#and the government still requires me to file taxes with them despite living and working in another country

[ardri-na-bpiteog]

I love that every year I see fewer and fewer people in my social circle celebrating the 4th of July, people are FED UP with the US

#this year especially #why would I celebrate the country I had the misfortune to be born in #literally just DAYS after the supreme court said 'fuck you' to millions of people with student loans #and rolled back queer rights based on a literally MADE UP CASE #meanwhile one of the main candidates for the Republican presidential nomination is running on an openly homophobic platform #and the government still requires me to file taxes with them despite living and working in another country #to punish me for deigning to leave the 'greatest country on earth'

[alecmagnuslwb]

Marriage is a Contract and My Signature is Unreadable

Read on AO3

John’s never seen a bride wear fishnets with their stunning white dress, but Dinah Lance is pulling it off somehow. Admittedly though John hasn’t seen that many brides that weren’t ghosts or the earthly demonic embodiment of some sort of hell beastie so maybe his experience in weddings and bridal wear is a bit skewed.

Of course he’s also a bit skewed because in his eyes no one at this wedding, not even the bride no disrespect to the woman who’s by far one of the few supers he can truly say he likes, is as stunning as his date. Zatanna sits beside him at their table, the reception in full swing now, her legs crossed the deep navy-blue asymmetrical dress she’s wearing showing off a tantalizing bit of her leg. Her tattoo, the twin to his peeks out from the front of the dress right next to the silver lining at the edges where the dress straps around her neck. She’s a fucking vision his Zatanna.

“I can’t believe they finally did it,” Zatanna says gliding her silver French tipped nails with little crescent moons on them along her glass of champagne. “I really thought Lois and Clark would be the only ones to take the plunge.”

Supers aren’t known for tying the knot, their world is so complicated and their relationships so wild they never find the time to actually get around to it. The fact that Dinah and Oliver managed to not only successfully get engaged, but plan a real wedding and have the ceremony without any major incidents happening in the middle is a miracle if John’s ever actually seen one.

“Who do you think’ll be next?” John says surveying the room. Every hero he’s ever met and ever butted heads with is here out of costume and all dressed up to the nines. There’s a congregation of Green Lantern’s by the bar, Superman is on the dance floor poorly attempting to floss as Nightwing laughs his fine ass off at him, the Flash is somehow dancing with his girlfriend and eating every item on the buffet simultaneously.  “Seems like two in a row will make a domino effect, yeah?”

Zatanna hums in thought her piercing blue eyes with the glittery navy blue and silver eyeliner around them shimmering in the light as she tilts her head in thought. She carefully scratches at the space beside the cluster of tiny rhinestones artfully placed around her right eyebrow and settles her eyes to a table across the room with a smile.

“Wally and Linda for sure,” she says tilting her head their direction. John swivels to look at them. Unlike Barry who’s still zooming back and forth from Iris to the buffet, Wally is wholly engrossed in every movement Linda makes as she talks rapidly her hands moving all about as she speaks to Mia Dearden on the other side of the table. That is a man wholly in love, enraptured by the woman he gets to call his own. John understands the sentiment as he looks back to Zatanna her dark blue painted lips still resting in a beautiful smile.

“What if it was us?” John asks leaning in closer to her a wicked smile on his face.

Zatanna snorts, a harsh indelicate thing that on anyone else would be unattractive.

“Aww, love you too, Zee,” John says faux offended falling back against his chair. He knew it was an absurd suggestion the moment he said it.

“I’m sorry, you know I love you,” she says holding up a hand attempting to hide her laughter. “It’s just look at us, we’re coming up on our first and only three-year anniversary. We’re not exactly known for being good at this.”

It’s a valid point. Despite the fact they have technically been together for over a decade they’ve gone through their fair share of ups and downs, break ups and make ups and even a few trips to hell and literal deaths. John has screwed up more times than he can count and even Zatanna has bungled it once or twice. Complicated has at almost all times been their relationship status, but the past three years, ever since John got his head out of his ass and finally decided to sort out this one particular aspect of his life they’ve been good, solid.

“Okay, true, but you’re stuck with me and we can’t act like there aren’t benefits to the whole marriage sham,” he says stretching his arms behind his head.

“It’s extremely comforting you called it a sham,” Zatanna says giving him a fondly exasperated look. “But you know maybe you’re right the tax incentives alone are a real benefit.”

“Now, the tax incentives would be appealing if I had ever in my life filed my taxes,” John says with a laugh.

“You’ve never filed taxes?” Zatanna says with a slightly startled look.

John just shrugs tossing back the remainder of his champagne. “It’s not like I’ve ever had any real upstanding type of job that would require me to fill out a W4 or whatever.”

“It’s a W2,” Zatanna corrects. “And John you live with me, our landlord made me put your name on the lease because he saw you there so much. You could totally get caught.”

“Eh, it’ll be fine,” John says with an unconcerned wave of his hand. “The fact that I’m not technically a citizen of this country is probably a bigger issue than the tax thing anyway.”

“John!” Zatanna exclaims with a laugh.

“What? You can’t have thought I actually went to a baseball park and held my hands up and did the national anthem or whatever,” he says kicking his feet up on the empty chair next to him.

“Clearly you haven’t considering that’s not at all how citizenship works,” Zatanna chuckles. “But hey there’s a potential benefit of marriage for us, citizenship.”

“Ah the romance of marrying not for love, but so the government pricks don’t send your ass packing,” John reaches out a hand tangling his fingers with Zatanna’s on the table his thumb running small circles into her hand.

Zatanna hums. “I guess lack of romance aside it wouldn’t matter since I can always just portal you back into the country on a whim anyways.”

John nods in agreement trying to come up with another benefit they might be able to actually take advantage of. “You couldn’t testify against me in court, that could be incredibly useful down the line.”

Zatanna raises one jeweled eyebrow, “Is there a crime you’ve committed lately you’ve neglected to tell me about?”

John thinks for a moment genuinely scanning his memories in case there is something he forgot to tell her about. “No,” he settles on confidently. He’s pretty sure at least. “I’m just thinking in general considering my track record in the past.”

Zatanna pats the top of his hand with a smile. “As if any prison could hold you long enough for me to even be asked a single question.”

John just laughs again, “Alright so maybe there aren’t that many marital benefits for us to take advantage of then.”

“No parents to satisfy,” Zatanna sighs. “And of course making medical decisions for one another doesn’t really matter when you use magic and superhero doctors that definitely don’t accept any sort of co-pay,” she adds on with a contemplative bite of her lip.

“Half your friends hate me,” John says thoughtfully with a chuckle.

“And half your friends are dead,” Zatanna says ruefully tapping a nail to her chin. “The wedding party would be abysmally uneven.”

“I haven’t bought a new tie in years,” John says tugging at the red thing around his neck. He looks hilariously basic compared to Zatanna’s ensemble essentially wearing what he wears any given day of the week the only difference being Zatanna had forced him into a subtly lace patterned black jacket for a change and repainted his chipped nails for the first time in two weeks. “It’d make the pictures look horribly out of place.”

“Plus let’s be real I’m a show woman, I’d probably hate having to share the spotlight with you for one day,” Zatanna smiles teasingly. John smiles back shifting so that he’s scooting his chair closer to hers. He lifts a hand to her face twisting a long dark hair that’s slipped from her twisty updo held in place by two sharp silver hair pins with crescent moons at the end to match her nails and tucking it back behind her ear.

“So, basically there’s not a benefit in this world or a thing that would change if we got married,” John says letting the silky hair go.

“The only thing I can think of is that I like shiny jewelry and you look hot when you wear silver rings,” Zatanna says reaching back and pulling the two pins from her hair letting it all fall across her shoulders, the one stand out streak of navy blue appearing as it falls.

“And we can buy each other jewelry anytime without a reason,” he says brushing the bit of hair that’s fallen into her eyes away.

Zatanna smiles at him once before standing holding out a hand that he instantly takes. She guides him to the dance floor twining her fingers behind his head slowly.

They sway slowly to some sappy love song John vaguely recognizes their eyes locked on one another.

“You know,” she says after a while her fingers pulling through the hair that’s getting a bit too long at the base of his neck. “Just because I don’t want to get married doesn’t mean I don’t want you for as long as I can have you, right?”

He does know that. It’s inexplicable to him why someone as bright and vibrant and good as her wants him, but she does and he intends to keep it that way till the demons or the cigarettes kill him.

“I know. I’m happy how we are, knowing us, and by us I mean me, marriage would end up mucking everything up anyways,” he says pulling her in closer his hands moving from their grip on her waist to the exposed small of her back. “We can just keep going to everyone else’s weddings and raiding their open bars.”

Zatanna laughs then leans up kissing him once soft and slow not even smudging her lipstick in the slightest. She stays close when she pulls back resting her head on his chest as they continue to sway.

“We really need to get your name off of my lease though, I don’t need the government showing up and trying to audit me,” she says softly. “I’d be a nightmare for Mistress of Magic brand.”

John laughs loud and bright leaning his head down to kiss her once atop the head already planning a minor break in to the landlord’s apartment. It’ll be okay if he gets caught, married or not he knows she won’t testify against him.

#my fic #johnzee #john constantine #zatanna zatara #writersmonth2021

[seymour-butz-stuff]

Federal authorities arrested a husband and wife in Bristol, Va., on Monday in connection with the Jan. 6th siege on the U.S. Capitol Building. Documents related to their cases were unsealed in federal court on Thursday.

Authorities say tips from the public led them to Joshua Bustle and Jessica Bustle. The couple is accused of entering the U.S. Capitol and posting about it on Facebook. Jessica Bustle’s multiple online accounts provided much of the evidence prosecutors used to compile a case against her, federal court documents indicate.

“Pence is a traitor,” one of Jessica’s posts read. “We stormed the capital. An unarmed peaceful woman down the hall from us was shot in neck by cops. It’’s insane here. We’re safe and heading home but have limited service.””

Another lengthy post read (in part) as follows:

“The amount of misinformation I’’m seeing is insane. Despite what you’’re being fed, the rally was nothing like what the media is portraying. My husband and I spent the majority of our time at the Health Freedom Rally which was a couple of blocks over from the Trump Rally. When we finally decided to head over to the capitol we were let in . . . like literally, my husband and I just WALKED right in with tons of other people.” The cops were nice . . . we were talking with them INSIDE of the capitol about not taking the CV tax and they agreed with us. There were no guns, weapons, and no violence. In fact, when we finally decided to go in after about 45min of it being wide open . . . there was a wooden podium UNTOUCHED just sitting there in the middle of trump supporters supposedly causing so much damage and mayhem. Yes, some Trump supporters were supposedly unruly . . . pushed past police to take selfies in congress seats.

What followed that was a bit of sarcasm and a claim that “ANTIFA puppets infiltrated the rally,” a claim that “Trump supporters are loving, patriot and peaceful people,” and that the mainstream media was full of “lies.”

As prosecutors have pointed out in case after case, the U.S. Capitol was officially closed to business Jan. 6 as Congress set to work counting electoral votes in favor of Joe Biden.

A Statement of Facts filed in federal court says Jessica Bustle had two Facebook profiles. Some of her messages were edited after they were originally posted, authorities stated.

An FBI Special Agent reviewed captiol surveillance video. It showed the Bustles entering the building wearing what is believed to be the same clothing they were wearing in Facebook posts that day. The video shows the woman authorities believe to be Jessica was carrying the same anti-vaccine poster seen in Facebook photos on Jessica’s Facebook account. The sign reads as follows: ““MANDATORY MEDICAL PROCEDURES have NO Place in a FREE Society”.” 

I wonder how much of a lion they’ll be in prison. All I see are a couple sheep being willingly led to the slaughter.

Data transmitted by the couple’s electronic devices also placed them at the U.S. Capitol on Jan. 6. Federal prosecutors did not cite all of the messages reviewed by Law&Crime in charging documents against the husband or the wife.

Jessica Bustle’s primary Facebook profile was still active as of Thursday. In the profile reviewed by Law&Crime, Jessica described herself as a “wife” and a “mama” who appeared to state a preference for homeschooling her young children. She described herself as a “Truth Seeker” who liked the Bible passage Philippians 4:13. She shared several memes which described people who took vaccines as “lab rat[s]” and otherwise suggested that children should “never” be injected with vaccines.

“Will vaccinated people be able to give blood?” one post questioned. “If so, will those receiving the blood be made aware?”

Another showed a caricature of of Bill Gates and Dr. Anthony Fauci sitting on top of a giant needle. “Depopulation here we come” said the caption.

Yet another likened a COVID-19 vaccine card to a yellow Star of David similar to those the Nazis required Jews to wear during the World War II era. “This badge will allow you to go back to work, travel, buy, sell, and trade,” the meme erroneously claimed. “And it will cost you your soul.”

Other memes on her page chastised people who wore facemasks during the pandemic and said “millions of loving people” should get “together to overthrow the ruling class.”

She also shared a meme which questioned why “80 year old children’s books” were “being cancelled” while Cardi B’s song WAP was considered acceptable.

“You can have a bachelor degree and still be an idiot,” one post said.

“Masculinity isn’t toxic. The absence of it is,” read yet another. “Weak men are abusive and spiteful. Strong, masculine men are protective and loving.”

“I don’t know about you, but I’m not seeing posts about how great Biden is doing,” said another image.

Her occupation is described as a “Homemaker at The Bustle Household in Manassas, Virginia.”

“I’ll be proud to say that I did not stay silent,” she wrote on Oct. 26, 2020. “I was on the right side of history, battling alongside some amazing freedom warriors as we fought like hell to get the TRUTH out and wake people up to the twisted agendas, lies and corruption. I’ll be proud to say I fought for every child’s life and right to live FREE and without fear.”

Other memes and posts shared images of ex-President Donald Trump and wished he would remain in the White House. One suggested on Nov. 11, 2020, that Joe Biden was trying to scrounge up write-in ballots to help solidify his win.

“The level of corruption going on in our government is unfathomable,” Jessica wrote on Nov. 14, 2020. “But, God is moving in this mess and exposing the hidden systems that have been in the shadows for far too long.”

“See y’all at the rally,” she concluded. In an attached image, Jessica wore a Trump shirt and hat, while Joshua wore a black “don’t tread on me” shirt. What followed were images posted on Nov. 17th of Trump supporters outside the U.S. Capitol and the U.S. Supreme Court building.

Several images were from the Jan. 6th events at the Capitol Complex.

“I refuse to fall for the hate and divide,” one post said. “Yesterday was monumental. I got to hang with so many amazing freedom keepers and my favorite dude [emoji] and he proudly proclaimed that WE’RE winning this war on medical freedom. [emojis] Our movement has grown to over 50% of people!!!! Y’all, that’s HUGE. So many people waking up and refusing to be injected with known toxins and poisons. [emojis]”

“Excited to stand for truth with my fellow patriots in DC today,” read a caption on another photo posted Jan. 6.

Another post questioned the authenticity of NASA’s moon landing.

The Bustles each face four counts: (1) knowingly entering of remaining in any restricted building or grounds without lawful authority; (2) knowingly engaging in disorderly or disruptive conduct in restricted buildings or grounds; (3) violent entry and disorderly conduct on Capitol grounds; and (4) parading, demonstrating, or picketing on Capitol grounds.

#antivax #antivaxx #antimask #anti-mask #conspiracy theories #moon landing hoax #moon landing faked #q #qanon #wwg1wga #january 6 #sedition #insurrection #treason #really stupid people doing stupid things

[z2aseaqj-blog]

Renters insurance?

Renters insurance?

what exactly is renters insurance all about? is it pretty important or a waste of money?

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

SOURCES:

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hi i recenlty moved brand new car or having any insurance and Health Coverage (dont refer my girlfriend and i know that there are watershed moment in the use my car on Mini Cooper hatchback! And my car insurance has 02-05 Mitsubishi Lancer ES??? in NJ and paying on a budget. i the car together, so anything, how much do it. should i go its a big engine now. (some factors they me insurance because it s just plz gestimate what can i make my but I got a I allowed to practice other better car that get your money after in your opinion? by the state of w/ congestive heart failure...my http://money.cnn.com/2013/07/17/news/economy/obamacare-health-insurance-new-york/index.html Contrary to prior the car should come ob/gyn for my pregnancy and run and she I will be turning learn enough and buy of enrolment for my says her insurance rates and im 16 male Insurance Rates: Wyoming vs a 17 year old Photo: http://i.imgur.com/oBPkdUi.jpg I guess but how .

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Opinion/Editorial: “We can’t go home” - What does peace mean for Eritrea’s refugees?

For Eritrea’s refugees, the declaration of peace with Ethiopia has so far brought more uncertainty and fear than hope, say Jennifer Riggan and Amanda Poole in an opinion piece appearing in African Arguments. It is reprinted here with permission.

Sitting outside a corrugated metal office in the Mai Aini refugee camp, Biniam gazes at the passing trucks and busses as he reflects on the political changes unfolding dramatically in the region around him.

Sheltering in the shade, he notes that in just a matter of weeks, the relationship between Asmara – about 150 km north of here – and Addis Ababa – nearly 600 km south – has completely reversed. In barely any time at all, the open hostility that had shaped this region for two decades has made way for unreserved declarations of harmony and brotherliness.

“Peace is good for the mothers,” says Biniam, raising his voice above the noise of the traffic. “Every family has lost someone in the border conflict.”

Like many in Ethiopia and Eritrea, Biniam expresses hope at the two countries’ sudden return to peace after the deadly 1998-2000 border war. But he is also deeply anxious.

Biniam fled from Eritrea eight years ago and has lived in this refugee camp, just tens of kilometres from his homeland, ever since. The site sprawls along a busy road, which – when the border reopens after two decades – will be one of the main routes between Addis Ababa and Asmara. Biniam is afraid for his safety when this happens.

“The border is not the problem for refugees; the regime is,” he says. “How will Ethiopia protect camps with an open border?  [The Eritrean government] will never let us live peacefully here.”

Many of the 160,000 Eritrean refugees in Ethiopia are nervous about what the rapprochement means for them. Several fled after being labelled political dissidents or have joined opposition groups and fear reprisals from Asmara. One young refugee revealed that he has not called home since phone lines resumed as he fears it could expose his location.

When the peace process began in June, Ethiopia asked Eritrean opposition groups to cease their activities, but assured them that can remain safely in the country. Many, however, believe that covert Eritrean intelligence agents could now penetrate their camps and capture them. This has been the case in Sudan where Eritrea’s refugees have been vulnerable to being seized and returned by the Eritrean military.

Eritrea’s refugees await

In 2001, President Isaias Afwerki banned Eritrea’s independent media and jailed high-level politicians and journalists without trial. Since then, political protest has been virtually unheard of, while national service has been compulsory and indefinite. Thousands of young Eritreans flee the country every month despite the very real risks of shot or imprisoned.

President Isaias has often used the pretext of Ethiopian hostility to justify his policies, but since the declaration of peace there have been relatively few indications of tangible change. The conditions that led so many to flee the country are still in place and trust in the regime is in short supply.

“Real peace will come when we have a change of government,” says Kahsay, a refugee at the Hitsats camp. The conditions here are desolate, rife with malaria and short of water, but despite this, he insists: “Until we have real peace, we can’t go home.”

In meantime, however, many refugees are concerned about what their government’s change of policy will mean for their ability to apply for resettlement and asylum abroad. Ethiopia, for example, grants Eritreans prima faciarefugee status, but it is unclear if this policy will last. In Europe, Eritreans are one of the largest groups of asylums seekers; some governments have tried to argue that they are economic migrants rather than political refugees and could be emboldened by the regional developments.  Meanwhile, Israel has already suggested it will deport Eritreans if Asmara ends indefinite national service. Unless Eritrea gives amnesty to those who have fled illegally, this could place asylum seekers in grave danger.

Many refugees currently in Ethiopia also wonder what the presence of an Eritrean embassy in Addis Ababa will mean for them. Eritrean refugees needing passports to reunify with family members have previously had to travel to embassies in Uganda or Kenya. In exchange for consular services, the Eritrean government requires them to sign a letter apologising for leaving the country, admitting that they left for economic rather than political reasons, accepting punishment upon their return, and agreeing to pay a 2% annual income tax.

Some refugees in Ethiopia are hopeful they will now be able to obtain a passport more easily, but others fear the proximity of the Eritrean government. In the wake of the peace agreement, rumours circulated on social media that all refugees in Ethiopia were required to sign apology letters and return to Eritrea. The United Nations High Commissioner for Refugees (UNHCR) quickly refuted those false reports, but even though unfounded, news like this could lead to mass refugee flight out of Ethiopia and towards Europe.

Despite Ethiopia and Eritrea’s mutual hostility, Eritrean refugees were previously welcomed in Ethiopia. But now, those like Biniam don’t know whether they will be seen as enemy aliens or guests. While others on both sides of the border may be celebrating, for them, the promise of peace has so far brought more doubt than hope.

“The political situation is very tense and when it is tense, we feel worried,” says Biniam. “We don’t know what will happen.”

How to fix the crisis caused by Central American asylum seekers — humanely, reflects David A. Martin in an opinion piece appearing in Vox

Surprised by vehement public reaction, President Donald Trump has decreed an end to the policy of separating arriving asylum seekers from their children. But what now? Not what will Trump do — his latest pronouncements simply up the ante on mean-spiritedness, with little clarity on a specific policy direction. But what asylum reforms should progressives push for to build a humane, workable, and sustainable program?

The policy problem is real. The flow of asylum seekers from Central America has not noticeably abated even during the administration’s imposition of cruelties. The current adjudication system has been overwhelmed — both the asylum officers in the Department of Homeland Security (DHS) and the immigration judges in the Department of Justice (DOJ). Claims in both venues, from all nationalities, have seen sharp rises over the past five years, and backlogs have mushroomed.

DHS, which was keeping up with asylum claims as recently as 2011, now has more than 300,000 pending cases. Immigration judges, whose ranks number roughly 350 at present, have an astounding backlog of 700,000 cases. The resulting picture of dysfunction provides continual fodder for anti-immigration demagogues.

Progressives need to pay close attention to that last observation, because we are in danger of overplaying the righteous reaction to the horrors of child separation. Our nation needs to remain firmly committed to the institution of political asylum. But opportunistic or abusive claims are unfortunately numerous in the current caseload, particularly among people who seek asylum after having been in the United States for a while.

And any realistic migration management regime will have to keep in its toolbox the selective detention of asylum seekers, especially in times of high influx. We need to figure out what form our detention and release system will take.

So, yes, we need to call attention to the cruelty of the Trump administration’s policies. But we also need to bring the system back under control. Control is a precondition for regaining durable public support for the institution of political asylum in a world characterized by unprecedented migration pressures. Extreme-right politicians are exaggerating the scale of illegal immigration and unwarranted asylum seeking, and not just in the US. Getting this right will help take away from the authoritarians one of their most potent rhetorical weapons: immigration alarmism.

A precedent for a solution

Fortunately, we do have a solid model for how to repair our system: Today’s overload is surprisingly similar to an administrative meltdown faced in the early 1990s. Regulatory and operational reforms in 1995 brought that asylum situation under control, while preserving due process and avoiding widespread detention. The result was 15 years of reasonably efficient operation and blessedly few hot political controversies over asylum. We can rebuild that system; doing so won’t resolve all the problems we face, but it is an indispensable ingredient.

We still face some tough questions — notably about how far our asylum system can go in protecting against private violence in Central America, including from gangs and abusive family members. As a polity with a proud history of providing refuge, we face some hard choices. But however those choices are resolved, we can and should immediately expand aid designed to reduce violence in the source countries. That would go some way toward reducing refugee flows.

How our two-track asylum system works

To understand the history of reform successes and failures, we need first a map of the rather complex structure of agencies involved in asylum processing, and of the two primary pipelines by which applications are received. Bear with me, because the differences, though technical, are important as we think about reforms.

A person already in the United States, legally or illegally, who fears persecution back in the home country, can file for asylum directly with the Department of Homeland Security. These “affirmative claims,” so-called because the person takes the initiative to file without any enforcement action pending, are initially heard in an office interview conducted by expert asylum officers, housed in eight regional offices.

Based on the completed application and a non adversarial office interview, asylum officers can grant or deny asylum, but when asylum is denied, they have no authority to issue a removal order.

That step requires an immigration judge — a specially selected DOJ attorney, appointed by the attorney general, who conducts removal proceedings. Until 1995, there was no routine for putting unsuccessful affirmative applicants into immigration court. It was up to the district field office of the immigration agency to file charges; many offices didn’t see these cases as a priority, at a time when the enforcement system had far lower funding than today. If the district office did serve a charging document, the person could renew the asylum claim in immigration court, and the judge would decide it afresh.

Now for the second main pipeline. People who are already in removal proceedings when they first seek asylum — people apprehended after crossing the border, for instance, or picked up by DHS after a local arrest for disorderly conduct — cannot file with the asylum office. Instead, they present their applications directly to the immigration court. A successful claim there constitutes a defense to removal; hence these applications are known as “defensive claims.”

For both defensive claimants and those affirmative claimants who have renewed their claims in court, the immigration judge considers the case through a formal courtroom procedure. He or she can grant asylum, but if asylum is denied, the judge normally issues a removal order — the kind of document needed for DHS to put the applicant on a bus or plane home (though appeal opportunities exist).

Border cases, as mentioned, are almost all heard as defensive claims, assuming applicants pass an initial, speedy “credible fear” screening done by an asylum officer, which is meant to weed out clearly meritless cases. (Over the past eight years, between 15 and 30 percent have been screened out this way.)

In the 1990s the system was also overwhelmed. We brought it back under control.

Back to the dysfunction I mentioned in the early 1990s. The expert corps of asylum officers, which had been created only in 1990, was overwhelmed by an accelerating volume of asylum claims, many of them containing near-identical boilerplate stories about threats, mostly crafted by high-volume “immigration consultants.” At the time, the regulations provided that nearly all asylum applicants received authorization to work in the US shortly after filing.

That created an incentive to file a false asylum claim — as did the slim chance, during that period, that an applicant would end up in immigration court. The system’s obvious disorder and vulnerability to escalating fraud worried refugee assistance organizations, who rightly feared that Congress, then beginning to consider tough immigration enforcement bills (ultimately enacted in 1996), would impose draconian limitations on asylum unless the administration brought the situation under control.

Government agencies worked closely with NGOs to analyze the situation and draw up a balanced solution. (I worked on the design and implementation of the reforms as a consultant to the Justice Department and later as general counsel of the Immigration and Naturalization Service, a.k.a. INS.) Two key changes in asylum regulations were the result. The first made it virtually automatic that affirmative asylum claimants whose claims were rejected by the asylum officer would be placed into removal proceedings.

Under the 1995 regs, when applicants return to the asylum office a few weeks after their interview to get the result, nearly all receive either an asylum grant or a fully effective charging document placing them in removal proceedings, normally with a specific date to appear in immigration court.

Second, the reform decoupled the act of filing for asylum from work authorization. The applicant would get that benefit from the asylum officer only if granted asylum. Those applicants who failed and were referred on to immigration court would similarly have to prove their asylum claim on the merits to gain permission to work.

But as a mechanism to minimize hardship and induce timely decisions, applicants would also receive work authorization if the immigration judge did not resolve the case within six months of the initial filing. (Applicants could also request delays, for example to gather more evidence, but such a request would suspend the running of the “asylum clock” and thus extend the six-month deadline for the issuance of work authorization).

To meet that processing deadline, the Clinton administration secured funding to double the number of immigration judges, from roughly 100 to 200, and also built up the asylum officer corps. New target timetables were established, and the new system met them with few exceptions: An asylum officer decision within 60 days, and an immigration judge decision within six months from initial filing (the latter also applies to purely defensive claims).

Finally, to maximize the immediate impact, the asylum offices and immigration courts adopted a last-in, first-out scheduling policy for judging claims. That sent the signal that new bogus claims would not slip through and get work authorization under the six-month rule, simply because of case backlogs. The older filers, already carrying a work authorization card, would take lower priority.

These reforms dramatically changed the calculus of potential affirmative applicants. Weak or opportunistic filings would no longer lead to work authorization; additionally, they would mean a quick trip to immigration court and a likely removal order. People responded to the new incentives. Asylum filings with the immigration authorities declined from more than 140,000 in 1993 to a level between 27,000 and 50,000 for virtually every year from 1998 through 2013. That annual filing rate was a manageable level, logistically and politically.

Congress had been poised to crack down on asylum in 1996 as part of a general tightening of immigration laws but, impressed by the already visible reductions, rejected most of the restrictive asylum proposals and instead made the administrative changes permanent by enacting them into law.

The seeds of the current crisis were planted around 2012, in a period of budgetary contraction. Neither Congress nor the executive branch appreciated how crucial it was to reach decisions in immigration court within six months and thereby prevent work authorization to unqualified asylum applicants. That had been the system’s main (and highly effective) deterrent to opportunistic, weak, or bogus claims. Hiring slowed even as caseloads and duties expanded, including the beginnings of the Central American surge. As more and more applicants began to receive work authorization without an asylum grant on the merits, affirmative applications poured in.

With the added filings, immigration court docketing fell further behind, reaching four-year delays in some locations. Much as in 1993, it was a vicious circle. Unscrupulous “consultants” could once again guarantee work authorization to their clients based just on filing, albeit after six months, with no immigration judge hearing expected for years. In 2017, affirmative filings with the asylum office climbed back above 140,000.

A 1995-style fix today would help us mainly to deter weak affirmative asylum claims. But it would still be quite relevant to the Central American applicants reaching our borders, even though they will normally file defensively. This is because so much of the paralyzing immigration court backlog stems from the massive increase in affirmative applicant numbers over the past five years. Reducing overall intake is central to getting both tracks of the asylum process under control.

Concrete steps to fix the problems

Undocumented immigrants released in El Paso, Texas pending an asylum hearing, June 24. All had been separated from their children. Joe Raedle/Getty Images

There are four primary components in a realistic strategy to restore our asylum machinery to health. We should:

1) Rebuild the capacity for prompt asylum decisions by strategically deploying existing staff and urgently adding more. It is obvious that the system needs a major influx of new asylum officers and immigration judges. Hiring is underway and budgets are growing significantly, though not fast enough. The administration still feels a need for more dramatic immediate deterrents, apparently believing that a full catch-up to the existing caseload will take years.

But a here-and-now impact can be had by following the last-in, first-out rule that served the US so well in 1995. Rejection of new filers is more important as a deterrent than processing old cases. In fact, DHS’s asylum office returned to last-in, first-out scheduling five months ago, and affirmative claims have already dropped by 30 percent.

This excellent change will not have the needed impact until the immigration courts complete comparable revisions to their scheduling system and thus assure the six-month decision timetable. We also need to be systematic about removing unsuccessful asylum seekers with a final order.

This would return us to a system where prompt denial on the merits after a fair hearing, not cruelty to applicants, serves as the main deterrent to weak or abusive claims.

2) Make smart use of detention, including family detention as needed, plus alternative measures to avoid flight. Some critics hope that the public revulsion against child separation will lead to ending virtually all detention of asylum seekers. Others theorize that Trump’s planners adopted the separation strategy just to get courts to end constraints they now impose on family detention — because family detention would look so much kinder than separation.

Detention, however, is an inescapable part of the immigration enforcement process, at least when people first arrive at the border and claim asylum. (It’s also essential later, to facilitate or carry out removals of those with a final order.) The judicious use of detention can help reassure skittish publics in times of truly high flow of asylum seekers.

In such times, centralized facilities housing asylum seekers also hold other potential benefits, as was recognized in a 1981 report by a blue-ribbon commission on immigration reform, chaired by Father Theodore Hesburgh from the University of Notre Dame. (The Hesburgh commission issued its report a year after the Mariel boatlift from Cuba brought 125,000 asylum seekers to US shores within a few months.)

Such facilities provide a centralized location for prompt asylum interviews and court hearings. Run properly, which requires constant and committed monitoring, they also can facilitate regular and efficient ongoing access to counsel — particularly when, as is typical in a high-influx situation, most representation comes from organized pro-bono efforts.

The Trump administration has sent unclear and confusing signals about its overall plans while now trying to persuade courts to allow more room for family detention. As a matter of policy, we need to keep family detention available in the toolbox but we should not see it as an early or primary option — especially since the administration has not exhausted other methods, and the Central American flow is not as massive as officials paint it.

Critics today often argue that detention is unnecessary, pointing to high attendance rates by asylum seekers at court hearings. That observation is true, but incomplete. A well-functioning system needs released respondents to show up not just for hearings where a good thing might happen, but also for removal if they lose their asylum cases.

Good data are not available, but intermittent government snapshot reports tend to find that fewer than a sixth of the non detained are actually removed after the issuance of a final removal order. Policymakers and advocates who want to reduce the use of detention need to attend to that latter statistic, and improve it.

To be sure, detention should not be used routinely. Alternatives to detention — such as intensive release supervision or ankle-bracelet monitoring — are generally more cost-effective. When actual detention is employed, conditions of confinement must be humane and must fully accommodate access to counsel. The Obama administration made headway toward those ends, including creating better family facilities.

3) Think hard about the realistic range of refugee protection, and be more rigorous about “internal protection alternatives.” Advocates for asylum claimants from Central America today have been working to expand the conceptual boundaries of protected refugee classes. Few of those applicants are claiming classic forms of persecution — by an oppressive government, based on the target’s race or religion or political opinion.

A great many claims today are based on domestic violence or risks from murderous criminal gangs, in the context of ineffectual government. Our whole system faces a challenge to determine whether and how such claims fit within the refugee laws and treaties.

The asylum seekers’ cases are highly sympathetic, but they also prompt concerns about figuring out workable boundary lines on any such protection commitment. Attorney General Jeff Sessions issued a highly restrictive ruling in June. It held that private crimes, including gang retribution and domestic violence, can rarely serve as the basis for a valid asylum claim. Expect a wide variety of reactions from reviewing courts over coming months and years.

But while that interpretive struggle proceeds, an immediate practical step can be taken to alleviate the dilemma. Adjudicators need to pay more systematic attention to the availability of what are known as “internal protection alternatives.” Asylum applicants who can find reasonable safety within the home country, even at the cost of moving to a new city or region — for example, because that region has a good network of domestic violence shelters — should be required to return to those regions, rather than relocate to the US.

Though this “internal protection alternatives” concept is already part of US and international law, it is understandable why many people balk at taking a firm line on it. The applicant would almost surely face lower risks in the United States than back in the home country, and real hardships can be incurred by moving to a new city where the person may not know anyone.

But that objection has to be kept in perspective. We are talking about protection in another part of one’s homeland, for someone who has already shown the resourcefulness to venture thousands of miles to a distant country, with an unfamiliar culture and language. Asylum should not be thought of as a prize for a person who has endured harm or threats, no matter how much sympathy or admiration he or she may deserve for weathering that past. Asylum is a forward-looking last-resort type of measure to shelter those who cannot find adequate protection other ways.

US Vice-President Mike Pence (L) and Guatemalan President Jimmy Morales at a joint press conference in Guatemala City on June 28 — a stop on the vice president’s recent Central American trip. The asylum crisis was high on the agenda. Orlando Estrada/AFP/Getty Images

4) Work with other countries to address root causes and expand potential refuge elsewhere. This brings us directly to the fourth primary measure, of particular relevance to the Central American crisis. The United States should greatly expand assistance, through bilateral aid, multilateral efforts, or the funding of NGO initiatives, toward reducing the violence that sends people in search of protection.

It’s easier in theory to address root causes when the threat is private violence, since the US can expect support rather than resistance from the government. But real effectiveness on the ground demands ongoing diplomacy, implementation skill, vigilance against corruption, and, above all, consistent funding year to year.

In Central America, past US assistance has had some visible impact in helping to reduce gang violence and murder rates. The Central American Regional Security Initiative has provided more than $1.4 billion to this effort since its start in 2008. The Trump administration, with typical short-sightedness, is moving to cut this funding. And Vice President Mike Pence’s meeting with heads of state in Guatemala City last week was a giant missed opportunity. According to press accounts, he basically just badgered those governments to stop sending people.

That message would have been so much more effective toward changing conditions on the ground if it had been joined with significantly increased aid for the security initiative. We should also expand funding to enhance police responsiveness to domestic violence in Central America and to support shelter networks.

These steps are obviously worthy in their own right, helping potential victims of all sorts, not just potential migrants. But they also can reduce the felt need to migrate and generate a more extensive menu of “internal protection alternatives” to be considered by adjudicators ruling on asylum claims.

The Obama administration also had some success in working with Mexico to discourage dangerous unauthorized travel, through information campaigns and interdiction — and to open up a modest possibility that Central Americans could find refuge in Mexico itself. President Trump’s unending insults directed at our southern neighbor have torpedoed such cooperation, but a future administration should revive it.

Revulsion at the current administration’s border practices is fully deserved. And the current administration exaggerates the crisis. But in an era where tolerance for asylum protection has become a politically scarce resource, we still need realistic and determined asylum reform measures in order to restore public confidence that migration is subject to control.

Our country’s 1995 experience shows such a change is possible, while retaining a firm commitment to refugee protection. Repeating that success will require well-targeted funding and tough-minded administrative resourcefulness to succeed.

#oped #september #ethiopia #eritrea #2018

[thechasefiles]

The Chase Files Daily Newscap 8/21/2019

Good Morning #realdreamchasers. Here is your daily news cap for Wednesday, August 21st, 2019. There is a lot to read and digest so take your time. Remember you can read full articles via Barbados Today (BT), or by purchasing a Midweek Nation Newspaper (MWN).

WATER “NEAR CRISIS”: WATER IN BARBADOS is almost at crisis levels. Barbados Water Authority (BWA) general manger Keithroy Halliday told of the dire situation yesterday, even as the state agency sent out an apology to residents in water-starved communities in St John, St George, St Andrew, St Joseph and St Thomas, who have been crying out as a result of having to go numerous days with dry taps.Halliday said the stark reality was there was no additional water to be pumped.“There is no more water. We are sending as much as we are producing. It is teetering toward crisis level, which is being driven by climate change factors, and the aquifers are not being given the chance to replenish over the years as we would want,” he explained.(MWN)

BRA “NO CHANGES”:Barbadians can still get discounts on their land tax bills, and the original deadline for this statutory requirement has not changed. The Barbados Revenue Authority (BRA) made this announcement yesterday as it sought to clear up confusion about due dates for payments.Property owners still have until the end of Government’s current financial year – March 31, 2020 – to pay their land tax in full, the BRA said.However, if people want to get the five per cent discount granted for early payment, they will have to pay the bill by August 31, unless they are among the group who qualify and have chosen to pay in instalments. (MWN)

BANKER STRICT RULES FOR LENDING:Commercial banks are not about to start lending money willy-nilly, despite calls for them to free up some of the $9 billion in deposits to help stimulate economic activity. The Barbados Bankers’ Association president Donna Wellington said banks were prepared to lend money for productive purposes and were doing so. “It’s well understood out there that banks may be a little . . . harder on people in terms of the stringent nature of our lending practices, but our regulators require us to be stringent,” the senior banker stressed.

Barbados Co-operative & Credit Union League Ltd general manager Anthony Pilgrim said some customers were shifting away from the banking sector “to finance companies that are offering better rates of return on deposits”. (MWN)

MASSY RECORDS SMALLER PROFITS IN SOME CARIBBEAN MARKETS:For the third straight quarter of the current financial year the Trinidad & Tobago-based conglomerate Massy Holdings Ltd has recorded a decline in the Barbados market. In his statement for the quarter ending June 30, 2019, which was recently posted, Chairman Robert Bermudez reported that year-to-date profit before tax from Barbados declined two per cent, due mainly to economic challenges. “While year-to-date profit before tax from Trinidad and Tobago and Barbados declined by three per cent and two per cent respectively, significant improvements were achieved from Guyana and Colombia, with gains of 16 per cent and 30 per cent, respectively,” he said. “The integrated business unit profit before tax declined by seven per cent with economic challenges faced by the retail business in Trinidad and the distribution business in Barbados in particular,” he said. There was also an eight per cent decline in St Lucia and St Vincent, which Bermudez said would “regularize itself by year end”. The statement reviewing the period showed that positive contributions came from the financial services line of business, with year-to-date profit before tax increasing by ten per cent. The chairman reported that the group’s third party revenue of $9.1 billion was one per cent below the revenue for the prior year.

“Group profit before tax of $642 million is however, 5.5 per cent higher than the profit before tax in quarter three prior year. Group profit after tax increased by 6.7 per cent from $390 million to $416 million and earnings per share improved by 6.4 per cent from $3.61 in prior year to $3.84,” he reported. He said in the coming financial year the company would execute on identified opportunities to improve efficiencies, effectiveness and user experience through automation, process standardization and the centralization of some activities. “The Group is proceeding with its plans to give greater autonomy and focus to its larger business units to pursue growth and performance improvements, and we expect this to be in place to start the new financial year,” said Bermudez. He said in the short term the group’s growth was likely to come from stronger profit and loss management of its larger business units, cost and efficiency initiatives and its operations in the growing economies of Guyana, Colombia and Jamaica. During the second quarter ending March 31, 2019, the company had reported moderate declines. And in the first quarter, which ended December 31, 2018, it also reported a decline in the Barbados market, which it said was due to reduced consumer spending.(BT)

EASE US: A senior insurance official is calling on Government to provide an ease to the industry so they can significantly boost investments and expand opportunities in Barbados and beyond. Edward Clarke, Executive Vice President and General Manager of Sagicor Life Inc.’s Barbados operations suggested financial institutions are currently very limited. Speaking during the Central Bank’s panel discussion on the 2018 Financial Stability Report, Clarke reported that both general and life insurance companies have been struggling over the last few years to accumulate profits and have started lowering their rates to attract larger portions of the local market. “We have seen years of constant contraction and you had to deal with things a lot differently than in the past,” said Clarke, while pleading for opportunities to “spread the risk on the investment side”. Currently, regulations allow equity, real estate, mortgages and investment grade bonds to be registered in their investment fund.  However, the downgrade of Barbados’ Government bonds below investment grade has even further restricted investment opportunities along with foreign exchange limitations due to its scarcity. “In the past most companies, banks, insurance companies and financial institutions were allowed to invest in foreign investments, albeit a small percentage. That dried up for a number of years and we are hoping that would reopen since things seem to be on the way up, it is essential that we spread our risks and investment portfolio,” said Clarke, while pleading for a change in the current regulation of statutory funds. “The way that there are currently structured is very risk averse and you are basically forced into buying government paper and instruments in Barbados. They have dried up as we all know and so the industry long-term has got to find alternative channels for investment including developmental projects and long-term infrastructure type projects.” According to Clarke, insurance companies had already started to explore new development opportunities with the Financial Services Commission to find a compromise that would facilitate local investment in new projects, which he believes would bring future growth to Barbadians. “The funds that we have, we need a channel to invest these funds in, because there’s no more Government paper. That was the easy way and that was the way used to force us into investing in Government paper, but now that that is not there we need to work with our client base and find alternative channels to invest our funds,” said Clarke. In a brief interview with Barbados TODAY after the panel discussion, Clarke explained his appeal extended beyond overseas projects, noting that insurance companies should also be allowed to invest in long-term local projects. “Whether that is a medical complex or a retirement home or renewable energy projects and things for the development of Barbados long-term, that will provide a viable return for the policyholders as well,” said Clarke.(BT)

WATCHING AND WAITING: With Government’s gaze fixed on addressing this country’s squatting problem at Rock Hall, St Philip, squatters in Bellevue, Waterford, say they are keen to hear what solutions the Mia Mottleyadministration has for them. Last week Government announced plans to relocate squatters at Rock Hall, citing the proximity to the Grantley Adams International Airport as well as the fact that the land was once a landfill and could therefore pose some health risk. However, residents at Bellevue told Barbados TODAY that they feel as if they are in the same boat as their counterparts in Rock Hall. They too have established a squatters’ community in that area, designated a critical water zone for the island. Kiki Lomore, who has lived in the community for the last ten years, said that the squatters at Bellevue are on edge. She pointed out that like her, many of the residents are in this position because they simply had nowhere to turn and it would be unfair to revert them to that position. Lomore explained that she and her children were homeless when she decided to make a go of it at Bellevue.“I went to the Government trying to find somewhere to live and they told me that they had starter homes, but they were rather expensive and every time they were giving me the runaround. I had to look for some place for my children. I am not going to stay on the streets with my children because at one point I was on the streets with my kids and that simply was not going to work,” she said, adding that many of the residents had since improved their lots in life and were willing to pay for the land. She added, “The Government needs to help poor people, you can’t just help the people that up there [Rock Hall] because poor people need help too. People have already been asking about paying for the land but we still are getting the runaround about it all the time, but we are willing to pay for it.” Bar owner Carlos Watson who has been living in the area for 11 years, also expressed similar concerns, making it clear that generations were raised in the community and persons were willing to have frank and fair discussions with Government about the next step. “After seeing what is going on at Rock Hall people are a little anxious because we have people that have been living here for over 40 years. Many persons have been trying to help themselves and trying to get their own little piece of the rock. As long as Government isn’t trying to just force anything on us and willing to discuss the way forward, we are ready to sit down and come up with something that is best for everybody,” he said.In addition to the fears of being relocated, residents told Barbados TODAY that they feel as though they have for a long time been the forgotten people. They complained that they are unable to get water connections to their homes and have to rely on fetching water from the standpipe. They also revealed that they are battling with a rodent infestation but have been unable to get help from the Ministry of Health to address the problem. Residents also accused the authorities of treating squatters as if they were sub-human. “Our biggest issue is getting running water, we don’t have running water and we have to go the standpipe to bring back water all of the time. They say that down here is a watershed zone but yet the people just behind us have running water but yet we down here can’t get running water. We also have a lot of rats about the place and no matter how much times you call, the inspectors are not coming through to look at the situation. They forget us down in here, they don’t even study us down in here,” Lomore lamented.(BT)

BOSTIC PROMISES SWIFT ACTION AT ST PHILIP HOSPITAL:Nurses at the St Philip District Hospital are being assured that their concerns about poor working and environmental conditions have not fallen on deaf ears. Minister of Health Lieutenant Colonel Jeffrey Bostic this morning told Barbados TODAYhe has been fully apprised of the nurses’ concerns and plans to treat the matter with the utmost priority, even if it means diverting funds from other areas of his Ministry. “The district hospitals are in very bad condition, there is no doubt about it; and when I was informed on Friday about the situation at St Philip [District Hospital], I stopped whatever I was doing and I paid a visit to the facility and I did another visit with the Principal Nursing Officer and she outlined to me the areas of concern coming from staff. I cannot deny that there are issues there that need to be dealt with urgently,” said Bostic, who noted that the district hospitals across the island were in dire need of upgrade but that was an undertaking that was too great for the public coffers to bear alone. “So, first of all, we have to do some security upgrades and there are some other issues that we are dealing with and we will have to divert some funds from elsewhere within the Ministry to be able to deal with them. All of the district hospitals have issues and we have been trying to solicit some assistance from the private sector because we do not have all of the finances,” the Minister stressed. Barbados TODAY on Monday reported that mould in the building had resulted in some staff members suffering with respiratory illnesses, prompting them to call on Government to step in and take urgent action. Some workers complained that the situation has been ongoing for several years and has now come to a head, as they warned that the staff is ready to take “stern action” if a solution is not found soon. A recent test showed the presence of a fungal pathogen, acremonium (Cephalosporin) species, verticillium, scopulariopsis, paecilomyces, aspergillus, and penicillin species. Minister Bostic placed the blame for the poor state of the building on previous administrations, which he accused of failing to maintain the aging facilities, leaving his Ministry with a major headache in trying financial times. “From the time I became Minister of Health I recognized that our primary care facilities, meaning the polyclinics and district hospitals, did not get the level of attention that they deserved – especially the district hospitals, because they are old facilities,” he contended. “In terms of maintenance, there were a lot of issues that we identified and we have started to work on as many as we could under the financial constraints that we have.” Apart from the structural issues, nurses have complained of severe staff shortages, telling Barbados TODAY that their ability to properly care for patients was being severely hampered by lack of manpower and equipment. It was further revealed that, due to the workload, nurses have been consistently suffering muscular skeletal injuries; and that the nurse to patient ratio was significantly less than the standards set by the World Health Organization. However, Bostic gave the assurance that this problem, which is symptomatic of the island’s chronic nursing shortage, should be addressed when Government completes its recruitment of nurses from Ghana. “We acknowledge that we have a nursing shortage and we have to address that issue. The team is getting ready to go off to Ghana. Apart from that, there are some additional posts that we have to request through the Ministry of the Public Service. We must understand, however, that we are in an IMF programme, so there are going to be some constraints,” the Health Minister said.(BT)

REBUKE FOR PROSCUTORS:Fed up with the number of old cases that have no files, a Bridgetown magistrate yesterday chastised the prosecution as he urged lawmen and investigators to think about those who have been waiting for years to have their matters heard. “We have got to set standards. We have got to,” Magistrate Douglas Frederick declared in the District “A” Magistrates’ Court.He made the comments as he dismissed at least three cases, one dating back to 2012.At one point the magistrate noted it appeared that senior members of the Royal Barbados Police Force to whom, said one prosecutor, they had been appealing, were “not paying you all any mind. They are just sending you all out there”.(MWN)

‘HALF-BAKED’ CASES DISMISSED:There was no mincing of words by Magistrate Douglas Frederick today as he took the prosecutor’s desk to task for failing to have the necessary disclosure to move several dated cases forward. “This is not acceptable . . . this is a serious thing,” Frederick said as he was forced to dismiss three cases in the No. 1 District ‘A’ Magistrates’ Court. Julian Roland Holder, of Roberts Gap, Halls Road, St Michael and Junior Christopher Lowe, of no fixed place of abode, walked out of the court free of a burglary charge. The two were 39 and 38 years old respectively when they were charged with entering the house of Angela Bryan as trespassers on October 22, 2012 and stealing a number of items worth $1,655.75. Lowe was separately accused of having a screwdriver and ski mask, articles for use in connection with theft on the same day. The prosecutor requested an adjournment in the case. Accused Lowe addressed the court telling the magistrate that the case against him was almost seven years old and it “doesn’t seem that they have a file”. Holder meanwhile said the matter was taking too long. It was at that time the magistrate questioned why the prosecution was seeking another adjournment and the response was that they were not in possession of a file. “This is not acceptable. This is a matter from 2012. I am sure that this person [complainant] will be aggrieved. This is breaking and entering . . . it is alleged that Lowe had a ski mask and screwdriver,” the frustrated magistrate stated as he dismissed the matter for want of prosecution. Moments later he had to go the same route on a charge levelled against Shaneka Crystal Kyesha Nicholls, of Rose Hill, Kendal Hill, Christ Church. She was 24 years and had been on $5,000 bail, charged with wounding Renita Blackett on April 9, 2016 with intent to maim, disfigure or disable her or to do some serious bodily harm to her. In that case, the prosecution told the magistrate that the file had not yet been completed and gave the assurance that it would be “sorted” in a month. “This is a serious thing,” said the magistrate who went on to say that such a hold up was impacting all parties concerned. “You have to tell the investigators this. They are working, getting a salary,” Frederick said. Nicholls then informed Frederick that on the last sitting he had given a final adjournment on the matter. “They had ample time to do what they had to do. I was here long enough,” the accused stated. Frederick responded: “I had written final adjournment on it and he is asking me not to be a man of my word. “That’s the second time they did this for the day bringing half-baked things,” he added as he made reference to matter against Bertam Fabian Quintyne, of Manns Gap, Passage Road, St Michael which was dismissed earlier in the day. Quintyne had been accused of causing serious bodily harm to Terry Welch on August 3, 2015 with intent to maim, disfigure or disable him or to do some serious bodily harm to him. “They have to set a standard,” Magistrate Frederick stated.(BT)

HOMEOWNER DECEIVED AND ROBBED: Posing as a good Samaritan, an 18-year-old and her accomplice forced their way into the home of a Christ Church man and made away with $400 cash on April 25, 2019. Today, Destiny Malika Tori Johnson, of No. 5 Birch Path, Regent Hill, the Pine, St Michael appeared before Magistrate Douglas Frederick and pleaded guilty to entering the home of Milton Graham Tucker as a trespasser and stealing the money. Sergeant Edwin Pinder said the first time offender and a male accomplice went to the complainant’s house under the pretense of bringing him food. After they were able to convince him to open his door they barged into the house, searched it and took the money and escaped. A presentencing report has been ordered on Johnson. She was granted bail in the sum of $2,500 which she secured with one surety. She has been ordered to return to the District ‘A’ Magistrates’ Court on October 24. Johnson must also appear before the District ‘A’ Traffic Court tomorrow to answer five offences. She is charged with driving motorcar M1152 along Alkins Road on August 16 around 6:06 p.m. and not complying with a stop sign. It is further alleged that she drove the vehicle without the consent of the owner, without a driver’s licence and insurance and did so using fraudulent number plates. The accused is also charged with using the motorcar on the same road and failing to stop when the vehicle was involved in an accident. (BT)

MAN PLEADS GUILTY TO ASSAULT: A man who admitted assaulting a woman in December 2017 wants to know why the matter took so long to reach the law courts. Dwayne Ricardo Elliott, of Flagstaff Road, St Michael today pleaded guilty to committing the act against Kibibi Greenidge on December 8, occasioning her actual bodily harm. In his defence, the 33-year-old told Magistrate Douglas Frederick “the woman is a naggy woman. A naggy, naggy woman,” who was not “even my girlfriend”. Elliot said on the day of the incident he was at the van stand when Greenidge started telling him about another woman. He said he heard what she had to say and as he tried to walk off she grabbed onto his shirt. “I don’t let nobody treat me so, so I turn round and push she off  . . . and she fall. I push she off me because she grabble me,” Elliott said. He then said, “That happen since 2017 and I now getting charge?”

Magistrate Frederick acknowledged that was a valid question. However, the prosecutor was unable to give an explanation at the time. From the police report the court heard that the two were involved in an intimate relationship for about a year. However the complainant put an end to the relationship because of verbal, physical and psychological abuse as well as the discovery that Elliot was involved with another female. According to the report Greenidge was walking along River Road that Friday in December when she realised the accused was following her. Elliot asked to speak with her and she agreed but the accused subsequently became aggressive and cuffed her in the chest. The matter was reported to the police. The magistrate adjourned the case until September 6 when the complainant is to appear in the District ‘A’ Magistrates’ Court. Elliot who was granted $2,500 bail has been warned to stay away from Greenidge. (BT)

JAMAICAN WOMAN FACING DRUG CHARGES: Earlier today, officers of the Drug Squad charged 22-year-old Shanice Sherika Smith, of Wales District, New Port P.O, Mandeville, Manchester, Jamaica in connection with several drug related offences. Smith was charged with possession of cannabis, possession of cannabis with intent to supply, trafficking cannabis and importation of cannabis. During a routine check of luggage at the Grantley Adams International Airport yesterday, the police canine unit indicated the presence of narcotics in a suitcase on board a Caribbean Airlines flight from Kingston, Jamaica. A subsequent investigation found that Smith was the owner of the suitcase. A search of her suitcase was conducted and four transparent vacuum sealed packages, each containing vegetable matter suspected to be cannabis, were discovered in a false compartment. As a result she was arrested and charged. The weight of the suspected cannabis was four pounds with an estimated street value of $16 000. Smith appeared before Magistrate Laurie-Anne Smith-Bovell at the District ‘B’ magistrates court today, where she pleaded guilty to all four offences.  She was fined $10 000 or 18 months in prison on the trafficking charge, and was given a conviction reprimand and discharge on the other three offenses. The fine was not paid and she was remanded to HMP Dodds. (MWN)

BROTHER IN DARK OVER SIS DEATH: Ashton Elcock says he does not know much about what happened to his sister Natalie Crichlow, the 44-year-old British visitor who died under mysterious circumstances after being badly burnt late last month. Crichlow, who was visiting from London, was found at her brother’s home at Bartlett’s Tenantry, Sargeant’s Village, Christ Church, on July 29.(MWN)

GORDON’S FAREWELL – A lifetime of potential “snuffed away” by drugs. This was how relatives remembered their “loving, smart and witty” street character, Gordon Best moments before he was laid to rest. During an hour-long funeral service at the Abundant Life Assembly, dozens listened to touching tributes in honour of a vagrant who captured the attention of many in Bridgetown, but whose life’s story was mostly a mystery. Throughout the celebration of Gordon’s life, the mood was quietly reflective and tears flowed freely during a touching tribute from his daughter, Renae Burnham and the eulogy by his nephew Trevor Best. Mourners peered curiously at Gordon’s well-groomed and clean-cut appearance, as he lay peaceful in his casket. While this appearance differed from that of the vagrant Barbadians knew, he closely resembled the man family members knew in his youth.(BT)

LEGENDS INCLUDED IN GARNER’S PLAN – Former Barbados Cricket Association (BCA) president Joel Garner says it is a matter of regret that priceless assets like the legends of Barbados have not been consulted on the formulation of the association’s new five-year development plan. But it is an oversight that Garner, who is a candidate for the BCA presidency at its elections next week, intends to rectify if he is restored to the top cricket post. “There were no consultations on the BCA’s Cricket Development Plan 2019-2024 between the organisation and the public, interest groups, umpires, and the group of gentlemen that has the most cricket knowledge within the region, namely Cricket Legends of Barbados,” Garner pointed out. The fast bowling legend noted that on the website, the headline says only that the BCA invites comments on the plan “and then proceeds to use the Mission Statement and Vision Statement with sub-headings”.(MWN)

NECKLES EAGER TO SPUR YOUNG SWIMMERS: World triple crown masters backstroke champion Nicky Neckles is hoping to inspire a next generation of swimmers to even greater success on the world stage. That was the word from Barbados’ most decorated male swimmer after he returned from South Korea yesterday following his outstanding performances at the FINA World Masters Championships where he snatched the crowns and records in the 200, 100 and 50 metres backstroke.Not even over 15 hours of flying could erase the broad smile on Neckles’ face when he exited the arrivals hall to be mobbed by members of the swimming fraternity holding a banner outlining his victories and record times and waving Barbados Flags. Among the group was former Olympic bronze medallist Obadele Thompson, president of the Barbados Aquatic Sports Association, Tony Selby, former world masters champion Angus Edghill, Chris Gibbs and dad Trevor Neckles.  (MWN)

KING ADVANCES TO SECOND ROUND OF QUALIFYING AT US OPEN:Darian King advanced to the second round of qualifying at this year’s US Open. Barbados’ best tennis player easily defeated Tunisian Malek Jaziri in straight sets, 6-2,6-4 earlier today at the USTA Billie Jean King Tennis Centre in Flushing Meadows, New York City. The 27-year-old baseliner had a great start leading 3-1 in the first set before winning 6-2. The Bajan King of Swing then finished his opponent off in an hour and 20 minutes, securing the match point on his serve in the second set. King will now face Spaniard Adrian Menendez-Maceiras on Thursday.(MWN)

MCGRATH: ‘ARCHER IS SPECIAL’: Australian fast-bowling great Glenn McGrath has described England speedster Jofra Acher as “something special” and has suggested that British fans should be happy to have him in their international line-up. McGrath, who took 563 wickets in a glittering 124-Test career, said he had been a big supporter of Archer for a long time and loved what he saw of the Barbados-born fast-bowler. “It’s quite rare to be able to bowl with pace and accuracy for such a long time. To have pace is so unique and with Archer, it is all natural. His action doesn’t look too stressful, he has a nice, smooth run-up and goes through the crease really well. It’s a fairly stress-free action and he’s young and fit. He keeps it simple: he just comes in, bowls good areas and with good pace. “At Lord’s he bowled some quite lengthy spells, but he maintained his pace throughout his overs. That is a brilliant sign that he can bowl long spells at top pace then come back and bowl second and third spells no problem at all. With a guy with his action and technique, I don’t see any reason why he can’t play plenty of Tests. It’s just experience that he needs and he will be fine,” McGrath said. McGrath, who is writing a column for the BBC during the Ashes series, said that because Archer was such a natural, fast bowling came quite easy to him. He said that accuracy was always going to be nearly second nature for the 24-year-old.“Archer hit 96mph at one point in the Lord’s Test – it is quite rare to see a guy bowling that pace and it has a positive effect on the bowler at the other end. I bowled in tandem with Brett Lee, who produced some fast, fiery spells. When you’ve got someone bowling up above 90mph, it has a fear factor that not many people really enjoy. “If you’ve got a guy bowling that pace and then you’re keeping it tight at the other end, you can really work in partnership and build pressure, because the batsmen have no scoring options,” he explained.(BT)

That’s all for today folks there are 133 days left in the year Shalom! #thechasefiles #dailynewscaps Follow us on Twitter, Facebook & Instagram for your daily news. #bajannewscaps #newsca psbystephaniefchase

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Headlines

The Other Way Covid Will Kill: Hunger (NYT) Long before the pandemic swept into her village in the rugged southeast of Afghanistan, Halima Bibi knew the gnawing fear of hunger. It was an omnipresent force, an unrelenting source of anxiety as she struggled to nourish her four children. Her husband earned about $5 a day, hauling produce by wheelbarrow from a local market to surrounding homes. Most days, he brought home a loaf of bread, potatoes and beans for an evening meal. But when the coronavirus arrived in March, taking the lives of her neighbors and shutting down the market, her husband’s earnings plunged to about $1 a day. Most evenings, he brought home only bread. Some nights, he returned with nothing. “We hear our children screaming in hunger, but there is nothing that we can do,” said Ms. Bibi, speaking in Pashto by telephone from a hospital in the capital city of Kabul, where her 6-year-old daughter was being treated for severe malnutrition. “That is not just our situation, but the reality for most of the families where we live.” It is increasingly the reality for hundreds of millions of people around the planet. As the global economy absorbs the most punishing reversal of fortunes since the Great Depression, hunger is on the rise. Those confronting potentially life-threatening levels of so-called food insecurity in the developing world are expected to nearly double this year to 265 million, according to the United Nations World Food Program.

Farmworkers face coronavirus disaster (Politico) Within days of the coronavirus pandemic taking hold, the Trump administration had to confront a reality it had long tried to ignore: The nation’s 2.5 million farmworkers, about half of whom the government estimates are undocumented, are absolutely critical to keeping the food system working. It was a major shift for a president who continues to reduce any debate about immigration to stoking fears about border defense and crime. But the Trump administration and Congress have done little to help keep farmworkers safe on the job. Six months into the pandemic, according to a POLITICO analysis, these workers appear to be victims of the worst of the Covid-19 crisis. For several weeks, many of the places that grow the nation’s fruits and vegetables have seen disproportionately high rates of coronavirus cases—a national trend that, as harvest season advances in many states, threatens already vulnerable farmworkers, their communities and the places they work. From Oregon to North Carolina, counties with the highest per capita rates of coronavirus are some of the top producers of crops like lettuce, sweet potatoes and apples. In California, six out of seven of the state’s most Covid-ridden counties, per capita, are in the Central Valley, which produces the lion’s share of America’s fruits and vegetables.

What’s next? Devastating fires are latest challenge in West (AP) The path of devastation spans thousands of miles where flames have consumed people, homes and cars while leaving a barren, gray landscape. But the massive wildfires aren’t done chewing through the West, shrouding the skies with choking smoke or driving residents from their homes. It’s an ominous harbinger of fall for the region that was the first to be hit hard by the coronavirus and where the cries for social justice have rung especially loud this summer with protests in Portland for more than 100 days. “What’s next?” asked Danielle Oliver, who had to flee her home southeast of Portland ahead of the deadly flames. “You have the protests, coronavirus pandemic, now the wildfires. What else can go wrong?” She’s one of tens of thousands of people displaced by wildfires in Oregon, California and Washington state. Many more are living with air contamination levels at historic highs. The region’s death toll has topped 30 and could increase sharply, with Oregon officials saying they are preparing for a possible “mass casualty event” if more bodies are found in the ash.

Teacher departures leave schools scrambling for substitutes (AP) With many teachers opting out of returning to the classroom because of the coronavirus, schools around the U.S. are scrambling to find replacements and in some places lowering certification requirements to help get substitutes in the door. Several states have seen surges in educators filing for retirement or taking leaves of absence. The departures are straining staff in places that were dealing with shortages of teachers and substitutes even before the pandemic created an education crisis. Among those leaving is Kay Orzechowicz, an English teacher at northwest Indiana’s Griffith High School, who at 57 had hoped to teach for a few more years. But she felt her school’s leadership was not fully committed to ensuring proper social distancing and worried that not enough safety equipment would be provided for students and teachers. Add the technology requirements and the pressure to record classes on video, and Orzechowicz said it “just wasn’t what I signed up for when I became a teacher.”

Paulette rolls toward Bermuda; Sally threatens Gulf Coast (AP) Residents of Bermuda were urged to prepare to protect life and property ahead of Hurricane Paulette, which was forecast to become a dangerous hurricane Sunday as Tropical Storm Sally intensified in the Gulf of Mexico. Paulette gained hurricane status late Saturday and was expected to bring storm surge, coastal flooding and high winds to Bermuda, according to a U.S. National Hurricane Center advisory. A hurricane warning for Sally was issued Sunday morning from Grand Isle, Louisiana, to Ocean Springs, Mississippi, and included metropolitan New Orleans. A storm surge warning and a tropical storm warning were also in effect for parts of the Gulf Coast. A slow moving storm, Sally could produce rain totals up to 20 inches (51 centimeters) by the middle of the week, forecasters said.

As Both Sides Dig In, What’s the Endgame for Belarus? (NYT) After more than a month of protests in Belarus, there is still no clear endgame in sight for either side, with Mr. Lukashenko and his foes both insisting they can prevail but neither offering a clear and plausible path to victory—other than continued peaceful defiance by protesters and relentless repression by the government. One way to break the stalemate that all sides, including Russia, say they could support would be constitutional changes to pave the way for new elections. But Mr. Lukashenko, having declared in August that “until you kill me, there will not be any more elections,” has shown no real interest in changing anything any time soon. He refuses to even talk with his foes, denouncing them as treasonous “rats” and “tricksters” who belong in jail, not at the negotiating table. Instead, he has focused on rounding up workers who organized strikes and methodically dismantling the opposition, whose most prominent figures have, one by one, been forced to flee abroad or been thrown in jail. Protesters have defied expectations by turning out in huge numbers each Sunday for the past four weeks despite government threats, a feat they hope to repeat this weekend. But Mr. Lukashenko, emboldened by Russian support, has only grown more insistent that he is not going anywhere.

France Daily Coronavirus Cases Top 10,000, Most Since Lockdown (Bloomberg) France reported more than 10,000 new coronavirus cases on Saturday, the largest daily increase since the end of the country’s lockdown in May, a day after Prime Minister Jean Castex warned of a “clear worsening” in the spread of the virus. The French government is trying to avoid another national lockdown, and people will have to live with the virus and be vigilant about sticking to precautions, Castex said in a speech Friday. With cases also spiking in neighboring countries, including Germany, Spain and the U.K., Western Europe has reemerged as a global hotspot for infections.

Fed-up Lesbos islanders, migrants stuck waiting for Europe to decide (Reuters) Crisis-weary residents of the Greek island of Lesbos and the thousands of migrants stranded there after this week’s refugee centre fire are united by one thing—they all want to see the migrants moved off the island. Lesbos and other islands off the Turkish coast have been among the main entry points for migrants into Europe for years, peaking in 2015-16 when around a million people arrived in a seemingly endless stream of small boats. The overflowing camp that burned held more than 12,000 migrants—four times the numbers it was supposed to—forcing thousands to live in squalor and putting a strain on both its occupants and residents in nearby areas who have mounted a series of protests this year demanding the centre be shut down. But with the European Union unable to reach agreement between countries like Greece and Italy, which want the bloc to share the burden and others refusing to take in refugees, for the moment Lesbos’ 86,000 islanders and migrants remain unwillingly together.

Ageing and empty: Japan next premier’s hometown highlights challenges ahead (Reuters) It’s noon on a warm day in the Japanese town where Yoshihide Suga, Japan’s next prime minister, grew up, but more than half the stores in a downtown shopping arcade are shuttered and sidewalks stretch empty except for the rare elderly passerby. A building proclaiming “I Love Yuzawa” stands abandoned. A giant department store nearby hulks over the street, mostly unusable because it doesn’t meet earthquake safety standards but too expensive to tear down. The remote part of Yuzawa where Suga grew up, 480 km (300 miles) northeast of Tokyo, captures key challenges his administration will face: half the residents in the area are over 60. Depopulation and ageing have meant a dramatic fall in tax revenue, pushing the town’s government, reliant on support from Tokyo, to consider merging with other towns in Akita prefecture. “Japan is the world’s fastest-aging nation, Akita the fastest-aging prefecture and Yuzawa one of the worst in Akita,” said town employee Toru Abe, noting that close to 40% of all Yuzawa residents are over 65, compared to 28% for the nation.

Scores arrested at protests in Australia’s coronavirus hotspot (Reuters) Police in Australia’s Victoria state arrested 74 people and fined 176 for breaching public health orders as scattered protests against a weeks-long coronavirus lockdown continued for a second straight day across Melbourne. A riot squad marched through fruit and vegetable stalls at the city’s landmark, the Queen Victoria market, before the scuffling with protesters erupted, with some people throwing fruit at the police, television footage showed. The protests came after 14 people were arrested at small dispersed rallies on Saturday and as Victoria is set to ease its lockdown restrictions very slightly as of Monday, as the number of new daily coronavirus cases continued to fall in the country’s hotspot.

Israel to set new nationwide lockdown as virus cases surge (AP) Israeli Prime Minister Benjamin Netanyahu on Sunday announced a new countrywide lockdown will be imposed amid a stubborn surge in coronavirus cases, with schools and parts of the economy expected to shut down in a bid to bring down infection rates. Beginning Friday, the start of the Jewish High Holiday season, schools, restaurants, malls and hotels will shut down, among other businesses, and Israelis will face restrictions on movement and on gatherings. The lockdown will remain in place for at least three weeks, at which point officials may relax measures if numbers are seen declining. Israelis typically hold large family gatherings and pack synagogues during the important fast of Yom Kippur later this month, settings that officials feared could trigger new outbreaks.

#headlines #news

[hellofastestnewsfan]

When I worked as a rural mail carrier in the hills of southeastern Kentucky in the early 2000s, my route snaked along the most mountainous parts of the county. I forded creeks and climbed steep dirt roads. Sometimes I’d have to drive for five miles to get to the next house. I delivered everything, including cages full of baby chickens and new sets of tires. I saw the joy that a parcel of books, clothing, or music brought to people. For so many on my route, the United States Postal Service was a lifeline, the way they got their medicine, checks, and much more.

Now Americans all over the country are reporting delays in sending and receiving mail, as Louis DeJoy, the new postmaster general, cuts back on overtime and decommissions mail-sorting machines and collection boxes. During Senate hearings with DeJoy yesterday, Rand Paul, Kentucky’s senator, declared that people living “20 miles down a dirt road” shouldn’t get service more than twice a week, and pushed for fewer postal jobs. He should say that to the people I know whose lives and livelihoods depend on the mail.

In Tennessee, folks tell me that their prescriptions are up to two weeks late. One woman in the coalfields of Virginia told me that her son’s Social Security check was more than three weeks late. Rural Wisconsinites have been fighting the delays. In Montana, the governor got involved to stop the USPS from removing collection boxes.

[Read: What really scares voting experts about the postal service]

At least 21 states have threatened to file federal lawsuits to stop DeJoy, a Donald Trump mega-donor, from changing mail procedures. Recently, DeJoy, who has said that decommissioning machines is a “normal process,” indicated that he would delay any changes until after the election. In his testimony before the Senate yesterday, DeJoy said he believed in the efficiency of mail-in voting and was committed to adopting procedures that “advance election mail, in some cases ahead of first-class mail.” These are small victories. However, I can’t stop thinking about the broader implications of DeJoy’s actions, as well as Trump’s recent threats of withholding additional funding from the USPS. Trump has made no secret of his disdain for cities and, in particular, the urban poor, who are disproportionately people of color. He embraces rural areas, where some of his most fervent defenders live. But time and time again, he and his administration show that they don’t care about the people who live here.

I saw the best and worst of people along my mail route. Some of my customers left me treats on their porch—tomatoes plucked from their garden, still warm from the sun. On the hottest days, one lady watched for me to come so she could give me an ice-cold glass of Kool-Aid. More than once, people along the route banded together to push me out of a ditch I had slid into because of icy winter roads. The job wasn’t always idyllic. Young pranksters posed a dead copperhead in a mailbox. They hid—badly—behind a clutch of beech trees so they could hear me let loose a string of expletives when I opened the lid. Once, to sign a registered letter, a drunken man came out onto his porch clad in absolutely nothing except a pair of red cowboy boots. Guns were pulled on me twice: once by a man under mental duress and another time because I snuck into a cornfield for a restroom break not realizing that it was also a pot patch.

The customers I got to know best were older and lived on the most remote sections of the route. Once a month, I stopped at one woman’s house to write out payments for her bills on the money orders that all carriers had with them. Palsy had rendered her own handwriting unreadable. “I don’t trust banks,” she often said. A retired coal miner, struggling with black-lung disease, waited at the mailbox for his prescriptions. And many people who had worked hard their entire life couldn’t go to the grocery store until their Social Security checks arrived in the mail.

Republican critiques of the post office are nothing new.  They’ve lobbied to defund and privatize it for decades now, demanding that it be profitable even though it is not a business, but a government service—its existence authorized by Article I of the Constitution. In 2006, George W. Bush and the Republican-led Congress landed a devastating blow to the USPS when they pushed through the Postal Accountability and Enhancement Act, which required the agency to pre-fund retiree benefits.

[Winifred Gallagher: Trump Is hobbling the mail the old-fashioned way]

However, never before has the USPS been under such blatant attack. President Trump, who called the Postal Service a “joke,” has even admitted his ulterior motives: He wants to slow the mail not only by withholding additional funding but also by encouraging Americans to not trust mail carriers with their ballots. In an interview with Fox Business, he admitted that he was not giving in to Democrats’ demands for further USPS funding in the latest COVID-19 relief bill, because withholding it would help him suppress mail-in voting. “Now, if we don’t make a deal, that means they don’t get the money,” he said. “That means they can’t have universal mail-in voting; they just can’t have it.” He has long made the unproven claim that mail-in voting leads to widespread voter fraud, which many of his supporters echo.

A study by the American Academy of Political and Social Science found that more than 63 percent of voters in small towns and nonmetropolitan areas supported Trump in the 2016 presidential election, and that his largest vote shares came from the most rural areas. Yet the large majority of his economic and tax policies have benefited wealthy people and their communities instead of those living with higher poverty levels in less populated areas.  

Trump’s budget for 2021 alone is a testament to the way he feels about small towns and rural areas, where people of all demographics live (the notion that only poor, straight  white people live in these areas is wrong). He has targeted housing programs and community-improvement plans pivotal to revitalizing the area. The budget includes cuts to crop, livestock, and conservation programs—all of which would greatly affect the rural economy—as well as slashes to support for rural transportation and infrastructure and to funding that would expand broadband access. Trump’s war on the environment directly ravages rural areas, where the largest swaths of natural land and wild waterways still exist. He has also reduced funding for flood-prevention programs despite the widespread increase of flooding in rural areas, which contain most of America’s farmland. Much to my dismay, this seems to have changed few minds in the region.

This past Sunday, I drove my old mail route. All these years later, I still remembered every curve, every rise and fall. It’s changed very little in the past couple of decades, except for a few more houses and a couple of places where the road has been widened. The drive was beautiful, with glimpses of the dark-green waters of the Laurel River, kudzu that crept down the cliffs and overtook the shoulders of the road, and wide meadows bobbing with black-eyed Susans. Brick houses sat side by side with trailers, most of the homes surrounded by meticulously mowed yards with swing sets, inflatable swimming pools, and gardens bursting with tomatoes and beans. In many of the yards, I also saw flags or signs proclaiming devotion to Trump, and not one in support of his opponent.

from The Atlantic https://ift.tt/3glZck4

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[lariosrbacreejw68insurance-blog]

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SOURCES:

And this is from England.

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And this is from England.

[thisdaynews]

Trump resort revenue has gone up after presidential visits

New Post has been published on https://thebiafrastar.com/trump-resort-revenue-has-gone-up-after-presidential-visits/

Trump resort revenue has gone up after presidential visits

President Donald Trump meets members of Bikers for Trump and other supporters outside the clubhouse of Trump National Golf Club in Bedminster, N.J., on Aug. 11, 2018. | Carolyn Kaster/AP Photo

white house

Trump is staying at his luxury resort on Ireland’s west coast this week.

Donald Trump is on a global tour of his own businesses — and it’s putting more money in his bank account.

On Wednesday, the president traveled to his luxury resort on Ireland’s west coast for a visit that will bring world-wide publicity and increased security to the location, and, if past trends hold, more revenue.

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Revenue increased in 2018 at many of the Trump developments that he visited that year, according to Trump’s most recent personal financial disclosure forms.

There’s Trump International Hotel in Washington, D.C., where he dines on steak dinners; Trump National Golf Club in Virginia, where he spends his weekends; and Trump National Golf Club in New Jersey, where he vacations over the summer. And revenue increased by $3.1 million at Trump Turnberry, the resort on the Scottish coast he visited in July 2018, according to the documents.

It’s difficult to know the exact reason for the boost — and increased revenue doesn’t always equal an overall profit — but some see a link between Trump’s presence and revenue.

“I’m sure publicity can’t hurt,” said Laurence Hirsh, president of Golf Property Analysts and a former president of the Society of Golf Appraisers. “There’s people that don’t like him that would go for the novelty of it.”

The trend is especially notable as Trump’s overall income dipped slightly from $450 million in 2017 to $434 million in 2018. At least $47 million of that money came from from 16 properties around the globe, according to the disclosure forms. While not all of the foreign properties reported revenue boosts, six of them — two in Scotland and one each in Ireland, Canada, the United Arab Emirates and the Dominican Republic — collectively brought in more than $6.9 million in additional revenue. The figure includes $3.2 million from the sale of land in the Dominican Republic.

On Wednesday and Thursday, Trump and first lady Melania Trump will stay at Trump International Golf Links in Doonbeg, Ireland — the final leg of a week-long trip to Europe.

Trump considered canceling his trip to Ireland when the Irish prime minister, Leo Varadkar, scoffed at meeting at his golf course, the Irish Times reported in May. The president would have likely traveled to Scotland, where he has two golf courses. Instead, the men two agreed to meet at the Shannon airport.

Trump’s trip to his Irish golf course has once again led to criticisms that Trump is using the presidency to make money for his own business. It marks the second time he has visited one of his properties outside the United States since he was sworn into office.

“U.S. foreign relations should never rise and fall on the financial interests of the president and the ability to promote his own property,” said Noah Bookbinder, executive director of Citizens for Responsibility and Ethics in Washington, which examined his financial disclosures.

The White House and Trump Organization did not respond to requests for comment. After landing in Ireland, Trump told reporters that he was not there to promote his resort.

“I’m staying here overnight, and I thought this would be the best place. I’d love to come to Ireland and stay at Doonbeg,” he said. “This trip is really about great relationships that we have with the U.K. And I really wanted to do this stop in Ireland. It was very important to me because of the relationship I have with the people and with your prime minister.”

Trump has long faced ethics criticisms over his decision to not fully separate from his family business, the Trump Organization, after being elected. The president still owns his business but placed his holdings in a trust designed to hold assets for his benefit. He can receive money from the trust at any time.

Several House Democratic committees have demanded Trump release his tax returns to gain more information about his finances, but he and his staff have refused. The Trump Organization, a private company that has more than 500 businesses, does not have to publicly release financial information in the United States.

As president, Trump has visited one of his properties on roughly 250 days, according to a compilation of information released by the White House. He even stopped in Hawaii on his way to Asia in 2017, staying for a few minutes to thank employees for their hard work.

Many of those properties have seen an uptick in revenue. The Trump National Doral golf resort in Florida increased its revenue by around $1.2 million in 2018. Revenue at the Trump International Hotel in Washington — which has become a top destination for Republicans — increased by $400,000. And the Trump National Golf Club in Bedminster, N.J., and the Trump National Golf Club in Virginia saw its revenue go up more than $500,000 each.

The one major exception is Mar-a-Lago, Trump’s now well-known resort in South Florida. Despite doubling its initiation fee to $200,000, the resort’s revenue dropped slightly in 2018, to $22.7 million.

Trump’s properties have been a welcoming oasis for a president who often faces protesters when he travels.

In England this week, tens of thousands of people turned out to oppose Trump’s presence. But in Doonbeg, Trump is being welcomed warmly — not so much as president of the United States but as the largest employer in the village of 754 people.

“As a small country with close ties to the U.S., most Irish people are pragmatic about keeping cordial relations,” said Hugh Linehan, arts and culture editor at the Irish Times. “You can see a turbocharged version of that pragmatism around Doonbeg, where there’s obviously a more direct financial benefit to be gained.”

Trump bought Doonbeg for $11 million in 2014 and proceeded to spend more than $30 million for renovations, according to news reports. In 2018, financial forms show Trump earned $14.5 million at Doonbeg in what he describes as “golf-related revenue,” up about 2 percent from the previous year.

But the rising revenue doesn’t necessarily mean the resort is a big money maker for Trump.

According to documents filed with the Irish government, the resort has still lost millions overall. The discrepancy, some experts say, stems from Trump incorrectly listing his company’s revenue instead of his personal income on his financial disclosure statement. Federal law requires top administration officials to list their personal assets and income.

In honor of Trump’s visit Wednesday, U.S. flags have been erected around the village, which is offering free pony and paddle boat rides, traditional Irish music and dancing on Main Street.

“There have been calls from local politicians to give him a warm welcome because he has done so much for the region,” said Sarah Daniel, an American transplant who lives in Clare, the county where the golf course is located.

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#Foreign #Politics #Presidential #visits

[shirlleycoyle]

Canada Is Getting Sued Over Sidewalk Labs’ ‘Smart City’ In Toronto

Google affiliate Sidewalk Labs’ plan to build a glistening, sensor-laden “smart city” in Toronto has experienced numerous public relations snafus and community-led resistance ever since it became public knowledge in 2017.

Now, the Canadian Civil Liberties Association is suing all three levels of Canadian government—municipal, provincial, and federal—in order to put a stop to the tech giant’s designs.

According to the lawsuit, filed Tuesday in Ontario, the CCLA is seeking court orders that will nullify the agreement between Sidewalk Labs and Waterfront Toronto—the municipal organization tied to the project—and prevent Waterfront Toronto from approving Sidewalk Labs’ yet-to-be-presented master plan.

The CCLA is also seeking a declaration that Waterfront Toronto, the city, the province of Ontario, and the federal government all violated Canadians’ privacy rights under the Canadian Charter of Rights and Freedoms by dint of Waterfront Toronto entering into the project with Sidewalk Labs.

“You can argue that you consent when you put Alexa in your home or connect your electronics to your online accounts,” Michael Bryant, executive director of the CCLA, told me over the phone. “It’s another thing to say you consent when you walk from one block in Toronto to the next.”

Sidewalk Labs’ flashy proposals for the Quayside neighbourhood—pitched as being “built from the internet up”—include heated walkways and retractable “raincoats” that keep people dry, and sensors that collect data on everything from energy usage to pedestrian counts to air quality. According to Bryant, data collection raises the question of whether meaningful consent—required by Canada’s federal privacy law—can ever be obtained from people living under Sidewalk Labs’ pervasive digital gaze. The lawsuit also alleges that constant surveillance will have a chilling effect on people’s right to assemble for legitimate social purposes.

The clearest idea of how all of this data gleaned from individuals simply existing in public will be managed has come from Sidewalk Labs itself, which proposed a civic trust model last year.

When reached for comment about the CCLA lawsuit, Sidewalk Labs reiterated its data trust proposal.

“Sidewalk Labs fully supports a robust and healthy discussion regarding privacy, data ownership and governance. But this debate must be rooted in fact, not fiction and fear mongering. It’s unfortunate that once again the CCLA has chosen to mischaracterize our work and our engagement with the people of Toronto,” spokesperson Keerthana Rang told me in an email. “We look forward to submitting our proposal to Waterfront Toronto and to continuing to work with Torontonians to get this right.”

The CCLA alleges that Waterfront Toronto does not have the authority to be dictating privacy policy, and neither could it outsource this responsibility to Sidewalk Labs. “If the court agrees with us, that will be enough, arguably, for the contracts to be nullified although there will be arguments around what the right remedy for that is,” Bryant said.

A lack of confidence or clarity about how Quayside data would be protected and managed has led to a series of high-profile resignations by privacy advisers tied to both Waterfront Toronto and Sidewalk Labs itself.

Read More: Google Is Still Planning a ‘Smart City’ in Toronto Despite Major Privacy Concerns

In February, the public was largely blindsided—and perturbed—by Toronto Star reporting based on internal Sidewalk Labs documents that indicated the company had designs on lands beyond the 12-acre Quayside plot that are the focus of the project. Sidewalk Labs also wanted a cut of property taxes and development fees, which would normally go to the city.

All of these developments have led to a groundswell of community opposition to the project. A citizen-led campaign called #Blocksidewalk jumped into the fray in February, and will hold its first public meeting on Wednesday evening in Toronto.

When reached for comment, spokespeople for both Waterfront Toronto and federal Minister of Infrastructure and Communities François Philippe-Champagne—both named in the CCLA’s lawsuit—emphasized that a final proposal for Quayside has not yet been submitted by Sidewalk Labs. “Therefore, none of the claims in the in the CCLA Application can be assessed yet,” Waterfront Toronto said in a statement.

“We take data and privacy concerns seriously and continue to follow this matter closely,” said Lama Khodr, Infrastructure Canada spokesperson, in an email.

Emphasizing the fact that a final proposal has not yet been submitted “intentionally misses the point,” Bryant said, because the CCLA argues that Waterfront Toronto didn’t have the authority to enter into the partnership in the first place, on top of arguably letting Sidewalk Labs take the lead on privacy frameworks.

“The problem is the public’s never going to know—Waterfront Toronto’s never going to know—what the commercial goals of Sidewalk Labs are, because they will hide behind intellectual property rights and revenue models that they won’t want to disclose to the public,” Bryant said.

“And that’s why you don’t ask them to set the rules. We set the rules first.”

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Canada Is Getting Sued Over Sidewalk Labs’ ‘Smart City’ In Toronto syndicated from https://triviaqaweb.wordpress.com/feed/

[sparky7u]

The Incredible, Rage-Inducing Inside Story of America’s Student Debt Machine

The Incredible, Rage-Inducing Inside Story of America’s Student Debt MachineWhy is the nation’s flagship loan forgiveness program failing the people it’s supposed to help?

By Ryann Liebenthal; Photographs by Zach GrossSeptember/October 2018 Issue

Zach Gross

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When Leigh McIlvaine first learned that her student loan debt could be forgiven, she was thrilled. In 2008, at age 27, she’d earned a master’s degree in urban and regional planning from the University of Minnesota. She’d accrued just under $70,000 in debt, though she wasn’t too worried—that’s what it took to invest in her future. But graduating at the height of the recession, she found that the kind of decent-paying public-sector job she’d anticipated pursuing was suddenly closed off by budget and hiring freezes. She landed a gig at a nonprofit in Washington, DC, earning a $46,000 salary. Still, she was happy to live on that amount if it was the cost of doing the work she believed in.

At the time, she paid about $350 each month to stay in a decrepit house with several roommates, more than $100 for utilities, and $60 for her cellphone bill. On top of that, her loan bill averaged about $850 per month. “Rent was hard enough to come up with,” she recalled. Then one day while researching her options, she read about something called the Public Service Loan Forgiveness (PSLF) plan. At the time, Congress had just come up with a couple of options for borrowers with federal loans. They could get on an income-based repayment plan and have their student loans expunged after 25 years. Or, for borrowers working public service jobs—as social workers, nurses, nonprofit employees—there was another possibility: They could have their debt forgiven after making 10 years’ worth of on-time payments.

The PSLF program, backed in the Senate by Ted Kennedy and signed into law by President George W. Bush in 2007, was the first of its kind, and when people talk about “student loan forgiveness,” they’re usually talking about PSLF. It was implemented to address low salaries in public service jobs, where costly degrees are the price of entry but wages often aren’t high enough to pay down debts. A Congressional Budget Office report last year found that public-sector workers with a professional degree or doctorate earn 24 percent less than they would in the private sector. In Massachusetts, a public defender in 2014 made just $40,000, only about $1,000 more than the court’s janitor. Meanwhile, 85 percent of public-interest attorneys in 2015 owed at least $50,000 in federal student loans, according to one study. More than half owed at least $100,000. According to a 2012 study, 65 percent of newly hired nonprofit workers had student debt, and 30 percent owed more than $50,000. In order to keep people working as public defenders, or rural doctors or human rights activists, something had to be done. PSLF was an attempt at a fix.

LEIGH McILVAINE: University of New Mexico (bachelor’s, 2006); University of Minnesota (master’s, 2008); $70,000 owed at graduation; $50,000 paid back so far; $410 paid per month, on average; 12 months of delayed forgiveness because of FedLoan errors; $70,000 still owed today

The program was by no means a handout. Successful PSLF participants, according to one estimate, pay back as much as 91 percent of their original loan amount, so enrollees primarily save on interest. The program’s appeal was that it offered a clear path for people who struggled to pay back loans, or struggled to envision how they would ever pay them off without abandoning public service jobs for higher-paid positions elsewhere. For McIlvaine, who dreamed of working to make cities more livable, PSLF was the only way she could imagine paying off her debt. When she sent in her first payment in the fall of 2009, she felt like she’d put herself on track to get to “a place where the debt would eventually be lifted.”

Several companies, including one called FedLoan Servicing, contracted with the Education Department to handle loan repayment, and until 2012, when the government assigned all PSLF accounts to FedLoan, borrowers had to keep track of their progress toward forgiveness. At the time she began paying into the program, McIlvaine wasn’t too perturbed that there was no official way to confirm her enrollment, no email or letter that said she had been “accepted.” She trusted the Education Department to run the program effectively and followed its parameters, taking care to send in the yearly tax forms that proved her eligibility and always submitting her payments on time.

Everything seemed fine for the first few years—McIlvaine initially made payments through an Education Department website, and then, as the department increasingly outsourced its loans, hers were transferred to a company called MOHELA. But once FedLoan took over, things quickly started to go awry. While FedLoan was sorting out the transfer, her loans were put into forbearance, an option usually reserved for people having difficulty making payments; during a forbearance, any progress toward forgiveness stalls, and loans balloon with interest. Then the company failed to put several of her loans on an income-based plan—so her payments briefly shot up, she says. And when McIlvaine submitted her tax information, she says FedLoan took months to process the paperwork—while she waited, the company again put her into what it called “administrative forbearance,” so none of the payments she made during this period counted either. (McIlvaine requested a forbearance at least once, after turning in late renewal paperwork.)

McIlvaine initially hoped these problems were just “hiccups,” but they kept piling up. And when she tried to figure out what was going on, she says, FedLoan’s call center “loan counselors” brushed the whole thing off as an inconsequential administrative oversight. Astonishingly, the cycle would repeat over the next four years.

Despite these frustrations, McIlvaine kept diligently sending in her checks. In January 2016, she took advantage of a new program introduced by President Barack Obama that helped lower her monthly bill, and when she did, her loans were again inexplicably put into forbearance. On top of that, four months later, as she was trying to save for her wedding, FedLoan sent her a bill for $1,600, more than $1,300 above her monthly payment amount. When she phoned the company in a panic, they told her the bill was an administrative glitch and said not to worry about it; they’d sort it out. Warily, she accepted—after all, there wasn’t much else she could do.

In August 2016, McIlvaine was offered a job at Mercy Corps, a nonprofit in Portland, Oregon, which came with a $10,000 raise and great benefits—the extra security she believed would allow her to start a family. But Mercy Corps required a credit check, and McIlvaine discovered that FedLoan had never actually dealt with that $1,600 bill, instead reporting it as 90 days past due and plunging her previously excellent credit score to an abysmal 550. When she called FedLoan in tears, she recalls, she was treated dismissively and told to “pay more attention” to her loans—and again the only option offered to her was to take an administrative forbearance while the company sorted out the issue. Ultimately she got the job, but only after she lodged a formal complaint with the Consumer Financial Protection Bureau, the watchdog agency created during the Obama era, which prompted FedLoan to send her a letter in October 2016 claiming the company had fixed the issue and that her credit had been restored. “But in true FedLoan Servicing style,” she told me, “they only contacted two of the three credit bureaus.” It took several more months to fix her score with the third bureau, Equifax.

Listen to author Ryann Liebanthal talk about how debt forgiveness can go horribly wrong on this episode of the Mother Jones Podcast.

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                                       If not for FedLoan’s errors and delays, McIlvaine estimates, her loans would be eligible for forgiveness as soon as 2020. But instead, in the nine years she’s been participating in PSLF, months of payments haven’t been counted toward her 10-year requirement, ultimately delaying the date of her forgiveness by at least a year. All the while, although she’s been making payments of between $300 and $450 a month, her total debt has not gone down. After nearly 100 payments, she still owes the entire amount she initially borrowed.

FedLoan declined to comment on McIlvaine’s tribulations. But as complaints to the Consumer Financial Protection Bureau and lawsuits against the Education Department and FedLoan pile up, she’s hardly alone. In 2017, the bureau issued a report excoriating FedLoan for mismanaging PSLF, misleading borrowers, and losing track of payments. The previous year, the American Bar Association had filed suit against the Education Department for reneging on its own rules about how the program was supposed to work and who was eligible for forgiveness. Then, in August 2017, Massachusetts Attorney General Maura Healey sued FedLoan on behalf of the state’s borrowers, alleging it had overcharged them and bilked them out of payments. And just this January, a set of borrowers filed a class-action suit against the company for repeatedly putting them into needless forbearances that delayed their forgiveness.

A decade after McIlvaine and scores of others began paying into the program, many are only barely closer to their goal of being debt-free. And some are even more in debt than when they started.

Now, the Trump administration has begun disassembling one of the only checks on companies like FedLoan, the Consumer Financial Protection Bureau, all while arguing that these companies are off-limits to state attorneys general like Healey—essentially trying to give them legal protection.

“We’ve seen an industry that’s really been given a pass by the DeVos administration,” Healey told me, referring to Trump’s education secretary. “That’s why you see Betsy DeVos clean house and bring into the Department of Ed lobbyists and executives from the for-profit schools industry, from the loan-servicing industry. They’re the ones who are attempting now to rewrite all the rules. And the rules and the policies of the department favor corporations and furthering the bottom line of executives at the expense of students.”

Meanwhile, in early June, Republican legislators were trying to find votes for a sweeping and massively unpopular higher-education bill called PROSPER that would get rid of many grant programs as well as loan subsidies and PSLF. Trump’s 2018 and 2019 budgets also proposed axing the PSLF program. Congress has so far rejected the idea, but if the efforts succeed they would remove what was a very small sliver of hope for a generation underwater.

October 2017 should have been a moment for celebration for those sunk by debt—it was the first time a cohort of PSLF participants, after 10 years of payments, could be forgiven. Yet of almost 900,000 people who have submitted at least one payment to the PSLF program and FedLoan since 2012, the Education Department expects fewer than 1,000 to be forgiven by the end of its fiscal year. The reasons for these astonishingly dismal statistics are myriad, but one fact is clear: A decade after McIlvaine and scores of others began paying into the program, many are only barely closer to their goal of being debt-free. And some are even more in debt than when they started.

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Today, FedLoan services about a third of all federal student debt, and last year the company took home $195 million from the Education Department. But for years, there were reasons to doubt the company’s competency to administer such a large portion of the government’s loan portfolio.

To understand how FedLoan grew so powerful, you have to go back to the 1960s. At the time, about a quarter of high school students dropped out, while half of those who did graduate went on to college. To boost those numbers, President Lyndon B. Johnson signed the Higher Education Act in 1965. The bill came along at a moment when states were creating their own institutions to promote higher-­education access, including the Pennsylvania Higher Education Assistance Agency (PHEAA), which would eventually branch off and create FedLoan. It was a recipe that we still rely on today—the federal government provides loans to students across the country, and state governments and other agencies like PHEAA fill in the funding gaps. “When you look into the faces of your students and your children and your grandchildren,” Johnson said, “tell them that the leadership of your country believes it is the obligation of your nation to provide and permit and assist every child born in these borders to receive all the education that he can take.”

RELATED: The Trump Administration Has Yet to Approve a Single Student Debt Relief Claim

But Johnson’s student aid program immediately fell short of his lofty aims. Over the next four decades, it shifted from a model relying on tax dollars to provide a public good into a loan-centered system that viewed education as a “private responsibility and risk”—and student borrowers as sources of profit, says Deanne Loonin, an author and attorney at the Legal Services Center of Harvard Law School.

Johnson had wanted to create a national scholarship fund for students—like a universal GI Bill—but Congress told him it would be too expensive. So he struck a compromise with Republicans: He would supplement federal funds with loans doled out by private banks, which in turn would receive subsidies from the government, ensuring they would get their money back if a borrower skipped out on the debt. To shore up its insurance program, the feds partnered with dozens of nonprofits and state agencies, including PHEAA. The government would pay out 1 percent of each loan an agency managed. And if borrowers did stop paying, PHEAA and the other institutions would reimburse the lending bank and then act as collection agencies—pocketing collection fees to the tune of 16 cents on the dollar.

Meanwhile, as demand for higher education grew, so did college costs, while incomes didn’t keep pace. So in 1972, President Richard Nixon did two things: He expanded a federally funded grant program for low-income students, which became known as the Pell Grant, and he created an entity called Sallie Mae that used Treasury funds to buy up student loans from banks.

By the early 1990s, the issue of student debt was already notable enough for Bill Clinton to campaign on it. His vision was to allow students to pay back their loans by doing national service. But Republican pushback forced Clinton to settle for expanding a George H.W. Bush pilot program called Federal Direct Loan Demonstration, better known as Direct Loans, which allowed the government to make loans to students, cutting out the costly middlemen—the banks and guarantee agencies like PHEAA. Direct Loan borrowers were allowed to base their payments on their incomes, and to have their debts forgiven after 25 years. Eventually, Clinton planned, every new student loan would be a Direct Loan.

This proved to be a consequential moment for the American student debt crisis. Around this time, some guarantee agencies, perhaps panicked about their cash flow drying up if Clinton’s plan succeeded, took on what Bob Shireman, a major figure in the campaign for Direct Loans, calls “a business venture mentality.” The biggest player was Sallie Mae: By the time it became independent of the federal government in 2004, it was making profits of almost $2 billion a year, selling loans in bundles on Wall Street, and giving out private loans outside the federal system at rates of more than 20 percent in some cases. It was also gobbling up state loan agencies. In 2004, Sallie Mae even made an aggressive but unsuccessful bid to buy PHEAA.

More than a decade after their creation, Direct Loans still only made up 25 percent of all student loans. Meanwhile, the Pell Grant was losing value. And as states reduced investments in higher education, hitting a 25-year nadir in 2011, public colleges covered the difference by raising tuitions.

For the middleman organizations like PHEAA, this shift was poised to take a big chunk out of their revenue streams. To soften the blow, the Education Department offered an appeasement.

As a result, by the early years of the 21st century, many millions more young people were heading to college—the realization of LBJ’s dream—but they were taking on monumental yokes of debt. Outrage over student loan debt powered Sen. Bernie Sanders’ upstart campaign for president. And the reason the issue so motivated young people wasn’t hard to understand: For the 2017-18 school year, according to the College Board, students at public universities were charged an average of about $21,000 for tuition, room, and board—more than twice the cost, adjusted for inflation, that they had paid three decades earlier. At private schools, those fees totaled almost $47,000, versus about $22,500 in 1987. In 2015, more than two-thirds of college graduates had loan debt—$30,100 on average. Nearly a quarter of borrowers with postgraduate degrees owed more than $100,000. And according to Student Debt Crisis, a borrower advocacy organization, this year the total amount of outstanding student loan debt topped $1.5 trillion.

Add to the equation decades of widening income inequality and wage stagnation—for young college graduates, wages fell overall between 2000 and 2012—and you have a situation ripe for lenders to pull in enormous profits from students who, to compete, have had to saddle themselves with debt to get a decent-paying job.

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The Public Service Loan Forgiveness program was intended to alleviate some of these pains. “Yes, we know the cost of education has gone up,” said Ted Kennedy on the Senate floor in 2007. “Help is on its way.”

Not everyone was for it, though. Repub­lican detractors likened the bill to socialism and called it a move away from “personal responsibility.” In order to get them to sign on, Kennedy and his co-sponsors had to compromise. The solution they came up with? The bill would pay for itself by offsetting $42 billion over 10 years largely by repealing subsidies that went to banks such as Bank of America, Wells Fargo, and Chase. The banks weren’t happy about this, but by 2007 they’d been raking it in for years, and even with reduced rations, they could still expect to turn a tidy profit.

For the middleman organizations like PHEAA, this shift was poised to take a big chunk out of their revenue streams. To soften the blow—and amid a ton of lobbying—the Education Department offered an appeasement. It would contract out the day-to-day work of collecting payments, managing accounts, and helping borrowers sort through their options—all the “service” that goes into loan collection—to four of the largest of these organizations.

Then came 2008, the crisis, and the bailout—but not the one you’ve heard about: the student loan bailout. Only a few months after the creation of PSLF, it became clear the banks were out of money. And with no money, there could be no new student loans. As David Bergeron, then a director of policy and budget development at the Education Department, told me, that would have meant that “every tuition-dependent college and university in the United States would close” that fall. So the Education Department, beginning in the waning days of the Bush administration, bought up more than $110 billion in loans from private banks, in some instances paying the loan balance plus $75 per loan. Obama picked up where Bush had left off, effectively nationalizing the student loan system. By July 1, 2010, Clinton’s old dream was finally realized: All new federal loans were made under the Direct Loan program.

BRANDON ISAACS: Gettysburg College (bachelor’s, 2005); University of Detroit Mercy (JD, 2009); $139,000 owed at graduation; $58,000 paid back so far; $640 paid per month, on average; 7-8 months of delayed forgiveness because of FedLoan errors; $161,000 still owed today

One of those winners was PHEAA. And this is where FedLoan enters the picture: FedLoan was created around the time PHEAA won the contract; it is part of the agency, or a rebranding of an aspect of the agency’s function—as the company sometimes claims, a way to broadcast its new role as a federal contractor. A PHEAA spokesman, Keith New, told me FedLoan was created to abide by federally mandated firewalls that keep guarantors and services separate. (After all, if you’re a servicer on a loan you guarantee, you might as well just let the loan default, and then you get to do the highly lucrative work of collecting it.) A 2008 state audit found that PHEAA’s “mixed identities” in other business dealings had enabled it to “blur its message and…depart from its core mission of serving Pennsylvania students.” And Bergeron of the Education Department suggested the company’s setup isn’t in line with the spirit of the rule. Either way, the functional distinctions are dubious: On the PHEAA website, FedLoan is described as part of PHEAA, and PHEAA’s executive team includes the senior vice president for FedLoan Servicing. Both are overseen by the same board of directors. Until recently, both had the same CEO, James Preston, a former investment banker who retired in July. And FedLoan’s revenue goes to PHEAA. (When asked to clarify the nature of PHEAA’S role, New said the agency has “been found to be consistently compliant with applicable rules and guidance.”)

In any case, FedLoan started receiving money from the government for every loan it serviced, no matter what it did with it. The Education Department paid FedLoan and the other large contractors along a sliding scale from $1.90 a month for each loan in repayment down to 50 cents for one that hadn’t been paid in almost a year. (In 2014, the contracts were updated to tweak the pricing scheme and the federal government increased payments for loans in good standing.)

As Eric Fink, a law professor who wrote about servicers in 2014, has asked, what incentive would FedLoan have to spend 30 minutes on the phone with a borrower about to slide off a cliff? That’s at least $5.75 lost (FedLoan customer service reps start at about $11.50 an hour), an amount the company wouldn’t recoup in more than four months, even if the call was successful in getting the borrower to pay. It was actually cheaper, at least in the short term, to put a struggling borrower into forbearance. Rohit Chopra, a former Education Department special adviser, put it to me this way: “The most important thing to remember” about the federal student loan program, he said, “is borrowers are not the customer. Borrowers are the product.”

RELATED: One Bold Way to Blow Up the College Debt Nightmare

Even before it created FedLoan, there was plenty of reason to believe that PHEAA’s priorities were askew. In 2007, investigations by news outlets, including the Patriot-News, based near PHEAA’s Harrisburg headquarters, revealed the agency had given out $2.5 million in bonuses to executives that year and had spent almost $1 million between 2000 and 2005 on board retreats that included $150 cigars and falconry lessons. Then-CEO Richard Willey made nearly $500,000 in 2007: His $181,000 bonus that year was more than the governor’s salary. Amid this criticism, Willey resigned.

That same year, PHEAA was sued by Jon Oberg, a former Education Department researcher who accused it and eight other state and nonprofit lenders and guarantee entities of intentionally overcharging the government. In PHEAA’s case, this allegedly amounted to $116.5 million between 2002 and 2006. All the agencies were caught up in the scandal, a former Education Department official who asked not to be named told me, but PHEAA was “particularly bad.” In December 2017, PHEAA was acquitted of defrauding the department; the verdict is on appeal. (The others named in the suit settled or had their cases dismissed.)

PHEAA’s actions also harm individual borrowers. In early 2013, Lee Pele, a 27-year-old man from Fairfax County, Virginia, called to ask why defaulted student loans he’d never taken out were showing up on his credit report. PHEAA had no answer. Soon he was being hounded by a collection agency for more than $137,000. He sued. PHEAA argued that, as an arm of the state, it had sovereign immunity. Oberg’s whistleblower suit, which fought similar immunity claims, wound its way up to the Supreme Court, which last year upheld a lower court’s ruling that PHEAA, financially independent and conducting business nationally, could be held responsible for its malfeasance. Shortly thereafter, the company settled with Pele.

Oberg’s lawsuit also shined a light on the pipeline between PHEAA and the federal government. For instance, the Education Department’s assistant secretary in charge of postsecondary education was Sally Stroup, who had previously spent more than a decade as PHEAA’s chief counsel. In January, Betsy DeVos named Kathleen Smith, another PHEAA executive, to be deputy chief operating officer at Federal Student Aid. Her predecessor in the Obama administration was Matthew Sessa, also from PHEAA, who led its bid to win the PSLF contract.

Everything about this system, Loonin told me, is due to the contradiction at the heart of the student aid program, which splits its mission between helping students and saving money. “Is it a public program that’s meant to be efficient but is focused mostly on public goals and public goods?” she asked me. “Or is it a private program that’s profit-based and supposed to be all about making sure the government makes some money, or at least doesn’t lose money?”

Johnson’s initial 1965 compromise has grown into what Eric Fink, the law professor, characterized as the worst of public-private partnerships: The government forces borrowers to deal with private companies they don’t get to pick and that regard them as a captive source of revenue. In this respect, the switch to Direct Loans had a curious consequence. Now, instead of producing profits for banks, the returns on student loans go straight to the government. “We didn’t design the student loan system to be a profit center for the government,” says Chopra, the former Education Department special adviser. But it’s become a “program that has been chowing down billions of dollars of profits.”

“If we believe in education as a public good, then we haven’t created a system that supports that,” says Loonin. At this point, “all the servicers are doing much more harm than good.”

I found Brandon Isaacs on a Facebook page called “FedLoan Servicing Complaints,” where more than 180 reviewers have collectively given the company a 1.2-star rating and narrate a mind-numbing array of customer service nightmares. “If I could give negative stars I would,” wrote one woman last September. “FedLoan Servicing is the worst company ever!” Isaacs wrote in May 2017. He complained it had failed to count several of his payments: “I work for the federal government. It should be easy.” His post netted dozens of responses.

If FedLoan could make a mistake like this, how could he trust anything the company told him? “Every single time I call them, they have a different answer.”

Isaacs lives in a Philadelphia suburb and works as a lawyer for a government agency, writing decisions for judges in response to requests for benefits. Before this, he worked for six years as a claims processor at the Labor Department. He graduated from the University of Detroit Mercy in 2009, when, on the slow upswing out of the recession, there were few private-sector options. He had federal loans, about $139,000 worth, consolidated into an income-based plan, and he knew he would want to take advantage of PSLF. I visited him, following the Schuylkill River via SEPTA train as it traveled north and west from Philly, city buildings becoming flat row houses and apartment complexes and then single-family homes sporting covered boats trackside. The streets in Conshohocken were quiet, clean. Although he lives, by his own account, a good life, and says his payments are reasonable (they’re now about $800 a month), Isaacs finds interacting with FedLoan to be almost unendurable. “There’s nothing that goes right,” he said.

Over the years, Isaacs has requested a few forbearances, including for a couple of months in late 2012 when he needed money for a down payment. But otherwise he has made on-time payments since 2010 and always stayed on top of sending his income information and tracking his progress. Yet FedLoan’s records claim that Isaacs was in forbearance over several other periods, so even though he made full payments during that time, the company took months to correct the error and only recently counted them toward his forgiveness.

“Every single time I call them, they have a different answer,” Isaacs told me. “No exception.”

Miscounting payments is a very common problem with FedLoan, according to Persis Yu, director of the Student Loan Borrower Assistance Project at the National Consumer Law Center. “Many people right now are having that conversation with PHEAA. I’ve had that conversation,” she says, explaining that she is herself in the PSLF program and has had disputes about forbearances. “Like, ‘No, let’s count.’”

For Isaacs, the general lack of transparency has caused constant uncertainty. His payment count seems to fluctuate illogically with every employment recertification, and representatives have occasionally delivered wildly disparate information about his account. During one phone call, Isaacs says a representative underreported the number of payments he’d made by nearly 50. Isaacs panicked: That would mean FedLoan was delaying his forgiveness by more than four years, and if it could make a mistake like this, even over the phone, how could he trust anything the company told him?

Others describe even worse experiences of confusion and betrayal. Not long after graduating from law school in Colorado, Michelle Quintero-Millan moved to South Texas, bought a car, and began working as a children’s staff attorney at the American Bar Association’s Pro Bono Asylum Representation Project (ProBAR). She would drive through the desert, visiting unaccompanied minors picked up by Border Patrol and held at federal migrant shelters, explaining what was going to happen to them and occasionally representing them in court.

Throughout her three years at ProBAR, Quintero-Millan had no reason to doubt her work there qualified for PSLF. “It’s pro bono work, representing individuals who are very vulnerable, in high need,” she told me. “It’s a pro bono salary. It’s a nonprofit organization.” Although the American Bar Association is in a different class of nonprofits than a regular 501(c)(3) and judged for PSLF on a case-by-case basis, many of Quintero-Millan’s colleagues had gotten letters from FedLoan that said their work qualified. After Quintero-Millan left ProBAR, she sent in records of all her post-law-school employment. Her later work as an immigration attorney at Catholic Charities USA and a refugee officer at US Citizenship and Immigration Services was quickly certified, but eventually she received a letter from FedLoan informing her that every month she’d worked at ProBAR had been disqualified: The Education Department had changed its mind about the organization, and borrowers were just out of luck. (FedLoan says her work at ProBAR never qualified.) Quintero-Millan couldn’t believe it. She’d just effectively lost three years of work—she loved the job, but she could have chosen any number of other immigration nonprofits that did virtually the same thing and did qualify. “It still to this day baffles me,” she said. “There’s no way that it doesn’t qualify. This is the type of work that was envisioned for this program.”

MICHELLE QUINTERO-MILLAN: University of Utah (bachelor’s, 2004); University of Denver (JD, 2012); $341,000 owed at graduation; $35,000 paid back so far; $530 paid per month, on average; 30 months of delayed forgiveness because of FedLoan errors; $410,000 still owed today

In December 2016, the American Bar Association sued the government, naming Quintero-Millan and another employee as plaintiffs, along with two staffers of other organizations that had been disqualified. In one of its letters to the plaintiffs, FedLoan offered an “apology for any inconvenience this may cause” and explained that in order to qualify as a public-interest legal service, the organization would need to be “funded in whole or in part by a government entity.”

One fellow plaintiff was Jamie Rudert, who’d taken a job advocating veterans’ benefits at a nonprofit called Vietnam Veterans of America in 2012. He’d found out about PSLF in law school. “I researched and read about the program, and I thought I understood it well,” he told me. He diligently sent in records of his employment and was approved by FedLoan. If he had been denied, he said, he would have found another job. “It was that important to me.” By the time he left that position, FedLoan had moved him 37 months closer toward forgiveness. But then, inexplicably, FedLoan reversed course in 2016, and the Education Department explained that while Vietnam Veterans of America “facilitate[s] the provision of disability-related services to Vietnam Veterans, they do not provide the services outright.” By that point, Rudert was working at Paralyzed Veterans of America, another nonprofit, and he couldn’t understand why one job qualified but the other didn’t. “The funny thing,” he says, “is I’m literally right next door to my old office and I do virtually the same thing.”

The Education Department, led by Betsy DeVos, argues that FedLoan, as a contractor, was never qualified to make those initial authorizations. Further, the department insists, the only way a borrower can confirm enrollment in PSLF is by being forgiven. However Kafkaesque, this last argument actually appears to represent the approach the Education Department has taken consistently.

RELATED: How Big Debt on Campus Is Threatening Higher Ed

Until 2012, after Bob Shireman, the student loan expert in the Clinton and Obama administrations, “begged” the department “to create a process to tell people whether they’re in public service employment or not,” there wasn’t even a form you could fill out to find out if you were on the right track.

“There’s a number of borrowers in a constant state of anxiety,” Adam Minsky, a Boston-based lawyer who specializes in student loan issues, told me. And for borrowers, there’s no sense that anyone in charge of the program cares. An FAQ on the Education Department’s PSLF website offers little reassurance. “Can I be certain that the PSLF Program will exist by the time I have made my 120 qualifying payments?” it asks. “We can’t make any guarantees,” the site responds.

Rudert, the former Vietnam Veterans of America employee, has seen his debt increase. Now he wonders if PSLF is still worth it, or even something he can rely on, in spite of all the time he’s put in. “I would say my entire life was kind of influenced by these decisions,” he says.

In addition to servicer errors and poor customer service, PSLF borrowers face an incredibly arcane program full of false pathways and bad information. For instance, there’s a Standard Repayment Plan and a 10-Year Standard Repayment Plan and only one of them qualifies for PSLF. And many borrowers have reported being misled by servicers about the plan they’re on, making functionally worthless payments for years.

In its June 2017 report, the Consumer Financial Protection Bureau wrote that “servicing breakdowns” for PSLF borrowers “may cause delays or dead ends that can cost them thousands of dollars…trigger extra payments and interest charges, or render a borrower’s loans entirely ineligible for PSLF, even after a decade of qualifying public service.”

“I have been paying for 4 years and was misled by this company completely,” complained one borrower cited in the report, a public school employee who had been repeatedly assured by FedLoan representatives of enrollment in PSLF. “Recently, I called to check in around this, and was informed that I WAS NOT in the loan forgiveness program.”

“I feel like what I did was everything I was taught growing up. Go to school, get a degree, get a good job, and you’ll have a good life. I followed all the rules.”

Haylee Adamson, a probation officer in Fairfax, is another of the many borrowers led astray by servicers. In 2011, she says, she received assurances from FedLoan that she had done everything right to participate in PSLF, but after nearly three full years of paying into the program, the company told her several of her payments had not qualified. (FedLoan denies ever discussing PSLF requirements with Adamson in 2011.) As a result, at least $8,000 in Adamson’s payments weren’t counted toward forgiveness, and because her monthly income-based payment of just over $200 has never been high enough to cover more than the interest on her debt, her loans, initially about $65,000, have grown by $20,000. “I live a fine life and I can pay the $206 a month,” she said, “but that $206 payment is never going to end.”

Republican opponents of loan forgiveness programs say people deserve the debt they have incurred—if you took out the loans, now you have to repay them, and if your degree didn’t guarantee you a lucrative profession, you shouldn’t have gotten the degree. Jason Delisle, a fellow at the American Enterprise Institute and one of the program’s most outspoken critics, maintains that PSLF acts as a kind of moral hazard, encouraging borrowers to incur excessive debt to finance an extended graduate school bonanza. Or, even worse than deadbeat grad students, it will reward doctors and lawyers who, after their 10 years of public-sector work, turn around and seek out six-figure salaries. But that’s not representative of the vast majority of PSLF borrowers: 86 percent make less than $75,000 a year. “I feel like what I did was everything I was taught growing up,” Adamson told me, starting to cry. “Go to school, get a degree, get a good job, and you’ll have a good life. And I did that. I followed all the rules. I didn’t set the pricing for universities. Could I have chosen a different degree that was less? Probably, but who was there to help me do that? And so I followed what I thought I should do. And I did everything that I thought was right. And I tried my hardest. And to have people say, ‘Oh, you made a horrible decision, and that’s your fault, and you don’t deserve this,’ is really hard. Because I know that I’m responsible for those decisions, I know that, and I want to pay them back.”

Last year, I visited Leigh McIlvaine in Portland, where, coincidentally, I had lived while going to Reed College. Full disclosure: I, too, was once a PSLF participant. I had more than $20,000 in debt from Reed and many tens of thousands more from grad school. After I submitted my first form from my nonprofit job to FedLoan, the company failed to tell me it had begun counting the extra loan payments I made each month against me. Instead of using the money to pay down my loans, it was using it to push forward my due date and consider all my intervening payments nonqualifying. That’s what first sent me searching for answers about why the program is such a mess. Eventually, I quit my nonprofit job, and I’ve basically given up on ever qualifying for forgiveness.

The day I visited McIlvaine, it was an unusually cold, clear morning that afforded a striking view of Mount Hood, the rare gem on Portland’s eastern horizon. McIlvaine showed me around her office and introduced me to colleagues, several of whom were also working toward loan forgiveness. Her time was limited—later that day she’d prepare to hand over her responsibilities for the next three months: Her first child was due on Christmas Day. In an ideal world, she told me, she would have delivered herself from debt before the baby came and she and her husband had to begin paying $1,300 a month in child care costs. But she was 37, so there wasn’t really time for that.

“You can’t just put off paying things forever—like, we’re not Congress.”

That night in Portland, I walked to McIlvaine’s modest, single-level home. Having recently finished decorating the baby’s nursery, lined with plants and freshly painted, McIlvaine and her husband were now turning their attention to the kitchen, in a mild state of midconstruction disarray. McIlvaine showed me the single-rack countertop dishwasher her mom had just gifted them to help with bottle washing.

“I have some friends who are blissfully student-debt-free,” she told me. “They don’t want to have kids, so they take up a new hobby every year.” If she didn’t have student loans, she said, she and her husband might be able to take out a home equity loan to pay for the renovations they’ve done bit by bit themselves. And perhaps she could invest more in her retirement account. She has trouble envisioning this alternate universe, though, even if she’s in theory only two years from reaching forgiveness. “I almost can’t imagine a life without it,” she said, referring to her debt. “It really becomes a part of who you are.”

McIlvaine is overjoyed at having a child and reaching a place where she feels ready to take on that responsibility. At the same time, her experience with student debt has deeply changed not just the way she thinks about her own life, but also the way she thinks of the lives of her son and any future kids. She told me dryly that she wasn’t sure she’d encourage them to go to college but would urge them instead to “become a carpenter—and they can rebuild American cities that have been devastated.” When I asked her if she felt any stigma about her debt, she said no. “The right choices were too expensive for the economy that I live in today.” By the time she reaches forgiveness, if she ever does, she estimates she’ll have paid about $60,000—nearly as much as she borrowed in the first place—and she feels okay about that.

Even without the promise of forgiveness, by getting her on an income-based plan, “this program,” she said, “has permitted me to do a lot that I just wouldn’t have been able to otherwise. And I think that’s the point.” But, she added, “there has to be an endgame to it. You can’t just put off paying things forever—like, we’re not Congress.”

Charts by Olivia Exstrum; interactive by Julia Smith, Adam Vieyra, and Rowan Walrath.

#Ryann Liebenthal Ryann Liebenthal is a writer and editor based in New York.

[awesome-legendarystudentcho-blog]

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"car insurance quotes pensacola fl

car insurance quotes pensacola fl

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car insurance quotes pensacola fl

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car insurance quotes pensacola fl

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I was parked out of my girlfriends house and apparently during my visit someone had hit my car that was parked on the side of the road. The other car just nicked my bumper (no damage to fender) but hit it hard enough to totally tear the bumper off the driver side and the front of the car and was left dangling on the passenger side. There were also scratches on the top of my driver side mirror, and the mirror itself popped out and was shattered. Basically my question is...if I claim it, will my rates go up? I believe I am insured under my parent's names and not my own. I had one accident that was my fault about 2 years ago.""

How much insurance for a 16 years old boy?

in california

Motorcycle insurance for a 19 year old?

Im 19 I have taken the Motorcycle safety course. I want to insure the bike myself. Just wondering around what the cost will be around for a 600cc sport bike. Probably a older one 05-07 Anyone with a idea would be helpful

California low income health care aid?

just 18, college student, family currently on medi-cal am i still covered? is it until age 21? what are the ones that allow parental coverage until age 26? what changes will occur to the california healthy families and medi-cal programs with Obamacare? recently received letter putting me in emergency coverage only what does this mean to me and what i am covered for?""

Long-term care insurance?

Has anyone invested in long-term care insurance? Are you counting on that to get you through if you need help? I am fairly alone in the world and am considering this to help provide for my future if necessary.

I want cheap auto insurance?

I am from canada and i want cheap auto insurance from where i will get this.

Do I need car insurance to rent a car?

If I have a valid license but do not have insurance, can I rent a car?""

""Why does my car insurance keep going up, despite having no accidents, and no tickets in my life?""

I am trying to figure out why my insurance keeps going up. I never had a accident, have a spotless driving record, and pay on time every month. Every 6 months when my policy renews, ...show more""

How much does motorcycle insurance typically cost?

good credit, driving record, etc...""

Audi Q5 2014 car insurance cost houston?

i just moved to Us , Houston and i am 32 year old male so i would like to buy a new Audi Q5 2.0T any idea how much the full insurance ? and is it good car Q5 2.0 T ? Thanks a lot""

Where can i check to see if my medical insurance is active?

I have Medicaid. Someone I know checked online before to see if my medical was still active, I didn't get to ask where she went to look that up.. does anybody know""

What do you do when he doesnt have car insurance?

I was in a car wreck two weeks ago. We thought he had safe auto to the police report which is a nightmare but which made it worst he has no insurance at all. He had been drinking early but did not blow enough to go to jail. What can be done about him driving without insurance and drinking

Can you get in trouble for letting someone drive your car without insurance?

I own a car. I just bought it. I don't have the title in my name yet, nor is there any insurance on the vehicle in any ones name. If I let someone else drive my car and they get pulled over, who is liable? Will the person driving the car get in trouble for driving without insurance or will I get in trouble for allowing someone else driving it knowing its not insured nor is the title in my name?""

Cheapest car for insurance?

My parents have agreed to get me a car, but the insurance has to be cheap. We have allstate and i have no idea what the cheapest car would be to get, insurance wise. thanks for any help!""

How much is car insurance for a 21 year old female?

I'll be a first time driver as of next month and I was curious how much I'll be looking at as a ball park estimate on my insurance rates. I know I'm a late bloomer for driving but I have never needed it as I live in a city. But as I want to do and go more places, I need a car now. Especially since I'm moving out of state, on my own, in 6 months. I was wondering how much I'm going to be looking at. I'll be driving a small sedan, maybe a 04-05 Honda Accord or Civic. I live in Texas now but I'll be moving to Ohio, in February, and if anyone could give me rates for both places I'd be much obliged! Thank you so much for even answering my question :)""

Car insurance for a day/week for a learner

Hey, basically i am going to take my practical test in a couple of weeks (14th) and im taking it in my car, i was just wondering if there is any companys that specialise in car insurance for just a day or a week for learner drivers. if so what companys and how much am i looking to have to pay, thanks""

I dont understand how kids can afford a car and insurance?

for me it will take about a year to save up for a decent car, but the insurance is like 5000 a year, how could someone afford that, is there something im missing? and is it only like this where i live (ontario)?""

""High deductible, low premium?""

hello, can someone please explain insurance terminology? what does high deductible mean? who should get this and who SHOULDN'T? i am trying to help my parents by purchasing ...show more""

Does an insurance company have to insure a rebuild title?

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

""Uk car insurance for 19 year old male, and what is the most reliable cheap car to buy?

Just wondering what would be the most reliable cheap car to buy and how much insurance would be for a 19 year old male who has just passed their driving test? Also do you buy the car and then have to get it insured before you drive it out of the lot?

car insurance quotes pensacola fl

car insurance quotes pensacola fl

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"long term disability insurance ny quote

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

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What does your credit paying history got to do with paying higher/lower car insurance rates?

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Best insurance for a young additional driver?

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long term disability insurance ny quote

long term disability insurance ny quote

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Am looking for perscription insurance for my low income mom (86)?

She is on med eye drops, her regence ins. costs her $116. and yet she has to pay $110 for the drops. She has about the lowest ss u can get due to being born in the year 1921. Not sure ...show more""

Why my car insurance is so high and how can I lower it?

Recently I moved my house and my insurance went off the roof. For a 03 reg ford-ka its 2300 whereas the car cost only 1400. I also have passed pass-plus, but in vain. Checked on gocompares and other sites, but of no use. I am 28yrs old. I don't know what to do, I love to drive and want that car so bad? Do you guys have any idea? Should I go and check out with my bank for insurance and stuff? please help?""

If men have to pay more for car insurance then why aren't women paying more for health insurance?

You can use the same exact argument they use against men to increase their car insurance. http://www.jfponline.com/purls/Pages.asp?AID=2450 From the departments of Family and Community Medicine (K.D.B., E.J.C.) and Internal Medicine (J.A.R.) University of California, Davis, School of Medicine, Sacramento; and the Division of Statistics (R.A.) and the Department of Economics (L.J.H.), University of California, Davis, Davis. Reprint requests should be addressed to Klea D. Bertakis, MD, MPH, Department of Family and Community Medicine, 4860 Y Street, Suite 2300, Sacramento, CA 95817. E-mail: [email protected]. BACKGROUND: Studies have shown that women use more health care services than men. We used important independent variables, such as patient sociodemographics and health status, to investigate gender differences in the use and costs of these services. METHODS: New adult patients (N = 509) were randomly assigned to primary care physicians at a university medical center. Their use of health care services and associated charges were monitored for 1 year of care. Self-reported health status was measured using the Medical Outcomes Study Short Form-36 (SF-36). We controlled for health status, sociodemographic information, and primary care physician specialty in the statistical analyses. RESULTS: Women had significantly lower self-reported health status and lower mean education and income than men. Women had a significantly higher mean number of visits to their primary care clinic and diagnostic services than men. Mean charges for primary care, specialty care, emergency treatment, diagnostic services, and annual total charges were all significantly higher for women than men; however, there were no differences for mean hospitalizations or hospital charges. After controlling for health status, sociodemographics, and clinic assignment, women still had higher medical charges for all categories of charges except hospitalizations. CONCLUSIONS: Women have higher medical care service utilization and higher associated charges than men. Although the appropriateness of these differences was not determined, these findings have implications for health care.""

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long term disability insurance ny quote

long term disability insurance ny quote

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Car Insurance what companies have the cheapest rates?

Please help me! What Insurance companies have the cheapest insurance. ( male )

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APPROX how much would car insurance cost for me?

hello, up until this point i have been on my parents insurance. I am going off on my own now and would like a rough estimate on how much per month my specs :) 23 year old female college grad never had any traffic tickets (had an underage drinking ticket in 2007... if that matters now?) car is a 2002, 4 door compact nothing fancy""

Why are my car insurance quotes flucuating so much?

I'm looking for annual policies on a provisional license for my own vehicle, having looked around for a week or two (12/18th Dec) i found a quote for 680 upon refreshing my quote on the 19th December it was decreased to 480 now on the 26th i cannot find a quote for less than 860! i have not changed any of the details of the policy, except to amend the start date i understand the law is changing re: gender based risk assumptions but there seem to be many other factors involved, some which i understand, many i do not. Ideally i would like to understand the circumstances which led to the original decrease to 480. Thanks for any help anyone can provide, all the best Bill""

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i had car insurance in brooklyn,ny but now i got verry expensive, so i thought to go to albany to get cheaper nsurance""

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If I apply for health insurance with a preexisting condition and they give me a 12-month waiting period before covering the condition - does that 12 months start over if I am treated within the waiting period and I pay for the treatment on my own? Or does the 12-month waiting period begin from the date I purchased the insurance, regardless of what takes place during the waiting period?""

As a 22 female driver about how much would a 2010 camaro insurance cost? i have a perfect driving record?

As a 22 female driver about how much would a 2010 camaro insurance cost? i have a perfect driving record?

How much will insurance be on a 2004 Nissan Maxima SL?

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My friends and I are going to be taking a trip to a place about 3 hours away, and returning the same day. We're borrowing a car and the owner is asking us to cover one-day insurance. I've had some trouble getting some quotes and I was wondering what a ballpark range is? Less than $50?""

I need hand insurance?

I need hand insurance

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are we required to have insurance? do all companies have to offer insurance now? What percentage do companies have to pay for insurance? Thanks

Will getting a speeding ticket affect my insurance rate?

I was going 71 in a 55 zone which is 16 over. I am 18 and still on my parents insurance and want to know if and how much my insurance rate will go up and if there is anything I can do. I got the ticket yesterday and haven't told them yet. I really want to just pay it and get over with it but if my insurance goes up I am looking at a whole other problem! Thanks for all your help in advance.

How much is the insurance on Brady Quinn's new car?

http://liberal-debutante.com/wp-content/uploads/2007/08/pink.jpg

CA New Driver Insurance Question?

Hello, I'm 18 and I've had my license for a few months now and I wanna buy a car now(1996 Honda civic ex) and I've gotten quotes and there about $250+ per month and I was wondering if i put my dad as a Co-owner will the insurance way cheaper? P.s. I just want the cheapest insurance no coverage ect.""

Why is my car insurance so high?

I'm paying about $1,800 every sixth months, and now it's increasing. I had my driver's licence since sixteen, I'm twenty-four now. And I've been clean my entire life, except a few years ago when I received a speeding ticket. Then I took its courses to deduct points, and everything's cleaned out. But why is my insurance still high?""

How much did you pay for car insurance on your first car?

I am going to be 17 soon and will get a car, the car i will get is Vauxhall Astra Mk4 1.4, i went on a car insurance quote comparison website and the cheapest they could find was like 5,500, there's not a chance im gonna pay that, i was wondering what you all paid, oh and i live in the UK.""

Insurance on a Motorcycle.?

I am 16 and I am wanting to purchase an '08 250 Ninja. What would I expect to pay every year in insurance? I live in MS if that would make a difference in insurance.

Do motorcycle insurance claims have to be noted on car insurance?

i recently renewed my car insurance and stated ive made no claims in last 5 years but 3 years ago i made a claim on motorcycle insurance when my bike was stolen - should I have put this on my car insurance?

Good Driver Insurance Discount?

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

Mandated Health Insurance is different from Mandated Auto Insurance how?

The Supreme Court will be deciding if the government can force us to buy health insurance from a private corporation. The government forces us to buy auto liability insurance from a private corporation. I am at a loss to see the difference.

Insurance for Kids?

I work at an insurance agency and have to give a presentation about insurance to grade school kids. Does anyone know where to find interesting info about insurance that kids would understand?

Motorcycle insurance?

how much would it cost for a new motorcyclist to pay for his insurance if he got a used bike.

Trying to find cheap car insurance!! Help!!!?

Whats some cheap car insurance companies out there?? Not allstate, geico and etc..""

long term disability insurance ny quote

long term disability insurance ny quote

""Car registered 25sep, no insurance, car incident 1st Oct but is it illegal?HELP?""

WHY SO? So I registered my car at DMV on the 25th Sept, I do not have insurance but according to DMV, it is LEGAL to not have insurance until 15 days on the day of registration. But in between those 15 days, I got into a car accident and what do i have to do now?????""

Do I have to buy health insurance under Obama care?

I am a single mother 44 years old, I live with my 16 years old daughter in Colorado. I make about $ 24000 a year, my daughter and me are very health people and we never go to the hospital. We never buy health insurance before and have no idea about it. I heard under new law, I have to buy some kind of health insurance, anyone know which one has the lowest rate and how much we have to pay every month? many thanks.""

Why is it a requirement to have a car insurance in the UK?

i have just passed my driving test last week. i already have ford fiesta (its so loud). why would i want to insure my car against what. what is car insurance about? what/where is the cheapest company to go and why? what are the benefits of car insurance?

Insurance coverage after my car was totaled?

In 2005 I was in an accident, not my fault. My 1997car was totaled, due to a small area of body damage. I kept the car. Comparing notes with my friend, he said I should not have been paying for collision these past 4 years. When I called to tell my insurance company I bought a new car, I asked why my rates didn't go down after the accident. They said only I could have made a change. Question: what would have happened had I been in another accident that would have totaled my car a second time. Would they deny me. Are they obliged to counsel customers about keeping collision insurance on an already totaled car. Do I have any recourse. Could I get a refund. (My question mark key is gone on my keyboard.)""

""My car was totaled, do I still have to make payments to my car insurance?

I was in a car crash in the beginning of August and my car was declared total by my insurance. I still had 5 more payments left and called my agent which said I still have to pay for them?

Is it a law in New Hampshire that you must have car insurance?

I recently bought a car that i know own 100% (i am not leasing). Is it a NH state law that i HAVE to have car insurance? Any sources would be very helpful.

""How much in total (average), does one pay for Car insurance (for 1 car), and Health insurance (for 1 person)?

im 17 years old and just curious

My license was suspended and I want to buy a new car. Will my insurance company still let me keep my policy?

I have had my license suspended due to accumulating 12 pts on my driving record (maryland). I did however get permission to drive to work. I have been planning to buy a new car now and I really don't want this to prevent that. However, my insurance rates haven't gone up due to the suspended license atleast yet. If I buy a new car, other than the type of coverage, will my insurance go up because of the suspended license or will that even still keep me on the policy. Any help will be great.""

Why should someone who is say 40 get cheaper car insurance than a 17 year old?

If for instance they passed on the same day, why should a 17 year be categorised as less responsible than a 40 year old in terms of driving ability? Particularly when chances are due to the insurance gaps and most probably the earnings of these two hypothetical people the 40 year old would be able to afford a more powerful car...""

I heard of Homeowners insurance being called...?

fire insurance and hazard insurance. are they the same?? or how are they different?

I need help and info on car insurance and registration?

Ok im a 19 year old male that has never been in any car accidents with a clean record. My parents dont want to help me with all this car stuff so i need help. I bought a used 1993 honda civic del sol s. And i only got the title of the car but Now im lost. I dont know what to do next. I know i need insurance but i want to know how much money i need to get insurance. How much will i be spending in order to have the car all ready to drive? Can someone give me the steps listed of what i have to do and in what order? And how much money will i be having to pay? Can someone give me an estimate? Im short on cash. I had 4100 dollars and the car i bought was for 3000 i have 1100 dollars left for the rest of the things i have to do. I want the car on my name. And also i heard my car has to be inspected before i get insurance. Can someone just explain everything to me? Im so stressed and confused

Do I need to purchase additional insurance for a rental car?

I have my own insurance with good coverages. I am going on vacation and renting a car. Do I need to purchase the additional rental car insurance that they always offer you? Will my car insurance cover me at all in the event of an accident?

Explanation for Insurance quote in Oregon?

Hi folks, I just moved to Oregon from CA. I got a quote from State Farm which suits my need. I just got a quote from an agent. She mentioned something like this in the quote. I have me and my wife as drivers. Automobile liability with W/P $25000 50/100/50. I mean to ask what does W/P $25000 mean? Is it mandatory to have PIP in Oregon? Thanks for your help.""

Insurance Price for a teen driving a Toyota Celica?

I'm 14 about to turn 15 and get my restricted. I've been looking for a car and I found a 2000 Toyota Celica GT for $5,000 list price which is well within my price range. The car is a manual which I'm fine with, The only thing I'm worried about is the insurance cost for a teen driving a sports car and wanted your opinion on the price of insurance and on how good of a first car a Toyota Celica would be. Thanks for any and all help, Grant""

Will my insurance provider penalise me for doing this...?

If i have a policy for my motorcycle and a policy for my car, (both policies are form the same insurance provider) and over the summer i decide to drop the policy for my car, only to activate it again in the fall, will that be considered a lapse in coverage? Will my rates be higher because of this action when i reinstate the policy in the fall?""

Insurance price for a 50cc moped?

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

How To Get The Best Homeowners Insurance?

How To Get The Best Homeowners Insurance?

BEST AFFORDABLE MEDICAL INSURANCE FOR NEWLYWEDS (NO KIDS)?

HUSBAND MAKES MORE, SO NOW NO LONGER QUALIFY FOR MY INSURANCE. WHICH IS THE BEST INSURANCE FOR PEOPLE WITH NO KIDS, AND WHICH IS THE BEST WHEN WE DECIDE TO HAVE KIDS? AND WHY? THANKS SO MUCH, THIS IS A PAIN IN THE REAR...""

Rental Car Insurance-I don't have a auto insurance.What are the coverage i have to buy from rental company?

Hi,I'm new to US.I stay in california.I want to rent a car and confused with the insurance options.could anyone help me,what are all the coverages(LDW,SLP etc) that i need to rent a car?.I don't have a personal auto insurance.""

""California, pregnant, No medical insurance. What next?""

I am currently in England where I have medical coverage (NHS). I am an American and from California. I am having to move back to California, but obviously will not have medical insurance. What do I do? Can I still get insurance when I'm already pregnant? Can I qualify for medicare? How much am I looking at needing to pay? If anyone knows what happens when your pregnant in california with out insurance, that would be super. This is a family emergency which is making me need to move back. So please do not judge me because I am having to go somewhere with out insurance. Thank you.""

Health Insurance in California!?

Hi there, My girlfriend and I are getting married next year. I am British and she's American and I'm going to move to California to live her. I am just wondering how the whole health insurance matter works in California as there is no national health insurance as far as i know! Thanks guys!""

How much life insurance can a 75 year old woman get?

My aunt wants some insurance. How much can she get?

What are the risks with Co-signing on a car and putting insurance in my name for a bf?

My daughters father needs a new and wants us to get it together. I would be co-signing on the car and the insurance would be in my name. It would mainly be his car, I would only pay $100/month on the insurance. I'm very hesitant about doing this as a) our relationship is rocky b) he has a bad record...many tickets/fines to the point where he could not get approved for insurance c) I dont want to get screwed over. He's pretty upset that im saying I dont want to, and is complaining that he cant rely on me, but I feel im protecting myself and my credit. So what exactly are the risks, and how can I get him to understand why I'm saying no?""

Can somebody give me an estimate on the price of car insurance in NY?

give me an estimate on average price?

How much would insurance be on a 2006 Dodge Charger SE?

im graduating next year and i was just curious about how much insurance would be for a 17 year old with a charger.

long term disability insurance ny quote

long term disability insurance ny quote

https://www.linkedin.com/pulse/how-does-paying-higher-health-insurance-premiums-having-tyler-brewer/"

[elizabethcariasa]

Trump's FY21 budget calls for extended tax cuts and more IRS money

Treasury was one of only five departments or major agencies — the others are Defense, Veterans Affairs, National Aeronautics and Space Administration (NASA) and Homeland Security — that got budget bumps in the Trump Administration's Fiscal Year 2021 budget request. (Screen shot of CQ/Roll Call video of delivery of budget books to Capitol Hill)

The annual presidential wish list, formally known as the administration's fiscal year (FY) budget, is public. Bottom line, and it's a big one, is the FY 2021 proposals top out at $4.8 trillion.

When it comes to this funding exercise, regardless of which president or party initiates it, much of what's in a FY budget proposal won't happen.

That tends to happen, or rather not happen, when a White House doesn't have control of both legislative chambers.

It's particularly true when the White House and U.S. House, where spending measures originate, are led by opposing political parties.

Still, a president's annual budget proposal like the one issued today, is similar to a kid's overly hopeful letter to Santa Claus. It gives us an idea of an administration's priorities.

Expect to see more of the funding ideas in Donald J. Trump re-election ads than in actual spending bills.

No budget surprises: As for those ideas, there's not much new in this latest budget. 

It's no surprise that Trump's pet projects, such as the U.S.-Mexico border wall and the military (with a special nod to the new Space Force), get more money.

And while the document acknowledges that the federal deficit be more than $1 trillion, it says that is a short-term problem.

"This year's Budget includes $4.4 trillion in savings — bringing deficits down each year, and putting the Federal Government on a path to a balanced budget in 15 years," according to the budget document.

More on this pledge later.

More money for the tax man: The IRS also gets a bit of good news.

While no Republican administration can ever be expected to be a true friend of the IRS, the Trump White House continues to be at least a nodding acquaintance of the agency.

The Trump administration is boosting slightly funding for the IRS, proposing $12 billion for the agency in fiscal 2021 to go toward its primary functions.

As in its prior budget, the Trump Administration again seeks money for the IRS to continue to deal with its technology-related challenges. This latest budget proposal earmarks $300 million so the IRS can continue information technology (IT) modernization efforts.

The budget also wants Congress to consider legislation that would provide additional funding to expand and strengthen tax enforcement.

Last year's White House budget request was $11.5 billion, which ultimately made it through Congress and into law. That was an increase from the previous $11.3 billion funding level for the federal tax agency.

Overall, the Treasury Department, of which the IRS is part, would get $15.7 billion, also a slight bump over the current funding level.

Why IRS money matters: Most folks aren't fans of the IRS and wouldn't be upset if the agency didn't get a budget boost.

But since most Americans must, at some point in their lives, deal with Uncle Sam's tax collector, it's really in our best interests for the IRS to work properly and efficiently.

Already, according to the IRS, for every $1 dollar in funding it gets, it brings in $4 dollars in new revenue. That's a pretty good return on investment.

If the tax agency can't collect all that money the Treasury is due, we all have to live with the shortfall. That difference, in most cases, will be made up either by us paying more in taxes or living with fewer services.

Enough … for now: The National Treasury Employees Union, which represents about 70,000 IRS workers nationwide, has long argued that decreased IRS funding, as well as associated reductions in staffing and other resources affects the agency's ability to do all its jobs.

The jobs ranges from collecting taxes to auditing those who don't pay to assisting taxpayers trying to do the right tax thing.

IRS Commissioner Chuck Rettig, whom I'm sure would never turn down more money, is, at least publicly, more sanguine about budgets and his agency's ability to do what's required, at least through most of this year's tax filing season.

"The fiscal 2020 budget, which will run through September, will provide us with a $207.5 million increase over last year, taking the agency to $11.5 billion,” Rettig wrote in a memo to IRS employees at the end of 2019, according to Government Executive, which received a copy of the internal communication.

The commissioner did admit, however, that "the IRS will face budget challenges this year," primarily due to personnel (current and retired) costs, as well as other operating expenses. These fiscal concerns would pose "some difficult budget choices in the year ahead," requiring the IRS to "allocate our resources strategically."

Still, Rettig assured employees in the memo that he is confident they can handle the work.

Other budgetary tax matters: OK, the IRS is covered. But what will other tax-related FY 2021 proposals mean to the rest of us?

Fans and makers of electric vehicles aren't happy. The Trump budget eliminates some tax breaks in this area.

And yes, the issue of more oversight of paid tax preparers is still there.

It's not as detailed as previous budget requests, but is cited as the White House's support for "several proposals to ensure that taxpayers comply with their obligations and that tax refunds are only paid to those who are eligible, including: improving oversight of paid tax preparers; giving IRS the authority to correct more errors on tax returns before refunds are issued; requiring a valid Social Security Number for work in order to claim certain tax credits; and increasing wage and information reporting."

Extending individual tax cuts: The biggie, though, involves the tax cuts in the GOP tax reform measure known as the Tax Cuts and Jobs Act (TCJA).

The individual tax breaks are temporary, set to expire at the end of 2025. The business tax breaks, you'll remember, don't have an expiration date.

The Trump Administration wants to extend the TCJA's individual measures for another decade beyond their current expiration date. The cost of keeping them on the books through 2035 will be $1.4 trillion.

Not to worry, though, says the White House.

The cost of the continued TCJA tax breaks, goes the perpetual GOP thinking, will not be a problem because "all administration policies will pay for themselves."

Many folks, including esteemed economists, regular financially-focused folks like me and history, disagree with this assumption. No economy has grown consistently or enough to generate sufficient money to make up the cost of tax cuts.

But expect that debate to continue when Congress does start looking at the president's budget and the federal government's upcoming fiscal year's funding needs.

You also might find these items of interest:

Tax cuts, not disaster spending, produced record deficit 

Government waste reports now on consolidated website

IRS bringing in more tax money despite budget cuts (2017 report)

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[superblyjovialtheorist-blog]

Looking for a health insurance coop in California.?

"Looking for a health insurance coop in California.?

Anyone know of one not related to working at a company or for the government?

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

RELATED QUESTIONS: 

Can somebody explain to me about car insurance for a 16 year old (teen) driver?

I'll be getting a license soon, but don't know how insurance works. I've heard that once you have turned 16 with a license then you will automatically be added to your parents insurance and will be required to pay extra for a certain amount of months. Another thing I was told was that I wouldn't have to pay until I was 18. But If anyone can please tell me all that there is to know and the price for the average teen driver. I'll be driving an old 89 Toyota camry. Also I can maintain good grades. I live in the state of Washington. Parents insurance is State Farm.""

How much will my insurance go up with 2 points on my record with allstate? im 21 yrs old.?

How much will my insurance go up with 2 points on my record with allstate? im 21 yrs old.?

Insurance rates for 2003 F150?

Ok, so I'll start off by saying I'm 15, and when I do turn 16, I want to get an F150. My question is, what can I expect to be the insurance rates on a car like that? I've read from multiple websites that despite being a truck, it has decent rates because it's extremely safe and is reliable. Can anyone give some information or direct me to a website that would help me out?""

Are we required to have health insurance?

is it true in 2014 we are required to have health insurance otherwise there fine for whose who don't maintain a insurance? My insurance was threw my husband and just got divorced few days ago in jan 2014 will I still have insurance until end jan will they offer me cobra plan i can buy.

Lawyer or insurance broker?

Lawyer - job offer, 35 000 as a trainee, but 6/7 months in advance doing course for it earning nothing...so pro rated less - after 2 years goes up to 70 000. It involves researching, managing documents, photocopying, proof-reading, filing in and submitting forms and paperwork, dealing with clients, managing their expectations. 9:30-8pm job. Insurance broker for a very big firm - job offer, 30 000 straight away pretty much, will go to about 50 000 after two years. Involves speaking to people over the phone negotiating risk on insurance products pertaining to companies, war, politics etc. Liasing with underwriters. Trying to get the best deal for clients. Less intellectual, more numerical, more oral than written communication. 9-7 job.""

How much auto insurance should I carry?

Is it true that depending on your net worth, you should get more or less auto insurance? I'm a college student so I only work part-time and only have a modest amount saved up. The value of my car is about $4000. Right now I have 50000/100000 for injury, 50000 property damage, and 50000/100000 for uninsured or under-insured motorists. I have no comprehensive or collision coverage. I can not afford those. But liability wise, am I good or would it be OK to buy less or should I buy more auto insurance? I am not on my mother's insurance policy because with her being in another state, and the car being garaged with me, it's not worth it and I'm not sure if it's possible""

When does insurance go down for minors? at 18 or 21?

im wondering because i am getting a car and i am 17 and i am wondering if i should just wait till im 18 to get it cheaper or if i should just be on my parents plan

Suggestions for car insurance?

I have preferred insurance and have been paying by the year for over 5 years with this company, with no claims in over 10 years. They have raised the entire states rates, and I'm not staying with them. Any suggestions? Any reviews on that little green lizard insurance company?""

17 year old and car insurance policy?

my mothers insurance company called her today asking if i had my license. when she responded no but i was thinking about getting it, they said if i did get it, she would have to immediately put me on her policy, even if i DON'T have a car. sounds like some bull to me but then again ive never done this before. to insure a 17 year old male with the car i would have would cost her 3 grand a year anyway which isn't gonna happen. she then asked if i could have my own policy in my name and was told yes and it would be completely in my name and i wouldn't have to sign on any ones policy. as far as i know, i cant sign a legal contract until im 18 because im still a minor in the eyes of the law. (her insurance company is allstate by the way) my questions are-- (1) do i have to be put on her policy as soon as i get my license even if i DON'T have a car? (2) can i have my own policy in my name being a minor (17) with no existing credit history?, and if so (3) can anyone recommend some of the cheaper insurance companies for teens, or is 3 k a year about the norm? 10 to the best answer. thanks.""

In san diego when you have a driving permit do you have to be part of your parents insurance?

In san diego when you have a driving permit do you have to be part of your parents insurance?

My mother needs health insurance but...?

Ok, so my mom is extremely sick. Her stomach/genital areas are usually in very big pain, which makes her have trouble walking to the bathroom, and even then she said using the bathroom is even more painful. She sometimes has trouble breathing so she drags her feet (because she can't walk too well now) and go outside. The pain goes away after she takes some pain stopping pills, but they do come back. Now, she does not have health insurance, and neither do I actually. I don't think any health insurance company would actually take her cuz her health is so poor. What are my options here? We're not rich, so I don't think a direct scan of her body and (possible) surgery is a good idea (so expensive :( ). PS. I live in Southern California.""

How much would these cars cost to run per month?

renault clio 1.2... citron Saxo.... corsa (old) including tax , m.o.t and insurance and watever you have to pay for :) x""

Affordable health insurance?

So we make about 35,000 a year so I do not qualify for government subsidies. we bring home about $2,600 a month $900 house, $800 car (I've tried geting out but there least so we cant) about $400 for house bills water, electricty ect..., $150 cell phones $100-$150 in gas(to get to work) $100 car insurance, and that only leaves us with $100 dolars a month for food so we keep having to use our credit card just to feed our son which is another $75 dollars a month!. (we dont have house phone, cable, took our son out of pre-school and karate) So we end up with $25 (If I use the credit card for food) and yet the cheapest insurance I can find is $183 a month. CANT! is there anywhere that sells insurance for cheaper? I have and interview on monday but I cant afford daycare. I knot know what to do. help please""

How much is car insurance for a 17 year old on parents insurance?

I don't want any witty Too expensive, thats how much it is answers. I will be 17 this July, and my dad is going to insure me on his insurance, he has had his license for 55+ years and the car will probably be a Ford Fiesta. We just need rough estimates. Thanks, George.""

About how much do you think my car insurance will cost?

my parents just switched to liberty mutual, I have a car, a blue 99 manual chevy cavalier and I'm 18. I'm trying to figure out how much money from my job I need to save up before I get my license, because I have to pay my own insurance and I've had my permit for a year and a half because I couldn't find a job until last month. I just want a guesstimate please!""

What is the Average cost for Horse Insurance?

My mum has nearly agreed with me getting a horse! :D And we are trying to work out prices. The only cost we haven't got is horse insurance. I just want the Average cost for Horse Insurance? They age of the horse will be 6 - 10 years old? Thank you.

Car Insurance question?

I am 17 years old, and I have a provisional license. I was wondering if it was legal to drive my parents car without me added to their policy. I live in New Jersey.""

Breast Reduction/Will my insurance cover it?

I submitted my request through my primary doctor and of course they denied it. However, they sent me an approval to see a plastic surgeon, so I went. She said I was a great candidate and that she will send pictures and notes to my insurance. The insurance hasn't approved the reduction, but again they sent me an approval to get a mammogram done. is that normal? i got it done and of course everything is fine. I called the PS and they are resubmitting my request a long with the mammogram results. Am i on the right track? Do you think they will approve it?""

I don't have liability insurance! My mom drives her car that is insured! Can i drive her car?

I was removed from my parents insurance policy! My mom can drive her car cuz she has insurance. Can i drive her car>?

""Has anyone ever called AIS (auto insurance), and do they really find the cheapest insurance?""

Has anyone ever called AIS (auto insurance), and do they really find the cheapest insurance?""

How can I find affordable health insurance for self employed?

For just me and him we pay $927 a month! He has no medical conditions. I take 3 medications for depression and anxiety, but its been a lifelong thing, and I require not psychiatrist or anything , like that, just the meds from my family doctor to keep my chemicals level. Can we get assistance, or is there special help for the self employed? I'm 35 and he is 40.""

Do I need insurance if I have a drivers license but no car?

Im Juss Got My License and i dont have insurance And Wondering If I Can Drive My Parents Car They Have Insurance And Gives Me Permission To Drive It, so if anyone knows the correct answer please let me know and by the way i live in tx.""

Suspending car insurance?

i have car insurance i pay monthly for but i mite be going on a course away from home but i wont be able to work to pay for the insurance. i would need to not pay for it as it were for a 12 weeks. is there anything i can do or any advice ?

Is insurance more expensive on a Two door car or a Extended cab truck?

Cant deside between a 99 Chevy silverado or a 2002 Celica. which insurance will most likely be cheaper?

Auto Insurance/License Question!?

I am a 19 year old Californian and I need to purchase auto insurance for my car before I take the drivers test for my license, at least that is what I am led to believe, maybe I don't? But the auto insurance companies require me to give my license number before I can buy the insurance. So I can't get insurance without a license and can't get a license without insurance? No, I cannot be put onto my parents auto insurance or anything. I do not live with them, I am not a dependent of them, etc, etc.""

Looking for a health insurance coop in California.?

Anyone know of one not related to working at a company or for the government?

Auto insurance quotes?

Auto insurance quotes?

List of top insurance companies in USA?

Can u pls list down top 20 US companies in each category of insurance ... Car Home Life Health Property Marine General etc.

""Where is the cheapest place to get auto insurance in st. petersburg, FL 33701?""

Haven't had insurance in awhile, just bought a new/used truck. Just need the basics. Live in st. pete area code 33701.""

No claim bonus on previous car insurance?

HI I WOULD BE GRATEFUL IF YOU COULD ANSWER ABOUT CAR INSURANCE CLAIM BONUS DID 2 YEARS INSURE WITH FIRST CENTRAL INSURANCE FROM DECEMBER 2010 TO DECEMBER 2012 THEN STOP DRIVING AND NOT DRIVE FOR 13 MONTHS DO I STILL HAVE CLAIM BONUS I WAS TOLD YES IT EXPIRE AFTER 2 YEARS IS THIS TRUE? I TRY CONTACT MY PREVIOUS INSURANCE ABOUT THIS BUT NO REPLY YET THANK YOU

Do Liberals know that Affordable Care Act will in fact make healthcare insurance far less affordable?

On Jan. 30 the IRS released new regulations regarding Obamacare - remember that the IRS is in charge of penalizing you should you fail to purchase the mandated insurance - that included cost estimates for the plans the government will offer. Obamacare Lie #4: Obamacare will cut the cost of a typical family's premium by up to $2,500 a year. http://moneymorning.com/2013/02/08/the-7-biggest-obamacare-lies/""

""Generally speaking, what's the cheapest auto insurance you could get?""

Generally speaking, what's the cheapest auto insurance you could get?""

Dodge Stealth insurance with a salvage title?

How will the fact that the 1991 Dodge Stealth I'm planing on buying has a salvage title affect my insurance? I got quotes from Progressive Gieco Esurance and Allstate from anywhere from 675 to 780 for 6 months. So anyone have any ideas on how its going to change or if I can even get it insured? If it matters the engine went out and was rebuilt.

Ok I am for the poor getting Health Care....And I am also for insurance reform?

for crying out loud there are kids poor with illness..for them to not be insured is just insane... 1.What I am not for however is this fine for not having insurance if you can afford it.It is there choice and they should be made to pay for there health care should it go South...If they lose there house,car etc than that is there fault because they made a choice.AND please don't come on here and say there is not a fine for it because there is..I just read it again... 2.What I would also like to know is why the Democrats voted out the amendment to the bill that stated that if you have insurance you will not have to replace it with something else?Is that not something Obama has already promised would be in the bill... Thanks for all the Answers ahead of time...""

Cheapest auto insurance for young drivers?

Who do you use and what are your payments a month on your vehicle. I'm trying to get an idea of what my insurance payments are going to be and I'm not sure who to go to. I'm looking at buying a scion tc. Anyone that you do NOT recommend using is highly appreciated also. THANKS!

Why my car insurance is so high and how can I lower it?

Recently I moved my house and my insurance went off the roof. For a 03 reg ford-ka its 2300 whereas the car cost only 1400. I also have passed pass-plus, but in vain. Checked on gocompares and other sites, but of no use. I am 28yrs old. I don't know what to do, I love to drive and want that car so bad? Do you guys have any idea? Should I go and check out with my bank for insurance and stuff? please help?""

Cancer Victims that do not have health insurance in CA. What can i Do?

My mother inlaw has cancer in her stomach and has now spread to her liver and hip bone:( but does not have good health insurance. She has no income. Please let me know if there are any programs we can look into to help her. THank you!

How much would my car insurance be ?

Im getting a car in a few weeks ( sitron caxo forte) its for free of my girlfriends grandad. I need to know what else its going cost me though, because all the car insurance websites make me fill out to much information and I don't even have the car yet.. I will be 17 in a few weeks and it will be just me driving the car.""

Affordable health insurance in NC?

Hello everyone. I have been a few months without health insurance and I know I need it. I am looking for some affordable insurance, health, dental, and possibly maternity? I am not pregnant but I want to take some preventative measures just in cause, I know it can be expensive. I keep looking but $700 and such a month is really not in my budget right now. So does anyone know of some cheap insurance? I'm in NC. Thanks everyone!""

Adding a new driver to insurance.?

In Ontario, if a new driver was added to insurance on a 03 dodge caravan how much would it be about?""

Motorcycle insurance for 18yr old first vehicle(sportbike)?

I am considering purchasing a 2007 Kawasaki ninja 250r. I was wondering how much insurance would be for me(18) if it was my first vehicle . I have no prior car insurance history. And I just got a motor license.

What the average price for insurance on a Lancer Oz?

Lets say for someone under age 25 with a clean driving record living in Minnesota

Car insurance more expensive for men?

I'm twenty five and looking to get my first car, a small 1.3 Nissan, anyway i checked the insurance and it costs 3250 for one year, that sounds extortionate, no? I then went back and done a quote for a lady driver who just turned eighteen January just gone - it would cost 1750. Is that not sorta wrong?""

Car Insurance and Credit Cards?

In less than a year I'll be getting my own credit card and I'll have to have car insurance. I am trying to find the best credit card and car insurance for me so that I won't have to spend money and time later to change it. I am unsure what kind of credit card is best. I am going to try and will most likely succeed in having the best credit. What credit card do you suggest to a high school student who will go to college and to the armed forces. Also I want to know which car insurance offers the cheapest car insurance, I want one that offers rewards for students, safe driving, clean driving records. Any help will be much appreciated.""

Primerica life insurance help!!!?

ok well i was currently covered under Primerica untill Febuary, when i was terminated due to non payment. What are the steps that Primerica takes to reinstate a policy.""

Will car insurance cover a moped accident?

I was rear ended by a moped. The rider forgot to hit the brakes and nailed the back of my car. She broke my tail light and there's scrapes on my bumper and quarter panel. The rider didn't have insurance on her moped but has liability car insurance for her car. Her insurance company is refusing to pay for my damages, stating her moped is not insured, therefore they're not covering any damages. What should I do? I got a quote for $380 to fix my car.""

How should I go about getting car insurance? (20 years old)?

I have enough money to buy my first car, I'm going for a car with a small engine around 1.2-1.6. when getting insurance quotes however, the cheapest quote i've found is around 1700 quid. help?? surely i can get insured on my own car for less than this?""

How much will I have to for car insurance?

I'm 19 and I just got my permit. So in 6 months I will have my license. By then, I will have car. Which insurance will be cheapest and how much would I have to pay a month? I know nobody can put an exact price on it, but maybe an estimation?""

Car insurance problem?

yesterday crashed my car into the back of a young man in an old Y reg ford escort no damage to his car just a loose exhaust which i am giving him money to get fixed. But my car Y reg Peugeot 206 1.4 quicksilver, the bonnet has gone so will have to buy a new one. if i go through insurance to get my bonnet done will it affect my annual insurance cost? at the moment it is 800 how much do you think it will go up by. by the way i am only 18 this is my first year of driving under my mothers policy.""

CAR INSURANCE FOR A 16 YEAR OLD?

would it be more expensive for car insurance for a brand new car or a used car.

Rising insurance premiums?

what would happen if (on the 1.1.12)all honest vehicle drivers with rising insurance rates just said no i'm not paying that much, its dearer than last year SHOVE IT then carried on driving""

Looking for a health insurance coop in California.?

Anyone know of one not related to working at a company or for the government?

Insurance doesn't pay or wanna fix my car?

a drunk guy hit my parked car and he had a suspended license and the car is under his girlfriend's name. Now the insurance says it cant do anything because its under the girlfriend's name. now i dont know what to do

The course of insurance and risk management deals with what?

Works as who?

What would my insurance be if i got a crotch rocket?

im 17 and have my license for a car. i was thinking about getting my motorcycle license. what i want to know is, how much would the insurance be if i bought a crotch rocket? yes, i know how to ride one.""

Best way to get car insurance?

I have heard that it may be better to get car insurance from a broker rather than online. I am 18, and I want to get my own policy. I am currently a named driver on my dads policy, as it is much cheaper to do it that way but I want to buy a car in my name and start earning my own ncb. I currently drive a Jaguar X Type and the insurance costs 2100 from Tesco (with my dad as the main driver). It would cost me about 3200 to insure it myself with Tesco. I want to get a smaller car that is easier on petrol and road tax, but I am having trouble finding a realistic quote. I am thinking about either a Smart Roadster coupe, a honda civic or ford fiesta. With Tesco, I dont get 1 year ncb as I would have done with Direct Line, and the insurance would be OK if I did. Its tempting me to lie on the insurance if I cant find a decent quote (under 2000), although I wouldn't want to. Can anyone offer me any advice on how to find cheaper car insurance or recommend any companies ?""

Will my inusrance go up with a speeding ticket?

The other day i was driving and got pulled over for going 80 on a 65. i live California. I am 19, a student, and this is my first ticket ever. I was wondering if my insurance would go up. i wanted to hide it from my parents, if insurance goes up then i wouldnt be able to hide it. Also, anyone know what it would cost me? If i do driving school to erase it, would it still make insurance go up?""

""Spouse suspended license, live together, can I get auto insurance?""

Actually, it is my son in law who has a suspended license. My Daughter's policy was canceled and she wants to start a new policy, but she says that no insurance company will touch her because she lives with someone with a suspended license. Is this for real? Sound like a bunch of hog-wash to me. She lives in Massachusetts.""

Do I have to have my mom on my car insurance?

I recently bought a car(mustang!) and I was able to get a pretty low premium, do I need to put my mom as a additional driver? She has her own car and her own premium.""

Car insurance help needed?

I'm 16 and a male and I need to find out how much insurance would cost on a 2000 Monte Carlo SS. I heard that pod grade help so I have roughly a 3.3 GPA in HS

Can i sign up 2 cars with the same policy? for car insurance or it has to be separate?

i have 2 cars and i have 4 years no bonus claim, and it was fine and everything, today the insurance company phoned me and said i can only use my 4 years claim on one car only and if i try insuring the other car it would be like no claim so it's like you just received your license with no experience. do you think i could sign one car with an insurance company and the other car with another insurance company?""

Question about health insurance?

My fiance got a job that has health benefits but I dont have health benefits, so how can I get onto my fiance health insurance and how much would it cost??....""

Car insurance for an 18 year old?

When I turn 18 I'll most likely be getting a car. I'm living in NJ and just want to know how high the insurance would be. Also, would previous driving experience help? Like I drive a moped, I don't think it would do much, but would the insurance go down, even a dollar? I'd just like to know.""

How much does a person need to pay per month for car insurance?

How much does a person need to pay per month for car insurance?

Can I teach Yoga in the U.S without buying insurance for my students?

I have been teaching Yoga for 10 yrs, I recently moved to the U.S and planning to start a studio.Any help is greatly appreciated.""

Car insurance question?

My fiances insurance is OUTRAGEOUS on a truck he has liability only on ..due to his driving history. He's paying $300 a month (for liability ONLY now) ..my insurance on my car, for full coverage is not even a fraction of that a month, even though my cars value is at least $10,000 more than his. My question is can we put his truck in my name and I'll go to an insurance company and get liability only on and list myself as the only driver. We are expecting a baby and I'm sick of us throwing away that much money a month for CAR INSURANCE! Is this illegal? I mean if I'M the owner and I'VE insured it what can happen if he wrecks or something while driving it and is not listed on my policy? We live in Georgia if that's relevant!""

Classic Car Insurance?

I am 23 years old and I have a '76 Camaro and Im looking to find classic car insurance. I have applied to various places and they say they can not cover me because I am under 25. I have an '06 mustang I drive for daily use and my current insurance on that does not have special classic car insurance. I do not want to pay over $40 a month for a car I will drive maybe once a week if even that. I am trying to restore it so sometimes I will not be driving it for months at a time. Does anyone know of a good classic/ antique car insurance that will cover someone under 25 years of age? Thank you!

How much do you pay for car insurance?

I pay $525/month. Reason? I like playing bumper cars with real cars. Everytime it goes down, pow right in the kisser, pow right in the kisser, pow right in the kisser, pow right in the kisser, pow right in the kisser, pow right in the kisser""

Whys my insurance suddenly so high?

right ive just turned 17 and yes i know blah blah blah but what ive been doing is on gocompare just looking for possible cars on ebay then checking the insurance to find the cheapest ones. now iv managed to go from over three grand to cars which were about 1800 but then today every single car iv check was over 3k even cars yesterday quoted 1800 i also noticed that elephant and admiral used to be the cheapest by thousands but now they dont cover me and when i went to admiral direct they quoted 4k i havent changed any details any ideas why this is :)

Average monthly car insurance in Vegas?

I'm loking at getting a 2001 bmw 325i. (no my parents arent buying this for me. its my money that i earned at work). I'm an 18 year old male. If you could give me a general idea of how much id be paying monthly that would be GREAT. I do vote people as best answer so if i like your answer ill give you 10 points :)

Am I getting ripped off for car insurance?

Got my car insurance bill. I'm on a family plan with my mom and my sister. We did it because we were told it would save money. I'm in my late 20's, drive an older car(a ...show more""

Who pays $200.00 for car insurance?

I just got a Nationwide quote for car insurance and it was over $200.00 for the monthly payments. Im just now getting my own car/car insurance(in my name), Im a female in my mid-twenties, had my first two speeding tickets last year. Plan on getting a 2007 Pontiac G6, and I will be driving it to work and school. is $200.00 a normal monthly amount to be paid for me?""

Should I sue my parents...?

When I was 4 years old I was in a car accident and my parents had a settlement with the drunk drivers insurance and recieved 100,000 dollars for me. At such a young age I didnt really know what was going on and they told me that it had to be put up till I was 18 and I couldnt have it. Well that money is no longer there and I am now 20. As I grew up they told me that it all just went to lawyer fees but obviously I am old enough now to know better. I found out from other family members that they just blew it. I am now married and have three month old baby and I could have used that money to help get a house for us or help with the financial problems that come with being a new parent or newlywed. Should I sue them to get what was mine to begin with and if so how do I go about it and what are the chances that I will win?""

Are insurance policies safe...?

I have a life insurance policy on myself that will hopefully take care of a minor. How safe is it now?

How does car insurance work for a student learner?

I'm 21 years old and I just got a permit to learn driving in the state of Illinois. I do not live with my parents, I live with my aunt and uncle who have a car and have auto insurance. How does auto insurance work for someone in my situation? The car I'll be using to practice is not of my parents, and I myself have no auto insurance (I don't own a car or have a DL, obviously) Is auto insurance attached to the car and not the person? Suppose I'm driving a car which has auto insurance of my aunt and uncle, is the car still covered by the insurance? When I take the drivers test using a car that belongs to my aunt/uncle, they will obviously not be present in the car. Will I need to have car insurance at that point to be able to take the exam?""

Car insurance for 16 year old?

4WD jeep wrangler 1995 16 year old female I'd like to know the geico price preferably but if you can tell me what it would cost around it'd be great!

Thinking Of Insurance For A Car Even Know Im 15.?

Hi There For Ages Now i have been looking for an insurance site that does not have an age restrictor on it Because i am thinking of my first car. I Know quite abit to do with insurance im not a noob e.g ( I Will not be insured on a Nissan Skyline Lol ) Anyway .. I Was just wonderin if any 1 had any sites they would just giv out a price and not ask for your age. I Want my first car to be aither: A Citroen Saxo 1.2 or 1.0L , A Vaxhaul Corsa B Or C 1.2 Or 1.4L Or A Pugeote 106 1.2 , or 1,4 < This 1 I really want The 1.4 Engine. If There Is no such insurance site without an age restrictor Could somebody tell me what price it would be for the 106 1.4 L As A New Driver Please . Thanks And Hope You Answer. :)""

Looking for a health insurance coop in California.?

Anyone know of one not related to working at a company or for the government?

Cheapest Car Insurance Companies For A 17 Year Old Boy?

i got given a quote for 1307 for a 1.1L Peugeot 206 2004. that is for when i get my full license , is that a reasonable price??""

Auto Insurance in Ohio?

I'm going to be getting my license soon. Do I need auto insurance if I'll be driving one of my parents cars that already has insurance, or do I just need it if I have my own car?""

What is a good and cheep health insurance?

i only need it for a month i'm 19 years old and in good health. oh i live in florid

Insurance Quotes vs Age Gender Income Etc?

Hi, Currently Insured through State Farm and paying $250.00 a month for Full Coverage. Im 20yrs old. I have a 2006 Chevy Silverado 2500 hd 4wd , making 40k-50k a year. Insurance is a little too much... Am i over paying?""

""When you buy a used car, are the licence plates previously on the car the new owners? And about insurance:?

how does someone legally test drive a car if they had no previous car or insurance and also how do they drive it from the dealership to their home?

How much car insurance a month for a 16 year old?

I live in the state of Louisiana. My family has Progressive. I plan on driving soon.

Car Insurance Online Chat?

Does anyone know if there is a car insurance company that offers online chat with a representative? If so, which one? A lot of the ones I am looking at ask for all of your information and if when I call others they put you on hold for a long time!""

""What agency will investigate fraud, abuse or illegal activity in government medical insurance programs?

And how will the Judicial system be made affordable for persons who are living in poverty?

Car insurance after drink driving ban.?

hi, i was banned for 18month for drink driving when i was 16 ( i know very stupid) i am now 25 years old soon to pass my test how high will my car insurance be what would be the best, cheapest car for insurance, please constructive answers I know drink driving is VERY BAD i was 16 and very stupid, thanks for any answers.""

Does anybody know cheap autoinsurance company????

Does anybody know cheap autoinsurance company????

Is there a place I can get affordable life insurance?

Is there a place I can get affordable life insurance?

How do you get insurance?

How do you the following insurance Health insurance dental insurance homeowner insurance car insurance life insurance I know health insurance, dental insurance, and life insurance you can get as benefits from your employer. How do you get car insurance and home owners insurance. How much does health insurance pay for if you had to go to the hospital. Do you get medical bills from the hospital for you to pay how much you have to after your insurance pays for most of it.""

""Am I required to add my 16 year old student driver to my auto insurance policy, we live in Illinois.?""

As the student drivers parent, is my current auto insurance coverage in effect and still valid (for me and my 16 yr old) when my 16 year old student driver is driving my vehicle (supervised driving\practice), even though I have not added them as a driver on my auto insurance policy. We live in Illinois. After the student driver receives their official drivers license am I required to add them as a driver to my auto ins policy, or am I and this new driver still covered by my policy because I have given them permission to operate my vehicle?""

Does state farm have good life insurance?

Does state farm have good life insurance?

Best/cheapest car insurance for new 20-something year old New York driver?

20-something New York driver - I need car insurance. If I get insured here, it's bound to be THOUSANDS (probably around 5) :( Who do you suggest I go with? How's esurance?""

Will my car insurance be affected? Please help?

My friend crashed my car and she got charged with DUI, my car is totalled. I was in the passenger seat, but not driving. What will happen to my car insurance?""

Auto Insurance in Indiana?

I have had Progressive for many years and no claims.We do deserve cheaper rates because of our age and driving record and low mileage. I recieved a much lower quote from Indiana Farmers Mutal Insurance. I have a 2000 Tahoe that is like right off the show room floor and I understand most companies are allowed to relace parts from a junk yard or for much lower than would it would cost unless it is under 2 years old. Has anyone placed a claim with either of these companies and what was your satisfaction? Because of the condition of our Tahoe, which is perfect and just over 30 thousand miles and a limited edition, who has ideas on the best auto insurance out here in Indiana?""

What kind of insurance coverage should Geraldo and Marina have for their family?

Geraldo works full-time to take care of his family. His wife, Marina, stays home to take care of their two young children. What kind of insurance coverage should Geraldo and Marina have for their family? Explain why.""

I got a ticket which doesn't put points on my license. Could it affect my insurance rates?

I was a passenger in my friend's car when he was ticketed for having an open container of alcohol in the backseat. This occurred in Illinois, and the text of the relevant law is at the bottom. He was ticketed for violating section A; I was ticketed for section B. I confirmed with the very nice lady at the DMV that no points will be placed on my license since I was the passenger, but she was unsure as to what kind of report will be sent to the Secretary of State's office to be added to my driving record. So, here's my question: since I'm not getting any points for this, is it likely to affect my insurance rates? I can see both possibilities - on the non-affect side, it's a non-moving violation, but on the yes-affect side, it involves alcohol (albeit peripherally in my specific situation). If the consensus is that it will make my rates go up, I am going to try to get court supervision. If not, I'll try to save the extra money that would cost. Sec. 11-502. Transportation or possession of alcoholic liquor in a motor vehicle. (a) Except as provided in paragraph (c), no driver may transport, carry, possess or have any alcoholic liquor within the passenger area of any motor vehicle upon a highway in this State except in the original container and with the seal unbroken. (b) Except as provided in paragraph (c), no passenger may carry, possess or have any alcoholic liquor within any passenger area of any motor vehicle upon a highway in this State except in the original container and with the seal unbroken.""

How much Is car insurance for a 21 year old in the uk?

I cant drive yet but have a provisional. my friend has been driving for 3 years. We are both 21. He will teach me and said I would have to get insurance on his car for 6 months. Does anybody no how much this will cost a month. He drives a vauxhall corsa. Full Stars 4 best answer

What would my insurance cost?

If i am a not yet insurednew driver and already got in a accident under someone else's insurance what would it cost for insurance roughly if i was to apply for some

What would be the best car insurance company to go to?

What would be a great car insurance company to go to? I am an 18 year old, male, just got employed and now I'm looking to get car insurance for an '87 Chevy Blazer. Any suggestions?""

Car insurance coverage?

Will the insurance of a driver pay off for a non family member's vehicle that was totaled if he has total coverage for his vehicles? The vehicle that was crashes has a lien against it & only has liability insurance. However, the driver that wrecked has total coverage for both of his vehicles. He has USAA insurance which looks like good insurance? There is GAP insurance on the wrecked vehicle. My question, how do I get the ball rolling on this? I live in Oklahoma, the truck is sitting at a savage yard in Killeen, TX , the primary driver (a soldier) is in a military camp in Virginia, the soldier that wrecked the vehicle is living in Killeen, TX. I signed for the loan, my name is on the title. I haven't ever driven this vehicle. The salvage yard said they sent registered letters to the Oklahoma motor vehicle department. This sounds like it could take months and months to settle. Meanwhile, I need the primary driver to continue make the payments. They are not agreeing on who shuld""

How expensive is it likely to be for a 17 year old to get caravan insurance?

I have obtained my licence e.t.c for caravan towing and was wandering if you knew how much it would cost me to get insured on a caravan?

What is the cheapest car to insure for a 17 year old newly passed driver ? ?

What is the cheapest car to insure for a 17 year old newly passed driver ? ?

Looking for a health insurance coop in California.?

Anyone know of one not related to working at a company or for the government?

https://www.linkedin.com/pulse/can-i-sue-my-car-insurance-broker-brian-turk"