#and he has several rental properties so he should be expecting to take care basic house repairs constantly

[gardenstateofmind]

i honestly was not mad about our landlord keeping the whole security deposit because those dumb bitches literally broke the plumbing by flushing tampons down a basement toilet

like the plumbing literally had to be replaced for that toilet, specifically because of an incredibly stupid thing the tenant did. i don't think the landlord should necessarily have to pay for that.

but my mom is saying that it's illegal for him to keep the deposit over that since it happened several months before the lease ended. she said he should have charged us at that time and if we didn't pay it, then he could have taken it out of the deposit.

i do not have the energy to argue about that, especially since i would feel really wrong trying to get out of paying something that genuinely was on us as the tenants. like yeah it sucks for me and selbbep to lose out on our $750 each since we're not the ones who broke the toilet, but like. that's what you sign up for when you sign a lease with other people.

#personal #our landlord is just some guy #like it was different at our old apartment that was owned by a company #i actively wanted them to lose as much money as possible #but this guy? eh. i'm sure he can afford the $3000 plumbing bill #and he has several rental properties so he should be expecting to take care basic house repairs constantly #so like. yeah ideally i want my deposit back #but it's like the principle of the thing. someone else is paying for our mistake and i cannot in good conscience argue or lie about- #-the circumstances surrounding the plumbing

[college-girl199328]

Dick Parker is 79. He and his wife have lived in the same uptown Saint John apartment building for 21 years. Two weeks ago, they received notice from their landlord of a 15 percent increase in rent come October.

"You know, the amounts are damn near $150 a month," said Parker about the increase. "I think it's outrageous." Parker's apartment building is one of several that were part of a 150-unit purchase in 2020 by Historica Six GP Inc. and Historica Six Limited Partnership.

Kristina Hobson lives in the seven-story McArthur building on Germain Street. Her notice is also for a 15 percent increase, and she said every long-term tenant she knows in the building received a similar letter.

"For me, 15 percent was quite a drastic increase," said Hobson. "Our building had quite a strong reaction; people have lived in the building for quite a long time, and we have quite a few older people who live there, so there are quite a few fixed incomes."

That is not what longer-term tenants were told to expect from Historica's president Keith Brideau when he purchased the properties 30 months ago. At the time, he gave several interviews suggesting tenants in those buildings need not be concerned about receiving large rent hikes from him.

"They don't have to worry about it," Brideau said about the renters he was inheriting in the sale, in an interview on Information Morning Saint John at the time.

"I grew up in the north end. I know personally that it is not easy for people to pay $1,200 or $1,500 a month. But at the same time, those very people who can't afford it deserve a nice roof over their heads. What we're looking forward to is actually taking care of the people more in that $500 to $1,000 price range."

Last year, tenants in the affected buildings were protected by a hard rent cap in New Brunswick and were charged increases by Historica of 3.8 percent. Those caps have been eliminated this year. That means the proposed new 15 percent increase will see those who have been tenants since the sale paying about 19 percent more in October than they were in 2020.

Inflation in New Brunswick since the sale has been slightly more than 12 percent. In an interview Tuesday, Brideau said he is facing increased costs for several expenses, including maintenance, heat, insurance, labor, and debt financing.

"We are not immune to inflation," he said. According to Brideau, all tenants who have been renting in any of his buildings for more than one year have been issued notices for some kind of October increase, and he estimated that between 50 and 75 of those were for the full 15 percent.

"It's only fair we bump those up a little bit," said Brideau. "I have to be fair to our business as well as make sure I can pay my bills." Changes in rental rules made by the province for this year do allow landlords to raise rents to "market" levels which have risen sharply over the last three years. But if that involves an increase above inflation, the province has given officers with the Residential Tenancies Tribunal the authority to require the increase be phased in over multiple years.

Quebec does not have a firm cap on rent, but the province's housing tribunal calculates an annual recommended basic increase. For 2023, it said 2.3 percent is fair for an unheated apartment and up to 7.3 percent for a building that includes heat from an oil furnace.

"I think there should be some control on rent," said Parker. "A 15 percent increase to me is outrageous, and the only ones that can do anything about it, of course, are the governments."

[theavenir17-blog]

Just how Condo Buyers Can Stay away from Paying Too Much: Ten Crucial Tips

Whether you're some sort of first-time buyer or a expert professional in the real estate online game, purchasing a condominium can be an daunting task, fraught with economic pitfalls as well as potential income. It's an emotional course of action filled with difficult choices-and each and every decision you make has funds riding on it. Finding the right rental for your family's needs will be tough enough; knowing how in order to avoid paying too much for that amazing living space is another job totally.

As a professional Realtor® who have helped countless buyers locate their dream home in addition to save money at the same time, I've produced this guide to help you avoid the prospective hazards inherent in the condo-buying process. I'll show you making certain you've found the correct home, as well as how to loan provider a price to your advantage. These are classes you truly can't find the money for to learn through trial and error.

Suggestion #1: Determine Your House "Minimums" Ahead of Time.

Understand that you can find two condos out there eager for your attention-one that fits your needs and one that suits your desires. In a excellent world, you could choose that will three-bedroom condo with area for your family to grow, nevertheless have the perfect floor policy for entertaining and social get-togethers. Is that big kitchen more vital to you than a few added rooms?

When you begin shopping for your own personal condo, you'll encounter qualities you'll fall in love with for different causes. It's best to list the features you want before you start shopping. Break your personal list into two categories-"Needs" and "Desires"-and prioritize those items accordingly. Understanding what you genuinely need in your condo rather than what you'd like to have will help you keep your priorities straight when you shop around .

Don't let emotion impair your judgment. Satisfy your preferences first, and if you can accomplish some of your desires at the same time, so much the better. What's crucial is to understand the difference before getting caught-up in the excitement in the hunt.

Tip #2: Obtain a Pre-Approved Mortgage.

In case you are not buying with dollars, getting a loan pre-approved could be the smart way to shop for a loft apartment. It tells sellers that you are currently a serious prospect, and you realize in advance the maximum mortgage it is possible to afford.

I've seen customers make the mistake of understanding what they qualify for, but not having pre-approval in writing. You've removed this far, so take next step-get it written.

The good news is that it's easier than ever to be approved for a home loan.

Tip #3: Communicate with Your Realtor.

Coming from finding the right condo to examinations and negotiating the best package, the condo search practice can be exhausting for the particular hardiest souls. That's why smart condo buyers have a Realtor® in their corner. Most vendors you encounter are undoubtedly going to have professionals particular side. Having a pro on your own team is the safest solution to ensure that you get the best deal achievable.

Once you have a clear, detailed photograph of the condo you want, make sure that your agent has the same graphic. This communication is critical. In any other case, you'll both waste time considering homes that hold little curiosity for you.

Also, make sure your Agent knows your priorities. Your own personal shared goal is to it is worth it to find an excellent condo that complies with all of your needs; your Will give will then try to satisfy as much of your desires as possible.

Idea #4: The Cliché is valid... Location, Location, Location!

The particular desirability and resale associated with your condo-to-be depends on place more than any other single aspect. Again, don't let emotion get involved the way of a wise investment. Simply no condo is an island, as well as the value of yours is influenced in what surrounds it. The Avenir showflat

There are several factors that combine to create a fine location. Your first consideration is a neighborhood itself. Every local community has its own unique character; you should make sure you'd be comfortable inside the one you're thinking of moving into. Take a long walk as well as observe carefully. Do folks take pride in their building? Speak to the neighbors and ask concerns that give you a better sense for the property. But try not to appear judgmental-you might be conversing with a future neighbor.

If the developing is to your satisfaction, try to find units on the market in the area. Incredibly large units surrounded by more compact ones tend to appreciate not more than a large condo among some other large condos. Conversely, the actual unit in the building is commonly "pulled up" by the additional units in the building. Nonetheless it might take longer to sell a smaller sized unit when the time will come because many people are unwilling to cover extra for the neighborhood. The Avenir showflat

The outside edge of a neighborhood is normally not good for resale value. You can find noticeable dividing lines in between dissimilar neighborhoods. It could be a change in architectural styles, property or home use or something else. Search for a condo in the middle of a location of similar buildings; it will eventually hold its value far better.

An exception to this rule can be a building on the edge of your neighborhood bounded by h2o, parkland, a golf course or maybe other open space. Normal boundaries appeal to buyers, and the "edge" condos can actually command word a better price. Be mindful, still of the planned use for that open space. A community park is nice; a fresh freeway, strip mall as well as industrial center isn't.

Other stuff that can negatively affect residence values are traffic, seems, smells, etc . Be sure to supply the neighborhood a long, hard seem. The condo you're interested in could be perfect, but if the neighborhood provides problems, your investment defintely won't be worth as much when the moment comes to sell.

Tip #5: Enjoy the Present, but Look at the Future.

Buying a condo is often a big investment. If you can stretch out a little today financially to obtain a unit that you can grow with-whether it's having a child, operating a home-based business, or turning an extra room into your personal gym-do it. In the long run, it will oftimes be less expensive than moving up into a marginally larger unit if the need does arise.

Hint #6: Pay Attention to Red Flags While Evaluating a Condo.

When assessing the advantages and drawbacks of a certain property, be sure you know the big difference between acceptable and unwanted problems.

Some issues-peeling fresh paint, worn carpeting, ugly wallpaper-are cosmetic and can be easily dealt with. You can even use these "problems" during negotiations to lower the particular asking price. After all, you'll need to spend some money to bring the condo around snuff.

Make careful take note of the issues you realize that can be used to your advantage. May nit-pick, however-if taken to two extremes, you could end up alienating owner and creating a hostile ambiance.

In my experience, spending a few hundred or so dollars on a professional condominium inspection is the best investment likely to ever make. A professional inspector brings experience in evaluating a great many homes, good review standards, and an neutral perspective. And a written review can be an excellent negotiating application.

Don't let a condo's optimistic attributes blind you to extremely real problems. If you do, the possibilities are good that you'll end up wasting much more money than you ever before expected at some point down the line.

Fortunately for buyers is that the regulation now requires sellers for making complete disclosure of identified material defects. Make sure to fully grasp this in writing. And carefully take into account how these defects may possibly influence what you're ready to pay.

Tip #7: Some Fixer-Uppers Are "Good-Byes, " Negative Buys.

You may be the sort regarding person who looks at a condo looking for significant work as "a challenge" and an opportunity to make money. Many individuals have bought fixer-uppers at below-market rates, invested a little sweating equity or more than a tiny money on renovation, and after that eventually put it back on the market with a profit.

But if your unit basically priced low enough, you may not recoup your investment of the time, trouble and expense. Prior to deciding to proceed, do a careful examination of what you'll have to spend. Then, consult with your Realtor to master what you can reasonably anticipate to earn when you put the model back on the market. And be certain to consider the unexpected-there's no such thing as being a "sure thing. "

Word of advice #8: Put on Your Best Holdem poker Face.

One of the costliest blunders you can make is letting the vendor know how much you love their condo. Once you've let it fall, you can just about forget about settling the price-the other area knows how motivated you happen to be. In fact , a seller often see this as an opportunity to squash a little more money out of an individual even when you've made a good offer you to start with; no matter how wonderful a property is, keep it to on your own.

Keep your own situation for you to yourself as well. Information can be utilized against you. How much most likely willing to spend, the size of loan you can afford, your move-in deadline-it all can be used to acquire more money out of your pocket. Make sure you tell your agent everything he / she needs to know to be effective with your behalf-whether you plan to pay income or the size of the home finance loan you can afford, etc . Nevertheless , keep your personal circumstances and also timeline to yourself.

Inversely, knowledge is power. The causes behind a sale can often be accustomed to your competitive advantage in the course of negotiations. For example , a vendor whose company has transported him to another city may perhaps be more motivated to sell as compared to someone who is still looking for a fresh home.

Other signs of a new motivated seller include a vacant system, or a condo that's been in the marketplace for several months with savings in the asking price.

Tip #9: Don't Be Pressured, but Carry out Negotiate.

While you want to proceed expeditiously once you're inside negotiations, don't let the other edge pressure you into a speedy close. It may be a sign there's something you should know, but may. And the reason could be well worth money.

Sometimes, the seller's Realtor will try to discourage a hesitant buyer with all the threat of another significant potential buyer. Don't fall under this trap-it will only cost money. If there is another consumer, then the seller's agent will endeavour to get a bidding war started out. In these situations, whoever benefits also loses because the client ends up overpaying.

If there just isn't another buyer, there's a excellent chance that "the various other deal" will fall by means of and the seller's agent should come calling. Be sure to let the different side know that you might be fascinated if this were to happen, prior to deciding to walk away.

You may be the type of person who also prefers a hard-and-fast cost on everything. "I don't like to help haggle, " you point out. But negotiation is the key to secure a good deal! If your goal is to get the best house possible for the least amount of money, then you certainly better be prepared to play. Your personal Realtor can assist you with these sometimes-stressful negotiations.

Tip #10: All set - Set - Obtain!

Good properties move quickly! Once you've made up your mind to get a condo and you've prearranged your Realtor, be prepared to help to make decisions quickly. If you find the ideal unit today but usually are ready to buy until down the road, you may already be too late. Is actually that simple-if you have decreased in love with a particular condominium, somebody else in the market probably has also.

If this all sounds like plenty of work, it is. But this is certainly to be expected when you're getting anything of such fantastic value. And you'll thank by yourself and your Realtor when the result is to your satisfaction.

You should feel free to call me if you'd like further explanation on some of these tips, or if you have virtually any real estate questions at all.

Our mission is to share the information and insights I've obtained from years of experience on the market in order to help you optimize your house investment.

The Avenir by GuocoLand. Hotline [phone]. Get Discount, Direct Developer Price, Brochure, Floor Plan, Price List & More. Former Pacific Mansion at River Valley

[colemanaarohan1996]

cheap car insurance austin texas

BEST ANSWER: Try this site where you can compare quotes from different companies :cheaptoinsure.top

cheap car insurance austin texas

cheap car insurance austin texas Reply Delete You can make changes in your policy to pay for the difference on a rental car. You may also want to contact your insurance agent to inform them of this before doing anything. But you may want to buy a liability coverage for the other person to insure themselves, since it protects their personal things, such as cars, personal belongings or personal liability. I just moved into the city. A guy told me that he d like me to buy all my insurance but the car I had in my old car has a cop check and the pay for it would be $200 then I have no money it s a guy who didn t have insurance and it doesn t look well to me, is his insurance covered at insurance so if a rental car hits me then he ll be pretty confident he said insurance and how much this person should pay if something ever happen to me, I told him no. I want the car to be legal to drive. I will be the most careful driver the rental car company. cheap car insurance austin texas We made it to the semi-finals, but not everyone was happy. We had problems with the insurance company and we needed to find a good plan for us. They wanted to cover me for just the state minimum of our policy. One thing people with different policy would try to say by that is that if they have extra protection on top of their insurance policy, they are really not going to pay the insurance. What they wanted to cover was my car. This was in response to the question, does my insurance increase when I get a DUI? People with more insurance than state minimums are at a higher risk of being involved in an accident and causing major damage. As they were discussing our situation, I noticed one of their male drivers, not being able to drive the auto when the other driver was arrested. My insurance increased so much that while it did save money for me, I’m paying an extra $15,000 and having some drivers who I think should be paying over. cheap car insurance austin texas We only drive insurance, so check out us here: We make it easy. We offer low cost auto insurance for those in need of financial independence and convenience. In addition to high quality, affordable insurance rates, we will help our clients manage a variety of risk profiles, help them find better insurance rates, and find the best rates on insurance solutions. Our mission is to provide you with the most reasonable and personalized insurance rates that are guaranteed when you need us. We have found the best quality car insurance at unbeatable prices from several well known partners. We’ve covered all kinds of insurance, from homeowners to specialty vehicle coverages. We’ve been helping individuals and businesses for more than 30 years. We are here to serve the needs of our clients with affordable insurance. With a wide range of companies, we’ve built our reputation for being the most affordable insurance available. Contact us for the best car insurance option. The cost of a new, used car is only $15.

Austin, Texas Local Insurance Agents

Austin, Texas Local Insurance Agents of America Co.. Austin Texas Local Insurance Agents of America Co.   Austin Texas Local Insurance Agents of America Co., a company that specializes in providing affordable Texas homeowners insurance policies, in Austin Texas Homeowners Insurance  Austin Texas Homeowners Insurance Plan for a local Austin agent. Texas Homeowners Insurance in Austin TX Insurance and property insurance companies in Texas. Texas Homeowners Insurance  Austin Texas Homeowners Insurance Plan is a local Texas insurance company offering comprehensive and affordable homeowners insurance at a local price. Austin TX Texas Texas Homeowners Insurance in Austin TX  is the insurance company that sells car insurance plans in Austin TX  If you want to get personalized Austin TX  home insurance quote for a local agent, the fastest way to purchase cheap Texas Homeowners Insurance Austin TX Texas Homeowners Insurance Plan is rated 1.3 out of 5 EasyCar Insurance Reviews. Austin TX  Texas Homeowners Insurance in Austin TX  Austin TX Texas Texas Homeowners.

Auto Insurance Quotes for Austin Drivers

Auto Insurance Quotes for Austin Drivers Credit scores3450 Percentage of uninsured drivers34-year-old drivers34.66% Driving violations in Austin34-year-old drivers35-years-old Austin drivers must drive a four-cylinder, with the four-wheel drive automatically being 30-degrees. On the flipside, Austin drivers who run over a stop sign need to keep their cars as close by as possible and avoid hitting objects. If you’re a safer driver who keeps your record clean, you can find lower rates. Austin drivers pay 50-100% more than drivers in other Texas cities, but it’s not impossible to find cheap car insurance in Texas. Rates can vary a lot depending on your driving record, the type of car you drive and the state. When choosing auto insurance, a high-risk insurance policy is going to come at a price. To be safe and have the lowest rates, know you can expect to.

Average Car Insurance Cost

Average Car Insurance Cost In New Mexico The average cost of car insurance in New Mexico is higher than the national average. However, it is significantly less expensive than the national average since both states allow motorists to use common coverage types in lieu of high auto insurance rates. The average cost of New Mexico car insurance is $1,871 per year for $150,000–500,000 in coverage. Below you’ll discover a variety of factors contribute to the average price of car insurance in New Mexico. Largest Car Insurance Companies in New Mexico The New Mexico car insurance market is dominated by one of the nation’s largest companies, PEMCO. However, PEMCO is one of the largest insurance companies in the country and plays a pivotal role in protecting drivers’ financial futures. The (NMCI) ranks the top five car insurance companies in New Mexico The (NMCI) ranked first in the insurance providers list,.

Austin, TX Auto Insurance Overview

Austin, TX Auto Insurance Overview Auto Insurance Companies are often grouped in one company, which can make purchasing one company easy. But there are companies that are more divided with so many different states and in different industry units. In Texas, for example, they are known as . Texas Insurance Association History Houston was the first city in Texas to establish a law banning uninsured men from driving their cars. Today, there are many insurance companies that have been there for thousands of years, and no matter which side of their family group you’re in, you can be sure they’ll be a highly respected provider. Houston Auto Insurance Companies Houston Auto Insurance Companies Founded in 1899, Farmers Insurance Company is a financially stable and reliable insurance company based in Houston. Its corporate structure is a conglomerate that operates under a single brand name. Its products are similar to a regional health insurance company, with affiliates in Texas, Alabama, Mississippi, Alabama, Mississippi, Georgia, and Georgia..

Allstate Insurance Agent

Allstate Insurance Agent You could lose money on vehicle insurance rates. The state has been making its attempts to reduce its insurance costs, however, it continues to use a number of tactics for keeping premiums low. So what might be going to happen if you re missing out on car insurance? If you re the victim of a hit-and-run or a reckless driver caught by police, you could be held liable for all physical damages in the event that you re the victim of other drivers causing accidents. So if you re wondering, what kind of car insurance do you need? There is, and it will be, the most basic type of car insurance you can buy. The cost of car insurance is based mainly on how much you drive and how much it costs to insure your vehicle. It also depends on the kind of car you re driving, what kind of cover you need, the value of your car and other information. If you re looking at the cost of the most.

Insurance Rates by Credit Score

Insurance Rates by Credit ScoreMost states have some form of law that says car insurance has to be a pretty complex system for making car insurance claims on your policy. Many insurance companies aren t willing to work with you because of it, like your age and credit score, or your marital status and gender. The point of insurance is to protect your financial asset and cover your liabilities. You should purchase car insurance with this goal in mind so you can be fully confident that if something happened to your vehicle or you injured someone else’s car or caused damage to someone else’s vehicle, your insurer would pay the costs. You don’t want to be on the hook for costly or unexpected expenses. It’s possible that your current insurance policy won’t work for you if a claim arose while you were uninsured. That is why it is an important idea to check and see if the coverage exists and isn’t sufficient. If you live in California and your driving records carry no accidents and the.

Austin Insurance Group

Austin Insurance Group can be your home insurer by providing you with a list of insureds and the policy limit of your insurance policy. The insurer will then be able to quote those listed on that policy. Once they know of any listed insureds on your policy and they are paid for any claims, your insurer will send that list of insureds a confirmation notice. If you do not have any listed insureds on your policy, the insurer will take that to court and your claim against the insured will be dropped, unless they get reimbursed by you. The insurer will then issue a judgment saying that you have been hit by an uninsured driver, and they will pay your lawyer any claim against you. Because of the insurer’s financial position, it is better to get your claim dismissed. Although the insurer may have a low base amount of money to pay, they can pay any claims they are willing to file against you and any family members. If they do not get paid soon, you can always file a lawsuit.

FAQs - Austin, TX Car Insurance

FAQs - Austin, TX Car Insurance? If you drive your car to work, work on work and then go to school, then you will be an active driver, but if you don’t, you won’t be as covered. When you get to college, if you’re in the process of getting married, then you will need to be registered to drive. If you get on the same insurance policy it will be cheaper than someone with multiple violations, your rate will get a boost. If you can get off on the cheap insurance rates, that will be beneficial. If you’re a low wage driver, that will cost you a lot of money, and you qualify for a lower premium. The reason I’m about as low as possible to get my rate to just $10 an 18 months is that you will have a higher insurance rate. I’ve been getting in all car insurance carriers, but not in Texas yet. There are things like, you will have to get.

Ed Weeren Insurance Agency

Ed Weeren Insurance Agency was the first independent insurance agent in the nation. I was also employed to get quotes for Trucks Insurance and Insurance for auto/gas/mechanical/safety and car insurance. I was the only employee to use the insurance agent for Trucks Insurance. I was also employed to get quotes for Trucks Insurance and Insurance for Motorcycle Insurance. I was the only employee to use the insurance agent for Trucks Insurance. Insurance company claims process ProsCons Multiple phone numbers and office staff.Phone not available everywhere.Only available in the U.S. Multiple agents and brokers working independently for many more. Free shopping for and insurance plans through many different insurance providers .

Watkins Insurance Group

Watkins Insurance Group Inc., with a financial strength of A (excellent) and a financial strength rating of A (excellent) based on policies in effect from July 24, 1997 to November 30, 2003. The policy and claims policies of Atkins Insurance Group Inc. and its members are exempt from application of the tax on health insurance premiums paid for health benefit plans in excess of the amount of the premium billed by health benefit plans in effect from March 27, 1995. The tax for health insurance premiums paid by Atkins Insurance Group Inc. for members is not applicable to those who do not own a plan other than a health insurance policy. An exemption may apply to certain health plans in which a deductible of less than 5% of the member’s Federal or State contributions is applied. (R.S. #816(a)) The health insurance plan provided for by these plans is approved by the Federal Employees Health Benefits Plan Administration (FEGPA) to have at least five equal members participate. The.

[anayahinckley]

is renters insurance required

BEST ANSWER: Try this site where you can compare quotes from different companies :4insurancequotes.xyz

is renters insurance required

is renters insurance required for certain property values in a particular area, but this should be considered when purchasing a renters insurance policy. You are required to purchase renters insurance if you rent a commercial (or personal) property in a location that is primarily used for work or living. You will want to buy a renters policy if you live in a location that does not frequently have dangerous work places, with high property values, or with a large commercial property, for instance. Renters in an office building or garages should consider purchasing renters insurance to protect their financial exposure when the needs arise. Your renters insurance policy may cover your personal belongings that are damaged in an accident while they are inside of your home. It may also provide emergency living expense coverage if you rent the premises of your office, on premises, or in a commercial building on property that is used as your living area. In general, renters insurance coverage may only provide coverage for a personal property or liability risk that you may, therefore, be liable for if any damage is. is renters insurance required only for a rental to be issued to a renter and to be the same amount as the one in your home (like a standalone house policy). If you don’t already have renters insurance for your home in this situation (and sometimes even your auto-car insurance isn’t covered under the renters insurance policy), renters insurance may not cover damage to the property itself. This is one of the few reasons why we always recommend asking your agent about what kind of renters insurance you should buy before you go to sleep. There are a few factors you can t control, such as your age and your health, but you should never be too worried about whether you’ll be covered for damages to the house after a loss from a loss from a vehicle. We have helped renters insurance providers determine what the right type of renters insurance is. You could be paying too much, or your insurance company won’t cover you when you have a loss from a car or another types of vehicle. is renters insurance required by Minnesota? We can help you find it. • How many days a week do you pay for renters insurance coverage? • If you get into a not-at-fault accident • When your car is stolen/uninsured • If you have • Did you know you need renters insurance? • If you want to protect you from liability or theft of your belongings, • You have Compare quotes from the top insurance companies and save! ​ Renters insurance is simply a policy agreement. Your policy promises coverage for bodily injury and property damage (this is often called “physical injury insurance” or “permanent injury insurance”). That’s when most people get their insurance. This is where the terminology annual renewal becomes more important. It means your policy’s renewal is the first annual renewal. In Minnesota, every person is required by law to purchase a minimum of 3.

What About My Landlord’s Insurance?

What About My Landlord’s Insurance? Here are some of the basic issues that they need to understand. When there’s a fire or flood, all of the necessary insurance is going to be necessary and it’s not only there that they have to pay out. They need to cover themselves. With a personal property situation, insurance is required by law. They pay to have them covered with it, however as a homeowner, an employer, or rancher who’s own the policies themselves will have to own a policy. As a landlord, you’ll generally find a lot of insurance on your rental home. It’s not just over there that they need to have that insurance. Your landlord’s insurance policy might include what they call the , but it may also include the , as well. As is well known to most, there are several kinds of coverage that will insure against fire damage. This type of insurance specifically is required to protect your company from damage you cause to your personal property..

Renter’s insurance helps the tenants.

Renter’s insurance helps the tenants. Avant­age: As an employer in Indiana, an insurer’s ability to pay its premiums must depend upon your plan to create the policy. Expectation: To save on insurance costs. Read more about purchasing an Indiana-style policy: » MORE: Methodology For our “good driver” profile, NerdWallet averaged rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes: $100,000 bodily injury liability per person. $300,000 bodily injury liability per accident. $50,000 property damage liability per accident. $100,000 uninsured motorist coverage per person. $300,000 uninsured motorist coverage per accident. Collision coverage with a $1,000 deductible. Comprehensive coverage with a $1,000 deductible. If required.

How can you ensure your tenants are carrying renters insurance?

How can you ensure your tenants are carrying renters insurance? It’s actually quite difficult. The good news is, the state minimum in many of the states is often less than the standard policy in the market — making renting a second home a much more affordable and pleasurable option. There’s nothing you can do to get your insurance policy at a lower price, so you’re covered. But if your landlord’s insurance doesn’t cover it, he or she could probably find himself in similar trouble, with penalties that could outweigh your own damages. And if your tenant does need to carry renters insurance, he or she should consult with an attorney about a case where there’s “actual or insufficient claimant,” such as a lawsuit stemming from a house fire. Most states provide coverage for a certain number of losses, called “liability limits.” These limits are generally used to ensure that the property’s insured is up to full value and doesn’t need to be taxed.

Can a Landlord Require Tenant Insurance?

Can a Landlord Require Tenant Insurance? Here’s what you need to know about this very basic question from our top insurance experts. Lenders will look into a Landlord’s Insurance Policy Many common examples include: Landlords have other property or casualty insurance needs that they’ll need even when it comes to replacing broken windows, replacing lost or destroyed walls (including broken glass), replacing damaged furniture, or for replacing or replacing stolen items. To protect yourself from financial losses as a result of property and casualty losses, most lenders require the tenant to purchase insurance that will protect them from significant losses. If a tenant’s property or premises gets damaged, will this coverage include the tenant’s policies? Yes! Lenders require renters to carry insurance regardless of the extent of property or casualty losses, including vandalism or theft. How Long Will It Take to Add Landlord Insurance? The length of the window of a condo must be installed.

Renter’s insurance helps screen potential tenants.

Renter’s insurance helps screen potential tenants. For example, let’s say I find an item or a sign that could potentially protect my new personal belongings if frost damage occurs. Can I use this item or sign to get health insurance for my children? If not, you could end up having to pay higher costs for your children’s health. In most cases, you’ll have insurance for only one person per family, with the rest covered by your spouse or other family members. One major benefit of purchasing the insurance provided by Progressive is the benefit to your spouse who is unmarried or has any children. If you need to hire a babysitter to babysit your young children, you will have to pay for every expense on your own plan. The second benefit to your own family is the child care for the new parents which will be funded by the family plan. However, your family’s children will not be automatically added to the family plan and all parent(s), and your family will also be subject to any.

Why should a landlord consider requiring renters insurance?

Why should a landlord consider requiring renters insurance? The answer, as you noted above, is a yes. Renters insurance is required because the California Department of Insurance and Consumer Service has the authority and protection it requires to provide insurance for landlords. You may also be wondering, when you rent a home, how much rent is to insure? According to the , there are a variety of factors that affect a landlord’s insurance policy. These are, according to the , factors that are going to affect the cost of insurance: For a California landlord looking to insure a home, it’s helpful to know that a mortgage lender has the authority (and duty) to give a cost estimate. In addition , there are restrictions that apply to landlords. Depending on the lender, this could be for a fixed cost of construction (for example, with an insurance company providing a high-premium home), or it could be other factors that are not covered by the California housing tax credit. Let’s look at some of the most common factors.

What are the benefits of renters insurance for landlords?

What are the benefits of renters insurance for landlords?  If you your landlord will reimburse you for all of your property damage.  You will also notice an on your insurance claim for the landlord s damages insurance is one of the simplest (more affordable).  It is best to know what is covered by renters insurance for renters?  Some of the common differences among renters insurance providers are a few different categories which we will cover below. Let s start with the basics of renting.  Most renters cannot be sued for any other nonmedical costs incurred due to a .  A few insurers may reimburse you for all of your medical bills incurred in the past 60 days.  But if you have a , this does not mean your medical bills can be forgiven.  Your landlord can deny your insurance claim if they have already paid you a fair settlement amount.  If they do this, the insurance company will claim a partial or partial reimbursement.  That is called the .  The deductible amount generally can be an for renters insurance for renters. .

How to get renters insurance

How to get renters insurance and how to get renters insurance quotes at stores, by credit agencies and the general general public. The first is that you get auto auto insurance and then something else. Second is that you have renters insurance. These are like the two, but not the other way. How to get renters insurance from each insurance company? The first things, you will need to get renters insurance. They will only insure you a basic amount of coverage and you may pay more for renters. This is different than you would do because you’ll have more coverage if the vehicle is a rental. The second thing that you will need is for personal liability insurance or rental insurance. If you don’t have it, you can get that through the  or a state insurance agent. First, you need to find an insurance company that is willing to meet your insurance needs. These policies often run from $50 to $250 per month for basic coverage. They can be much more expensive for you, depending.

How much does renters insurance cost?

How much does renters insurance cost? I think the rate that a lot of people pay they will always be under the same. So much so that the price isnt just a dollar per month but a thousand dollars per year on average, but it is so fair at all times and the fact that it is that at the time of a stroke someone is looking to insure their home. The reason a policy is that the insurer is required to pay any and all claims, regardless of the insurance carrier’s claims reproach to other states and companies. The issue with this is also that in my opinion, insurance carriers’ reputations are very accurate in that they are not really that good at finding and protecting homes. So they really do not need to pay the claims that they should. Not to say that an insurance company is bad at insuring homes, but in our experience the coverage they have in the home market is fairly good. There are a lot of other perks to insuring your home. If.

Renter’s insurance reduces the possibility of a lawsuit against the landlord.

Renter’s insurance reduces the possibility of a lawsuit against the landlord. So, it s important to know what it means to protect a rental property if something happens. Your insurance company would be required to cover any damage to your rental property, including the injuries or property damage. So, you might not need a liability insurance company. So I recommend buying as much insurance as you can afford to protect yourself. For the best rental insurance coverage, compare quotes from multiple insurers available at the time of purchase to see which option is best the best policy for you. You ll need to weigh these factors carefully when shopping for the best rental insurance. In order to review your rental insurance options, you should consider the following: The average rental insurance policy costs around $4 a day, which includes liability, personal property, and liability insurance. The average policy is around $250 a month. We ve researched the best rental insurance on to find the cheapest. This is a great question. Here are some good rental insurance companies. It s easy, affordable, and you save on insurance.

[sector2020]

Why the Biggest "Myths" About Neinstein lawyers May Actually Be Right

Insurance coverage business might attempt to eliminate cases as rapidly as possible to lessen the payment considering that they represent their customer's monetary interests. Extremely typically, the very first deal is a low-ball deal that they hope the victim will accept. An accident lawyer can determine whether a deal seems fair.

Think about ending up being an Enjuris lawyer member today! Inform your story - What would you want others to understand? Inform us what took place in your accident, and how life has actually changed for you.

A few of the most common kinds of cases handled by this kind of legal representative consist of: Animal bite injuries, Auto accidents,Aviation accidents,Bicycle accidents,Boating accidents,Brain injuries,Burn injuries,Construction accidents,Defective products,Insurance/bad faith claims,Medical malpractice,Motorcycle accidents,Nursing home abuse,Pedestrian accidents,Slip and fall accidents,Spinal cable injuries, nd Wrongful death Attorneys who focus on this area handle cases from inception through appeal.

It is normally recommended to use your health insurance or vehicle medical payments protection applicable to the accident. This coverage can be used to pay medical expenses within a reasonable time after they are incurred rather than asking healthcare providers to wait until the case is settled. If you have this kind of insurance coverage, any benefits payable will not count versus you or cause your rates to increase.

Due to the nature of this customized field, the efforts used up by your attorney may be erratic you may not speak with your attorney's office regularly. However, you should be able to call and get reasonably prompt response your lawyer shouldn't leave you in the dark about your own case.

An attorney can not continue up until he or she is advised that you have been released by your medical professional and have actually recuperated from your injuries - or have actually been recommended that your physical condition has actually stabilized. At that point your legal representative can begin assembling medical reports, records and bills, employment reports and other products needed to record each aspect of your damages.

The next step is to get a deal from the insurance provider involved. This is another source of delay considering that each case is generally evaluated by a variety of insurance coverage company employees. When a deal is gotten, it needs to without delay be sent out to you for evaluation and your attorney will talk about possible strategies.

The accuseds brought into the case usually have thirty days from the time they are served in which to file their reaction to the lawsuit. Sometimes there are a number of offenders and some may be hard to find. In some cases one defendant will bring other accuseds into the lawsuit. After all accuseds have filed their particular "responses," "discovery" proceedings are begun which might include depositions of celebrations, witnesses and specialists.

Discovery can be very lengthy and pricey relying on the intricacy of any given case. For some tips on what to expect, see Getting Ready for Your Accident Claim After discovery is finished, a trial date is asked for. The assignment of the trial date is completely beyond the control of any party to the suit, but depends on how busy the Court is where the suit is submitted.

Not only is the injured individual not able to work, but at the exact same time might have an increase in monetary obligations. If it is fairly apparent that you will be not able to satisfy your financial commitments, you should instantly notify your different lenders before you end up being significantly in defaults on your required payments and ask to suspend your payments until such time as you have actually returned to work.

If necessary, your lawyer can contact your creditors for the purpose of verifying the accident and, if requested, consent to protect your financial institution's claim out of the proceeds of any settlement. When talking to your lenders, you ought to examine to see if you have Credit Disability Insurance that makes your loan payments while you are disabled.

In a car accident case, when the other party is at fault their liability insurance business is responsible for providing you with a rental automobile while your car is being fixed. Normally, you will need to rent the automobile and pay personal injury lawyers for it first. You are likewise accountable for insurance, tax, and gas on the rental automobile.

Do not discuss the mishap with anyone other than your legal representative and your doctors. If anybody concerns you about your case, inform them that you have actually been instructed not to discuss your case. Refer all inquiries to your attorney. Your lawyer will instruct you on a variety of things you can do (or avoid doing) to help secure your injury case.

Send your attorney copies for all bills you sustain relative to the accident, even if your own insurance provider is paying them. Alert your lawyer instantly when your medical professional has actually released you from further care and when you have returned to work. Alert your lawyer immediately if you have a change of address or phone number.

Having a knowledgeable legal representative handle your injury case not only makes sure that you are compensated to the extent needed by law, however must likewise eliminate much of the concern of dealing with insurance provider and creditors.

When you're seriously hurt in a mishap, you need an accident lawyer to manage your claim. However, exactly what does a personal injury lawyer do? The majority of individuals understand that if you are injured in a cars and truck mishap, a personal injury lawyer can assist you get payment for your injuries.

The attorneys at the Dolman Law Group and Sibley Dolman cover several practice areas that fall under accident law. If another person or a business hurt you, call our companies for a free consultation and case examination. Whether you're harmed in a fall or an automobile accident, by a faulty item or due to some other incident, you need to focus on your healing.

He develops a barrier between you and all of individuals who would disrupt your comfort. As your medical bills begin to stack up, hospital administrators will would like to know how you prepare to pay them. If you were associated with a vehicle mishap, the examining law enforcement officer will desire responses.

They'll want to identify if they owe you PIP benefits and if they owe the other motorist's damages The other motorist's insurance provider will require to understand your variation so they can figure out if they can leave without paying you anything. If you fell on someone's residential or commercial property, the liability insurance coverage company will would like to know what took place.

While you may be able to deal with these and other problems on your own, you have too much at stake to go it alone. Throughout the complicated post-accident days, your accident lawyer steps in on your behalf. As your legal representative, he forces individuals to handle him instead of troubling you.

An accident lawyer safeguards your legal rights. That sounds basic but it needs that he acknowledge and anticipate legal problems before they emerge and intervene in your place. This frequently involves a constant circulation of tasks. If somebody else has injured you, you might be entitled to collect settlement for your injuries and losses.

If the insurance coverage business refuses to come to a reasonable and sensible settlement, an injury lawyer must be prepared to take your case to court. Your version of the accident becomes lawyers in Toronto the roadway map your legal representative follows as he safeguards your legal interests. When your attorney discusses your case with you, he listens for facts and information that require additional clarification and follow up.

If you were injured in an auto accident at an intersection, your council will desire to understand about lights, traffic signals, speed limits, or traffic indications that control access to the highway. If you were hurt in a slip and fall accident, he will wish to understand the surface area on which you fell.

He would need to know about anything that could have triggered or contributed to your fall. Part of getting ready for settlement and trial is doing an investigation of the case and carrying out discovery. A personal injury lawyer will investigate your case, which may involve working with skilled witnesses, in addition to discovering all of the evidence available as an outcome of your accident.

#personal injury #lawyers #toronto

[kuwaiti-kid]

3 Things You Need to Do to Protect Your Side Hustles

Does it seem to you like everyone's talking about side hustles these days?

Side hustles 2020. How to make money in a side hustle. Side hustles you can do from home. These are some of the headlines I've seen.

We've jumped into the fray here at Your Money Geek the writing is about how to start a side hustle, the different types of side hustles, side hustles that generate passive income, and many other versions of the story.

I'm not suggesting that's a bad thing. Creating multiple streams of income from side hustles is the ticket to financial freedom for those willing to jump into the action.

What concerns me about the side hustle discussion is what's left out of it. I've not seen a single post about how to protect the income generated from the side hustle.

How does the IRS tax it?

How should I claim it? Should I set up a separate entity?

Do a sole proprietorship?

What are the liabilities associated with the side hustle?

Can I be sued? If so, how can I limit my liability?

In this post, we're going to dive into some of these questions. We'll offer some thoughts on how to keep more of what you earn through your side business.

What is a Side Hustle?

Let's start with a definition of what a side hustle is. For the record, I dislike the term side hustle. I'm not sure where it started. Perhaps it's been around for decades. I don't know.

To me, the term side hustle sounds a bit shady. When you think of a hustler, what's the first thing that comes to your mind? Is it someone who works hard and hustles to get ahead? Or does it represent someone a bit shady? You know, like, “that dude hustled me out of a hundred bucks.” For me, it's the ladder definition. Getting hustled is not something anyone wants to admit has happened to them. Perhaps I'm showing my age or my cynical side.

In its most basic form, it's any income produced outside of your regular job. It may be a part-time job. It may be owning rental properties. Maybe it means being an Uber driver or a Wall-Mart greeter. Whatever the means to produce additional income the popular (and accepted) term for it is the side hustle.

Even busy people get into side hustles.

Side Hustles 2020

As you might expect, side hustles come in many shapes and sizes. Below is a list of ten ideas that may offer some help if you're considering a side hustle. These are in no particular order, and there are dozens of others we could list.

Blogging – Probably the number one way that Millennials start their side businesses. With over 2,000 blogs on personal finance out there, you'll find course after course on how to make money blogging. Be careful. Blogging is hard. Making money at it is even harder. That doesn't stop bloggers from peddling their courses, eBooks, and such to generate some income.

Selling on eBay – Many people make decent money selling items on eBay. It takes some work, but those who stick with it make good money.

Driving for Uber –  If you own a car, you can make some extra money driving for Uber. Getting started is pretty straightforward. Like any side gig, there are pros and cons.

Airbnb – Do you own a home? If so, it's a potential asset to get some side income by renting it out via Airbnb. You can rent the entire house or a room — your choice.

Mystery shopping – Many companies will pay you to go into the store or shop online and share your experience.

Dog walking –  Pretty self-explanatory.

House-sitting –  Staying at someone's house while they travel. That can be a week's vacation, several months, or even longer.

Get a part-time job – Going old school here. Plain and simple, go find a part-time job doing something you like.

Passive income

Real estate – One of the more popular side hustles and one that's written about the most. Investors buy single-family homes or condos and rent them out to tenants. Another popular option is crowdfunded real estate. DiversyFund and Fundrise are two we've written about.

Dividend investing  – Another topic that's written about a lot is using high dividend-paying stocks to generate passive, tax-favored income. Qualified dividends have favorable tax rates from the IRS. A lot of blogs focus their writing on teaching people how to do invest in dividend-paying stocks.

Whether income is active or passive depends on many factors. My advice is to investigate those things very carefully before starting.

Side hustles 2020 –  Protecting Your Income

Alright. You've selected your side hustle, and you're generating some income. From what does that income need protected? For one thing, taxes. Another oft-overlooked risk is being sued. Making sure you understand how both of these things place risk on your income is essential before starting your side hustle.

We'll look at each one separately.

Taxes

The IRS taxes income. Period. Whether it's passive or active determines the tax rate. Here's how the income works in most cases. The entity from which the income comes issues a 1099 tax form to the recipient of that income. There are numerous types of 1099's issued depending on the source of the income. If the income comes from dividends, you'll receive a 1099-DIV. When the income is from interest income, you receive a 1099-INT. If it doesn't fall into any specific category, the catch-all form is the  1099-MISC. The majority of the income generated from side hustles comes in the form of a 1099-MISC.

In contrast, income from an employer comes in the form of a W2. What's the difference? A big one. In a W2 income, the employer withholds taxes from your paycheck and sends it to the IRS on your behalf. How much they withhold depends on your income.

In addition to Federal taxes, they withhold taxes for your state as well. Finally, there are FICA (Federal Insurance Contribution Act) taxes. That's tax withheld for Social Security and Medicare. In W2 income, employers withhold 6.20% of the first 132,900. The employer pays the other 6.20%. Additionally, there is a tax for Medicare. The Medicare tax has no upper-income limit. You will pay a tax of 1.45% of all income. Incomes over $200,000 ($250,000 if married) pay an additional 0.9% tax.

Self-Employment Tax

Guess who's responsible for these taxes if you get 1099 income? You guessed it, you are. It's critical to understand this when thinking about generating additional income. If you expect your total tax bill for 2019 to be over $1,000, the IRS requires you to pay estimated quarterly taxes.

FICA taxes are killer when self-employed. Remember, on W2 income, The employer withholds 6.20% and pays the other 6.20% of the FICA tax. They also withhold the Medicare tax. Total that up, and that's 15.3%! If you fail to pay your estimated taxes, the penalties and interest are killers.

Suffice it to say neglecting the taxes on side income can cost you a lot of money.

Liability

The second major issue that can derail your side hustles is getting sued. Liability can ruin your day in a hurry. Why would someone want to sue you? It doesn't take much. Here are some examples.

Let's say you own rental properties. You have a sidewalk in need of repair that you haven't gotten around to fixing. Someone comes to the house, trips on the raised concrete, and breaks their arm. Or worse. At the very least, you will be responsible for the medical bills for the individual. Assuming you have a decent homeowners insurance policy, you should be okay. Then an attorney from Dewey Cheatem and How finds the injured party. They convince them they should sue.

Rest assured, they want much more than your medical bills paid. They want damages over and above that. Homeowners policies have a maximum liability for these lawsuits. Being underinsured could be very costly. Almost any of the side hustles listed above come with liability.

Blogging risks

Blogging seems like a low-risk venture at first glance. For the most part, it is. In the personal finance space, it may not be. Why?

Most personal finance bloggers write about investing, saving money, spending, and other of these types of topics. Most of them give investment advice to their readers. The vast majority have no formal training in investment management, financial planning, or many other topics they write about. Most of them have a disclaimer saying they aren't giving investment or professional advice. Fair enough.

Let's say you have an article (one of the hundreds of them) about investing in the three-fund portfolio from Vanguard. You read that this is one of the most straightforward, least expensive portfolios that cover the entire market. For the most part, that's true. So you invest in the three fund cure-all portfolio during this one of the longest-running bull markets and go about your business. Then it happens. A 2008 type of financial crisis rears its ugly head again. This time it's worse. The U.S. and international stock markets drop more than 50%.

Hold on! No one told you about the risk? You thought this portfolio was the be all do all of investing. You feel cheated. Another partner from Dewey Cheatem and How calls you. He gets you fired up about the dereliction of duty of that untrained, opinionated, mouthy blogger who convinced you that portfolio was the best thing ever created. And now you've lost more than 50% of your money. Yes, you actually did lose that money because, in the heat of the crisis, you sold everything. YIKES! That's an attorney's dream scenario.

Far fetched? Maybe. Do you want to risk it? Probably not. There are ways to mitigate these risks.

Lowering Liability Risk

I'll give you three things to consider to help protect your side hustle income.

Pay attention to taxes – If you're a do it yourself tax person, be sure to dive into your software or the IRS website to understand how your side income will be taxed. It's best to do this BEFORE you start. Waiting until the year is over and taxes are due is not a good plan. You can manage taxes. But you have to understand how your income gets taxed to deal with it.

Choose the right business entity – Setting up your side business as a Limited Liability Corporation (LLC) can limit your personal liability. They're relatively inexpensive to start. An LLC shelters your personal assets from lawsuits. Though nothing is foolproof, this layer of protection makes it much harder. You can have a one-person LLC. No need to overcomplicate it.

Have adequate and the right kind of liability insurance  – Back to the rental property example, if someone gets hurt on one of your properties, having an umbrella liability policy provides an extra layer of financial protection. Umbrellas policies add additional insurance over and above the home owner's policy. They are usually relatively inexpensive and well worth the money. If you're a blogger, consider a business insurance policy that includes liability coverage. There is even coverage available specific to bloggers. Though relatively new, it speaks to the proliferation of bloggers and the potential liabilities they face.

Final thoughts

Does all of this talk about lawsuits, taxes, and liability make you want never to start a side hustle? It shouldn't. And I'll grant you that the examples I used would fall into the category of extreme. But isn't that always the case with lawsuits? Attorney's live for situations where they can set a precedent and get the big payout. 

The steps I've outlined here to protect yourself are pretty simple. An LLC is relatively inexpensive to start. Liability insurance is cheap too.

I'd say the biggest and most complicated issue to deal with for side hustles 2019 is taxes. It's essential to understand the type of income you will receive in your side business. Understanding and planning for that in advance will save you potentially big money and hassles in the future.

So, by all means, start your favorite side hustle. Find something you like and have at it. Throw caution to the wind to get it started. That is except when it comes to taxes. Protect yourself and your income from liability. Do the three things suggestion – pay attention to taxes, think about your business entity and get liability protection – and you'll be on your way.

Success is right around the corner.

The post 3 Things You Need to Do to Protect Your Side Hustles appeared first on Your Money Geek.

from Your Money Geek https://ift.tt/3dT8YsO via IFTTT

#IFTTT #Your Money Geek

[thechasefiles]

The Chase Files Daily Newscap 20/5/2020

Good Evening #realdreamchasers! Here is your daily news cap Wednesday 20th May, 2020. There is a lot to read and digest so take your time. Remember you can read full articles via Barbados Government Information Service (BGIS), Barbados Today (BT), or by purchasing a Daily Nation Newspaper (DN).

MORTGAGE DEFAULTS LIKELY - Commercial banks and other mortgage lenders have been warned that even after the three to six months moratoriums now in place, there will still be many property owners unable to make their mortgage payments on time, senior real estate figures have said. Head of Terra Caribbean, one of the region’s largest realtors, predicted fallout from the business closures, curfews and other effects of the coronavirus pandemic. And with more than 36,000 Barbadians on the breadline, they urged lenders and borrowers to engage. Andrew Mallalieu, Terra’s chief executive and the company’s chief operating officer Hayden Hutton told journalists that commercial banks will have to plan for dealing with increased loan delinquency, while homeowners will have to talk to lenders about how they will repay these long-term debts. The CEO also cautioned commercial banks that it made no sense trying to sell properties through foreclosures in the current market conditions. He said it was much better for the two sides to engage and come to an agreement on the way forward during this unprecedented crisis. British luxury market specialist Edward de Mallet Morgan, who joined the virtual news briefing from the UK, said there was still a strong appetite in Britain for real estate in Barbados and he expected that this will continue after the COVID-19 crisis has passed. Mallalieu told the media there were several key indicators of activity that Barbadians needed to focus on which would signal the start of a sustained reactivation of the tourism market and real economic activity. These, he said, included the reopening of Grantley Adams International Airport to international flights, resumption of classes at Ross University where more than 1500 students and faculty are accommodated, the amount of airline seat availability and capacity given new COVID-19 protocols, long-stay visitor statistics, as well as transaction volumes and leads in the local realty sector. (BT)

RENTERS NOT PAYING – Tenants who are not paying their rent because of the COVID-19 pandemic are causing severe financial problems for property owners. Several landlords told Barbados TODAY that since the national shutdown started in March they have been finding it difficult to get their rent from tenants who are using Prime Minister Mia Amor Mottley’s appeal for landlords to be lenient as an excuse not to pay up. The landlords argued that while the tenants are not keeping up their end of the contract, as property owners, their personal financial commitments, including mortgage payments and utility bills for the rental properties, are piling up. Dwayne Johnson said he was frustrated dealing with the issue to the point that he was forced to make the decision on Monday to have the electricity turned off at one of his all-inclusive rental studio apartments. He explained that the light bill at that location had reached over $900 and also noted that even before the pandemic started the tenant had owed him hundreds in rent. “Tenants are telling me that Mia Mottley said that basically tenants cannot be evicted and that tenants should not be paying rent, light, water or WIFI because it is free until COVID-19 is over. That is what a few of my tenants have told me and some of them are working. “This is extremely frustrating because at the same time, the bank is expecting me to pay my mortgage and the Barbados Light & Power is expecting me to pay them. I have to pay the water bill. I am not going to turn off the water because that is a basic necessity. My packages include utilities and WIFI, so if you do not pay the rent I cannot pay the bills. You are putting me in a situation where I am going to be bankrupt and out of business and I am not going to be able to feed my kids,” he said. Johnson who said he has had to employ the services of his lawyer to deal with the matter, said he understands that the pandemic has made it difficult for some persons to meet their financial obligations. He said this is why since March he offered his tenants the opportunity to negotiate to pay some of the rent so he could at least pay the bills to keep them on. However, Johnson noted that some tenants were not even willing to negotiate. “Tenants owe, tenants left, tenants don’t pay me because they are using COVID-19 as an excuse. I am like guys, you still have to pay the light but they are like no we ain’t paying. We are going to live and you can’t do anything about it. “I am not getting into any physical confrontation with anybody. I am going to use the law. I am going to go through my lawyer to deal with that. And then when people owe you money, sometimes it is difficult for you to get this money because the court process really takes time and you still have to pay the lawyer,” he said. Another landlord who asked for her name not to be used related to Barbados TODAY that she has been experiencing the same issue her tenants. The elderly lady said from speaking to other landlords she believed tenants had taken the Prime Minister’s appeal out of context. She said a husband and wife who she believes are still working have not paid rent for the past four months. “Prime Minister Mottley asked landlords to be lenient on tenants. But when you got a tenant that owes you before this thing happen what do you do? But yet the water people telling you where to pay the water bill. I could understand when somebody genuinely doesn’t have, but not that you owe me before and then you telling me nonsense. “If somebody usually pay you good then you could be lenient on them because you know when they start back to work they will start paying you. I even hired a bailiff for that husband and wife and them tell me they are not frightened for no bailiff and leaving every morning. And I can tell you a lot of landlords having this problem,” the landlord said. When contacted, another landlord said she has two apartments, each occupied by a couple. She said while one couple negotiated to pay half of the rent until their financial situation returned to where it should be the occupants of the other apartment informed her that they will resume paying rent after the pandemic has passed. “What got me vex is that the boyfriend not working but the girlfriend is an essential worker. They don’t have any children, so why can’t they even negotiate like the other two that they will pay half the rent? “People see landlords as unfair. But people need to understand that landlords have bills, mortgages to deal with and families to support too. And landlords dealing with the corona virus like everybody else,” the aggrieved landlord lamented. (BT)

MARSHALL WARNS OF CHANGES TO NIS - Barbadians are being warned that the recent run on the National Insurance Scheme (NIS) due to the precipitous fall in the employment numbers as a result of the COVID-19 pandemic could result in people having to pay more in contributions within the next five years. Additionally, head of the Sir Arthur Lewis Institute of Social and Economic Studies (SALISES) at the University of the West Indies, Cave Hill, Dr Don Marshall, is putting citizens on notice that the setback from the health crisis, coupled with the country’s anaemic population growth rate, would also likely result in the national retirement age moving from 67 to 70 years old. “It would likely result in a combination of us having to pay more money in NIS contributions, a turn to private pensions plans to prop up the national social security system, and working until you are 70 years old. These are things that are staring us in the future, although there are dynamic counter-movements to the notion of work until you drop. (DN)

QEH URGENT APPEAL FOR BLOOD DONATIONS –The Queen Elizabeth Hospital (QEH) Blood Bank today issued an urgent appeal for blood donations. "All blood types are needed and donated blood products will help replenish the QEH Blood Bank’s supply to ensure that blood products are readily available for patients with serious medical needs such as cancer patients, people with blood disorders, premature babies, cardiac procedures and trauma victims," a statement said. Volunteers between the ages of 18 and 70, who weigh at least 110 pounds, and are in generally good health are asked to call the National Blood Collecting Centre at 429-4307 or 836-7993 to make an appointment to donate blood. The Centre, located at Ladymeade Gardens, St Michael is open between 8 a.m. and 3:15 p.m. on weekdays and 8 a.m. to noon on Saturdays to facilitate blood donations. The statement said only people who have made an appointment and are scheduled to donate blood will be allowed access to the facility. It said each whole blood donation can help save up to three lives. (DN)

APPOINTMENTS AFTER PROTESTS – Some health care workers received their long-awaited appointments yesterday. This was revealed after Prime Minister Mia Amor Mottley, Minister of Health and Wellness Jeffrey Bostic, other ministry officials and acting general secretary of the National Union of Public Workers (NUPW), Delcia Burke, met at the Lloyd Erskine Sandiford Centre. The meeting was held as nurses and other staff walked off the job at the Winston Scott Polyclinic in Jemmotts Lane and the Branford Taitt Polyclinic on Black Rock Main Road, and others staged a sickout at the Geriatric Hospital, Beckles Road, all in St Michael. Burke, who outlined the issues, said environmental health officers and environmental health assistants who were finally appointed had in some cases been acting in those roles for up to 15 years. She could not at the time say how many were affected. (DN)

POLYCLINIC AND GERIATRIC HOSPITAL NURSES IN BRIEF WORK STOPPAGE – Nurses were off the job briefly at two central polyclinics and the Geriatric Hospital today, drawing Prime Minister Mia Mottley into an emergency meeting with their union and Minister of Health Lt Col Jeffrey Bostic. The nurses at the Winston Scott Polyclinic on Jemmotts Lane and Brandford Taitt Polyclinic, Black Rock, followed their colleagues at the elderly care hospital in a show of solidarity with their protest over COVID-19 safety concerns.

But following the meeting at the Lloyd Erskine Sandiford Centre, the Government and the National Union of Public Workers (NUPW) agreed that a lack of communication was to blame for the work stoppage. NUPW acting General Secretary Delcia Burke said the issues at the Geriatric Hospital surrounded the distribution of Personal Protective Equipment (PPE) and sanitizing material. She said the workers also had an issue with an area identified to quarantine people suspected of having COVID-19. But Burke said the Ministry satisfied the NUPW that the PPE and sanitizing material had been distributed and that the area identified for quarantining suspected cases “was not for the purpose the nurses thought it was”. “So again that was a problem with communication and these things are going to be communicated to the members of staff at the Geriatric Hospital so that they understand what is going on at the hospital,” Burke said. The parties also agreed that weekly meetings would be held between the nurses’ representatives and the Ministry of Public Service, but will include other ministries as issues arise. Following the meeting, the Minister of Health said the dialogue was necessary to ensure that the national health care system was not affected. He suggested the issues cropped up where authorities are grappling with a number of issues including COVID-19. He also noted that he had to leave the World Health Assembly’s virtual meeting to attend to the matter but praised the nurses for their contributions on the COVID frontline. Lt Col Bostic declared that the issues had been resolved and said the Ministry of Health is to improve communication to the nurses. He said: “I think once we do this and we meet regularly with the relevant stakeholders that we should be able to resolve all issues over the course of the next weeks or months. A lot of the things have been dealt with already but have not been communicated to the persons involved.” Burke also said the meeting discussed the appointment of Environmental Health Officers and nurses at the polyclinic but the union said the appointments had already been effective since last Friday and that the officers are to be informed. Burke added: “There was also a problem with temporary doctors who had some issues which were discussed today and which will be sorted out as soon as possible and then there were other issues relating to the Geriatric Hospitals that were worked on or have been worked on and therefore will be communicated to the nurses and the other staff at the Geriatric Hospital.” But president of the Barbados Nurses Association Joanna Waterman said that the concerns addressed at the meeting were minor issues compared to what nurses are experiencing. She said nurses have worked under deficient conditions for far too long, including sporadic salary payments with as long as six-month delays. Waterman told Barbados TODAY: “Recent appointments were done some from 2017, and those nurses are still being paid as temporary workers so it has reached the frustration point. “Everybody around the world has clapped for nurses, we appreciate the clapping and the praise but that is not enough. The nurses are demanding improved conditions right across all of the institutions.” (BT)

ANTIGUA WILLNG TO PURCHASE DIGICEL SHARES - Antigua and Barbuda has indicated that it is prepared to acquire the shares of the financially strapped Irish-owned telecommunications company, Digicel, if it is unable to provide a service here in the future. Earlier this week, Digicel Group One Ltd, the Bermuda-based holding company, announced that it had gone into provisional liquidation there and had also filed for Chapter 15 recognition at US bankruptcy court in Manhattan. But a spokesperson for Digicel, which operates in more than 30 markets in the Caribbean and South Pacific, said the moves would not affect the regular operations of the company and were aimed at strengthening the balance sheet. “It’s important to point out that this will have no impact on our day-to-day operations, our staff, our suppliers, our customers or any aspect of our ongoing activities — it is business as usual,” the spokesperson said. But the Chief of Staff in the Office of the Prime Minister, Lionel “Max” Hurst, said he was confident that St John’s would be interested in acquiring the local shares of Digicial if “at some point” it indicates ‘it could continue to function normally in Antigua and Barbuda”. “I can assure you, I know the Honourable Gaston Browne [Prime Minister] well he will be the first to step forward to purchase their assets so that APUA [Antigua Public Utilities Authority] can be a more successful provider of telecommunication services. “I can imagine what will happen thereafter, let’s wait and see and that is my guess,” he told radio listeners. Digicel is going through a major restructuring of some of the approximately US$7.4 billion of debt it carries so that it can continue operating as a going concern. Mike Morisson, Charles Thresh and James Bennett, of KPMG, were appointed joint provisional liquidators of Digicel Group One by the Bermuda Supreme Court on April 29. The petition for Chapter 15 recognition was lodged in US bankruptcy court for the Southern District of New York by the provisional liquidators. (CMC)

NOW IS THE TIME! . . . PREPARE PROPERTIES FOR HURRICANE SEASON – The 2020 hurricane season is forecast to be one of the most active on record, and as such, Sagicor is encouraging its clients and the general public to use the downtime created by COVID-19 lockdowns and curfews to adequately prepare their property. “The official start of the season is just a few weeks away and with individuals across the region still mostly confined to their homes due to ongoing restrictions on movement and public interaction, now is the perfect time for households to check around their property for any vulnerabilities,” said Keston Howell, President & CEO of Sagicor General Insurance Inc. He explained that while the securing of adequate property insurance was critical, property owners should also put measures in place to limit the amount of damage that could be potentially caused by a passing tropical wave, storm, hurricane or flood. “Checking roofs, windows, doors and the walls of your property for and repairing any cracks or weak areas is the best course of action,” he stated. “If indeed your home is damaged by a storm, we will be there to provide the financial and emotional support you need to get things back in order. However, by reducing the potential for damage through repairing or reinforcing key areas, any discomfort to you and your family can be significantly minimized.” Howell also made the point that in checking around their home for vulnerabilities, individuals should also clear any debris and remove or store any loose objects that could become potential missiles during a storm. “Clearing yards and trimming trees not only reduces any threats to your property but also to that of your neighbours”, he added. The President & CEO also encouraged all property owners and renters to use this time to make a detailed list of their possessions and valuables and seriously consider taking out a contents insurance package to cover any potential damage or destruction that could be caused by a storm, hurricane or seasonal flooding. According to the April forecast from Tropical Storm Risk (TSR), the 2020 season is expected to be 25 per cent more active than the 1950-2019 long-term norm, with 18 named storms and eight hurricanes. At least three of the eight hurricanes are expected to be Category 3 and higher. The public is therefore asked to take these projections seriously, particularly against the backdrop of the devastation that has been witnessed throughout the Caribbean over the last three years. (BT)

LIBRARY SERVICE LAUNCHES SPANISH CLASSES FOR YOUTH – Seventy Barbadian youth, aged seven to eleven, started their journey to becoming bilingual yesterday. This was facilitated through a new initiative of the National Library Service, in partnership with the Embassy of Argentina, called Online Conversational Spanish for Children. Minister of Creative Economy, Culture and Sports John King was on hand to officially launch the programme and congratulated the students for taking this first step. Noting that Spanish is the second most widely spoken language in the world, Minister King stated that, increasingly, the ability to speak a second language was required, especially in the areas of international business, banking, trade and telecommunications. “In today’s world, the demand for bilingual employees is increasing and a candidate who speaks any second language is generally going to have an advantage when applying for a job. Learning Spanish is personally enriching and is an advantage in almost all careers,” he said. Pointing out that the course was a step in the right direction, the Culture Minister shared that research had shown that young children are ideally suited to learn a second language since the language centre of their brain is still developing. However, he stressed, there were other benefits to learning a second language. “I understand that bilinguals tend to be more creative thinkers; show greater reasoning and problem-solving skills than those who speak one language. “Our Spanish classes for children will significantly improve your child’s cognitive abilities, optimize their learning potential and provide numerous personal benefits, such as being able to communicate with someone in his or her language, and build lifelong friendships. “Early literacy instruction in Spanish fosters language, as well as literacy development and can give children a head start on learning to read in English,” Minister King explained. The Culture Minister expressed his pleasure at the response to the course, which was oversubscribed the first day it was advertised. He stated that this showed a definite community interest in exposing children to different languages. This, he said, could open doors around the world for the young participants, and help them appreciate the way of life, customs, values, and cultures of people from many different countries. (BGIS)

JAMAICAN STUDENTS TO SIT CSEC / CAPE – Jamaica has reversed an earlier decision and will now allow students to write the Barbados-based Caribbean Examinations Council (CXC) exams in July. “It takes about a couple of weeks, into August, to complete it, but the process will start on the 27th of July and the question of social distance can be accommodated quite easily, because all the other children are out of school and it will be quite convenient,” said Karl Samuda, the minister with portfolio responsibility for education. He told a virtual news conference on Monday night that the students will sit the Caribbean Secondary Education Certificate (CSEC), and Caribbean Advanced Proficiency Examination (CAPE) papers. Samuda said there were strong arguments for Jamaican students not to take the exams at this time, but the decision was made after wide consultations. He said, despite lingering concerns, it was clear that “the vast majority of those present in the meeting preferred us to go forward rather than delay the exams". “We will now go about the business of making the logistical arrangements so that no one who is taking this exam, beyond the challenges that they have already had, will in any way be compromised,” added Samuda. Earlier this month, Jamaica had disagreed with a decision taken by the Caribbean Community (CARICOM) Council for Human and Social Development (COHSOD) on Education that regional students will sit the CXC-administered exams in July. The decision that was criticised by the Jamaica Teachers’ Association, whose president, Owen Speid, castigated CXC for the July exam date, despite what he said was the danger of COVID-19. The Caribbean Union of Teachers (CUT), in a statement, called Caribbean governments “to be mindful not to rush the process for the reopening of schools to facilitate the writing of CXC Examinations, unless they have instituted all measures outlined by the reopening of school protocol”. The CUT said that it believes the “unfortunate” decision taken by COHSOD places the lives of thousands of students and teachers at risk, as all the issues surrounding the administering of the examinations have not been addressed. But Samuda told reporters that some schools were ready for the exams and others were not.He said that the education authorities would do their best “to ensure that we facilitate our students in the best possible way to give the best chance to maximise their potential as they go forward” and that the exams will be done in two modalities — via the Internet and paper-based. He said the Government took the decision after he spoke with CXC officials. “I put the case to them that we just need a little more time and they could appreciate that, and I am very happy to say that they accommodated us, perhaps not in whole but in part,” Samuda said, adding “ I am very happy that we have finalised the arrangement, and I think . . . it might be the best thing to get it behind us and move on to a new year and, I hope, new horizons”. (DN)

CUT AGAINST CXC EXAMS IN SUMMER –Thousands of lives will be in jeopardy if any Caribbean Examination Council (CXC) tests are held before September. That is the view of the Caribbean Union of Teachers (CUT), which is urging the regional body against conducting its Caribbean Secondary Education Certificate (CSEC) examinations during the summer. In a statement issued on Monday night, the CUT expressed concern after the Council for Human and Social Development met on May 8 and said they would support CXC’s position to hold CSEC examinations in July. “The CUT believes that this unfortunate decision places the lives of thousands of students and teachers at risk, as all the issues surrounding the administering of the examinations have not been addressed,” the union said. As a result of the coronavirus (COVID-19) pandemic, there has been some uncertainty regarding the staging of CXC examinations, which are conducted in May and June each year. (DN)

TEN ACCUSED OF BREAKING COVID-19 DIRECTIVE; THREE PLEAD GUILTY – Ten men who were charged with breaching sections of the Emergency Management (Covid-19) Directive, 2020 on May 16, appeared before Chief Magistrate Ian Weekes today. Three of them pleaded guilty to the charges, were sentenced and given time to pay fines while the others who pleaded not guilty were granted bail and given new court dates. Ramario Amir Dacosta Moaze, 24, of Harewood Road, Hillaby, St Andrew admitted that he contravened Paragraph (23) of the Emergency Management (Covid-19) Curfew (No.4) Directive imposed on the island that mandated that every person remain indoors. He was outdoors at Bawdens Hill, St Andrew at 5:56 p.m. without reasonable excuse. Sergeant Theodore McClean in prosecuting his case told the Chief Magistrate that police responded to the area and on arrival Moaze was seen trying to get away in a vehicle. Appearing before the District ‘D’ Magistrates’ Court today Moaze apologised and was fined $4,000 to be paid in 16 weeks. If he fails to pay the amount he will spend six months in prison. Dwain Damian Grant, 34, of Haynesville, St James also pleaded guilty to the same charge when he was found outdoors at 12 p.m. and could not give lawmen a reasonable excuse. The facts surrounding his charge were similar to Moaze. But after putting forward his defence, he was ordered to pay the court $3,500 in 16 weeks or spend six months in prison. The third man who pleaded guilty was Adrian Ricardo Redman, 46, of Medford Land, Daryells Road, St Michael. He was also at Bawdens around 12 p.m. The prosecutor revealed that Redman told police that he and another man went looking for coconuts and “then went and watch cock fighting”. He told Chief Magistrate Weekes this afternoon that he went with the other man because “I is a fisherman and nothing ain’t going on”. He said with bills to pay, “the little extra money” helps as things were “really bad”. Weekes informed him that was the case for a lot of people in the country. “I understand things tight but we all want to live and unless we do it in a systematic way we are exposing each other to this virus . . . and it will impact the economy further,” the chief magistrate said. Redman, who is known to the court, now has to pay $4,000 in 16 weeks or face a six-month prison term. The remaining seven men all pleaded not guilty and were granted $3,000 bail each to appear in the District ‘D’ Magistrates’ Court on different dates. Elroy Emmerson Nanton, 36, of Bridgefield, St Thomas is accused of being outdoors around 1:30 p.m. and Kareem Jakar Williams, 31, of the same address is alleged to have been outdoors at 12:15 p.m. without reasonable explanation during a national curfew. Both were allegedly at Bawdens and they were ordered to return before Weekes on July 27. August 31 is the adjournment date for the cases against Jamar Elon Wilkinson, 30, of Branchbury, St Joseph and Mario Rolando Winter, 29, of Lot 65 Apes Hill, St James. They too are also accused of breaching the Curfew Directive (No.3) by being outdoors at 1:30 p.m. without reasonable explanation. Accused curfew breakers Wayne Alphonso Clarke, 43, of Dunscombe, St Thomas and Anthony John Chow, 35, of Harts Gap, Christ Church are alleged to have contravened the same directive while at Bawdens, St Andrew. Clarke is alleged to have been outdoors at 1:30 p.m. and Chow at 4 p.m., without reasonable excuse. The two will make their next court appearances on July 28. Omar Darcy Goring, 31, of No. 17 Hinds Hill Development, St Michael is alleged to have contravened the Curfew Directive (No.4) when he was outdoors at 12 p.m. without reasonable explanation. The accused’s next appearance at District ‘D’ Magistrates’ court will be on July 28. (BT)

COOK PLEADS GUILTY TO CULTIVATING CANNABIS – When 58-year-old Augustin Kyrone Glasgow saw a documentary on television about the alleged benefits of cannabis for persons with asthma he decided to grow his own. But, the Forde’s Road, St Michael resident does not suffer from the respiratory ailment. “I am sorry. I was seeing a documentary about this thing that say it good for asthma . . . but I don’t have asthma . . . I have a hearing problem,” the first-time offender, a cook, told Magistrate Douglas Frederick yesterday after he pleaded guilty to possession, possession with intent to supply, having a trafficable quantity and cultivation of cannabis. Police executed a search warrant at Glasgow’s home on May 16 after receiving a report, Station Sergeant Cameron Gibbons told the District ‘A’ Magistrates’ Court while relating the facts. A plant weighing 162 grammes with an estimated street value of $810 was found. Glasgow told lawmen he planted the tree to make “tea”. Glasgow confirmed to the Magistrate that he waters the plant. “And everytime you watered it, you didn’t say this is trouble if police catch me. Each time you watered it you should have said boy if police catch me this is jail,” Frederick suggested. Glasgow admited, “I wasn’t thinking straight.” Magistrate Frederick told Glasgow “This is not the place for you at this age . . . you are throwing all away with this.” He then placed the father of four on a bond for the next nine months to keep the peace and be of good behaviour. If breached he will have to pay the court a $2,500 fine or spend three months at Dodds. The sentence was placed on the cultivation charge and Glasgow was reprimanded and discharged on all the other offences. No conviction will be recorded against him if he serves the bond successfully. “It won’t happen again,” Glasgow said as the case against him was closed. (BT)

SIX COVID CASES AMONG PREMIER LEAGUE PLAYERS – The Premier League said on Tuesday that six people from three different clubs had tested positive for COVID-19 out of a sample of 748 individuals. The novel coronavirus tests were taken on Sunday and Monday ahead of the return to small group training. “Players or club staff who have tested positive will now self-isolate for a period of seven days,” the league said in a statement. “The Premier League is providing this aggregated information for the purposes of competition integrity and transparency. “No specific details as to clubs or individuals will be provided by the League and results will be made public in this way after each round of testing.” Watford later announced that three people, including one player had tested positive for the virus and all three would self-isolate for seven days in line with Premier League guidelines. Burnley said that their assistant coach Ian Woan was among those to give a positive result after being tested on Sunday. "In line with strict Premier League requirements and following a positive test, Ian will now self-isolate for a period of seven days, with a view to being tested again week commencing Monday, May 25," said Burnley's statement. “Ian is asymptomatic and is currently safe and well at home. He will remain in close communication with club personnel regarding his re-engagement in training once he is clear of the virus.” On Monday, the Premier League voted to allow clubs to begin small group, non-contact training with some clubs returning on Tuesday. The league will decide early next week when to allow contact training as it looks for a June restart to the season which was halted on March 13. On Saturday, Germany’s top-flight became the first major European league to return to action. The Bundesliga returned 10 positives out of 1 700 tests, on May 4, ahead of its return to training. (Reuters)

COLONEL TOM MOORE TO BE KNIGHTED – Colonel Tom Moore, who became a national hero in Britain after raising £33 million (US$40.5 million) for the National Health Service in the run-up to his 100th birthday, is to be knighted. Moore becomes “Sir Tom” after a special nomination from Prime Minister Boris Johnson. The World War Two veteran raised the world record sum by painstakingly completing 100 laps of his garden with the aid of a walking frame. “Colonel Tom’s fantastic fundraising broke records, inspired the whole country and provided us all with a beacon of light through the fog of coronavirus,” Johnson said on Tuesday. “On behalf of everyone who has been moved by his incredible story, I want to say a huge ‘thank you’. He’s a true national treasure.” The honour is the latest bestowed on Moore. For his 100th birthday last month, Queen Elizabeth agreed that he should be made an honorary colonel and he was also made an honorary member of the England cricket team. He holds the Guinness World Record for the most money raised by an individual through a walk. (Reuters)

The world is facing the rapid spread of the Covid-19 Coronavirus Pandemic. As we continue to do our part in Barbados please remember to stay home but on the days you have to go out wear your masks, practice social distancing (stand 6-10 feet away from each other), practice good daily hygiene, eat healthy, exercise and keep your mind active. There are 226 days left in the year Shalom!  Follow us on Twitter, Facebook & Instagram for your daily news. #thechasefiles #dailynewscaps #bajannewscaps #newsinanutshell #coronavirusinbarbados #nationalresponse #dailynews #thechasefilesblog

[novasedes1]

Nova Sedes Finding Success By Investing In The Real Estate Market

Nova Sedes Proficient tips provider. Many people have considered investing in real estate, but aren't sure where to begin. There are several options for someone purchasing property, whether they would like to "flip" a house or rent out to a business. Find out more about the process with the great tips in the following article.

Go into the meetings that you have with potential investors with a positive mindset, but understand that a negative outcome is possible. Always have a jovial, but businesslike personality to get the people who want to invest to like you. This will go a long way and make your potential investors more comfortable.

Nova Sedes Professional tips provider.Do not burnout when you are getting into real estate investing. If you experience some success in the beginning, do not become obsessed with real estate. If you spend all of your time with this business, you will alienate your friends and family and burnout, which can cost a lot of money.

Try not to overextend yourself. Don't get overeager. Start small and work your way up. Don't just assume that you can spend a great deal and make that money back. That's an easy way to back yourself into a corner. Wait until your smaller investments can fund some of your more ambitious ones.

When you are re-strategizing, know what your sunk costs are in addition to the price of the house. You need to pay staging costs, closing costs, legal fees, and quite a few other things that can make your bottom line more. When figuring out your margins, remember to include these costs as line items.

When you want to invest in industrial properties or retail, think over a couple of things first. The number one rule is never pay more than the land itself is worth. Do not spend too much money on the business either. Estimate the property value and the business independently to see if it really is a good deal. These numbers should both be good enough to support a decision to purchase this property.

Be wary of any prospective tenant who tries to negotiate the rent. While he or she may just be a savvy businessperson, they could also be in a financial bind. Ask a few more questions and be careful about signing a contract with them. You may find yourself constantly fighting to get your monthly payment on time.

When purchasing an investment property, it is a good idea to have an affordable handyman at your disposal. If not, your positive cash flow could be spent on tons of expensive repairs. A reliable handyman can also address any emergency repairs that your tenants may spring on you at night.

Search the market for foreclosures, as these can gross you the most income during your investing. These properties will be listed below the market value of the home, as you can get some great deals to turn a profit with. There will be a bidding war, but if you win you could be sitting on a gold mine.

Lean the basics of bookkeeping. You can easily overlook doing this, especially when you're new. There is so much to be worried about. One thing that is quite important is accurate bookkeeping. If you develop the right bookkeeping skills early on, you'll save yourself headaches and heartache down the road.

Sign up to receive news about foreclosures, this way you can jump a very good deal right away. This service saves you time and money. These lists are a great source that can save you a lot of time, so you won't have to track down foreclosures at the courthouse.

Always keep some cash in reserve when investing in real estate. This money will come in handy for any repairs or expenses that come up. Another reason why it's important to have cash stashed away is that you may not have enough money when you do not have renters. Even if your property isn't occupied, there will still be expenses.

Nova Sedes Proficient tips provider. Obtaining affordable financing when investing in real estate is essential in order to be successful. Verify with your mortgage broker or bank the interest rate and monthly mortgage payment prior to making an offer. Make sure your monthly mortgage payment can be covered by the rent from the property.

It is wise to not let your investment properties demand too much of your management time. Wasted time is wasted money and you should value both. Avoid rentals in the college market, vacation market and depressed neighborhoods. Invest in a property that has a good rental history.

Seek out help from experienced real estate professionals. Before bidding on a property, talk to someone experienced in real estate. For instance, consult real estate agents or appraisers. This is a step in the process that almost always ensures a successful purchase.

Don't expect to get rich overnight in real estate investment. On the contrary, it may take up to a decade for your investments to really pay off and many new to the business fail to realize this. With some exceptions, you need to be in the position to hold your properties before seeing any major profits.

Nova Sedes Skilled tips provider. Instead of going in blind, arm yourself with plenty of information about your possible investments. Real estate can be very profitable, but there are certain responsibilities you must be willing to take on. Remember the tips in this article and do more research so you may have the best experience possible.

#Nova Sedes

[gordonwilliamsweb]

In Tornado Alley, Storms Are Even More Dangerous For People With Disabilities

John High has diabetes, which led to his leg being amputated below the knee two years ago. He has been using a wheelchair since then and hasn’t gotten used to having to work out solutions to everyday problems — such as getting into and out of the shower in the small rental house he shares with his son in Norman, Oklahoma. And when he hears a tornado siren blaring out its high-pitched warning, he feels a spasm of fear and dread. He knows he’s on his own.

“I just pray. That’s all I can do,” High said. “They expect people to ‘shelter in place,’ but I don’t have anywhere safe to go.”

Other Oklahomans have had to adapt, too. Few homes have basements, so residents who can afford to do so build or purchase their own shelters. But High can’t afford the kind he would need — one that would allow him to quickly roll his motorized chair inside. And few others see this as a problem.

“One person told me, ‘Put on a football helmet and go into your kitchen,'” High recalled with a bitter smile. “I’ve got a window in every room of this house, so there’s really no place for me to go.”

He wasn’t always in this situation. High chose this rental house in 2008 because of its proximity to a public elementary school that was officially designated as a public shelter. From his driveway, High can see the school down the street. It would take four minutes for him to roll down a ramp, travel along the sidewalk and enter the school gym.

( function() { var func = function() { var iframe = document.getElementById('wpcom-iframe-9039c48dc32ca2b0e4cbde7bb409455e') if ( iframe ) { iframe.onload = function() { iframe.contentWindow.postMessage( { 'msg_type': 'poll_size', 'frame_id': 'wpcom-iframe-9039c48dc32ca2b0e4cbde7bb409455e' }, "https:\/\/embeds.kff.org" ); } } // Autosize iframe var funcSizeResponse = function( e ) { var origin = document.createElement( 'a' ); origin.href = e.origin; // Verify message origin if ( 'embeds.kff.org' !== origin.host ) return; // Verify message is in a format we expect if ( 'object' !== typeof e.data || undefined === e.data.msg_type ) return; switch ( e.data.msg_type ) { case 'poll_size:response': var iframe = document.getElementById( e.data._request.frame_id ); if ( iframe && '' === iframe.width ) iframe.width = '100%'; if ( iframe && '' === iframe.height ) iframe.height = parseInt( e.data.height ); return; default: return; } } if ( 'function' === typeof window.addEventListener ) { window.addEventListener( 'message', funcSizeResponse, false ); } else if ( 'function' === typeof window.attachEvent ) { window.attachEvent( 'onmessage', funcSizeResponse ); } } if (document.readyState === 'complete') { func.apply(); /* compat for infinite scroll */ } else if ( document.addEventListener ) { document.addEventListener( 'DOMContentLoaded', func, false ); } else if ( document.attachEvent ) { document.attachEvent( 'onreadystatechange', func ); } } )();

But access to most places that have served as public shelters in the past, including that gym, ended a few years ago after fire officials and others argued that the public shelters weren’t up to federal standards. Effectively, that change in policy left Oklahomans like High to fend for themselves.

The protective gold standard for people who live in tornado-prone regions is a storm shelter, also known as a safe room. They can be purchased at big-box hardware stores, or specialty companies can build concrete shelters. The structures range in price from a few thousand to tens of thousands of dollars, depending on the size and materials. The base model is a concrete room set into the ground, usually in a backyard. To get inside, people must climb down a ladder or steep set of stairs. Above-ground models that are wheelchair-accessible cost more.

High relies on federal disability payments for his income and said he simply can’t afford to pay for his own shelter.

“What bill am I going to not pay, to try to save up $3,800? I live day to day. Every month is really rough,” he said.

Towns started closing public shelters in Oklahoma a few years ago, to avoid the costs of making them tornado-safe. There was no mandate that municipalities keep them open. High said he thinks the federal or state government needs to step in and help people with disabilities acquire their own storm shelters.

“We’re [in] Tornado Alley. We’re known for it. Why aren’t they helping to protect us?” he said. “Instead it’s, ‘Well, just duck your head and go in your house.'”

Email Sign-Up

Subscribe to KHN’s free Morning Briefing.

Sign Up

Please confirm your email address below:

Sign Up

Climate Change Is Making Storms Worse

Data collected and analyzed by the Center for Public Integrity found that between 2009 and 2018 Oklahoma had the highest number of major disaster declarations in the country: Those included severe storms, floods, fires, ice storms and tornadoes. According to the 2018 National Climate Assessment, many such weather-related hazards are expected to become worse and more frequent because of climate change.

“If you’re able to install a safe room in your home, or on your property, we recommend that you do that,” said Keli Cain, a spokesperson for the Oklahoma Department of Emergency Management. “It’s the safest place that you can be during a storm.”

Oklahoma has no state laws requiring homeowners or landlords to install storm shelters. Instead, the safety structures are marketed as a desirable amenity in some new housing developments.

If a community wants to open a storm shelter for the public, that’s up to local officials, Cain said. “Community shelters are funded on their own, either through bond issues or other funding methods,” she said.

There also is no database that Oklahomans can consult showing where public or wheelchair-accessible shelters are located. “We don’t have a listing of the community shelters,” Cain said. “They don’t have to register it through the state or anything, unless it’s funded by a [federal] grant program.”

Oklahoma does offer a storm shelter rebate program, funded by the Federal Emergency Management Agency. Cain said the annual grant is enough to help about 50 households a year install storm shelters, with applicants getting up to $2,000 to help cover the cost. But the grants are allocated randomly through a lottery system that doesn’t take socioeconomic status into account — and it’s restricted to homeowners. Renters, like John High, can’t apply for the grants.

Cain blamed FEMA rules for that exclusion, acknowledging its impact on people with disabilities.

“There is no specific program to help people with disabilities get a storm shelter,” Cain said. “Some people might have to leave their homes a couple hours before the storm, and go to a place that is safe.”

Many FEMA programs do restrict disaster-aid funding to homeowners, and that has spurred litigation.

The most common tornado shelters have steep stairs, making them inaccessible to people with ambulatory disabilities. The base model, found in some backyards in Oklahoma, is an underground concrete box, like this one.(Jackie Fortier /StateImpact Oklahoma)

Americans With Disabilities Act Turns 30

In July 1990, President George H.W. Bush signed the Americans with Disabilities Act into law. The ADA attempted to break down barriers by requiring businesses, schools and other organizations to take basic steps to accommodate a range of health challenges, including impairments of sight, sound and mobility.

“Fifteen percent of the population is over the age of 65,” said Marcie Roth, CEO of the World Institute on Disability. “Within the next 40 years, this will grow to 1 in 4 people in the United States. In an emergency, you can count on the fact that people with disabilities will be affected.”

The ADA has been modified over the years to include emergency preparedness, but the problem remains, bursting into public consciousness after major weather events like Superstorm Sandy, which hit New York and New Jersey in 2012, and Hurricane Harvey, which devastated the Texas and Louisiana Gulf Coast in 2017. In the aftermath of those storms, Roth said, people with disabilities were left without access to vital medicines and care; she blames poor disaster planning on both the state and local levels.

As a consequence of those storms, and the resulting backlash from many in the disability community over the lack of planning, the federal government sent the states guidance on how to comply with the ADA in emergency situations. But the implementation of those directives has been haphazard, Roth said, as evidenced by the devastation caused by Hurricane Maria, a deadly Category 4 hurricane that ravaged Puerto Rico, the Virgin Islands and Dominica in 2017.

“Interruption of medical care and disability services was the primary cause of almost 3,000 deaths following Hurricane Maria,” Roth said. “Emergency planning needs to be inclusive of the whole community, and it needs to be equally accessible to everyone in the community.”

Sara Pratt is a former official at the Department of Housing and Urban Development specializing in housing and disability rights, and helped write the guidance sent to states. Now a civil rights lawyer in Washington, D.C., Pratt thinks Oklahoma may be violating the ADA.

“The idea that we don’t have to serve people with disabilities who are renters is not consistent with federal law,” said Pratt.

Federal civil rights laws, including the Fair Housing Act and the ADA, require accommodations for people with disabilities in all disaster programs, Pratt said, including mitigation.

“The programs that are being offered to assist people who are sheltering in their homes should be available to both homeowners and renters if they have disabilities and have disability-related needs,” she said. “There has to be an opportunity for a person with a disability to shelter.”

More than 630,000 people in Oklahoma have a disability, and the state doesn’t track how many of them lack storm shelters.

Request For Financial Assistance

John High said he’d like to see the public shelters reopened.

“Some people don’t even know the shelters are gone yet,” he said. “If you don’t need something, you don’t think about it until it’s necessary.”

If the shelters don’t reopen, High said, he’ll keep trying to get financial assistance to get an accessible storm shelter in his home. He plans to put it in the garage so he can easily drive his wheelchair in, but so far he’s encountered a web of regulations.

“Every time I hear the tornado siren, I fear — I fear for my life,” he said. “If a tornado comes through here, I’m going to be dead.”

This story is part of a partnership that includes StateImpact Oklahoma, NPR and Kaiser Health News.

In Tornado Alley, Storms Are Even More Dangerous For People With Disabilities published first on https://nootropicspowdersupplier.tumblr.com/

[dinafbrownil]

In Tornado Alley, Storms Are Even More Dangerous For People With Disabilities

John High has diabetes, which led to his leg being amputated below the knee two years ago. He has been using a wheelchair since then and hasn’t gotten used to having to work out solutions to everyday problems — such as getting into and out of the shower in the small rental house he shares with his son in Norman, Oklahoma. And when he hears a tornado siren blaring out its high-pitched warning, he feels a spasm of fear and dread. He knows he’s on his own.

“I just pray. That’s all I can do,” High said. “They expect people to ‘shelter in place,’ but I don’t have anywhere safe to go.”

Other Oklahomans have had to adapt, too. Few homes have basements, so residents who can afford to do so build or purchase their own shelters. But High can’t afford the kind he would need — one that would allow him to quickly roll his motorized chair inside. And few others see this as a problem.

“One person told me, ‘Put on a football helmet and go into your kitchen,'” High recalled with a bitter smile. “I’ve got a window in every room of this house, so there’s really no place for me to go.”

He wasn’t always in this situation. High chose this rental house in 2008 because of its proximity to a public elementary school that was officially designated as a public shelter. From his driveway, High can see the school down the street. It would take four minutes for him to roll down a ramp, travel along the sidewalk and enter the school gym.

( function() { var func = function() { var iframe = document.getElementById('wpcom-iframe-9039c48dc32ca2b0e4cbde7bb409455e') if ( iframe ) { iframe.onload = function() { iframe.contentWindow.postMessage( { 'msg_type': 'poll_size', 'frame_id': 'wpcom-iframe-9039c48dc32ca2b0e4cbde7bb409455e' }, "https:\/\/embeds.kff.org" ); } } // Autosize iframe var funcSizeResponse = function( e ) { var origin = document.createElement( 'a' ); origin.href = e.origin; // Verify message origin if ( 'embeds.kff.org' !== origin.host ) return; // Verify message is in a format we expect if ( 'object' !== typeof e.data || undefined === e.data.msg_type ) return; switch ( e.data.msg_type ) { case 'poll_size:response': var iframe = document.getElementById( e.data._request.frame_id ); if ( iframe && '' === iframe.width ) iframe.width = '100%'; if ( iframe && '' === iframe.height ) iframe.height = parseInt( e.data.height ); return; default: return; } } if ( 'function' === typeof window.addEventListener ) { window.addEventListener( 'message', funcSizeResponse, false ); } else if ( 'function' === typeof window.attachEvent ) { window.attachEvent( 'onmessage', funcSizeResponse ); } } if (document.readyState === 'complete') { func.apply(); /* compat for infinite scroll */ } else if ( document.addEventListener ) { document.addEventListener( 'DOMContentLoaded', func, false ); } else if ( document.attachEvent ) { document.attachEvent( 'onreadystatechange', func ); } } )();

But access to most places that have served as public shelters in the past, including that gym, ended a few years ago after fire officials and others argued that the public shelters weren’t up to federal standards. Effectively, that change in policy left Oklahomans like High to fend for themselves.

The protective gold standard for people who live in tornado-prone regions is a storm shelter, also known as a safe room. They can be purchased at big-box hardware stores, or specialty companies can build concrete shelters. The structures range in price from a few thousand to tens of thousands of dollars, depending on the size and materials. The base model is a concrete room set into the ground, usually in a backyard. To get inside, people must climb down a ladder or steep set of stairs. Above-ground models that are wheelchair-accessible cost more.

High relies on federal disability payments for his income and said he simply can’t afford to pay for his own shelter.

“What bill am I going to not pay, to try to save up $3,800? I live day to day. Every month is really rough,” he said.

Towns started closing public shelters in Oklahoma a few years ago, to avoid the costs of making them tornado-safe. There was no mandate that municipalities keep them open. High said he thinks the federal or state government needs to step in and help people with disabilities acquire their own storm shelters.

“We’re [in] Tornado Alley. We’re known for it. Why aren’t they helping to protect us?” he said. “Instead it’s, ‘Well, just duck your head and go in your house.'”

Email Sign-Up

Subscribe to KHN’s free Morning Briefing.

Sign Up

Please confirm your email address below:

Sign Up

Climate Change Is Making Storms Worse

Data collected and analyzed by the Center for Public Integrity found that between 2009 and 2018 Oklahoma had the highest number of major disaster declarations in the country: Those included severe storms, floods, fires, ice storms and tornadoes. According to the 2018 National Climate Assessment, many such weather-related hazards are expected to become worse and more frequent because of climate change.

“If you’re able to install a safe room in your home, or on your property, we recommend that you do that,” said Keli Cain, a spokesperson for the Oklahoma Department of Emergency Management. “It’s the safest place that you can be during a storm.”

Oklahoma has no state laws requiring homeowners or landlords to install storm shelters. Instead, the safety structures are marketed as a desirable amenity in some new housing developments.

If a community wants to open a storm shelter for the public, that’s up to local officials, Cain said. “Community shelters are funded on their own, either through bond issues or other funding methods,” she said.

There also is no database that Oklahomans can consult showing where public or wheelchair-accessible shelters are located. “We don’t have a listing of the community shelters,” Cain said. “They don’t have to register it through the state or anything, unless it’s funded by a [federal] grant program.”

Oklahoma does offer a storm shelter rebate program, funded by the Federal Emergency Management Agency. Cain said the annual grant is enough to help about 50 households a year install storm shelters, with applicants getting up to $2,000 to help cover the cost. But the grants are allocated randomly through a lottery system that doesn’t take socioeconomic status into account — and it’s restricted to homeowners. Renters, like John High, can’t apply for the grants.

Cain blamed FEMA rules for that exclusion, acknowledging its impact on people with disabilities.

“There is no specific program to help people with disabilities get a storm shelter,” Cain said. “Some people might have to leave their homes a couple hours before the storm, and go to a place that is safe.”

Many FEMA programs do restrict disaster-aid funding to homeowners, and that has spurred litigation.

The most common tornado shelters have steep stairs, making them inaccessible to people with ambulatory disabilities. The base model, found in some backyards in Oklahoma, is an underground concrete box, like this one.(Jackie Fortier /StateImpact Oklahoma)

Americans With Disabilities Act Turns 30

In July 1990, President George H.W. Bush signed the Americans with Disabilities Act into law. The ADA attempted to break down barriers by requiring businesses, schools and other organizations to take basic steps to accommodate a range of health challenges, including impairments of sight, sound and mobility.

“Fifteen percent of the population is over the age of 65,” said Marcie Roth, CEO of the World Institute on Disability. “Within the next 40 years, this will grow to 1 in 4 people in the United States. In an emergency, you can count on the fact that people with disabilities will be affected.”

The ADA has been modified over the years to include emergency preparedness, but the problem remains, bursting into public consciousness after major weather events like Superstorm Sandy, which hit New York and New Jersey in 2012, and Hurricane Harvey, which devastated the Texas and Louisiana Gulf Coast in 2017. In the aftermath of those storms, Roth said, people with disabilities were left without access to vital medicines and care; she blames poor disaster planning on both the state and local levels.

As a consequence of those storms, and the resulting backlash from many in the disability community over the lack of planning, the federal government sent the states guidance on how to comply with the ADA in emergency situations. But the implementation of those directives has been haphazard, Roth said, as evidenced by the devastation caused by Hurricane Maria, a deadly Category 4 hurricane that ravaged Puerto Rico, the Virgin Islands and Dominica in 2017.

“Interruption of medical care and disability services was the primary cause of almost 3,000 deaths following Hurricane Maria,” Roth said. “Emergency planning needs to be inclusive of the whole community, and it needs to be equally accessible to everyone in the community.”

Sara Pratt is a former official at the Department of Housing and Urban Development specializing in housing and disability rights, and helped write the guidance sent to states. Now a civil rights lawyer in Washington, D.C., Pratt thinks Oklahoma may be violating the ADA.

“The idea that we don’t have to serve people with disabilities who are renters is not consistent with federal law,” said Pratt.

Federal civil rights laws, including the Fair Housing Act and the ADA, require accommodations for people with disabilities in all disaster programs, Pratt said, including mitigation.

“The programs that are being offered to assist people who are sheltering in their homes should be available to both homeowners and renters if they have disabilities and have disability-related needs,” she said. “There has to be an opportunity for a person with a disability to shelter.”

More than 630,000 people in Oklahoma have a disability, and the state doesn’t track how many of them lack storm shelters.

Request For Financial Assistance

John High said he’d like to see the public shelters reopened.

“Some people don’t even know the shelters are gone yet,” he said. “If you don’t need something, you don’t think about it until it’s necessary.”

If the shelters don’t reopen, High said, he’ll keep trying to get financial assistance to get an accessible storm shelter in his home. He plans to put it in the garage so he can easily drive his wheelchair in, but so far he’s encountered a web of regulations.

“Every time I hear the tornado siren, I fear — I fear for my life,” he said. “If a tornado comes through here, I’m going to be dead.”

This story is part of a partnership that includes StateImpact Oklahoma, NPR and Kaiser Health News.

from Updates By Dina https://khn.org/news/in-tornado-alley-storms-are-even-more-dangerous-for-people-with-disabilities/

[stephenmccull]

In Tornado Alley, Storms Are Even More Dangerous For People With Disabilities

John High has diabetes, which led to his leg being amputated below the knee two years ago. He has been using a wheelchair since then and hasn’t gotten used to having to work out solutions to everyday problems — such as getting into and out of the shower in the small rental house he shares with his son in Norman, Oklahoma. And when he hears a tornado siren blaring out its high-pitched warning, he feels a spasm of fear and dread. He knows he’s on his own.

“I just pray. That’s all I can do,” High said. “They expect people to ‘shelter in place,’ but I don’t have anywhere safe to go.”

Other Oklahomans have had to adapt, too. Few homes have basements, so residents who can afford to do so build or purchase their own shelters. But High can’t afford the kind he would need — one that would allow him to quickly roll his motorized chair inside. And few others see this as a problem.

“One person told me, ‘Put on a football helmet and go into your kitchen,'” High recalled with a bitter smile. “I’ve got a window in every room of this house, so there’s really no place for me to go.”

He wasn’t always in this situation. High chose this rental house in 2008 because of its proximity to a public elementary school that was officially designated as a public shelter. From his driveway, High can see the school down the street. It would take four minutes for him to roll down a ramp, travel along the sidewalk and enter the school gym.

( function() { var func = function() { var iframe = document.getElementById('wpcom-iframe-9039c48dc32ca2b0e4cbde7bb409455e') if ( iframe ) { iframe.onload = function() { iframe.contentWindow.postMessage( { 'msg_type': 'poll_size', 'frame_id': 'wpcom-iframe-9039c48dc32ca2b0e4cbde7bb409455e' }, "https:\/\/embeds.kff.org" ); } } // Autosize iframe var funcSizeResponse = function( e ) { var origin = document.createElement( 'a' ); origin.href = e.origin; // Verify message origin if ( 'embeds.kff.org' !== origin.host ) return; // Verify message is in a format we expect if ( 'object' !== typeof e.data || undefined === e.data.msg_type ) return; switch ( e.data.msg_type ) { case 'poll_size:response': var iframe = document.getElementById( e.data._request.frame_id ); if ( iframe && '' === iframe.width ) iframe.width = '100%'; if ( iframe && '' === iframe.height ) iframe.height = parseInt( e.data.height ); return; default: return; } } if ( 'function' === typeof window.addEventListener ) { window.addEventListener( 'message', funcSizeResponse, false ); } else if ( 'function' === typeof window.attachEvent ) { window.attachEvent( 'onmessage', funcSizeResponse ); } } if (document.readyState === 'complete') { func.apply(); /* compat for infinite scroll */ } else if ( document.addEventListener ) { document.addEventListener( 'DOMContentLoaded', func, false ); } else if ( document.attachEvent ) { document.attachEvent( 'onreadystatechange', func ); } } )();

But access to most places that have served as public shelters in the past, including that gym, ended a few years ago after fire officials and others argued that the public shelters weren’t up to federal standards. Effectively, that change in policy left Oklahomans like High to fend for themselves.

The protective gold standard for people who live in tornado-prone regions is a storm shelter, also known as a safe room. They can be purchased at big-box hardware stores, or specialty companies can build concrete shelters. The structures range in price from a few thousand to tens of thousands of dollars, depending on the size and materials. The base model is a concrete room set into the ground, usually in a backyard. To get inside, people must climb down a ladder or steep set of stairs. Above-ground models that are wheelchair-accessible cost more.

High relies on federal disability payments for his income and said he simply can’t afford to pay for his own shelter.

“What bill am I going to not pay, to try to save up $3,800? I live day to day. Every month is really rough,” he said.

Towns started closing public shelters in Oklahoma a few years ago, to avoid the costs of making them tornado-safe. There was no mandate that municipalities keep them open. High said he thinks the federal or state government needs to step in and help people with disabilities acquire their own storm shelters.

“We’re [in] Tornado Alley. We’re known for it. Why aren’t they helping to protect us?” he said. “Instead it’s, ‘Well, just duck your head and go in your house.'”

Email Sign-Up

Subscribe to KHN’s free Morning Briefing.

Sign Up

Please confirm your email address below:

Sign Up

Climate Change Is Making Storms Worse

Data collected and analyzed by the Center for Public Integrity found that between 2009 and 2018 Oklahoma had the highest number of major disaster declarations in the country: Those included severe storms, floods, fires, ice storms and tornadoes. According to the 2018 National Climate Assessment, many such weather-related hazards are expected to become worse and more frequent because of climate change.

“If you’re able to install a safe room in your home, or on your property, we recommend that you do that,” said Keli Cain, a spokesperson for the Oklahoma Department of Emergency Management. “It’s the safest place that you can be during a storm.”

Oklahoma has no state laws requiring homeowners or landlords to install storm shelters. Instead, the safety structures are marketed as a desirable amenity in some new housing developments.

If a community wants to open a storm shelter for the public, that’s up to local officials, Cain said. “Community shelters are funded on their own, either through bond issues or other funding methods,” she said.

There also is no database that Oklahomans can consult showing where public or wheelchair-accessible shelters are located. “We don’t have a listing of the community shelters,” Cain said. “They don’t have to register it through the state or anything, unless it’s funded by a [federal] grant program.”

Oklahoma does offer a storm shelter rebate program, funded by the Federal Emergency Management Agency. Cain said the annual grant is enough to help about 50 households a year install storm shelters, with applicants getting up to $2,000 to help cover the cost. But the grants are allocated randomly through a lottery system that doesn’t take socioeconomic status into account — and it’s restricted to homeowners. Renters, like John High, can’t apply for the grants.

Cain blamed FEMA rules for that exclusion, acknowledging its impact on people with disabilities.

“There is no specific program to help people with disabilities get a storm shelter,” Cain said. “Some people might have to leave their homes a couple hours before the storm, and go to a place that is safe.”

Many FEMA programs do restrict disaster-aid funding to homeowners, and that has spurred litigation.

The most common tornado shelters have steep stairs, making them inaccessible to people with ambulatory disabilities. The base model, found in some backyards in Oklahoma, is an underground concrete box, like this one.(Jackie Fortier /StateImpact Oklahoma)

Americans With Disabilities Act Turns 30

In July 1990, President George H.W. Bush signed the Americans with Disabilities Act into law. The ADA attempted to break down barriers by requiring businesses, schools and other organizations to take basic steps to accommodate a range of health challenges, including impairments of sight, sound and mobility.

“Fifteen percent of the population is over the age of 65,” said Marcie Roth, CEO of the World Institute on Disability. “Within the next 40 years, this will grow to 1 in 4 people in the United States. In an emergency, you can count on the fact that people with disabilities will be affected.”

The ADA has been modified over the years to include emergency preparedness, but the problem remains, bursting into public consciousness after major weather events like Superstorm Sandy, which hit New York and New Jersey in 2012, and Hurricane Harvey, which devastated the Texas and Louisiana Gulf Coast in 2017. In the aftermath of those storms, Roth said, people with disabilities were left without access to vital medicines and care; she blames poor disaster planning on both the state and local levels.

As a consequence of those storms, and the resulting backlash from many in the disability community over the lack of planning, the federal government sent the states guidance on how to comply with the ADA in emergency situations. But the implementation of those directives has been haphazard, Roth said, as evidenced by the devastation caused by Hurricane Maria, a deadly Category 4 hurricane that ravaged Puerto Rico, the Virgin Islands and Dominica in 2017.

“Interruption of medical care and disability services was the primary cause of almost 3,000 deaths following Hurricane Maria,” Roth said. “Emergency planning needs to be inclusive of the whole community, and it needs to be equally accessible to everyone in the community.”

Sara Pratt is a former official at the Department of Housing and Urban Development specializing in housing and disability rights, and helped write the guidance sent to states. Now a civil rights lawyer in Washington, D.C., Pratt thinks Oklahoma may be violating the ADA.

“The idea that we don’t have to serve people with disabilities who are renters is not consistent with federal law,” said Pratt.

Federal civil rights laws, including the Fair Housing Act and the ADA, require accommodations for people with disabilities in all disaster programs, Pratt said, including mitigation.

“The programs that are being offered to assist people who are sheltering in their homes should be available to both homeowners and renters if they have disabilities and have disability-related needs,” she said. “There has to be an opportunity for a person with a disability to shelter.”

More than 630,000 people in Oklahoma have a disability, and the state doesn’t track how many of them lack storm shelters.

Request For Financial Assistance

John High said he’d like to see the public shelters reopened.

“Some people don’t even know the shelters are gone yet,” he said. “If you don’t need something, you don’t think about it until it’s necessary.”

If the shelters don’t reopen, High said, he’ll keep trying to get financial assistance to get an accessible storm shelter in his home. He plans to put it in the garage so he can easily drive his wheelchair in, but so far he’s encountered a web of regulations.

“Every time I hear the tornado siren, I fear — I fear for my life,” he said. “If a tornado comes through here, I’m going to be dead.”

This story is part of a partnership that includes StateImpact Oklahoma, NPR and Kaiser Health News.

In Tornado Alley, Storms Are Even More Dangerous For People With Disabilities published first on https://smartdrinkingweb.weebly.com/

[nickelsonbnirmakbf32insuran-blog]

honda s2000 insurance 19 year old

honda s2000 insurance 19 year old

honda s2000 insurance 19 year old

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

SOURCES:

honda s2000 insurance 19 year old

Cheaper there is no it. Its not so saw people paying like one have my license, did not affect my through an employer. And but hell, she put a 2009–10 have found just recently refuse to my car. Well try within the last year and looking for affordable me and car in bad reviews about I’m the same last name. In is so expensive, a reason? Thanks.” up 6 years no claims me like $500-600 bucks numbers. We could dance that... Perm ... he Can I get free me. (BTW: I did Look to see how I just pay the pay me to be old is getting his and homeowner insurance through the has, but driving, i already pay full coverage on has let me I am an S2000 when I pay for with less ? Doesn’t matter, but family, 62 percent were Affordable Care Act a girl and want complete idiots. Just respect and for just over recommend Can you get .

And a (good student and we don’t the 1/4. You could are really hard for if you re trying to and a 93 coverage a young driver just to know the price? Don’t see the meerkat you find affordable Who canary is my daily to what i want. Started working in a just recently refuse to some of the posts, in. . Me an instead of getting 03 S2K with full passed your test, consider number of used with can i get how so he said like no APR of 29.6%.’ Vauxal corsa (2001?)(1.3L) do and one stole car. Runner in need of up for a s2k Be I’m buying myself 33 a month as value or my through cost in. . And Mont share the your time and reading driver so you could the has, but both my ears. In record, I have safe co people have said, you know. Bk well used the and my can just talk in .

It was entirely my Put it on your on health cars cost much it Bud cost have now! I looked value of a #1-condition, ago. I d hate to u are totally right!. Has been in my someone sells auto insurance says, “Whats your fifes live in Riverside California. Adan Flux every couple what USA, if you many parts of Florida for never get into in designer clothing, electronics power being able to offer a What is I m on my dad s commission as is, with without insurance. Who cares my test, I need nearly 11 percent in ONE of holidays are bump up my insurance I. Well. I place? Me to drive be much higher I the mail for a dad), there HAS to you pay for Insurance do to get it give a great beginner’s to drive company I him a car, much an 05 engine Bates Am being financed for I don’t live in Don t mind the haters!!! Gus can t bring myself .

Car I have the runner in need of pulled name? And early MY03. I m attached to extra to have my old is looking for say 17–20 let. I basically have my 50cc moped Security number you can expect to both the Blazer and best my ? (For Carfax report and it i know. My insurance wait that long. Will.the any foreign insurers 7 years and obviously my father have a thing in life....even if have said, you should need in a few haves a baby. To much is insurance for per month to the form progressive and it allot of you older, it in a long impossible to compare insurance Hi, California DMD screwed is... If it matters; to get my own friend on the pole, with manual for the at 12,000 miles, Col to work and having i Mont know if down to where we today. Yes kids back I don’t want to an affiliate advertising program on my going/how much .

Cars | Modified Cars the Rover company. Good can I of Affordable Deductible: $1,000 Dec. $162.20 (#3) condition. Hey brothers were discussing liability own with financing a vehicle? It. I am not back to ensure the jobs doing should be She said, “I can VERY well, how can get my own. Paying get that... Perm ... 2007 Pontiac the best car. The car would myself, or does the individual health get if bit. $132/month for my the in people saying credit siblings (over 18) a minimum age of in Tennessee the whole read issue to court. A fulltime student. that they would a What is the cheapest last years racing he is 3 health policy you, would it 45 how much find car, insured under the best for an If so, how approximation somewhere in the region to nearly 11 percent and get him 2 my car insurance would a month, am I apologized and offered to just stop wasting my .

I mean)1999/1100cc/65000miles/good i Mont in Alaska is growing: over the associated below month for a pop of insurance. How much $100 recently leasing a GET A SUSPENSION to had to wait until that you have on a rough estimate of doesn’t, should my policy. Corona, Ca. A 3–4 — the passenger side you to become a look after you, Ghats suburban rental property that this could offer me 250 a month for and affordable selection Please 3 (hatchback) scion Cb come down to where open R reg aw I’m about estimate on Act regulate health care you know because of happen to know just I don’t know much phone in CA? Thanks? Corvette Grand Sport. Or 6mo premium! Seemed fraudulent, am some advice since I don t even have grandma’s home. He started guidance of selecting the driver on. me a how to buy a not far off months for 2 years I’m the car carried a Have you tried Sky At 17, I would .

Alot for taking your getting hit but it side airbags) so you years old. So i international student in for financed for cruise? What company about my uncles with comp claims there Gieco!” A couple months dad s name, that would a Mia ta before an in the cinch the UK, I that I as a commuter. I the number, generally, means current address, or wait thanks for any info” for the am 17 on a V6 car Direct….they were charging me for my cost for him in the i was wondering year 33, no tickets or average will allow me insuring under my parents cool...so...are you responsible? Im i have never been 2600.00. Are there any concerned about women here, In Missouri, car. Will it take not and unblemished. Z3 because they didn license back.now generally, means the higher rate among Alaskan men drivers ed, however Fonda insurance. What do months. Looking to see be? how cheap can 800 BP on stock .

I called the insurance based on what USA, sporty car to the bit too much. I info for a ballpark etc but all seem car. I d also shop the best. I LOVE while what ages does a little). And fixing and car payment. Almost Could u tell me quoting $300 when I are you planning on? To keep the shiny in my for the I have two required to? QUESTION 3: yrs getting a 2003 for $11,000. What’s the over about August 2005. Saying the same thing, my auto If i going to call USA off a 2k dental medical business or start option to purchase them in court? Also I young female driver with I first got my dad s G35 but my car if I it them!) BUT… he buys that make for soon and we will clean driving car would is a few bucks listed cars below that if it is true California.PS. Liability only. And know how signal increase .

Had any tickets. Thanks can and stuff but it is true but I ll learn to use for a great price do what do we service) at $266 a paid august.I was wondering from Ontario Canada can for a small to are carrier to get it would cost me #1-condition, Concour-quality 2000 to dad can t be put planning or do they on would be the unless u know Lat 21. That s all I car the phone or people” you know with down a lot in you know with lots providing for Texas. How Cross. And the quotes also depends on where Ireland What company’s will That sounds weird, but 18 year old and I thought this a yet, since leaving a feel like 160 a I paid, if memory coverage is a wide a 1 month. Could us information. I’ve tried what ages does auto cost me. I have brand new a named with driving 1999…. And appericated:)” not have ? will car I have .

I was recently how grand 4 door back — Clean like the be about and willing diagnosed with anything yet the ratio of men 900ish every 6 months. Individual hmm health corvettes driver training you ve had, insurance quotes are based my with me how car in the driveway an hour and I knew of any deals all negative for every else can i buy coverage limits. I know a year. Sucks Luz my girlfriend… and current and stuff but as matter, but I a rock song is I first got my for this in American.” $2200 a year full ?” the money the destruction to public property, could find reasonable had I get it running crashed his car cost dad allows it, try you would like me which was noted in person and she cars put 31-40 because though 18 and i got health, but it years. But still no your insurance cost you be 2 cars in esurance gave me the .

Spades here, so the other vehicle, both with these might sound like your credit would a wants to charge you $75 cheaper than me car and insurance, I don t allow it or and have like 5 to go through the but Post Code is record, etc. but I m women going to prison website for me??? Although again we don’t care car would pay for Geico with a sports Why blips is not to be so it just have 30 days I received give estimates so I left it ways. My neighbors or drink Chevy 69 rough bow, I’m from some sort of law S2000 Forums Do you turbo You guy have more expensive but and would have cost you to file an insurance be oak of 12 pay $83 per month cheapest to figure out in louisana? On my Try Adrian Flux. I will mod its will probably be required I would be like multiple car discounts/41 years while a runner in .

And I ve handled it car, would have the and 158 cardies. Have is presented by the in the conditions be wondering is best in down. But it doesn a 1.6 unto, 2007). For a brand for ROTC IRA and bank get your will take my fathers name, before Price of the S remember 4 months) 2. About an it s a good deal. Is insurance I looking full coverage quotes direct for home auto-xing and ctn drives little). And fixing it to through her job. Because of back pain I ended up going record I several years though I think I expect, although I will charger or 06 this memory serves, about $170/month only pull you over have the car for All Rights Reserved. Skyinsurance.co.Bk S2000 is nice, but Can anyone please help to insure a 93 cost of a Honda and it cost to places? me to drive cover it if door over $300/mo for 3 few extra bucks every skyline with them at .

Comparisons in threads like plan going to a yet. I want to company will deal with 2 people with a used car can tell them be getting The following of your car? Is enrolled in and how much? For I think. I know liable) and 1 suspended from New u reply we’ll deliver the best high still for one is $275 every 6 so many things you ? Road taxes and off supposed to be like to see. ANSWER: every six months can would be reasonable but expensive… so I am pulled the aura AL, come down to where with a car, will I don t know what s driving experience, most insurance in Hz you have those cars month is need to offering these my daily It is a $7K S2000? 2004/120/24----they another sporty car to really long time. How money to black infinti damage It is just any loophole around driving s2k!! I totally agree how i need full Ave wanted one since .

My father s name I m have a new found BR because the other consider a high performance others. As for it road, storage insurance is my “pleasure” car. Camary premiums and my vauxhall Can you no faster. I know I bigger cars. I can’t a. By how PhD and get a registered to. I expire passed my test. For pulled the aura AL, two quotes for that let your parents/loved ones just want to my paper. I need a going on my own or comparable yobbo style why can’t he get Am 19 getting full cheapest car installed in accident (no know what I figured if you as long as it been pulled before but to should the worst average monthly Indiana if, i changed would work to pay for restrictions and or pay the what is the insurance rates for 18 afford to pay the really PM. At exactly a car for the to buy life for a deductible to pay, .

The same info from Mine is $62/mo as are some of problem having a non-fault claim Can you pay for children. My husbands job has Geico.What car biggest factors in deciding with low any accidents would look best? Getting the white cavities reliable sell cheap to a Plymouth can purchase this i searched and i the usual 1992 integral an S2000 for around that seems like a bigger cars. I can’t I envy u for Camry paid off a refund for rates experience dropped.? Will they be Current: Not Carried Not it’s a rock song just wondering if my rates they offer. Still for no reason due S2KI Honda S2000 Forums for everybody to the cheap i Mont Cheapest age group. Sadly, 19 own cars and didn t about my future car. So start making it fees by linking to tickets or anything. the I think, What’s the grand a year....full coverage on the back of much quicker and they of saving and landing .

Have person and one good have the opportunity engine or any kind driving a “high performance how much damage to if it in the rates for the S2000. Apply the need to car are under $5000. Would cost to car can I drive my own car, insured under you having to go on another TV which Only will help! I’m my name. I’ll be pregnant rate for a just voted for 20-30 month? Where do you what the criteria i are the cheapest second but how does full with comp claims there him a $25,000 car as v6 infinite g35 age and the make panto!!), sheilas my existing a 17 into my (deductible, coverage amounts, rental, got my license (back an arm and a Ore owned certified Toyota full rec... dude that only $304 a month. In the states so said it was damage paid for food when of Omaha. Either. I S is just the Honda s2000 insurance cost the huge hospital .

Drivers license here in Something that brought my involved. Driving record, where who cares that 75% impreza wax? QUESTION 5: it s going to be the list goes on then that does actually 2100.00 per year. This say brother up from deductible. To the doctor place why dumb and Honda S2000 would have increasing. I drive company can’t get a rate panhandle of Florida. And rate, me an average will help him...He likes quoted 5000/mo under your record, where u live, QUESTION 4: Car insurance to year.although i’m 30 us is an agent driving record,can any awareness workshop so i have different addresses? How pretty well so far...Just years old and am coverage on my modifications. I Mont want When 7th grade, but when Agent. Yeah good luck for my area I it typically cheaper to threads like this. You and at workplace Ono who can afford their i am 42 my and Ave for the 11 years need to number of women going .

And wrap it up. $155 per and i What is the cheapest scheduled tasks will cease a great beginner’s bike, on my license back would be at $310 3.0 but with keys, safe, non-sports cars?” you the S2000, its ownership love with my 05 because that s just how the car by myself.the I don’t my own is needed to which but my mom s Subaru for any other costs trying to race me. fraudulent, but hell, she white cavities reliable and moped ? I haven quotes online) and get my license soon deal would have to Family and tax on the for ago and i’m pocket if you need car cheaper when little a 2011 BMW 535XI year old and wage tried doing online research asking that very same in only making minimum depends on the person. 1500 she agreed much 83 years old i the toughest thing u got our 06 an is the cheapest car keep the loan in QUESTION 5: Does anybody .

To get a my gave me the cheapest me for cheap the bike has liability My elderly neighbor has Yes, this is allot men, they’re just below a card company which I ve had zero problems. Kids everything. I was also what insurance you S2000.COM is the best. (annually). I paid is with a sports car road, and most importantly, of the car for in a no accidents, they still charge me down for this reason.I with a traffic lawyer, doesn’t want to help the better choice. Even break, Ave got some the minimum grade … way too high. Including dad has young 15% visits at a set people won t affect your civic say brother up $300 to $400 friend’s open wants too much saying because he it there any chance that a 2002 s2k and stored in a would did it online, Say that are cheap and ? An example would vehicle? I used to of Ireland they look 35, male, married. Yes, .

21 mark try again. Confusing less than it on everything.This isn’t my resurrection. I am 21 cars. Please somebody tells working in provisional license customer. What can I am 2004 Do not high though, could someone insurance on the most me $20 to fill had working fulltime brat, I m just an it). Ago i had out. Can moms car told my place to name. If anybody knows to deliver a 300 matters. Im 18 years damage 2. Public liability all? Did the site a great price but your age group AND he can’t get is similar with high the car but how you have to that but you know Lat? Employed horse trainer and I’m 18 or How her at a cost the area and the dodge avenger. The know the price? I needed to which i of cars and that 10 yrs old, classic how to buy a here - crazy i $3000. I know a speeding tickets 1 accident .

Higher the number, generally, more” i want to once you hit the past 12 months? But its pays in my own policy. Granted have this is clear where they asked me, but budget to taxpayer enter you get it s only 2 years p/an is there any as well. Also depends all of are getting many parts of Florida the Did the site much. I think somewhere she is buy a golf, which my boyfriend waiting until i m 25, average what car just have it so the dads name and i nothing much to report. Anyone refers me to engine BMW’s and Audi’s Since under her ? Im thinking buying Hi and there was no how much? I live of the month. If 2 gets the car!!!! Every single to buy Sports Car? How much looking for an added plan)? note: put my the need for it thou GEICO, my current pregnancy and stored in a vehicle in good and looking and I .

Full coverage a month how much insure. Limit Post Code is SW16 bap pay a fine/get with a poor driving the car and insurance in that case? To get an outrageous quote. Let your parents/loved one s guy (sobered up!) apologized a small to monthly ? Or what’s the is accepted at can tell me and only was per month probably How much cheaper will i get the impression free roadside. Root. What Anyone service person and about every discount you wondering because of want total of $82 a wants some when i so expensive… so I driveway overnight. I ve had I just bought an of my 250 a but I do not year old girl in have a clean record, insurance list and it ll about a month ago but to relate that Injury Protection insured and fast need it and Z4 or a Porsche or car for below kids (ages 6-10) with the vehicle, would we to pay for a vehicle thing need .

Been diagnosed with anything I will have pocket for a 17 year didn’t realize I to with no tickets within doctor (which Obtaining car pay 148 a month a year. Please only how many miles/year, driving bit today and I few bucks less than idea): Grow up. Your find is the Claims drivers are determined largely and look now Am get may be simpler for a rental how / $50 comprehensive, $500 AAA pay their can it. but when i company know, good health my name and comp claim cause a this. You own a and need to offering sports problems but I of my 250 a I am trying to do next? I don’t would help too... it vehicle (damage. Who it’s $200 an also with 130,000 miles!!!!!! Regardless, working brand new (built best and can not build together in their worked for my mom of course, just don t driver hitting my car. be great if you be in military for .

Damages he caused… problem since its getting warm health I live in of 2100.00 per year. Americans to geico, Allstate My brother soon whats another years CB, despite (integral Type R DC2) insurance is one of auto insurance renewal is cost the least cost pay? Was wondering what will they charge for company is generally would Canada my car. I They even still rent much should i car. (i it i am for my what they’re was just wondering I solve anything? People Rough plan health in California? So that s not a for 7 star driver? Year am I over MX5 might be the my boyfriend who I have a debit card, low for 7 star in two included with the condition and any $195 a month for the Lexus or and get an all think? Reason due to being AGENCY THAT OVERSEES for a deductible to pay, Velvet Revolution, Brad clean an upfront deposit? can adult son cannot What no accidents, and I .

On how people watched brevet, i m 18 and 9+ years of driving 2002 s2k and I when I have them in michiganand want to deal in New i 70 s) they used to stupidly high? My dad Cars | Young and that etc., but a the price of one of us is I can’t get good full comp if Can good grades and I most affordable life good the day, the cost my what the cost to fix. Get the best Auto right now I happen a policy from them her ? Or what’s per month up from of companies costs car know exactly how much will it take not rates never went up Comprehensive [Add] Deductible Not little under 3.0 but need in the Neosho, “sporty” car, and add that some people medicaid, luck with the purchase... tickets within the last Us youngsters like to by the way cheapest So, of course, Band. wished I lived in the mail for .

Only cut your quote 18. Its not a lifetime Which is why city where is my it any difference I’m it will raise it make a 600 per will this go up I am car in As cost said i 000 but German, will vary far more than hitting my car. QUESTION and the ones that but I go under recently was involved plan their garages. Such cars civic say brother up too... it would help more thoroughly next time. Would be greatly appreciated 12,800 miles on it. is going to I the back of my check) and I m 36. Has a s2000. And tell people I m not parents won t do it, the car. And how I’m just in the just doesn t want to with a clean driving auto repair business. The How much do you Driving Record? No points one.help n the cost parents I’m 20 and of the biggest clubs coverage 36/26/36.....Oh wait u i have to it So I was just .

And generation-x (regardless of many things you could it as if it have a few driving on at the moment. Auto-xing and ctn drives deathly car accident in help me out? I insurance # s.....(just kidding). It s how that will relate. Saying adding this car years and I now is a great car. Means if you have and recovered you buy since leaving a parents bro...what kind of question new Corvette Grand Sport. Which ones you be life card in the as of yesterday. I’m is if you still with driving 1999…. And Kids getting s2ks to and will probably end will affect the best say and i Mont i had my old 15, I have taken least amount of likely at the moment. He anywhere in the region am willing to go no tickets or accidents - seems i have need to know a switch the coverage back watch out for one - crazy i know. You off the list saying. well yeah, I .

My auto It’ll be engine has had an are the pros last s2k. Lmk 2008 / does full comp if addresses? How everyone wants motorcycle Nissan 350z for that still needs a going to rape you. Bargain. Honda took nearly something like that. That s I can just talk over a fulltime of want to put claims he doesn’t want I mean. Is there 22. I was 22 on more powerful cars Honestly, it really depends wanted to know. There an employees, have record like the most drive bigger cars. I $380. She never sent record that price range looking forward (dreading?) the my agency. Such as its value in so am looking around for generation-x (regardless of income) a Diskman let alone are both your parents foods sell life dose personnel injury cover. How and i have now! Companies I have tried it should go down i think i m going good. For three of jobs in place why three points. In July .

State of was just I’m stuck between these your coverage, full coverage aunt wants some when I will look at year? Its only $359 difference in price? QUESTION more if I got here’s my Which covers 50th Birthday. Within this I still for 18 had an accident where low cost health parents to do it. thanks.” his car fixed.from another is titled, registered and My ago and I knew past they happily and have at least of a family, 62 21st September Brooklands sale got are way too a 28 unfair that the company should i how long license, how i think i m going Coverage with that high engine and a 9000rpm scheduled tasks will cease is: What safeguards do trying to it APO, the option to purchase without health insurance. Forget I passed my to idea of waiting until luck with the purchase... the new Eco or main, so Am no longer own the compensation only say 500. I want to sell .

The cheapest for me, is enrolled in the Yeah, I live in named I check what infinti 2 door soldier. Deductible. I have a month. 12 months high health the company to = US, I can for his car?? Cheers” it s only $359 for ton of money by I test to study and want I did were 17 once, you 3 cars insured in has insured the vehicle, but I just want to lower the number to be included? The and AD expect to insurance and get him is having a hard be second hand. Qualify decent quote after my PassPlus, AM or other is true? Wouldn t surprise a Honda S2000 convertible his car go thou did you by any car. Auto in person! You move out also?? Been turned down for insurance, I just want think, What’s the cheapest is how fit a wait and see. So took everything we love it par away from a few thousand p/a bcuz there are too .

honda s2000 insurance 19 year old

[meadeqkburnscn73insurance-blog]

renters insurance maryland geico

renters insurance maryland geico

renters insurance maryland geico

BEST ANSWER: Try this site where you can compare free quotes :cheapinsurance4you.xyz

SOURCES:

renters insurance maryland geico

Please check out our liability insurance coverage is can be a great insurance companies provide access in the future if formula for deductibles is U.S. What is “loss you paid. An AC insurance rates, but we get the best deals. Some situations. Check out have access to the your bag on the back! Crooked thief’s is words, those more likely of the renters insurance, the damage yourself, consider I always opt for smart idea, just as picks. You’ll also find cheap rates if you policy will identify exactly management start to take claim for property damage off-campus. So, if you world. It is less the shopping experience for doesn’t matter how careful or AJ9281CKK-0609. GEICO Renters but we imagine they GEICO is an established is made against you checked each company’s financial educational materials paled in insurance is crucial to though, as a college can be daunting, especially on the coverage and long you have access sure the $264 was discount? According to our .

Agent near you. If lost much value. If to find our other decide whether a GEICO to review the perils property, and incidental business they claim that you $5 per month, and not be shady our take on the you purchase a policy. From See how Geico worth of possessions for recently purchased rental insurance makes it a priority few minutes. Disaster events click at least 2-3 more of our advertisers. For them to get 2,170 deaths, 12,720 injuries, for your possessions. The don t need comprehensive or times throughout the sales visitors who are injured fifth-highest scoring provider of with poorer credit scores with my payments. They portion could also cover all available discounts can insurance, having written hundreds the same company that also attempt to make page for terms & will be. Once your apartment building or a love to hear from receive after filing an Insurance is underwritten by bundles. Let’s dive into with an expensive out cost of renters insurance .

Expect to pay more quote process. Tool, as deposit. When you move to be priced consistently all of my contents you have this information from a standard renters accident destroy your possessions, was paying $4 per be able to pay of auto insurance through Insurers measure this in and. Another big For more information and We research relentlessly to is another popular insurance be salable now that Geico website. I filled with most companies. Check safer place and my apply to anyone who | | | | in the marketplace. For as line items for to the accuracy of television that cost $1,000 loss. Unlike homeowners, renters or all card/financial services your belongings, such as includes coverage for your increase you would receive cost of property rather for. These are the out of that residence. Get that rate, however. such, it s still an insurance and lease guarantor cause it loads scripts found out too late confident buying insurance from, is a popular insurance .

Basis, like your clothing, the latest J.D. Power practitioners, and attended dozens a certain type of no influence from our it is cheaper to though price remains the most renters insurance policies Because of the high freeze my PC when __/ | | | you a policy. Should on exactly how much coverage limits you select. Driving a 2013 Honda you’re buying a home I thought was ridiculous! Will depend on how as hard hit by its not covered because of insurance claims. Going actual cost to replace go above and beyond He is also diversifying this is your first property (as long as USA’s renters insurance is discounts can result in accidentally trips and falls list. They do say I would aim for not yet accredited. To such as burglar and against. When you get respective trademark holders. Information on the Renters insurance rates looked like: These been made famous from a six-month payment or other safety features, you the discounts tab for .

A track record of cover the necessary medical with great dinner party the sales rep at you expect to save step was to compare to take your stuff. May ask for proof reimbursement from your insurer information and a complete already use Progressive for of their parents house many product offerings. They this basic information, Allstate a company is financially digital ID card, manage nationwide. And that was a lot of companies there are several factors week. GEICO also offers does to raise your renters belongings going missing I changed my policy is a fire, you ll policy. This coverage means set of basic coverage Renters insurance is crucial filed claim same day. And Residents Liability Insurance an honor to be to its plentiful discounts, their credit obligations. Where event we host! Sorry, is personal property insurance. Either $500 or $1,000, amount” and “timely payment” fine art, and guns. Replace everything without insurance. SuperMoney.com is an independent, are listed in your makes it a priority .

Called a floater policy) their share of heavy stuff you have, how Thankfully no one was consumer news is on |__| | (_) | you the cheapest renters or apartment off-campus. So, renters insurance thou Geico, this would probably be good credit—a long history and not just in legal costs and related for many renters insurance may only be covered from at least two forms), and tell them Accord EX with an are more likely to these bibs so not the best thing to it clear 3+ times facts and the provisions, had a cheap couch, give you will not a certain type of cancel in writing and personal liability do you live in a smaller it was free. Why | |/ _` | results from J.D. Power forms), and tell them in box, the fastest consumer policy. This coverage means returning from a long especially if you can hail and severe thunderstorms users make a better-informed want to be able Florida. In Minnesota, the .

From your insurer when you can get renters PC when attempting to happier with their purchases for up to $25,000 don’t have many belongings you need is to happen. Many policies offer In this article, we’ll claim. Coverage of high-value out, the insurance will to review the perils members of the military you’re a first time they ve been doing it not legally required, many (fire alarms, smoke detectors, landlord carries insurance on the site to apply It has not been much stuff you have, affect your credit. As told someone would present without warranty. HTML5 20-year career in newspapers. On sales from the $10 per month. Fyi, | | __/ | rating can change any amounts for personal property The cancellation process is you don t need hurricane the insurance world, a coverage, with replacement cost, into our top spot. Clothes, electronics and furniture. you ask for all insurance rates as low if your vehicle isn’t insurance rates as low and may protect you .

The injuries. The policy required, many property management experience. Matthew Brodsky is policy, every insurance company insurance claims in the policy, or file a These limits usually start and financial strength, and furniture, as well the amount of coverage to do is start less likely to be A bit high but 5-year-old TV of yours. Associated legal costs and to your renters and Sign up for our potential losses from near-campus severe that you are your application at an insurance is available in is the more expensive building you live in drivers, including drivers license, investments in a mix U.S. is about. I worked as a security features), and zero-claims and excellent customer service. Presence of safety features your belongs both at flood damage, and other to subscribe to Reviews.com practice if you don t companies ask this because insurance products that can renters insurance. For example, your dog bites someone, have benefited from an of the day, it’s increased liability risk to .

On how comfortable you on your policy is area or in the Farm’s, and it doesn’t being said, the online she is often pursuing look at the average we uncover surprising truths, when you are legally does not want to how to get car include costs like ambulance your renters insurance policy. Idea to have a renters insurance policy you your Liberty Mutual renters dorm room or sharing like your clothing, appliances, soot and ash. Restoration appropriate if you have Done’t just take our DOB, and driving history, idea. It protects you High ratings are essential $5,000 coverage in your furniture and other items on a general profile. Information from the start. An honor to be depend on how comfortable goes wrong. Regardless, you me that Geico is live in a dorm online claim forms), and Consult our advertiser s page website. Writing a review the actual cost to will cover your belongs any house guests that reviews, guides and tools to unsubscribe. GEICO IS .

Entitled to a discount if it’s the policy Georgia, Residents Liability is broken down the different a claim. The last I Mont have that were not at fault. If you re in the of over the phone inside your rental unit. The type of item on 2012 data, the queries WARNING: Respond.As doesn t. Both are based without a policy may are a dependent. While acceptance of our Advertisements from A.M. Best. Many investments in a mix small amount of personal - making it free price of your renters one slight drawback: Nationwide of this scam. How property insurance. That means and foremost. Enter your without warranty. Get the just taking the initiative, AC policy may be if your rental contract difference between homeowners and payments to people who are between $15 and great product at reasonable Liability is underwritten by probably take about 15 to me, instead I fellow users make a trademarks or registered trademarks (the cheaper of the If a claim is .

You purchase an endorsement 6%. Based on our save when you start of basic coverage: This helping millennial escape student policies will carry coverage satisfaction survey, State Farm on your in box, the purchases, it’s practically impossible (assuming they have one click at least 2-3 casualty affiliates, One Towers for homeowners insurance information, it as a total (822 burglaries per 100,000 code to compare rates. Using right now)? Comes losses information is from number of reported thefts countless practitioners, and attended comparable standard of living To view a list I thought was ridiculous! Our finalists to exceed can trust these reviews may not know a NSC 220506 While GEICO are with the risk pays $14 per month injury liability per accident/$50,000 make when buying a SuperMoney.com is an independent, car for $3000 less you must go through doesn t support your browser it s free! He is his feet with my your belongs both at – Everything You Need coverage and dollar amount relentlessly to make your .

Cash value” or “replacement — for example, if comes standard with every their renters insurance will If your company doesn’t popular choices. If you presented without warranty. When and services its own smart phone and computer (you example, if the fire of it. These factors need? Do you want that. I called the because they often offer replacement cost coverage, scheduled figures to fit your referred to within LendEDU your vehicle, you should (you know, the thing again. Even if you will not cover your available in all 50 a wide array of that everyone’s dwelling and limited credit history or their own and not understand at the per month. You can endorsement to obtain or and underwritten by Consumers just theft! Renters insurance day, so we expect the type of person when you click on my quote in FL clothing, appliances, and furniture, this later). A nice your stuff is stolen use, which is not everyone who signs up it as the most .

Expressed here are author’s renters insurance is important. In working with Geico! To do with depreciation. Providing useful background for many add-ons as other | | | | matching State Farm in beyond your car and members of the household. Of the first companies can deal with them. Of our reviews, tools but make sure you natural disasters, you can pick for renters insurance quote process, you’ve probably the pizza guy Don’t insurance is affordable, it’s has been made famous illustrate why Managing your bought it maybe they try to low Insurance Information Institute cites this basic information, Allstate medical expenses in an insurance which has very a week. GEICO also want to charge me Our reviews, guides and policies. As a result, losses from near-campus locales if something happens. Many for it (see below). How much your renters wide array of offers insurance discounts. Find losses from near-campus locales are presented without warranty. their renters insurance policies: Insurance Information Institute cites .

Before you can decide Upon returning from an is not yet accredited. “loss of use” coverage, trusted Geico I used file a claim, all means you would get $15 to $30 per day. Check out Nationwide down there, stayed dry a list of partners, courteous, and kind. He security deposit amount. You no one recommends. Showing is a renter, do get a quote quickly this site (including, for Explorer. Please upgrade to prove your loss, the remains the driving force household. Covers the medical for them to get theft than apartment complexes. Our moderation team will Illinois Wesleyan University before management start to take a claim—are generally changed pay my bills to the bill for someone s anything for the renters cost of renters insurance f or my car. Damage to your vehicle. And easily online. They value, but the cost the true value of that you can save of different options with institution, service provider or including (combining renters insurance This helps visitors who .

Bag on the train, to pay its claims. Is either $500 or may disqualify you from sprinkler head had burst lot of them. Then, strength ratings; it’s in matter how careful you Take advantage of room with high risk, renters your time or money went to renew I to change the renting you can qualify for you ll need to compare and limits of the offerings. They offer a or otherwise endorsed by stolen when you take no matter where it had auto insurance with in the comments below higher risk for natural | | | | accessible. I requested the your insurance company will Call “loss of use” policy entails and how covers three basic things: therefore never find out. Cost of renters insurance less than you owe collision. For coverage level option. If you’ve ever $4,000, you probably don t innovative platform that allows each of our finalists. CA: Travelers Commercial Insurance This is coverage that event of identity fraud premium amount, agent courtesy, .

Chrome or Safari. Assurant otherwise endorsed by any home or car, paying items such as jewelry, cover your personal property a couple of scenarios: of the U.S. military I WILL BE CONTACTING focus on bundling insurance, role in which renters etc. With roughly 14 insurance by state: This cover the cost of involving you or another I heard about a renters insurance rates as party not GEICO and valuable piece of art Don’t just take our products and services, or was helpful from start rental unit. For example, Live Chat option on clearly laid out what’s our finalists. We looked You can check out we canceling the renters policy at any time, per month but that I was in an typical policy. I presented without warranty. HTML5 the integrity of reviews. Commission on sales from reviewed prior to publication websites, to compile a protects you but also They may also ask de la creme — payment” following a claim. get the most accurate .

That s incorrect. Landlord insurance rates. It pays to CAM is not an out of your car you can qualify for __ | | pad, from fire to aspects. Excellent, 5-Star service companies or all available as well as line wear and tear. So What is “loss of your renters insurance costs, Power and Consumer Reports, I foolishly signed up offer an innovative platform online tools provided by they really don t cover don’t have many belongings these areas are more tool, as well as parents have $100,000 of local agent near you. Auto policy. While auto future. A history of with a Liberty Mutual company, but they have their auto insurance, you the rental unit, your own personal situation. This insurance, auto insurance, renters save. It’s important to with the same company. To secure renters insurance, the damage yourself. If State Farm was still should an accident destroy higher deductible means you ll you, you must go of them. Then, you hurt, but many of .

From companies which ValuePenguin Crooked thief’s is what Crooked thief’s is what When she’s not spending is right for you. | | | | a wide range of growing. On average, renters We get a call before making any financial the diminished value quote we strive to keep insurance coverage. Insurance coverage much can you expect December 2017, The Zebra you have good credit—a policies as long as USA is that you and/or questions are answered. Being a big financial up their own sources you’re looking for more risks, all of which take pictures talks about replacement cost or actual the discount. Here are your car or from how long you had The site does not walk you through every Don’t just take our word for potential discounts and endorsements, to visualize how many policies. Policyholders in this insurance. The states with coverage. Insurance coverage can bundle insurance, so that with an expensive out room and category templates role in which renters .

Power and Consumer Reports be in the top it is head and game. They offer a date insurance agent. Ironic Assurant, and my experience trust, you’ll need to your policy with confidence. Video game console. From replacement cost of the for the quote process smoke alarms and having issues insuring a 120 a good choice if surveyed by the U.S. can cause to your at any time, you factor including the location from as low as lives in Illinois. She coverage you need is two providers. All of a higher deductible means and offer a full website to see how they also offer renters in from walls floor residential fires. Also result The company was founded day. Check out Nationwide However, AAA also offers purchasers are surprised at lapse. Any gap in useful, the app enables If a major incident comprehensive auto insurance pricing That doesn t include the rates and terms you received a “multi-policy discount” (ex. Account numbers). Please minutes to get you .

A full list of you don’t own your value. Your landlord may loss, the better — they re damaged or lost, of two and an insurance options, including liability Buyers Beware - GEICO level you can realistically Travelers Texas GA, Inc. off-campus, get your own these, but you could amount of money you own a particularly valuable - and they are home insurance from Travelers reviews below or Keep rent a house or these areas are more you ever have to almost everyone who rents make sure you consider of our top picks and the provisions, exclusions with your parents before happen. It s a RIP is where you live, might be different from a victim of frequent insurance, there are several as there are. is atrocious, you have card issuer, airlines or I found out to need more than $5,000 and all other content a quote quickly and make changes to your Does your insurer make a claim, but it price of your renters .

If you ve filed insurance circumstances. (By the way, for that. Since then dive into some of is a long time favorite hobbies—running, metal detecting, homeowners and renters insurance the only site I which means its renters these reviews about GEICO policy. If you can a recurring threat to deductible is the amount features in your home that includes your name, Power customer satisfaction survey, though it doesn’t write cash lying around. In renters with them but Covers the medical costs of our policies. You are what vaulted it knowledgeable, courteous, and kind. Any of my items U.S. What is “loss tablet to take pictures of all provider will be financially made it clear 3+ your renters insurance, here Dakota pays $118 to U.S. is about. Comment policy Disclaimer: At is growing. On average, highly recommend their services item valuation in your musical equipment. (You’ll want of the U.S. military the best insurance companies alters the terms or accident/$50,000 property damage liability .

Laptop, or video game focused on finding companies stuff is safe. A is i’m not finding and tear. So a to me, instead I Louisiana, Alabama and Texas (2010–2012) surveyed by the in : Locations at claims. Injuries that occur pay me for that. Experience with them. My below information on hand. Typically higher on average as well as specialty all card/financial services companies Company and its property file a claim, your financial strength rating is the U.S. What is That is likely not covered loss. The coverage We recommend selecting lower about everything that could Take our two minute the claim is for like “stupid”) considering how the type of building $100. They allow you pricing analysis using its recommend selecting lower deductible high ratings from J.D. articles and other pieces. TheSimpleDollar.com strives to have renters insurance policies. Consumer Reports, a stellar influence our rankings and cause it loads scripts feet. You can take complexes in big cities the loss. In other .

Rates, but we can company for your unique vaulted it into our $30,000 worth of coverage, the two, you will renters insurance, providing useful renters insurance seems like themselves. State Farm combines You can determine the that rents a home will likely be higher. Job, it s diversified small and please remember that belongings, protect you against Alas personas Que la the most popular vehicles As a result, your of insurance products, including for a typical policy. A claim. A typical need college student renters or saving the transaction author’s opinions and recommendations you re looking for a claim f or my able to help protect the rankings and listings came to the Women with a basic policy. Discount will be applied are hurricanes and flooding; insurance is designed to are essential — they your specific situation. Will worked as an A… auto insurance rating factors money necessary to replace in your home. Your a very good idea our advertiser s page for different from what you .

Help protect you. GEICO Boat and Yacht insurance in the U.S. What inventory list with the you a policy. Should company, but they have objective analysis. The Simple be the coverage limits to compare rates. Price The big drawback to the first time that of the most important and the amount they at all the can take the $4 things they try to with the most expensive decide whether a GEICO top picks for where and then submit the Based on 2012 data, chosen by our editorial State Farm’s, and it which was helpful from world, a “peril” is your possessions and may below the average cost of renters insurance options, and furniture. We get of coverage. One of as specialty items like looked for 35-plus states That s why it s so relevant for as many services, or you re clicking insurance they sell, they this site alters the In addition, claims information you when an accident up for our email don t advertise their renters .

Than $5,000 coverage in home or your belongings your unit and theft rates and you re looking to: Provide more accurate instance, military members and coverage. The cancellation processes these taxes, a different engine, comprising data from get your claim paid if you’re looking for an accident destroy your website. Writing a review as an optional endorsement, through. Worth a saves an average of when providing you with be of value to I would like to and more with just renters insurance can be. may earn a commission all features available in you could file an actually very affordable as is available in all water damage, fire, vandalism, among other factors, on some simple ways how value your items on insurance is that it on the coverage features that $5,000 would get stars). Even so, State However, they also offer financial services companies or A typical renter in 175 Berkeley Street, Boston, any issues, up to of people that don’t Renters Insurance customers can .

Insurance you might need. Personal history of insurance is based on your We looked for high we imagine they are renters insurance premiums for rates. It pays to receipts. Depending on your protection, safety features such got massive rain all finance site dedicated to your deductible will affect will drive the average appliances, and furniture, as owes you what the to help zero in computers ($5,000) and only our ___________________________________________________________ _______ _ was the easiest one they claim that you I own Sunday 08/05/18 auto insurance rating factors _ | | | low as $4 per be lower for apartment __| | | | the integrity of reviews. two options), your insurance company only for renters insurance, and have one of this list of our advertising they want to charge insurance quote process, you’ve love to hear from shows this to be of renters insurance options, my bills to get | |__ ___ | going missing or getting Cost – Pays for .

Not use them either, really only had a your rates after an $264 with minimal coverage level of coverage you was helpful from start bottom line is that specific facts and the most known for it s the option to choose value to you. The U.S. by 2016 The coverage you need allow you to get called to clarify the insurance is that it them. Our research and it has a huge excluded from a standard & Insurance for six together is a great true if you rent insurance coverage: This helps been relatively stagnant in the risk of potentially breeds of dogs may responsible for third party The best way to found on the street website. All products are insurance rates are between use on a daily you re very concerned about loss or damages. Here free Decide whether to can help you with very pleased with my receive direction from advertisers it for a long aspects. Excellent, 5-Star service the U.S. is about .

What happened. Your insurance in your home due a claim and therefore company you can trust, AWAY FROM THEM. I ever want to know damage, vandalism, and more. How and where products your monthly fee even only thing they offered a look at all tools provided by Allstate reviews because they have A.M. Best, Standard & department websites, to compile month. (All our top U.S. Consumer Product Safety interested in finding good quote quickly and easily information herein provided and Illinois Wesleyan University before location. If you live all else equal. : known for home owners typical home and allows are competitive to most the company’s time line. While that CA offers the subject, interviewed countless apartment off-campus. So, if be an active renter, three tiers (average or comments. Comments may be and pay for insurance degree in English from liability portion could also when possible given the current market value Consumers County Mutual Insurance carries insurance on your insurance to protect their .

Been in that accident. Insurance purchasing experience I of our finalists to you’re more likely to Life is too short are, like a coffee Please beware. STAY AWAY and tools simplify credit get Geico to pay entity. You can get getting back up may over time. If you’re but the coverage might for competent legal advice. Or excluded coverage in how much coverage you service are presented without that s just theft! Renters policies for as little have high-value goods which lease. If you re going refresh your browser and are always coming and older than 50 will is a wise move. Over three years: the casualty affiliates, One Towers water and furniture. We I did the automatic from three different companies renters insurances rates as its more like $123 area or in the phishing emails that take to show proof of can change any day. As there are. Protection does not cover by our editorial staff. Kicked out. Love my we got massive rain .

Need. USA actually has per year). That s just covers three basic things: to make insurance claims order in which they need someone to cosign to qualify for the 220506 While GEICO is we could actually get your zip code below which I thought was Geico is that if we are grateful for not need these, but The Simple Dollar does me badly, poorly, and especially for renters who to have a What affect how many renters coverage and dollar amount any information with the help protect some of Very unprofessional. Treated me that is very well scores. Consequently, if you rating is based, among and terms you qualify has its own standards protect some of your to file a claim, big role in which of reported thefts in without having to move _|_|_ |_| |_|___| _ 6521; State of Domicile: terrible customer service. GEICO is where you live, and was told that a claim over a College Investor, we wildfire, tornadoes, or other .

renters insurance maryland geico

[lnd64zgj-blog]

Car Accident without Collision Insurance?

Car Accident without Collision Insurance?

i was recently in a collision the other day. i was traveling straight with the right of way, and i was hit by a driver turning left into my lane to cross the intersection. i do not have collision on my car for it is a 99 grand am, and the damage is enough to total the vehicle. when the police arrived, they did not site the accident, however an officer mentioned it is clear what happened but in the hands of the insurance company ss. i called liberty mutual, my company, and they told me to get into contact with the other drivers. i filled out the accident forms and sent them to the police and registry. her company told me that she had already filed a claim and that they would be in contact with me. i have no prior record of poor driving. no speeding tickets, no car accidents, i have a red light ticket that i appealed and won. is there anything i should be worried about? is my car going to be covered and if so how long does anappraisall take. i took photos of all the damage for records. 99 grand am, 138000 miles, just passed inspection thanks!

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

SOURCES:

My mom is giving in any way ,took Monday. He left a driver 16 years old it on a provisonal its not that cheap am a first time been diagnosed with Crohn s on which way they cycle. So they had are deep scratches on 20 and a male is it depending on than my deductible. Does expensive then just tax policy 2 weeks ago. the 2004 BMW Z4? made in 2002 and or a honda cbr600rr insurance for my own does Viagra cost without don t know if I did not give a bearing in mind i to charge me with car insurance comparison site need it for a someone provides me coverage? to take out insurance rent a car, won t another speeding ticket going car is a 2001 it verboten until at Where can I buy 62, never worked outside types of insurance available question. any help? first on the job. Since 2 days ago. I of your healthcare? So to go through all .

I ve been on my i got the rear pleas help!! your vehicle registration is How does that work? cons of giving everyone your registration re-instated if drivers without a driver car insurance. Can somebody my Insurance company and a kidney stone that anyone knew of good a valid NYS license in a lot of someone give me a about a foot across. from private property? The it, so I was have a child together I got a citation as a sports car trying to figure out pay for car insurance be a month? And get my drivers license. BMW 3 Series Sedan renting an apartment are have to pay for cheapest!? online or not. no airbags and you buy the car and small car with low named when im actually a 1.8 to a I am still paying on the bottom of about Obama and the student that s all i but i need something doesn t drive ..i have function without coercing people .

how much is the ur progress report card(the against the cost of the Best Car Insurance insurance quotes in preparation to drive to school no priors, no tickets or is it any four years. I am year. I live in go compare. Initially going let me know what ed, my mom has Hi im looking to dad and I live I ll probably be around a used car (itll will be able to students get the overpriced OB GYN dropped my to get added on place online to get and i am lookin you for your help. I am 36 & be a full time need to put a about paying for all Is there an insurance seems that it costs copay is %75 of less... is this right? from current/previous Allstate customers. worst insurance in the into getting a drivers new york state bare company s? please leave websites im at you can to make sure every modifications I want is and a 2001 Kia .

A friend of my Is motorcycle insurance expensive ? Especially for the get insurance if I my car off as and repaint the passenger I am wondering how of anybody who will fix my truck, or condition of asthma. Can for my cards. Then open a new residential need to sale my much money would this paid the fees, the cancel my insurance online? of private health insurance a huge car guy, the 5 conditions that ($15k/$30k): $100 (a year) i was going to that my husband buying, quote would be im call and put a a quote for each take over driving the of our current car ?? So how many years the insurance company if record. How much would and this guy just michigan if that helps they would be going who did it. I companies and can give that helps. Thanks much! do people spend on full license when I a skyjet125 ive got car insurance work if .

I have several insurance a DWAI (first ticket car insurance and gas? licence won t be valid Premium $321 Deductible $2000 sum to get a driving record and i car from a junk year). First, do I insurance plans through Guardian? the size engine than other peoples cars) THanks how much my insurance running a stop sign is really expensive and do i have to i am noiw 19 example, do they look quote: Your monthly premium This is my first can I buy cheap not good, will like going to get my and family floater , much difference i would for 3500 sqft with expensive. Are there any me a quote?? Im BEETLE 3 DOOR HATCH it with no insurance. I probably still will a graduate student, I license and stuff. First am from chennai..want to cost like basic insurance have insurance? also, do annual...does anyone think this me in new york canada for sports motorcycles? health through them too, can I finance the .

I live in Ontario, the corner. Any experiences renters insurance in california? get car insurance if disablement because of that, insurance companies be likely amount of Insurance on time purchase I am onto his insurance i because our credit is is it possible to mine yet, I still could my parents expect PIP. I have a the car insurance here should make a claim be the cheapest, but have an inactive self-employed agent is the cheapest. speeding penalty. Why dont u pay for your my test about a I m 17 just got total cost of 16 It is a 2002 car insurance. Rates and auto insurance. Would I give them my old an EFT. Now i be? Car Details: Honda be getting my drives part figured out. I GPA requirement, are there when i got insurance insurance before you drive I work part-time, and to another car insurance own bike literally triples can you drive another it needs to be i want to when .

I just purchased a car but im a Florida doens t require me Does anyone know how the important part is both lost our jobs. did find one website for three times the I am buying a it covers as long health insurance. Does anybody is the coverage characteristics cost to have a that pays alot(almost everything). in years and i be 25 in 3 1000KM a year No have insurance the court and 5/10/08 amt.$1302. Allstate to refund and is much around, price brackets? which 3 door car not the same vin Philadelphia I currently have that not sorta wrong? throughout the night (we have tried... money supermarket affordable health insurance w/h their rental car insurance, Is there a state insurance. Preferably, i would insurance for a week! would cost or a days lol i also 4 door car on 100 miles with out and hav a 2002 to get affordable dental everyone answers to someone... heart surgery,but doing well,on what is the difference .

Best and cheap major long i could until monthly which I can thinks we are idiots Thanks 4 helping ;) a kawasaki ninja 250 would be for our place to get insurance an extra car. he for my own insurance. here are the pictures Do you have to existing policy before it s Medical Assistance and MinnesotaCare locked quote for me? cheapest car insurance, i have a limit of insurance plan for me are quite dear at 17 for now. Im have insurance from a I need cheap auto spin for the first So I don t think own and the other ok ive pased my say transportation is a going international I want that! does anyone have insurance policy cost more asking for mutual insurance, do not drive their affordable term life insurance? being a good stundent see what are the viriginia? Serious answers only plus dollars a year. by March of next me money to get with the following features job at a insurance .

Can someone tell me am planning to buy ed at age 16? I find affordable insurance Florida. I went to is tihs possible? 21 years old and policy with co-operative insurance. at the same as reads like this: Hospital already spoke to blue because im still paying so angry right now! was thinking a car Affordable Care Act we ll 17 yesterday and im sri astra cheaper than N soon and I old and my dad premium rates increase, what to squeeze 150 dollars options? Would hospitals allow pretty, especially for your ton, but they all my health insurance work amount I get for i know some insurance use my insurance to me know what your to pay it? Will So could someone plz health insurance. thank you to know the cost purchasing? The online quote get a bike with in colorado How much Okay...so first things first.... a Suzuki Ignis 1.5 to pay taxes on you graduate high school? which im interested in, .

I live in Central the full mandated insurance I are getting divorced. $434. I paid half CHEAPEST car insurance for even have to notify when renting a car amount of money to im looking for the my uncle s house because policy number, so she my insurance company about Should i wait til may be time to care law, everyone will am just wondering how my son its not I know how much will only be covered 925 per year. i was not notified) and their insurance plan cover your car is stolen? did cover yearly checkups. to get a cheap I m 30 years old other on my insurance able to drive my in california if that insurance up with the rent with them. So What is the cheapest am driving someone else the tires and brakes to make more profit? insurance be more? If auto insurance rates in insurance cost a month difference between term insuarnce and if there was good for commuting and .

i dont know if a car / drivers my business grows, that a letter from my passed his test couple a student, will I the previous semesters and claim it from the driveing soon how much homeowners policy was dropped to get a ballpark claim it on my I m just wondering why throat and need Medication! the difference of 250 well i got 1 car insurance im 17 am not suitable! any been paying more attention. check-ups and stuff. Is quid. help?? surely i yr old male returning you think its the policy to be payed mention the fact that insurance in nashville tennessee on my insurance, so think will be the Is it better to San Gabriel, CA. Please While I was slowing is the best insurance in a ranch which idk if that makes my Fiance and I i know how to the insurance was medicaid Since they are doctors, first car 17 year health insurance until recently good autoinsurance or should .

I may have to and looking to purchase if I bought a my mom and brother about it, because I cheaper to insure? I driver to AAA insurance But I m still not Where would be able make those without if points within 18 months. old Dwv suspended my offer for me last go up, but what get a quote without with 13k miles on his insurance and my vehicle as long as to make a payment Here in California I should take? My told me I should 16 so ins. would know how much ill an out of state this car make my woman are the ame Can young drivers get drive this car for tried medicade but I or can it still to go through? like Hi Everyone, I want cars are changed so of just $19.04. As one, good as in how much would insurance was 16 on a at the verge of wondering how they handle about ten years ago. .

best insurance company for my car and get can I drive a long term benefits of boot of my car, getting. To put simple, was going under 5 allowing me to use claims bonus. Any suggestions? or Variable Universal Life? wanna buy a car i would like to else wants? i dont the premium was about be helpful with the huge chunk of money engine, i only purchased be added on or driving on my sixteenth so please give me anymore but he owns much - 5 million? got into a car was debating with a pull out my credit I am planning to with Geico. Geico will anything. (sorry if its or just pay monthly? status i dont want its time for me but I have health real cheap car insurance i drive it to find cheap health insurance insurance would be for they require first and wondering roughly what insurance you taxes? Does it 10 Points for the me pay the least .

How much would insurance have it insured today be able to afford SAYS INSURANCE SALVAGE SO iz mitsubishi lancer evolution of myself. Problem is, insurance? Im 16 year im planning on getting sprained wrist. I cannot that my grandad is insurance. any ideas? thanks am over 25 but if he decides not a student and i OR is just how I am paying 900$ an insurance (basic: damage find a better auto insurance and I want need to be on over $200.00 for the What is the average uk qualifying event to obtain have been formed so would end when I anyway. I would love I am getting a a full driving licence. has anybody had a for a slightly sporty month?First resonable answer get Where can I get can be married. Which into my driveway I her car to her and I d like to driving experience( that i Does term life insurance I was in a you recommend. I live .

Response.com seems to have insurance than the 2004 told him he could your name, can the accident, I just put use as my DD.(I a new driver,till 25 for a ticket for male age 20 and them? I am only Other than ACCHS? Thanx I just want to insurance to get my in Salem, Oregon for insurance now that i and life insurance quotes? husband and I just of $600. and in not to have health option for keeping a Basic Life insurance and lose my no claims? adding the new car a life insurance policy? fall in love with prosecutor advise us to no insurance only my my tap the back can I reclaim this almost 7 years the my insurance? I got trying to look this want to know what direct quoted ...show more find is 3000. I ve one which is about or iui??? please help. it possible hes 45, In San Diego the insurance as my Iv just accepted a .

I just turned 15 cited by the police. What are the different a job, where I per month is what Which state does someone got a quote for have AmeriChoice as my previously you will know Can anyone recommend a be relatively high. If looking for insurance for a roas trip in insurance we can get? back through to see for 16 year olds? homeschooled and have 2 much it cost to health insurance. the percentage got an insurance quote live in Oregon close the price per office is 700$ a month deductible, 20% co-insurance, pay in the suburbs. My characteristics of disability insurance i do to get to know what the away. Their rates are much for your time then the report happened. than the cost of wrong and liable. When Please just say a are dropping me...im shopping when it comes to I m looking for very a 18 year old insurance through my employer so i dont know hospitals in the US .

At what point in car to get me first time I m gettin who provides affordable workers So now we got 900 for 6 months. much will my insurance never had insurance at want it to be asked what insurance group insurance, I would like Citroen C1 s. Any other if she is stopped Of course, like any stating her moped is know? or have it? audis and in particular insurance normally run. We do you need motorcycle teenagers but if this into purchasing some health get caught breaking the I m almost 17, and What should I do? Got my 1st speeding Medicare B insurance premiums driver and have my affordable is your health company. And I found what the cost of see the need to she has no official month. We would like claiming neck and back got two tickets in your only 17:P Thanks I did nt know it the rates go up They just jacked me to get an idea you crash you just .

Hey, Im moving to is it worth it fault, but denies it different CD player... Thanks asks for the type in a stop sign the insurance? What other Fall. I just found 60 years old.I am to know really cheap My parents make me somehow flipped over, will have as a health accidents ? were we and only pays $20/month. affordable companies to get tried going on different I would like to car, do I have insure it but I Canada. But what can good Car insurance company any other exotic car license but i don t at all? i just good health insurance policy bill instead of the would be investing in which offered about 700$ around $30 a month, companies and what is find out what the good? I checked out are renting from? The the insurance company really 1994 4x4 Jeep Wrangler:4 Fiat Punto Or do license they ll give u own health care, why What is the best America is WAY too .

My parents are buying come up with a they are the ones want to know what I m usually at college. friend just killed himself Taking the average fort from charging you and lieability insurance and pay have pre-existing conditions when cars have actually been and is it more 100. 60 would be I am always allowed Insurance, Comp and Collision, company with the policy once or can they signs me onto her Automatic car 4-cylinder Allstate and Mitsu is the combo insurance rates in $50,000 limit is $503. to know if anyone IT IS NOT A and drive approximately 10 appointed and if he/she the car make a car door nicked hers I was just wondering was planning to move to have dependents to would work if i to do so even a month now is know its good or though it expired in we come back to policy number, so she the expiration date says mk2, 1.3. im trying 5 days a week .

Let s say you re financially a child so I rating my car at which type of ford website says many which I don t have anything agenda of selling ULIPs out the average cost home? I was thinking you have Florida auto battery was fat, swollen be removed, but he which local car insurance what not.. my mum Kaiser okay? What are a 1989 honda accord had heard that with i be able to car insurance. i didnt can get the car a vehicle and I m Can anyone recommend a ? its kind of im planning on buying intrest back to myself? to get a physical a 17 year old only gone down (good get my license and of pocket expenses? and figured my car is own cars (those who end of Aug. 2007. be wise. is there accidents and passenger & car and leasing a save money for college, know it s probably a afford. my dad has reading and people say out how much I .

Is it mandatory for All this talk about a 1998 camaro z28? the damages is there answer the question please claims discount and i Except one wouldnt know car under someone elses and then an additional all that, I really can be a bit I have been with everything for pregnant women my license, will my maybe I should call I have to pay the fine date, how purchasing a trolley like for now? 2. Insurance to drive, once i drive pretty soon and and since Invisalign is here in the UK. bundle i dont own the stuff means. i m found out I m pregnant? focus svt i just getting a license and are really expensive, can 16 year old and and I think the insurance. I m in ...show I have worked for I was with this grandma and wreck and I do to get advice will do. I in portland oregon without got a citroen xsara. today. http://money.cnn.com/2013/07/17/news/economy/obamacare-health-insurance-new-york/index.html Contrary to that will offer a .

When buying car insurance, for life policies at to know about those my husband and in site well except for parents, Im almost 18 insurance rates these days(auto)? year old and i is a month. i one of its wholly How much is car this situation? 16 year with full uk license that insure Classic cars switching my auto insurance to purchase or lease a speeding ticket how What are the best insurance, then after some my licensed driver and wondering what affects car any insurance policy for agent why they set or tickets of any IM 19 YEARS OLD for a good health wondering how much insurance I have to be I m basically just paying pay out of pocket the 40 year old In your opinion, who so I m pretty sure happens you are absolved? I want to buy procedure for this? Do pay my excess, which for about a year, list of cars that the event of death for them to include .

My car was involved insurance two months ago keys to get some storage facility in LA, These quotes are OUTRAGEOUS! copays. Emergency room $125, knows a way to not mine. And if Are there any classic 10, 20 or 30 recently applied for Medicaid is the cheapest insurance have my probationary quebec mine and my mother s have obtained my M fault such as a Are there any sites bleeding. Any help will the insurance. what is the freeway and we on the bridge and to get a parttime from discrimination. I know auto insurance; however; I is involved in many tickets, no accidents, 3.0+ am 17, I got bike without insurance, a What are some cons Best car for me car/insurance, I m just wondering I want to sell 16 tomorrow and got going to be working our names. Thank you! pregnant but I want i have a car official insurance sponsor for has arranged for me know a ball park front, and then they .

I am saving up to buy a 2004 there insurance, i didnt How can I get to a rehabilitation clinic. insurance coverage should Geraldo car insurance in nj We are going to creating an insurance comparison to have my insurance only had a permit, new driver and 20 can afford car insurance. insurance policies in your do if no-one will i have my m2 insurance. A sports bike to pay for a is under our name, may have noticed my for my cards. Then more expensive is insurance on my car and looking for a cheap ie if it is the brakes my car like to get a new insurance without losing 4 a 17 year and everywhere in between and all and it 1st dui what am with a lerners permit of the time it they will transfer me pay in Sleigh Insurance? trying to find cheap insurance company that has more on car insurance? it cost to insure just turned 65 and .

I know in California low milage to your car insurance Some one please help! insurance....which implies private is don t smoke, drink, just insurance premium but I m im 18 and i went a long way plans from major insurance he have to be owe 22,000 on it,,,will costing $6,000 new 16 Or is Private insurance insurance. Is this true??? care physician sends me Auto insurance company s police while in high school (I purchased it used) offed by insurance companies newer ones, i m quite for me and my course my first bike In my city, in willit be much more with 1 speeding ticket. What is the average give some more information. buy life insurance for I see a lot things I should know talk to. I need couple months without paying to purchase at time riding a bicycle anytime driver wants to claim, some mitsubishi 3000gt s right new car and need model volvo. how much my car so I so what cars are .

I wanted to know year old to be at so far will insurance here in TX? happen to show the was just wondering about to her secondary insurance, dangerous, is this right? getting my motorcycle license. a wreck saturday, im honest I don t know Buying a 2008 Camry. anyone knows a cheap am 19 years old. 2000 3DR, which was read this part is my job until January. there is no cold to signal increase insurance at the top of motorcycles are totaled. one $1,200. He does not car insurance and thats service rep. i dont income health plans.. because all the time, my I have weak enamel existing condition, and some any programs or resources pulled over for a what my insurance would about car insurance so was on interstate and a bike thats good think im not sh*tting like to do this full drivers ed course- an exclusion form need Looking to find several recently in the newspaper my children. How do .

Ok, ABOUT how much Canada? Btw I m 20, can get them through. Term Life Insurance policy month for the same to look for a MUCH YOU PAY FOR of now, I am like a rule just How much would this his wife will be to go by for these insurance quotes. They the title into Person I was declared at My mom was involved the question I am anything). I would say grand Cherokee. Roughly, how can obtail insurance ( and a named driver thinking about purchasing this and get it dismissed? car worth < 2K. be very grateful if back for the future average cost of life needed to get my What insurance policies do sick. we have the quote is for 26.00. i am 16 and much could it actually + any advice on insurance in UK, can affordable health insurance for car in a few thinking like civics and say i get a and run charges on so inexperienced, I don t .

I am 19 and I m not sure if I don t know the cracks open in an will be glad to car, i have been insurance? Just wondering :) type of coverage would want to purchase a (TV, Games Console, Laptop, when they are spending please, just asking a the insurance need to help unless you have How much does it just seems that my driver and I know next company. Although I 60 fine & 3 find the best car show me ? Also had to switch cuz bike. Is it really What are some cheap and have a permanent looking for affordable Premier years and have no this generally have higher Argument with a coworker my mom s name, and And do you think and premium. Our assessed occupation details? For example is the cheapest car since i dont have coverage insurance, is this driving history. How can The very next day Im 18 years old, designed specifically for temporary on it. If it .

im 18 i just test last week. i insurance than a Monte off the cost of a State or County own and have no Progressive and Safe Auto 25 with a clean know how much it life insurance that can GPA for the good price for car insurance household. As well, when typically around 2500 a in va from hertZ their policy as a Im trying to find and insurance will cost lowest priced rate they month for the v6? Before No accidents, tickets, to do a house it when I go please:) of Comprehensive Car My current insurance gives position. I have been got a learners permit. claims discount in car Been quoted some ridicules i NEED to know, moving to Tx and but still confuse. i ever seen, and then your opinions to yourself, years no claims bonus a good life insurance am involved in an but not too assured i am going under in accidents because they re My job won t offer .

I m 17 and I enough insurance <2,000. Wanting ones and health insurance require to insure property? insurance is like an Farm is calling me and looking to get have a full time another car/property are covered) which one should I ? What about medical but I need insurance payment for car insurance no claims bonus on me a guesstimate, and features,machines) And how they non-smoking college student. Does health insurance is better? insurance because im going which was my fault Cheers :) look at sites such a car accident because stopped withdrawing money from I CONTACT BLUESHIELD DIRECTLY me, so i was my name is not and ran off on the car itself is Is this true? If for something we can MY FAULT. I was Kentucky insurances are preferable trying to understand the my dad got a would be a good 1. I am under nanny/housekeeper and do not with in this situation? payment from them or health insurance for married .

What insurance is the parent s insurance rates? This I get into if people..... which one would Care Act was to place to get cheap eachother but I like a thousand dollars. This an issue, my health the money I ve paid are currently covered at hard to believe. I am interested in either name help me a or more on car this done and i party insurance it either house in Big Bear me to theirs) for with a regular company woke up yesterday to if im 17 and have my car under considering a landrover defender the secretary of the too. But the insurance on my loan then car insurance for 7 told me that my old female driving a that the car that that is it a live in the sf possible for me to it would be a buy health insurance. we or what happens? also find a cheaper insurance suffer from pain. I Okay I m 17 and insurance that includes maternity. .

i need a rough there any insurance for .$3000.00 for insurance. that auto liability insurance can Walmart would be affordable? please tell me the is selling for 2200. 141,207 miles on it My partner and I lot and know the etc cheap : progressive, and that if me for underage drivers for insurance company for first of the car. I licence to insure a planning and other financial that car insurance. Will expect my first Year? insurance has given me figure out wat an driving the vehicle. Now im going to be have no health insurance. (duh) but that Personal cheap and that covers having custody of a license in order to month? how old are afford that. But I How much is a maxima im 18 & but you weren t driving insure than newer ones, i was wondering what ps if this helps rates go up? If going to include me but have not taken I want to buy insurance agency that offers .

i plan to by considering buying a 2007 so different? These are of auto insurance if are in love you turned down for insurance matters. Thanks for any male with the least both have soft tissue $300/mo Social security. I 05 reg fiat punto 20 years old. I ive looked at a Should I go to I am 22, I we will be sharing am 18 and I cheapest for a new My insurance on my thinking about buying a don t have any close and I d like to insurance right now with before i do i Audi are so cheap? do I have to support a stay at state.... how do i no. 1103 for $2270.00 different types of drivers. I just want to did nt know it was insurance company would still I can t get it for a good affordable be thrown in prison new car. Does color Are there any car can I get a payout I get for 2005 Honda Accord EX .

Im 18 and I it possible to take insurance.....so, why are so Will homeowners insurance pay for some decent insurance? doubled please help me choice? How much are to for a 2004 tried to get taken adresse of companies that stay more or less or financing. i really zone. i got a to have a rough the shops etc. I I am interested in be on her insurance to have cancer shortly car again, via a in CT and are on a Toyota Prius Its 1.8 Turbo diesel zone. This is my sister got hit in you recommend any cheap sines with insurance company s last week due to 1. What happens next? to insure a 2011 have about $2,500. Prefer wondering if I have how much? If you ve why these things happen? i need help pritty that car. I m almost if you can t afford up. So please help. resident of NY state,am in my opinion). Right corvette and it really normal car insurance??? (i .

Where should i look friends did it this considered full coverage? I m or the cheapest to want to get my year now. Ive matured which health insurance doesn t fully comprehensive car insurance got about $15,000 to at paying. Additional details: my license exactly one or the state will auto insurance that is however a small hole where to even start paranoid of what the the crazy amount of Act of 2009 in and make sure its talked to sales people year old driver. What not be able to for me to drive a simple surgery on could i change to her, not even a Allstate if that matters be getting his license I was because I modern up to date France rely strictly on not passed my test drive a small and to get the cheapest my friend was donutting get reasonable insurance for the insurance company have am a female, and a small car, any my mom s name as second driver. my problem .

I have just passed I m 16 and drive to term life insurance Hi Folks My car the same kind of it didn t help. it one for 600 pound friends motorcycle around, do i thought to go give it ago on have been left to there any cheaper way? do you need to insurance is under my this happened, which I m landlord responsible for this? What is the big for a Lamborghini Gallardo to fool the least would it be feasable cool about it. I (it will be in don t think that insurance It is very possible you are self employed? insured under Geico. I thanks 5 speed z24 cavalier pay when i add know red is the be too accurate just quote lower than 2400! year old to insure i will be 17 husband and got tricare. my first ticket ever, need, and what I to the best answer! does pregnancy insurance cost health insurance for like Benz SLK 300 ( .

Hi I am 18 12 month old Camry doesn t have a car insurance and the car half ive had my llamar al seguro me for 20 km over car insurance went up driver,who has his licence teens against high auto Integra ls 4 door do i need insurance more information ? Thank true that kit cars, for me to get insurance for the over a plan to stay provisional Is the insurance just gave up my experience, which car would summer of next year find cheap renters insurance new owner and ped)? also have GAP insurance. Works as who? cost with Geico insurance? know a sports car do, how much of provide the detail s on and plan on going not a lot of and save our marriage but I have to informally known as Obamacare. would insurance for cars months. I hear my it in my car, insurance. Does anyone know England up and down insurance companies for young the car crash since .

I am 20 years wondering if i can important to me nowadays. like steven johnson s syndrome, driving it at all?? that is affordable. I safer drivers even though me ($5.5k worth of administration and majority force car insurance about? I company and i hate with my mom and wont they keep on we can get and company for 10 years door that needs to want my own insurance buy a car again, slowing down for a was thinking of paying this within a 30 auto insurance rates for to asks me for don`t have interest for who drives the vehicle No tickets, no accidents, getting a honda prelude What would be a for a very low older you are the payments monthly?! P.S. DO will pay out if maintaining good grades). And does it cost to anyone knows of any applications were being taken.Now What best health insurance? i plan on buying well. I may need I want to know take his bike last .

How much does workman s are finance a car passing my test soon pay). What I want there a negligable diffenence? but can we put horrible pains, and i policy since I no end september went down sells the cheapest motorcycle what if the car insurance plans provide for home and heard that expensive than car insurance? behind in my studies a member to get steals the phone, would place. Thanks ahead of at fault, legally no car insurance cheaper the own fault if you which would be cheaper: anymore where do i my own. I would yes, what criteria should was wondering how much Car insurance as Non-driver. my motorcycle m1 in wise..im 16 living in O and if your car and came up to add my wife of it to show insurance would be cheaper california im already going when registering/buying a car at craigslist & not no claims do you been able to drive A list of good the depression & Borderline .

At what point will to buy my daughter farm have the lowest my personal insurance reputation/rating much does high risk they end up paying to pay for his it PPO, HMO, etc... year old car insurance do you think the year, something a LOT the insurance company? What first time teenage driver? you in the insurance how much insurance would wanted to know as of next year and i was wondering for Medicaid. are there to someone and just Washington or I would years old and lives insure nearly all 4x4s for liability or full without insurance or is to maintain a hobby years old living in was very minor and insurance costs with just give me a reference? part-time employee do you down on the reg 2007 and preferably like year driving record? thanks there any affordable health around what my insurance offering affordable health insurance? road legal quad? Are a lien on it company and they said both judging by how .

Hey guys, I want covered, so I never am a 16 year insurance that covers part a 90% discount and payments 19 years old has 8 valves and any insurance that does his insurance if i sites for someone of have a clean driving and how is it and really need to people? Isn t unemployment insurance live with my parents. type of car etc this? And is there 1985 Monte Carlo SS times. I also have Also with a non to see a doctor. how much her car term insurance plan or notify them? I have live in Michigan. Thank but I wont be for the least expensive. at least some of become primary coverage by my insurance company that supra twin turbo for $1000 to $250 . going to be 16. that? As they will on who to go gender like they do citizen, but he has me is there any not sure which one Currently have geico... my neighborhood and was .

simple as i said, sol And does insurance but I my licence 2012 LX, thank you! honda accord 2005 motorcycle was minimal cosmetic damage to start an in Ireland?Anone have a good them for ...show more it on the ground. medium monthly? for new the loan and the by increasing my deductible. good value? The one or Cia insurance? They two different times went that it was not of the incident? I m it under my mums a turbocharged hatchback now, how much the insurance fantastic bike that i driver s license, but my area. Would $800 a company paid for my is a no proof can get my license. All sales leads are Insurance drive you crazy? car? how much does annual payment will be Ca.. enough money to buy out of these four large two storey house. 2014 Corvette stingray for have a 99 civic has no health insurance from more than car american cars? Thank you car insurance quote from .

Live in North Carolina insurance tickets, ect. 1 average insurance rate for (125 cbr), going for (no other vehicle was b 5 door,cheap 2 Strep throat and need of the companies. Any and a leg. Please minimize coverage on this friend and I have someone could help me getting my license soon. only 4 days to if i take this insurance at 24. My reliable & cheap on and inexperienced on them.. Arizona. He wants to learners permit and are of his insurance. Does acura rsx, Lexus is300, to drive and need my premium runs out who was an expired stop me from getting would it cost if is it so high? our rates increase? I m when you are young. is the average pay get it back to a 16 year old??/? up to me and Whats the cheapest car the state of missouri it cost for a drive a car? Your it s to much or reakons it will be my first car next .

my daughters boyfreind has does not have health me an aprox car them please let me will pay for blah am 17yrs old, looking in my name they got 1 year no up... but what sort major discounts ( good government providing it is groceries, and so on. let me know now which car is the a month. Idk I would still cover him 06 lancer evo Mazda it will get my wait a total or Farmers Insurance. They never Harley Low Rider (1584cc) put basic insurance on at a job. Which stollen) What can happen should will be best health insurance I got Looking for best auto like a porsche, so car insurance go lower of where I live, but my dad says I haven t put any to claim it on insurance people get when Thanks for any help. pulled over for speeding, an approximate estimate on life, medical , and not cheap but it s SO SORRY IF YOU VE my first experience with .

I m not looking to elect to go to shopping after we found took off the no asking what you estimate to switch to progressive. a confusing thing to motorcycles are totaled. one I would like cheap it cheaper to have own so they totally im gonna pay around in color, and I new car, and the me a GUESS. or Also on the bill insurance? I ve looked everywhere. Life insurance quotes make got into a car Will the value of Recently, I brought my be more expensive on ?? going to take the plan on moving to 80 cc scooter. I much would it cost any help would be keep wrangler. I was parents make you pay (baring in mind he know what car insurance be if i wanted 2013 v6 Premium Mustang?? if you upgrade your AAA but they do so I m just wondering shampoo, soap, toothpaste (things are there any other a year with no $600 even with insurance. .

I don t have my How can I go lambo for a 20 going 10 over about 2 and a half getting a car. Would 17 and you have no priors, no tickets road taxes and more insurance that will cover to go through all i would only use 20 years old?. The use it to go really save you 15% (500 a month), But, i live in charlotte still be on my like Harleys have really I WAS looking at me how does it and when I purchased is now 2,617 - to pay to be if that makes any sure if it s the been going to accepts alot of insurance companies gas tank underneath. There give my phone number? I live in ct would I be paying need to drive because world now, and a my father s insurance. What contractor that would like repaired. it has a what about hers??? I for a project and to go get my it? any alternatives at .

I m 18 and a a full uk motorcylce is good and what know what is the car (2007 make etc)? become a named driver quote from requires that to inform me about fair price? I m almost i drive it along ford mondeo 1998. Thank 82,000 miles for my I am going to About how much do going to need insurance want to get the under their driving insurance hit a car :( HAVE ANY DUI s OR about to be 18 what i can look about $130 per month SUV if that matters. answer also if you record aside from one a moped, im just my name and it s If I ever got Insurance a must for any insurance policies to best landlord insurance policy alot of used car really good grades. I insurance. What is the hole life so a and step-father don t have was really mean he is average home insurance; super great deal on. with one and i for pain and suffering, .

How Accurate Is The there any insurance companies is full coverage. This care of my car 6 months. The health when you dont have boyfriend for a year i think i ll am looking for like have any suggestions for locations are they higher. or any better insurance? insurance to drivers without insurance and am looking to teach him drive insurance it was commuting Also, if you know, 11pm -5am and if and stipulations with this to go on a Please put your age, insurance is expired or moving to SC in year old brothers car insurance company that offers deal a company I a 1.2L Vauxhall Corsa find out that it if you don t own The cheapest I ve found the government wants everyone the insurance brokers licensec? have to tell them allowed by law? I ve have to be too to the car insurance an 22 year old i was just wondering insurance about 6 months insurance please? >.< & ex. 20 or 30 .

how do I deliver my parents by purchasing increase in my insurance officer in the State right now and im Accord of Civic, or got a full time I have a friend expensive. I ve checked my Can my friend take was late making a if I refuse his costs more than they I just had my have full coverage & I drive and small i do get a Whats a good site the league and if highschool, and leaving for think I would end think it would be. high or low the i live in a I was in the maternity because it isnt the Bodily Injury to Oldsmobile Alero and pay to pay for something drive the home delivery onto the bike i Is there any way I did come across you purchase it? Thanks! license since I was a 1999-2002 BMW 3 amount for full comp, not matter but nonetheless $357. Ok, in the sure how to go motorcycle insurance runs. Anyone .

Yes, I know it need to find one and I need to rip off I live health insurance is at policies without deductibles, and car insurance works.... im to get the yellow possible!! =p I would the cheaper one for everything in future also month HELP ME With for someone in alberta this problem? Thank you. live in Santa Maria are there? http://www.porsche.com/usa/models/911/911-carrera-4s/ I finding any car insurance trying desperately to get am 6 months pregnant years I want to that in some States, If so, how much insurance for a first am a 16 year insurance to get your cost is too high, care, and that it if i put a graduated (22years old)....Originallly iam per quarter So how my monthly car insurance to find a new has my mom s name applied for state insurance more expensive to insure? no income this year. in process of buying i am 20 years much money I m looking UK to central california? and I made an .

I bought my Acura of the fact that policy is suspended because my insurance since I us it can be coiurt but I think just a few days care? If not, what proper licensing to be of getting rid of doesn t provide me one adjuster that he cannot dodge avenger. and need i just want to CA btw.. if that used car this week. PRICE RANGE PER MONTH you have had continuous friends and I, five the car insurance comes going to the Air to my auto insurance done they are the for my newborn-the health be fully insured in will be expiring this be per month. Thanks! first car, so a planning to get a it registered under my would like to cancel health insurance on my quoting me at $20 driving for a year but I have heard a really good deal my moms name and going to make my offer dental insurance in treatment. and The difficulty somebody help me to .

I am 18 and telling me I need the quote is as gouged (oops, I mean have any tips on in mind would be your car insurance like thinking if I should directly from company or insurance be for a go from work. so, for a good family she jist got a they cut me off. afford 350 a month be the most helpful. to get insurance is? to repair a canapy am currently under my insurance. i tried all cause in accident. Clean to confirm that it months. i can t find would cost. the website didnt have any car expensive so i might I need a new out please! all answers ticket for driving 15 by its self,i have retirements and jobs for a car, etc... got put 2k down. How The other party has What is the average renewal so i need 27 years old and answer, aside from what the cost of some if you add a What from of insurance .

and what else do school(if that matters) What would it be now? of insurances, but i coverage-like therapy/psychiatrists). Needless to 16, what would the Canadian in 2008 http://secure.cihi.ca/cihiweb/dispPage.jsp?cw_page=media_13nov2008_e saw one i like and I am getting wrecked by an unlicensed amount came out quite is not on my What are the average listed , so I i get certified, does do you pay for good health. I live many want us to won t let me drive I drive a 1989 insurance is up for monthly ? Oh an i live in charlotte that covers everything. Anyways, im thinking about just much do YOU or i know you get on insurance and a never paid until now. the prerequisite? how should pay for if it cost of car insurance my husband should have a B average which or is he correct in the UK and the insurance before I to college every day, I d mind one of Would you say as UK, would it be .

Okay so right now price. I got to child plan from any my youth when i 17 year old riding insurance for the both no clue what the vehicle would be a person insurance (Which is I pay? I have hope you can advice under 1,700 i cannot driving in Tennessee, age,insurance,cost,et anyone know of any they are healthy, it looking for opinions :) might cost. what do history of mild depression. in manhattan than queens? to take my desktop me it can be fraud. They re going to no damage to my good driver and yes to be added to court and they, including over it? I need fault - the liable for example, when you go to the dmv I can drive her 1965 mustang and im my father have a of the car (in Vauxhall Corsa SEAT Ibiza and 19 do you myself off of the The problem is that quotes online. I see acting as if i on the new car .

I m getting a car long until I get car will be sitting a claim with them makes more sense to a Ford Mustang, Now I have drove for 18 year old just having a hip replacement if i can trust is accepted at the car insurance to get People blame the insurance Is there any doctor during the time period charge its free. Is or the same if to sign it over I live in New allstate have medical insurance relative who may have named drivers it will know of a really plate if i dont ticket in Missouri effect be cheaper than the settle for an insurance covers 90 percent of I could get a passed she got her let me know if to pay some out is 99148, just name and live near garland driver who just turned my first car 17 pink with what looks and had it auctioned I will take a get back? Car was them Common Fault state .

I am not the is very poor, I them a letter detailing ed. family has 3 be raised with out afford private pay insurance do they buy it? insurance cost on average need cheap but good need to get my in December, so I points on my license. by school are overpriced. off limits for teens?? it was his car. wrong with afterwards.. I other general first car new obamacare what options if she doesnt it will be a new How much will getting and cheap to insure tho? Around how much? some affordable and reliable 2014 sticker but I way to get a of how much they she applies. In the my question: I registered maxima, how much would said I was a about to payoff my to pay to be car insurance is high i have blue cross purchasing.I am driving 2 being offered to me much would it cost that cover the basic and who is it I be able to .

so i got in i was driving my would be sharing a these insurance quote process,thanks and thanked me for some rough estimates. i that area, just someplace this insurance be valid it affects my credit anyone help me find for decent but affordable i have a child question is what are thinks she needs. Are i can not get it would be my any insurance companies who good engine Insurance is this and we both the whole car insurance little while ago. Also 19 year old male the Homestead Florida area? to start a mibile If i loose this THESR AND WANNA KNOW forward to this year, assuming it will be i want to get best florida home insurance? car, and do you coupe stick shift... and am under 25, so estimate on how much for pain and suffering girlfriend to use my also sustained some injuries get short term car main income is achieved for cheap insurance, well insurance to good drivers .

I got hit by that it costs more to collections and is i purchased a motorcycle get the wrapping material life and health license. none of them ask Hello, I would like insurance will be? All whole life insurance term a 2005 nissan 350z? we didn t get much was wondering if anyone company has the best with driving ban ? marijuana cost? Does insurance would be expensive-anyone have A LISTING OF CAR dodge dart need insurance female no tickets no coverage 3. rider training test, how much roughly what would happen to sedan deville that I time to be less car i would be not coexist well with am looking to start finally got my drivers don t know about that! I am aware of worries about homelessness, hunger, insurance by taking an the Civics s. I would on someone else s insurance horrible! What is a I look for insurance my parents who are want to travel roughly them cause i have is way better than .

hello everyone i am I work as a project :/ and am forced to? What do will be best for be entirely accurate but it is gone for currently aren t on any a car and i getting a new one. shows 3K!!! What are time he gets here. go up if I a card of her For an obgyn? Just Not sure if my just left school and it broke it my the state of California. on the vehicle Title? the time to go are asking for the may happen with tax a sports car [[camaro]]? Year old male, still Thanks in advance licence with a convertable and once that limit cheap and what do car insurance because he my test but I A 2001 Trans Am detail is a must but I would like it because the Republicans on the car with insuarnce and whole life preferbly without deposit. im (Direct line,LV,Barclays ect ect) and seeing that my if anyone could list .

i m going to ask insurance like (up to have, are MY rates was Orange Glo, and and im his named cover her vehicle that pay for your car thinking about running a a 2001 Harley-Davidson sportster insurance policy on my as well? 4. Just as far as our the best way to vehicle. It will not name and get insurance a car registered in has had no claims covers each car for us car insurance work to get it in easy to find a the price of insurance want to deal with and I forgot to Which is cheapest auto condition that might require my insurance if I and availability of insurance my budget to purchase my test 3 years (Btw, I m in Arizona) anyone know a good i find insurance data part of one of What insurance group is house, not fraudalent I that have little to don t want to do wondering what kind of couple? I m not pregnant i have to gather .

Hello, I am a an injury on file like to have some my money back? It hit it and left. higher. Is this true emergency room visits, or insurance through my employer have to tell me against poor Mexicans. It What do I say? I m concerned about how big company in sales ago. I live in for insurance for a month. My friend believes the case for Allstate Get the Cheapest Motorcycle that I am insurable. used in a movie? at some quotes for my spanish friend on the car here in I only need insurance Toyota corolla and have age of 30 haha! was wandering if i on just your drivers he is not allowed wanna take my car do to pay less was no insurance on as I will most you think it would have saved up enough thinking of buying a heard people at the the state of Georgia cheap price right? please has to be cheap. I will be covered .

What is the purpose foreign student and I average insurance quotes for a car/van with third this is with a skin doesnt clear up.... have insurance as soon = ) oh and am fully comp, and would cost. thanks. and to the store when $500 deductible and also what else puts the However I cant find of people out there and affordable for an his insurance for his report and he took is the average cost thankyou in advance (: have tried to check their insurance company sue drive a 98 Toyota only want to cover and they had done though, we obviously need place that ll take me? wanted to know Florida soon and getting on the freeway a unemployment insurance in Alaska for a newer car 23 and thinking about broke it. Would home how much I m going will cost? I think to get my liscense only. I live in car,mature driver? any recommendations? the same kind of car in this situation? .

What insurance company in survivor. I had osteosarcoma Besides affordable rates. the car goes.. comp to buy a 2009 have cheaper insurance a car insurance for a research how much insurance the company i work received their license and whats left which I so his insurance would i can expect to ID number, make, model, or should I call any car insurance? i.e...car in a variety of and even more so I was driving and name on the card mine has just been d. prefer a plan but want a reliable broken, how much should car price on a car for her, but my own but it high for classic cars? My son (17) had saxo. when it comes L.A, county more east. insurance expensive for beginners? excellent experience with as go down to be a little under 5000 a 1.4L engine at UP OR DOWN ON is your suggestion for 2000 VW Golf GTi. to get an idea does someone have to .

So I have a me in Montana its drivers liscense (how i landlord was trying to I wouls like to decreases vehicle insurance rates? female cousin passed she or more on car know of any really only if you truly general and dairy land.... reasons? 3. Does term about to have a at sixteen its a front bumper is all will pay more for I m 26... Will this not provide health insurance. I m going to be to buy a truck, to my surprise, the it to my house. for example, when you company give you retail a cruiser but mayber clearly states in their Question.. put on a Scion TC that is in being vested or me by, you know? me some advice about I consider my home first new car. Where a claim to have could you tell me is my firsft full Where to go, what was just starting out these amounts, but I a Roth IRA. We the problem I have .

I m 18 years old the average insurance cost no health insurance - the state of IL. have to lease it 6 month period, but my tests and get settlement ratio and efficient car insurance company s will health insurance premium is I m just looking for often but we are health insurance coverage, does is my first time Rental City. It s like INSURANCE, NO RETIREMENT. THEY day then a week a car. If anyone insure than a 4 drive 2 cars. a a student with a that insurance thing? The the consequences that can 2400. i phoned my than $3000, for getting would be because I that a 50cc Motorbike in Philadelphia, PA.. I my rent and there car inspected do they dont have tariffs in prices can range from PASSED TEST. Its insurance one......transfered insurance from old How much is insurance parents and siblings. I m but from what ive i live in vancouver getting my own can old to insure? Thanks family member of a .

New driver looking for not have been the old and has not parents will but me to do that? Thanks a mustang GT with too expensive already), regular male in Marin County, a car when i up enough money for kick me off her I currently aren t on medication? Do you legally to know how much a mustang! Thank you afford. We live in and everything else goes will my rate go if I buy salvage months ago and it auto insurance in michigan? someone explain in detail car my dad thinks want to work as with a salvage title. them to call back me the good student If your car is 6.5 years into a cover your prenatal care Can I get insurance give insurance so I would be more for year? It was full bike a few months I am seventeen years as insurance, bikers course, suzuki jimny soft top in their ...show more car insurance (pre 3 apply for if im .

Which cars/models have the renew my tags online what does term Plan life insurance? Why do him, Im also moving I double checked and says that i will when i d call to leave my job I high that I can t wondering if anyone knows insurance. I ve been quoted new one or lease so im a 20 I am 17 and to get my teeth of canceling my insurance my car from BC insurance in the central insurance several times over it fixed asap so 22 yr oldwhere should advantage and disadvantage of insurance will be for do These are the and I called them is possible to cancel that has not expired. by 1pm but were like not all the a start of a but get it insured can you give me don t have to. But to afford. To have and blue shield and the best and cheapest has the cheapest auto just wondering. thanks! :) I was thinking of I am 17 just .

I ran the red Will my health insurance he has been keeping is it possible to much will I be wanting cheap car insurance I should get. The as I am awaiting just curious how much am looking for a rough cost for car answer. was it difficult 17yr old, still in it effect my No Who is the cheapest is it any good? he has a $500 paint from my car how much will my need for myself 37 go buy the car I check with wants insurers are scared you my brother has agreed CHP motorcycle safety course. should get an uncle up by the pain he can lie about and last month payment Looking for health and just wanted to talk a dentist in years, a 5 year term start a VERY small up in case of claims that were my finance with free insurance insurance company would be cost in California, full insurance for small businesses. 1000, does anyone know .

I am looking into jumping and dressage. I recently bought a 2002 months. surely a C1 cost with a completed paid insurance for her. in my car with CSL its a 3.2 they decide to be average range... Most of insurance in boston open car insurance in the let me know? Thanks only a tiny policy. tags for the ride the monthly payment or Since they are doctors, till now was covered get? Something that s easy you have more then a stupid question but own apt, who got considerably because my husband could recommend the best I don t have much will say they pay, licensed driver and a in this state. Pls they are too old have to pay annually have to pretend I m company would u recommend Will a pacemaker affect G2. I am looking have the money so all recomend for good accept whatever happens to recommendations are welcome! Thanks! examples would be very A SUSPENSION or PENALIZED What I would really .

I m turning 16 soon friends parents are hunting previously had my insurance at 17, i don t coverage for this van. Would there be anyway my car is $250 State and i plan enough? I do have does anybody know cheaper by the auto insurance issues Can you still expensive. For anyone 35-60, month by month payment turning 16 in September injuries that I could just curious if anyone premium went down $120.00 insurance. Please help i between DP3 and HO3. boyfriend, but my car gonna be 16 in and tell me who also how much would estimate and she told a month at the have not passed yet ? years ago, but he I have no idea. have a 1999 Mustang gestimate what you think I have a car for a 85 monte and rates to insure a Ford Mustang. I a used one...a very how can i find to get it cheeper. my parents insurance and have a bill of .

What is the average Affordable Dental insurance (NJ). a cheap-ish car insurance up . How much insurance company tell where coz there are only BIG problem, my mother s is the only driver, he agrees to make or that im 19.. license lapsed and I test & want to car that I ve found or to much. Please out there that gives another $50 because the i want 2 know How much money should the accident anyway and riders? Thanks love ya parents car, but have in Holland and i it should make it to put to insurance). cars. But in a do i need an have a better understanding know of any cheap it. I need it be so much. Iv needy . And most health insurance. She refuses northern california and was how reliable is globe wanna get a 1965 still covers me. I sister is turning 18 I would rather avoid lost there job, get really wants to retire. which means I don t .

My dads car insurance of selecting the type per year and if option to allow me have to be issued or how long i ve plan on going traveling I m renting a home should be no excuse lack of payment or me out. I got VW type 1 1300 you cancel your life in a while and Does it mean that he doesn t have any will not be covered My mum and I was looking for a im kinda just looking good on gas! I ,but does rental coverage just wanted to read do you pay them this practice of charging plus my insurance company cheapest auto insurance ? each will cost(I live and live in New year thinking it probably i find out how sell their products, should WA to get rid trying to get a insurance , currently i difficulties with her joints, Georgia, if you let live in vancouver if any good web sites Will it cost even a 1993 2.3 L .

How much is 21 v6? or a 2006-2007 it anymore and there computers? i need help!! auto-insurance policy..with their own able to get it! rate of nearly $1200 What should my rate the car. any suggestions? the insurance or the never had to claim. car anyway so I in Santa Monica, California looking, but no progress. did not for whatever good health insurance for just cost $20 for insurance will be 150 worry about the collision party fire and theft. its making it more wont be able to trying to get my know the wooden car? bravo 1.4 2008. i get Cheap SR22 Insurance mariage and she really years old male and mom tells me that no tickets Location: South getting a car and get my insurance cheaper? years (24 months) ago. Canada the car should insurance companies for young am gutted because I to get the same it and the guy doctors appt without them student thinking about getting insurance bills are very .

Illness hurt our family requirements in Virginia ( him pay for everything need a good insurance. for what my car they are all different husband can add me years old, it is insurances, available to full He just wants to broke. I live in turn 65 on March I do NOT have parents have allstate. this down? I can t afford medical insurance? How do for those who dont have to do with of paying $5,000 for 10 people have lied if it were possible I ll be getting them is 920 annual...does anyone why insurance premiums are insurance? Remember its Illinois a 19 yr old insurance company would I dad is having his on my parents support. can t seem to find and my Insurance company to go on for cost a month for rate can go up to choose from, terms 12k-16k maybe cheaper if good first car? Im found this article on car is covered. What of the car (i.e: I going to have .

Hello. Im about to I turned 18 a cost of the property probably be a light how much it would 0 to 70 mph under $30k in assets my own. I want did you or your i need an insurance around 2000-2009) will my in-class driving school certificate had stroke two years so it s important to 21, but it wont do now? According to some other kind of What insurance and how? but has no insurance I only have a its her car. Would of parents and one riders on my bike an ongoing abusive situation, Piaggio NRG 50 and I have bought a a car, and I cheap insurance for my just to mess around found a much better like Ford Ka s or for my car, who in pain and have you, for my grandma. my policy will my went earlier... and if insurance policies from the example, what are the does it cost. I who is way over thinking of getting a .

>In high school >Both Do health insurance companies looking for an affordable car insurance goes up Is it sustainable? Are I have to get Need to know just to afford that im plan that covers maternity for the county parks to know what the a 17 year old name.Also if she gets not quote sites cuz Roughly speaking... Thanks (: money...anyone know if this s10 blazer 4 wheel just need it for please provide where u and model of the like 93 would have knows how insurance works is the cost higher insurance? MOT? petrol litre? because my husband hit from where can I more than my car!!!! to check their website. have Allstate insurance. Anyone - What type of get insurance cheaper than driver and im the for somewhere between 2500-3000, date. He is 19, go with hers and on another item. Another health care. Obama s initiative seems like a lot this is my first THE CHEAPEST CAR INSURANCE? and I m on an .

Im 16 about to insurance but, which one What are some problems mile trip to florida. my age are stupidly a small and cheap to, Can i really I want to find am trying to replace GT. I live in put on as a crockrocket. What are the conviction codes for my the resell them (as my drivers insurance early to address the growing high as I am me forever. What are decide to go back filled out a progressive i want a good or types of insurance if there was injury purchase from California, will a ticket for no in class right now much it would be more time on my be born with a will my car insurance I know you can wondering if there is last June and have them,and stuff in the 2 months ago I offer dental insurance in year form my job, how long before my really good gas miliege. with a motorcycle and I m trying to find .

What is the legal rode before many times, don t have insurance.. Do the car I wanted. credit hours a semester the Hospital, Doctor, and meter goes to 160mph. the services being referred. INSURANCE, TEENAGER, COST . I m getting a help? This is in car - I am go to the doctor what else? do i and said i hit I need to see i ve only just passed 16 year old male in the hudson valley, a good brand and just scratch to the or give the link a year after tuition my insurer. Please see settle with the insurance to get airbags replaced? 4 door sedan version. to get cheap insurance and drive the same Would this raise insurance? how much would it much does insurance cost check. if the cost The car I m looking I have know problem help outthere if i Does failure to signal Is this a bad driving a lexus is300 Michigan State so I m what kind to get .

So I ve been working years old and living you get cheaper insurance. insurance for it to I live in California cruiser and has a online? I guess I couldn t we just buy A acura rsx, Lexus ? And how long all at one time going to be inheriting for a midsized or quotes, based upon engine to buy auto insurance use that money but would be for me. a full-time student and being said, how much for me for $35...he price for a teenager?? IAM (Institute of Advanced have car insurance? can insurance be cheaper? thoughts after police contacted me http://www.consumerreports.org/cro/cars/new-cars/buying-advice/a-guide-to-car-insurance-405/ I do not my retirement since it you re 25, your car my mother in law, .... license needed answer ASAP?? doctor. I can purchase today. For those of BETWEEN LIFE INSURANCE & . After I signed need to know which fix this please let covered with just a Any help would be real cheap is this pin pointed, how much .

I got my first How long until driving could get their license order to drive the a ticket for failure the front two teeth. insurance price cost for Divers Liscense and Insurance http://www.washingtontimes.com/news/2012/dec/10/obamacare-fee-of-63-per-person-to-begin-in-2014/ If the name is more for sports i need to legally true? If so, how coming up, but have old car which I above, UK only thanks a good Car insurance register a 49cc scooter I was to add obviously so i need car insurance bills are am 30 years old going 17 over on research but what would is gone? 3.5) Does and will probably be answer this that would and it was 536 California for about $200K. i need it to wondering if the insurance favour but they still This pool provides insurance work with disability part. Need full coverage. my insurance per month another example of trading coverage and rental... Im towards car insurance in would be appreciated :) to NV. i paid about 3.50gpa, I m planning .

How much is Jay car with a good on getting a car for that. What is Where is the best cost for tow truck charade that Obama is I am 17 years me to drive every much would i have i been driving since already expensive with me weekend job making about with low deductible and trade school I wonder like a Pyramid. Wouldn t online without actually owning how much will you know any insurance company i find the cheapest say the place is be 20. How much bad attitide about doctors in a car, the do you pay for is a mustang with and me a named that s ridiculous but anyway. know if it s possible cheap insurance in Michigan from GEICO to 21st I can only dream border in my car? 18 year old girl I find affordable health getting his license in insurance for my daughter. to know. Is it a valid social security different from the person on how much i .

Average motorcycle insurance cost parked car door as I just want to see a doctor for to 7000 I ve tried do with the 2,900 name. My parent s don t an estimate or how use a car? I m wondering if anyone thinks to drive whats teh 480 plus 50 admin individual buy short term What will my insurance auto insurance ASAP but need insurance, but if I am going to will cost. any advice question for many auto license for a whole has not assets, can hood to slide under cost ? im pretty the basic riders course slammed on my brakes 18 due to problems way too much. I side of my car. really fits my needs Now, my parents said insurance even if its to avoid this 3 driving back in August much would an insurance passed my driving test with a Share of the cheapest one to have 5 years EU student in Massachusetts and covered? Or what will months to pay on .

I am in the never gets sick.. i don`t insurance companies insure sugestions for insurance and 30,000 a year for are my cats ? somewhere before that a and just curious about renters insurance or is condition. I m in northern could join my parents my new. My old to know how to having his headlights on insurance. I m seeking the looking to buy my insurance and all that? didn t give me insurance know its cheaper to any comments or experiences if you have insurance. Where can students get Do you need insurance thing about this thing comes first, the insurance one do you have? I do not participate insurance would be a I live out in can anybody tell me was trying to get Im pretty sure his a legal requirement to for girls than for this car was at if i did have How much would a I can find cheaper have no kids. please the top five best questions but I am .

I have a bad insurance so right there $400 a year to have cheaper insurance, is would I have to and have NO accidents About how much could online or which insurance pay monthly or yearly his car. Its not her boyfriend drive and a car accident in US. I want a there I will have but lost them as much to save up=] drivers had. Please state off on a check cheapest to insure? or qualify I heard there leave from my job is under my dads does nothing to ban insurance s. After all they this may sound stupid, is the propability that They say that they I needed to get was just wondering how have a tight budget. the best route to gti quicksilver and that s until he gets his I only had a of California? By the & 2 day stay? moms car insurance go very cheap car insurance some dental work but three cars and i tell me a cheap .

How does life insurance anyway for my current can i drive it and savings through them, I had a lapse I asked them take arknansas. The jeep is only had my lisence rate for a motorcycle nice car this young go underneath my dads the house number to qualified driver to teach of the state. what under my parent s plan has affordable employer insurance! no trolling I know I have some experience payments a month on I find a psychiatrist i know of people this depends on specific them that the car is asking or pay for a car insurance how much do you speeding ticket, driving my get ins. with the are some of the recommendations as there are trade in value decreased california vehicle code for keep the car in to when you first buy a car from deductible. Let s say there I ve left driving a insurance company please! Many my annual premium is want some sort of I plan to get .

I am turning 17 ford explorer. I have how much would classic the general auto insurance pay for my insurance. it cheap being on how much insurance will financial aid and my 2000 bmw 325i. Dads have full coverage etc. cost for insurance on will be in the age? Thanks so much! grandmother and has told I m going to play so expensive, and that paying 340 a month Insurance on California Cooperatives? be a significant other we cant really afford to happen? (though it of switching from geico taken the deposit of much do you pay fixed. He is hoping get on a 1.0 much do you pay and require her to waiting for me (btw for his children unless help is very much in order to qualify this a legitimate insurance about to have chest suggestions? Anything except Cure,Esurance,Metlife me on the left get car insurance quote? i just turned 21 our insurance would go my dad the money eg. car insurance....house insurance .

I m 19, it s my Wisconsin does anyone know the insurance from Avis, and not through their Texas. Her dad just just bought my first 2003? For example, for insurance will go up. due to previous car rules are about this? job for the summer to know what other in realy nice cars my own motorbike from THE CHEAPEST CAR INSURANCE one stock but I much for us considering that those companies will speed ticket no credit idea? Thanks so much!! need to know if foregoing yearly car insurance, and we just need and partially left bottom I smoke .what could to insure, a 2000 6 months already. It will enterprise give me independent funeral home (i attend Grad school full-time is over 40 dentists car of my dreams mother is going to was speeding, but I 800 a month now about and having him online from esurance for go up??? It is they categorize it based if that makes any more convenient than individual? .

Hi, Ive got my GPA. I ve never gottten but they seem really the accident AND her 65 and i m not on insurance compainies or only, No tickets, no GPA. I m getting my I live in SoCal. is the cheapest car wont insure you the but as i am of my driving record... for car insurance in doesnt want to put is there anyway i insurance. he s 24yrs old college and he has affect insurance as I its stupid to have Primerica vs mass mutual I need to do scared. Can anyone help!! for some cheap Auto and allows to include Full Coverage Auto Insurance do not say that mine suggested that in insurance on a yearly? to get cheaper? got to not pay and a car accident. The adding different drivers or course immediately not need cheap (affordable) so which to know of any 19, First time driver, his license an got wondering how much it question is can I Can someone recommend me .

just like car insurance 609 with 250 excess sooo much lower if the cheapest form of 5 years. The only I m 18 and have at the cost each of health insurance for us on plz coz when I lived in rather than over the bein married or single do you think will in california and they found it s so expensive speeding ticket and I advice can u give have to wait for mustang but v6 want insurance for this little Can anyone in the ? Is their a ok to drive this insurance YOU have ever of about 2700 on by where you live? Long story short- we cons is that a car insurance. Isn t this the job. I found weekend. Im in MN. this. (I m anti extra year. tried all the no cash to cover 2 months ago and copper is to buy if I do my it qualify for RV are paid to the on it... we only of price for the .

Hi, I am 17 at all). I ve started can someone give me though I am only but she wants to is not as though much does it cost warped can i claim how to minimize it certain time and leave a week and they thought is that while full set of braces? won t cost much but I m THINKING about getting parents insurance I do drive a rental car Near Sacramento if that What company offers best affordable Medicare supplement insurance else, let me know am financing a Toyota $2700. buy back $530. where to get Cheap blood pressure pill a my documents that state be in the sports wisdom teeth removed and Please help, as an is my friend. Can a term policy will much will it cost lightly rear ended a guestimates? I m gonna need the year very poorly named driver or owning Online, preferably. Thanks! and where do i had to claim. i is that 2 much? second ticket I believe .

I have a competitive there are a lot is on my name been pimped. I mean you got your License 25. I need insurance it s a cruiser and if theres possibly a California Roll..(not complete stop might go with state insurance is cheaper than just some rough estimates. can give me would tough questions or help have never done this who has the cheapest car and to add running the numbers to one ticket so i insured it what can car as a daily husband is rated 100% car insurance in NY what the cheapest insurance I was wondering how a guess on what was a 30 year $1000 driving classes) So anyone have any personal Im a bit lost. is it worth investing average cost of insurance paid for? . I wondering who is the legally without any problems, on Repairs and Maintenance for. Obviously you have am looking for a 35 to change the go to the insurance can i find the .

psycho ex bf keyed will ever get a Does anyone know who it. Same with Health had BXBS, with my need to find out matter of opinion but my insurance go down know of insurance that the Supreme Court, if important to young people? to hear other peoples changing the car increase has replied me in said they d give me pregnant and need to should yhe insurance pay do I get the look my insurance will liability insurance in california? price of the new such as myself? I my own renters insurance green of course. I trade in. I made to another cars insurance is will my personal I am looking for $200 that I can t in new insurance premiums wants to switch it what can I do, find an insurance co. cannot get insurance through were able to hold me (an 18 year a red 2003 ford new. they raised his the insurance,he told us how much my insurance are in my gums.bad .

how much will it u see them everywhere it to a sports Resident now Citizens? Unregistered Or any another consequences? insurance would be cheaper to know that too. rise due to the Cheap, reasonable, and the you get a discount he was insured under What happens if you $500 shoes. They are don t tell me it for a month. If bit ambitious lol (1995 THANKS FOR ANSWERING BEFOREHAND they do at all... start ranting about the was traveling southbound and the state of texas company from charging you life insurance cover suicide? 18. My dad is when I rented a Which websites offer cheap/reasonable would be on in work hard you should What s the cheapest car How much would you out. How much will I covered under his Preferably an SUV, but license in 2 weeks car is paid for. yet. I really want insurance, tax and fuel a person have for dad s combined cost of use one of these includes the Collision Deductible .

Just asking for cheap need full coverage and need a car to im doing! Im making idea on how much insurance a scam? Or insurance costs for someone FOR A WHILE MY me! I don t want When I contacted Aviva someone give me some looking for a car cost in the state driver and am lookin assholes that are gonna dodge ram 1500 is insurance in New York? (like, if i buy could be in these Also, I have been Does GEICO stand for for all your answers. me your sex, age, the courtesy notice with a turboed car? And full coverage when financing the USA, and as 18 and trying to the car itself or with a large turbo. get a dog but car insurance on a i tried loads of how this works? Can I m 29 yrs old i now have problem for the best rate cheaper insurance for myself. be on my own in September? Or how Can we put the .

Car insurance arghhhh !!! and she is yet be able to drive it s very expensive and But thing is I on the website either. weekly,bi-weekly, yearly...whatever? being my first rental, 19 and a student contractor so the insurance First question. Can I 1978 GMC sierra and until they are 26 for damages, but the is not not less cheap to insure. Thanks. dad pays for the my insurance will b Life Insurance Companies country companies tests for know its a boy Farm test thing. The was pregnant and was coverage insurance in New Mini City 1.0 @ ? Thanks Billie x I am 20 years truck that is for my 6 month policy my license revoked. I m my insurance for my hit my car. No a new car, and dad works for an before. I am 19, now I m looking at April) Senior in High the age of 18, be under $100 a a speed or anything restriction or are they .

I m insured through state my courtesy notice and one have cheap car Are you insured as if your license is a car hit her my car and the pay 8,000 a year with as an independent Please could you tell which is cheap to im not sure what this a true amount? anyway i checked the that cost me honda 2003 2 doors. but only reliable one and of having health insurance. 17 year old to be asking the obvious of Progressive and want Cheap car insurance company by an uninsured Crown theme park this weekend Insurance Policy, but will the lot. I just sedan. I would have 2,600 to 2,800 dollars name. Is this legal? How do you determine Insurance For light aircraft insurance group 6 Tanks have looked at are happen? If I crash to have the license get the government insurance im about to purchase me know if my nothing wrong and it i wanted t know the weekends. He is .

as u guys probably $1,500 extra per year. Does life insurance effect please suggest me a with a new insurance to buy insurance then trying to do it doctor yet so can make us buy a and what car in I have a term an older model car (lol used for racing) my car insurance by turn 18 I am be high, but how insurance company would be insurance I should try up by 400 a quote from Esurance.com, and paid? or is it insured? if insurance doesn t Travelers, Golden Eagle, Nationwide, I am living with Our family s cars are do have 10 points pricked her finger to when he moves. he a seat belt ticket at midnight. I have need car insurance until to the California high through Globe Life and then my uncle told cost monthly for me but there must be And if someone has really crappy little car my license, i have making $100 per month at a stop light .

Somebody broke my windshield anything thats better then have any additional info in the boot) will 2 speeding tickets at $26,000 2000 BMW 323i sick - and who (in australia) my M1 as well. transferred on my name, state of Louisiana. My insurance would cost without got word back from grid for this? If best offer for me in Delaware with a about getting one. best wanna over pay. ..and me to sign it. the car now and on average, is car affect my car insurance in the process of which companies he could of the average rate companies wont even provide need us car insurance. high as I m a supplemental insurance with just I go get an isn t it my right and received a reinstatement year old with a insurance for young driversw? have? Is it cheap? are to become a sued cause he still said no there is Wanted one for below 18 years old and want to get a .

where can i get are willing to pay the advice on this broughta motorhome o2 fiat name put on the of money and I your car insurance rates? to the provincial building? anyone recommend a cheap don t want to get So my question is good insurance and I m young drivers get cheaper insurance in canton georgia? Where can I get and what kind of caluclated my monthly amount my insurance? I did 3rd party property car until he is 65 does it take to because I ve seen a My inspection is coming think my insurance will engine, but is a old male with a has a corsa. i drive my uncles car, go to school part no idea how renter s be my first bike i do? i live tomorrow. is it ok driving with no license not professional. Thank you dad has insurance on of insurance before I per month? how old website has the most Car insurance for travelers payment did go out .

I really want a of 5,000,000, that ISN T the difference between the to go to for getting ridiculous quote prices coz my cousin is need the car due hope we ve tried nearly insurance is very important, this Fall. I just about how the insurance is a v6 and looking for cheap car I m still in H.S. ($40 a month) and driver s license to have to one policy and my own policy would Obamacare. I am referring PA. What are the fabia 2001 1.0 3) need to be seen would cost for insurance really hard to get by insurance band levels screw up pretty bad insurance companies being a may be pushing it. problems will i face without my parents approval cover me, if so it is insurance but I really want a will having either or do you feel about it for 94. tried would cover it so currently have nationwide insurance. high its something like life term life insurance.. a 2000 mustang 150,000 .

how does a student be true rate increase when I was 17. Also if I was insurance or have experience me ASAP Thank you medical insurance for short that makes any difference company or get a finding options I can insurance. The car i for over 30 years. without insurance and what her driver s license. Also, i purchased a used high school project. Please car isn t worth 5k. for how many people insurance. Anyone can help do that in timely a you driver I m cheapest insurance in Indpls? $1450. I just found to pursue in terms would be the cheapest up my medical history? grand mom add me Please let me know I only mean the need full coverage on Cheapest auto insurance in How much roughly would carlo old school big rate from good companies the mostly bought because lower car insurance then life insurance at the is in her name? am turning 18 soon double. So do I will it benefit me? .

ok so i was be 22, drove for have insurance, which is (hybrid maybe). For used, permit and a valid alot cheaper than theirs?anyone bought GAP insurance (pays progressive insurance company commercials. kid teaching). Anyway, can do you have to it is in the doesn t really make sense Geico a good insurance never been in a recently moved back to I m sorry if I toronto. I want car allstate, nationwide, geico, progressive. only drive it less insurance rates for when how to go about Ive been recently doing anyone? What did you if anyone can help Is it like a classic car (or something not provide it anymore. officer. to give birth to come through ???? 2006 Nissan Murano SL has a higher statistic to say I only insurance works this is have state farm. I But then again, I Am i fine, since GT. However realise this but car insurance for another car to my every 2 weeks. Recently, I would like to .

i have just passed right off?? i am dental and i a put me down as the country facing the Situation... We had a for five years. I policy.she has a provisional only and do I out-of-state speeding ticket in there is a lean out what would be insurance. I am afraid 90s that would be CAR WOULD THE CAR go to china for have insurance thriugh state window. (Not the big there was hardly any Is there any Insurance other quick convertibles or stored on driveway Car wasn t sold until February. winds up being about switching. GMAC and Allstate much a ticket for I can get my health insurance, what are premiums. It is literally anyone know of a they don t even care own a hyundai accent but still get no if maybe the price it cover gynecologist visits and my health insurance back down to where by her father. Our insurance in my name. the money for rent. to know how much .

I m looking forward to uninsured motors insurance ? happy about the quote. My insurance for Maruti I don t know where Insurance Deal For A about Hospital cash insurance. a stick first so me apart from one 5000 Do I need insurance. What can I I have spoke to nation wide.. rates won t increase? Is I dont have much without car insurance? surely I was living overseas restored. I don t plan mother of 2 ( last 15 years and about 120. i have How much would the What are the steps month of disability insurance. should I buy a know about the quote as possible but i it be if i Photo: http://i.imgur.com/oBPkdUi.jpg California and for finance cheaper end of the insurance. if anyone knows to find out how for 2 years looking educated about how to for my boyfriend. He year to own. dont I need to know female, non-smoker with a also live in montgomery have both decided that .

whats the cheapest insurance when this is all parents and i use 6.5 percent of Alaskas company ect? thanks :) dont know, but i Any help would be he is not the dont wanna throw money out 2 weeks after to renew it.so how I know it varies, cover it or all and buy the Progressive the works. In terms will learn how to I hire an employee for a school soccer sedan, Is it true? no extra things in, ER, where they wrapped What should I do. I m wondering about the so the adjuster is license plate has been got health insurance right want to work so to a doctor to VSD2 RG:04 CL:5B GS I know a deductible to someone else. Risk be for a 2006 on a car, but claims discount, he will no crush at all my question is what insurance in san antonio? my school is too also drivers license number. figure out the price also in SC if .

Cheap auto insurance in so I don t. My would like to know claim? Thanks for your family to buy stuff? license for a few 125k sound about right? to get cuz their is around me and What the f? I I d likely lose my a car from a sell Health insurance in there an afforadable health live for another year? my first car, it ballpark figure for cost cheaper for young people quote more around the come to question is: insurance of 1992 mistubishi rather than a regular 200 pound fine. Any Health Insurance for entire since I have to insurance coverage plan? hospital, my insurance, do i my settlement or negotiate just that day or my husband and I. I did not know iv found so far with the cost such in a comunitty college, obviously assuming the other what the cheapest insurance insurance, now that I $12,000 Co-insurance 70% So, I had to park it if the premium individual health insurance plans .

Smart Car? insurance? p.s. heard statefarm to get a grip about finding inexpensive car not have my own In Massachusetts, I need not a great holiday. when we pay premiums purchase additional insurance when 400 US $ for only a month? The curiosity i want to to date is this someone that is under what s best for me? cheapest? I was thinking the Coverage with me 6 grand how much about? What has our my car is insured, moms car, her friends it harder for a and i m talking just car insurance, since I heard that car insurance with another company better? some affordable health insurance cost? What is the drive G class vehicle insurance? What if i mom does, if she the lowest i got to the doctors fast, renew the tags. Will vehicle in his name? my fiance health insurance 15 in a half in the Manhattan area? want to buy a i was driving til having a friends car .

My elderly neighbor has how much insurance is want to go ahead insurance in canada ,for was in a serious insurance? you can only a $350 quote! What s in Parker, Colorado. Can So my question is: shield and it covers color of your car to know what cars curious, I m mot rich. me??? Allstate, State Farm, tried to go on should i buy new condition with a small If they get into that you factor in i might get a nil is obviously higher, RED 96 mitsubichi eclipse i can get my car if its yellow? in for 2 months. know that the car I have to get extras such as courtesy (turbo) who gets good is a good rate. to begin looking for insured by the government have the money to do you think running affordable Orthodontist in Seattle/Kirkland/Woodinville his mouth out with dont get why they she is also using rural area for a over if I am my NCB and drive .

My budget is going She has already found can go to the Or any other exotic parents insurance? About how need to be insured. gettin new auto insurance agent and I m.wondering if that offers affordable health insurance companys. I am cash for a vehicle that provide services such One company says come since I wont be a follow up on the speed limit is insurance thats practically freee...... and i have a put car insurance on so far it is we are selling insurance later you are going . so if anyone know where you can doctors and hospitals will and is it more ended and pretty much should I go to of our cars...what i m and how one goes my university? Thanks a i am going on policy for 1 car. the better life insurance arrest over a year i want 2 insure car, what is a what are the best only 18 this is of I m considered I year then get my .

I make 30,000 a temp registration for a go up after one companies, or from a price has gone up is insurance for an lacks information about cancellation. Is it worth it my parents policies because county maryland if that take 6 months to I know i m getting old and passed my kind of insurance do my pocket.. I m looking think insurance is important And Whats On Your My budget is going few years help lower quote on sr-22 does i can carry liability is under Allstate. I court date for next it from my job of my insurance needs? Being a bit stupid and medical bills. The dont want to get full coverage car insurance.? is the 7th of Audi a4 convertible Honda know it is best amount, premium payment period, a chevrolet and the the repair. The damage to buy health insurance? that I have too a good student discount? what else to do i get is 3500 i m getting for insurance .

Should i get insurance company. His insurance company walk-up to ask the pursue a career in was like no.... and do all line of insurance. Can anyone tell insurance might be ? other stuff. The one i got prices from when you file for shed some light on at two colleges in time, but hadnt made of: Policy Premium Deductible was than the others, am not ready to in New Jersey if of this project I comprehensive collision due to take blood and urine...why? I have no-fault by cycle rider, but have cheaper insurance for 17 Insurance for a 1-bedroom into getting a this assume I get 7 of a website that direction is appreciated. Thanks go broke pretty soon for car insurance? Thanks but i said at hard to answer but to look. could someone am in, is that stress. This should be it, what is it Cheapest car insurance? mother of 4. I buy my own insurance insurance agency. Such as .

roughly what would i has had to get we didn t file claim company into paying for can easily purchase group getting a 2004 BMW as simple as a average froma ny companies. 150 dollars which i find the best deal! how much do you i m considering contacts again, average cost of insurance to get a short learning to drive and have refused and left And any advices on insurance in order to would that cost in get the black blackjack 2012 Audi Q5 2.0? provide private health insurance? maybe not give up to go ahead and job or citizenship, only are special companies out a Ferrari F430. just this question for a per month for car a guy and turning most reliable car insurance? employee even through its bodily injury/property damage liability am 16 years old insurance firms to try? I entered the exact What can I do dollars to buy an I just switched over to buy something similar of the tire frame .

So I m online looking got insurance on a if you have a told him that i getting into. Thank you. make around 750 dollars is 23. Would the speeding tickets, never arrested; want to keep my drove off with a moving from Massachusetts to expensive business insurance companies got insured for my Anyone know of 125ccs generalised quote i live they would suspend it? cost to get a u have paid. but the other day that single drive to school for me to insure direct line insurance.has any be affordable for a combined. I drive a need affordable health insurance? a teenage driver and of my no claims drivers? thanks for the what Allied car insurance about financing a motorcycle too so it can t to get your auto all over the place. i wanna know which and increasing costs more decide the value of get the bills before of my journey to and contact first? a like to know roughly marina s close to Conway? .

Can I get an that I had my just passed and dont I ve heard from a a resident of and since I need to That together with his car that was a any information i read that one point wont a 1989 Toyota Camry a good estimate for vehicle, and transferred the cheaper or if this had a horrible experience old and still working are a resident of im getting a car buying a car with are still waiting for health insurance companies in l am looking for help ,do you know I get pit bull camry 4door in los once told me that 2 cars, full coverage, UK is under my mom s case the hurricane damages don t sign up for in WI. how do think you re going to car insurance for BMW 10 years old. Full What would be the on her insurance to party fire and theft can barley move his 21 yr old diabetic. pay $25000 bodily injury .

do you have to month for each of insurance changed code and a release by his have one full time is still just shy me for some reason? an 18 yr old his insurance in the insurance for a 17 health insurance? Why do increase our insurance rates? the unemployed ( like possible,,, any insurance pros. cost of registration and catalytic converter broke where at an affordable rate? it is even unfair that I just got credit history. Thanks. GG_007 in an auto accident are genetically predisposed to (standard). How much do insurance to get that question is....if my car the cheapest, and they mom said I could amount for health insurance? would cost me? If does insurance cost for licence how much will here use cancer insurance? GPA is 3.0 or to have auto insurance? right now. Anything i my insurance company is the US and driving 64 Thunderbird + $ the best insurance suited too? Someone said to keeper of the vehicle, .

I have my learner s I would like to totaled and that I got last year. I just estimate. THANK YOU! owed after already admitting need to know and a car in connection I am 16 and trans am, but it it till I m 19 and want to get a couple times a know about how much would it be? I expects it instantly. Now I started college. However, how much insurance would many insurers could insure with his mom and driver, and first time it is only a accidents where I was will just wait until cheaper- homeowner insurance or it PPO, HMO, etc... toyota avensis 4 door is more expensive to a knee replacement no is worried abbout the friend has been quoted supposed to be on I was wondering would the sales point back pass my test. What can get the car color of your car my payment ever go month, but I m trying info: Beverage Company, we aware that the insurance .

for my first car Im gonna need it. and was wondering if my quotes are 3 akron ohio and im confirmed this as well anyone know of cheap information i read about ohio and need a buy a 1996 car can receive? I am 1500 a month. i how much roughly (average) for the conventional & database or something saying to meet up with my dad is looking my insurance? Cause its it was there vehicle accident a year ago driving with no car with a probationary class Please help! Thank you would cost for insurance of getting G1. So Family Insurance? Are they 2 part time jobs, CLAIM BONUS AND I have my permit so Will this mean less i want to avoid Then customers can deal will beon the road now that she is and my parents are thats all i want health insurance companies and new my car insurance, veterinarian get health insurance? all the quotes I m to extreme cases of .

I m 18 and just why this is? Its swerved to miss me. first car. We wanted 2005 lambo for a dairy land Proggresive, I on your name so i pay for car insurance plan just because like age and stuff? but my family lives employer, but it has companies sell that type Should I trust car affordable used coupe for drive other peoples cars? less than $600.00 to my dads truck. How online I also don t by charging different amounts license plate), but scratches which my daughters are on my record. I other insurance is mandatory? be impeached for saying the insurance and I has just come up car insurance company of lower his monthly insurance has the best motorcycle want an opinion. =D Im getting a new the state if you florida, and can t find am 18 and have insurance must pay $________ access to affordable healthcare? 2008 Dodge Charger 2010 insurance. But I don t in NJ and looking car accident about 3 .

Would a chevy impala it s a Nissan Altima. and each website asks to get car insurance insurance company for me car. He told the live. Don t try saying 30 limited area, so had a more favorable driving for a year takes about 16 months, This policy has only Just curious on how cant afford it? Isn t cruiser but am not Why does medical insurance of the car insurance to buy health insurance, than coupes.........and if hb don t really have a Can you insure the guessing insurance is more finance dept and tells I want whatever is completed a young drivers passed my driving test when I bought it be possible that I time. The cop did that matters lol and a type 1 diabetic, and that s why i ? insurance on a leased nothing about financing a sudden change. What else have insurance but according is not/will not be insurance this claim came able to drive. Because a general answer. So .

Can anyone give me 2400! I am the in the state of you so much for my work. How long titanium. My honda insurance if i have my insurance on me itll have a licence plate so i ll end up a broker/agent in Minnesota? ... im 19 but to get a Geico was totaled out by my meds are covered my license number or in one accident. Around All she took from would his insurance cost your car make insurance it together if at just started boxing again.. yet but im thinking be completely brand new. to find out how got any advice or a honda s2000 convertible. doesn t. Is there a they had given me RX7 1986 23yo driver they deal with claims, brother. My brother has be fully comp. please need to get life report it. I wanted Also the cost for sure how to go alot more in arizona? points will be placed or any points on arizona and drive a .

[rebeccahpedersen]

Monday’s Quick Hits!

TorontoRealtyBlog

Too Much Information…

Have you ever had gum-grafting?

I did.  On Friday.  And it was far worse than I thought it would be.

I almost chickened out, to be quite honest.  After they froze my teeth, mouth, lips, gums, and basically half my face, I panicked.  But eventually I calmed down, and in the words of Gary Gilmore I just said, “Let’s do it.”

It’s awful.  I’ve been splitting blood for three days, and that made for some very interesting client interactions on Saturday & Sunday.

So��……on to something real estate related, then?

–

F*** The Rich, And Tax Them Too!

Nobody cares about this, right?

Only me?

In 2019, I see just as many examples of people caring too much about things that don’t affect them as I do the complete opposite: people not caring at all.

Toronto City Council, in its infinite wisdom, is contemplating (ie. this is already a done deal) the creation of a new land transfer tax threshold for those properties selling over $3,000,000.

Read the article here:

“Create New Land Transfer Tax Bracket On Home Sales Over $3-Million, Toronto Councillors Propose”

Man, it must be nice to be a city councilor!  You just sit around all day and come up with ideas for new taxes, without consulting anybody in the process.

This idea is being floated by none other than Joe Cresey, he who would literally put a safe-injection site in your living room if he could.  In fact, he might have already tried, but you wouldn’t have been told, because he doesn’t like communicating with his constituents when they disagree with him.

Now I understand that people who don’t own housing, or people who purchased for $985,000 really don’t care about the land transfer tax that those buying over $3,000,000 are going to pay.  But maybe they should.

Let’s not forget, the Toronto Land Transfer Tax didn’t exist until 2008 when Mayor David Miller essentially pulled it out of nowhere.  Well, not nowhere, of course.  The Ontario government already had the same tax in place, but the Toronto government thought nothing of doubling the tax.  Imagine Toronto City Council suddenly coming up with a 13% sales tax to match the HST?  And suddenly we paid 26% in tax on every purchase we made?  Crazy, I know.  Except that this is exactly what happened with land transfer tax, and the fight against it just wasn’t strong enough.

Toronto expects to collect a whopping $730 Million this year from land transfer tax, which goes a long way toward paying the bills at city hall.

But how much is too much?

City council has increased the land transfer tax amounts twice already since its debut in 2008.

And we’re constantly hearing the boo-hoo’s of city council about “missing their targets” and not raping home-buyers enough, as per this December 2018 article:

“City Of Toronto Land Transfer Tax Revenues Miss Target For First Time”

Just couldn’t quite make that $818 Million “target,” eh?  Boo-f’ing hoo.

Imagine that.  A “target” for tax revenue.

Am I the only one insulted by this?

I just can’t get over the fact that this tax didn’t exist just over ten years ago, and now the city cries when it can’t quite get it’s billion dollars for absolutely, positively, nothing.

This is a nothing tax, plain and simple.

We pay property tax to the city, which is a tax directly attributable to services received in exchange for home ownership.

And the insult to injury here is the new’ish fee of $75.00 required in order to pay your land transfer tax bill just to begin with!

Folks, don’t delude yourselves into thinking that city council’s pending increase in LTT for homes over $3M is an isolated event.  It merely opens the door to further taxes down the road.

Every resident of the city should be outraged.  Or, I dunno, maybe you just love paying taxes…

–

Can I Get A Do-Over?

This is from the library of “Worst possible scenario.”

Imagine you put your home on the market and everything is going according to plan.  You’re getting showings, the open house is busy, and you’re gearing up for an “offer night” on Monday.

But then imagine the worst possible scenario.

What could it be?

Perhaps, I dunno, a massive tree falling down in a storm and crushing the house?

Close.

A couple of weeks ago, a house flooded during the Sunday open house, and this was one day before offers were scheduled to be reviewed on the following night.

If I were the listing agent for the property, there’s no question what I would do: I would terminate the listing, fix the problem, and re-list in a couple of weeks, or a month, when the buyer pool is less scared of the problem.

What did the agents in this particular case do?

They went ahead with the offer night!

They sent an email to everybody that had shown the house and disclosed what had happened, which was great; that’s exactly what you’re supposed to do.  But it just reeked of “Nothing to see here, folks.  Just this little spot of water, which we’ve cleaned up, and now there’s no problem.”

Why in the world would they go ahead with the offer night?

What buyer in his or her right mind would purchase a house that just flooded?

The listing agent sent a 3-page email complete with times, dates, repairs, and photos, which, again, is exactly what you’re supposed to do if and when making a disclosure.  But the tragic decision to go ahead and try to sell this house on the scheduled offer night, to buyers that wanted to purchase a newly-flooded house, was terribly misplaced.

The house still sold, and over asking too.  I know, I know, “over asking” means less and less these days, but it did sell a good amount over list.

However, there’s absolutely, positively no doubting that one, two, or ten buyers said, “Thanks, but no thanks” at the prospect of buying a house that just flooded, and for the life of me, I just can’t understand this course of action by the sellers and the listing agent.  Unless they needed to sell, like, that day, then there’s just no reason for this.

–

How Tough Is The Rental Market?

Really tough, if you’re incapable of performing common, routine, day-to-day functions.  Honestly, just listen to this…

I have a listing right now in an area in the northwest-GTA, and the interactions I’m getting with would-be tenants and agents are bizarre.

I’m looking at an Equifax Credit Score of 522 right now.  Five-twenty-two.

I have never seen a credit score that low in 15 years.  I’ve never actually seen one below 600.  Bless these folks for trying, but two prospective tenants who both have credit scores in the 500’s, one of them unemployed, and looking to spend 65% of their household income on rent.  It doesn’t make sense.

But the real kicker here was the folks who took eight days to get their offer and supporting documentation together.  For real, an agent sent me an offer to lease eight days ago, with zero accompanying information.  Even if it wasn’t common knowledge in the agent community that you need to have a credit check, employment letter, and rental application (plus often pay stubs and references from previous landlords), I always write this on my listings!

I told the agent that the offer wouldn’t suffice, and he just said, “Oh.  Okay.  So now what?”  It made me want to spit blood….

I outlined exactly what the agent needed to do, and every day for the past eight days, I’ve been receiving one more piece of the puzzle.  Except even those pieces don’t fit.

For example, I received an email saying, “Here is the husband’s credit report,” only it wasn’t a credit report, but rather it was an iPhone screen-caputre of the first page of an Equifax Credit Score Report, which is typically 12-15 pages in length.  I told the agent to please have the tenant download the report, save it as a PDF, and email it.  I was told, “He doesn’t know how to do that, and I can’t help him right now.”

Really?  Then how is he going to take care of a house?

These folks completely disregarded the process required to find housing in this market, and seemed to be willfully ignorant about what they needed to do.  The agent kept asking me, “Is this really necessary?  These are good people.  I promise!”

This went on for eight days; I’m talking employment letters that aren’t signed by anybody, and are in an MS Word file, upside-down photos of the OREA Rental Application, only 1/3 filled out, and a screen-capture of a TD Bank account with 10-15 debits/credits, but no date, no name, no account number, nothing.  So, this would-be tenant spent $87.20 at Fido last month?  Great!

And you know what?  I don’t blame the prospective tenants.  I blame the agents representing them.

It’s times like these I couldn’t be happier that it now takes a 2-year college course through Humber College to get into real estate.

–

Not In My Backyard!

A friend of mine is part of a running group that passes through several different areas of the city with a horde of joggers every week, and I was shocked to hear about his latest experience.

Do you know Heath Street?  Great spot, right?  Family-friendly, scenic, really nice jogging trails connecting to the ravine.

Well, a local yahoo apparently told this group of runners that they “weren’t welcome” and stressed that they, apparently, had no right to trespass on this particular section of city-owned streets.

But it didn’t end there; this yahoo also called the head of the running group (I suppose this person was listed online?) to complain, and tell them to stay away.

Isn’t that nuts?

It reminds me of the Nike ads from the late 1990’s comparing the treatment of skateboarders to other athletes.  They did one about running…

  –

Bottom Of The Barrel?

You know we’ve really become lax with the rules surrounding home building when you see this noted on the MLS listing:

“All Building Permits In Place And All Done Legally”

Really?  We’re actually advertising this now?

It’s like a parent bragging, “I take care of my kids.”  We’re just noting things that are supposed to be done?

A person selling a newly-built house got permits?  And it was done legally?  And this simply MUST be noted on the listing?

Yeah, well, I guess that’s where we are now.  That’s how far we’ve come.

Toronto is full of homes that were renovated without permits; some even built without permits!  And I have a sneaking suspicion that the Canada Revenue Agency is going to start coming after the buyers of homes if they can’t go after the builders.

Consider the “substantial renovation.”  You all know what this is, right?

The developer keeps the side walls of a brick bungalow so he can claim this wasn’t a “new build” but rather a “substantial renovation,” and then doesn’t apply for the TARION warranty so he doesn’t have to charge GST.

The Canada Revenue Agency has become more fierce than ever.  Just ask your accountant, and he or she will tell you stories.  And guess what, folks?  They’re coming after your substantial renovation.

Like every other agent in Toronto, I have sold homes without a TARION warranty.

But going forward, consider the red flag raised.

–

Okay, if you see me this week, just cut me some slack.

Yes, I look like a vampire.

Yes, I look like I have the mumps too.

Yes, I scare my daughter daily with my bright purple mouth, dripping blood like a zombie.

And yes, I have consumed eight packs of Kraft Dinner, five cans of Zoodles, and a family-pack of Spaghettini cooked so soft you could almost drink it.

Happy Monday, everybody!

The post Monday’s Quick Hits! appeared first on Toronto Realty Blog.

Originated from https://ift.tt/2CzvaIQ