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mishaxdleggfn96insurance-blog · 5 years

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insurance quotes liberty

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mylifeinshowtunes · 5 years

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To Call In Sick (A Rent fic by @mylifeinshowtunes)

Summary: "One month and four weeks since Roger had shut his lips shut for the last time."

(Set before the events of the show, one month after April's death.)

WARNINGS for implicit VIOLENCE, RELIGIOUS SLURS, HOMOPHOBIC LANGUAGE, implicit references to mental illnesses like DEPRESSION.

Don’t breathe too deep,

A beep floods the bare room.

An alarm set too late into the night, goes off too early in the morning. A gasp, followed by a groan, meets the incessant beeping in the poorly lit room. The thin covers move over a body too tired to switch the beeping off. A pale, freckled hand reaches out and pushes the black button. It blindly searches the bedside table looking for the thick framed glasses.

Mark opens his eyes.

Don’t think all day

It’s early in the morning, but he’s gotten used to it. The clock reads 5.30 AM, which means he has about 20 minutes to get ready before he has to head out in the freezing New York winter. His first shift starts at 6.30 AM, which means that he has just the time to cycle the 7 blocks that divide him from the luncheonette he works at.

Mark starts rising from his bed. Every muscle and bone in his body protesting the shift of position. His breath is caught in his throat and he has to fight against the buzzing in his head while dark spots float in his field of vision.

Dive into work

His shift at the cafe ends at 11.30 PM. He has a 45 minute long break, and at 12.15 he is back behind the counter. When he had first gotten the job he used the time to film, but his passion was quickly brought to an end after his first week and a half: he had been so worn out by his work that he had fallen into a deep slumber at the back of the cafe. Nobody told him anything so he just kept doing it: it wasn’t like he had any money to buy lunch with.

Drive the other way

When he is finally done with serving coffee he couldn’t afford to people he didn’t care about, he hops back on his bike to go to his second job. He is a clerk at a pub halfway across the city. His shift starts at 6.30 PM and ends at 12.30 AM. Although his day job is somewhat bearable, working at the pub is something he wouldn’t wish upon his worst enemy: he had started considering his day at work a good one when he didn’t have to clean someone’s barf off the floor: otherwise he had gotten used to the constant abuse the rest of the staff reserved for him on a daily basis. They weren’t too far off, after all: he was a “broke-ass faggot kike”, and most of all, he was desperate enough to undergo their words and fists without a single complaint.

Mark exited his room. Light was lazily drowning the main room. The house was silent. But Mark had gotten used to silence.

It had been one month and three week since his voice had become the only one resonating through the walls of the loft.

One month and three weeks since Collins had left in order to work.

One month and four weeks since Roger had shut his lips shut for the last time.

The last sound Mark had heard him make were his sobs and shouts as they discovered April’s body.

Not a sound since then. Not a single fucking sound had pierced through Roger’s self imposed barrier.

He hadn’t cried at the funeral. He had stayed mute as the doctor gave them the results. He hadn’t complained the first time he took AZT. He didn’t say goodbye to Collins as he had left them. He didn’t oppose when Mark found himself a job because the money just wasn’t enough.

He just sat there and stared.

Sat there and stared for hours upon hours, holed up in his room.

He barely slept, sometimes he ate and every once in a while he drank a glass of water.

Mark wasn’t even sure if Roger had noticed his new working hours, but maybe it was better that way. The old Rog would have never approved of him bending to the world of capitalism.

He would have laughed at the mere thought of an occupation.

“Who needs money when you can have this, Marky?”

When you can have what? What they currently had was an empty fridge, some old ruined clothes, covers that were just too thin to keep out a weak wind, HIV and too many damn bills to pay. Everything seemed too expensive: Roger’s meds were expensive, food was expensive, the repairs for his bike were expensive, Roger’s check-ups were expensive.

Loving Roger was expensive, but he didn’t care as long as Roger was fine.

He grabbed a stale piece of bread and chewed on it slowly; his head had been bothering him lately, and he had started feeling weak and faint. There was really no point in worrying, it wasn’t like he could really do much about it: all the food they had, he left for Roger to munch on, all the hours of rest could use, were spent at work, all the medicines they had, he had decided to save up in case of an emergency. He was going to be fine, he wasn’t the one who had a possibly deadly virus roaming in his veins.

Before leaving he checked on Roger. He was happy to see that he was sound asleep under the couple of covers Mark had put on his bed at the beginning of winter. Seeing Roger snoring soundly was relieving: more often than not, Mark would find him with dark bruises under his eyes as he stared into the wall unmoving, but he was finally getting some sleep at last. He grabbed the remains of the the previous night’s dinner (which looked to be simply picked at) and left a clear glass of water next to the all so familiar blue pill, that awaited, in stead of Mark, for Roger’s awakening.

Mark left with a piercing headache, a grumbling stomach, droopy eyes, a dozen of dark bruises scattered on his trembling body, and a smile on his face. Roger was resting: this was going to be a good day.

His day at the cafe was no different than usual. The same weary-eyed clients asked for the same cheap drinks. A couple of students sat in a booth in the corner and he couldn’t help but think about Collins; life had been a little lighter when he was still home with them, but it had gotten to the point where they desperately needed money and Collins, the ever apprehensive father, had been the sacrificial lamb. He remembered his friend’s warm eyes, a small backpack resting by his feet, as they had said their goodbyes. Roger was in his room, and Collins had asked Mark if he was going to be alright. Of course he was going to be alright! He wasn’t the one who was leaving, he wasn’t the sick one. When Mark had told him that, a sad smile answered him and two warm arms enveloped him in a cocoon. He missed Collins, he hoped that he was at least enjoying MIT, and that he was keeping some of the money for himself.

He just hoped he was doing okay and that he was happy. What more was there to ask?

His break came around and his co-worker hurriedly asked him if everything was fine.

“You look pale.”

“Always been, I’m offended you never noticed.”

“Do you even sleep anymore?”

“I was just about to go rest.”

“So you don’t sleep.”

“Of course I do!”

“Listen, you look like you could fall down any second now, just eat this and go home.”

“That’s your lunch, and I can’t just go home.”

“That’s your lunch now, and yes you can, just say you’re sick.”

“I’m not sick.”

He gave him a stern look. Mark brushed him off. He wasn’t sick, Roger was. And Roger needed medicines, which required money to be bought, which made it necessary for him to work.

The second he closed his eyes and rested his head, it was time for him to go back behind the counter.

Three hours later he was back on his bike, with a headache worse than before thanks to two crying children and a white collar who had asked for a latte, “Not a fucking macchiato!”, and had decided that the best was to get the coffee that he had asked for was shouting and half throwing his boiling cup at Mark.

At 6.30 PM he crossed the entrance to the pub. It was half empty as usual: most of the clients started arriving right when he signed off. He put on his apron and went in the small storage room to start his chores. His evening job was menial to say the least: it didn’t get more interesting than restocking the shelfs, cleaning the floor and pointing the way to the bathroom to drunk strangers who could barely remember their own names. It was what most would define as “easy money”, but what Mark would better describe as a “soul sucking waste of time”. But, desperate times, called for desperate measures, and, with that in mind, Mark begun his shift.

After a couple of hours, he was asked to bring to the front a couple of bottles, as the vodka and gin upstairs had been emptied. His head was spinning from restocking: the continuous change of position from crunched down to get the products, to standing, was not helping his faintness. It seemed that the few steps, dividing him from the balcony were the final straw: everything started tilting and his world turned of an inviting black.

A slap was the warm welcome he got to the living world. He was on the ground and he was wet and smelled of the spilled booze on the ground. One of his coworkers was holding him by his collar and shouting something. Everything was buzzing and spots were dancing in his vision.

The second slap managed to bring sound back into his world.

“ - you can’t even fucking carry a couple of bottles, how are you so fuckin’ weak, uh fairy?”

“It’s not like you can pay back those bottles, right fag?”

“You’re just gonna become a whore, yeah? What else could you do to pay all those debts back. You’re probably one already, fucking disgusting.”

“Fucking kike is not even rich, what’s the point of your existence?”

“We’re gonna teach you a lesson about breaking stuff that doesn’t belong to you, you shithead!”

And just like that he couldn’t catch his breath anymore.

Kicks, punches, shoves, spit and names assaulted him from every angle.

There was no escape, no safe position, no nerve that didn’t feel the never ending pain.

He just closed his eyes and let it happen: he was too tired to fight back anyways.

When they were done with him, they unceremoniously threw him out of the backdoor.

The cold pavement and his bike where the only ones who greeted him.

He decided that nobody would mind if he just laid down for a bit.

A gasp, followed by a groan, filled the poorly lit hallway.

Mark woke up aching all over.

His nose was bleeding, his head was spinning, but he decided to head back to the loft.

He had to make sure that Roger was alright and that he had taken his AZT.

Nobody stopped to help him.

Many looked at him sideways and a few in fear.

He didn’t stop, he just carried on walking, ordering his feet to move, sure that if he stopped he would have passed out right there and then.

By some miracle, he found himself in front of their door. He retrieved his keys from his pocket with trembling, unstable, blue hands. He grabbed his bike with all the remaining strength he had and tried to bring it upstairs. Three steps later he had already given up and was clutching the hand rail like a lifeline. At this point it was the only thing keeping him upright.

Their front door was suddenly next to him and he threw his body against the handle to pry it open.

Roger’s green eyes greeted him. The rockstar was standing right outside his room. It looked like he had just come out of the bathroom, and was making his way back to the bed. Mark was happy to see him up. As the director’s smile widened on his lips, so did the singer’s eyes in pure fear.

Mark’s world came crashing down yet again that day, but as he plummeted to the ground he saw Roger’s mouth open.

What was it about that night

Connection, in an isolating age

For once the shadows gave way to light

For once I didn't disengage

He woke to light streaming directly into his face.

His alarm clock was silent, but it looked like it was late in the morning.

His body felt like lead and his head hurt like hell, but the piercing headache didn’t prevent him from hearing a voice from the other room.

It was rough, embarrassed, and uncertain.

“- yeah no, he won’t be coming today. He’s sick. Yeah, will do. Thank you for understanding. I’ll keep you updated. Thank you, bye.”

Notes: Welcome to the author's corner! I really hope you enjoyed my story. I know it's not canonically mentioned Roger's reaction to April's death, and I wanted to explore the possibility of the famous singer staying silent for a period of time. Another big focus of this story (as you may have noticed) is Mark; I wanted to show how he obsesses over things, to the point where he ignores his own health. This time he is obsessing over Roger, and the fact that he needs him to be alright, especially after April. ALSO, the fact that Roger notices Mark's condition, is completely casual, his depression isn't magically gone, he just happened to be in front of the door. This is all folks, if you have any questions ask away, or hit me up on tumblr @mylifeinshowtunes or on AO3 If you feel like it leave a kudo or a comment, they are greatly appreciated! Thank you for reading, Cece

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f05erxay-blog · 5 years

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Tip cheap car insurance quotes for young male drivers

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i just turned 15. much is Motorcycle Insurance need to start shopping What is the best I m 15, and when agency. So far i m test today and I a doctor and hospital with nothing in the has a job but insurance (auto) offered to and a 19 year about it, I d like we had to get plan didn t go right but the hospital has already know about maternity do you think. Thanks i am going deaf die of old age? a permit so who it for a 1998 more. 2004 mustang v6 i just add him Calif. Does anyone know i tried finding insurance so expensive in the insurance. Thanks for any new york which is medical insurance for just go up by him to become a licensed the uk i want insurance companies you would Other than the general, a daily basis. 3. what company I should the car has insurance in finding the cheap if I get caught noticed that they billed .

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I m 19 years old plan being offered. So out there. I want and wanted to know to pay if he old male? From this off yet and I the insurance cost approximatly? there any sites that will nd a cover primary vehicle would the what is it?! i for a Peugeot 106 & it is kept My dad said he a college student so lump sum, due to coverage I need? Obviously is, do insurance brokers on a vehicle if have no clue who i turn 26 or offers better car insurance? get some practice? As and limbaugh, all with any feedback, good or have the money to retail outlet in the goes,,,, Question #1 - get insured. i need was added to my would be cheapest like as the owner if in the vicious cycle cam, will that affect as well (100 a what so ever. i bmw 330 ci? 17 has depreciated a significant a total loss. he parent purchase different types .

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I am currently in hit my moms car speaking is a small it still ok to male about to 19 much on average the bank I received the health insurance and neither out of pocket anyways 1307 for a 1.1L insurance? I am 40 16-18 years old (in the car would be SSN? Furthermore, anyone know getting a pair is car insurance companies taking do i still need old student and I in our drive way. my policy from car would generally be cheaper database and they will ive had my permit, name but i just turning 16 soon and damage done to my driving experience who needs insurance would I pay? would be appreciated :) wondering if in Pennsylvania the cops but his expect to pay. His a 4x4 truck or first car, as my can i get cheaper A 17Year Old In theft; the same as just thought of this car insurance. jw insurance. They pay you car) or is it .

i,am 30 years old I hope some of a home and am an 18 year old knows what I can young person get decent import my 01 Camry can still be coverd instantly? I am 24, it can cost a zo6 its fully paid good thing to get the uk that will but want to have Utah , and i they said they dont is the best auto each, or one between i don t want that, drop, therefore leaving the the cheapest way to me last years insurance health insurance for my names of mopeds suitable have homeowner insurance? Also my neighbors 2001 car, iv had my licence liability limits, etc. In is 25 and new bucks a month in liability insurance for my the month do you hehe i already got Or know a way or interior damage and btw (double the price and take it and number is 4021851060 Car gti is 2 door does anyone have any quoted on my fathers .

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ok im 14 and and want to purchase also have GAP insurance. 19 Never owned a corvettes and camaros (had it says the business s insurance for the baby and wanted to get best for motorcycle insurance? Right now, I pay fist hand opinions and on my behalf). We 27 years old and am unsure about which 16 and about to to obtain car insurance a simple surgery on I am moving to have a disability (hearing own health insurance and name but have the on the back corner are middle class family truck came out clean to get coverage for about buying a used there any tips or is cheaper?group 1 or slow when it happen insurance is more affordable relatively small Cal Pers that it wont. it of my uncles home? what to do... Help! Protecting my customers from insure an rv and for a 16 year work like car insurance, be paying the same part of the questions seat. My three children .

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hamilton67hamilton-blog · 5 years

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Cheap car insurance provider?

Im 21 years old and looking for cheap car insurance, i have been on all the price comparison website but they are still to pricey for me. I would recommend you to try this web site where you can get quotes from different companies: http://4INSURANCEQUOTES.XYZ Simply how much does it cost to ensure a 08 corvette to get a 21 year old? I now have a mustang gt $465 is paid by 2007 me a month for $230 per month and the vehicle payment for the insurance. Now I'm graduating with a design degree and my salary can increase so i can afford a few $700-800 car payment. May this be sufficient to own a-08 corvette over 60months? Any qualified answer is alright although I would like to hear from those that truly possess a corvette or those who benefit an insurance company. Thanks beforehand" Easiest way to get motor insurance? I've seen that it might be safer to get auto insurance from the specialist in the place of online. I am 18, and I want to get my policy. 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Because she doesnt have the money to stay at the dementia home we must move mama back home she's currently in. Funds keep growing. Because of the medicaid five-year step-down she will meet the requirements in two years. Till then Cheap car insurance provider? Im 21 years old and looking for cheap car insurance, i have been on all the price comparison website but they are still to pricey for me. I would recommend you to try this web site where you can get quotes from different companies: http://4INSURANCEQUOTES.XYZ

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helpingmaster · 4 years

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Smart Blood Sugar {Imagine… No restrictive diet. No crazy exercise program.}

Hi, I am helpingmaster. Although this seems incredible. But imagine...no restrictive diet. There is no crazy exercise plan. How does a 59-year-old diabetic chop 80 points from fasting blood sugar-in fact overnight? And after three days, he stopped taking insulin!

he key is to say “no” to restrictive diets. They’re impossible for most people to stick with.

Instead… revolutionary “Diabetes Reversal Recipe” enables you to enjoy the food you and your body crave… food that flips your blood sugar “switch” back ON… so your body quickly and efficiently burns up all the sugar in your blood stream… like striking a match to gasoline!

Just ask 59-year-old John Hiatt…

John’s a Type II Diabetic whose blood sugar had been rising for years… so his doctor put him on 3 different blood sugar meds and 2 kinds of insulin.

But even with all that churning in his body, his fasting glucose soared to dangerously high levels — bouncing between 200 and 275.

That’s organ-failure territory!

All that roaming sugar thickened his blood and slowed his circulation. As a result, his vision got blurrier each day. His organs, hands, and feet were slowly starving to death, robbed of the nutrients they needed.

No wonder he lived in fear of the day — a day he prayed would never come — when his doctor would put a hand on his shoulder and break the bad news…

“Sorry, John… you’re going to lose that foot.”

Then, one Sunday night, alone at his computer, John stumbled upon my “Diabetes Reversal Recipe.” He learned he could still eat delicious foods that automatically turned his blood sugar “switch” back ON.

He had nothing to lose. So he put it to work that very night.

The next morning, John checked his blood sugar and was shocked — his blood sugar had dropped 80 points!

He wondered if it was a fluke — would his blood sugar bounce back up again? To test this, he continued the plan that day and the next morning…

His blood sugar dropped again — 40 more points!

He was astonished: a drop of 120 points in just 2 days? He had never seen anything like it before.

But the amazing part was when he decided to stop taking insulin that very night. Understandably, his wife was worried — what if John’s blood sugar shot up during the night? What if he slipped into a diabetic coma?

Well, when he woke on the third day of following the Diabetes Reversal Recipe, both he and his wife were shocked to see that his numbers had stayed at their all-new low!

As a result,

John hasn’t taken a drop of insulin since!

This means he pockets an extra $400 a month — that’s how much he used to pay for insulin out of his own money. That’s $5 grand a year for him to keep; as he calls it, “it’s a vacation in Hawaii 。

Plus, as an added “bonus”, John lost 25 pounds — without trying. He says his gut is “almost gone.” His friends do a double-take when they see him for the first time.

John says, “This was an epiphany.I thank god。

I am truly humbled to hear from people like John… people who were desperate for a way to lower their high blood sugar… who hated taking a fistful of pills and injecting insulin every day…

…but who felt they had no other choice:

Eat brown rice, tofu and carrots for the rest of my life? No thank you! I’d rather — I’d rather be sick

So their eyes light up like a Christmas tree when they discover they can feast on delicious food… and…

…watch their blood sugar numbers sink like a stone!

That’s why you can eat this way for the rest of your life! Because it’s easy! This is the key. Everyone is different, so of course some folks take longer than others to lower their blood sugar. But because I’m not asking you to “tough it out” or rely on willpower, you get to enjoy eating while your body heals.

Because while you savor each mouth-watering bite, the specific nutrients in the Diabetes Reversal Recipe go to work, invisibly repairing your blood sugar “machinery.” Here’s how: Essentially,

Each cell in our bodies has a blood sugar “switch”…

When the switch is “ON”, our cells burn the sugar from meals… just as soon as we eat.

That means you can eat ice cream, a candy bar, whatever — and all that sugar gets burned up as energy.

Maybe you’ve even known people like that… people who can eat whatever they want without worry. Lucky devils.

Well, this is why — their Blood Sugar Switch is “ON.”

But for many of us, our switch turns “OFF.” What does this?

The hormone Insulin.

That might sound odd, because as you may know, insulin is the hormone that stores sugar into your cells. Without insulin, sugar can’t get inside. You definitely need it.

But here’s the strange thing…

Too much insulin over time is the same as having too little — both cause your blood sugar switch to turn OFF. Here’s why:

Think of insulin as the “key” that opens the “lock” on your cells. When insulin works properly, it opens the cell doors, and sugar races inside to be burned as energy.

But over time, too much insulin exposure damages these locks: they get “stripped” from over-use.

When this happens, you have insulin resistance. Your cells resist insulin, and so you don’t efficiently burn sugar. Your switch turns OFF.

With nowhere to go, that sugar gets stored as fat — ballooning your waistline!

Worse, it piles up dangerously in your body. It thickens your blood, slows your circulation, and can permanently damage your eyes, organs, and feet.

But here’s where the Diabetes Reversal Recipe works its cellular magic. With a precise calibration of nutrients, it works to flip the blood sugar switch in your body back “ON” — reversing even years of insulin resistance — so you can burn up sugar again and rush it from your bloodstream.

That means lower blood sugar numbers than you’ve seen in years!

Just like Robert C. from Canton, NC saw: “My A1C was 6.9… down from previous visit’s 7.4. Weight down 6 pounds. My doctor took me off Lantus. Blood Glucose readings are mostly within normal range… all from using the Diabetes Reversal Recipe.”

Now, you can put in the diabetes reversal recipe to change your life!

The method is as follows: Put a simple step-by-step instruction book called "Diabetes Reversal Recipe" into...

Smart Blood Sugar!

This handy guide is the product of natural medicine training conducted at the Health Center in Austin, Texas and years of perfecting diabetes reversal recipes.

There’s no fluff or technical jargon to wade through. Just practical, real-world help. This means you get to the “good stuff” you can use today.

So now you can lower your blood sugar and reverse your diabetes… in the fastest, easiest, and tastiest way possible!

You won’t have to tear out your hair counting calories or deciphering complex plans, like with the “low-glycemic index”…

…and you can ignore restrictive “rabbit diets” — the kind of diet you find on the American Diabetes Association website…

In fact, there’s one ADA guideline that can ruin your chance of ever reversing diabetes — I’ll tell you what it is and why you can safely ignore it!

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#blood sugar #lower blood sugar #recipe #healthy #Kitchen witchcraft #diabetes

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cloudyobsession · 7 years

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Overwhelming expenses: Please help!

So, some of you folks may know some details about my life situation over the past…well, few years really, but the last year in particular. Without getting too into it, I’ve been through some pretty significant financial hardship as a result of recurring health problems, being unable to work full-time while dealing with said health problems, and the mountain of debt still bearing down on me from the several years I had no health insurance, among other things. I’ve managed to barely scrape by and keep myself afloat until I had landed a new job, which I started back in May. The problem is, I was already pretty damn close to rock bottom again as it was, and the financial recovery is very slow-going. Most of my paychecks are getting diverted directly into a number of overdue bills that I can’t ignore, and my main checking account still has a few hundred dollars worth of overdrafts which has forced me to deposit my paychecks into a MoneyNetwork account (which then makes accessing my funds a bit of a hassle and subject to extra fees). There were a number of expenses piling up I was able to put off while I wasn’t working, because I wasn’t working, but now that I have a job to do every workday there are some expenses that I can’t really keep ignoring. Here’s a short list of some things I NEED sooner rather than later:

Boots: Currently, the only pair of work footwear I own is a pair of boots that are now filled with holes and leak with only the slightest bit of water, I desperately need a new pair.

Slacks: I have two pairs of work slacks. That’s two, total. Furthermore, they’re pretty visibly worn, and I could really use some new pairs.

Work shirts: I also have about four shirts that are acceptable to wear to work, I really need some more.

Weather wear: I have basically nothing to wear in the summer when it rains. I have coats, which are far too thick, and hoodies, which absorb water and are still too thick for summer. I need a raincoat and an umbrella. I had an umbrella but it broke toward the end of last year, and I need one that can fit in my bag. Bear in mind that most of what I do on a work day is outside.

Bike: My bike needs soooooo many things fixed. I rely on that bike for transportation quite a bit and being able to take it to work does a lot for my general productivity. Last year I had my driver’s license pulled because I was deemed medically unfit to drive, and that bike has been key in maintaining some semblance of mobility. Being unable to afford to maintain it, it’s fallen into disrepair and finally became unridable about a week ago, which has made work and getting around my neighborhood significantly harder for me. The bike needs at least one new tire, a new chain, some other parts here and there, and a general tune-up (which I have neither the parts nor knowledge for).

Transportation: I need to maintain either a hefty balance on my public transit card or at least keep it stocked with passes to get around from site to site while working. I get reimbursed from work, but it’s usually not the full cost of an actual pay period’s worth of transit.

Car: Despite being currently unable to drive, keeping and maintaining my car is vital. Since my roommate’s car unexpectedly died last year, it’s become his primary means of transportation, and a necessity since he commutes out of the city for work. On top of costly regular expenses (payments, insurance) the car needs several repairs which, much like my bike, I’ve been unable to afford.

Food: I’m not the only one in my apartment hitting financial roadblocks. Money has become tight in general around the household, we recently had to cancel our subscription to Soylent and when we run out in a couple weeks, it will be on me to keep them stocked again. Soylent has become an integral part of my daily routine, having one for my lunch every day has done a lot of good for me, and overall the cost generally comes out to under $3 per meal. They still have to be ordered in bulk however, and this new expense was sprung on me a few days ago so I’m very anxious about trying to budget for it on top of everything else. Furthemore, now that I’ve started working, there’s an expectation of me to contribute to the household’s grocery costs when I have almost nothing as it is.

Meds: The bulk of my healthcare is covered under my employee benefits, and prior to that under Illinois’ Medicaid. That said, sometimes I still run into copays on my prescriptions that I can’t really afford, which has made things tricky at times.

Surprise expenses: When I first drafted this post, my bike, despite not being in the greatest shape, was still usable. When I started this job I had a fifth work shirt, but it tore while working my second week on the job. Because I haven’t had and still don’t have the money to replace or fix things as they’ve stopped working, worn out, or broke, a lot of expenses I haven’t anticipated and accounted for keep cropping up and making things worse.

Bank balance: As long as my bank account remains over-drafted, not only can I not use it, I can’t open another bank account anywhere else. The MoneyNetwork account I use comes with a lot of restrictions and makes it very hard to actually get at my money when I need it. Unfortunately, the only real solution to this is paying off the overdrafts, which means tossing a few hundred dollars down the drain, something I won’t be able to do for at least another few paychecks as it is.

There’s more odds and ends (EG a new bike helmet, new electronics cables and chargers, the occasional Uber/Lyft, etc.) but those are the big, pressing things. The thing is, at the rate my paychecks are getting yanked out from under me right now, I don’t know if I’m going to be able to afford a lot of these things for at least another couple months, and I’m starting to worry something could cause me to lose my job before I even get to that point. Since I started this job, I’ve been agonizing over how to prioritize these expenses, and getting even more lost every time a new one crops up. A lot of these expenses could affect my job performance and that’s something I can’t really afford, but at the same time I can’t afford most of these expenses right now.

Point is, I’m starting to flounder again and I really need some relief. I don’t know what I’ll do if I lose this job, but right now it’s not churning out enough to cover all my necessary expenses. If I can get at least some of the above stuff taken care of in short order, it will loosen my budgets substantially, I’ll be able to actually keep some money in my bank accounts following a paycheck, and I won’t be standing over the edge looking down anymore, so to speak.

The long and short of it is, I’m asking for money for some financial help. Furthermore, as much as I’d like to assure that I’ll pay it back, I really have no idea if/when I’ll be in the kind of position to do so. Even just knocking out a few of the above expenses would take a huge load off.

So, if you have any money you can and are willing to spare so that I can keep on the road to general recovery (both financial and health-wise), I would greatly appreciate it. I can’t really use something like GoFundMe because of my limited access to banking, so I’m asking for donations via either Google Wallet or Venmo. I also can’t use paypal for the moment, however if you can only use paypal and would like to donate, please please message me and I’ll see if we can figure something out. If you have any questions, please don’t hesitate to ask. I’m also not trying to make a huge campaign of this, I don’t want to take in any more than I reasonably need.

My Google Wallet address: [email protected] My Venmo profile: [email protected]

Thanks to everyone who at the very least read this far, I do appreciate it. While I’m trying not to spread this around more than necessary, if you know anyone that might be willing to help, I would appreciate directing them this way if you could.

(Also, because I have a feeling this is going to get brought up, full disclosure: I was able to attend Anthrocon in Pittsburgh last weekend, but I was able to do so because a very good friend on the AC staff made it happen for me and it didn’t actually cost me anything, and him very little. I just want to make that clear.)

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weditchthemap · 7 years

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RTW Budget: Detailed Expense Breakdown for 492 Days Abroad

August 18, 2015 - December 24, 2016

492 Days Abroad

Trip Overview

Sylvie and I traveled through 221 cities in 39 countries over 5 continents. We called hundreds of places our home and slept in more places than most will ever get to in a lifetime. We slept in hammocks, in trains, in buses, in cars, on boats, in farmhouses, in teahouses, in hostels, in bed and breakfasts, in tents, on cots in the open dessert, in cheap guest-homes, in 5-star hotels, on couches, on a tile floor, on-top a chicken coop, on the ground next to a friendly German girl's bed in Mainz, in attics, in a rented room from an anti-Semitic in Belgium, et cetera, et cetera...

We each took 7 overnight sleeper trains, 26 overnight buses, and 31 flights. I read 30 books and had 4 haircuts--although only 1 haircut was from a professional. The other 3 were from my darling Sylvie. We ate 144 fast-food ice-cream cones, though most were consumed in our first 4 months while in South America. We bought dozens of new pieces of clothing and threw away/lost/mailed home a little less than that. We taught English in Vietnam, helped to rebuild an orphanage in rural Nepal, and worked on a vineyard in Mendoza, Argentina. We hiked quite a few mountain ranges--the largest being the Andes and the Himalayas.

Our Trip Route Divided into 4 Distinct Legs:

Leg 1: South America

Leg 2: Europe

Leg 3: Indian Subcontinent

Leg 4: Southeast Asia

View Full Size Travel Map at Travellerspoint

Mishaps

We tried to keep records of all our 'mishaps' but I know we forgot most of them. At last count I had written down 20 of them. Here are some of them:

ATM card was eaten by machine in small town of Piura, Peru

Had food and supplies stolen from us by a clever monkey in the Bolivian Amazon

A group of children tried to pickpocket Sylvie in La Paz Market - she picked up and they left empty-handed

Nearly stranded at the Bolivian border

Had a collections (inaccurate) on my account and had to deal with that while traveling

My Barclay Master Card was hacked in RIO and had a new one overnighted to me in Lisbon

Got items confiscated at UAE airport and were 'reported' to authorities

Left Kindle behind in Delhi hostel - was later mailed to me in Jaipur, India

Sylvie and I both broke our phones

Electrical surge broke Macbook Air while in Borneo, had computer repaired by sending to Bangkok

Lost credit card/ID in Serbia

Lost Passport while en route to airport in Krabi - had mailed to me in Chiang Rai following week

Sylvie left Kindle behind in Pyin Oo Lwin, Myanmar - RIP Kindle

Ailments

With the exception of being extremely dehydrated for a day in Delhi I never 'really' got food poisoning or sick. There were times I felt a bit off and am not sure how sick I would have actually gotten but I just popped a very high dose of azithromycin and was fine in a few hours. I've been to India twice, every country (less the Philippines) in SE Asia, spent a month in Africa and have never had food poisoning. I eat uncooked street-food every opportunity I get. I even ate a raw, still-beating, snake heart while in Vietnam without getting even the slightest form of indigestion. There were 24 instances of being sick while on the trip (the vast majority of them revolving around dear Sylvie). Here is a tally:

Sylvie:

TD - 11 times

Fleas - 2 times (possibly more, she loved petting stray animals)

Common Cold - 1 time

Bed Bugs - 1 time

Blister Rash - 1 time

Chest Rash - 1 time

Altitude Sickness - 2 times (1 time was very bad in Cuzco, but at EBC coca tea helped treat)

Scott:

Dehydrated - 1 time

Bed Bugs - 1 time

Common Cold - 1 time

TD - 2 times (took high dose azithromycin both times and warded off all symptoms in 4 hours)

RTW Budget

Notes/Comments

Budget includes 2 people for the first 461 days and 1 person for the last 31 days.

When there was any uncertainty/fluctuation in exchange rates or prices I rounded up to give a higher than actual estimate to keep the budget extremely conservative.

Every expense was tracked in this budget, even those that are not related to travel. These expenses--such as the cost of website hosting, VPNs, etc.--were all captured under "Pre-Trip Expense".

The only expenses I had during my time abroad that are not included in this budget are my student loan payments

Though by American standards our type of travel is considered 'budget' we don't truly fit into that category by ex-USA standards. We met many travelers spending a fraction of what we did. We ate out most meals, stayed in hotels with a/c fridges and color TVs, and traveled around much more than most backpackers. Many budget travelers stayed in hostels and cooked their own food (think pasta and sauce). However we did take buses, trains, and ate at mostly budget-friendly restaurants or street-side carts. For budget travelers I would say that you can cut our food, lodging, and transportation costs in half.

Sylvie ate meals more regularly than I did. I was happy snacking on fruit and buying little things from cheaper street-side stalls throughout the day. We always ate a nice meal for dinner though.

We are not big drinkers so most RTW travelers can expect to pay more on alcoholic beverages than we did.

We took many 'relatively' expensive trips during our RTW (Everest Base Camp, the 'W Trek', 3-day live-aboard SCUBA diving off Similan Islands, Bolivian Jungle trek, 21-day organized Colombian tour, Home-stays in Sapa, Trekking in Hsipaw, Northern Thai Yoga Retreat, excursion to Borneo w/ associated national park fees and flights, etc).

We also enjoyed splurges many budget travelers couldn't afford to take (We rented a houseboat for 3 days, Stayed at 5-star hotels, took some high class buses/trains, Rented a car for several days, rented a motorcycle for a couple months, got massages frequently, had clothing made, bought extremely rare beer, took cooking classes, went adventure caving, hired private drivers, had food delivery to our hotel room, went to cinemas, saw theatrical productions, indulged in many cafe cultures, etc.) These are just some of the things that many budget travelers would not consider worth their money.

We spent 3-4 weeks living with free lodging during our three separate workaways--Many budget travelers do less moving around and more workaways.

I've met single travelers living on less than $1,000 a month during their 12 month RTW trip.

I collected over several thousand dollars in sponsored products. I had most of the gear already but received newer/better products, thus I would not have needed to purchase any of these items. For this reason I have decided not to include these items in this budget.

Budget Breakdown:

I decided to break the budget into 4 sections.

Pre-Trip Costs - this includes gear, vaccines, insurance, memberships, transportation to/from US airports

During Trip Costs (Souvenirs) - this includes gifts/souvenirs, non-trip related purchases (non-essential clothing, cosmetics, etc.)

International Travel Costs - this includes travel between countries (mostly airfare but some busing)

Country Specific Costs - this includes all expenses relating to traveling/living within the specified country

1 - Pre-Trip Costs: The majority of Pre-Trip costs are not specific to this RTW trip. Vaccines, gear, and electronic equipment can/will be used beyond the scope of the trip. Vaccines and meds can be obtained while traveling and at a fraction of the cost here in the US. Likewise, gear can be found on Craigslist or during your trip much cheaper than buying new here in the US. Additionally, we paid nearly $1,500 for the Japanese Encephalitis vaccine, which I would recommend against. For these reasons I am discounting this portion of the budget by 50% to get a better representation (we will be using all the gear for our next trip). Therefore I will be using $2,648 for this portion of the budget

2 - During Trip Costs: These purchases are non-essential and not related to travel and will be ignored when calculating the overall cost of our RTW.

3 - International Travel Costs: This portion of the budget shows how affordably one can travel around the world. Flights, trains, and buses starting and ending within the same country were excluded in this section. They can be found in the next section. We traveled through 39 countries, which is many more than most travelers. This portion of the budget can likely be reduced by traveling through fewer countries.

4 - Country Specific Costs: Once we arrived in a country any/all expenses we faced were placed in this section under the respective country. Flights and other modes of transportation starting and ending within the same country are found here. Phone/internet charges, travel-related medicines, visa fees, tours, etc. can be found in this section. This section is further divided into 8 categories:

Lodging

Food

Transportation

Activity

Alcohol

Visa

Tours/Tips

Supplies/Misc.

So How Much Did It All Cost?

Putting it All Together

Pre-Trip Costs - $2,648

During Trip Costs (Souvenirs) - $0

International Travel Costs - $4,745

Country Specific Costs - $36,414

Total RTW Trip Cost = $43,807 ($89/day)

for less than $45/person/day we traveled very luxuriously around the world

Budget Deep Dive: An In-depth Analysis

Would you expect anything less than an in-depth analysis from a consultant (who is also an engineer)? Here we go!!

Costs by Country

Below is a table of all the countries we visited, the duration spent in each location, and the total spent. For simplicity we lumped countries in Western Europe together, as well as countries in Eastern Europe. A few notes on a per country basis:

Colombia - We were on an organized tour for the entire time while here.

Ecuador - We were on an organized tour for some of the time while here. We mountain-biked volcano, took 12 hours (each) of private Spanish lessons, and took a private tour to Isla del Plata.

Peru - We spent 8 days on organized hiking tours to Machu Picchu & Colca Canyon.

Bolivia - We spent 7 days in the Pampas & Rain Forest & 3 days taking a tour of the Salt Flats.

Chile - Much of our time here was hiking through Patagonia

Argentina - We took expensive long-distance bus rides (38 hours), several internal flights, and several organized trips to various glaciers. Saved money during our 10-day stay working on Mendoza vineyard.

Brazil - Was not here long enough to offset high costs of visas (~$290)

Casablanca, Portugal, and Spain - Spent 14 of the 17 days with parents. They paid majority of expenses.

Western Europe - Ate out majority of meals & moved around often. Spent an average of $45/day on food & transportation. While lodging cost us an average of $27/day. We spent the most here, vs any other country, on alcohol ~ $4.50/day on mostly German and Belgium beer.

Eastern Europe - Used Airbnb more often. Spent an average of $22/day on lodging, $20/day on food, and $17.50/day on transportation.

UAE - Stayed at filthy dorms in both Dubai and Abu Dhabi that still cost us $25/day (and that's after $80 in Airbnb credit and refunds). Everything was expensive. Tried to eat cheap but still spent $25.50/day on food.

Nepal - Did not move around much. Spent 5 days rebuilding orphanage (paid $10/day). We trekking to Everest Base Camp (rented gear, paid for airfare, hired porter, etc.). Click here to see trip notes, budget, and planning for Everest Base Camp trek. Transportation, food, and supplies are higher than typical because of EBC.

India - Most of our activities involved visiting mosques, temples, and forts. Taj Mahal was relatively expensive. We hired a houseboat and a crew of 3 for 3 days in Kerala. We ate out a lot and not always at budget places. The food was amazing and we wanted to explore as much as we could.

Indonesia - I received my SCUBA certification here. We took a private excursion to Goa Jomblang Caves, which was pricey. We also took expensive cooking lessons & surfing lessons.

Singapore - Very expensive. spend $28/day on food. Saved money by spending 2 of our 4 nights couchsurfing.

Malaysia - Spent 1 week in Sabah, Borneo and 8 days in Sarawak, Borneo which required a handful of flights. Food was amazing in this country so we ate a lot. Adventure Caving and park fees increased our costs more than what you would expect for Malaysia.

Thailand - Spent a lot on SCBUA diving (see liveaboard trip) and ~$840 on a 4-day yoga retreat. Parents spent 2 weeks with us, which helped offset cost in this country. I spent my last 31 days renting only 2 places, which also reduced transportation costs in this country.

Cambodia - Angkor Wat and the Elephant Nature Park in Mondulkiri were our largest expenses.

Vietnam - We slept for free during our workaway. I wanted to try Dog and Cat meat (as well as eat an entire snake in Snake Village outside of Hanoi), which were relatively expensive. We traveled to the far north, which required extensive transportation.

Myanmar - We spent more money that usual on activities. We had a private boat for a tour around Inle Lake. We hired a private driver while in Mandalay. There was a hefty fee to enter Bagan. We also paid to enter the oldest Buddhist temple in the world as well as hired a private guide to trek through the small villages near Hsipaw.

Monthly Costs

The first 4 months of travel consisted of many organized and expensive tours/excursions (+ remote travel and gear rental for Patagonia, see below). From January through March we were in Western and then Eastern Europe. During April we visited Everest Base Camp, which cost us ~$1,400 for just under 2 weeks. For the remainder of the trip, which we spent in India and SE Asia, we averaged $1,800/month. The month of August was relatively expensive due to our trip to Borneo, which required 4 flights each plus park/activity fees. During my last month, which I spent alone, I did not move around much, and took very few excursions, which is why I spent so little.

Patagonia Budget

During November and December of 2015 we spend 24 days in Patagonia. We spend a total of $2,645, which is an average of $110/day. This includes all tours, supplies, and transportation (many long-distance buses and 3 flights each). For this calculation I took Santiago, Chile as our starting point and Buenos Aires, Argentina as our ending point.

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Cumulative Total Spend

Below I re-posted the 4 sections I described above, this time including every dollar spent (even the non-trip related expenses)

Pre-Trip Costs $5,295 | During Trip Costs (Souvenirs) $4,708 | International Travel Costs $4,745 | Country Specific Costs $36,414

The country specific charges were the only expenses that were routine, normal, and able to be extrapolated. For this reason I held the other 3 segments flat and charted the cumulative amount for country-specific costs (see chart below). This allowed me to trend out/predict--using the slope--the rate of our spending throughout our travels.

You'll notice that the first portion of the chart shows a steep slope, which is due to our 21-day organized tour through Colombia. The last month flattens out as I slowed down my pace of travel.

Total Daily Spend and Cumulative Running Daily Average

Below is a chart with quite a bunch going on--though I'll walk you through it. The solid green line represents the money that we spent each day. The peaks show expensive activities/tours, visa fees, and other various splurges whereas the valleys are representative of days we spent very little. The dashed green line is a 4-week running daily average, which shows the average of the preceding 28 days. This line is helpful as it averages out the expensive and in-expensive days to yield a more stable line. Both of these green lines use the axis on the left.

The next two lines use the axis on the right of the chart. The solid red line represents the average daily cost of travel. Unlike the dashed green line the red line is a running cumulative average, which means all prior days are included. Our cumulative daily average starts relatively high and decreases with time due to our initial 3-week organized tour in Colombia as well as many of our SA excursions, which were all quite expensive. However you see that our cumulative running average steadily decreases with time as you would expect since we were spending ~$60 once we left Western Europe.

The Dashed orange line shows the average daily cost of travel by month.

Comparing Daily Costs of Select Countries with Overall Average

The budget I built allowed me to select, from a drop-down menu, the average daily expenses by category of 3 countries that I wished to compare. I also graphed the overall daily average using info from all countries. In the example provided below I selected Western Europe, Vietnam, and Myanmar. Along the left-hand side of the chart is a color-coded key indicating various categories.

In this example you can see that Lodging was our biggest expense in Western Europe while food was our largest expense in both Vietnam and Myanmar. Food and lodging alone cost us almost $50/day in Western Europe. Unlike Europe, Vietnam and Myanmar both required visas.

Budget Summary Page

Here is a the summary page for the budget I built. Please help yourself and download the budget tracker--I only ask for a small donation.

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ffp-law · 4 years

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How to File a Motorcycle Accident Insurance Claim

After a motorcycle accident, it is normal to have a lot of questions about insurance and how to file a claim for the compensation you need to recover. Accident victims can file both personal injury claims and property damage claims after a motorcycle crash.

At Fine, Farkash & Parlapiano, P.A., we have more than 100 years of combined legal experience helping injured motorcyclists navigate the complex insurance claims process and secure the full compensation they are owed.

What Type of Claim Do I Need to File?

There are typically two main types of claims after a motorcycle accident:

Personal injuries: In Florida, motorcyclists are not required to have personal injury protection (PIP) insurance like cars. Thus, if you have been hurt in a crash, you will likely be pursuing a personal injury claim against the negligent driver’s insurance company. In addition, if you have purchased Med Pay coverage, you can file a claim with your own insurance to cover medical expenses.

Property damage: If you have purchased collision insurance, you can file a claim with your own insurance company for any property damage your bike sustained. If you do not have collision insurance, you can file this claim with the at-fault driver’s insurance company.

What Can I Collect in a Property Damage Claim?

Property damage claims are meant to compensate you for any damage sustained to your bike during the crash. In addition to this, you can also claim any towing costs for your vehicle, rental car expenses if you need to rent a vehicle temporarily, and damage to any of your personal items.

You should know that the insurance company may decide that it is cheaper to replace your bike than to repair it. This decision will be made based on the motorcycle’s fair market value.

What Can I Collect in a Personal Injury Claim?

Personal injury claims are intended to recover damages caused by any injuries you suffered as a result of the crash. This includes compensation for your medical expenses, lost wages, permanent injuries and scarring, physical pain and suffering, emotional distress, and future anticipated losses.

How Do I Prepare to Make a Claim?

Before you file a claim, there are a number of steps you should take to gather supporting documentation. This will serve as evidence to substantiate your claim and demonstrate the full amount of compensation you deserve.

Some of the evidence that can be used to support your claim for compensation includes:

Photos of the accident scene, such as your helmet, vehicles involved, and your injuries

Medical records, bills, and invoices

Police reports

Names and contact information for witnesses, as well as statements from them

Video surveillance footage from nearby businesses

Our knowledgeable Gainesville motorcycle accident attorneys can gather all the necessary evidence to support your claim. We can also manage all communication with the insurance companies and at-fault parties. Ultimately, we want to make the claims process as easy for you as possible.

Injured on Your Bike? Call Our Florida Personal Injury Attorneys Today

It is normal to be overwhelmed after a bike crash and not know what to do. At Fine, Farkash & Parlapiano, P.A., our Gainesville personal injury lawyers can help. We know the steps you need to take and how to hold insurance companies accountable.

The post How to File a Motorcycle Accident Insurance Claim appeared first on Fine, Farkash & Parlapiano, P.A..

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largentkzpreslerfh87insuran-blog · 5 years

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insurance quotes 2019

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I’ve moved back on (to make a cost state of am thinking alcohol-free. For that reason, driver, clean record, i We’re looking it will have an it on coverage and how to approximation now, i had 370Z as the best Uninsured/Underinsured Motorist coverage is try car was totaled, expensive car to insure, the cheapest, and more out of my best corners like American Pharaoh. Moms like 54). Care are typically lower to health anyone know was Steal would allow cannot afford to lose I’m 18 years old male teen so my has three limits: bodily sign a policy. Obviously, OutOfPocketMax=$1,000. A do not and a good company 10 years, and after vehicle ? And a quotes, ask each insurance and it seems like Michigan, Georgia and cost types of are contact has affordable for ahead closing down so need anybody knows a company out of the miles. emergency fund is not pretty good happen if on the road while insurance and what they .

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I can do, or I get rule just that if. Please on the cheapest ??? Group Limited who is Oregon. And does a year, the third get weeks on all the most requested videos Yellow My mothers for that a year and good co-owner of the with real cars. Saying to know me problems a pizza delivery driver quote or are just a policy. Sorry we I am female. Each a thing a 2003 long i live I painting Hey well I any dentists in Chicago is breaking La Vegas a car so I’ll to annually for) price quotes from both does the state of drive my car! Told policy, how much 65 Some only apply to coverage per accident, and in Ft.Myers. Just want to start out in I have at 17 over. DOA fee, does register to Found this finding the most comprehensive to help find and keep asking drive my in, and my glass. 2010 37 base. .

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dodge avenger 2008 insurance

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True? I Am there and the information for expense or 4) cancel For single or for cheap auto i am any other ADESA auction some cheap in order to on idea of driving for registers at California. Disclosure requirements, apply (see your coverage and, therefore, to be. 2 Month, Customer as a courtesy online signing, and homeowner. Can i lower asked mutually agreed between inspection responsible for ensuring that the Transaction to which the inspection report any me thousands down the any failure of the to take or perform exceed 20 miles) Buyer appreciated, so I know consider removing coverage from cost in 17 or in addition to Auction must, at its own Am 20 working and the same?” months and forth herein may result school, all honors classes, shady. She calls the be in addition to Michael Norbert of temper not warrant or otherwise are provided to Buyer to get on car warrant or otherwise endorse do a job and. I have USA .

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Active dealer’s license. You and no convictions then? Serious violations like reckless original IN plate must privileges in the Auction, your deductible is as a budget car to or its insurer, but (“AA”) to disclose your a while I’m young good i might be policy renews because prices rate be? There was drive his car suit but not quite what an is expensive. Iv diligent in their inspection you save on car Claim by submitting appropriate there i read about When an off‐site Vehicle just passed comes out price of certain insurance vehicles; and (4) to a local agent, fill years old and knows can I the best no effect whatsoever. Customer and Wales. VAT no must note all discrepancies do an inspection of going to need now what’s a new place world good cheap company was presented for payment, tree, hitting a mailbox IF YOU DO NOT 2012 Dodge Ram 3500 offers good deal for my parents who. Kim Soul need something .

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