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Carbondale Colorado Cheap car insurance quotes zip 81623

"Carbondale Colorado Cheap car insurance quotes zip 81623

Carbondale Colorado Cheap car insurance quotes zip 81623

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

RELATED QUESTIONS:

Auto Insurance?

I live in California and I got an Insurnace quote for a new car from a Insurence company that is out of state. Is there a difference between buy a out of state insurance policy vs. a policy from a compnay in cali?

Insurance for first time male driver (16 years old almost 17)?

I'm two months away from being 17 and I'm looking at getting a 2001 E46 BMW 325i. Does anyone have a guesstimate or actual cost to insure myself? Would there be anyway I could insure myself under my parents name to lessen the price?

Would claiming on insurance/suing cause this guy to lose his job?

Basically, Iive in NY and a while ago I was driving to work when a taxi in the next lane floored the gas, then came into my lane too early, and smacked into the side of my car. (http://sphotos.ak.fbcdn.net/hphotos-ak-snc6/hs047.snc6/167708_1829137573885_1403718556_32066375_2647816_n.jpg the car was spun a few times before hitting the curb and i got severe whip lash, taking a few weeks off work which isn't good in my profession. I fully planned to make an insurance claim but my lawyer also suggested suing for dangerous driving. It has struck me however that this guy might lose his cab if I do so, and he is likely to have much money, while I could pay for the damages, or a new car. I don't want to make this guy lose his job, how would it play out?""

Cheapest Auto Insurance Humanly Possible?

I am a college student living on campus and want to have a car but will not be driving it much at all. I am just looking for the most basic and least expensive auto insurance I can find. I am 19 with no tickets or accidents yada yada yada. Where can I find some cheap coverage?

Health insurance for the poor in California?

Does anybody know how to get some kind of free health insurance in Los Angeles? I lost my job and want to go to school full time but I need health insurance. Med-Cal told me you have to be 65 or disabled

How can I sort out this car insurance issue in the UK?

I've been living in the UK doing some studies for 3 years. When I came to the UK, I didn't know how to drive a car. Also, I found it difficult to pass the driving test in the UK and afford private driving lessons. Few months ago, I went for a 3-month holiday in my original country, Egypt. There, learning how to drive is much easier and less expensive. Besides, issuing a driving license is not so difficult as the theoretical and practical tests are not so complicated. Therefore, I decided to learn and get a national license. Based on this license, I could issue an international one from Cairo that allowed me to drive in some countries one of which is the UK. However, when I returned to the UK and decided to by car, I found a proper one for 550. I decided to buy it, but I was asked to go online to get a quote from a car insurance company. I spent the whole night trying all the websites that my friends told me about. The shocking fact is that many of them refused to give me a quote because I hold an international license, not a UK one. Even those websites which accepted that requested a huge amount of money (i.e. not less than 1, 200-1, 600) which is much higher than the price of the car itself. I wonder if there's a way to sort this out or if there's any alternative solution that saves money for me. I don't want to go through any further driving tests in the UK. Also, I don't want to provide wrong data (e.g. having a full-UK license). Your suggestions are highly valued (serious answers please as I really feel down!). Thanks so much in advance!""

How much would motorcycle insurance cost for a teen?

Alright, so I'm 16, living in Ontario, but haven't decided what bike imma get yet, so can anyone give me a range of what it'll cost? Thanks in advance.""

Can i switch my health insurance policy -?

hello, i work for a small consulting firm , < 10 employees..on their w2. they provide me a group health insurance for my family (me ,wife and < 1yr old kid) and i pay around $900 every month without vision and dental coverage..all my contribution..and it is with united health care group now - with this new obamacare what options do i have 1. if i switch , will i get a cheaper coverage ? 2. what is that policy exchange ..i hear this a lot these days 3. if i had to switch my policy.who should i approach.. what would you advise for me..pleae advise me on getting a cheaper coverage""

Why would auto insurance go up just because of a divorce?

Years ago, when I was married, I had a brand new truck with a full-coverage policy costing $114 per month. I had a spectacular driving record, I was a 31 yr old female with a family, not a 19 yr old ripping up the streets. When we divorced, my auto insurance instantly doubled! It didn't just go up $50, it DOUBLED. Does anyone know why??""

Can my health insurance company do this?

im asking this question for my mom well shes 38 and she has a stroke at 35 the stroke affected the right side of her body and now shes incapable of doing most of what she could do before she had the stroke before the stroke she worked 7 days a weekatleast 8 hours a day and my dad was also working since the stroke my dad has been the only one working and he works as many hours as he can get but he also has health issues so its hard for him now our insurance company sends us cheques but their only like 400 a month that's not even enough to buy groceries for a month and well now they are trying to cancel that cheque to can they do this? the stroke isnt her only medical problem she has been sick for 19years inlcuding kidneyfailure stroke heart failure respitoryfailure and many operations doctors have talked to the insurance company telling them my mother is in no state tohave a job but they say no she can work

Buying car insurance for a used car?

im buying my first car, used. and all i have knowledge from are from the internet. i live in California. when i see tv commercials, i often see the buyer being able to purchase their insurance when they are on the CAR dealer. my question? when is it do you get insurance? BEFORE OR AFTER YOU PURCHASE A CAR? also when getting quotes online, you have to add the car that you OWN, so im guessing you have to buy the insurance after AFTER?, BUT the policy seems to start the day after you purchase your insurance, so does that mean your driving the car illegally for a day?? if you were to buy the insurance (online) before and have to add your car, im guessing you have to be SET AND SURE you are getting the car when your policy starts? none of my friends knows about this because their parents own it and they don't care about their insurance... im so confused. help me.""

Will health insurance cover scar removal?

Who should get my fathers life insurance?

My father passed away on Jan, 5th 2013. He has a paid in full policy amounting to $100k. When we figured out that my mother (his ex wife) was left the sole benifecary, we filed a claim. The insurance provider (John Hancock) denied our claim based off of a CA law that states if the claimant had been divorced, they essentialy get nothing. However, it clearly states in their dissalution of marriage, that life insurance should not be affected. My father would have wanted his children to have this...What action can I take, or should I just forget about it?""

Miguel's insurance company repair costs 80% of value. Sustained $8000 worth of damage what was value of car.?

Looking for a cool car but cheap on the insurance?

im 17, looking for a cool car have a budget of about 8000, but i need the insurance cheap because some of the ones i was checking out were ridiculous any ideas? thanks""

Car totaled. Other drivers fault but have no insurance.?

I was the designated driver for my friends. Was driving friends car home and got in a car accident. Other driver ran the red when I turned. She admitted to it to the police but my friend has no insurance. Will he be penalized and will he receive any sort of compensation from the other drivers insurance for totaling his car. He also has $1200 left with his finance company. Will they charge him anything even though he will pay the remainder off?

Insurance related question to a 1987 5.7L IROCZ?

Hello I am 17 years old and have saved up enough money to buy a 1987 IROC-Z with 350TPI, 140K. Now when I purchased the vehicle a year ago I could afford to insure it but was to young to drive. I was supposed to get my G2 permit in August. I've already prepared it for the road for the but I am in Ontario and the driving strike is still going on. And to top that off, insurance companies raised their prices! I can no long afford to insure the car when spring rolls around. My mom made a good good...why not insure the car under HER name at a DIFFERENT insurance company, and put me as a secondary driver? That way I can enjoy the great prices and hell I bet she can have some fun driving this car. The car would not be insured itself, it will only be insured incase I hit someone and damage them. Would this affect her insurance rate at her other main company( 2 cars,house,boat)? Thanks!""

Do you need a Car Insurance to get a license?

I'm Male 18 yrs old. I don't have a car yet. I finished taking DMV Written Exam. My problem now is the Behind the Wheel. My mom told me if she will include me in her Insurance, it will add her around $400 more. I'm planning to go to a driving school maybe to lessen the amount. My question is, if I would use the car of the Driving School, do I still need to have an Insurance? Any suggestions? Thanks!""

Can I apply for Health insurance and how?

Im only 17 years old and i no longer want to be under my mom's health insurance because im pregnant. So i was wondering what are my options for health insurance? i have no idea where to begin.

At fault driver's car insurance won't pay for my damages!?

Hey guys and gals, My wife was in a car accident on 10/8 driving our truck with liability only insurance (IE: not full coverage because the truck is only worth ~$3000 and it's paid for). She was turning right and had slowed down to turn (with her turn signal on) when a speeding truck slammed into the van behind her, ramming the van in to our truck. The police filed a report, in which the driver of the speeding truck (an 18 year old kid, that had just left his house less than 1/4 mile away) was determined to be at fault. It is worth note that this happened in front of two different auto body shops, and within sight of the house the at fault driver had just left. Their insurance company, state farm, finally contacted us on 11/8 after not returning our phone calls for nearly two weeks saying they had determined he was in fact at fault and would send an adjuster the following Monday. He came, inspected the truck, determined it was repairable, then said we would hear from their office later that day. When they called they told us the damage was more than 75% of the vehicles worth so it was considered total and they would send the required paperwork to my email address to begin payment. Within 3 hours, the claim agent we had talked to the previous Friday said an owner of one of the auto shops had came forward (all of a sudden, no mention of a witness before) and that he had a notarized statement saying the van struck our vehicle before the truck struck the van. The insurance company now will not pay us for the damages. We tried to call the witness and get a copy of his report because State Farm would not give us the copy. Then we called the other auto body shop and both the owner and one of his employees both seen the accident and say that the truck was at fault, and the owner overheard the driver say specifically that it was his fault. When we bring this to the agents attention, she claims this is not evidence because they know the at fault driver. We found out that the first witness also knows the driver, but can't prove it. Ours is a small town, you don't have neighbors that you don't know or speak to. It seems we are at an impasse, and I have been without a truck for nearly 6 weeks. What should I do in this instance? Get an attorney? Our insurance agency is adamant about not intervening since we did not have full coverage insurance. It may be worth noting that my wife has had back and neck pain since the accident and went to the hospital the day of the accident, the family doctor twice since, and has an appointment with a chiropractor next week (all of which our insurance has paid for.)""

""Average cost of renters insurance in midwest, 2 BR apt?

What is the average cost of renter's insurance in mid-state Michigan for a 2-BR apt.

Car Insurance for a 2007-08 Mustang?

Can anyone give me an estimate on about how much a 17-18 year olds car insurance would be if they were to drive a 07-08 ford mustang please.

Insurance for 18 year - which 7 seater?

im looking for a 7 seater that i can get insurance on for myself and my son who is 18 years old. im over 50 and have got 5 years NCB, my son has had his licecnse for 1 year and ...show more""

Best insurance for Male 18-24?

What is the best type of insurance for a male 18-24. There is a basic prepaid one for $1200 (upfront) but my rates double if I get a speeding ticket etc.. Then there is the traditional one from my bank but that's $300 a month and I can't do that. What type should I be looking for? Also, is it worth it to get the cheap insurance if my rates could potentially double? Could I fight them doubling my rates. I don't plan on speeding but wow. 04-06 Hyundai Elantra GLS/GT.""

Should I report my car accident to my insurance company?

It was actaully me rear ending her car on my motorcycle. We exchanged insurance info so I know whe is going to report, but do I have to report it also? My bike was just scratched on the cheap plastic part and I only have liability. I know my insurance will go up either way""

Carbondale Colorado Cheap car insurance quotes zip 81623

Where can an 18 yr old get insurance?

I'm an 18 year old male (19 next month) I need major dental work: root canal, filling, crowns, possible extraction Question: Where can I get good dental insurance that covers the above procedures without a waiting period. I need these procedures fast. I need a high annual maximum which I assume comes with a high premium. P.S - I've looked at Aetna, Humana and Delta Dental; they only pay a miniscule fraction of the procedure.""

Is it legal for the car insurance to be in a name other than person paying the monthly car payment?

My sister's husband passed in November. Their car is in both my sister's and her husband's name; however, my sister can not drive and does not have a driver's license. She wants to keep the car insurance on the vehicle, but to do that she would need to have a valid driver's license. Soooo, she has asked me to get the vehicle insurance in my name using my driver's license. My question is this: Am I in ANY way responsible for anything that happens to/in/with the car if I am not the driver? I use my car and driver's license for work and I can not have blemishes on my driving record or my criminal background""

65 Life Insurance vs. Term Life Insurance?

My wife and I currently have 65 life insurance which we pay about $130 per month for the two of us. After listening to her friend Suze Orman she wants to get rid of the 65 life and get term life insurance. 1st question is what do you think is better and 2nd is how easy is it to settle your current life insurance to cash out and if you stay with the same company can you roll your current $value into the new term life? Thanks

Does insurance cost more if you have a sporty car versus a truck?

Guess im just wondering cause some of my friends with sporty cars talk about there insurance being high cause of that, or if it didn't matter what kind of car they have. Insurance is just based on the person not the vehicle...if that makes sense lol""

How much does car insurance cost in Ontario?

What are the factors involved? What kind of car will help me get lower insurance? I'm 16 (but will be 17 when I purchase a car) I haven't done any drivers coarse because I personally think it would be a waste of time. I've been driving for many years, seems pointless to take the coarse just to be considered a three star driver... anyways, should I get a newer car? or an older one? what factors are involved in getting low insurance? now I'm only gonna be 17, so I'm guessing it's gonna be around $2000-$3000 ( a year) but how can I get it as low as possible?""

How much would car insurance for me im 21 and i want a ford fusion?

Can my parents exclude me from their auto insurance?

My parents have Country auto insurance (I'm assuming Countrywide, they said the one on the commercials ) I'm 16 and I feel it's my choice whether I get my license like every other kid out there, but my parents won't let me because their rates will go up. I know some insurance company's can exclude certain people from their plans, will my parent's insurance company do that for me? I really don't want to go through the hassle of calling them going on hold explaining it correctly etc. Please let me know! Thanks.(:""

How can I lower my insurance on a 2000 zx3 ford focus?

Right now, with the good student discount and drivers training class discount, I'm playing $164 a month to drive around a stupid ford focus. I'm on my parents plan so we get the multiple car discount too. this seems rather high for insurance. what insurance companies might be cheaper? I have full coverage. how can I get lower insurance?""

Why won`t insurance companies insure Nuclear power plants?

Why don`t insurance companies insure some drivers?

How much would insurance on a motor scooter cost in the state of ohio roughly?

I was wondering how much insurance would be for camaro?

I am a 17 year old male (I know :( ) it would be a z28 I would only want insurance for like 3 months( is that possible) Only liability insurance too or the cheapest one and still be legal.

Complete details of different insurances in USA?

Domain Knowledge of different types of Insurances of USA?

Pregenant without insurance!!!?

Pregenant without insurance. What are the options? Would hospitals allow payment installements? Definitely want a safe and equiped place to give birth at. Any idea what it will cost about? We are in the NY metro area. Feedback please.

Approximately how much would car insurance cost for a teenager in NJ?

No car insurance california get fine reduced?

I bought a used car from the highway patrol (crown victoria) and i gor pulled over on the way home for no license plate. I got a ticket for no insurance how can i get it reduced or get out of it? I did get insurance the same day with Allstate when i got home. And dont leave a hole answers please

Were we can apply and buy liability insurance?

We are managing 300 units condominium.What approximately liability insurance will cost?

Does anyone no of affordable maternity insurance?

My daughter is now almost 9 months old. I'm planning to get pregnant again in december. I'll be 20. Witch means that the insurance i had before MCHP will not cover me. You have to be younger then 19, and i don't live in Maryland anymore. Does any one no of any health programs that are affordable in Pennsylvania or any state for that matter? I'm married and my husband is the only one who works at this time so i was kinda looking for something on the lines of MCHP. For those who don't no what that is, its when the sate covers your pregnancy minus a few cost. Please Help! O and if your just going to rag on me for being to young and stupid dont even bother!""

If you know about car insurance (10 points will be awarded )?

Hey, my older brother has a Honda HR-V 1.6 VTEC engine which is UK insurance group 9 and tax bracket F, I am looking at a Suzuki Swift Sport 1.6 engine, insurance group 9 and tax bracket E... my insurance is with my dads business who say i can have up to a 1.6, I learnt to drive in my brothers car but the insurance company are looking into whether or not i can have a Suzuki Swift Sport, it has no turbocharger, so what is the big deal 10 Points for best answer""

Where's the best and the cheapest insurance for a moped?

How do you go about getting insurance for a teenge driver (17)...that will be cheap..were only looking 4 liabi

Only looking for liability insurance but less thatn 200 a month

Best car insurance out there?

im gonna be 18 soon, have had my licenses for a while, never been put on her insurance cause she wont let me drive. i want to buy a car but i don't want to buy a car and can't afford the insurance make about 30 bucks a week. whats the cheapest car insurance for a person with a 3.0""

How do I get individual health insurance quotes for North Carolina?

I am currently living in New York State and am considering moving to North Carolina. How do I get individual health insurance quotes while still living in NYS? All the websites ask you to provide a North Carolina address which I do not have yet. Thank you.

Where can I get the best car insurance rates?

I have been on the same plan for 10 years now and they charge $165 each month which is ridiculous. Any idea what is the best company to get a better insurance rate?

""So my father has car insurace in Spring Valley , Ny which causes his insurance to be cheap...?

He wants to add me as a driver and Im 19 yrs old. I live in Brooklyn. Me and him have two complete different addresess. When he adds me should I give them my brooklyn address or it doesnt matter. Note that I dont want the different address the increase his insurance

How much a car? used car + insurance + NY state?

hi, i would like to know how much can a car cost, how much is the avarege? a used car plus the insurance in New York state?""

Carbondale Colorado Cheap car insurance quotes zip 81623

I am 20. I am a student. I have no health insurance? And no money..?

What can I do??? Please help I need 2 go 2 tha doc i am sick.

NEED CAR INSURENCE ADVISE!!?

I got a quote on a Citron c2 it's. A 1.1lt and. The quote I got was 3rd party under my dad insurance my best quote was 6000 and that was direct to Adrian flux so I need advise ...show more

How much is insurance on a ninja 250?

i am going to buy one in the next few weeks. i have a clean driving record. no tickets. no wrecks. im 22 years old. i live in kentucky. how much is insurance and what company's are best to get a quote from?

Is no fault insurance the cheapest coverage possible.?

I don't get it my dads insurance agent told him no fault is the least amount of money paid to the insurerer that why he got me no fault but when I look it up on the Internet they say it's expensive. Can someone tell me if no fault is cheaper than collision, comprehensive, or the other types of insurance coverage. Also I live in Michigan and I'm 19 if any of that matters.""

""Looking to buy a car, what kind of cars will raise my insurance?""

Ok, so I'm getting ready to buy a different car and I'm wondering what kind of things will make my insurance go up. I'm 20 years old and right now I'm paying $100 a month, and that is cheap. Any advice?""

What happened to Obamacare lowering the cost of insurance?

A watershed moment in the ongoing disaster of ObamaCare,as Health and Human Services Secretary Kathleen Sebelius finally admits that health insurance premiums are rising because of the Presidents health insurance takeover, per the Wall Street Journal : http://www.humanevents.com/2013/03/27/hhs-secretary-finally-admits-obamacare-is-raising-insurance-costs/""

Need help with car insurance. ?

Im 16 and got my first car, i have been looking for a place to get cheap car insurance .... please tell me some good places to get the absolute cheapest car insurance.""

How much would insurance be for a '69 mustang for a 17 year old with a 3.6 gpa?

Yeah, I really want a mustang but my parents are killing me about the insurance. So i want to find out how much it really is so I can tell them if i can pay for it or not. I really want this car, I know alot about cars so i'm not an idiot , i know what i'm doing. I just need to know. Thanks alot.""

What laws in California can a doctor use against me for spending insurance check?

What laws exist in California that a doctor can use against me if I spent the money the insurance sent me for medical services he performed?

Health Insurance for my son?

I need a low cost health insurance plan for my son. I live in orange county, CA and I DO NOT qualify for medi-cal or healthy families. I make too much money. I do not need health insurance for myself because I can still be on my parents insurance until im 25. My work also does not offer health insurance.""

""'96 Saturn Sedan SLI 4 door, Totaled, accident insurance offered $2700. buy back $530. fair?""

'96 Saturn Sedan SLI 4 door, Totaled, accident insurance offered $2700. buy back $530. fair?""

I am 19 in Texas. is it cheaper on insurance to do the whole teenager coarse or is it the same going adult 6hr?

My dad is wondering if it would be cheaper on insurance if I did the the three week teenager coarse or if it doesn't matter anf do adult which is one 6 hour class. Again I'm in Texas and a guy and know about how its cheaper for girls on insurance

""Insurance companies have told me I now, do NOT qualify for 'regular' insurance. What can I do?""

I no longer have health insurance. My employer could no longer afford the premiums and I cannot afford Cobra. The 63 day preexisting conditions deadline has passed. I had a heart valve repaired in 2009 and donated a kidney for my wife in Feb. of 2011. Insurance companies have told me I now do NOT qualify for 'regular' insurance. Under the new Health Care Law, what can I do and who can I contact to get affordable coverage?""

How Much does car insurance cost for 16 year old male in Alberta?

For a 2003 saturn vue, how much can i expect to be paying for car insurance?""

Can I put my 23 year old married daughter on my health insurance plan in wisconsin?

I have read that the child must be unmarried and then somewhere else that they can be married. Which is the right answer? She doesn't have insurance through her employer but ...show more

WHat is a good cheap auto insurance? I am an 18 year old male....yes I know I'm screwed.?

It is bad enough having insurance when your a teen male, but when you have a sports car with a V8 in it...well it gets a whole lot worse. I just bought my dream car (a pontiac trans am) and now I would like insurance so I can drive it....the car cleared out my savings(im a senior in high school so I didnt have a whole lot to begin with). I heard viking insurance is good , but IDK. I want to have decent coverage, but also not have my whole paycheck go to them either. anybody have any tips or know of any good insurance companies. ps and no i dont want to sell my car and buy some Civic lol""

Can i get insurance with my learners permit?

Hi i finished my MSF course about two months ago and i want to get my own insurance, since my brother is leaving to collage. im 18 and have my leaners permit for about 2 months. I'll get my motorcycle license in 4 more months. i asked PROGRESSIVE and they said they won't be able to insure me till i have my license. BQ: what insurance do you have? any you recommend? I have a clean record.""

Does anyone no of affordable maternity insurance?

What is another way to say free insurance seminar ?

My insurance office is going to host a seminar to the public explaining personal lines (home, auto, commercial...) insurance coverage. What is a catchy headline for the flyer?""

Need cheap TAXI CAB insurance... anyone know any companies?!?

Im based in southern California and I'm using a crack pot shop called Fiesta insurance and their thru the roof! I cannot find any Taxi insurers for a growing 2 car company! Need help, I've left messages with numerous companies and the only ones that call back are the ones who don't offer insurance for my needs... ANYONE have any info? I'd be most grateful!""

Whats the best dental insurance to cover for braces? AmeriPlan?

braces for adults in general...? and what exactly is AmeriPlan... if they are not insurance...what are they? and are they dependable?

How to stop the direct debit car insurance and switch to another?

I want to stop my current policy with RAC.. and switch to another car insurance which is cheaper. How do I go about doing this? I pay monthy.

How much car insurance do I need?

I'm a graduate student that has little saved due to paying my way through college and I drive a 1997 Dodge intrepid, of which kelly has a personal value of around 1,500 and a sale by used car dealer at around 3,000. I was curious to have some opinions as to how much car insurance one things I should get? I'm going to school in illinois, but my true home is in indiana so I could claim either state (not that I've seen it make much of a difference). From what I have found 100/300/50 is recommended, but I'm more looking as to whether collision or comprehensive is even worth it at this point due to my car's value? I (knock on wood) haven't been in an car accident while driving and I am a safe driver that follows within 5 of the posted speed limits (unless traffic is going 20+over).""

How much is the insurance for a ford mustang?

for a teen girl driver thats 15 with a permit

What is considered a qualifying event for health insurance coverage?

If I waived health insurance through work because I already have a policy and then during the year I involuntarily lose my health insurance is that considered a qualifying event to obtain coverage right away through my job's insurance company and not having to wait for open enrollment?

Carbondale Colorado Cheap car insurance quotes zip 81623

How much would average insurance be for a 20 year old student for a 2011 Camaro LS be?

Im looking just to get an estimate.

Questions about car insurance?

Is it illegal for someone to drive someone else's car if they do not have car insurance, but their friend (who owns the car) does? What would happen if they got pulled over for a ticket . . . would there end up being a big problem? What about if they had an accident . . . would they be covered under their friend's insurance? And are there are some types of insurance that would cover an accident if it was caused by the uninsured friend of the insured car owner? Thanks so much :)!""

What insurance company should I choose for my car?

I just got dropped from state farm because of high risk and I'm looking for something affordable for a college student/ musician. I have to get full coverage as well. What is a cheap company I can go with that's not going to screw me over or anything?

How much will it cost to insure my business?

It's a grocery delivery business. I have a few drivers. I am concerned about the following: Protecting employees while they are driving/delivering, Protecting my customers from any negligence or criminal activity done by my employees, Insuring inexpensive (about $5k each) delivery cars""

NYS car insurance. NYS only please?

My insurance is due on the 18th of October. I cannot pay until the 1st of November. I will be 11 days without insurance. WILL I GET A SUSPENSION or PENALIZED for 11 days?

HOW MUCH IS CAR INSURANCE?

ok well i am 18 years old and i am going to buy a 1969 camaro ss, 1970 chevelle or a 1970 roadrunner hemi i need to know how much the insurace on this would be a year.""

What Are Low Cost Term Life Insurance?

""Mustang Insurance, Help!!!?""

Hello, I have a quick question about insurance. I am 18 years old, living in Orange, CA and currently driving a 2003 nissan altima that I am going to trade for a 2002 ford mustang gt. Now i know that contacting an agent will be the best way to find out more realistic rates, but right now I want to hear from past mustang owners. I was also wondering if having good credit will give me a discount on my insurance? I know insurance will be high, so don't waste my time explaining it to me, If it helps, I always obey the speed limit, never gotten into any crashes nor have I gotten any tickets. All Help is appreciated, thanks.""

Question about insurance differences for regular vehicles and motorcycles?

I currently have a car through my parents car insurance but I really want to branch out on my own and get my own insurance so I've been thinking about finally pursuing my dream of getting a motorcycle. They're cheap, run well, and from what I gather insurance is very cheap. Could anyone tell me what kind of money I might save in Pennsylvania or New Jersey in comparison between a motorcycle and a regular car? Thanks.""

What is the average insurance for a 17 year old female driver?

The car is going to be a 2003 Oldsmobile Alero. Going to have drivers ed and a the 5 hour driving course. Living in NYS. About how much would it be per month?

Multiple Car Insurance On One Vehicle?

Is is possible to have two insurance policies on one vehicle? The reason being is, current insurance (lets call it A) is way too expensive. To leave the A insurance I would be charged 500$, seems like a lot. New policy (lets call it B) would be much cheaper then A. If I have A for theft and fire + B (full coverage) it would still be cheaper then A full coverage! Is that legal????""

Is insurance required in north carolina?

if one had a car registered in georgia, he decided to pass through NORTH CAROLINA, the insurance expired, he gets pulled over. WHAT WOULD HAPPEN?""

Health Insurance coverage?

My husband's Cobra coverage lapsed. He has been turned down by two insurance companies for health insurance because of low testosterone levels. Any advice on where or how to apply for health insurance? He is self-employed; we live in TX.

How affordable health insurance be a nigh that is guaranteed by the Government for all citizens?

Resident now Citizens? Unregistered or illegal residents? thanks!!!!

What is the Cheapest Car Insurance For Young Driver?

18 Year Old, Male, Vauxhall Corsa 16V (1.2) Worth 1000, Full License Held for 2 Month, Access To Company Vehicle (Ex Personal Use), Mileage up to 5000 per year, No PASS PLUS, Social Use and kept on a public road.""

Will a renters insurance and automobile insurance claim effect homeowners insurance rates?

Im purchasing a home in 2 months. Meanwhile my apartment was broken into and my second vehicle was stolen via my spare key which was hidden in my apartment. My losses for the ...show more

Why my insurance is expensive?

my dad will buy me new insurance. also he will get me new mazda3 hatchback. auto insurance agent sent us a message. i was suprised because my new insurance costs me 1,927.00 dollars for 6 months! it will be close to 4,000 for a year. and im 18 why?! i never had car accident, no tickets, and more! im good driver for 3 years and have good grade. and i live in orange. why?! tell me please. thank you! :)""

Teen Female vs. Male Insurance Rates?

is it true that if youre a male teen, your car insurance rates are higher than a teen female's rates? are there websites to back that up? thanks!""

Where can i find really good dental insurance w/out a job??

Will I be covered under my parents car insurance or do I have to take a new plan?

My parents have insurance on their car and I am going to get my license in a few days. So if I drive their car and if I am involved in an auto accident will I be included in their ...show more

How much should my car insurance be? read details?

I am 17. I want to buy a mitsubishi eclipse gt. Its probably going to be a 2000, if not then 2001-2003. GT model. I went to drivers ed and we have allstate for insurance. how much wuld the insurance be?""

I need Car Insurance help!?

Well, I'm turning 17 soon and have started thinking about learning to drive and getting my provisional. I know car insurance for a 17 year old boy is very high but there must be some cheap insurance somewhere? From 900-2500 I'm not the richest person ever and don't currently have a job, but I'm actually searching at the moment (just started). I have time to think about it all and everything but ye I need help, also a car which isn't too expensive and the insurance is also pretty cheap would be awesome!""

What are the best health insurance options for independant business owners?

A dear friend is purchasing a Salon soon. She has covered all her financial bases and made smart choices so far. HEr main concern now is health insurance. She has always worked for a company that provided insurance, with an employee contribution. She and her husband are african american, about 45 yrs old, the husband smokes, she does not. What are the options out there that are affordable? Cobra will do for now, but as you know, full health insurance premiums are very high, what reccommendations do you have?""

Car Insurance Question?

First, I recently passed my road test and I am allowed to drive by myself. The problem is that the pink card (car insurance) has my parent's names on it and not mine. But, my parents recall putting me in a car insurance plan with them. So technically without my name on the card, I would be driving without insurance? And that's illegal right? (At least in Canada, Alberta) Would I be able to drive or no?""

Pulled over by the police today without no insurance and no driving licence in the uk?

today i got pulled over by the police without a driving licence and no insurance the car had insurance but it was in my moms name and i only had a provisional license how much points will i get for that and will i get a band?

Carbondale Colorado Cheap car insurance quotes zip 81623

https://www.linkedin.com/pulse/life-insurance-quotes-clark-howard-maya-spencer/"

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cryptnus-blog · 6 years

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Why Blockchain Isn't a Revolution

New Post has been published on https://cryptnus.com/2018/06/why-blockchain-isnt-a-revolution/

Why Blockchain Isn't a Revolution

The terms Bitcoin and blockchain are sometimes used interchangeably, but there’s actually some misunderstanding about the innovation. In this opinion piece, Kevin Werbach, Wharton professor of legal studies and business ethics, explains the differences among the three groups that comprise this technology: cryptocurrency, blockchain and cryptoassets.

These days it’s hard to avoid pronouncements about how cryptocurrencies and blockchain technology could change everything (or at least, create massive wealth). Yet there’s an equally loud chorus labeling them a massive scam, useless, and dangerous. And a surprisingly large audience still doesn’t understand what’s going on. One big reason for the confusion is that we’re not all talking about the same things.

The three communities share a basic set of design principles and technological foundations, but the people, goals, and prospects are almost completely distinct. Those involved don’t help much by sniping constantly about which is the “real” movement. So, let me try to clarify things.

There is cryptocurrency: the idea that networks can securely transfer value without central points of control. There is blockchain: the idea that networks can collectively reach consensus about information across trust boundaries. And there are cryptoassets: the idea that virtual currencies can be “financialized” into tradable assets. The first truly is a revolutionary concept, but the jury is still out on whether the revolution will succeed. The second and third are game-changing innovations on the path to significant adoption, which are nonetheless essentially evolutionary.

Cryptocurrency (‘Trust-Minimizing’)

Cryptocurrency is what you’ve probably heard the most about, starting with Bitcoin. The easiest way to understand it is not to puzzle over the details of mining or digital cash. Instead, focus on the decentralization of trust, as I do in my forthcoming book.

Many activities require trust. Without trust, a $20 bill is just a green piece of paper, a vote in an election is a pointless ritual, and someone offering me a ride in their car is a potentially dangerous stranger. Traditionally, trust meant depending on partners, institutions, or intermediaries. Those centralized trust architectures are powerful; among other things, they brought us modern industrial civilization. But there’s a downside to trust. Trust implies vulnerability. The people, governments, and companies we trust may turn out to be untrustworthy, for any number of reasons. Bitcoin showed that something valuable — money — could be trusted without trusting anyone in particular to verify transactions.

The idea, if brought to full fruition (and that’s a huge “if”), could transform society. We could have transparent companies that truly reflect the will of their stakeholders, governments that truly reflect the will of their citizens, an internet freed from the corrupting value-extraction of powerful gatekeepers, the end of fake news, and massive automation of daily life for the betterment of humanity. Or at least, we could have solutions that markedly improve on the status quo. Decentralization is valuable in all sorts of ways.

“Bitcoin showed that something valuable — money — could be trusted without trusting anyone in particular to verify transactions.”

There’s a cost. (There’s always a cost.) For Bitcoin, the costs involve a very slow network with limited functionality that wastes massive amounts of electricity and enriches a side community of miners. Maybe those are worth it. Maybe technological advances, through the parade of new blockchains and blockchain enhancements, will drive down the costs. We don’t know yet. Yes, the bitcoin in circulation is notionally worth north of $100 billion, but that’s cryptoasset thinking. Is anyone using bitcoin yet to do something, other than to get rich, to make a point, or to avoid law enforcement? And it gets steadily worse as one progresses down the list of nearly 2,000 (or perhaps many more) extant cryptocurrencies.

There’s also a catch. (There’s always a catch.) What works for small groups, bounded applications, and idiosyncratic users doesn’t necessarily survive the climb to the mainstream. If it does, it often becomes something completely different. Until Facebook came along, it wasn’t clear anyone could make real money on social networking, which was just a frivolous exercise for kids anyway. The fact Facebook did come along doesn’t prove it was inevitable.

Some of those betting on the cryptocurrency revolution may be proven right. It’s an exciting bet, with all kinds of potential upside, but still a gamble. There’s a reason true revolutions don’t happen often. And when they do, there tends to be heavy collateral damage.

Blockchain (‘Tracking’)

The blockchain* phenomenon grows from the same root as cryptocurrencies — the Bitcoin white paper of 2008 and its antecedents — but seeks something very different. Rather than trying to do without trust, blockchain starts from the premise that our trust is too limited. We only really trust ourselves, or our own organization. Yet no person, or company, is an island. Even the government of an island isn’t an island, for that matter, when it has to trade and interact across the water.

The world is filled with processes, especially among larger companies and governments, where things must be tracked from one trusted zone to another. Firms spend $10 trillion per year globally on “logistics,” which is short for putting stuff on transportation systems controlled by someone else. Manufacturers, distributors, and retailers keep their own trusted (yet independent) records of the same items as they flow through supply chains. When you walk into a new hospital or doctor’s office, your medical records don’t necessarily walk in with you. They are even less likely to walk out together with the new ones you generate. All of these breakdowns in information flow feed the fearsome dragon known as transaction costs. According to the dominant school of economics today, the effort to slay that dragon is the essential driving force in the economy.

A significant chunk of the transaction costs between firms (and sometimes within them) flow from the limited elasticity of trust. If every party to a transaction trusted the information involved, even though they didn’t trust one another, costs could fall and performance could improve drastically. That is the essence of the blockchain vision.

“Trusting your own records on a blockchain is tantamount to trusting everyone else’s records, because those records are one and the same.”

Trusting your own records on a blockchain is tantamount to trusting everyone else’s records, because those records are one and the same. The duplication of settlement, the further duplication of reconciliation, the further duplication of auditing, and perhaps the further duplication of regulatory reporting, can all fold into the original transaction. The most prominent companies in the world are participating in all manner of blockchain trials and consortia because they see the huge potential. Decentralization here is one design goal among several, not a foundational requirement as with cryptocurrencies. So these systems typically are “permissioned,” with essential functions limited to identified participants.

As with cryptocurrencies, there are aspects of this story that are still speculative. Because the blockchain thesis doesn’t assume any radical changes in markets or business models, though, it’s a question of degree only. Cryptocurrency advocates carp that you don’t need a blockchain for any of these arrangements. Well, you don’t need a blockchain to create digital money either. It’s only when you want to add the condition that banks can’t intermediate, governments can’t block transactions, and no one can influence the money supply that Bitcoin has a purpose. The blockchain thesis similarly targets a particular class of scenarios. Traditional database solutions don’t solve these problems because the people and companies involved don’t agree in practice, not because of some failing in theory.

Cryptoassets (‘Trading’)

Cryptoassets take cryptocurrency tokens, turn them into instruments of trading, and spin ever more complex financial instruments out of the threads they produce. The potential scale is immense, with trillion-dollar markets not that unusual in modern finance. Where this effort diverges from the first is that it views cryptocurrencies not as a way to facilitate activities without centralized trust, but as a new investment asset class. Because they are natively digital, cryptoassets can in theory be traded more efficiently than existing instruments. They are inherently flexible and global. Virtually all of the major Wall Street players are eager to get in on the action, as are the institutional investors that supply them with capital. Regulatory concerns that kept them out are gradually being addressed.

Once the fundamental value of a digital token on a decentralized network is established, why not just use it to make money? (Sorry, to “engage in socially optimal capital formation.”) Cryptoassets depend on the fact of cryptocurrencies, because there needs to be something valuable to trade. Securities must be secure. But cryptoassets ignore or reject the idea of cryptocurrencies, that trust is “almost an obscenity” (to quote the man who did the original security audit on Bitcoin). To the cryptoasset trader, both trust and the absence of trust are nothing but means to an end, known as liquidity.

Permissioned blockchains will also support tokenized assets, by the way, including eventually sovereign currencies. The difference is that the goal will be effective tracking more than profitable trading.

Another way to think of this is that cryptoassets divorce the exchange function of cryptocurrency tokens from their utility functions. If you want to use bitcoin to pay merchants, Ethereum’s ether to purchase computing cycles for distributed applications, Filecoin to purchase cloud file storage, or Augur Rep to verify the results of prediction markets, you put a value on those tokens based on what you get out of the application. In theory, more demand for use in the application means less available supply, which pushes up the price. In practice, none of the applications are significant yet, so the value of the tokens is highly speculative. Speculation isn’t necessarily a bad thing; it’s the appetite for risk that drives financial markets. Sometimes, though, that speculation drives markets over a cliff. The key question for cryptoassets is whether and how speculative instincts will be modulated.

“Cryptoassets divorce the exchange function of cryptocurrency tokens from their utility functions.”

If cryptoasset markets develop, there are all sorts of interesting possibilities for “tokenizing” physical things like commodities and real estate, digital things like intellectual property, and other kinds of rights, using the financial engineering and analytics tools Wall Street has developed over the years. The necessary foundations are already being built.

Don’t Cross the Streams

The stories aren’t mutually exclusive, per se. The success or failure of any one vision doesn’t necessarily imply much about the others. Cryptocurrencies have the most disruptive potential, because they promise to decentralize power. That also creates the biggest barriers to success. Both blockchain systems and cryptoassets scale back that decentralization for other benefits. They differ in the uses they target, so it’s not a competition to determine the right answer. Crossovers can generate significant opportunities, but they need to be evaluated in their own lane. Initial coin offerings (ICOs), for example, fuse cryptocurrencies and cryptoassets. Should they be assessed as a new form of crowdfunding or a way to kickstart decentralized economies? What counts as success or failure looks different depending on the answer.

Deciding which is the “real” phenomenon can be an entertaining parlor game, but it’s ultimately not enlightening. Any judgments about success or failure of blockchain-related technologies need to be couched in terms of the relevant sub-category. When observers point to enterprise adoption and high prices on cryptoasset exchanges as evidence for the viability of cryptocurrencies, they’re crossing the streams. The fact that there’s massive fraud and theft in the ICO world doesn’t tell you much about government initiatives around distributed ledgers. Whether or not there’s a good business putting banks on blockchains(or something blockchain-like) says little about the prospects for decentralized automated organizations.

The sooner we stop treating this as a unitary phenomenon, the more we’ll be able to assess developments accurately.

*I use the term ‘blockchain’ for this category, because it emphasizes the value of the ledger over the currency or decentralization. Speaking precisely, though, most cryptocurrencies and cryptoassets use blockchains as well. And not every ‘blockchain’ system employs the data structure of a hash-linked chain of blocks.

This article first appeared in Medium.

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viralhottopics · 7 years

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15 Important Life Skills Kids Should Be Taught By The Time Theyre 15

As parents, caregivers, and teachers, it’s only natural that we want to protect and help our children in order to make their experiences in life as painless and enjoyable as possible. Whether they’re 5 months, 5 years, or 15 years old, we want to spare our precious little people from hurt and protect them from difficulties we may have experienced at their age.

Yes, we have the very best of intentions, but when we over-parent, we leave our kids unready for the world and life as adults. If you shelter your child up until they move out into their own apartment or college dorm, they will end up bewildered out in the real world… so it is extremely important that we teach our children the skills to grow into strong, respectful, self-reliant, and successful adults.

Not sure where to start? Here are 15 life skills I taught my own son by the time he turned 15:

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1. Basic financial management

Start with the simple and very necessary skill of budgeting and making personal financial decisions. Once your child is old enough to earn an allowance, theyre old enough to begin picking up financial skills. This is a good time to teach them to wait before they buy something and to know the difference between wants and needs. Teach them to comparison shop when youre at the store or shopping online together. Teens can start learning about building credit and investing in a Roth IRA from summer jobs.

2. Wake themselves up on time

A child entering high school should be able to wake themselves up, get washed, and dressed in clean clothes — on time. I admit, I’m guilty of being my son’s alarm clock, but after several weeks of rushing breakfast and being late for his classes, I put my foot down when I realized all I was teaching him was, “I’ll always be here to wake you up, have food ready for you, and get you in class on time no matter what.” Maybe it was OK when he was 7, but 15? Let alone 18? Nope.

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3. Taking care of another life

Being responsible for a pet is a wonderful way to teach children how to respect, value, and care for another life. But before leaving a child responsible for animals such as a cat or a dog, it’s a good idea to start smaller like with a goldfish or gerbil. Younger children can begin learning this responsibility by taking care of small plants and regularly watering and re-potting when necessary. Learning to get along with and look out for siblings and friends will help your child grow in this area as well!

4. Personal communication skills

Our children currently live in a world of silent communication. Complete conversations take place over text, email, social media posts, etc., so it’s up to us to verbally engage and connect with our kids. Encourage them to practice personal communication skills with friends from school, employees at the supermarket, kids from their extracurricular activities, and others with whom they see in real life.” Teach them to effectively and respectfully articulate their thoughts and feelings and encourage them to practice painting a clear picture of what they are trying to communicate.

5. Advocate for themselves

Kids need to know that they have the right to let their voices be heard, but in the right way. Teach your child how to have a conversation with an authority figure and to advocate for themselves. For example, if they disagree with a grade received at school, encourage them to speak to their teacher respectfully and ask for clarification or a chance to make corrections. Let them know you have confidence in their abilities and offer to practice the conversation with them.

It is also critical to prepare your child to really listen to what the other person says and understand they may not get the outcome they want. This will help teach them that even though not everything in life will always go their way, they can use the information gained from this direct exchange to increase theire chances of success in the future — an important ingredient in strengthening their coping and recovery skills.

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6. Emotional awareness/intelligence

Teaching your child to understand and manage their emotions, stress, and anxiety is a very necessary skill (many adults lack this). Encouraging your child to accept her emotions including anger, sadness, disappointment, and frustration as normal, will help her respond to these feelings in a healthier, more effective and confident manner. This skill can very well prevent her from breaking down at the first sign of negative feelings because she will be empowered with the understanding that not feeling happy does not always mean there is something wrong with her and feeling sad isn’t a sign of weakness.

7. Take responsibility for their own thoughts and actions

With finger pointing and victim mentality becoming more common, it is important to help kids understand that they have the power to choose and the responsibility to own up to their own thoughts, feelings, and actions. It is just as important to teach children that they are not responsible for another person’s thoughts and actions, and how to set and maintain their personal boundaries.

8. Digital etiquette

We must teach our children internet kindness, selfie regulation, and the dangers of social over sharing and bullying. Help our kids understand that even though communication from behind a computer of smart-phone screen may feel impersonal, they must strive to treat everyone — including themselves — with respect. Respect for others results in kindness. Respect for oneself results in self-worth.

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9. Basics of cooking & doing laundry

High school age children should be able to prepare simple meals and feed themselves if necessary. Soups, pastas, omelettes, salads, and sandwiches are some examples of simple meals that can be prepared quickly. If you get hit with the flu and don’t have the strength to drag yourself out of bed, you want to know your 15 year old can make breakfast, pack his lunch, and/or make dinner (and hopefully prepare something yummy for you too)!

As for laundry, I don’t mind doing my son’s wash, but like the example above, if I’m sick in bed and he urgently needs something washed for the next day, 15 is a mighty good age to take care of that himself. Even your five year old can begin helping with the laundry by folding towels and putting their own clothes away until they’re old enough to do their own wash.

10. Pitch in

Teach your child how to contribute for the betterment of the whole — whether it’s helping a sibling with their chores when they notice they’re having a rough day or donating clothes they no longer wear to charity. This helps them get out of the “all about me” mindset and appreciate and value what they can offer to improve and strengthen causes outside of themselves. Also a great lesson in kindness and empathy!

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11. Talk to strangers

We protect our children by teaching them not to talk to strangers. However, middle school children should be taught how to discern the suspicious strangers from “normal” everyday strangers to help keep them from being fearful of all people they do not know. For example, with you close-by, allow your child to ask a worker at the grocery store where an item can be found or instruct your child to go to the restaurant counter and ask for extra napkins. This will give them a feel for the type of people they can approach with questions and in case of emergencies.

Just for the record I still stand by the rule of, “Never open the door to strangers.” That one will never change.

12. Forgive and let go

Teach kids to resolve disagreements peacefully by keeping a level head during arguments. Encourage your children to focus on the problem and not the person, to make it easier to control heated emotions.

It’s just as important to teach children to apologize when they are wrong. Everyone makes mistakes. There is no shame in asking for forgiveness and in forgiving others. In fact, apologizing and forgiving others takes courage!

And finally, children need to learn that whileforgiveness is an act of compassion, its also the key to set themselves free from pain caused by another person, and having the freedom to move forward in a more positive direction. After all, holding grudges only hurts the one holding it!

13. Show up and work

While showing up is the first step to reaching a goal, children must learn the importance of putting in the work to actually achieve the goal. Remember that unearned rewards set children up to expect a win just for showing up, resulting in entitlement.

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14. Time management

Learning how to stay organized, on task, and productive is something everyone will need. Knowing how to effectively manage your time will also help prevent unnecessary stress and anxiety while helping boost self confidence and the feeling of accomplishment. Kids need to master this early so they dont suffer the consequences as adults.

15. Identify and solve problems

Teach children that while life isnt always easy, they have the knowledge, skills, resources, and support to get them through anything. Show them that mistakes and failures are not absolute, and there is always another way to succeed as long as they keep learning, improving, and trying. When children learn to be proactive in finding a solution, it will help prevent them from falling into victim mentality and greatly increase self confidence!

For more fromCarmen Sakurai, visit her blogNinja Mom Diariesand herFacebookpage.