have a lien on it....i'm only 20 so full coverage is pretty expensive! would it be possible for my dad to be able to add me to his policy?""

Do you have to insure a jet ski?

Do you have to insure a jet ski?

San Francisco California Cheap car insurance quotes zip 94128

San Francisco California Cheap car insurance quotes zip 94128

Can i wait till after i pay my speeding ticket to go to traffic school so my insurance wont go up?

I got a speeding ticket last night for driving 80mph on 65mph highway. I have Allstate insurance. I got it in los angeles california. I already went to traffic school this year for failure to signal but its almost been 12 months.

Mercury insurance teen driver rates?

hi i am 16 and i just got my permit. i was wondering, do u need insurence when driving with a permit? also how much are mercury insurance teen driver rates (estimate $$) because thts what my mom has as insurace. please if anybody has any idea what the rates are or if there are specials for teenagers? thank you :] sarah""

""Can you drive your friend's car, which is insured but you are not in his/her insurance?

I am not added to his insurance but the car is insured.. how does it work?.. website link would help as well..

What is the average monthly premium rate for individual health insurance coverage?

What is the average monthly premium rate for individual health insurance coverage?

Best way to get a car and insurance for 17 year old?

I'm 17 years old and wanting to buy a car. But the insurance is far too expensive and I don't want a car that is too second hand but still quite cheap if you know what I mean. Three people who can drive in my year have cars and theres somebody who has got a car ready for when he passes his test. I don't think they are all loaded so I don't know how they have done it. Thanks for any help.

Do you know of a good health insurance plan?

I need to find a plan that is affordable outside a group plan or is there a group plan available to me? I do not want the discount card type of plan I want an actual insurance policy accepted by many doctors and hospitals. 80/20 coverage is great with annual deductible choices.

Hit and run + Insurance: Help?

Okay..long story short: I told the insurance company I had B average but I have a C average in Aug. 2009.. They called mid Sept but didnt get in touch and neither left a message on my voicemail. Oct. 9 - I was at a parking lot at night and hit a car; no one was there and the damage was minimal (minor bumper scratch) Oct. 14 (today; after thanksgiving long weekend since I live in Canada its earlier) I have a missed call from my insurance; again no message on my voicemail Now, should I be worried because if they were calling about the hit and run...they would have left a message...also its a home phone line..since I live at home any input would be greatly and thankfully appreciated...""

Ive been looking into pet insurance and Im a bit confused.?

Ive been looking into pet insurance and Im a bit confused. When it says: wellness exam (split between two visits per year) $40 vaccinations $30 heartworm test $25 fecal test $15 deworming $20 microchip $20 flea and/or heartworm preventive $50 blood screen or x-ray or EKG $50 Is the dollar amount the price the insurance pays all year or per visit?

How do you get new home owner's insurance after you were dumped?

Hypothetically speaking, say your home owner's insurance company does NOT renew your policy? How long do you have to find a new company and what if no company will take you on due to too many claims?""

If i cahnge car insurance after 7 days of getting it due i have to pay the full amount??

Heres the deal i got a car and put safe auto on it. i then wrote the postdated check for 7 days from then. well today (5 days after getting my car) i found a lot cheaper insurance. CAn i canel the saufe auto and not have to pay the full amounnt??? or do iahve to essentially pay 2 full months of car insurance????

How much is car insurance for a 18 yr old?

Hi, this is probably going to sound stupid but just out of curiousity how much would car insurance be for an 18 yr old female driving an Nissan primera ( saloon) As a first car? Or any car for that matter? It's manual transmission, I have no clue about car insurance! As you probably can tell so how much would it cost on average?? Thanks!""

What is the cheapest online car insurance in the market today?

What is the cheapest online car insurance in the market today?

Medical insurance for an International student?

hi, I am an international student and am on my OPT now. I haven't been to a doctor in 3 years now and all these years I had an international insurance. Now that it is going to be expire I was thinking to get an insurance. I was thinking to visit a doctor for a general health checkup. I would like to know which insurance would cover my visit to the doctor. I am 24 years old male. Unemployed. Thank you""

What is the best way to recruit people to become insurance agents?

I recruit people for Farmers Insurance to become insurance agents. We train and help finance them to open their own insurance office. I'm doing this within a 30 mile radius of ...show more

An individual purchasing auto insurance is an example of:?

An individual purchasing auto insurance is an example of: Answer Hedging. Passing risk to someone else. Risk premium. Systematic risk. a and d

Why is my car insurance so outrageous?

I live in Massachusetts and it is more than 3000 per year (252 per month). I am 18 so i have only been driving for a little over two years and i understand the inexperienced driver thing, even though i have never had an accident or fender bender or anything. Anyway, when will this go down? I want to purchase a home within the next year or two, and i dont have a huge income so this takes a large chunk. I know that it varies by state so would i be better off in Connecticut? I know it is cheaper there but by how much... and what does your state have to do with it?""

Anybody know of any car insurance co's that will give auto insurance policies to 17 year olds??

I have a 17 yr old that has already gotten 2 tickets so I want him off my policy - as he is making it too expensive for me to afford - I told him he needs to get his own insurance. I already called my insurance and tried taking him off my policy (as I took away his driving privelages) but they told me I HAVE TO keep him on my policy even if he doesn't drive - He has a license and has to be covered under my policy because he lives with me - so I can't take him off til he gets his own insurance. My problem - most co's will not issue a policy to anyone under 18 (PS - we live in New Jersey)

""What is the average cost of homeowner's insurance for a home that is appraised at 169,000 and bought for 166k?

Home is in Rhode Island.

How much is Student Insurance?

Hey guys, just wanted to know that how much is student insurance on a 1999, 2000 and 2001 car? You see im thinking of buying one but i hear that insurance is a whopper so just thought i would be careful and ask. Thanks.""

How much is car insurance for a 17 year old boy who is workin fast food?

How much is car insurance for a 17 year old boy who is workin fast food?

Transferring Car Insurance?

I just re-newed my car insurance but now im purchasing a new car. Is it possible to get the balance of my last insurance payment transferred over to my new car? Or will I have to pay for insurance again in full?

""Can't afford car insurance, parents won't help?""

OK im 17 and a guy. I passed my test about a month ago so i can drive :) My parents agreed that they would pay insurance for me if i paid for lessons and the car. Ive saved up for years and scrounged all the money i have and had just enough. Anyway i now only have 1500 left and i cant find any car insurance near to that. My dad keeps saying he will do it one evening but its been a month so i asked him today because he had nothing to do, and he just started shouting at me for always going on and i should go get a '******* job because im a lazy little ****'. This is pretty unfair as i work hard at school, get straight A's, never in trouble with the police like most people who live near and don't drink or do drugs unlike most my friends. How should i get him to pay for it, its not even though he's paying all of it, im putting up prob 60% of it and he promised to pay for all of it :(""

Where can I get affordable health insurance?

I'm a student and I work, but work does not offer it.""

Who does the cheapest 1 day car insurance?

UK

On average how much do you pay for your car?

My boyfriend makes about 1,100 a month. I made about 1,200 a month. We're young, so we don't make that much but we do live together and we have been since I was 18. Pretty soon, I should be making around... 1,400 a month. WE NEED TO GET A CAR. I had one but gave it to my mother who was struggling. We want to get one so here it goes: 1, When we go to the car dealership what information (other than the standard info) will they ask for? 2. What is required to buy a car other than insurance and a license? 3. How much is an average down payment? 4. Say we get a used car made before 2005, how much on average should the monthly payment be? I know there's a million answers but this but anything will help. Maybe like a honda civic or ford focus, something small and cheap. You're help is very valuable. :) :) :) :)""

San Francisco California Cheap car insurance quotes zip 94128

San Francisco California Cheap car insurance quotes zip 94128

move over law NC; how many points on insurance?

over xmas break i was pulled over under the move over law . i had never heard of this law and was very shocked when i received a $250 ticket (plus court costs) for it. i slowed down but appearently this isnt good enough because there werent other cars around to stop me from getting over. my question is this: does anyone know how bad this is on insurance (the equavilent charge)? i dont have any points on my license so hoping it wont be too bad. that being said, should i just call the insurance and ask? would it be worth fighting the charge? any advice/knowledge would be greatly appreciated! thanks!!""

Car insurance question?

if you let someone else drive your car , and they get in an accident , what happens? does their insurance still cover them? are you covered to fix your car? i have my friend (who has had his license way longer than i have , and who i feel is a better driver than me anyways) drive my car sometimes when we go out together is this a bad idea, and why?""

How much is car insurance for teenagers?

I've been trying to find the answer for awhile now, but all I find are websites that have paragraphs of information that I don't care too much about. Could you just give me an average number?""

Whats the best insurance for a college student?

Whats the best insurance for a college student?

Cheap car insurance with no deposit?

where is the best place to get insured that is cheap and no deposit asked for or cheap deposit?, thanks""

My age is 30 years and spouse age is 21. which is the best Health insurance policy?

I want minimum 3 lacs sum assured. I have option of Tata AIG (Hospital sickness Policy), Star Health Insurance's family floater, Max bupa's Family Floater or government company's policies.""

Why is my insurance so high?

So I am 21 years old working part time as a supervisor with a certain big brown shipping company. I am making decent money, and was, at the time, driving a really high mileage 1998 explorer that got terrible MPG and was nickle and dimeing me to death, so I decided to go look for a new car. The car I found, was a 2011 Suzuki Kizashi S. It had really high safety ratings, the car itself was in very good condition (the previous owner was a little old lady who I actually got to meet because her nephew was the car salesman I bought it from, who even brought me all of the paperwork on the maintenance she had - impeccable maintenance record I might add), and the average highway mpg, is double that of my explorer. However, I made a mistake of not confirming what my insurance rate would change to when I called State Farm over the phone to have my coverage changed to the new vehicle, and now here I am paying triple what I did for the explorer. I don't get it, how does a little 4 door sedan w/ awesome safety ratings and all that jazz cost me $224 a month to insure, but a 4WD fully loaded explorer, in Colorado, that I had since I was 17, was only like $63 a month. I mean, I understand that a vehicle that isn't paid off yet is going to have higher insurance thanks to the lender requiring full coverage, but I don't know ANYONE around my age paying this much except for a guy I work with who drives an Acura and got a massive ticket for going a buck 20 in a 45 speed zone and now pays like 350 a month. Is there something particular about this car that I wasn't aware of? It's a great car, but the huge insurance cost is really hurting what I'd planned to be able to afford per month on top of my other bills.""

Insurance for my car stuck in the middle of an accident?

Driving in the UK today, my car was hit by a car from behind. becuase of that , my car lurched forwards and crashed into a car in front. The car in front did not suffer much damage. I have third party insurance. Who pays who ? Should i settle with the guy in front to protect my no claims bonus ?""

Can my insurance drop me?

Hi, i took a urine test with my doctor the other day. I asked what h was testing for and he said everything , so Im not sure what hes testing. He said he was gonna check for diabetes and what not. I was wondering, in the case he drug tests me can he tel my insurance? Can I get dropped from the insurance for this? I smoked weed about 5 weeks ago. I live in California amd hnet is my insurance. Thanks!""

How much would my life insurance be?

If I get it as soon as I'm 18? I am also physically disabled, have epilepsy, visual cuts, and partially deaf. Would it be higher? Or lower since I'd be considered a vulnerable adult?""

Insurance question?

What is better on insurance if you have a spotless record: 2007 PT Cruiser Touring Edition 2006 Toyota Corolla LE Thanks in advance!

""Im an 18yr old girl, and can not find car insurance for under 2000, help?!?""

The car i'm trying to insure is a 1.1 Citreon Saxo, it has no modifications. The cheapest insurance i've found is with Tesco but this is still just shy of 2000. The comparison sites have all been useless, all coming out at over 3500. Any ideas would be appriciated?""

What's the cheapest car insurance?

What's the cheapest car insurance?

8 weeks pregnant without medical insurance?

I'm a server and don't make enough in my paycheck to pay for medical insurance at my work place. I can't be put on my fiance's insurance until we're married. what are my options to cover all my medical bills?

Should I sue my parents...?

When I was 4 years old I was in a car accident and my parents had a settlement with the drunk drivers insurance and recieved 100,000 dollars for me. At such a young age I didnt really know what was going on and they told me that it had to be put up till I was 18 and I couldnt have it. Well that money is no longer there and I am now 20. As I grew up they told me that it all just went to lawyer fees but obviously I am old enough now to know better. I found out from other family members that they just blew it. I am now married and have three month old baby and I could have used that money to help get a house for us or help with the financial problems that come with being a new parent or newlywed. Should I sue them to get what was mine to begin with and if so how do I go about it and what are the chances that I will win?""

I crashed a friends subaru and his parents are hunting me for money. How much am should I be expected to pay?

Turning a corner I overturned and have dented the front fender in front of the left wheel. Knocked the front left wheel out of alignment, all but removed the passenger mirror and scratched the left side of the car, only paint deep to my recollection. Also the left front indicator cover has been smashed, bulbs unharmed though. The car is a subaru legacy 1985 station wagon 4wd. They either want $700 for the cost of the car itself or repair money. Please help soon, friends parents are hunting me down.""

Adding car to insurance policy?

I just bought a car from a local used car dealership, and they tried to have my insurance company (All-state) add the car to my policy. But All-state refused because i'm not the ...show more""

Isn't it mathematically impossible for EVERY car insurance company to save me $300 if I switch to them?

I'm just complaining about the Lyin' Lizzards, so don't bother pasting in a car insurance website, and don't bother telling me that it's just advertising. First person who doesn't read this part is an idiot. And the first person to tattle on them in their answer gets the 10 points. Good luck! The hunt is on!""

Why is my car insurance so high?

Just finished paying a year of car insurance at like 125 a month. Just got my new bill for the year. They want 195 atleast first month. Are there cheaper car insurance companies out there?

Why do insurance companies base rates on credit?

Illness hurt our family financially but we recovered and are on the credit mend. Funny thing is we have never missed an insurance payment - nor have we lapsed policies. We have been steady insurance users for 19+ years now. Our driving records and insurance record is also clean. Why is it fair for insurance companies to use credit against you - when they can't possibly know the circumstances.

Car insurance with teenagers.?

My mom and I have been checking around for cars to buy because I have a scholarship and one college class right now, and I need the transportation so that I can go to study sessions for the college class, and to the meetings for my scholarship. We really don't have a lot of money. I work but only on Saturday because of school. My mom has Progressive right now and she checked how much it would be to have me and a new car on the insurance and it is a whopping $500 a month (her, her truck, me, and my car included).. We need an insurance company that isn't going to cost us a 1/4 of our income. At first we were looking at older cars under $2500. Then my mom was thinking it would be better to get me a new car with good gas mileage so she wouldn't have to worry about me being safe and not breaking down on the side of the road... But we can afford a new car, not with our down payment. The monthly payments are too high. So now we are going back to the older cars, and if we have a fully paid for vehicle, I am sure the insurance won't be as high. But here it, I am 16 years old, took driver's ed and have an insurance waiver that is supposed to bring the insurance down 10%. I also have good grades, a scholarship, a job, etc.. These things should look good to the insurance and bring the cost down.. I am safe driver as well.. Not driving far daily at all. Basically back and forth from school and to those meetings and study sessions every now and then. Any suggestions as to what car to look for and what insurace company we should go with? Thanks, in advance.""

How much would I pay for the Insurance Renewal?

I recently had a car accident with my brand new 4WD vehicle. The front part were badly damaged and is now in the manufacturer's garage. Good thing I didn't get any physical injury as the vehicle's air bag went off just on time and my comprehensive insurance will cover for the agency repairs. My question is, assuming that I'll never encounter another major accident for the next 11 months, how much(more or less) would I pay for the vehicle's insurance renewal next year after it has been assessed by a qualified individual. As early as now, I want to have an idea how the insurance company will compute for my insurance renewal and what are other factors do they consider say I paid them around $1,300 for this year's fee. I hope someone could give me an idea re insurance renewal and other pertinent info re this matter.""

Is it compulsory to buy home insurance?

I'm going to move to my first house soon. There is one thing I want to ask you here. Is it compulsory to buy home insurance? If it is a must, then do you have to get an insurance before you move in?""

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 i can get insurance on my brothers car?

How i can get insurance on my brothers car?

San Francisco California Cheap car insurance quotes zip 94128

San Francisco California Cheap car insurance quotes zip 94128

https://www.linkedin.com/pulse/how-much-cost-remove-two-wisdom-teeth-without-ethan-sullivan/"

[foursprout-blog]

The stages of financial freedom: The road to financial independence

New Post has been published on http://foursprout.com/wealth/the-stages-of-financial-freedom-the-road-to-financial-independence/

The stages of financial freedom: The road to financial independence

Today we’re going to explore the six stages of financial freedom. First, though, I want to introduce you to my friends Mac and Pam.

Pam is a pathologist and an elite ultra-runner. Mac is a former high-school science teacher and current stay-at-home dad. Together, they form a formidable financial team.

They’re also a couple of nerds. I mean, look at them!

Maybe because they’re such nerds, Mac and Pam have always put an emphasis on saving. But they don’t just pinch pennies. They’ve optimized their lives to boost their income and their happiness. They’re well on their way to financial independence. In many ways, they epitomize the ideals espoused by my Money Boss philosophy.

The Money Boss Method in Real Life

When Pam was in her final year of med school, for instance, Mac worked as a research tech at a neuroscience lab. He brought home only $18,000 but they were careful to avoid living paycheck to paycheck.

“We would pay the rent,” Mac says, “we would put money into savings, and we’d still have money left over at the end of the month. We made choices not to buy the little things that could have killed our future.”

After med school, Mac and Pam moved to Portland. While Pam did her pathology residency at Oregon Health & Science University, Mac taught high-school science. At that time, their salaries were similar.

When their first child was born in January 2005, Pam took maternity leave until Spring Break. From Spring Break until the end of the school year, Mac brought the baby with him to work and placed her in the student-run daycare.

“Counting the cost of daycare, my teacher’s salary went down to minimum wage,” Mac says. At the end of the school year, he asked for a year off. That year turned into forever. “It came down to whether I wanted to raise other people’s kids or whether I wanted to raise my own.”

The traditional choice is for the mother to stay home with the kids, but that seemed silly in their situation. With her residency completed, Pam could earn four or five times what Mac could make as a teacher. “It didn’t make sense to throw away the money we spent on Pam’s education to not reap the benefits of that education.”

For the past decade, Mac and Pam have worked in tandem toward family and financial goals. Pam makes the money. Mac takes care of two kids and day-to-day household operations while also managing their investments. They’re both careful with spending.

“We spend a lot less than all of our friends who earn similar amounts,” Mac says. “Lots of our doctor friends have multiple houses. They own fancy cars. They spend lots of money and we don’t. Neither of us wants a second home. I drive a 2007 minivan and Pam drives a 2004 Avalon. Our only debt is our house. We pay off our credit cards every month and we have no car payments.”

From the beginning, saving has been a priority for Mac and Pam. And as they earned more, they saved more. It’s true their spending increased too, but at nowhere near the same rate. A higher income meant they could put more in the bank — not buy more stuff.

Because they’ve been so diligent for so long, Mac and Pam will be able to retire in their forties. They’ve made the choices and done the work necessary to achieve Financial Independence at a young age.

“We’d rather accumulate our wealth, to live how we want later in life than spend on things now,” Mac says. Yes, they could afford to buy things today, but doing so would require sacrificing more important opportunities tomorrow.

These two are money bosses! They’ve been climbing the ladder of financial freedom for a long time.

The Six Stages of Financial Freedom

I used to believe that financial freedom meant just one thing: Having enough money that you never had to work again. Over the years, people like Mac and Pam have taught me that financial independence exists on a continuum. It’s not “all or nothing”, but an ever-increasing range of options. It’s a process.

Each stage of financial freedom allows you greater autonomy and self-expression, and these are qualities that lead to happiness.

Nearly a decade ago, I came up with what I called the three stages of personal finance. Later, I expanded this to four or five stages. Today, I recognize there are many degrees of financial independence.

For our purposes, we’re going to keep things simple.

After blending my ideas with those of Joshua Sheats at Radical Personal Finance, I’ve come up with a model that tracks six stages from financial dependence to financial abundance.

But before you can begin progressing through the six stages of financial freedom, there’s a preliminary hurdle you have to clear. You’re in this “zeroeth stage” if your expenses exceed your income.

Stage 0 – Dependence

In this stage, your lifestyle depends on others for financial support. We all start here. We’re born this way. How long it takes to break free varies from person to person. You’re in this stage if you rely on financial support from your parents. You’re in this stage if you spend more than you earn. You’re in this stage if your debt payments exceed your income.

After you begin to earn a profit, you begin to progress through the six stages of financial freedom. The first three are the “surviving” stages.

Stage 1 – Solvency

Solvency is the ability to meet your financial commitments. You reach this stage when you no longer rely on anyone else for financial support — when your income exceeds your expenses, when you are no longer accumulating debt. When you are earning a profit, you have achieved solvency. Some people reach this stage in their teens. Some never reach it. (I reached it at age 35 in October 2004, when I stopped debting and began to repay what I owed.)

Stage 2 – Stability

You achieve stability once you’ve repaid your consumer debt, established some emergency savings, and continue to earn a personal profit. You may still possess some “good debt” — college loans, a mortgage — but you’ve eliminated other obligations and built a buffer of savings to protect you from unfortunate events. (I reached this stage at age 38 in December 2007, when I made my final debt payment.)

Stage 3 – Agency

The final “surviving” stage is free agency, the ability to work and live how and where you want. In this stage, you’ve eliminated all debt (including student loans and mortgage) and you have enough banked that you could quit your job at a moment’s notice without hesitation. This is commonly called “screw-you money”. (I achieved agency in March 2008.)

Note: I know first-hand there are times you might prefer to carry a mortgage even if you don’t have to. For the purposes of this stage, if you have enough saved and invested to pay off your mortgage, it’s the same thing as not having one.

In the final three stages, you move from surviving to thriving. Money is no longer a safety net, but a tool to help you build the life you envision for yourself and your family. Remember our discussion of the “crossover point” earlier this week? That concept is key to defining where you are in these latter stages of financial freedom. (Each of these stages assumes no debt. Or, as explained in the note above, enough cash on hand to instantly repay your debt.)

Stage 4 – Security

You achieve financial security when your investment income can cover your basic needs. That is, based on how much you have saved and invested, you could live a meager existence for the rest of your life. Even if you never worked another day in your life, you have enough to afford simple housing, basic food, essential clothing, and insurance.

Stage 5 – Independence

Financial independence is the ultimate goal for most folks. At this stage, your investment income is sufficient to fund your current standard of living for the rest of your life. You can afford the basics, but you can afford some comforts too. You have Enough. (I leaped from agency to independence in April 2009. This is the stage I’m in today.)

Stage 6 – Abundance

In the final stage of financial freedom, you have “enough — and then some”. Your passive income from all sources will not only fund your lifestyle indefinitely, but grant you the freedom to do whatever you want. You can share your wealth with others. You can indulge in luxury, explore the world. You can build a business empire.

Note: Where am I on this scale? I’ve definitely achieved Financial Security. If you’d have asked me a year ago, I would have told you that I was solidly in stage five, Financial Independence. Honestly, that’s probably still accurate — but a lot about my financial situation seems less certain than it did a few months ago. That’s a topic for another conversation…

The more money you save, the more freedom you have, and the greater risks you can take. As your financial independence increases, you chip away at the wall of worry. You’re able to make decisions based on happiness and not on dollars.

And here’s the thing: As you develop smart money habits and skills, these will not only help you obtain whatever immediate level of financial freedom you’re working toward, but also progress toward future levels of freedom.

If you’re working toward debt freedom, for instance, as you learn to spend less and earn more, this profitability will continue to help you once you’ve achieved solvency. You can apply the same ideas as you work to obtain stability, and then agency.

I spent far too long this morning playing in Photoshop to create the summary below. I am not a graphic artist…but I try.

Summing Up

That’s it for migrating the Money Boss crash course to Get Rich Slowly!

Over the past few weeks, I’ve shared the nuts and bolts of my financial methodology. To summarize:

You are the boss of you. Nobody cares more about your money than you do, so assume responsibility for your financial future. Run your life like a business.

The best way to get what you really want is to become clear on your goals and values. That’s why everyone should craft a personal mission statement.

Your saving rate is the most important number in personal finance. Savings — which I like to think of as “profit” — gives you the power to do what you want in life.

Frugality is the cornerstone of wealth-building, but the best way to spend less is to cut back on the big stuff.

You are 100% responsible for your income. To earn more, learn more. Work more and work better. Sell yourself. If you take the time to supercharge your income, your profits will soar.

Think like a billionaire by carefully guarding each dollar you earn. Recognize that every time you spend today, you’re sacrificing a piece of tomorrow. Be wary of opportunity costs. Practice mindful spending.

Invest wisely. Don’t try to get rich quick. Develop an investment philosophy and develop an investment strategy that supports this philosophy.

Use barriers and pre-commitment to automatically do the right thing — every time.

As you adopt this philosophy, your wealth snowball will begin to grow. The more you work at it, the bigger it’ll get. Protect it. Your wealth snowball is the key to your financial future. Eventually, you’ll reach the crossover point, that place where your investment income exceeds your day-to-day spending. You’ll have achieved Financial Independence.

It was a lot of work to put this together, but it was also a lot of fun. I’d love feedback if you have it. I want this info to be as useful as possible to future readers, so drop me a line to let me know what you liked — and what you didn’t. Constructive criticism will not offend me.

I’ve collated this series of articles into a free ebook called A Brief Guide to Financial Freedom. Like much of this material, it’s still branded for Money Boss, but soon I’ll revise everything to be GRS-specific.

The post The stages of financial freedom: The road to financial independence appeared first on Get Rich Slowly.