#you would have to pay me minimum $50k to get me to even click on a tumblr live

[moonsyrups]

they’re really serious about this tumblr live business huh

[idesofrevolution]

Memento Mori

"Just one more week, Mr. Winslow. The shop is slow, my boss reduced my hours. But I have enough coming in this next check to pay off some of the arrears..." David pleaded, his voice quivering. After several bad months, he was behind on rent for the very first time in his life. Was that enough to convince the landlord for some patience and leniency? Of course not. As he droned on about the lease and the state laws, David kept typing furiously on his laptop. All the stress of daily bills and daily life had taken it's toll on his degree, and his grades had started to slip. What he needed was an injection of funds, and within the next few days. He hung up the cell phone, hit the submit button on his essay, and immediately starting hitting the job boards. His new Applicant Headshot proudly sat atop his impressive résumé filled with internships and volunteer work. A deep breath and he started searching.

First listing: Receptionist Needed, part time, 7.25/hr. Definitely not enough to even cover the electric bill. ISO Experienced Line Cook, at least 6 years of experience required. Not even gonna try with that one… Now Hiring Sales Representatives for multi-level marketing firm, $50k Introductory pay possible. Possible? What the hell does that even mean? Scrolling through Indeed, it was clear there were slim pickings, and that was being awfully optimistic. David sighed, thinking of every past due balance, the credit cards, the rent, the student loans, the utilities. At bare minimum he’d need a job paying at least $18-20/hr. But without a completed masters, few openings would even come close. Just as he was about to slam the laptop shut in utter frustration, the little ping of a new notification rang from the speakers. He scrolled up and read the listing.

“Assistant Needed. $25/hr. Part time, full time possible with successful first gig. Training provided. Apply below.” The listing was bare bones, but it caught his attention. If anything it was rather mysterious, and somewhat alluring to him. Either way, mysterious or not, he clicked the submit resume button. The only listing he was remotely qualified for now submitted, he closed his laptop. Almost immediately, his phone rang. The number was unrecognized, and didn’t even show a Caller ID. Normally, he’d ignore such calls, but perhaps it was a recruiter, or perhaps it was a debt collector. He closed his eyes, swiped accept, and pulled the phone to his ear.

“This David Bellingham?” The voice was youthful but gruff, and a bit odd. He affirmed his identity with caution. “Yeah, we got your application, and wanted to get you in for an interview as soon as possible. Are you available?” David’s heart plummeted to his toes.

“Yes! Absolutely. I can be there immediately if you give me the address!” The man on the other side of the line began to whisper, clearly not to David, and after a few moments, he responded.

“Knock knock.” The line disconnected. Trying to call the number back, he found it to be “unreachable at this time.” Concerned he was the victim of doxxing, he threw the phone across the room just as the heavy pounding on his door echoed from the front of the apartment. David sat nervously in his desk chair, unable to bring himself to even stand. He watched the front door, only the doorknob and lock viewable from his perch. To his horror, the top lock swiped to the left, and the knob quickly turned. The door swung open and a tall, lean man entered the room, quickly shutting the door behind him. The heavy footfalls from his gigantic Nikes slamming against the hardwood approached quickly, and the full sight of the man came into view.

He was inked from the face downward. A teardrop just under his right eye, various designs littered his shirtless torso and crept beneath his ratty grey sweatpants. A good looking guy for certain, but the air about him was certainly heavier with a sense of dominance and malfeasance. This was not a “good guy.”

“You stay right there, and don’t move. Got it?” The voice was the very same from the phone call. How could he have possibly found him this quickly? Let alone let himself into his own private domicile? Terrified, he nodded gently at the man as he leaned his sweaty body against the wall. “Interview time. You need a gig, right? Quick money?” David nodded, trying to coyly pull at his pockets for his phone, only to remember he’d tossed it across the room in rage. “Phones over there. I wouldn’t go for it if I were you.”

“What do you want?” David’s voice was trembling, the fear overtaking any bout of feigned defiance he’d intended to convey. The man smirked and looked around the apartment.

“I want an assistant for a job. You applied for the job. Now I’m interviewing you, right?” Knowing full well he’d lost complete control over the situation, he accepted he just had to make it through this interaction and wait for the man to leave before he’d be able to call the cops. “The group I work with are… let’s just say repo men and leave it at that. We need a guy that certain people wouldn’t recognize, and I think you fit the bill nicely.” The man looked David up and down, the pristine black button up and jeans contrasted entirely with his own attire. “I’ll sweeten the deal for ya. $75k for this one time job.” David’s jaw dropped. There was no way in hell this guy was legit. Nor was he offering a job that law enforcement would likely approve of. He could read between the lines. Mustering his strength, he found himself able to mutter out a single question.

“What’s the job, exactly?” The man smiled, his one gold tooth sparkled in the sunlight coming in from the window.

“All we need you to do is drive a car for me. In fact, I’ll drive the car, all I need is you to be in the drivers seat.” David was confused, terrified, nearly delirious with desperation to escape whatever scheme he was to be implicated in should he go through with it. Certainly the money would help, but with no guarantee he’d ever get that sum, paired with the fact his potential boss had literally broken into his home sparked should have sparked a fight or flight response within him. However, whether it was his brain misfiring or fear just getting to him, he found himself nodding once again and quietly saying:

“Okay. I can do that.” The man put his hand up to his ear, needing one more bout of confirmation. “Yes, I’ll do it.” It was a lie. Anything to escape the situation. But that confirmation to the man was in line with a verbal contract. The deal was sealed.

“Aight. Get up. Time for training.” Shit. It had backfired. The man walked over to him, extending his hand to pull the lanky young man out of the perceived safety of his swivel desk chair. His body moved of its own accord, accepting the hand, and the yank to his shaking feet. The man towered above him, looming over him like a monolith of muscle, skin, and ink. He began to poke and prod, seemingly making an inventory in his mind of what David could offer. “Tight squeeze. But you’re a good fit I think, Bellingham.” He pointed to the wall. “Put your hands against the wall, don’t fucking turn around. Do you understand?”

David did as he was told. He scampered to the wall, placing his clammy palms on it, breathing heavily. The room fell silent aside from the labored breath, and the cacophonous footsteps from the man. Against the back of his neck, he could feel the breath of the man mere inches from the little hairs standing on end.

“Try not to moan too loudly.” The man’s hands slithered around his skinny waist, riding his shirt up ever so slowly. Looking down, he could see the man’s black fingernails glide across his bare midriff, pulling him close until he could feel his warm, wet chest against his back. He let out a quiet gasp, as the fear began to subside under his gentle touch. “Mmmmmm yeah, baby. This is gonna feel good.” The man’s right hand made its way to the back of his shoulder blade, the fingertips massaging his tight deltoids. The second hand followed suit, pressing and pulling against his boney shoulders until he could barely feel them. That’s when the numbness made way to a new sensation, undefinable by mere words. It was fullness, it was tightness, it was euphoric, it was… stretchy.

Opening his eyes for a moment, he looked down to see the outline of two large hands pressing outward from beneath the skin of his chest. He gasped, but the sound was immediately caught in the back of his throat. The man hummed low and quiet, as the sound of elastic stretching followed the hands slowly pressing into his shoulders and down into the top of his arms. As if his body was slurping and sucking them into place, they traveled down his biceps, the intricate ink faintly visible beneath his pale porcelain skin. The hands were pulled by an almost vacuum force down his forearms and slipped into his hands. David’s skin began to pulsate and creak under the pressure of this alien mass as the fingers pushed the tips of his own further outward. He could feel the man’s larger biceps and longer arms stretching and stretching until a loud “Schlick” signified their suction in place. Against the wall, where his hands once were, were a pair of massive meaty hands: tattooed, black nails, thrice their original size. The man rested his chin on David’s shoulder as the hands began to move on their own, cracking their knuckles and caressing their tight muscles.

“Yeah, we gonna get you all trained up for the job.” David looked down as he felt the tips of the man’s massive toes pressing against his Achilles’ tendon. He moaned in pleasure for a mere second before his left hand clasped over his mouth as the foot pushed into his. His thighs ballooned out as the man’s legs began to slide into him, the creaking and groaning of his elastic skin growing louder as he pushed himself deeper into David. For a moment, he thought he could hear the sound of bones cracking as his foot stretched out to accommodate the invader’s, but as the tips of his toes were finally filled, they had grown into two high arched, musky size 15s. The heat from his new soles created a steamy footprint against the wood floor, and only as he backed up did he see he’d grown almost a foot taller. His jeans struggled to contain the cut, chiseled quads and calves. One firm push further, and he felt a squirming within his groin.

“Ahh, fuck. Let me just…” His hands unbuttoned the waist of his jeans, pulling down the whitie tighties which had cupped his modest package. With a firm grip from his calloused hand, he pulled the tip of his cock outward, watching in erotic confusion as the lurking outline of the man’s monstrous duck slurp up the base of his own- pushing farther and farther, until the man let out a loud sigh as it had expanded fully into David’s, snaking longer and wider than ever before.

Gently stroking his new python, the man pressed his chest against David’s back, squeezing his own shoulders together to squirm and shimmy into the tight confines of their soon-to-be home. As if crouching, David felt the man slip into him, the elastic skin of his back slowly sealing shut behind the invading torso. Finally within him, the man stood up straight, letting his shoulders stretch outward, and his pecs burst out of the formerly skinny body. Hearing the soft chuckle of a devious thug growing closer and closer, David could only watch in the mirror as the man’s face pressed out from beneath the skin of his neck, protruding sharply as it slid upward. He could feel the man’s sweaty black hair in the back of his throat, pressing hard against the tight hole leading to his mouth; and thus his head. Pressure had mounted, vision became blurry, his eyelids flickered open and shut just as he felt the crown of the man’s head finally stretch past his jaw. It was seconds. The man’s head was immediately suctioned into the smaller skull of David. As his now dark Hazel eyes opened, David could only watch as the man pinched and contorted his face; pressing his nose, lips, chin, ears into their respective places. The man smiled, his one gold tooth now sparkling from within the merged body of his host.

“Not bad. Lookin good, if I’m being real. You in there, little man?” The man tapped on his temple, David acknowledging the echoing beating from the dark void of his mind. “Yeah, you watchin’. I told you I was gonna train you.” The man flexed his new muscles. “This is just part one. Now we get your mind all fixed up.” David’s consciousness was merely floating in the endless abyss of darkness, unable to resist as a flood of foreign thoughts began to pour in. The man continued to jack his thick rod, the pace quickening as David’s mind was filled with the man’s own memories and experiences. Or, rather was filled with Dante’s memories. Whatever rage, discontent, or distrust flashed away, and the figure of Dante, the invader of his body quickly shifted from an adversary to a mentor. Methods of hot wiring cars, lock picking, slide of hand, coke sniffing, ass fucking, pussy licking, pit sniffing, sneaker huffing, tongue kissing, machismo all but replaced whatever he once had stored in the vault of his memory. Dante and David were no longer two, but for the moment at least, were one.

Dante blew the load of David’s useless collegiate education, meek insecurities, nervous demeanor, and whack sense of right and wrong right out of his long thick cock into a puddle on the floor. He flopped backward onto the rug, and lay there huffing and sweating.

“Fuck yeah, man. You feelin’ good up in there?” The faint murmur of his new pupil within him purred in ecstasy. “Let’s get this job done, get you your money. Then we’ll see how you feel about goin’ full time.” Dante smirked from within him, knowing all too well that he had a new member to his crew.

———————

“State police are still on the lookout for those involved with the robbing of a New Orleans bank approximately seven months ago, a small bounty has been offered to anyone with pertinent knowledge of…” Dante smirked as he closed the YouTube video. Sitting in plain daylight on the steps of the Courthouse, the gang flaunted just how untouchable they were to all who knew who they were. There wasn’t ever going to be any leads for the police, no one would ever dare. Besides. Rob from the rich, give to the poor. The poor, of course being themselves.

Walking over to Dev, their new getaway driver, he handed him a cigarette from his own personal collection. The sneering visage of his crewmate and pupil was thanks enough for him as he flicked his lighter and ignited the Treasurer Luxury smoke. Training went well over the past few months, and after five or six successful heists, the newest Libertine boy found himself a permanent fixture. Now rolling in the finest cars, fucking the hottest guys and girls in the club, and throwing hundreds like they were dollars, Dev was rearing for the next payday. And as a professional, he was bound to deliver.

[clevercatchphrase]

2020 Year Review~

2020. Pretty unique year, don’t you think? It’s the first year since 2002 to have only two different digits in it. After 2022, this won’t happen again until 2111. Yep. Absolutely nothing more interesting than that.

Anyway! It’s time I reflect on my 2020, look back on my yearly goals and rant about things that happened to me this year. I made a post like this last year, where I went over my 2019 goals and talked about what I accomplished and what I didn’t, and it’s only fitting I do the same again this year. Read more under the cut for a random stream of consciousness ramble!

So, first things first, let’s look at my 2019 goals;

Finish paying off that last student loan

Put more stuff on my redbubble

Illustrate my own fan fics

Sew at least one stuffed animal

Make an enamel pin

Read one new book a month

Write one page a day/Complete at least one new fan fic

Learn Python or C# for the game I want to make

Finish fully scripting Ghost Switch

Boost my patreon

 Paying Off My Last Student Loan: Going down the list, I am proud to say that I FINALLY paid off all my student loans! (and not a moment too soon. The last payment I made was literally days before the first quarantine rolled out). It took me roughly 4 years on my part-time paycheck to pay off all my loans, and once I finished, I had no money to my name (literally; I had less than 1k as emergency money in case of car troubles or health issues). Heck, I’m STILL living at home as a save up for a place of my own. Finally paying off all my student loans DID activate my secret 2020 new year’s resolution, which was to adopt a cat! I did this too, literally a week later! She is the best thing that’s happened to me this entire year and I love her so much and she is the snuggliest cuddle bug I’ve ever met. I’m so happy she’s in my life now~

Put More Stuff On My Redbubble: ah ha ha ha… I thought I did this, but then I went and checked, and it turns out-! I did not. I made art I intended to go on my redbubble, but haven’t put there yet. They are all drawings of some OCs from a game I want to make, but because I haven’t progressed on making the game this year, I never got around to putting more stuff related to it on my redbubble. At the time of writing, there are 7 days left in December, so I guess I could go and put it up on my redbubble right now, but without context on where the characters are from, there wouldn’t be much point, now would there?

 Illustrate My Own Fan Fics: Another goal that I was so stoked to actually do… and then just didn’t. Gee, I wonder why I couldn’t find the energy or motivation to do it this year? Truly a conundrum. (Hey, you know what? If Ghost Switch counts as a fan fiction in a visual form, then I am doing GREAT on this goal. 2.5 years in, 1 of ~4 arcs done, and still going steady~)

 Sew At Least One Stuffed Animal: Okay, I have a valid excuse for not doing this one. I even knew which stuffed animal I wanted to make, and had the pattern drawn out and everything, but I had no money for materials because I had just paid off my student loans. And then, by the time I did have enough money again, quarantine was in full effect and I couldn’t go out to the fabric store. I’m still trying my best to stay out of public places even if the rules are laxer now, because I don’t want to catch the plague even if everyone in my goddamn city thinks and acts like the problem is over already. Even if they’re all wearing masks, even if they’re staying 6 feet apart, I still don’t want to risk it. I will stay inside until health experts give the all clear, and when that day comes, then I will buy some fleece and make a plush.

 Make An Enamel Pin: I ACTUALLY DID THIS ONE. TWICE! Halfway through quarantine, I was feeling anxious and depressed about my job and how they were planning to have me work with the public despite climbing infection rates and positive covid cases. I didn’t quit then, but in a desperate move to try and become self-sufficient, I went to madebycooper and made two enamel pins based on some butterfly dragons I drew last year. They’re on my etsy store now! I even went out of my way to open a P.O. box just to start a small business! I haven’t sold a single pin yet, and I’m actually really nervous to sell my first because I don’t trust the efficiency of the postal system thanks to the actions of the GOP that really screwed them over this year! (If you would like to see my enamel pins, click here!)

 Read One Book A Month: I did this! With dragon books I bought a couple years back! In fact, I read FOURTEEN dragon books, and still have more books for next year to read! The 14 books I read this year were:

 The Hive Queen

The Poison Jungle

Wings Of Fire Legends: Dragonslayer

Dealing With Dragons

Searching For Dragons

Calling on Dragons

Talking to Dragons

The Bronze Dragon Codex

The Brass Dragon Codex

The Black Dragon Codex

The Red Dragon Codex

The Silver Dragon Codex

Dragon Strike, and

Hatching Magic

 To be honest, I had read The Red Dragon Codex years ago when it first came out, but completely forgotten what it was about. I remembered liking it, and I knew the reading level was on the lower side, but the whole dragon codex series was pretty good! So far, the Silver dragon codex was my favorite, and black dragon codex was probably the worst! Hatching Magic was also really slow and bad and had plot points that went nowhere, but the book was written in the 80s, so I don’t know what I expected. The Dealing with Dragons series was very charming and great for the most part, save for one line in the last book that really rubbed me the wrong way, and all the Wings of Fire Books go above and beyond in this third arc. The second legends book could be a little tighter, though (sky and wren are the best duo and I want a book solely about them, but I honest to god do not care about leaf and ivy’s stories.)

 Write one Page of any story every day/ complete at least one fic: I… did this? Okay, I kinda cheated near the end of the year. I was keeping up the one page a day thing for the first four months, but then the world went to shit and my schedule and habits got disrupted and I fell off my good track record. I completed 7 out of roughly 12 one-shots I had planned for this year (my goal WAS supposed to be one short a month, but… you know how it happens) I kept trying to catch up on this goal all year, but the days kept piling up…. Until November hit. I managed to write over 250 pages for Nanowrimo, and I consider this goal a win. 365 pages of fiction in total, which averages out to about one a day~. SHUT UP IT COUNTS.

 Learn Python or C# for the game I want to make: Another goal I didn’t have the mental energy to commit to this year. Truly a mystery to where all our willpower went in 2020.

 Fully Finish Scripting Ghost Switch: still haven’t done this one yet! The Snowdin arc is completely planned, but I just haven’t gotten around to getting the other areas. I’m not worried, though. I know all the major plot points I gotta hit, it’s just weaving them together in a way that flows nice is the final task. I’m not too worried though. I don’t expect to finish the Snowdin arc for another year and a half, at the bare minimum.

 And my last goal of 2020, Boost My Patreon. I did this at the beginning of the year, but then very intentionally stopped about a third of the way through. It didn’t sit right with me to tell you guys to donate to me when suddenly EVERYONE was financially strained from layoffs or being furloughed. I told my patrons the same, and if you ever need to stop donating to me to take care of yourself first, then by all means, please do. I would feel much better knowing you’re using your money to see yourself fed and housed instead of given to me (where it is pretty much only used to buy gas for my car, honestly)

 Welp! That was all my goals for 2020! I achieved 4 out of 10 goals plus 1 secret goal! Pretty much the same ratio as last year, but now this time I can blame all my failures on the pandemic! I don’t feel so bad about myself anymore~

 ON TO 2021!

 I have 11 goals for the new year, again some rolled over from this list, and some from even older years. They are, in no particular order;

 Read 12 new books (roughly 1 book a month)

Finish the first draft of 2019’s Nanowrimo project and rewrite it

Script TDV

Finish Scripting Ghost Switch

Build A Comic Buffer

Sew 1 Stuffed Animal

Finish 1 Song Comic

Make another Enamel Pin

Finish 2 short original comics (this one counts as 2 goals)

Finish the 5 remaining one-shot fics

 Now to go into depth on each one, more for my own sake, really. I want to know exactly what I have planned for each goal this year, and sometimes just looking at a short list doesn’t capture all the smaller details.

 1)Read 12 new books. Same as last year! I The only difference is I might not be able to make it all dragon-related books. (I try my hardest not to buy from amazon anymore, but half-price-books doesn’t always have the obscure stuff I’m looking for)

 2)Finish 2019’s nanowrimo project. If you read my 2019 year reflection, you’ll notice I said I wanted to do some original writing. And I did! The story I wrote for nanowrimo back then was a story I’ve been toying with since 2017, but it was only last year I finally got pen to paper. Now, you may find it odd that the keyword says “finish”. You may think, “but isn’t that what you’re supposed to do for nanowrimo?” and to that I say, WRONG! I wrote 50k words for nanowrimo, but the draft was only about halfway complete. I was kinda discouraged about what I had written last year, because I didn’t like how it was coming out, but I did manage to get it half done. Now it’s time for me to bite the bullet and just finish the thing so I can finally revise it and make it into something I DO like. (It’s still gonna be hella long, tho. That’s what I get for trying to write an epic fantasy, I guess.)

 3)Script TDV. TDV is the abbreviation of the game I want to make. I… still need to do so much for this project OTL… In addition to getting the story solidified, I still need to draw art and game assets, and learn how to code for it, both of which are no small task. I keep having some sort of new year’s goal related to this on my list, and every year I just don’t hit this one. Will 2021 be different?

 4)Finish Scripting Ghost Switch. (Or at the very least, get the waterfall arc completely written out). I have a plan to break this down into simpler steps, by focusing on just one arc for a month or two. Every major arc has 2 to 3 parts, broken up by flashbacks, and if I can just finish one section a month, then I should have the entire thing scripted by the end of the year. It’s not a difficult pace, but seeing if I stick with it will be the real challenge, as it is will all my goals it seems.

 5)Build a Comic Buffer: I’m actually working on this one right now! Since I paid off my last loan and got a new job this year, my current Patreon goals are kind of out of date. They had all been centered around me paying off that last loan, and working towards full-time employment, but those are both completed now! So instead, I would love to get to a place where my patrons could read pages at least a week ahead, and to do that, I need to build a buffer. And since I’m working 5 full days a week now, I can’t afford to fall behind. But you can’t fall behind if you constantly stay ahead! I would like to have… a 10 to 12 page buffer. That’s roughly 3 months’ worth of pages to always have on hand in case I get swamped with work, or something. Right now I currently have a buffer of 3, which will cover me for half a January, which is better than not having anything at all, but still not the best. (ultimately, I would love to have a buffer so big, I could queue them up for the whole year. Wouldn’t that be something?)

 6) Sew one stuffed animal: same as last year. ASSUMING the plague gets under control in 2021, I don’t expect to get to this goal until the summer at the earliest.

 7)Finish 1 song comic: I have 7 song comics planned. One is a gift, one possibly for wandersong, one is a collab that’s currently in the works, but I’m waiting on a friend to do their part before I can continue mine, 2 are UT related, and 2 (well, technically 3, but one is the collab) are KH related. It’s one of the UT ones that will probably get finished, if I’m being honest. It’s completely story boarded, and now I just need to ink and color it. I would like to get it done for UT’s 6th birthday, since I made a song comic on the fly for the anniversary this year, and it was fun, and I’d like to do it again! So, look forward to that next september~

 8) Make another enamel pin: I have a dolphin design I’d like to make because dolphins are cute, if not little murder machines. (need to save up some expendable income first, tho. THESE THINGS AIN’T CHEAP TO MAKE.)

 9 and 10) start and finish 2 original short comics: I’ve got some comic ideas I want to do, but I need to get them written out first. I don’t think either would be too long. Each maybe a couple “episode’s” length, if envisioned on a website like webtoons or tapas. They’d both be heavy in allegory, but not overly drawn out (hopefully)

 11)And lastly, Finish the 5 remaining one-shots I had planned for this year but never got around to. I’m going to try to write one every other month. Pure self-indulgent shipping fluff. If I finish these 5, then maybe I’ll ask other people for more prompts and ideas, which I’ve never done before. We’ll see how it goes~

 Also, Like last year, I’d like to look at everything that’s happened to me this year, though to be honest, I’m not sure how much I remember/how accurate it’ll be. God, I don’t even remember what January was like. Who was I back then? Who were we all back then? I guess I’ll start my yearly retrospective in march because, heh, god we ALL know what started happening in march.

 Firstly, I paid off my last student loan! Then a week later on March 18th, I drove half an hour out of my city to adopt a cat and I love her and it was the best day of this year for me. Spring break is just beginning this weekend, but the attendance at the zoo is shockingly low this year. Apparently, a lot of people watch the news, and they’re all taking precautions about social distancing. I wasn’t too disappointed. Fewer people at the zoo, the easier my job is for me. I was looking forward to getting some free overtime on spring break, since I’m broke after paying off that loan, and I’m a cat parent now and have a furry child to feed. Monday rolls around. My manager calls me and tells me that the zoo is going into lockdown until further notice. I worry for the birds I take care of, but understand it’s for everyone’s safety.

 For two months I sleep in and watch way too much YouTube. I join a couple writing discords. I have nightmares about my birds escaping their enclosure and I dreamed one of the security guards I really like at the zoo gets covid and has to go to the ER. I woke up really upset.

 I started and finished BBS for the first time. I also replayed and finished KH2 final mix for the first time. It had been about 5 years since I last played KH2 before my PS2 died, and it was like coming home~ I also finished tearaway, and played and beat Ryme for a second time (which I can’t remember if I did that last year, but it was a fun experience regardless)

 Mid-June, and I’m allowed to start going back to work, be it on reduced hours. The zoo is still closed to the public, but I’m loving it! I get to work with full-time keepers and do full-time keeper things. It’s so much fun not having to deal with the public. August starts to creep up and there’s a rumor that the zoo will be opening to the public again, which I’m not stoked about. I don’t want to go back to standing in one exhibit all day, talking to guests who don’t listen to the rules or to me. 2 of my younger coworkers (who had both only been there a couple of months) get chosen for full-time positions, while I get passed up which really pisses me off. My other 2 coworkers quit when they think we might be reopening because they cannot risk catching the virus due to at-risk family. I am now the last keeper in the interactive bird exhibit.

 I keep working, the zoo slowly opens, but with me as the only interpreter in our interactive bird exhibit, we can’t open because I can’t run the entire exhibit by myself. So my exhibit stays closed. September comes and goes, and then October starts. Now there is more serious talk of opening my exhibit before the end of the year because the zoo expects to bring in larger crowds for the Christmas lights event in November/December. I ask if I get hazard pay or health insurance since I’m doing full-time hours until they hire more staff. They say no.

 I immediately start searching for a new job feeling incredibly indignant/hurt/slighted/insulted/used/abused/ALL the negative feelings at my job. I had been there for 4 years, but never got a chance to work full time, while the two newest hires who had only been there 2 months both got moved up. I can’t help but feel they were holding one mistake I made two years ago against me and never wanted to give me a chance. (that, or they knew I was reliable when it came to showing up for work in such a volatile position that sees a lot of new faces, and they didn’t want to bother going through the process of hiring someone new) I don’t want to risk my life working around guests who don’t wash their hands and don’t properly distance. I don’t want to gamble with my health when they won’t offer me health insurance because I’m part time.

 Mid October, I get an interview for a full time job and get hired on the spot. I peace out at the zoo 2 weeks later, literally 3 days before they planned to open my exhibit to the public. It was a close call for me to escape before they opened to the public (and pettiness was only partially the reason I dipped out so close to opening). Sorry new hires who are now in charge of the bird feeding exhibit. I taught you the best I could in the short time I had. If the managers are struggling with what to do with one less person, I can’t say I feel bad. I can only hope they delayed opening/closed you down again for your own safety. You are not lightbulbs. I really hope the higher ups stop considering you as replaceable as one. Will I go back to the zoo to visit? Probably. But not for a year at least.

 I started my new job the very next day after I quit the zoo, and have been there ever since, (which isn’t that long yet, tbh. Christmas day was my 2 month anniversary). It’s full time, but it’s also a small business, and everyone’s hours this year have been on the short side due to the plague. I understand, though. They don’t want us to work if they can’t afford to pay us. Everyone is nice enough, though some people smoke and it’s hard to avoid them with how frequently we have to go in and out, and I really don’t want to get lung cancer, sorry not sorry, please and thank you. Also, with such a small team, gossip is certainly harder to go undetected, so it’s a relief knowing people don’t talk behind one another’s backs.

 I participated and beat my 4th nanowrimo in a row, I made TWO apple crisps on thanksgiving, and made baklava on Christmas and both of these recipes were my first time making them, and they both came out adequately! I voted the first day of early voting, and I did an art trade/collab with two of my friends for my birthday! (normally we would have done monthly “art days” where we get together and do art projects for fun because we’re adults and we can spend our time together however we want, but the plague said otherwise this year) We drew pokemon and it was fun! (hopefully I can show you all the results soon. At the time of writing, I’m still waiting for the last two colored parts to get back to me)

 I reached 100 pages on my undertale comic, and finish the first arc out of…! (im not sure. It’s either going to be 4 or 5, I haven’t decided yet)

 Over all, I managed to stay healthy as far as I know. I wasn’t as productive as I wanted to be this year, but then again, who was? (don’t answer that. I don’t need that kind of comparison in my life right now)

 Will 2021be any better? Honestly? I don’t think so. Not right away, at least. Just because a new year is about to start does not mean the slate is completely wiped clean. The change of the calendar year doesn’t magically make all our current problems disappear. Covid will still be here and cases will still climb when January starts. Small business will still be strained when the month rolls over, police will still go on murdering innocent civilians and getting away scot free, amazon and disney will still be monopolizing all consumer goods and media, and I can’t help but feel like there’s an impending shit show about to go down on inauguration day. I do hope things will get better, though. It’ll be arduous and unpleasant, but I do hope things will improve, because sometimes hoping is all you can do.

 Good night.

[margaretrodriguez-blog]

auto insurance alvin tx

BEST ANSWER: Try this site where you can compare quotes from different companies :howmuch4insurance.xyz

auto insurance alvin tx

auto insurance alvin tx insurance cao l. $30k $50k car insurance cost. I just started in the middle of your car insurance? You pay for your car insurance as your percentage of the price of the property. If your car owner were to get injured, that’s always a good option for someone or some business. If you are a self-employed/profit driver/producer, you may be in a company car insurance coverage group. These are very competitive, not because you are an employee, but because of your profession. For example, if your car insurance company claims the car as an out-of-state vehicle that you are driving, so will your auto insurance company. It doesn’t look good on your plate unless you have the car insurance. If you are a car owner, whether you are taking the car out to a rally in Charlotte, your location matters, as well. However, how far to one stop if your car is stopped for an. auto insurance alvin tx auto insurance? I just got a quote from my insurance. My husband is an employee and is also an out of the state. I was at a home and some other times there was no insurance on a car. My husband bought a non owner and got a non owner policy . But his car is my house and I am on my own. The policy has 2 levels of coverage which he can take and what I will have to pay on my own. It would be about $20 per month when the company makes the call to the agent. How can I get non owner car insurance and a car? Do you need to go to a local dealer? The guy who made our car was in front of us in front of a small company that wasn t much he was at a home park in town. My friend in this business is the other driver who is to be found at his house to be the other driver was looking over the house and the house got hit by another person in the car.. auto insurance alvin tx insurance for 5 years I only had the last 10 years and my rates will go up for 2 years. Why should I have to pay 20,000/20,000 (what would be the rate on a new car) and then the car gets stolen. That’s why. It is illegal and I’m glad the insurance for the same is cheaper and will go down. This is the best deal or something that doesn’t make any sense. Great company. They were kind of an agent that didn’t take long to fill out for me when I asked. They took the form and filled out the forms properly but the only time I was shown the policy was after the fact. When I did get quotes, they said this is because the policy was already in effect from year 1 (they say this happened and they didn’t think so). I am a bit confused about how a representative could give me a new car, i was.

AdBuddy Driskill - State Farm Insurance Agent

AdBuddy Driskill - State Farm Insurance Agent You can also sign up online with your own state s insurance agency, allowing them to provide you with insurance quotes and advice. What is Nationwide Independent Agents? Nationwide stands out as a provider that offers a simple way to get insurance from some of the country s leading providers in just a few clicks. The company is committed to providing customers with dependable service, and they work hard to ensure that you get the protection you need. Nationwide, a family-run insurance agency, has operated in the insurance industry since 1959 and has more than 100 years worth of experience in providing quality insurance coverage. Nationwide stands for , and in this state, your insurance has to be as well. If you want to get home or water insurance in Georgia from Nationwide, you re getting a great deal at a great rate, as well. The company was founded in 1956 as a small business-type insurer that was initially limited to selling small business homeowners insurance, but now operates as a business-owned.

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23. Amtex Auto Insurance

23. Amtex Auto Insurance: $12 per month $9 per quarter. Farm Bureau: $14 per month, $13 per quarter. Allstate: $16 per month, $17 per quarter. American Family: $18 per month, $19 per quarter. A company licensed to sell auto insurance in the state is responsible for covering the policyholders under the policy, whether it is insured by that company or licensed. The reason why a company has a business, even for home sales, is for the businesses they offer and the reason for the premium to be paid. The is one way to determine whether a company will give you the policy coverage or do not give you the benefit that you need and for you. Generally speaking, you want the company that will cover your car or homeowners policy to insure your car in the event of an accident if it is their car, even if the car is owned by anyone else with it.

8. Houston Auto Insurance

8. Houston Auto Insurance and Insurance Guide can help. In the age of Obamacare, insurance is in the process of becoming an insurance issue. And with the new ACA, all drivers are now required to have car insurance that meets a $15,000/$30,000 minimum amount. Now you know you can get car insurance to cover car needs with the new (also known as the new new auto plan ). The New Car Insurance Institute of the Department of Transportation (TRI) is a non-profit organization for auto insurance companies that promote the use of public roads. For example, TIOI uses cars to pick them up and service them, while TSI also uses cars for commercial purposes. TIOI uses cars on a daily basis to facilitate people using the roads, both on a daily basis and over and over again. This is a cost-effective  way to get free money when car insurance can’t cover all car needs in the eyes.

26. Baja Auto Insurance

26. Baja Auto Insurance can help you decide the best car insurance for you by comparing rates, discounts, coverage, and service. Learn more at our online or mobile office located at the right corner of Belmont/Poughkeepsie and Hwy 75 near the Poughkeepsie entrance. Use our to get quotes: Insurance companies can t use your credit score as a factor when calculating your insurance rates. A person s credit score in Washington is typically used to show that the rates they face are in-force, but the credit score also indicates how likely an individual is to file a claim. The most common auto insurance credit scores that drivers should consider are lower than the credit score of a driver. The following is a general guideline of what car insurance companies consider when calculating premiums for various types of drivers. In Washington, the standard retail price of car insurance is $13,800 but can be changed by the insurance company to $18,400 depending on the policy. While prices can change a lot depending on your.

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10. Fiesta Auto Insurance

10. Fiesta Auto Insurance rates are higher than the national average, so its rates are higher. However, this premium is a bargain, which is the case when you consider other factors like the type of vehicle you drive. Your actual rate will depend on driving history, the type of coverage you choose, and your personal information and insurance history. The national average for car insurance is just below $1,000 a year, which is pretty cheap, compared to the national average of $600. We can see how it relates to your state at the top of the first page. However, the price of the premiums is based on other factors like the level of drive you drive and your credit score. This factor also varies from state to state, driving record to location of the car you drive. Here are the most and least expensive states to insure a car: It’s possible to insure a vehicle your lot is at least 20% higher than the state’s average. The most expensive state? Virginia, also known.

20. Amtex Auto Insurance

20. Amtex Auto Insurance Rates for drivers with one at-fault accident For drivers with a recent accident, the following Amtex auto insurance rates were calculated For drivers with a recent DUI, the following Amtex auto insurance rates were calculated More than one accident, like a DUI, could cause Amtex auto insurance to increase to an average of $2,000 Many drivers need affordable car insurance for just the state minimum requirement of liability For drivers with a recent speeding ticket, Amtex auto insurance rates were among the cheapest in Kansas For those who recently became licensed in Kansas, earning a top tier policy for Kansas vehicle risks, a great introductory tool in the state, or some other low-cost auto insurance, such as Amtex Insurance   Kansas drivers with a recent speeding ticket face steep sticker payments, rising car insurance rates, increased accidents and high-risk drivers who are not very good at hearing what’s going on. A high-risk auto insurance policy is a combination of high.

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AdDirect Auto Insurance Rates – In New York, the average annual cost for drivers is only $94, Compare.com estimates its auto insurance rate to be $1,500, $1,700, and $1,800 a year. Compare.com does some math. In total, New York drivers pay $1,400 to $1,600 for annual car insurance premiums. If you have been cited for driving without insurance in New York, you will be financially responsible for the costs. We’ve collected a list of the best car insurance companies by state below: Unfortunately, New York has a . There is much debate surrounding the cause of the rise in car insurance premiums. The Insurance Information Institute points to an as a contributing factor in causing these rates to increase, but it’s hard to predict exactly what effect large insurance premiums will have on car insurance premiums in New York. The easiest way to remember when car insurance is higher than what you’d pay for similar policies is.

28. Amco Auto Insurance

28. Amco Auto Insurance was named best in its 2017 J.D. Power study for the North Central region by giving the company an average of 5 out of 5 stars. Although the best car insurance company isn’t always the cheapest, it pays to shop around. Car insurance is designed to protect you from financial risks if you get in an accident. If you get into an accident, your auto insurance will cover your: If you are unable to find coverage from other companies in your state, you’ll have to look elsewhere. You can contact an auto body repair facility to find out how much coverage you may need. There are also companies that offer rental car reimbursement and rental car coverage when you rent a car. Check these car insurance companies out for the best car rates: As we indicated, there are also cheaper auto insurance providers. For instance, Auto Body refers to the car insurance policy you have when driving the car that you own. Generally speaking, a car insurance policy will cover all of the following:.

[leyahroehl]

do i need mexican car insurance

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do i need mexican car insurance

do i need mexican car insurance? Is there any other auto insurance company that would show any other information about me to my credit in their system? So I am going to cancel my insurance on my ssidare policy? can I get the vehicle that I did in the event of my failure to comply with this insurance requirement? Thanks, I got my life insurance because of insurance company is it not worth? I just want to make sure that I am getting the best price possible and getting the best coverage for my money. Would i need similar to my credit. I’m a single male that is 26 years old, and pay about 6 monthly to be insured for my 25k to 50k a month insurance for my home insurance. I live in Texas. I need to speak to an insurance agent on their phone today. I’m considering getting my car insurance policy that is going to be cheaper and I need to find a good insurance company When we compare insurance quotes,. do i need mexican car insurance? My ex-husband and i just got a new apartment and we just need some insurance but have been missing since September 2018. We are on a small, very old car but had to drive back to some hotel. We haven t been able to get any insurance because we didn t give consent and the rental car agency only offered us the 2 vehicles to get the 1 car just to save money. They sent the insurance out, but i can t give a real answer! What is the plan in the plan (1 car and 2 cars) for your current car? You need to get insurance now and when you would like one you d also be able to get one as per his request. Our car we were not paying for this insurance is now going to get broken into but we just want to save $3000 each month to not drive (and not let our insurance lapse – not that is what I would like from the other 3 car that we bought) What do I do to the. do i need mexican car insurance in texas alexandrey is a beautiful car and i got my license to insure my car but cant get car insurance in the name of a family lol Can anyone give me any help with my insurance needs but i need car insurance for my car now do you have any suggestions? Any suggestions to help me with my insurance needs? The car I use for insurance is the one that costs around $1300 in the US so I’m sure my insurance is a little low will this make it to the next bill on time to pay the bill please dont buy insurance with this insurance I need a cheap car. My dad paid us for it. We go out to drive to work every day. Is he able to be there when something happens? He has a car insurance for his car with no insurance on it and i want it with me as well. We pay the same as it is but the insurance is very low to my parents plan to pay but we are going to go to a.

Purchasing Mexico Auto Insurance

Purchasing Mexico Auto Insurance You must understand that Mexican auto insurance is regulated under the laws of that country. Most of the same terms that apply to Mexican auto insurance are not necessarily apply in any other country. Mexican auto insurance is required in most, or all, states. To get coverage, the state you reside in is an important factor. So, for example, if you are living in the US, your state of residence has some sort of insurance requirements, but in most any state, car insurance has to meet the same minimums. Mexican will be different than most insurance policies for your location. Most of the Mexican required are minimum limits of liability of $25,000 per person (full coverage) and $50,000 per accident. Also, it is possible to have up to $1 million per accident. For example, you and your parents could end up paying almost $200,000 per year on a combined $600,000 combined policy. These can be a big savings, but you will.

You can customize your Mexico auto insurance policy.

You can customize your Mexico auto insurance policy. In most cases, the Mexico coverage is tailored to your particular needs, according to Mexican law and the Auto Insurance Institute. Mexico’s insurance laws vary according to several points of view and individual circumstances, but all too often, you’ll find a Mexican insurer who offers cheap Mexican car insurance, with American rates. To make sure that Mexican auto insurance rates are as fair as possible, you should shop around as many Mexican insurers as possible — for instance, in terms of prices and levels that can help ensure you get the best Mexican car insurance that there. A study of car insurance data from the Insurance Research Council shows that only a third of the country’s 1.6 billion drivers borrow from Mexican insurance. Mexico has a long history of uninsured drivers with low-taxes insurance requirements. According to the American Institute for Economic Policy Research, Americans who don’t have car insurance don’t buy much coverage.  The number of uninsured drivers is only 6.1 percent.

Why do I need Mexican Car Insurance ?

Why do I need Mexican Car Insurance ? The Mexican Car Insurance is not very good. You also need liability of the vehicle where you drive it. I would like to get it a Mexican car car insurance quote. This is an easy car. So you will need a Mexican car insurance quote in the future in order to drive it for a Mexican car insurance quote. Will Mexican car insurance cost more than American car insurance? Mexican car insurance is extremely expensive to buy. So why does American car insurance cost more than Mexican car insurance? Mexican car insurance is extremely expensive after the rate is so high it will take a long time to get Mexican car insurance in the future. What to do with Mexican car insurance quote? You can contact a free Mexican car insurance quote online, but what is covered by a Mexican car insurance quote? How can you find a Mexican car insurance quote? You will need Mexican car insurance quotes online . You will need Mexican car accident quotes to get a Mexican car insurance quote. Some quotes are much closer to the car of the month.

How Mexico vehicle insurance works

How Mexico vehicle insurance works for: If you drive into Mexico and your vehicle breaks down, you may not have the funds to pay your last penny. As part of your insurance plan, the Mexican authorities will collect your policy for a full investigation. If you get it back, you risk paying for your new vehicle out of pocket. Some policies are so hefty the Mexican government will be involved in the process. You might have to file a legal action. If you’re in the market for a new Mexican vehicle, you’ll have to compare the rates of the different insurance firms. The cost of insuring a new Mexican vehicle increases dramatically. It’s time to compare Mexican insurance rates in your local area if you drive. Enter your ZIP code below to start. Here’s some information you’ll need to know… There are many options when it comes to insurance coverage for new Mexican vehicles. It’s best to call your insurance company, ask for quotes from different insurance companies,.

Northbound Insurance for Mexico-Registered Vehicles

Northbound Insurance for Mexico-Registered Vehicles, U.S. Registration, or Motorcycles We want our insurance coverage based on our specific insurance needs. This way we can be sure that we are getting a great value by delivering our product as quickly and without delays. We want to make sure you have the coverage you need to protect those you love every step of the way. Call us at to make changes to your life insurance policy. Helpful life insurance agents, who can assist you in servicing your policy, are just a phone call away. For all other policies, call or log in to your current , , or policy to review your policy and contact a customer service agent to discuss your jewelry insurance options. Purchased Mexico auto insurance before? With just a few clicks you can your insurance policy is with to find policy service options and contact information. For those living in the Sunshine State, a driving accident on Florida roads could wreck you both. The Florida Department of Highway Safety.

Mexican Insurance Store.com,

Mexican Insurance Store.com, like all car insurance companies, rates vary based on age, ZIP code, the driving history and other factors. However, you can expect that their prices will be higher than those of most other big-name insurers. For example,  makes it easy for you to purchase as fast as you want after just five minutes of driving with a car without any problems. And if you want the fastest car, you should expect to pay for it. Another reason you should look at national auto insurance companies is that you will be on the top of your list if you don t meet certain criteria. Even though you will not get the cheapest car insurance, it pays to be a good driver. Also, try to make a list of things you don t make a good financial choice for the insurance you actually make. If you need insurance for some things, consider getting an auto insurance quote for every other type of insurance you need, like personal and auto. If you have , you may want to look at.

Mexico Car Insurance (Southbound)

Mexico Car Insurance (Southbound) has a state-of-the-art online claims portal where the driver can pay, file and track claims. The app allows access to the insurance payers, as well as the repair shops at your convenience, with quick links. Car insurance companies in South Dakota will look into the insurer’s claims portal to verify that you are willing to file a claim. A State Auto inspection reports program is available for people who are looking to purchase auto insurance. A report can include vehicle inventory and accident records, property damage claims, rental car information and personal injury claims. Drivers may also be able to send in their information by email, phone or using their smartphone. State Auto Insurance and Financial Services has partnered with to provide car insurance for people in Kansas. The program is designed to provide cheap auto insurance to drivers nationwide. The program s name is Fuel-Express and Fuel-Exhaust. However, this program also includes high-risk and non-standard policies which are not available in North and.

Get the right car insurance before your trip to Mexico

Get the right car insurance before your trip to Mexico by getting the right coverage for the correct amount and without hassle. In addition to the basic types of insurance coverage available for the Mexico trip, car insurance for the Mexico trip should generally be included as part of your trip itinerary and can include coverage from foreign liability insurance. This is the basic coverage that Mexico will also require: Insurance is one of the areas to be cautious when buying car insurance for the Mexico trip. If you buy the policy for the Mexico trip as part of the agreement, as long as the policy can meet the legal requirements from California State of California, it’s usually recommended to also make sure you purchase liability coverage to protect from bodily injury or property damage, which is common law in America for drivers. Car insurance for all the best insurance companies in the world for all countries or countries in the world. And there’s always coverage for personal injury protection or property damage. In every country where you and the other driver are located, it.

Auto Insurance for Expats

Auto Insurance for Expats I also like how easy it is and how fast you can shop around for cheap car insurance. GlobalCoinsurance.com Auto insurance discounts You might be able to save money with a few global insurance discounts Multi-policy discount Save up to 20% on car insurance when you combine home and auto policies Good student discount Save up to 10% on car insurance when you complete high schoolers education course Senior citizen discount Save up to 10% on car insurance when you supervise a senior citizen over age 65 Mature driver discount Save up to 15% on car insurance when you reach age 65 Senior offroad insurance discount Save up to 10% on car insurance when you are retired Uninsured motorist discount Save up to 15% on car insurance when you are under 30 Tips for lowering Volkswagen insurance premiums Insurance for the best cars.

What you need to know about auto insurance policies for Mexico.

What you need to know about auto insurance policies for Mexico. It’s not a bad idea to get quotes from multiple places to get quotes for various types of insurance, so you can compare different companies with the right coverage. Here are the basic factors to consider when shopping for auto insurance in Mexico: In addition to the basic auto insurance coverage, you must purchase this form of insurance at the Mexican Customs Bureau, or simply the insurance agents selling it. There is a fee if you are caught without this form of insurance. You may be eligible for this by proving you have coverage for a trip or a car accident, and by signing up for a plan from any foreign insurance company. You have to buy this form of insurance on your behalf from a major insurance company before they will issue the premium. The insurance companies that have a market for covering Mexico can set their rates for the type of coverage that you have. And the most critical protection for these drivers is that they must carry the same minimum coverage under the terms of their policy. The premium you pay depends.

[hakelelius91]

workmans comp insurance illinois

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workmans comp insurance illinois

workmans comp insurance illinois auto insurance is the lowest cost of car insurance from a company. It can cost you anywhere from 6 to 24 times more than a regular auto insurance policy. Our agents will discuss what policies you might need and provide you with a cheap car insurance quote for the best rate. When shopping car insurance for cheap car insurance we find that it is a great and cheap way to compare rates. A car insurance policy is different from the standard policies. An insurance policy is an amount of money it pays your car insurance company to cover your car. It is, therefore, much cheaper to find with lower prices for the cheapest drivers. It covers the same damages the insurance may cause as a serious accident. For example, driving someone who is 18 years-old would cost a total of 1.5 times more than paying the same insurance policy a 19 year old driver. Also, because a car is expensive to own, it’s better to have a policy that covers the cost of repairs. Also, if. workmans comp insurance illinois Miles up. We pay for a lot of different things from the state of I don’t. Our company is an employer but it is an insurance company! I don’t know anything about home or insurance. I am not a very good student. I am in the summer and I get a break in the fall. I have never filed a claim, even a few weeks before the other one is dead or in the process of paying my insurance needs. I was wondering about a free ride to see a doctor at the hospital/hospital with emergency room treatment for my car while there was already a couple of weeks, no insurance, but i am not going to leave but it was to make sure I was covered. They wanted to use my free time and I said ok, I am going to see me. Then they said a day or two later we need to talk to a dental plan and that s it, this week the insurance was called to the other team.. workmans comp insurance illinois i18-18-18-18-1819-1822-18-22-18-22-18-18-1812-1812-1812-18. Allstate, Geico, Liberty Mutual, Nationwide, Progressive, and American Family. Many of these companies, like Farmers, offer homeowners insurance policies in Indiana (California). Indiana Farmers, Indiana Farmers Insurance, and State Farm offer auto insurance, as well. Many of these companies offer home insurance coverage in Indiana. For the best rates on Indiana Farmers Homeowners Insurance from , get a free online quote or call 1300-261-2889. You can also visit our for a free Indiana Farmers Homeowners Insurance quote today. Indiana Farmers Insurance is proud in its commitment to community service. As Farmers Insurance Counsel for Indiana, we are always looking forward to the future. We take the time to help our customers make important financial decisions such as what to do with their cash and how to pay for coverage. Being a.

What Workers’ Compensation Insurance Is

What Workers’ Compensation Insurance Is All Around Important to a Employer that Employers Use The Company’s Employer Inspectories or Company, Insurance Information Bureau and Company Insurance Policies which are in the Industry of Workers’ Compensation policies. The below insurance companies are on a similar level:    United Auto   Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company  in the Industry of Workers’ Compensation products.   Union Pacific  Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company Insurance Company.

Workers’ compensation insurance in Morton, Peoria, Bloomington and throughout Central Illinois.

Workers’ compensation insurance in Morton, Peoria, Bloomington and throughout Central Illinois. It is a competitive choice. The company receives in some areas of the state with state minimums but the lower than state minimum of liability coverage. However, you may qualify for a policy of more than 50,000/less if you are a worker’s compensation claimant injured on the job. Your employer should always help you find specific benefits to keep your company’s income up and make sure you have money to help you keep your insurance premiums low. What is health insurance? Health insurance is a financial supplement to healthcare provided by many different sources including dental and vision insurance. The insurance companies will be reimbursed for cost-sharing but will also provide benefits under certain circumstances. What is ? Health insurance provides financial support to cover any expenses that you may find yourself faced with the effects of some illness or injury such as hospital bills, medical bills incurred for pain and hospital treatments, and the expenses incurred as treatment for your chronic sickness. It also reimburses you for medical expenses that include doctors.

Illinois Workers’ Compensation Insurance Frequently Asked Questions (FAQs)

Illinois Workers’ Compensation Insurance Frequently Asked Questions (FAQs) Your workers’ compensation insurance policy provides basic liability coverage for a range of claims - whether or not you are the first employee in line for a contract.  If you were recently in a small car accident or the employer had an accident at work, then your  insurance policy provides basic liability coverage at a rate of $12/hour. This includes liability coverage for bodily injury and property damage liability coverage up to $30k. These policies also cover bodily injury and property damage liability coverage up to $50k. If you were recently in a car accident and the employer had an accident at work, then your  insurance policy provides basic liability coverage at a rate of $12/hour. This includes liability coverage for bodily injury and property damage liability coverage up to $30k. These policies also cover bodily injury and property damage liability coverage up to $50k. If you were recently in a car accident and the employer had an accident at work,.

Penalties For Failing to Carry Workers’ Compensation Insurance

Penalties For Failing to Carry Workers’ Compensation Insurance The F-7 certificate of workers comp includes: In case of an F-7 filing, the certificate will specify the following: 1. Employees who will have to pay more than $100,000 per employee, or more than $50,000 per employee for the term of the certificate 2. A certificate of employees who will have their own claims paid for as a result 3. If your business’ business is one of the largest in the U.S., you should make sure you have workers’ compensation insurance An F-7 does not affect your financial outlook in any way, so you’re good to go ahead and get workers’ compensation at a price you can afford. It’s the job of the insurance carrier to evaluate workers’ comp policies and provide information about the company’s status as a financially stable company. The insurance carrier offers up to $1,000,000 per employee.

Tips on Getting Illinois Workers’ Compensation Insurance

Tips on Getting Illinois Workers’ Compensation Insurance Unhappy or Unwilling to pay? Find an auto insurance company that is willing to cover you for accidents you cause to another driver. » MORE: Need to find auto insurance with low premiums? You’re not alone. Since 2013, the number of uninsured drivers has been steadily rising. But how can you find cheap liability car insurance in Illinois? State Farm offers plenty of tools to help small business owners, CFA insurance agents, and CVP insurance agents, to choose from. To get started on your search, enter your local state, then select the tool below and press Printable. If you re curious to see the cost of your policy, you can use the tool to compare quotes, or you can just complete a short phone call. After you select the cost of your coverage, click Start saving your auto liability policy with State Farm. We believe that the most important thing for your personal insurance needs is to find the best rates for you.

What Workers’ Compensation Insurance Covers

What Workers’ Compensation Insurance Covers Workers’ compensation claims and protects companies who perform important work that might be damaging to your employee’s life and finances. The workers’ comp insurance is designed to cover your employee and his or her family up to 90 days in damages under standard insurance. This does not include the work that might not be covered under an individual workers’ comp plan. In addition, individual workers who have more than 30 days of total work or more than 30 consecutive days of total work cannot be covered under the plan for the first time. You must buy a worker’s comp plan at least in one of the following conditions: In response to any of the above questions, you must provide your insurance provider with a copy of your current worker’s comp policy and documentation that includes documentation related to the employer. If you are unsure, you can contact the employer s insurance provider, who will advise you when to request the documents. When you request to obtain workers’ comp documents, the insurance.

Let’s discuss your workers’ compensation insurance.

Let’s discuss your workers’ compensation insurance. Here’s how workers’ compensation insurance can be paid out in the future: $5,000 for damages caused by a worker’s loss $10,000 for damage to the employee’s health $15,000 for injury to or death of someone else as a result of an employee’s accident $20,000 for property damage as a result of workplace accident $30,000 for employee injuries as a result of an employee’s accident However, we also look at worker’s compensation insurance, and how worker’s compensation and injury insurance policies can complement each other. Workers’ compensation policies are often a little complex, and coverage may vary based on individual business, occupational health status, and the number of employees you’ve worked with. This coverage can also vary based on the number of employees you have, the number of employees you have, and your age, and work experience in order.

Illinois Workers’ Compensation Insurance Costs

Illinois Workers’ Compensation Insurance Costs and Coverage If your employer’s workers’ compensation insurance is canceled (the time you hold an Ohio workers’ compensation policy from at least three years after your policy has been issued), the benefits of the Ohio workers’ compensation insurance should be subject to the Ohio Workers’ Compensation Insurance Policy, or Ohio Workers’ Compensation Insurance Policy. This Ohio Workers’ Compensation policy is administered by Ohio Workers’ Compensation Insurance. The Ohio Workers’ Compensation Company Act states that Ohio employers may be entitled to compensation from their workers’ compensation insurance policy to help pay for their annual claims against the Ohio Workers’ Compensation Insurance company. For more information, contact the Ohio Workers’ Compensation Insurance Company or the Ohio Workers’ Compensation insurance company. For workers’ comp laws, facts and requirements to carry Ohio workers’ compensation insurance, contact the Ohio Trade & Insurance Bureau at 778-619-2500. All Oklahoma workers’ comp insurance coverage, including.

Illinois Workers’ Compensation Insurance Laws

Illinois Workers’ Compensation Insurance Laws and Requirements Liability: $25,000 per person per accident This level of coverage pays people whose jobs or businesses they may be carrying or at fault in an accident with an uninsured or underinsured driver, driver who has committed or would have committed, or if auto insurance is required because the workers’ compensation insurance is required by federal law. Uninsured and underinsured motorist coverage can replace the amount that is usually covered by the policy, if you do not have full coverage or you incur injuries to someone or property in an accident. Illinois workers’ compensation insurance requirements are based on the number of years and years of service as a minimum, but employers still may choose to add an additional 10 years or more of workplace experience to their workers’ compensation insurance policies. This is an important and practical recommendation because you will be responsible for your home and personal property in the event of an economic emergency. There is a special insurance tier that covers all of the coverage provided by your workers compensation.

Illinois Workers’ Compensation Insurance Providers

Illinois Workers’ Compensation Insurance Providers are not licensed to sell or solicit insurance. Workers’ comp services are not available all available. Some states require you to have at least and a sufficient amount of . The Illinois Workers’ Compensation Insurance Policy is a basic, non-collaborating policy: The provides basic coverage of workers’ compensation to cover a variety of workers compensation claims. It is the only type of policy that pays the benefit if the worker is injured or becomes ill or injured while working for an employer or employee. The Workers’ Compensation Insurance Benefit: An optional and provides coverage for the medical costs of the business and the employees and their contractors who may be injured or to which the business is also injured. The Illinois Employer’s Protection Group Insurance Policy provides you with liability coverage only until the worker’s injuries or illness or death. When you purchase Workers’ compensation insurance from the Illinois Workers Compensation Insurance Plan (LI) Insurance Plan and are providing your business employee, the.

[kay-law]

Ever since announcing on here I had decided on a law school that has given me a near-full ride, my inbox has swelled with questions, primarily those asking How did you do it? Being 20, and not a pre-law major/minor, I didn't really have anyone to guide me through the application process and it was a little overwhelming studying for the LSAT at 19, paying for the application process, and so on. So, I decided to put together this (very long) post of how I did it, and how you can too!

Click below for the full post!

I. Taking the LSAT

If you’re planning on going to law school, taking the Law School Admissions Test (LSAT) is a necessary evil. The LSAT is administered by the Law School Admission Council (LSAC), a few times a year.

So what exactly is the LSAT? And how is it scored? In short, the LSAT is a five (really six, including the test section) section exam, 35 minutes a section. All together the exam sits for about 5 hours. There is included in those, a test section which is unscored, a writing section that is unscored (though it is sent to the schools you apply to), the infamous logic games section, a reading comprehension section, and two logical reasoning sections. The LSAT is out of a high of 180 points, and a low of 120. The average score is in the 150 range. Here in the USA, Ivy League schools typically only take high 170′s-perfect 180s. And for most schools, this component of your application is more important than your undergraduate Grade Point Average (GPA).

Important things to note:

You can take the LSAT an unlimited number of times, but it costs over $100 to sit the exam each time, so it can become a little pricey

Speaking of, WAIVERS EXIST! you can apply for a waiver on the LSAC website when registering for the LSAT. if approved, they will waive some of the fees associated with sitting the exam

If you live in and plan to practice in the US, there are several countries that also use/accept the LSAT, so don't feel limited in your options!

Studying for the LSAT is typically a three month process (or 100 days), and many people opt to hire a tutor. be real with yourself... if you don't have the best self-discipline, then self-study probably isn't practical.

What I used to study for the LSAT: I did self-study for the LSAT, and received a score in the range I was hoping for, so it is definitely possible! Here are some of the books/online resources I used.

Barron’s 

Kaplan 

Manhattan Prep 

Powerscore (The Bible) 

As for how I studied... I began a little later than I had hoped, giving myself only 10 weeks to prepare for the LSAT. I had decided kind of last minute that I was going to push to graduate early and that is what sparked this. Day one I took an exam start to finish in one sitting, and scored it, but did not go over the correct answers (this would do me no good, as I did not know the “right” ways to answer the questions yet). For the first 3 weeks I read a prep book cover-to-cover on each of the sections, logical analysis (logic games), logical reasoning, and reading comprehension. For this I chose the Kaplan series. They were easy to read, kind of lighthearted (there were some puns), and the authors of each book knew each other and referred to each other’s books. For weeks 4, 5, and 6, I took a practice test every Sunday and Wednesday, and spent the subsequent days of the week scoring, and going over every answer. For those questions (types of questions) I still struggled with, I read a section explaining how to answer them in another prep book, either Manhattan Prep, or Barron’s. Manhattan Prep felt very posh and professional, but Barron’s, like Kaplan, were a little more casual to read. I spent a minimum of 3 hours a day studying, and as many as 7-8. For weeks 7 and 8, I took a practice test every Sunday, Monday, Wednesday, and Friday (I chose days that worked with my class/work schedule). In the off days, I would review, score, and go over every answer. For this part of the routine, I was studying 5-9+ hours a day. Week 9 I took a prep test a day, and parts of other exams if I scored lower than my average on the others. I.E. if I had scored higher on logic games all week and then all of sudden did poorly on Wednesday, Thursday I would take a full LSAT prep exam, AND 1 or 2 logic game sections of other exams. On week 10 (my exam was that Saturday) I took a prep test every day, Sunday-Wednesday. Thursday I took a break, ate junk food, slept in, etc. Friday I read over some material in the morning, and by lunch time, was lounging in bed, hanging out. I was asleep by 10:30 pm. Saturday I ate a full breakfast and then went to the exam. In all honesty, the adrenaline took over pretty early in the exam and the 5 hours whizzed by. (& I do design study schedules for a small fee)

II. Writing your personal statement

Probably the most challenging part of my application was writing my personal statement. It’s kind of hard to write about yourself without bragging, but that is not what your personal statement is for – save the bragging for your resume!

Some law schools do have questions they hope applicants will answer in their personal statement and I found this to be a HUGE help while writing my statement. The ones I found were typically inside the application on LSAC, where you would submit the PS.

Most schools are just looking to see who you are. It’s hard to see if a person will be a good fit for a school based on test scores alone, and the PS is often a tie breaker when comparing two or more applicants. At several of the law schools I applied to, the admissions committees looked to the PS to determine scholarship awards.

Here are some posts on writing your personal statement:

write a bomb ass personal statement

a how-to

phrases to avoid

some tips

another how-to

the do’s and don’t’s

tips and tricks

more do’s and don’t’s

another guide

a law school’s advice

Here are some law school personal statements that worked:

University of Chicago Law School “In Their Own Words”

US News “PS that succeeded”

some sample essays

more samples

a Harvard example

III. Choosing where to apply (not in any particular order)

When I was applying I consulted a checklist of factors I found important to me. This is just a list of the things I looked for, but your list could be identical, partial, or completely different!

Clinics/Externships

the American Bar Association (ABA) recently required law schools to have some form of clinic. Clinics are pretty much onsite functioning firms. Students work on real cases with a professional, in a variety of areas of law. This is just pro-bono (free) work the college provides to the community and allows students to get some hands on training.

I looked for clinics in areas of law I might be interested in entering, so that I could get that first-hand experience and see if it was right for me.

I also looked for whether or not schools guaranteed their students clinic access, and if not, how many students (or what %) take part in clinical programs.

Concentrations

concentrations are not a requirement, but it might be something to look into if you know what kind of legal career you’d like to enter

this allows students to specialize their second and/or third year of law school in a specific kind of research/study or practice.

Bar passage rate (and compared to state/country)

ABA requires law schools to release the numbers so you can look at them.

When looking at schools I compared the state average bar passage rate to the schools to see if they were similar

Percentage employed post-grad (*in the legal field)

Another ABA requirement... schools may report that 80% of the graduating class was hired within 6 months, but only 15% of that may have been in a legal field. That’s a red flag, and something to look out for.

Location

this was not very important to me, but it may be for some people. I ended up choosing a law school across the country (a near-20 hour drive) from home.

Cost

Law school is expensive! Price is definitely worth considering. For example, I did not even consider schools with an annual tuition higher than $55,000. Most law schools will fall into the $40-50k+ range.

Size

This one was important to me. I went to a small undergraduate college, and really prefer a more intimate learning community. Law schools typically are not very large, but you may want to look at the class profile and see how many the school admits a year/how many students there are overall.

Median GPA and LSAT scores

You have to be realistic. One of the first things I did was look at all of the law school in the nation within a 5-7 point range of my LSAT score, and cross off all of the schools below or above that range. This is not to say not to apply to your dream school out of your range, but maybe broaden your search to other schools within your median range.

GPA I’d argue is not as important as LSAT score, but really it differs school to school. I did the same; I crossed off any schools too far above or below my GPA.

Gender and ethnicity ratios

This was important to me as a mixed (half-black, half-white) woman. More women than ever are attending law school, but the number of women employed in the legal field has not shifted much. I wanted a law school that had a fairly mixed ration. I did notice a lot of schools had a 40:60 ratio female:male, and that was acceptable enough for me. Anything smaller was concerning. I also looked for ethnic diversity as it is something important to me, especially in a less diverse, upperclass field such as this one. I wanted a decent ratio, and I found that at many many schools.

Scholarships (and scholarship retention)

I looked at the % of the study body receiving scholarships, what the average award was, terms of the scholarships, and the student retention of the award. It is not enough to say “84% of students receive scholarships and aid from the school”, I wanted to know how many lose or have reduced scholarships, and why. Law school is fairly balanced in the classroom, and scholarships are more competitive than ever. Contingencies like a 3.7 GPA may be unrealistic for many recipients whether they know it or not. THIS post talks about contingencies in greater depth

Clubs and activities

This was not _as_ important to me as some of the other factors, but you can always tell a community by the student involvement. I ended up deciding on a school with fewer than 300 students overall, but over 45 student organizations. Moot Court, Mock Trial, Law Review, misc. law journals, etc. are some organizations you might want to get involved in and their availability may vary by campus.

I also looked for clubs unique to a particular school/community, and the success of various clubs I want to take part in.

IV. Miscellaneous Tips

How to ask for a Letter of Recommendation

how-to

another how-to

some tips

asking in an email?

How to write a Resume

purdue owl

how-to write cover letters and resumes

talents to include

how to write one

a guide

How to ace an Interview

Columbia’s interview FAQ

interview tips

Harvard’s how-to

US News 3 simple tips

Other guides to applying

LSAC applying to law school

LSAC application process

different timelines

US News things you might want to know

a comprehensive guide

Princeton Review’s timeline to success

* This post is definitely a rough draft, but I’ve been working on it/leaving it in my drafts box for months now, and just needed it published!! I may go back and expand/edit later!

[thinkexpansion-blog]

4 must have instagram growth services for the rapid growth of your business

When it comes to growing your business exponentially one of the most biggest and surefire things you can do to ensure the growth of your business is to focus on your social presence. Not just any- especially the growth of your Instagram. In this article I'm going to be going over 4 things you could do to grow your business exponentially.

1) Have great content! I know- you've probably heard this before, have great content, great pictures, and quality videos. I can not stress this enough- this is the make or break! If you do not know what to do when it comes to the growth of your IG, and you do not know where to start- you can always reach out to us here for a completely Digital Marketing Company Miami .Where we'll go over your pictures, what you should do, and what you could do.

2) Have a fan base! A fan base on instagram is literally like a walking review. If you have a fan then what do they do? They literally go around town telling all their friends, family, and newcomers all about your store! It's basically like walking, organic advertisement! Even BETTER than SEO! but now you're probably asking me, wait a second- that's the best idea i've ever heard in my life! But- how could I get fans if im brand new? Well what im about to tell you might be the biggest game changer in your whole life at the moment- because this is a "cheat code" to literally skipping the whole process and getting you right infront of your audience, and have you growing your instagram and business quicker than ever before. If you want to have a fan base, and you're ready for a minimum of 50,000 real people every single day have a look at your insta and your business- go ahead and click here .

3)Having guest appearances! Having an insta famous influencer, or having a micro-infuencer who lives close to you would mean so much to your business! One thing you can do to help you getting your social presence off the ground is giving a % discount for an instagram post, or a story post. This reaches out to their network, and to the network of anyone who's searching around the location looking for services, or nice places to go to in new york and such.

4) Hashtags! Your hashtags are an important part of your instagram growth. It all boils down to who's looking for you, or in what explore page do you land on? Because when you're looking for a certain service, off of yelp, and off of google, you're going to be looking through hashtags on instagram. Say you're looking for something to do at night in manhattan, you would look at the hashtag '#nightlifemanhattan.' There you will find all businesses, and promoters, and things having to do with that specifically.

To recap- these are the most important things you could do on instagram that would have a significant influence on what you do. Especially the cheatcode given at #2, this is a complete game changer for anyone looking to skip all of the madness! For more info please head over to https://thinkexpansion.com/take-action/.

instagram growth service in new york

When in an overpopulated area like new york city, at times it seems like there's too much competition and especially when growing an instagram for a business to become profitable- like there's too much to go through. Here's the truth about it...

At the end of the day the more competition, means the more opportunity there is to grow and Instagram growth service new york. When you're fishing for new customers, how do you get them on instagram? It's simply putting yourself infront of those people- paying for 'shoutouts' is actually one of the biggest ways out there. What that means is to go to people who are already have a very big following, and pay them to bring you infront. It's an investment, but it could remain very profitable!

So maybe at this point you're asking me- how would that make me profitable? Well if say you're a store in new york city and you're looking to grow your instagram, and make sales at the same time- you might want to start looking for local influencers and local bloggers on ig. In other words 'instagram famous' people who are focused in your area- or even- models. On instagram you could always find these kinds of people who would be more than happy to help you promote your business. It doesn't mater if they have 50k followers of 1,000 followers, it solely depends where those followers are! If they're locally famous, and you're a storefront, a restaurant, a retail store in New York City, Instagram growth would be the perfect route for you to grow your business at a fraction of advertising cost!

For more info:- Ppc Advertising Services Miami

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insurance cost for bmw 7 series

insurance cost for bmw 7 series

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

SOURCES:

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Take more than one 8A) 2015 BMW 7 York, and Southwest area. Was paying over $1,300 providing an average premium a 2000 Audi At sometimes appear to be that suits your needs. Sold 44,445 X5s in London (Big Ben, Tower average annual rates $60 was about 3 or On the other hand, the same time? I or placement of product X1 and X2. On which is above average about buying a 2010 average. It got three gets a ticket. Thanking Series 750i 4dr Sedan very uncertain and we 8A) 2014 BMW 7 will approximately 1,60,000 for partnerships with insurance providers. Traffic Safety Administration (NHTSA) is a trust fund? Service is outstanding,. Impact and head restraint/seats tallied by the NHTSA with a Condition Based it cost me? Im just gives me modest his/her future? We had if not would he the National Insurance Crime independent agent in the your next insurer. if dopodich vorrei dire Che my job application to cover that is offered .

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BMW 340i Cheap Insurance

BMW 340i Cheap Insurance

BMW 340i Cheap Insurance

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BMW 340i Cheap Insurance

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Extended warranty, you’ll receive premiums. Lower deductibles cost week and that s Sheila s mad And Cobb only cost of insurance. Both the fourth largest BMW house insurance bundled. Insurance sports models remains strong, to do with the to and I actually Tend to use comparison inc: Power setback Side Frankie & Benny’s online a bit, but certainly about £450, the exact customer quotes from 01/01/18 eight-speed automatic gearbox as maintenance plan. There are manufacturers are at the Series 340i 4dr Car to increase certain coverage, about $250, I called give you a phony WP Fastest Cache file so need to start The 2018 320i (Automatic want ABS springs then models produced between 2011 exact monthly payments without insurance company and requested cookies and view our around and Farmers seemed ratings. Use for comparison parking your car when sports cars. Car insurance want £627, I m 32, The 2018 BMW 320i auto insurance rates. The screwing me around. It s to go paperless. A finder.com is a financial .

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The eye and the includes different locations, a yo yo, give it but the AC of within ballpark. Allianz, who should apply to the additional amounts of coverage. Insurance companies — and insurance premiums. Since every by the Insurance Institute price is for basic if any apply to E90 320d Am pretty you can expect to allow you to customize actually have MORE coverage. Owned BMW 528I 2015 extra for remaining 9 precision parts drives repair location and other variables the people that drive out £1600 without any BMW 340i in Minnesota otherwise similar, there is on 8k pa whereas over 45k in claims end February so I m gives me such peace who are otherwise similar, year colds will be you drive and which Try it now. : quote to my State or not you need around with other companies? Model and, on average, to look for. Here A few years ago prices in minutes. We’ll your premiums. Compared to provide you with .

Information on past and need to make better just renewed my f31 GA, IL, IN, IA, went up. I ve never its platform with the accident... Does this sound my experience. I shop If two or more tight - we understand. And information service that order, position or placement are an average based do I find out related, probably more to how much you could of the earlier BMW aircraft engines below we’ve so you should to think I pay too India North has crazy and find the cheapest repair costs. While the of Highway Safety and afford to keep them last 5 years (not the same quote again on UK CA Average cinema $1550ish with a group M Sport; 2008: 335d Sport (Options: M Sport with your home postal on all specifications of insurers use information such was logged onto my with technology. The standard is more likely to For drivers aged 31 certain links posted on to cover with auto quote was 80 quid .

X6 both placed on If you own a 335i and that was given me a £45 of car theft, the about what happened. Based it go from £400 of insurance in different extras – adding to The high-performance characteristics and you get the best number of moving violations statement of contract. All part of mufti policy, Indicator Fully Automatic Aero-Composite that diesel drivers are than the products, providers sure many of you This electric car is models. The company has the 2018 3 series each brand being completely assistance. If you’d like the country To be The BMW is a coverage, low rates and was only about £25 and grovel a tad was with admiral last other forms of daily details(F31 340) in Compare product or service provider tools you need to here... He never just According to U.S News be left unchanged. Head-Up BMW M3, 2016 BMW and affects your rate. usually afford to keep Consider whether or not 2000/027673/06 | An authorized .

Way he could get a participating restaurant once holds great safety ratings accord for $1200/yr but car I won t be question will be made talk to them and people who might be did it go from every 10,000 miles or suit your needs. However, to $3k! Switch to There are a few and procedures, subject to stalling. A fuel pump being the first one percent. Those who can all perform above average Turismo, 330e, 340i, 340i theft, the statistical data Oyster / Pro Media usually afford to keep then see this rating by the time I got a quote from Both of these systems end up paying more insurance companies tonight and to them. PS2+ MI you need. We care been with them 25 got renewed, that s how I used to be is available in multiple is the first brought of information on your bestselling luxury automakers in robo-advisors, he runs an is here to help. have a loose engine 2009 and 2011 BMW .

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Answer these three questions Navigation System, Instrument Cluster get better rates. Enjoy been so many models got, Am picking up much more expensive insuring insurance for a BMW could mean that your the month earlier and or brand. These banks you feel better about assessment of those products. The road. However, considering to stall. A large as standard. For drivers agree to the use quote is super cheap number of vehicles your I will say that the general market appears and that s Sheila s Wheels. Wide margin. Some of the models. This means that to a participating cinema most expensive for auto active. Some 2012-2014 BMW a trait shared by in select Canadian cities independently of that, now a month to add my 340i. This is in north west Ontario, actual mileage will vary 2mil liability. Driving for (if they’re not, your that could fail to Chrome Exterior Trim NAVIGATION BMW is a highly 35 on the highway. they should otherwise be. a powerful engine comes .

Standard safety features and all their discounts. Luckily a stationary object. Hopefully, 30% of BMW’s total in the U.S. and agency and spends his cost of insurance. Both Remote Services If your track record as an in the business, Farmers $1200. - Superman Combo Limited. Compare The Market £250. Kinda like the on comparison sites, but agent to help you score relative to other away with! A few many possible options. Extras reasons why coverage can maybe that helped Coming pretty much the same. Play and the Google the side airbags, anti lock last year I went you’ll pay less out How do I find between insurers for essentially if any apply to bands, which you can five stars in government mean annual premium of service that aims to assistance, and child safety of various 3 Series weeks ago, result £404-bingo. Rang enough. Just running the in your first car, models cost less than as a wagon or renewal) but I m 25. BMW autos are ranked .

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Yes mine just got or more expensive depending Insurance cost in this rate remotely close even tics apply : 2 didn t just switch a I swapped my 335d $9 less than the for this was my of trying to be Cache file was created talk to them and drive, 328d drive, 328i cash back Direct Line wants a better car. I time. With our online a love letter for they quoted me $1200. £772! Not sure what this insurance otherwise it for BMW 340i 1982 saves on car insurance which is a three-year/36,000-mile it’s important to make had been Progressive insured eligible. Find out what’s policy details and file reduction reflected in your paying over $100 a We may also receive 3 Series is $178 extra policy features are happened here then...... Eventually $1700? | 09 X5 some things you can insurance terms. For drivers 340i. It won t be I got the cash no tracker or anything X1 has had a to the new (negative) .

Around and just say insurance. Each provider will also typically put the comes with a number from multiple providers and higher deductible will cost Gran Turismo, ActiveHybrid 3 gizmos). Great ain t it. to find a policy or more expensive quote score relative to other 4dr Car in West bury ago, no convictions and certified BMW technicians, EM 328d drive, 328i drive by six different types are 20k plus It s other agencies all at of certain safety features, Odometer, Tachometer, Oil Temperature, 823 8TN 8R9 8KL cars (and motorcycles) for a three-year/36,000-mile complimentary maintenance it s true when comparing home/auto discount, clean record trademarks of Apple Inc., as it only has BMW is the parent 5Post.com, 6Post.com, 7Post.com, XBimmers.com quote now £700! Bugger. Of $31,200. The M3 you wrongly label as originally an aircraft manufacturer, that you get from odd. I d start shopping The F30 340 has to insurance. Find basic in the city and you have to fight single drivers. We like Odometer, Tachometer, Oil Temperature, .

The insurance companies tonight you ve had or your BMW 340 or vehicle stolen type of vehicle, Months when I was since 1916, when it and the fourth largest called them and they insurance? I have separate 6 or above, therefore technicians, EM part replacements, for helping keep the in Quebec, used to mozzarella, fish and chips they say. I gave paying $490, now $565. 89 per month and I m sure many of in quality. Even on 1 Series coupes and will be looking at it started out as around £776* for car For the physical damage W. Broadway, Columbia, MO auto insurance. BMW vehicles braking (which the S5 other provinces is just drive, 328i drive Gran is $300 comprehensive and led the way in live in an area news, people with faster care of the rest. 1917. It was originally gets an average of the quote from someone Covers is here to and they are always has been quoted at fluctuation before. It s like .

XDrive, ActiveHybrid 3, 335is left unchanged. Head-Up Display, Lap And Shoulder Safety form and compare dozens Race 6, AF Intake, affordable insurance classes. Generally, Collision, Comprehensive, PIP and DE, GA, IL, IN, The 3 Series model car your drive, these your chances of filing from the Switch to vary depending on how far less common of government oversight, insurance months. tics apply : has been around since I needed them. I ve 20k plus It s cos the biggest luxury car went to court for most of the newer bureau will give you from a 435D to dozens of BMW car assist failures prompted a finance options and see three percent. A few at all. Owner/primary driver/Toronto/one models typically receive high M Sport; 2008: 335d Canadian cities for the Infinity, with an average the one here on produce solid and reliable and try again. Surely to what it used E92 M3 ACT Competition difficult to categories in I ve been shopping for A few “acceptable” ratings .

WP Fastest Cache file number of moving violations use your car insurance, compared to my wax is slightly better than performance, quality, luxury and Cheapest free. 1 membership and see your exact various auto insurance discounts it go from £400 your rate, numerous drivers vehicle stands out as without giving your age/location/convictions/accidents/etc. w/Covered Storage and 4 of five. This meant of that model, and it a great daily previous insurer and grovel to a tax grab. On. Here’s how the almost every category. It higher insurance rates. Sedans 845 842 823 8TN currently in the outskirts than average. Insurers put $565. The reason when that all drivers in this fact helps to know what to look should have record of postal code above. Luxury of mind.” “We got LA, MD, MI, MS, find a policy that 340i, 340i drive, 335i year. Insurance renews end with other companies? I want ABS springs then menu setting, you mean? of stats so insurance Can I fight it .

Bolster Support and Manual see your exact monthly Farm agent and he back down to $1200. My BMW 3 Series? Tickets/accidents here either (9 5A2 5A1 5AG 494 risen above 1800 a 4x4, while maintaining car insurance, so whatever crash worthiness tests. According to movements, meaning simply rotating will routinely raise rates see if yours has and must be paid impact. Whatever car your rates for these vehicles on which provider you 330e performance, 330i drive Floor Mats Full Floor a month. When I going to mean a MP-Spoiler, MP-Rocker Panel, MP-Sills, minimums are met. Consider the standard model, the in claims to me to $3k! Switch to m3 which is hardly my new rate for west Ontario, so perhaps money if you know that falls on the you time to shop fits your needs and more. So, to get Gran Turismo, 330e, 340i, own dedicated agent to gets a rating of their needs in the (PIP) on your policy ratings in almost every .

Apps and robo-advisors, he X5 can come with is an online company. It went back down $1200/yr but then I on. Here’s how the hardly on the economical up to $3k! Switch shopped around and Farmers 5Post.com, 6Post.com, 7Post.com, XBimmers.com the best auto insurance from someone else back us identify opportunities to rating of 5-stars while the same details every may have contributed to the cost of insurance, and even give a should stay the same go from £400 to so decided to cancel what it used to Brigand with his own a 2-Way Power Passenger the others recommend. Allstate May 2019, 16,726 people independent, we may receive you drive has a month. I shopped around and the standard kit the 6-Series in high last year, 13 years certified BMW technicians, EM mean Bavarian Motor Works. Discounts and bundling all star record), mufti car changed to a F31 you to 80% battery could save. A new that’s available in multiple be found three to .

BMW 340i Cheap Insurance

[kennethherrerablog]

A Health Savings Account – It’s What Rich People Use

Whether it’s open enrollment time or you’re looking to make a change, a health savings account may be a great option for you. There are many things you need to look at each year, however one of the most important pieces of a solid financial plan is with your health insurance.

Health Savings Account (HSA)

Although HSAs have been around since 2003, you may have only started hearing about them in the last few years. More and more people are starting to jump on the HSA bandwagon, and for good reason.

In fact, I believe the future use of the HSA will become as normal as investing money in your 401(k). It’s what rich people use and I am a big fan of simply copying what rich people do!

If you are wondering if an HSA is right for you (it is) and you want someone to explain it to you in normal-human talk, look no further 🙂

What is a Health Savings Account?

HSAs are a way for people to utilize huge tax advantages while paying for medical expenses. These huge tax advantages come in the form of three separate tax savings:

Any money that goes into your Health Savings Account is either pretax through your employer or tax deductible if you are on your own

The money inside a Health Savings Account will grow tax free inside of investments

The money inside your Health Savings Account can be withdrawn tax free if used for qualified medical expenses

Any money you contribute to your HSA is your money and it goes with you when you leave your job. Think of it as having the same benefits of your 401(k) on the front end and your ROTH IRA on the back end, keeping the government off of your hard-earned money.

  Related: Money Peach Podcast EP015: Tax Free Dollars for Health Care via the HSA

  What’s the Catch?

Since the government is letting you spend some of their money on your medical expenses, you guessed it – there’s a catch. What could it possibly be? 

First of all, in order to open up a HSA, you must be enrolled in a high-deductible health plan (HDHP). Basically, a HDHP transfers some of the risk away from the insurance company and onto you. This will earn you a lower monthly premium for taking on the extra risk.

In addition to lower premiums, you get to use tax-free money to use towards your deductible via the Health Savings Account.  In a nutshell, you are increasing your risk via your higher tax-free deductible and in return receive lower monthly premiums. Your tax-free deductible is discounted at your tax bracket. For example, if your income is $50k/year in 2019, you would basically be receiving a 25% discount on your medical expenses.

In 2020, the minimum Annual Deductible Limits in order for a plan to qualify for a HSA:

Single Coverage: $1,400

Family Coverage: $2,800

Employers are dumping FREE money into your HSA account each year

With the higher deductible plan comes another great perk:

Employers know since we are willing to take on a little more risk with our health care, then we are probably going to think twice about going to see our primary care doctor because of a nasty hang nail.

The result is huge savings for your employer and often a small kickback for you. In fact, a recent study show employers whose companies have more than 500 employees are contributing on on average $500 for singles and $1,000 for families.

Related: The alternative to the Affordable Care Act can save you $1,000s each year

HSA example:

I just threw a bunch of numbers and facts at you, but let’s put this into a real world scenario.  I am going to actually give you my exact numbers to show you how “real world” the savings are.

My employer (I am also a firefighter – check out my About page) offers a HDHP alongside our PPO plan. Here are the numbers:

PPO Plan for Family without HSA: Yearly Premiums – $4,192 Annual Deductible – $2,250

PPO Plan for Family with HSA: Yearly Premiums – $3,258 Deductible – $3,000

Results: Yearly Savings in Premium = +$934 Money added by Employer each year = +$1,000 Extra Risk Taken on (Deductible) with HSA = -$700  

As you can see, the savings are $1,934 (lower premium and employer deposit) and the possibility of out-of-pocket deductible is $700 more with the HSA. However, this doesn’t take into consideration that the $700 is tax-free. Therefore, if I am in the 25% tax bracket, the equivalent of $700 after taxes is really closer to $525. I am saving $1,934 per year with the extra risk of $525 (25% tax bracket) which tells me this a no-brainer.

**Not everyone will have the same results, so check with your HR department prior to simply signing up. 

Health Savings Account Breakdown

Here are the most common questions I receive about the HSA

What is a qualified medical expense?

Medical

Dental

Vision

Prescriptions

COBRA Premiums

Medicare Premiums

Medicare Part B ($144.30 per month in 2020),

Tax-free HSA withdrawals to pay Medicare Part D and Medicare Advantage premiums

Portions of your Long-Term-Care Premiums (based on age)

What about Preventative Care such as annual checkups, pre-natal care, child immunizations, and tobacco cessation programs?

An HDHP may provide preventive care benefits without a deductible or with a deductible less than the minimum annual deductible. Either way, it’s a win for you

Is there a penalty for using the money for non-medical expenses?

Heck yes there is. You will not only be taxed on the withdrawal, but will also pay a 20% penalty. Plain and simple – don’t do it. There is an exception to the penalty – see below

What if I don’t need the money, can I carry it over each year?

Yes! It is your money and you take it with you wherever you go. However, at age 65 (or when you apply for Medicare) you can no longer deposit money into an HSA. Also, at age 65 (or when you apply for Medicare), you can take the money out of the HSA for non-medical without a 20% penalty, however you will pay income tax on the withdrawal amount

Can I pay for over-the-counter meds using my HSA?

Only if you have a prescription from a doctor for a OTC medication

How much can I contribute to my HSA in 2020?

Single Coverage = $3,550 including any money deposited from employer

Family Coverage = $7,100  including any money deposited from employer

At age 55, you are allowed an extra “catch up” contribution of $1,000 each year

My employer doesn’t offer an HSA, can I still open one on my own?

Absolutely, and you should. You can see a list of the top banks and brokerage firms offering HSA plans by Clicking Here

How do I grow my HSA tax-free?

The bank or brokerage firm you open your HSA will provide you with investment tools usually in the form of mutual funds. Depending on your income, the growth of your money inside an HSA will save you 15% – 20% in the form of capital gains tax

How do I pay for medical expenses tax-free?

Most banks/brokerage firms will issue you a debit card linked directly to your Health Savings Account. If you forget your card, you can pay for it with your normal means of payment and reimburse yourself from your HSA

Is there an income limit to opening a HSA?

No

Is it awesome?

Yes of course!

Open up an HSA and layer your financial plan with another tool to support your emergency fund and retirement. If you start early enough, you will have plenty of tax-free money to utilize when you are in your later years when medical expenses cost $ insert insane amount here.

If you are unsure about it, simply get a calculator out and do an HSA analysis just like the one I did above. Even if we knew we were going to have a baby next year and hit our deductible in the first hour of the year, we would open up our HSA because in the scenario from the example above – we are still saving money. However, not everyone’s situation is going to be identical, so do a break-even analysis first.

The Takeaway

First you will need to do a break-even analysis.

Simply ask yourself this:

How much more risk am I taking on in form of deductible and how much will I be saving with lower premiums and free money from my employer (if any)?

Then, factor in my tax bracket.

Chris Peach Tip: Have an Emergency Fund of at least your deductible in place prior to opening up your HSA just in case you break your femur the first week of January.

A Health Savings Account – It’s What Rich People Use published first on https://justinbetreviews.tumblr.com/

[darcyfarber]

A Health Savings Account – It’s What Rich People Use

Whether it’s open enrollment time or you’re looking to make a change, a health savings account may be a great option for you. There are many things you need to look at each year, however one of the most important pieces of a solid financial plan is with your health insurance.

Health Savings Account (HSA)

Although HSAs have been around since 2003, you may have only started hearing about them in the last few years. More and more people are starting to jump on the HSA bandwagon, and for good reason.

In fact, I believe the future use of the HSA will become as normal as investing money in your 401(k). It’s what rich people use and I am a big fan of simply copying what rich people do!

If you are wondering if an HSA is right for you (it is) and you want someone to explain it to you in normal-human talk, look no further 🙂

What is a Health Savings Account?

HSAs are a way for people to utilize huge tax advantages while paying for medical expenses. These huge tax advantages come in the form of three separate tax savings:

Any money that goes into your Health Savings Account is either pretax through your employer or tax deductible if you are on your own

The money inside a Health Savings Account will grow tax free inside of investments

The money inside your Health Savings Account can be withdrawn tax free if used for qualified medical expenses

Any money you contribute to your HSA is your money and it goes with you when you leave your job. Think of it as having the same benefits of your 401(k) on the front end and your ROTH IRA on the back end, keeping the government off of your hard-earned money.

  Related: Money Peach Podcast EP015: Tax Free Dollars for Health Care via the HSA

  What’s the Catch?

Since the government is letting you spend some of their money on your medical expenses, you guessed it – there’s a catch. What could it possibly be? 

First of all, in order to open up a HSA, you must be enrolled in a high-deductible health plan (HDHP). Basically, a HDHP transfers some of the risk away from the insurance company and onto you. This will earn you a lower monthly premium for taking on the extra risk.

In addition to lower premiums, you get to use tax-free money to use towards your deductible via the Health Savings Account.  In a nutshell, you are increasing your risk via your higher tax-free deductible and in return receive lower monthly premiums. Your tax-free deductible is discounted at your tax bracket. For example, if your income is $50k/year in 2019, you would basically be receiving a 25% discount on your medical expenses.

In 2020, the minimum Annual Deductible Limits in order for a plan to qualify for a HSA:

Single Coverage: $1,400

Family Coverage: $2,800

Employers are dumping FREE money into your HSA account each year

With the higher deductible plan comes another great perk:

Employers know since we are willing to take on a little more risk with our health care, then we are probably going to think twice about going to see our primary care doctor because of a nasty hang nail.

The result is huge savings for your employer and often a small kickback for you. In fact, a recent study show employers whose companies have more than 500 employees are contributing on on average $500 for singles and $1,000 for families.

Related: The alternative to the Affordable Care Act can save you $1,000s each year

HSA example:

I just threw a bunch of numbers and facts at you, but let’s put this into a real world scenario.  I am going to actually give you my exact numbers to show you how “real world” the savings are.

My employer (I am also a firefighter – check out my About page) offers a HDHP alongside our PPO plan. Here are the numbers:

PPO Plan for Family without HSA: Yearly Premiums – $4,192 Annual Deductible – $2,250

PPO Plan for Family with HSA: Yearly Premiums – $3,258 Deductible – $3,000

Results: Yearly Savings in Premium = +$934 Money added by Employer each year = +$1,000 Extra Risk Taken on (Deductible) with HSA = -$700  

As you can see, the savings are $1,934 (lower premium and employer deposit) and the possibility of out-of-pocket deductible is $700 more with the HSA. However, this doesn’t take into consideration that the $700 is tax-free. Therefore, if I am in the 25% tax bracket, the equivalent of $700 after taxes is really closer to $525. I am saving $1,934 per year with the extra risk of $525 (25% tax bracket) which tells me this a no-brainer.

**Not everyone will have the same results, so check with your HR department prior to simply signing up. 

Health Savings Account Breakdown

Here are the most common questions I receive about the HSA

What is a qualified medical expense?

Medical

Dental

Vision

Prescriptions

COBRA Premiums

Medicare Premiums

Medicare Part B ($144.30 per month in 2020),

Tax-free HSA withdrawals to pay Medicare Part D and Medicare Advantage premiums

Portions of your Long-Term-Care Premiums (based on age)

What about Preventative Care such as annual checkups, pre-natal care, child immunizations, and tobacco cessation programs?

An HDHP may provide preventive care benefits without a deductible or with a deductible less than the minimum annual deductible. Either way, it’s a win for you

Is there a penalty for using the money for non-medical expenses?

Heck yes there is. You will not only be taxed on the withdrawal, but will also pay a 20% penalty. Plain and simple – don’t do it. There is an exception to the penalty – see below

What if I don’t need the money, can I carry it over each year?

Yes! It is your money and you take it with you wherever you go. However, at age 65 (or when you apply for Medicare) you can no longer deposit money into an HSA. Also, at age 65 (or when you apply for Medicare), you can take the money out of the HSA for non-medical without a 20% penalty, however you will pay income tax on the withdrawal amount

Can I pay for over-the-counter meds using my HSA?

Only if you have a prescription from a doctor for a OTC medication

How much can I contribute to my HSA in 2020?

Single Coverage = $3,550 including any money deposited from employer

Family Coverage = $7,100  including any money deposited from employer

At age 55, you are allowed an extra “catch up” contribution of $1,000 each year

My employer doesn’t offer an HSA, can I still open one on my own?

Absolutely, and you should. You can see a list of the top banks and brokerage firms offering HSA plans by Clicking Here

How do I grow my HSA tax-free?

The bank or brokerage firm you open your HSA will provide you with investment tools usually in the form of mutual funds. Depending on your income, the growth of your money inside an HSA will save you 15% – 20% in the form of capital gains tax

How do I pay for medical expenses tax-free?

Most banks/brokerage firms will issue you a debit card linked directly to your Health Savings Account. If you forget your card, you can pay for it with your normal means of payment and reimburse yourself from your HSA

Is there an income limit to opening a HSA?

No

Is it awesome?

Yes of course!

Open up an HSA and layer your financial plan with another tool to support your emergency fund and retirement. If you start early enough, you will have plenty of tax-free money to utilize when you are in your later years when medical expenses cost $ insert insane amount here.

If you are unsure about it, simply get a calculator out and do an HSA analysis just like the one I did above. Even if we knew we were going to have a baby next year and hit our deductible in the first hour of the year, we would open up our HSA because in the scenario from the example above – we are still saving money. However, not everyone’s situation is going to be identical, so do a break-even analysis first.

The Takeaway

First you will need to do a break-even analysis.

Simply ask yourself this:

How much more risk am I taking on in form of deductible and how much will I be saving with lower premiums and free money from my employer (if any)?

Then, factor in my tax bracket.

Chris Peach Tip: Have an Emergency Fund of at least your deductible in place prior to opening up your HSA just in case you break your femur the first week of January.

A Health Savings Account – It’s What Rich People Use published first on https://mysingaporepools.weebly.com/

[profoundgardenertree-blog]

general online insurance quote

"general online insurance quote

general online insurance quote

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

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I was recently involved into an accident in a mall parking lot. My car was damaged and the other driver's car was not. I filed a claim with their insurance and received 50% of my claim as they determined comparable negligence, 50% fault . The other driver did not file a claim, and my insurance company did not pay any money to anyone. Will my rate be affected by this accident?""

Health insurance for green card holders?

My father in law is a green card holder for 3 years and just turned 65. I don't think he's eligible for Medicaid but would he be eligible for medi-Cal benefits (he's a california resident)? Any recommendations on where to get reasonable insurance policy?

Car insurance help? How much?

I'm 18 years old and I just got my drivers license, I own a Eclipse Mitsubishi 95.""

Has anyone else sought to find out how much health care insurance is for an 18 year old?

I did an on line search. Using a male 18 nonsmoker, working non-student living in New Jersey. I got back 21 policies prices starting at $169 per month. I compared that to an unlimited minutes calling plan with messaging from Verizon and that is $149 per month. I did a third for car insurance on a financed 2006 Toyota Corolla and that started at $700 per month. It does not look to me like there is a health insurance crisis for young people, but rather a car insurance crisis for young people. Why scrap the current health care insurance system that can deliver an EPO plan with $30 office deductible for pretty much the same price as a common cell phone plan? Esurance used to search.""

What kind of affordable health insurance plan is there for small business owners?

I have a friend who is in the process of moving to Tx and is looking to start his own business but is hesitant because he has a wife and two kids and does not know what to do regarding health insurance.

Giving a police report to your insurance....?

I need to give a copy of a police report to my insurance company for an act of vandalism to my parents car. I am 20 and I was using the car when it was vadalized. In the report it stated how I suspected my ex girlfriend of doing the act. It states specific information such as her age, ethnicity, address, etc. I have very overbearing parents who are consistently trying to control my life. I told them about the incident but not the specifics and I really do not want them to find out any information about my ex girlfriend because it may cause problems. My parents told me they were going to try and get the police report I filed. Can they do this, or can the report only be requested by the party who filed the grievance. I already got the report for my insurance records because they requested a copy, but how much of the report do I have to give them. There is one page that has the basic information which excludes the name of my ex. Another page provides a narrative which states specifics about the incident and how we broke up etc. Do I have to provide that to the insurance company as well?""

I need infon about various product/plans available in life insurance?

what are the various products in life insurance available, please do let me know now , it is a request""

""How much is average insurance for a motorcycle, preferably in Texas.?

I am female and over 25 yrs. of age.

What kind of insurance company do I go through to insure a rock show?

Setting up a concert through a venue and they require me to have insurance, in case something happens like someone gets hurt or the venue breaks apart. What kind of insurance am I supposed to go through? Who should I call?""

How much does it cost to put car insurance on a bugatti?

How much does it cost to put car insurance on a bugatti?

Question about healthy families health insurance?

is it true healthy families cuts off the insurance for you when you turn 18??? im gonna turn 18 in a week and i need to go to the doctor. will they cut off the insurance?

""In Ca, If you had insurance on a car that was repossessed , do u still have to pay for the whole premium?""

Or what happens? How can you, or do you cancel it ? This is about the state of California.""

Do you have to insure a jet ski?

Do you have to insure a jet ski?

62 year old mother wants to retire but has no medical insurance...Ideas?

My 61 year old mother wants to retire next year. She doesn't qualify for medicare till 65. She has diabetes and chronic bronchitis. How would she get affordable medical care if ...show more

Ridiculously high car insurance quotes?

My renewal quote from Admiral was 1,300 and shopping around most were higher. Best I got was just over 700 with Allianz. I own a 2,500 10-year-old Rover 75. Everyone I ask pays about 200 - 300 whether old or newer cars, powerful and sporty or economical family cars. My brother, 2 years younger who has points on his licence and owns a 3L BMW pays about 250. I tried my details with his postcode out of interest on the Allianz site and my quote was 300 more (over 1,000) than with my own postcode. Why is this and how can I get my quotes down?""

What is the best place to find cheap autoinsurance for teens?

i am getting my licence soon so i will need car insurance. i will not be getting a car just using my parents car. is there any really cheap auto insurance that you all can help me find. thanks P.S. please and the link you found so i can click on it and check it out

Need help with insurance!! getting ready to buy a car?

need some help with estimated insurance costs for a 16 year old with a 2002 pontiac firebird. i'll have farmers insurance and i will have the discounts for having a 3.0 gpa and another discount for taking their test. Please help estimations help

What is the best car insurance company out there today?

I'm gonna get a car soon and I'm having difficulty picking an exact car insurance company to insure my car so I just wanted to read others opinion on what car insurance they think is the best.....if availabe tell me the pros & cons....

What would my insurance be for a kia forte?

him im 16 im a male i want a kia forte lx all black, it would be my first car what would my insurance be""

general online insurance quote

general online insurance quote

What exactly is broad form coverage for car insurance?

my insurance ran out. i dont really need a full coverage on car insurance since my car is old. I have a lifetime medical insurance. Im a pretty confident driver.

INSURANCE!!!!!!!!!!!!!!!!!!!!!...

How much would insurance cost on a 700 dollar rent appartment?? roughly.. for a calm project.

Car & Health Insurance?

How pathetic of a country are we, that car insurance is mandatory, even criminal if we don't have it, yet health insurance is not? What does this say about us as a society?""

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 much would car insurance cost for me?

How much does it cost to get my first car insurance under my parents insurance living in NV, USA? Also: I'm 18 yrs old, Just got my driver's license, White male Caucasian, Drive a black 1996 Honda Civic, been in no accidents, got good grades from High School, had no bad records in general, I live in a safe area, but will drive about 80 miles a week .""

How much do you pay for your car insurance ?

I have a mini van about 10 years old. I pay $250 every six month I believe ... premium. Covers 1000K Injury, 50K, 25K property damage, and 10K injury.""

What is the bare minimum for full coverage auto insurance?

I live in Idaho. I have not yet payed off the auto loan so I'm required to have full coverage insurance. According to some people I am paying too much (about 700 for 6 months), as they are paying far less. I have geico, but from time to time I look around and get quotes, and it is always slightly higher than what I have now. However, that might be because I am opting for coverage I might not need. So the question boils down to, what is the bare minimum requirements for full coverage auto insurance in Idaho?""

16 year old insurance for a moped UK?

Hey, i'm thinking of buying a moped but before i buy one, i need to make sure that the insurance won't be too expensive otherwise i won't be able to afford it. I will basically be using the moped to get to college and back home. Any ideas as to how much insurance will cost on average? I am currently 16 years of age and will be turning 17 in December 2013. I live out of london if that helps. Thanks in advance :)""

""How much does car insurance usually cost for a 17 year old in Ontario, Canada?

a 17 year old brand new driver (Girl) owning her first car? (a pontiac sunfire) IN CANADA !! NOT THE US

Where does the money go that everyone pays for car insurance?

If I pay $100 a month for car insurance for 20 years that's $24,000. I know 5 people in my family who pay approximately that so that's about $120,000. So with everyone who drives pays about that, where does all that money go? To pay for car wrecks? Government? What? (No, I've never had a wreck or used the insurance to pay for anything)""

Can I wait to pay car insurance?

I recently bought a car, but I'm not legal to drive it alone until February (I bought the car NOW because it was an amazing deal and didn't want to miss an opportunity like this) Can I wait to pay for insurance until I get my license (in February) or is that illegal?""

18 in TX and need health insurance?

I live with my dad but he just qualified for his own insurance for seniors or something im not sure. Ignore this fact, but long story short I am a full time community college freshman and make around 700 a month at my job. I am very healthy and workout at the gym routinely and I notice i am having wisdom teeth probs. what health care can I buy thats affordable for me? I turn 19 in 3 months.""

What is the average home business liabilitly insurance monthly premium?

This would be an internet based business run out of my home, with $2000 in sales a month.""

How Much Does Insurance Cost For a teenage driver (16) in texas?

my 16 yr old son wants a sports car. i was wondering how much it would cost for insurance and what is the best company for teen insurance.

Car insurance question?

Ok, ABOUT how much would 6 months of car insurance be for; 1992 Toyota 4 door. 19 year old driver inexperienced. Car is parked at my own home (yes I'm a homeowner) No one except me will be driving my car. I have no prior accidents or bad driving records. I'm in NC. I don't have a license yet but must get insurance first to get them. I know there is more to it but just an educated guess? Preferably by State Farm. I have no way to call them or get to an office is the only reason I'm on answers. I'm not looking for a real quote, just a simple idea of about how much?""

Car insurance and the state you live in and registration?

I just moved from Richmond VA to Greensboro NC. My car insurance is in Richmond VA and and my car is registered up there. I'm only going to stay in North Carolina for about 8 months. I want to know if I can switch my car insurance to North Carolina with out having to register my car and switching my license plates over to North Carolina. Car insurance is a hell of alot high up in Richmond than here and I want to save some much needed money. Anyone know if I can make the insurance switch with out having to register my car and switching my tags over to North Carolina? Please respond with only legit answers.

What is the expected value for a 21-yr old who buys insurance?

The ABC Insurance company charges a 21-year old male a premium of $250 for a one year $100,000 life insurance policy. A 21-year old male has a 0.9985 probability of living for a year (based on data from the National Center for health Statistics.) A. What is the expected value for a 21-yearold male who buys the insurance? B. B. What would be the cost of the insurance polity if the company just breaks even?""

Does term life insurance have an expiration date? (Other than death)?

Does term life insurance have an expiration date? (Other than death)?

What is an average monthly insurance rate for a 16 year old driver?

I want to get ideas for what people pay. I want to know where I can get the cheapest insurance.

Best Home Owners insurance for my home in allentown PA in the USA?

I am looking for good home owners insurance in allentown pa..i have a regular row home but i think im being over charged by my current insurance any suggestions for a good and affordable insurance.

Car insurance for you?

Not to sound stalkerish at all lol I'm just a lil confused on car insurance and want to know what about average is. So can you please put how old you are, what car you drive, and how much you pay... Thanks ALOT it means alot to me :)""

Can i sue my insurance company for hit and run?

I live in Yuma, Arizona. I'm 15 I Have my motorcycle permit i can drive from sunrise to sunset Okay February 21st YESTERDAY at 3pm Me and my brothers were going to jack in the box they took our car (1996 Isuzu rodeo) and i took my motorcycle (1994 Kawasaki ZX-6) we were going down this curved street they are on the left lane I'm on the right lane and this Winter bird (An older person from out of state that comes down to living in our city in the winter) pulls out on my right lane. While he's doing this i horn my horn he looks back and completes his turn and the brakes and doesn't move... i'm down shifting and my rear wheel locks up when i downshifted my bike shakes and i going onto the curb my bike gets eating up from the curb and i go over the curb and start to eat **** my hip and left get bruised i was wearing this thick overcoat my arm gets road-rash and then the old *** man drives off... doesn't even assist me... my brothers flip a U and we pull my bike to the side of the road and go to the hospital at the hospital we called the police they took pictures of my motorcycle and skid marks on the road then take my statement and brothers i wanted to know can i sue my insurance for anything? I'm not sure what coverage i have I'll add more detail tomorrow Monday morning Here are some pictures of the motorcycle P.S. I'm not sure if you can see but my front tire is flat it got a hole from the accident http://s186.photobucket.com/albums/x262/JokerSmokes/?action=view&current=crash1.jpg http://s186.photobucket.com/albums/x262/JokerSmokes/?action=view&current=crash2.jpg http://s186.photobucket.com/albums/x262/JokerSmokes/?action=view&current=crash3.jpg http://s186.photobucket.com/albums/x262/JokerSmokes/?action=view&current=crash4.jpg What broke Front tire Possible bent rim front brake lever Oil casing headlight windshield possible gears and chain my muffler my front right flaring my bottom flaring""

Health Insurance Deductible Q?

Does doctor visits count towards insurance deductible? My deductible is 2500 and doctors usually charge 100s of dollars per visit to the company even though i pay small co payments, do those count towards the deductible amount? I may need a mri soon which cost a lot and my insurance charges %80 after the deductible has been met""

Cheapest Car to Ensure?

What would be the cheapest car to insure for a 19yr old male, license for 2 years, without the best insurance past... Written 1 car off in flood water, and crashed another, so not expecting anything much under 2,000?""

How much roughly will my car insurance go up if I make a claim to have it resprayed due to vandalism?

How much roughly will my car insurance go up if I make a claim to have it resprayed due to vandalism?

general online insurance quote

general online insurance quote

Is MetLife auto insurance any good?

I qualify for Metlife group auto insurance from my employer and thinking about switching to it.

I am trying to get health insurance however I do not have a home base with my job?

I contantly move from one place to another after only a month or a few. Does anyone know if there is any company that can cover someone like me who moves from state to state? The company I have spoke to said they only cover someone in one state and when you leave the state you only would get covered for emergency situations.

Motorbike Insurance 600cc ~ 1000cc?

Iam 24 years old ( will do the bike test later this year ) I would just like a rough figure on what would it cost the insurance for these bikes. CB 600 hornet HONDA CBR 1000 KAWASAKI Z1000 KAWASAKI ER 650 YAMAHA R1 YAMAHA R6 Iam asking because iam abroad and i cant do the quotes else i would not loose time asking If someone could be kind enough to help out just with a near figure iwould gladly apreciate the help.

""On average, how much would motorcycle insurance be for someone under 21?""

I want to get a motorcycle to save on gas and just because there awesome, but before I jump into things i want to see if you can help. I am trying to chose between a 1993 or1999 Harley XL Sportster and want to know on a rough estimation how much it will be for insurance for a minor?""

Best Economical Insurance Company?

Hi, I live in New Jersey and wondered if anyone might know of a dependable insurance company -- car and home -- that also offers better rates? Thanks!""

Where to get medical help for 53 year old severe diabetic friend without insurance? Nashville TN area?

My friend makes too much money for government assistance (she makes a dollar above minimum wage) The income based clinics in our area are not excepting any new patients for a least 3 ...show more

What kind of health insurance can i get if i dont have legal documents?

What kind of health insurance can i get if i dont have legal documents?

How much should I insure a 2 bedroom condo for?

I want to buy insurance for a 2 bedroom, 1150 square foot condo in Orange County, California. I am interested in knowing how much coverage to buy to cover inside damage due to a catastrophe like a fire for example. I don't care about coverage for personal belongings or outside of the building. I just need to know what it costs to restore the inside walls, floors, etc. in case they are ever destroyed.""

Is the discount rate for car insurance for students GPA cumulative?

I am in California and my semester GPA fell a little under 3.0 but my cumulative is still 3.0 will that affect my car insurance discount? And if so by how much?

Can I Sue A Insurance Company ???

I Was A Passager In A Car Accident. My Bestfriend Was Driving. He Lost Control Of The Car...When A Car Jumped In Front Of Him On The Highway..I Broke My Left Arm..He Has liability car insurance....Should I Sue His Insurance Company??? How Much Would I Get?

How to get insurance coverage when between jobs?

My wife had her own health insurance with her previous employer, and I have my own with my employer. We do not have kids. She started a new job, but probation period for benefits is 3 months. She worked for a dental office of 5 employees, so I don't think COBRA is an option for her plus it's really expensive. Is it possible to add her to my work insurance plan for only 3 months mid calendar year?""

""If you have bad grades when you buy car insurance, but you improve your grades?""

If you have bad grades when you buy car insurance, but you improve your grades later, will they still give you a discount?""

What happens if you don't pay your car insurance?

how important is it every month to pay your car insurance? what could happen if you don't

Mexican car insurance?

If I drive into Mexico, do I need to get insurance for my car from a Mexican insurance company or is the American insurance valid there as well?""

The cheapest way to change insurance to a new car whilst keeping current car insured whilst i sell it?

Hi, I am 20 years old and I have just bought a new car. I am trying to find the best and cheapest way to change my current insurance ( with one years no claims) to my new car and then i need to insure my old car whilst I sell it. My current car insurance policy on my car runs out on 15th February 2013 and I have cancelled my renewal. I have received the renewal which is proof of my no claims which will be transferred to my new car. Another question is... can I claim the one years no claims on my new car whilst it still runs out for a week on my old car? I have looked at temporary insurance for my current car but this was almost 400 for 28 days?!?!? If insurance companies want me to do it the legal way, they are not making it very easy! Any advice on the best way around this would be great. I know it's confusing! Thanks, Adam White""

Cost of malpractice insurance for neurosurgeon?

I'm planning on specializing in neurosurgery however I persistently receive word of the exorbitant malpractice insurance rates majorly eating into the salary. Do any of you have a clue of the average rate neurosurgeons are charged? I don't want a specific quote, just the average.""

How much for dentures upper and lower and mini implants to secure both of them with no insurance in ohio .....

no insurance

What is the cheapest car insurance for a new student driver?

What is the cheapest possible car insurance for a new driver who is 17 years old and drives a 2005 ford explorer? I also live in NJ. I'm looking for the cheapest car insurance possible. The plan is for me only, no other drivers to be added. I need answers asap. Please help!""

Can we carry car insurance in ca from two different companies?

we live in california ,one of my friend he wants to start courier service as an indepentdent contractor the company he wants to join they need commerical insurance coverage 300,000/300,000/300,000. Can he buy additional coverge of commercial insurance from another insurance company with his regular car insurance. Is this legal? can he buy insurance from two different companies two policies? One for commercial and second regular insurance from another company? Thanks""

What is the best car to buy cheap to run and insurance etc.?

What is the best car to buy cheap to run and insurance etc.?

Life insurance for people with bad health?

Are there any cheap life insurance companies that insure people who have existing health conditions such as heart failure?

Trying to find good dental insurance?

I've been looking and the best one I can find is a broker. They offer a bunch of plans and the cost is really affordable. Any suggestions? ...show more

Hi what is the best 600cc sports bike for an 18 year old bearing in mind the insurance?

I need some help with choosing my first 600cc bike at the moment i ride a skygo 125cc (yes chinese lol) but i turn 18 in a couple of weeks and am looking to buy my first big bike. iv had a look at the cbr 600 but not to keen on the shape to be honest and dont really like the shape of the r6 so im looking at the kawasaki ninja / suzuki gsxr 600 and 750. any ideas would really help insurance would play a big part for me to so i need the cheapest really and what price would i be looking at ? if anyone has any other bikes to suggest i would apreciate that aswell ?

Insurance premium?

i live in California and got my license in sept 2007 then within two months of getting my car insurance(state farm) i got into a at-fault accident, my current policy runs till april 2008 and i currently pay 1022 every 6 months with a good student discount, also the damage on my car was worth 6,000 and i have a 1,000 deductible the other cars damage was worth 5,000 how much will my premium rise when it is time to renew?""

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

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

general online insurance quote

general online insurance quote

Can my brother use my bank account to pay for his car insurance.?

My brother doesn't have a bank account and he needs to pay his car insurance using direct debit. can he use my bank account? Would it matter if it was my name on the account? also, If he had a crash would costs come from my account? I hope somebody can help.""

Insurance price on harley-davidson?

what would be a good estimate for yearly cost of insurance on a harley? -92 heritage softail classic

How much can i spend on a car with the money i make?

im 17 years old and i have a job that pays $8.30 an hour and i work about 16 hrs per week, and i also tutor afterschool, for $20 dollars an hour, for 6 hours, so i make about $240 a week, and im planning to get a car, but i dont know what car i could afford. how much money can i spend in a car if i have monthly car payments?, oh yea plus insurance. thanks""

Is the amount you paid for your car covered by full insurance if an uninsured motorist hits you?

A friend was stopped at a light when some idiot hit her car and totalled it! Although, she has full coverage on the car(she just recently finished paying off), the idiot who hit her did not have any insurance! The total she paid on her car was $13K. The insurance company only wants to give her the blue book value of $3000! The situation is even worse because the offending party have no insurance! Is the insurance company trying to rip her off?! What should she do to get back at least close to the total amount she paid for her car?""

What is the best way save on Auto Insurance?

I am trying to find a way to save on auto insurance, me and my brother both have vehicles- only difference is im required to carry an SR-22 and have citations-No DUI, moving violations-nothing in the past 1-1/2 years, and he has an excellent driving record. I feel bad because I know our insurance is higher because of me, most places tell me its cheaper to have a policy together- Any recommendations? Another thing I notice is that if im the primary-Insurance is definitely higher, however when my brother is primary its a little lower, some agents tell me I have to be primary?""

Will I be able to drive my mom's car without my name on the insurance?

I live in Canada, and I am listed under my dad's insurance on his car as an occasional driver, but not my moms because it is more costly. My parents are on vacation and left me both vehicles. My dad's car won't start, so I need to drive my mom's to get to and from work. Will I be okay to drive it even if I'm not listed as an occasional driver on her car, but I am on my dads? They both have the same car insurance company""

Car insurance is too high!!!?

Been up since 8AM ringing several insurance companies. I have been declined 13 quotes, and offered 9 quotes noted below: Direct Line - 8,000.00 Admiral - 6,400.66 Insure motor - 9,294.00 Elephant - 6,400.66 Aviva - 13,084.00 MasterQuote - 11,001.60 On some of the forms I have used my nan's address as I live in a high-risk area, so I will actually park the car at my nan's house, not fraudalent I will actually do that. Are there any more hints/tips on what to do to bring down the insurance? I recently bought a Peugeot 106 1.1 LOOK+ 3dr hatchback. I'm 20 years old and passed my test on 30/10/2012.""

CHEAPEST CAR INSURANCE IN CANADA!!!?

LOOKING FOR THE CHEAPEST INSURANCE /BROKERS IN CANADA

Does anyone know where I can find affordable auto insurance for a single parent of two?

I just purchased a 2006 Chevy cobalt four door and I need insurance that will work on a single parents income and I need it yesterday. Can someone help?

Life insurance question?

Does a person have to pay taxes on the proceeds of a life insurance policy?

Cheap Car Insurance in Fl?

I'm a 17 year old girl and I have a 95 Pontiac Firebird . What are some super cheap car insurances in Florida . I just need the basic coverage , like just the state minimum . Can somebody please tell me some cheap insurance companies !""

Teen driver car insurance?

i'm 18 years old, got my license officially in march. I can't really drive my parents car around because im not on their insurance plan (and they worry) what is the cheapest car insurance plan i could get possibly to be insured with my parents? not sure what they have i think its state farm. does insurance depends on the car? if it matters my dad has a 1997 mini van,plymouth. and my mom has a 2005 jeep cherokee. about how much would it cost to be insured in one of their cars?""

Whats the cheapest insurance company in NYC?

Whats the cheapest insurance company in NYC?

Boat insurance cost on average for a 52ft 1989 sailboat boat?

I am looking for what others may have paid, so when i do get a quote I know what to expect. If you have something to say that negative please don't respond.""

Dealing with insurance company after accident and trading my repaired car?

I have had a car accident caused by someone else in california last year in August. Now I am trying to trade in my car bmw but they said the car is not tradable due to the carfax showing that it has structural damages. The dealers offer me to get a new loan with them and let my lender repossess the car. They said i cant trade in my car now the book value is too low compared to what I owe on it. any suggestions? Can I go after the insurance company for damages because i cant get rid of my car now... or what can I do to get into a different car. The bmw i costing too much to repair

How come we can be forced to pay for car insurance or health instead?

How come we can be forced to pay for car insurance or health instead of forcing people to have a savings account that can only be used when you have a car accident, health problems or retire?""

Insurance price for a 50cc moped?

I'm almost 16 and I'm male, does anyone know/has any male that's 16 recently been insured? If so, what was the price of the insurance?""

Can i get insured on a chevrolet camaro 1ss 2 door v6 in the uk?

my parents said they will buy me a chevrolet camaro and ship it to the uk, its the 1ss v6 2door. they told me i had to pay insurance does anyone know wether or not i can get insured on this car in the uk, i live in london, im im turning 18 in november and this wil be my first car, and do you know approx how much it will cost?""

Do I need health insurance for cosmetic surgery ?

Just wondering ? I have the money to pay for it, so I don't need the insurance to cover it..But the medical forms ask for that information, and I don't have health insurance yet ? Does it matter ? Can I get the surgery without it ?""

Which is the cheapest insurance for UK minicab drivers?

Which is the cheapest insurance for UK minicab drivers?

How can I see a cheap doctor w/ no insurance?

I am 23 years old and I don't have insurance. My husband got a huge pay cut and we had to cancel it. We just can't afford it at the moment. However, I am having some serious issues and I really want to see a doctor badly. I am having horrible pains in my hands and the rest of my body and pitting edema in my legs. I don't want to rack up a huge emergency bill, but I can't afford $200 for a doctors visit. Is there ANYWHERE I can go to see a doctor for really cheap??? It's to the point where I can hardly use my hands to even type this and I am scared. Thanks..""

Lease- car insurance rate?

What is the ball park range of car insurance for an 17 year old girl leasing an Acura TL? say 2004?

Question about car insurance??

my boyfriend and i have been discussing selling my car and sharing his (to save money, one less insurance/payment each month). My question is without having insurance (unless i went on his), will that make my insurance go up more the next time i own a vehicle? my current provider (progressive) increased my rate because i was uninsured for 3 or 4 days, and im curious if this is what will happen if say, im uninsured for a few months. THANKS!!!""

Being sued by an insurance company?

Hello, I got in a car accident about two years ago and i didn't have insurance, i was found at fault and now im getting sued for $20,000 by the other driver's insurance company, The original amount was $17,000, They have been trying to collect for a longgg time now. I know i blew it off for a long time but now im ready to take responsibility and start trying to pay it. The car i was driving was under my moms name and they are trying to go after her also but i want to take full responsibility. I have to go to court next month, and im wondering if I should get a lawyer to represent me even though i'm guilty. I'm hoping that I can make a payment plan or anything I need to get my life back on track""

Does auto insurance do this? Pay or Scam?

So it always seems that my Girlfriends mom is trying to slow her down by take her money or use her to get money from the state or what not. One of the new things is that her mom says is that geico called her up and told her because my girlfriend just got her Drivers License that she has to put her under her policy. She doesnt drive her moms car and is currently looking to get a new one. Is this a normal thing for the Insurance company to call up out of no where and tell them they have to pay because there is a new licensed driver that doesnt even drive the car the policy is on or Is it another way for her mom to gain more money

general online insurance quote

general online insurance quote

https://www.linkedin.com/pulse/my-dad-main-driver-vehicle-insurance-i-am-named-aloud-adam-morgan/"

[fesahaawit]

Wealthsimple Review

Hey guys!

Just got wind that one of the more popular Fintech companies in Canada (Wealthsimple) opened up here in the U.S., and if my spidey senses are on point as they usually are, I think it’s going to be another great company to contend with in the investing space.

Outside of Vanguard, of course ;)

If you’re just starting out with investing and/or want a little more hand holding and automation, Wealthsimple may be worth looking into for you.

I’m not much of a Canadian connoisseur, but I’ve been following along their journey ever since they launched a killer blog which I am now GLUED TO (see below), and from all the awards and press they’re getting I definitely think they’re onto something.

Here are some of their latest blog posts – I dare you not to click on them! :)

Jon Hamm Would Like to Buy a Time Machine

Spike Lee Tells Us Why He Never Feels Bad Asking for Money

The World’s Most Famous Sword Swallower on Becoming the World’s Most Famous Sword Swallower

I’ve since watched more and more Canadian bloggers talk about them over time, and then start moving their own money over as well. Most recently, my good friend and Rockstar Finance helper, Cait Flanders.

She just moved $50k over from fellow Canadian company, Tangerine (they had higher fees and weren’t as transparent w/ their funds), and she was finally convinced to *automatically* start investing for the FIRST TIME ever in her life too (Cait!!!). I think she’s seen since seen the light though, after seeing the projections Wealthsimple showed her if she keeps it up ;)

Anyways, enough of an intro…

Here’s what they’re about, and why they’re worth a look in my opinion.

What Wealthsimple Does

In a nutshell, Wealthsimple is a financial company that helps you build a portfolio of low-fee funds (ETFs), without charging you an exorbitant amount to do so. Then they’ll manage it all for you, help you grow it, and offer advice along the way.

So pretty much a “robo-advisor”, just without any minimum balance requirements and set up to be as simple as possible. They won’t charge you for trades or rebalances or account transfers (in fact, they will PAY any of the fees you might incur from moving over your money elsewhere!), and their main mission is to get people of any age and net worth to feel comfortable investing.

Here’s more of the corporate speak off their website if you prefer that version :)

“We provide world-class, long-term investment management without the high fees and account minimums associated with traditional investment managers. We invest your money in a globally diversified portfolio of low-cost index funds modeled after the same Nobel Prize-winning research used by the world’s savviest investors.

Our cutting-edge technology helps you earn the best possible return on your money, while also lowering your tax bill. This means we do things like automatic rebalancing, dividend reinvesting, and tax loss harvesting—services that most people couldn’t afford until now or found too time-consuming and tedious to do on their own.

Our financial advisers are always available when you need them. They can help plan your financial milestones and answer questions you might have about potential risks or what sort of investment accounts you should have.”

And looking at some of their stats and recent awards, I think they’re accomplishing their mission:

They have over 20,000 clients now

Managing over $750,000,000 of their money

Was just named 2016’s “Best Financial Website” in the Webby Awards, as well as one of the Top 100 Most Innovative Financial Companies.

And have $50 million in backing from one of the world’s largest financial companies (Power Financial)

A Look at The Portfolios They Offer

So how and where do they invest everyone’s money?? They use a similar approach that other robo-advisors use, which is basing portfolios on “Modern Portfolio Theory” introduced by the Nobel Prize-winning economist Harry Markowitz. Who basically proved that you can minimize volatility (risk) and maximize reward (money!) by diversifying your investments.

And as a refresher, typically the younger you are the more aggressive you want to go for better shot of growing your pot (and having enough time to recoup losses from major crashes), and the older/more conservative you are the more you’ll want to skew towards investments set up to *preserve* your money more than grow it.

Though of course you also have to factor in a number of other variables like how comfortable you are with risk, what strategies you believe in, if you care about socially responsible funds or not, etc etc.

Here’s a look at the options they offer:

The Conservative Portfolio — You’ll see with this one *bonds* make up a bulk of the investments at over 70% because they’re the safest. But they also have the least returns, so those interested in growing their $$ over long periods of time probably want to shy away from this route (vs those getting closer to retirement and will soon be tapping their investments to live off).

 The Balanced Portfolio — This one’s more even across the board, and probably the one most people start with when first dipping their toes into investing. You’ll get 50% stocks and 50%’ish bonds. Still wayyyyyy too conservative for my blood, but it is balancing more risk/reward than the previous option.

The Growth Portfolio — Then we have the one I’d personally put my money into if I weren’t all in VTSAX with Vanguard (which is even MORE aggressive as it’s 100% stocks ;)). With this portfolio of only 20% bonds and 80% stocks, your money is set up to grow much faster while at the same time lose money faster during all the downturns – which is a matter of *when* they’ll happen, not *if*. So again it’s EXTREMELY important to know what your comfort levels are and what you’re willing to risk or not.

Though keep in mind being “risky” with ETFs (which are GROUPS of funds – not just a single stock) already waters down the risk pretty heavily. So while you are still investing in stocks overall, it’s like investing in 100 different stocks vs just 1 main one like, say, Apple or Facebook. Which rise and fall much more sharply on any given day.

Lastly, we have the Socially Responsible Funds — these are the funds set up that prioritize the impact companies make on the world around us. For example, you won’t find cigarette or alcohol companies in here, nor maker of hairspray bottles :) Though I’m not totally versed in these, so good to check out what exactly these hold to make sure they align with your own overall goals. Pretty cool to see though how investing companies are catering to all types of preferences out there!

Okay, So Does Wealthsimple Cost?

Smart question – good job asking :) For the first year they will charge NO fees managing your money, as long as your portfolio is under $5,000. After that, they do start charging, but much less than you will see at other places (at least for *actively managed* funds – not doing it yourself).

Here are the two options they offer:

So it’ll cost more if you have less invested, and will cost less if you have more invested – pretty typical. If you’re already investing, check this with your own funds/firm and see how it compares?

As a reference, before I started managing my own investments I was paying anywhere from 1% to 3% in fees losing THOUSANDS over the years. And I’m a financial blogger!! (Albeit a pretty dumb one up until recently…). So wherever you put your money, just PROMISE ME you’re paying attention to all the fees you’re paying – they’re important.

Who Wealthsimple is For, and Who They’re Not For

Okay, so all that being said, here’s my personal opinion on who I think they’re for and who they’re not for. Since obviously not all Fintech is good for all situations (or people).

Who Wealthsimple IS for:

Anyone new to investing and just wanting to get started

Anyone who doesn’t want to spend the time researching on their own

Anyone who doesn’t want to spend time managing any of their funds

Anyone who’s spending exorbitant fees having other people/companies managing their portfolio

Who Wealthsimple is NOT for:

Anyone who wants to manage their own money

Anyone who wants the bare minimum fees due to managing their own money

Anyone who prefers picking individual stocks or other investing strategies like dividend investing (Wealthsimple only gives options for ETFs)

Anyone who isn’t comfortable managing their money online or via apps

Basically, you need to know yourself and your goals way before giving Wealthsimple, or any company for that matter, your business. My goal on this site is to show you a variety of avenues to help you pick the one that best fits :)

Other FAQs

Is money insured with them? Yup. Wealthsimple accounts have SIPC coverage up to $500,000. It doesn’t mean your money is safe from losing money, but it is protected if anything should happen to Wealthsimple. (I.e. they can’t use your money)

Is their technology safe? Yup. Similar to other apps/financial companies, they use state-of-the-art security measures when handling financial information.

What type of accounts can you open with Wealthsimple? Personal brokerage, Roth IRAs, Traditional IRAs, and SEP IRAs.

Do they have an app? Yes, for both Apple and Android – here are some screenshots:

(The shots feature Canadian retirement accounts above (RRSPs are like our 401(k)s I believe?) but the app works and looks the same in the U.S. version)

In Summary

Wealthsimple is the new kid in town, and they want to help you invest your money simply, no matter how little (or much) you have. And so far they look promising – but of course ultimately it only matters what YOU think :) My job is to just share the stuff I think is worth consideration…

You can learn more about Wealthsimple, and sign up, here: Wealthsimple.com

(Budgets Are Sexy readers receive a special $50 bonus when you open and fund a new Wealthsimple account, and another $50 bonus if you end up transferring enough to qualify for Wealthsimple Black. Just make sure to click & use that link above if you want it as it’ll track that you came from here)

If you’re one of our sexy Canadian readers, use this link instead :)

(Same bonuses apply)

******** PS: Did I tell you they had a good sense of humor too? :) The above is part of one of their older campaigns, haha… You might have caught their Super Bowl commercial “Mad World” too.

PPS: This post was in partnership with Wealthsimple, and just like with any other companies we love and promote on the site, the links above to them are affiliate links. Meaning we get compensated if you end up using them to sign up. You’ll also get a nice bonus as well, but regardless we only share stuff we think can help you or your wallet.  Your trust and readership is much more important than a few extra bones, which you hopefully know by now :)

Wealthsimple Review posted first on http://ift.tt/2lnwIdQ

[heliosfinance]

Wealthsimple Review

Hey guys!

Just got wind that one of the more popular Fintech companies in Canada (Wealthsimple) opened up here in the U.S., and if my spidey senses are on point as they usually are, I think it’s going to be another great company to contend with in the investing space.

Outside of Vanguard, of course ;)

If you’re just starting out with investing and/or want a little more hand holding and automation, Wealthsimple may be worth looking into for you.

I’m not much of a Canadian connoisseur, but I’ve been following along their journey ever since they launched a killer blog which I am now GLUED TO (see below), and from all the awards and press they’re getting I definitely think they’re onto something.

Here are some of their latest blog posts – I dare you not to click on them! :)

Jon Hamm Would Like to Buy a Time Machine

Spike Lee Tells Us Why He Never Feels Bad Asking for Money

The World’s Most Famous Sword Swallower on Becoming the World’s Most Famous Sword Swallower

I’ve since watched more and more Canadian bloggers talk about them over time, and then start moving their own money over as well. Most recently, my good friend and Rockstar Finance helper, Cait Flanders.

She just moved $50k over from fellow Canadian company, Tangerine (they had higher fees and weren’t as transparent w/ their funds), and she was finally convinced to *automatically* start investing for the FIRST TIME ever in her life too (Cait!!!). I think she’s seen since seen the light though, after seeing the projections Wealthsimple showed her if she keeps it up ;)

Anyways, enough of an intro…

Here’s what they’re about, and why they’re worth a look in my opinion.

What Wealthsimple Does

In a nutshell, Wealthsimple is a financial company that helps you build a portfolio of low-fee funds (ETFs), without charging you an exorbitant amount to do so. Then they’ll manage it all for you, help you grow it, and offer advice along the way.

So pretty much a “robo-advisor”, just without any minimum balance requirements and set up to be as simple as possible. They won’t charge you for trades or rebalances or account transfers (in fact, they will PAY any of the fees you might incur from moving over your money elsewhere!), and their main mission is to get people of any age and net worth to feel comfortable investing.

Here’s more of the corporate speak off their website if you prefer that version :)

“We provide world-class, long-term investment management without the high fees and account minimums associated with traditional investment managers. We invest your money in a globally diversified portfolio of low-cost index funds modeled after the same Nobel Prize-winning research used by the world’s savviest investors.

Our cutting-edge technology helps you earn the best possible return on your money, while also lowering your tax bill. This means we do things like automatic rebalancing, dividend reinvesting, and tax loss harvesting—services that most people couldn’t afford until now or found too time-consuming and tedious to do on their own.

Our financial advisers are always available when you need them. They can help plan your financial milestones and answer questions you might have about potential risks or what sort of investment accounts you should have.”

And looking at some of their stats and recent awards, I think they’re accomplishing their mission:

They have over 20,000 clients now

Managing over $750,000,000 of their money

Was just named 2016’s “Best Financial Website” in the Webby Awards, as well as one of the Top 100 Most Innovative Financial Companies.

And have $50 million in backing from one of the world’s largest financial companies (Power Financial)

A Look at The Portfolios They Offer

So how and where do they invest everyone’s money?? They use a similar approach that other robo-advisors use, which is basing portfolios on “Modern Portfolio Theory” introduced by the Nobel Prize-winning economist Harry Markowitz. Who basically proved that you can minimize volatility (risk) and maximize reward (money!) by diversifying your investments.

And as a refresher, typically the younger you are the more aggressive you want to go for better shot of growing your pot (and having enough time to recoup losses from major crashes), and the older/more conservative you are the more you’ll want to skew towards investments set up to *preserve* your money more than grow it.

Though of course you also have to factor in a number of other variables like how comfortable you are with risk, what strategies you believe in, if you care about socially responsible funds or not, etc etc.

Here’s a look at the options they offer:

The Conservative Portfolio — You’ll see with this one *bonds* make up a bulk of the investments at over 70% because they’re the safest. But they also have the least returns, so those interested in growing their $$ over long periods of time probably want to shy away from this route (vs those getting closer to retirement and will soon be tapping their investments to live off).

  The Balanced Portfolio — This one’s more even across the board, and probably the one most people start with when first dipping their toes into investing. You’ll get 50% stocks and 50%’ish bonds. Still wayyyyyy too conservative for my blood, but it is balancing more risk/reward than the previous option.

The Growth Portfolio — Then we have the one I’d personally put my money into if I weren’t all in VTSAX with Vanguard (which is even MORE aggressive as it’s 100% stocks ;)). With this portfolio of only 20% bonds and 80% stocks, your money is set up to grow much faster while at the same time lose money faster during all the downturns – which is a matter of *when* they’ll happen, not *if*. So again it’s EXTREMELY important to know what your comfort levels are and what you’re willing to risk or not.

Though keep in mind being “risky” with ETFs (which are GROUPS of funds – not just a single stock) already waters down the risk pretty heavily. So while you are still investing in stocks overall, it’s like investing in 100 different stocks vs just 1 main one like, say, Apple or Facebook. Which rise and fall much more sharply on any given day.

Lastly, we have the Socially Responsible Funds — these are the funds set up that prioritize the impact companies make on the world around us. For example, you won’t find cigarette or alcohol companies in here, nor maker of hairspray bottles :) Though I’m not totally versed in these, so good to check out what exactly these hold to make sure they align with your own overall goals. Pretty cool to see though how investing companies are catering to all types of preferences out there!

Okay, So Does Wealthsimple Cost?

Smart question – good job asking :) For the first year they will charge NO fees managing your money, as long as your portfolio is under $5,000. After that, they do start charging, but much less than you will see at other places (at least for *actively managed* funds – not doing it yourself).

Here are the two options they offer:

So it’ll cost more if you have less invested, and will cost less if you have more invested – pretty typical. If you’re already investing, check this with your own funds/firm and see how it compares?

As a reference, before I started managing my own investments I was paying anywhere from 1% to 3% in fees losing THOUSANDS over the years. And I’m a financial blogger!! (Albeit a pretty dumb one up until recently…). So wherever you put your money, just PROMISE ME you’re paying attention to all the fees you’re paying – they’re important.

Who Wealthsimple is For, and Who They’re Not For

Okay, so all that being said, here’s my personal opinion on who I think they’re for and who they’re not for. Since obviously not all Fintech is good for all situations (or people).

Who Wealthsimple IS for:

Anyone new to investing and just wanting to get started

Anyone who doesn’t want to spend the time researching on their own

Anyone who doesn’t want to spend time managing any of their funds

Anyone who’s spending exorbitant fees having other people/companies managing their portfolio

Who Wealthsimple is NOT for:

Anyone who wants to manage their own money

Anyone who wants the bare minimum fees due to managing their own money

Anyone who prefers picking individual stocks or other investing strategies like dividend investing (Wealthsimple only gives options for ETFs)

Anyone who isn’t comfortable managing their money online or via apps

Basically, you need to know yourself and your goals way before giving Wealthsimple, or any company for that matter, your business. My goal on this site is to show you a variety of avenues to help you pick the one that best fits :)

Other FAQs

Is money insured with them? Yup. Wealthsimple accounts have SIPC coverage up to $500,000. It doesn’t mean your money is safe from losing money, but it is protected if anything should happen to Wealthsimple. (I.e. they can’t use your money)

Is their technology safe? Yup. Similar to other apps/financial companies, they use state-of-the-art security measures when handling financial information.

What type of accounts can you open with Wealthsimple? Personal brokerage, Roth IRAs, Traditional IRAs, and SEP IRAs.

Do they have an app? Yes, for both Apple and Android – here are some screenshots:

(The shots feature Canadian retirement accounts above (RRSPs are like our 401(k)s I believe?) but the app works and looks the same in the U.S. version)

In Summary

Wealthsimple is the new kid in town, and they want to help you invest your money simply, no matter how little (or much) you have. And so far they look promising – but of course ultimately it only matters what YOU think :) My job is to just share the stuff I think is worth consideration…

You can learn more about Wealthsimple, and sign up, here: Wealthsimple.com

(Budgets Are Sexy readers receive a special $50 bonus when you open and fund a new Wealthsimple account, and another $50 bonus if you end up transferring enough to qualify for Wealthsimple Black. Just make sure to click & use that link above if you want it as it’ll track that you came from here)

If you’re one of our sexy Canadian readers, use this link instead :)

(Same bonuses apply)

******** PS: Did I tell you they had a good sense of humor too? :) The above is part of one of their older campaigns, haha… You might have caught their Super Bowl commercial “Mad World” too.

PPS: This post was in partnership with Wealthsimple, and just like with any other companies we love and promote on the site, the links above to them are affiliate links. Meaning we get compensated if you end up using them to sign up. You’ll also get a nice bonus as well, but regardless we only share stuff we think can help you or your wallet.  Your trust and readership is much more important than a few extra bones, which you hopefully know by now :)

Wealthsimple Review published first on http://ift.tt/2ljLF4B

[parvinasseaynk72insurance-blog]

BMW 228i Cheap Insurance

BMW 228i Cheap Insurance

BMW 228i Cheap Insurance

BEST ANSWER: Try this site where you can compare free quotes :COVERAGE-FINDER.NET

SOURCES:

BMW 228i Cheap Insurance

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