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cliftonsteen · 4 years

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Renewing Generational Interest in Kenyan Coffee Production

Coffee production faces challenges all over the world. In Kenya, things are no different. However here, the age of producers could compromise the future of the country’s coffee industry. As most coffee farmers rapidly approaching an age when managing a farm independently could become challenging, an urgent generation gap has arisen.

To bridge this gap, younger Kenyans needs to get take up coffee production, and for this to happen, solutions must be found for the issues keeping them from entering the industry.

Here are some of the efforts being made to ensure that Kenyans keep benefitting from a thriving coffee industry – and that the world keeps enjoying its coffee for decades to come.

You may also like What’s Causing The Generation Gap in Kenyan Coffee Production?

A coffee farm in Nyeri, Kenya. Credits: Peter Wanjohi

What’s Keeping Young Kenyans Away?

Many complex factors have combined to make coffee production an unpopular pursuit for young Kenyans. Many of these factors have been years in the making, while some have arisen due to the unique conditions faced by today’s generation.

Farm succession is critical for production efforts to continue across generations. However studies show that many producers are reluctant to pass on their land to their children or grandchildren, leaving them without any land on which to continue farming. In addition to this, families experienced in production aren’t encouraging the youth to take up farming.

Farming is no longer being encouraged by older generations for many reasons. One is that family sizes In Kenya are shrinking. As a result of this, many families are choosing to educate their children and raise them in urban settings.

As this generation grows up, they tend to remain in the city to pursue white-collar jobs, as they’re seen as better paying, more secure, and being clean. Those that do consider coffee farming must balance high expectations of instant returns with reality. Many young people aren’t patient enough to make a long-term investment.

With coffee sales prices are at low levels and production facing challenges from climate change and market pressure, many feel that production is a high effort, low reward occupation.

Another factor that could be impacting a lack of attraction in this sector is that Kenya isn’t a coffee drinking country in the first place. Less than five percent of the country’s total production is consumed locally, which can be attributed to a strong tea drinking culture and lack of disposable income to spend on what’s perceived as a luxury.

Kenyan producers gather at a coffee expo in Nyeri, Kenya. Credits: Peter Wanjohi

The Way Forward

For coffee production to continue in Kenya, younger citizens needs to educated on the potential benefits of coffee farming – and they also need support at local and national level to make it financially and practically viable for them. Here are some of the measures being put into place to provide this.

Investing in Education

To address the lack of education being passed down from older generations, the Dedan Kimathi University of Technology’s Institute of Food Bioresources Technology has introduced a Certificate and Diploma course in Coffee Technology and Quality Management and Diploma in Coffee Technology and Cupping.

The institute’s farm has 75,000 bushes of combined SL 28, Batian and Ruiru coffee. This gives students practical experience covering the seed to cup process, as well as agronomy, trade, coffee economics, cupping, and quality evaluation. Here, students continuously research innovations on best practices to improve quality and price in the coffee value chain.

They’ve also developed a Coffee Technology Center managing processing, packaging, research, and training. In addition, they produce premium medium roast ground and whole bean coffee, and have acquired a Coffee Pilot packaging plant as part of their Vision 2030 flagship project. This will see them add value and build the capacity of stakeholders involved coffee value chain development.

Once students graduate, they can receive further training (as farmers and cooperative management boards) on best practices in Coffee Technology and Quality Management through customized short courses. The Othaya Coffee Cooperative is an example of this in action, with 19 small wet mills with over 15,000 members benefitting from farm management workshops and wet mill best practice training.

To tackle the challenges arising from rising temperatures make existing crops susceptible to disease, the institute has launched a Coffee Productivity Project in collaboration with Coffee Research Institute. This project is funded by the European Union, which receives the majority of the country’s Kenya’s agricultural exports. It provides coffee seedlings at subsidized prices, and promotes varieties resistant to coffee rust and coffee leaf disease.

The above efforts are helping address the lack of information that younger generations have on production, as well as providing them with mentorship and support they might not have access to. It also helps equip them with tools to improve their farming outcomes in less time. Most graduates are absorbed by farmer’s societies, coffee marketers, coffee dealers, and millers – further helping them realise the economic value of the commodity.

Ripe and unripe coffee cherries on a coffee tree. Credit: Miguel Regalado

Helping Farmers Increase Yields

While the above efforts are helping provide future farmers with the necessary education and tools to succeed as farmers, others are actively assisting them in setting up their own farms. One of them is the Cirigwa Farmers’ Cooperative.

This cooperative consists of two small youth groups, and was first founded in 2012. These groups receive training from a company called Sustainable Management Services (which is a subsidiary of the ECOM Agro Industrial Cooperation), which aims to help farmers increase their profitability and ensure better quality and traceability for buyers in the supply chain.

This training guides them on pruning, composting, spraying, and harvesting their crops. This allows them to help carry out these tasks on each other’s coffee fields. Together, they can purchase inputs, such as fertilisers, to increase yields on their farms. After some time, they can also become promoter farmers who can offer training in these skills to other farmers.

To tackle to problem of a lack of farmland and resources, soft loans are provided to producers so that they can invest in coffee seedlings. They can also jointly lease land to form a joint farm, and use the proceeds to buy their own farms or expand their existing farms in the future.

Since this project’s introduction, productivity on the involved coffee farms has surged, with reports mentioning that members have recorded tremendous change in terms of quality and quantity, and are self-motivated, with their coffee farms among the leading farms in the country. This helps to address the lack of motivation amongst younger farmers, by helping them see real results in less time.

Coffee washing station in Africa. Credit: Nicole Motteux

Staging Nationwide Interventions

While individual efforts are necessary to bring younger Kenyans back to coffee farming, support at a national level is required for lasting change to take place. In 2016, Kenya’s President Uhuru Kenyatta formed a Task Force on Coffee Reforms with findings and recommendations on coffee farming that will be implemented in the future.

These proposed changes were to be incorporated in the Crop Act of 2013 and the 2020/2021 season. It aims to tackle the high costs associated with entering coffee production in the country, with the aim of seeing producers pocket up to 80% of their gross earnings. This could motivate farmers to increase their crop quality and quantity – as well as attract more youth into coffee.

According to regulations, “the cost charged by co-operative societies to growers for pulping, factory expenses, transportation, milling, warehousing, brokerage, and any other expenses shall be as per the societies’ budget but shall not exceed 20% of the gross earnings from coffee sales.”

In order to ensure that there is accountability and a paper trail, the government will introduce four licenses, including ones for coffee nurseries, pulping, milling, and roasting. There will also be licences introduced directly targeting the youth.

According to Nyeri Senator Ephraim Maina, “The regulations are welcome and we must see to it that the farmer is not exploited anymore. We must get back to the old system where agriculture extension officers guided farmers in best farming practices. Cooperatives must also be strengthened.”

Raised beds being built at a mill in Africa. Credit: Nicole Motteux

Conclusion

Getting youth involved in coffee production will require local organisations, farmers, and leaders addressing the problem directly. This means that experienced farmers should get involved in mentoring the youth, and that government, agencies, and departments should take an interest in youth development initiatives.

By relinquishing some farming land to the youth and advising on how to operate in the sector, everyone will benefit. Additionally, extension services, workshops, seminars and forums, as well as advance loans and subsidies can also benefit this age group.

As Kenyan entrepreneur Vava Angwenyi states, When you’re dealing with such a volatile product, we want [young producers] to own the product more. The industry needs more radical leaders. Perhaps that’ll come from the next generation. At least, that’s what we’re betting on and that’s why we’re investing in youth programs”.

With most of the above mentioned efforts only just starting to be implemented, only time will tell how successful these initiatives are – but initial results are pointing towards success.

Enjoyed this? Then Read How Coffee Producers Can Adapt to Climate Change

Written by Peter Gakuo. Feature photo Credit: Nicole Motteux

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dealspoints-blog · 5 years

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Travel Pre And Post Internet

Travelling Pre Internet:

I've been travelling for over 40 years - simply by thumb in my early days, by boots in the Scouts, any Lambretta came next and then my first old banger followed by newer old bangers to the beaches of the Acantilado Brava.

My thumb, boots, bikes and bangers procured me all over Europe and the UK before finding that some sort of charter flight to Spain on an old 'Connie' gets me to the beaches and bars a lot quicker and allow longer to enjoy the local travel opportunities by horse and carry and the occasional bus and train.

'Go West together with Prosper' seemed to be a good idea so instead of taking an 8 an hour flight I took an 8 day transatlantic traversing from Tilbury to Montreal on the Stephan Batory involving Polish Ocean Lines ensuring that jet lag did not problem my travel plans. Some years later I entered the pond again on a ship but this time it was five times bigger and I travelled in style on the QE2 and dined in the Queen's Grill somewhat removed from my earlier practical knowledge. I highly recommend ocean voyages but cannot see me on one of the modern cruise ships going from port to be able to port with constant line-ups to get on and off to buy tonneaus. However , I have done 10 Windjammers and a Star Dog clipper cruise in the Caribbean which were all memorable (let's intend Windjammer Barefoot Cruises recover from their woes). But I just digress. I had read that Canada is a spectacular united states, from sea to shining sea, and my appearance into the St. Lawrence River to Montreal and then really going west in an old Econoline van from the Great Lakes, ponds, across the Prairies to the Rocky Mountains before ending up whale watching off of the Pacific Coast of Vancouver Island was obviously a trip of wonder to a bloke from London. Now the scenery is still spectacular and the best way to go continues to by road so rent or buy a car, mobile home or motorbike, take the train or tour bus keep in mind the maps, a fly rod, good boots and hurry. My favorite part of Canada / USA for adventure vacation has to be Northern BC / Alaska, to hike the very Chilkoot Trail in the steps of the goldseekers of 1898. The Northwest Territories to canoe the Nahannie Lake and the Yukon to drive from Dawson City to Fowl, Alaska. If you like the outdoors and can put up with a few bugs, team a fly and scale a few hills or get on endless dirt roads sharing the space with moose, caribou, elk, bears and eagles, then these are the main places to put on your list. The pleasures and goes through in driving to Inuvik on the Dempster Highway or even to Prudhoe Bay on the Dalton Highway or even the Canol Roads can only be felt by doing them. I would have brought up the Alaska Highway but now it is an easy drive compared with the aforementioned. Today the costs of driving these distances may perhaps mean that sharing the journey with others is required, yet RVing or simply vanning and camping is a great way to discover beyond the horizon. Some enroute adventures now has to be booked in advance whereas when I hiked Denali and the Chilkoot Pass it was just a case of turning up, registering along with the local ranger office and heading on out. Even more00 planning is needed for today's traveller and cost issues to consider of lengthy flights or drives have to somehow often be countered with more careful planning. In the days of reasonable petrol prices I would not even consider the driving or flying expenditures and have driven to Key West from the northwest shore, down the west coast to the Baja and to the actual west coast from New York. I once even travelled my 1946 Fleet taildragger from the Pacific to the Ocean and back using around 5 gallons an hour connected with avgas. Before the oil and credit crisis I had from Rio de Janeiro to Lima, down to Tierra del Ignición and back to Rio covering over 15, 000 distance of spectacular scenery and with no consideration about the expense of gas. South America should be on your itinerary too! Some other terrific drives that may now require a mortgage with the gas providers include London to The Nordkapp, Norway, Skippers Canyon around New Zealand and the loneliness of the far north with Australia and the amazing coast of Western Australia visiting at Monkey Mia and Wave Rock. We tend to fail to remember that the real cost of travelling is often less today as compared with over the 40 years of my travels. In 1977 my favorite round-trip airfare from Canada to Australia cost in excess of $1700 in 1977 dollars so today it is much less to fly, even with the airlines gouging for power, extra baggage, no service and no pleasure. The 'Big Mac' method of price comparison as developed by The Economist papers gives us a good gauge for most expenditures of today as compared to yesterday but my $1500 cost to get a private aircraft pilots licence in the 1970's seems cheap by comparison to now, but obviously not when using this Big Mac standard. Other travel costs are also far cheaper today but this absolutely should not mean that travellers should disregard the many methods of protecting costs that can then be put to extended or better travel experiences

Travel Post-Internet:

In my 40 years of take a trip I have had to use travel agents to make even the simplest for reservations and buy tickets, not even thinking to ask them if they happen to have "been there, done that? " It was just a instance of there being no other options to buying travel. Now we have indefinite choices and can seek out better travel agents, better prices, significantly better selections and information about anywhere in the world for our travels - without leaving home.

The Internet now gives travellers ideas and selection of Where to go, When to go, Why to go, What to do, Who for you to book with and How to save money and offset costs. We will search and find experts for every travel option. If we are usually comfortable with the Internet we no longer have to go to a travel agent in making reservations and buy tickets except to book with some of your larger travel companies that still produce glossy flyers and offer all inclusive packages or tours that only sell in the agency system. The Internet also allows those of us who are brilliant enough to know when to seek out a top travel agent with experience, experience and expertise (KEE skills) of destinations as well as activities about where to find them. There is no longer any really need to only use our local agents when we can find a person somewhere else in the world. When we do not need 'the knowledge' and can practice it ourselves we simply surf the web so that we can book immediately with tour and travel operators wherever we have went.

Some travel agents operate their own tours, some are both below wholesale and retail, some limit consumer selection by exclusively selling their 'preferred' suppliers and some have professional brokers with years of experience invested in gaining knowledge, experience and also expertise and are worth their weight in gold to the savvy traveller. Beware while, as some are also called destination specialists and some of these designations merely require the agent to take a rudimentary examine offered by tourism offices, destination marketing groups or even visit operators and in my opinion can harm the reputation of the travelling industry. A specialist is not necessarily an expert.

Travel is probably the a lot of used commercial aspect of the Internet and if retail agents prefer to harness this exciting medium to offer 'the knowledge' and the 'kee' skills to a global audience, not just their people, they must embrace the changes that are happening. Travellers now have the capacity to seek answers to the 5 W's of travel as well as important

'How to' save money

and offset costs injury lawyer toronto information just a click away.

And then it occurred to me that also internet travel prices often include a commission element regardless of whether sold directly to the consumer. If we book directly with workers we should not have to pay full retail prices as we are generally doing for ourselves what a retail agent would ordinarily do for us. A dilemma for the operator is that to indicate a both a retail and a cost price method could deter many agents from selling the services like travellers could use an agent for free advice and book instantly with the operator to get a 'net of commission' price. Of course this two tier pricing is not often available nevertheless travellers who do not need advice should also not be penalized by simply retail pricing. A new way had to be found and I think I have found them!

The need for

Deals Points

is why I developed the superior Travel Voucher program at The Top Travel Club and I possibly found a dot com for it. All travel solutions on the site are at 'net of commission' prices for users who handle there own travel arrangements directly with the travel operators linked on the club website using our voucher method.I am inviting travel operators from around the world to join the program, from B&B's, Motels, Hotels, Luxury Lodges, Eco Destinations, Beach Resorts and Tour and Adventure Operators who wish to promote their products and services to travellers who are at ease direct bookings and reservations.I am also inviting Travel companies with knowledge, experience and expertise of destinations along with activities to showcase their skills to a global crowd of travellers and to the members of this new go club. I am leery of 'specialist agents' and only really want experts to showcase their services.This opportunity can be found to the travel trade at no cost except for them to offer world-wide-web, wholesale or outlet prices to club members in addition to visitors to the website using top travel vouchers. I believe this method offers fairer fare prices to direct-booking travellers. The exact operator would normally be paying commission anyway now travellers get the savings because they make their own arrangements.

#Deals Points

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yourrainycollectorhologram-blog · 6 years

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Can I get refunded 7 years of premiums on a Life insurance policy with a Total Disability Rider?

I need to know if I can get reimbursed for the premiums I paid. I own the policy and didnt know it had a waiver of premiums rider due to total disability. The insured has been totally disabled due to a stroke since 2001 and has been on social security disability since that time.. Please help because I think American General is trying to give me the runaround. This is a term life insurance policy

Car insurance?

is it possible to have two inurance policies on one car?im wanting to get insured to drive my brothers car so do i have to be a named driver on his insurance policy or can i have my own?thanks!

How to get into a new Car Insurance?

About 1.5 yrs back my wife scratched another car while parking. The claim was settled using insurance. The expense was about $1500. Ever since that the insurance company, AAA, has been increasing our premiums by abt $35 on every renewal. Now I cannot switch or shop with other insurance company since they give quotes much higher than this company. But apart from this one incident we do not have anything else on our record. Also I get discount for Home+Auto insurance. The company increased prices on our Home Insurance too. I am badly stuck with this company now. I would like to buy Auto+home from one company itself. But I really cannot move my Auto Insurance. Please give suggestions.""

How much will my car insurance raise? I got into an accident I have state farm?

How much will my car insurance raise? I got into an accident I have state farm. It was only a small fender bender, I had ran into a girl, i only hit her bumper, there is only a scratch. My car has a broken cornering light and dent in the fender. I have a Ford Ranger and she also has a Ford Ranger. I got a ticket for following to close. What can i do? for the insuance and ticket?""

Is my health insurance tax deductible?

I worked for 4 different employers in 2012. I was a full time W2 for two and a contractual W2 for 2. When I lost my full time W2 job in January I bought my own health insurance. Then I contracted for about 8 months (W2). They offered my insurance but mine was less expensive and better coverage. Then I got a full time W2 job and opted out of their health insurance because my private coverage was better and cheaper. At what points, if any, was my health insurance tax deductible? From what I read it never was because I was always offered it by my employer.""

""When someone dies, does the family get money from their life insurance?""

When someone dies, does the family get money from their life insurance?""

What to do when a car insurance company refuses to pay?

My vehicle got slammed into while parked at my house. Two older ladies were driving and they took out 3 mailboxes, my neighbor's old truck, his tractor, and then my car. The older ...show more""

What do you need to insure a car?

I bought a car from a friend. Do I only need a logbook when calling the DVLA, just wondering if I need anything else to get the car insured.""

""If my mom adds me onto her car insurance, about how much would it go up?""

I'm 17 Shes with GEICO Its a Buick Rendezvous SUV (2004) Our zip is 33312 (South florida, if this helps for those answering that may be in my area) I have a clean record B Average in school""

Health insurance for the unborn?

Im under my dads health insurance until im 26. my insurance said they would cover me and my delivery, but wouldnt cover the baby. how can i get my baby medical insurance before she's born? (im aiming to get her on medicaid) but what steps do i take?""

State farm health insurance?

Does anyone have state farm health insurance? I've had car insurance with them since I was 16 and was considering getting health through them too, is it alright insurance or is it not so great?""

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Insurance!?

We are in the process buying a home and we ARE going to get homeowners insurance but I was just wondering if they make you get it? Also I was wondering if anybody knows if I live on a flood plain if i HAVE to get flood insurance too? THANK YOU!

Will a medical suspension raise car insurance rates?

My wife has a medical suspension and is trying to get her license back. She has 0 points on her record. I know if you are suspended for stupidity (DUI, reckless driving, ect) then your car insurance rates go up, but do they go up for a medical suspension??""

""Why don,t we have the auto industry make a car that won,t exceed the speed limit and not start?""

if driveris impared, reducing insurance, heath, saftey and legal cost

Hey looking to get my first car and pay for my first car insurance?

I'm 19 living in lake forest California looking to buy this car http://mobile.carsforsale.com/details.aspx?vid=164720610 Does anyone know how much my insurance might be ?

Do I have to have auto insurance when driving a uhaul?

Ok so My boyfriend and I are planning on renting a uhaul in a few months for our move from Florida to California. We currently do not have auto insurance. If we get pulled over will they ask for proof of insurance? Do we need insurance to drive a rented vehicle? Also does uhaul offer insurance? What does it cover and how pricey is it? I told my bf that you probably dont need insurance to drive a rented vehicle but he disagrees with me. So if you can help me prove him wrong I'd greatly appreciate it.

What are the insurance rates on a chevy S10?

it is a 2-door, v6, 2WD, extended cab truck, no mods, just stock""

Getting insurance on a bike?

I plan on getting a motorcycle near the end of February. I have never bought a motor vehicle before, so I'm not really sure about how I go about getting insurance. I plan on getting something used from Craigslist (most likely 2008 or newer Ninja 250/300), then either having the owner ride it to my home before I pay, or taking it in a truck or something. What do I do after that? How do I insure the bike? I will probably get Progressive. Also is full coverage worth the extra money, or should I stick with liability? I'm 17 years old so it will be more expensive for me than for others. I live in California by the way. Thanks!""

It is better to get my insurance or let my fathers insurance go up?

i got a speeding ticket and got traffic school from the court,the problem is my car and insurance is register under my fathers name so i cant take the test without an insurance in my name i am 17 yrs,so is it cheaper to get an insurance in my name at 17 or pay the ticket and cancel the scheduled court date for the traffic school (if possible) and let my fathers insurance go up about 10-15%?""

How much will my auto insurance go up after a at fault accident?

I has a at fault auto accident in California. My insurance policy is not up until July. They will not tell me how much it will go up until 30 before my policy expires. I am 19 (got my license at 18) and have no other tickets or violations. I currently pay $57 month. Should I be expecting a drastic increase?

Really dumb questions about car insurance?

This is my first time buying a car, and I have a question that may be kind of dumb. I live in Illinois, so it is illegal to drive a car that's uninsured. I don't have a car now, so I don't have a way of transferring insurance or whatever. - What do I do when I find a car and buy it and need to take it off the lot? I don't know what kind of car I'm getting, so I can't really get the insurance ahead of time. - If I did get pulled over for whatever reason, would the police be understanding if I just bought the car? - How quickly do insurance companies usually get you covered over the phone (particularly, Progressive)? - Do you have to pay a deposit? When? - When would my first actual payment be if I pay once every 6 months? I know these are dumb and basic, but please understand that I have never ever bought a car or gotten car insurance.""

Is car insurance sexist against males?

As an 18 year old man, I think that it is unfair that car insurance is higher for me than for some girl. Don't get me wrong, I love being a guy and wouldnt change it for the world, but even though I am a careful driver, I still have to pay more insurance simply because of the way I was born. I didnt even get a chance to screw up. If insurance was higher for blacks then they would be having a cow. What do you think?""

Does one speeding ticket affect your insurance rate ?

i got my first speeding ticket , i live in Utah , and i have state farm insurance so will it affect my rate ?""

""Had a car accident , no insurance ?

I got into a car accident and I have expired insurance. I was wondering if I could pay the late fee on my insurance and would they still pay for my car problems. And for it to get out of the car lot. PGAC is closed today

""What is the cheapest insurance company for a 17 year old male, fully comp on a 1-1.2L vehicle?""

Looking around for cars and I want to know where is the cheapest, so far it is 3800 cheapest anywhere. If you have insured a car at that age can you let me know what you paid and who with? Tips on getting it lower?""

How much do you think my motorcycle insurance will be?

I am getting the CBR125R 2009 HONDA! It's going to be black. I'm a 16 year old girl, and the bike costs $3,599.00 . How much do you think my insurance will be? All together what will it possibly total up to? Thank you!""

Is this a normal car insurance rate?

I got a car insurance quote today and said it would be $400 per month! Is that normal? I'm 18 so I get that it costs more for people who are younger, but do all young people pay $400?""

Where is the best place to get cheap car insurance?

Me and my girlfriend are new drivers and are looking for cheap car insurance on our first car, what is the best place to go just so we can legally drive?""

How much does health insurance cost?

I am from the UK and I am doing an assignment on whether medicine can be justified to have a price tag. As I have free public healthcare from the country (NHS), and I do not have private healthcare. I would like a guide as to how much health insurance would cost for a child, man, and woman with no health condtions. Please be specific and add more examples if you can.""

My friend needs to fake his death for insurance money?

any tips ?

Dose anyone know any cars with cheap insurance for a young driver (under 1000pa)?

Im looking for a car with a small engine so the insurance will be as low as possible. can anyone think of any good cars.

Will buying a previously wrecked car drive up my insurance?

Im a new driver and my parents want to buy me an Acura TSX. I found one online and went to test drive it and found out it had been in a moderate car crash, but had been completely fixed and repaired. I went to the mechanic and he ok'd the car for me. We want to buy it, but is the fact that the previous owner crashed it going to drive up the cost to insure it?""

Is the premium the only determinant of how much your health insurance costs?

Does the deductible matter? Does a possible subsidy change things? And most importantly, are you taking into account what you would have to pay out of pocket for things your junk plan does not cover? In the long run, even if your premium goes up but you get better coverage, you will save money.""

Life Insurance for a 40 Year Old?

I need some suggestions on what Life Insurance company to go for. I need one that's legitimate and affordable.

Car insurance black box (auto saints)?

I am going to have my car insured with a black box soon from auto saints, because it's much cheaper than any other insurance that I have looked at. My question is, after the second year does the insurance go down a lot with a years of no claims bonus (my friends say it doesn't) . So is it worth it? and do I have to keep the black box for the second year as well or is worth it changing insurance company after the second year?""

How Do I Get Medical Insurance...???

In my situation: I'm 16 and covered under my mother's insurance through the state because she has a disability- I'm moving in with my self-employed father who's covered by his wife's insurance (which is through her job). When custody get's switched over, I'm no longer covered by my mother, and my dad doesn't have his own plan. Since no one can afford 700 dollar bills every time I get a sore throat or tooth ache, what the hell should I do? Advice PLEASE.""

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How much would motorcycle insurance cost?

Hello, i'm 20 about to be 21 in december, but i'm gonna be going for my motorcycle license in a week, an planning on buying a kawasaki ninja 250R since it has good reviews, but i'm wondering how much it would be for insurance i'm just going for motorcycle license cause i don't like cars, trucks etc. but yeah so i don't have a normal license so i have no driving record of crashes etc. i'm in indianapolis, IN cause i know states vary. Rob""

SR22 insurance Texas?

I'm looking for a cheap SR22 insurance Texas, maybe some special price just for Texas State. Any info? And what's a medium SR22 insurance cost? Thanks""

Auto insurance for 18 year old ?

I'm looking for the least expensive automotive insurance and was wondering what would be the typical monthly payment for an 18 year old driver who has had one accident about one year ...show more

Can I get car insurance without a valid driver's license in the state of Delaware?

1. My License was suspended due to an ERROR that involves the Division of Child Support Enforcement... 2. My Ex-Husband said he will pay for my car insurance if I transfer the car title & registration into my name (knowing that my license is temporarily suspended). 3. * My Ex is a Wilmington Police Officer in the state of Delaware. * 4. I believe my Ex knows that I will not be able to get car insurance (due to the fact that he is a Police Officer), therefore, that is why he is willing to pay for it. 5. Any help will be greatly appreciated!... Thank You!!!""

Im 19 need health insurance?

Im 19 and I really need affordable health insurance. Neither for my parents can afford to put me on their insurance. Also i have a few preexisting medical conditions that makes it harder for me to find insurance.

What's a good health insurance option for a 22 yr. old male?

My boyfriend just lost his coverage under his parents policy and needs insurance that's pretty affordable but still covers things such as: -emergencies (of course!) -vaccinations -yearly doctor visits/sport physicals Any recommendations are welcome! Thanks!

""When changing auto insurance company, is there disadvantage?

I have an auto insurance with my honda civic si 2001. I got the quote last year from Johnson.Inc. comprehensive $230 every month. Someday they called me said some mistake with my quote and change the price without permission goes up to $400per month. I want to find another insurance company I mostly got quote around $300 comprehensive per month without deductable.But don't know do i have to pay any penalty or disadvantage to change it?

(uk only) who is the cheapest for car insurance?

im male, nearly thirty and full no claims bonus i live in manchester""

Should Keep or Look into term Life Insurance Quotes?

I have a whole life policy which I have been paying 45.00 per month for 16 yrs. I have to pay this amount until age 99 so they say. The amount it was for when I bought it was 50,000. It builds cash value. I am now 62. Should I keep this policy or look into term insurance?""

California speedin and no proof of insurance ticket?

It was dark and raining. I just came off the bay bridge in SF and am positive I was driving below 40 on the bridge and between 40-60 when I got off the bridge. The cop was on 80E past fremont exit. He said I was at 67 in a 50 zone and also did not give me enough time to look for my proof of insurance. He said lets make this easy and quick and cited me for speeding and for no insurance and not no proof of insurance. He cited both as non-correctable. It this accurate? I don't think his radar reading isaccurate. How can I challenge this?

Car insurance coverage?

So, my car was stolen from my driveway and was found crashed into two houses in a few towns over. My insurance policy doesn't cover theft/vandalism but it covers collision. Since my car was recovered from the theft but ultimately ended up in a collision, shouldn't I be covered? Professional opinions only, please.""

Do most health insurance companies go by date of conception for insurance coverage?

I read this somewhere when I was looking for independent health care insurance. I now have health insurance through my work, and coverage started on September 1st (I have United Healthcare through T-mobile, if that matters). I was trying to look up my coverage online, and it didn't say anything about not covering me depending on date of conception, but I did read somewhere before that a lot of health care insurances go by this (which I think would be really inaccurate and wrong, but that's just me....)""

California Minimum Insurance Requirement?

Stated from the California DMV website: The minimum amount your insurance* must cover per accident is: * $15,000 for a single death or injury. * $30,000 for death or injury to more than one person. * $5,000 for property damage. Now when I signed up with Progressive Insurance and I don't elect uninsured motorist coverage it makes me sign a statement that I elected not to do so and is below the state minimum. Do I actually need uninsured motorist coverage?""

""17-19 year old UK drivers, How much are you paying for your insurance?""

I recently passed my test, I am 18 and now looking for insurance that is cheap. Well... it seems that they are absolutly Bludy expensive!. I mean the cheapest one I saw was about 4500 year! :O So how much are you paying? Who are you with? and Are you insured as a named driver or main driver of your/your parents car?""

How much is teen car insurance?

how much would it be for teen car insurance? im a 17 y/o female in Long Island, NY good grades and will be taking the defensive course first. thanks""

Car insurance for older people?

im trying to renew my grandads car insurance,(hes 81) and looking for a cheap company that can beat his current price of 537pounds a year. thank you for any sugestions""

Got into an auto accident - how much can an insurance premium actually go up?

Hi, I got into an accident - was backing out of a parking space and hit a maintenance man on a golf cart. The apartment complex has filed a claim for the golf cart (it looked old) and the guy had a slight bump on his head (emt checked him out, everything looked fine but he went to the doctor) and he's filing a personal injury claim. My agent said no lawyer's are involved yet and it doesn't look like he's suing. There's also been damage to my car bumper but it's still drivable; hopefully I can pay out of pocket. I have no numbers yet, but I'm just curious - with accidents that you're liable for - how much could it actually go up a year? A hundred? A couple hundred? A thousand?! Thanks!""

Moving to France - car insurance?

I am moving to France next week and will be taking my British registered car. I rang my insurers who told me that they would only insure me 'up to the ferry' and after that ...show more

Health insurance help.?

So my father canceled our insurance last year and we have no health insurance. I know that this leaves us in a very bad spot. Im looking for some advice as to what me and my family should do. My mom is 40 and my dad is 38 my brother is 12 and i am 18. We make just under 60K a year. My father is a private contractor so we had an idea to try and get him business insurance that would cover my family. My mom had an idea to get a legal separation with my father to help keep cost down. I don't know how well any of that would work. I don't know very much about how health insurance works or any loopholes we can use. So i guess i need to know. a) How can we get cheap health insurance in New Jersey ? b) What are the best plans for people in my situation ? c) Is there anything i should know about health insurance to help my family out? Thanks so much in advance.

Car insurance stuff i don't understand.?

Hello everyone, I am an international student who's been in the USA (Buffalo, NY) for the past 2 years working hard on my masters (i'm 25 now). I bought a POS Saturn last year for 2000 dollars and, well, for that i needed to get car insurance since it's mandatory in this country. Since i was from abroad and i had a learner's permit at the time, i had to get insurance with my international license. Progressive was my only choice so i paid around 700$ for 6 months. That's the rate I've been paying for the last year. Unfortunately, i just don't have the money anymore to pay 700 more dollars for the next 6 months. I tried different insurance companies but they are all around the same range. Apparently, i was stupid enough to not get a credit card as soon as i landed in this country. I was raised with the if you don't have money, don't spend it philosophy so i just used my debit card. This is the only reason that i can see for these absurd rates. Every single one of my friends ( all international students ) pay around 200-250/six months dollars for their pieces of crap cars. I just feel like i'm not being given a fair deal. Not having any credit might put a penalty on me, i understand somewhat how a capitalist mind works... let's say about 100-150 more dollars for 6 months, but a whopping 500 $ ? Don't you think it's kind of messed up that first of all it's mandatory, and then there's no baseline to at least make sure that noone gets ripped off. Is there any way that a person can inquire why he is being charged so much(instead of the bs the agents tell you i.e your area is bad etc.)? Or are you at the mercy of these people?""

What are some healthcare insurances available for 63 yrs old?

My mom is looking for healthcare insurance.

What is the cheapest auto insurance for a new driver?

I'm 23, female, and a new driver. I don't care about the quality of the insurance, I just need CHEAP, CHEAP, CHEAP. A potential job depends on a car I'm about to get, and I need cheap insurance ASAP.""

Do I need to be on someone's auto insurance in order to get my driver's license?

I'm in my 30s and I want to get my driver's license. I had my permit years ago, but I never kept it up just because I always thought it was a hassle to get my license. People would tell me it would cost hundreds of dollars to get my license. So I personally didn't know, but I want to know for sure. After I get my permit, I know you have to wait a week, but as for auto insurance, do I need to be on someone's auto policy? Also if I don't have a car yet, how can I take the driving test? The reason I ask because I see so many people who never had cars who get driver's license just like that. I've even see immigrants with license and they don't even come to America with cars, so how do they do it?""

Will my insurance cover all my mole removals?

I know my insurance covers mole removal, but I have quite a few on my face and neck that I want removed. I'm talking to a dermatologist next week. I was just curious if they would cover multiple at a time. I'm talking like 20-30.""

Is it covered under insurance?

i want to change my old cavities to the white cavities to match my teeth. i hate to open my mouth in front of people because i have so many cavities. the thing is, is it covered under insurance and is it expensive?""

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