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madandi · 25 days

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From The Times

article about the new song: "Thank you mother"

At 16 Amy Nuttall became the youngest understudy for the lead role of Christine in The Phantom of the Opera, then a year later she joined the ITV soap Emmerdale and stayed for five years. The Lancashire-born actress has since appeared in Hotel Babylon, Downton Abbey, Death in Paradise and, most recently, Mr Bates vs the Post Office. On stage she has been in My Fair Lady, Boeing-Boeing, Cabaret and Spamalot. Now 41, Nuttall is married to the actor Andrew Buchan. They live with their nine-year-old daughter and five-year-old son in Buckinghamshire.

How much is in your wallet?

No one carries cash now — everything is cashless. I did get caught short last year when my daughter lost a tooth unexpectedly. I had no money for the tooth fairy. Luckily my neighbour came to the rescue but now I always make sure I have pound coins in my wallet. Apart from that, all I have is my driver’s licence, Tesco Clubcard, Boots card, Caffè Nero stamp card and my debit card.

What credit cards do you use?

I don’t own any. When I joined Emmerdale I came home to visit my parents and for some reason I’d got myself a credit card and I was telling my dad about it and he made me get it out, got a pair of scissors and said, “Right, I want you to cut it up in front of me. Take my advice. Do not go down that road.” And it’s just stuck with me. I’ve never had one since. I think my dad knew that it would basically give me the opportunity to spend money I didn’t have, so I think it was very wise advice.

Are you a saver or a spender?

I’d love to say I’m a saver. I think I started out really well but I have become a bit of a spender. It’s mainly on my children. When I started out, aged 16, touring in The Phantom of the Opera, my first pay cheque was £500 a week, which was an absolute fortune for someone that age. I remember we were rehearsing in London before we went on tour, and I needed some new trainers, so I went to Schuh in Covent Garden. And I’ve never forgotten that feeling of buying my own trainers with my own money — and still having money in my account. After that I barely spent a penny, other than on accommodation and food. I don’t know where that girl went, as I really enjoy spending now. Back then I was very cautious. I just wish I’d had the foresight to put that money into property.

How much did you earn last year?

I’m an actress, self-employed, so it varies substantially from year to year. Sometimes I get surprise emails from my agent about royalties, saying, “Downton Abbey has been sold to this country,” or whatever, and they’re always nice little happy surprises. But generally speaking, in the last financial year — what can I tell you? — below a hundred grand, but I’m married so it all goes into one pot. So it’s not as scary because I can lean on that. People may have thought that being in Downtown Abbey meant I could put my rates up, but it’s really not the case. I always seem to land jobs where they tell you there isn’t any money in the pot. And then you find out who the lead is and you think, ah, all the money is going to that person. So it’s really not as lucrative as people perceive.

I sing too. I recently released a song called Thank You Mother, to raise money for the Brain Tumour Charity. That won’t see any personal return, but that’s fine as I want all the money to go to the charity. Overall I’m used to not knowing how things will be financially. It’s that excitement of not knowing what’s around the corner — maybe that big job with lots of money is going to turn up. That hasn’t happened yet, but you never know.

Have you ever been really hard up?

I started off well with Phantom and then Emmerdale, but when I was 22 I left and moved to London. Soon after I bought my first property in Ladbroke Grove [west London] but stupidly bought one that I was unable to sublet. I’d really stretched myself to the limit to buy it and I was relying on being in work to pay my mortgage and bills. I was the lead in Cabaret in the West End at the time, but it was a massive drop in earnings after Emmerdale and I just couldn’t cover everything, so I had to put the flat on the market. I had to move out a week after I finished Cabaret and rent a room in a flat and put all my furniture into storage. It was devastating.

Do you own a property?

I’m the joint owner of our comfortable family home in Buckinghamshire. We owned a smaller house before.

Are you better off than your parents?

I’d say my dad is probably better off than me. He recently retired but he was a criminal barrister and a judge. I have no idea how much money he earned but he was always extremely cautious and never spent money on five-star hotels. My mum was a hairdresser when they met and then did interior design for a while. Things were comfortable and my dad paid for all three of us to have a private secondary education.

Do you invest in shares?

I don’t and it’s not something I’ve ever thought about. I don’t know enough about it.

What is better for retirement, property or pension?

A bit of both. It probably changes from year to year but I think it would be safer to have a bit of property, a bit of pension.

What has been your best investment?

My house, my health and my children — not in that order.

And the worst?

I’ve not really made any great investments but I can’t think of anything that has been significantly bad either.

The most extravagant thing you’ve bought?

I bought my mum a Louis Vuitton bag because she did everything for my wedding. I just turned up on the day, which was great. I wasn’t particularly interested in doing it — she did it all. So I bought her a beautiful cream Louis Vuitton handbag, which cost about £2,000, which is an insane amount of money.

What is your money weakness?

Food, probably. I’m quite lazy, especially with the grim weather we’ve had lately. I just want to get out of the house and go to a cosy café to eat stuff I could easily make at home. My other weakness is [the homeware store] Homesense — I’m an absolute sucker for kitchen paraphernalia. Whether it’s another teapot or candle I don’t need, I’m there.

What is your financial priority?

My children. We’re a way off secondary school yet, though, so we’ll see what happens.

What would you do if you won the lottery?

First, I wouldn’t broadcast it. I’d share it among family, and I’d love to have the luxury of giving away a chunk of money to the Brain Tumour Charity. If there was any left to spoil myself, I’d love to be mortgage-free. I’d love a big house in the country with an Aga and a dog, and a holiday home in Tuscany. That would be lovely.

Do you support any charities?

I’m a patron of the Brain Tumour Charity — my mother passed away from a glioblastoma brain tumour in October, and I’ll be donating all the proceeds from Thank You Mother to them. It’s a song we played a lot at home in my mother’s final weeks. It was a very emotional time and the words in the song are very poignant to my relationship with my mum. I knew straight away that I had to do something to raise awareness of this terrible disease.

What is the most important lesson you’ve learnt about money?

That you never have enough, that it goes pretty quickly and that it doesn’t bring you true happiness. And like my parents said to me, “If you look after the pennies, the pounds will follow.” All proceeds from Thank You Mother by Amy Nuttall go to the Brain Tumour Charity

#braintumorcharity

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goldenpinof · 9 months

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Hi - UK person here! I think there are a few reasons for them having a mortgage 1) property in London (and the outskirts) is absolutely ridiculously expensive (particularly considering the size of their house) so to find that amount of money in one huge chunk would be a huge burden 2) whilst they are clearly not poor I think there is an overestimation of how much money they have made vs how much money they have paid out over time (Dans tour is a good example). Plus tax for people earning a certain amount in UK is 45% (+ national insurance) so that has to be taken into account 3) if they do have money its quite likely at least part of it is invested. So whilst that would allow them to borrow it wouldnt be money that is physically at hand so it makes more sense to take out a mortgage because whilst you have to pay interest on a mortgage its likely to be less than the amounts made from your investments and you will pay penalties for ending an investment early (which when you work in a precarious job such as creator are things you particularly need to consider for the long term)

Hope that makes sense?

it does, thank you! i sure hope they invested money in something. although, buying a property is also an investment. they can clearly sell it for more if needed (you can't do it spontaneously if the bank is tied to it though. at least not in my country. if there's a mortgage/loan you need to get the bank's approval here). funny how i think people are underestimating how much money they made during their prime years on youtube including ii era :)) at the same time, i don't doubt that Dan's tour was the opposite of a financial success but that's a privilege he had because he was already secure and could invest money and time into wad (and dd. sorry, they come hand in hand).

can i ask about 45% tax? how does it work with companies? dnp have several companies. usually, people create multiple companies to legally avoid some taxing. if theoretically, their income goes through multiple companies will the % be lower and can it work at all (or am i just saying nonsense)?

#if someone wants to tell me about uk's financial laws related to companies i'm all ears #in dms or asks i don't care #answered #forever home

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burritosandpeppermint · 4 months

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blerg

I'm about to sound like an asshole here, like, "Oh, no, an embarrassment of riches" but oh well.

A peer in my industry group reached out to me yesterday to let me know that the company they work for has an opportunity in my field. It's at another company that I already applied for last year, but that time it was basically the same position that I have now, and I didn't get it. And now they're looking for a manager for that team.

That feels...iffy to me. Maybe I could get it, but it's impossible to say until I go through the whole three week long circus again, possibly only to become crestfallen disheartened severely disappointed and a bit depressed yet again, and then still have to do my current job.

Pros of the (potentially) new position?

Definite pay bump. Like, "Maybe we can afford to buy a home way sooner than we thought" (or at all) pay bump.

I'd finally be a manager, although a manager of a team and for a company that I would be brand new at, so I'd have to learn the ropes really fast.

I'd be working at a smaller company again, which I miss sometimes.

Cons of leaving my current job?

I'm literally on the cusp of my first ever sabbatical, which I've been looking forward to for years (I would have been eligible three years ago but our new corporate masters acquired us five years ago and under their rules you're not eligible for it until your tenth year, so I've been impatiently waiting ever since)(like literally if you knew me IRL you'd know that I'm dying for this)(and yes I know that I could possibly tell the new company that I can start in a month and just have that month off but I've EARNED this fucking thing, damn it)

As dejected as I can feel in my current role I still like the people I work with, my manager is still great and fights for us (at least as hard as he can), and even though our team may never grow we'll be necessary for a long time, and I like that stability. I've seen my peers take opportunities at other organizations only to see them work for a year or two and then get laid off, then eventually find something new and then get laid off again in another year or two, and some of them have mortgages, and that's just way, way too stressful for me.

So, if we're really boiling my main decision points down to their simplest forms, we're talking about definitely more money but with way more responsibility vs dancing with the devil I know who sometimes gives me treats.

And at the end of the day I'm also just so tired of working. Let's make the national retirement age 45! That'll solve everything, right?

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buypropertyeasy · 2 years

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The Growing Impact of NFTs on Real Estate

RealEstate is a leading discussion forum on NFTs in connection with the global real estate market. RealEstate brings together real estate professionals, investors, developers and stakeholders to explore ideas, discuss current projects and engage in meaningful dialogue about the multi-billion real estate market’s future.

1. Transactions

THE WHAT?

The closing costs for any real estate transaction are anticipated to be 10% of the sale price.

In current NFT-powered transactions, redundancy might affect 80% of this cost.

These expenses include “title insurance,” “title search,” “recording costs,” and “closing survey,” which are tied to the agent’s compensation.

The blockchain is being used by NFTs to make the history of transactions and property ownership indisputable.

One might imagine a blockchain platform that automates the procedures linked to ownership changes in addition to enabling direct communication between buyers and sellers.

Additionally, as transactions become simpler, listing systems like Zillow make progress in their long-standing effort to avoid using agents.

2. Mortgages & Equity Loans

THE WHAT?

American banks will pay an average interest rate of 0.06% on savings accounts in 2022.

Then, banks front-load the interest on these loans by lending this money to mortgage customers for an average interest rate of 3.22% in 2022.

“Your margin is my opportunity,” Jeff Bezos remarked to established merchants in a well-known statement.

Mortgages are being crowdfunded by investors through NFT lenders like LoanSnap.

“Wrapping the lien on the residence, while the protocol then lends against the NFT” is the way this is accomplished.

Broker banks are being replaced by the platform and protocol of LoanSnap.

Users of the Bacon Protocol [LoanSnap] gain the majority of the return, roughly 2–3% vs 0.1%.

If you held that money in a savings account, thanks to the efficiency of the blockchain and the elimination of all the processes and many individuals.

Thanks to NFTs, this tight margin encourages more homeowners to refinance for better outcomes and higher returns for mortgage investors.

3. Ownership Securitization

THE WHAT?

Both mortgages and the actual properties themselves are being securitized as NFTs.

There are a few reasons one might do this, but one that stands out as intriguing is to raise money.

REFERENCES:

https://medium.com/geekculture/the-growing-impact-of-nfts-on-real-estate-f36aec43ee1f

DISCLOSURE:

None of these articles constitute financial advice. Articles are highly summarised to make it easy for the reader and save your time, so please DYOR further before putting your hard-earned money into any product mentioned.

Please note that the tech industry evolves rapidly and the info in this article is correct at the time of publishing. As Heraclitus said, “Change is the only constant,” so if anything sounds old or off, please holler on the socials or comment here so everyone stays peeled.

Affiliate links are included in these articles, and signups through them are highly appreciated. These links support better research, quality writing and help you find products with less hassle and at times with discounts included, so it’s a win-win :) Great care is taken to ensure the links are from authentic, non-spammy sources.

Stay up-to-date on the latest stories by signing up for our newsletter. Please don’t mark these emails as spam, instead, you can easily unsubscribe, if you feel we are bothering you.

Please do follow, like and engage with all our Medium blogs/publications at these links:

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#real estate #realestateinvestments #real estate agent #nft #buypropertyeasy

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sacredlanguage-sociology · 4 years

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Marx? Remember that manifesto you wrote? Listen to this! We may need you to write one again...

Been seeing a lot of posts on social media about people making landlords out to be the badguy here.

Everyone's getting laid off in the face of Covid-19. Everyone is struggling to make ends meet. Some governments have come out to say that they're giving mortgage payments a break and stuff in the face of the crisis and are advising landlords to give their tenants a break from rent as well for the same reasons.

Since the rent/mortgage stuff came out on the news my social media has been blowing up with posts painting landlords out as inherent, money-grubbing, immoral assholes.

I wish it would stop.

From a sociology perspective, I think everyone is mad at the wrong thing here. They're making it 'us vs. them', renters vs. landlords, rich vs. poor. I don't think that's how it should go.

The problem is capitalism. Money is the problem here. The landlords feel like they can't give their tenants a break because eventually, the money is going to have to come from somewhere.

We shouldn't be getting mad at each other--we should be getting mad at capitalism and fighting to abolish it. Look at what it's doing to us. I'm one of the lucky ones that still has a job in the face of Covid-19. I'm a minimum-wage worker at a fast-food restaurant. It's been tough, these are uncertain times and my shifts have been changed or outright axed without notice for the last few weeks. Despite all that I'm left with this one thought: "it's better than being jobless/income-less/job-hunting". If/when this crisis is over I'm going to 'need' money again. I need to live off of something and if capitalism reigns as it did before then I'm going to need a job. I'm scared of getting sick, sure...but something else I'm scared of is walking into my grocer and not being able to pick up the single litre of milk I walked in for--all because everyone panicked and thought "I want ALL the milk! Fuck everyone else! There are the 'haves' and the 'have nots' and I refuse to become the latter!". The system worked fine--there was enough for everyone--until people got greedy. I'm afraid of getting sick, but something else I'm afraid of is being unemployed and income-less again. I'm afraid of not being able to have my own money to pay for the things I need or the things I want. I'm afraid of the uncomfortable conversations where everyone's first question isn't how I'm doing, but 'have you found a job yet'. What I'm afraid of is going back to the time(s) in my life where my dad would literally say "you're not allowed to have an opinion because you don't have an income." whenever we discussed anything that came up on the news. Seriously, one of those 'good news' stories pops up about pet adoption or something and everyone at the table starts talking about whether or not we own pets. I say 'no...not interested...'cuz owning a pet is expensive." and then dad interjects with, "what do you know--you don't have an income yet" etc. Every damned time--it didn't matter what the topic of conversation was--he always came at me with "you don't earn"...yeah...like I can forget. Oh gee? I don't? Damn, I didn't know that--thank you for enlightening me! Capitalism...and the fact that my dad's an asshole...but yeah--I'm afraid of getting sick, but I'm also even more afraid of this whole "be aware of the money" thing that capitalist society has ingrained in all of us.

Stop getting mad at landlords. Yes, if they own the property they are renting then they're probably profiting off of a necessity...but that doesn't make them assholes. They worked hard for that income property. Sure, if they were really nice people they'd allow the essential roof over one's head for free--especially in times of crisis...but that's their decision. Whether or not they do it says something about their character--but attacking all landlords and making it an 'us vs. them' narrative and reducing everyone in the world to caricatures on the internet--that says something about your character, and it's not very flattering.

#sociology #marx #capitalism #rant

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bitchesgetriches · 5 years

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I am a broke bitch who works like 20hrs a week (I could get more but I have to ask and sometimes they just aren't available) I have about $8,000 in debt and realistically won't be able to pay it all off before 4 years. Live with parents and hubby. Want to build up credit (literally all my money) not including adoption savings and house savings (have 50k in CD in bank) HOW DO WE LIVE? Ramen? Tips? Help!?!?!

Looks like you’ve committed one of the classic blunders...

Whoops, no that’s not it. It’s prioritizing savings over paying off your debt!

Now to be fair, debt and savings are both very important and you should absolutely be doing both. Especially when you’ve got adoption fees and a down payment on a mortgage to save up for. But mathematically speaking, sometimes in makes sense to sacrifice a little savings to your debt.

For example, you’ve got $8,000 in debt. I’m assuming that’s either student loans or credit card debt, which means it’s probably accruing anywhere between 7% and 24% in interest. That’s a lot of fucking money. Meanwhile, you’ve got $50,000 in a CD (certificate of deposit). Even at the BEST rates, you’re earning at most 3.5% on that CD. In other words: your debts are earning interest faster than your savings are.

I recommend that when your CD reaches the end of its term, you take $8k of it to pay off your debt. Wipe it out in one fell swoop. Here’s more on why:

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market

Next, you need to get more work, honey! 20 hours a week is nothing. You’ve got another 40 hours you could reasonably devote to making money. Either get a second job or a number of side gigs. But whatever you do, bring in more. You have the time.

Last but not least, live frugally. You probably know that already, but the less you spend, the more money you have freed up to start working for you. Here are some more tips:

Should You Increase Your Salary or Decrease Your Spending?

http://www.bitchesgetriches.com/category/being-frugal/

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bigeyedchangelingchild · 5 years

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Wow this coping mechanism is not working in the slightest.

Usually when I’m feeling particularly depressed and suicidal I sort of try and convince myself that the quiet domestic life I want is a possibility, but instead I’m currently convincing myself that it’s not.

Basically my datemate made an offhand comment about how they don’t expect to ever own a cat, which I immediately was like “If you won’t have a cat in your home this might not work” to which they then clarified, they like cats, but they never imagined being able to have one with the housing market as it is, essentially the never imagined a landlord allowing it.

Which jumped off this whole thing about how I’ve always imagined owning a house, and they’ve imagined renting, so I started looking up stuff here, and honestly the rental market vs. the housing market is incredible exploitative as I already knew, but the reality is even if we can pay, we will have a hard time getting mortgage because ireland switched up it’s regulations after 2008, which is a problem we would not have in Canada.

So I thought, you know I really don’t want to live in Canada, but like it might be better, and so I decided to look up because datemate wants to do their MA in music therapy and become music therapist could they transfer that qualification to canada.

The answer is no.

In Canada you have to do a BA in music therapy so instead of being a qualified professional they’d need to do another BA.

So now I’m having a crisis over a career that doesn’t even fucking exist yet, because I need to put my hand on some kind of future and I feel like the closer I get to it the farther it seems, and how the hell am I supposed to live when I will always be useless and misreable.

(if you know datemate IRL i.e. you’re that one person, don’t tell them this thank)

I should not be planning our future like this it’d probably be creepy, like we’ve talked a bit about some of those things, but I don’t know how they’d feel that I’m literally mapping out income levels.

Which to be fair I’m always doing because it’s how I justify my continued existence, but in the context of a relationship it becomes different.

Oh and as for my earnings, co-op has taught me that I will not.

like I might eventually be able to make money as a professor, but really, if I’m honest, I am already running a deficit energy wise as a student and I’m not qualified to be an adult or work I can essentially hope I will make some money with self-employed stuff, because I will break myself like I did in High school, I have not grown to draw limits, and I don’t think I can, nor could my limits ever be employable. And I can’t have my quiet domestic life if I’m bouncing in and out of psychotic episodes. so ¯\_(ツ)_/¯

#suicide implied I guess??#I don't know like I don't say anything outright #really it's just a ramble about how my future looks awful and I'm awful #I feel crap #and I'm just spiraling #don't mind me #it's probably partly because anxiety in the kitchen meant I didn't eat today #but like that's another reason to be down on myself

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msnejr723-blog · 5 years

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reinabayldon1-blog · 5 years

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Sports Betting : as Well As Other Types?

I've been a professional sports bettor for prior 6 long time. Many new sports bettors are clueless when they begin betting on sports. I recall this feeling quite well when I began. I got my clock cleaned for a detailed year betting on sports, but now I win enough money to make a great living with sports playing. These are my three sports betting secrets that sportsbooks are afraid you realize. Tampa Bay vs. Florida: When TAMPA BAY team played like a road team - During a night game - Before a non conference game; The OVER is 18-4-0 for the Rays in this particular position since '05. My first piece of advice is to own money stored for sports betting. This is how much be a measure you is able to forfeit. It should not be money you pay your mortgage, 먹튀 car payment, utility bills or any other money you'll want to comfortably run your neaten your home . >SECRET #1 GAMBLING - Gambling and Betting are 2 unique words. Gambling is a sure method most a person to lose their money, simple. Gambling is often a game of chance. However, Secret #2 reveals the real secret behind betting >Whatever the idea is or to blame for your involvement in sports betting, it has been proven that you will be earning money, and the big bucks if you could have luck as well as little knowledge with you can. That is why it is important to collect just as much ?? as is possible so is actually smarter in betting for a games >Some folks bet parlays, however while the payoff is usually higher, the percentages against you winning are greater too order november 23 a parlay, you must win all of the events that you have bet on. The more events that only have wager on, the extra the it's likely that in favor of home. However, when you do win all your bets an individual stand to win fairly specific amount money >Doing Flat betting is advised because guarantees your winning when you decide on more winners than nonwinners. Let's journey to an example promote it more detail.

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justquickmoneyloans-blog · 5 years

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5 Simple Facts About Quick Money Loans Explained

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majorwynkoop2-blog · 5 years

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What Dr. Spock Forgot To inform Us

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letsimportanttreecollection-blog · 6 years

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Will your auto insurance rate increase or could you be ..dropped because of in infraction in ct?

"Will your auto insurance rate increase or could you be ..dropped because of in infraction in ct?

Will your auto insurance rate increase or could you be dropped because of in infraction in ct?

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

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Its for an MG ZR 1.4 I cant go on my parents policies because my dads left my mum and my mum don't drive, so theres no way, plus i have no over family, so its impossible for that option. Of course it wont be cheap but i didn't expect it top be extortion, im male, so i know its higher, ive done some online quotes, it said around 6000 a year, how can a 17 year old even buy that, unbelievable, i was hoping it be around max.. 2000 even that's really high. Lol I ain't exactly rich lol. First ill buy a older rubbish car to get my confidence up with driving, then try to go for this car, its my dream car tbh, i find it beautiful. Im gonna name it Phoenix. lol. i am sad. But i was just wondering about it.. if you have any other advice about insurance, such as, what would make it cheaper ( year the car was made, door numbers etc) or what cars li should buy first.. i would appreciate it highly. Thank you in advanced. :) God Bless you all.""

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Will your auto insurance rate increase or could you be ..dropped because of in infraction in ct?

Will your auto insurance rate increase or could you be dropped because of in infraction in ct?

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No solicitation please.... Just the real facts. For get Geico, State Farm, All State and Travelers ins, progressive and all the TOP COMPANIES""

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Will your auto insurance rate increase or could you be ..dropped because of in infraction in ct?

Will your auto insurance rate increase or could you be dropped because of in infraction in ct?

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Car insurance advice for a 17 year old?

Hello, I just bought a Citroen AX for 500, and have payed a lump sum of 2800 for 12 months insurance. My question is: If I get a 1 year no claims bonus when im 18, how much cheaper will my next 12 month insurance be? How much less do you think It will cost after a year of no claims. And If possible: How cheaper would It cost to insure that car after 4 years no claims? Thanks.""

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Car insurance help please?

I have just passed my driving test and have a car, but the car is in my dads name as he bought it for me, so he is the registered owner. Now I'm worried about the insurance as people have said its illegal to put my dad down as the main driver and me as a named driver. He his another car and a van insured but they aren't on the same policy, they are separate and will be from this one. Will it be okay to do this? I'm not going to be using the car very much and it will cost me an extra grand and a half to have my own name which I just can't afford :(""

Can you buy health insurance in California if you don't have a Social Security number?

It seems like in the USA, you can't do anything without a social security number... Can you buy health insurance in California if you don't have a Social Security number? If yes, please let me know where/how? I won't be able to get a social security number for another 6 months or so... Thanks in advance!""

Estimate how much car insurance would cost?

I just need a ball park estimate: I am 19, female, first time driver. I would have a used Geo Metro from the mid 90's. I can't get on my parent's insurance. Can you give me an approximate range on how much I'd have to pay for insurance?""

Car wreck with no insurance in tennessee?

I was recently involved in a car wreck where I wasn't insured whatsoever. This wreck was considered road rage on both parts. I didn't initiate the road rage. I had a dip spit bottle thrown at my car. It went in and all over me. I followed the other vehicle til he bowed up and stop in front of me where I then rear ended him. He was driving a '99 cadillac escalade and it didn't damaged anything but his bumper. He had insurance thus he didn't get a ticket I don't believe but I did and it says I didn't have insurance the time of the accident and a court date that follows up. My questions are what will exactly happen in court?? I have never been in a wreck. I now have insurance. I'm young. What will the court cost be? How will I pay him? Is there anything that I should know other than to show up?

Could someone explain health insurance deductibles?

What is a deductible? Is it a good thing or a bad thing? Do you want a low deductible or a high deductible? I ask because while trying to find some affordable health insurance, one company said it was $45 a month with $0 deductible. What does this mean?""

How do you find a dentist who is affordable (no insurance)?

My fiance is in pain right now. We're college students and have no insurance and we're really not wanting to cal up dentists and say, How much for a filling? etc. Is there a way to pre-screen for reasonable rates without asking? I know there are probably sites that list/database a lot of local dentists but what about compettitive pricing? And that the websites are kept up-to-date? Thanks in advance - he's eating ibuprofen & pouring on the topical numbing stuff - not sure if I'm supposed to say brand names. Thx again =D""

Can I Sue My Car Insurance Company For Fraud?

I bought insurance for my truck. after 3 months of paying my agent i noticed that my financing bank had added 1300 dollars to my loan as a collateral insurance because they did not have proof of my insurance. I went back to my agent and they explained that they forgot to send the payment for 3 months to the main insurance company and that is why it appeared to my bank that I did not have insurance. My insurance agent told me they were gonna do a re-installment and that they were going to give me proof that i had insurance for those 3 months so i could take it to my bank so they could remove the 1300 from the loan. It's been about 10 months and my insurance agent has not given me any proof of my policy so the bank is still charging me for those 3 months. (about 400 per month since im 20). my agent does not want to refund the money for those 3 months, and they do not want to give me a proof of policy. I do have proof of paying them for those 3 months since I payed with a check that they cashed. I want them to give me proof of insurance for those 3 months or to pay 1300 to my loan because they are charging it due to their fault since they forgot to send my payment. Can I do a civil law suit for those 1300. I have proof of my payment for those 3 months. I also have my policy number but it says it's cancelled due to non payment so bank will not accept that as insurance. right after those 3 months I opened a new policy with them and ive had it for 8 months and ive always payed on time. I recently noticed that when they opened the new policy they inputed my date of birth as if i was 40 years old instead of 20. I do not know if they did a mistake or if they did that on purpose to give me a better price. The thing is that all these 8 months I've been paying i was actually never covered since my date of birth was way wrong. Only my name was correct but I talked directly to the insurance and not my agent and they explained to me that if i would have crashed it wouldnt have covered me since they do not have the correct date of birth. I just fixed that directly with the agent and now they have the correct date of birth so the insurance price went up since im only 20. I dont mind about that. I just think it's unfair that i paid for almost a year and that i was actually never covered because they did a mistake on my information. Plus they caused the bank to charge me.. So i just feel like if all this has been a big scam since i paid so much and did not have insurance. Can I sue them to get my money back or at least pay the bank what the bank is charging me for not having insurance.. like i said i have all the recepits of all payments ive done and i also have a copy of the policy where my information is not accurate and how i was paying without being covered. They could not have made a mistake because I do not look like if im 40 years old. besides they obtained a copy of my drivers license where it clearly says my date of birth. I live in El Paso Texas so does any one know what i can do and if it's possible to get my money back if i sue my agent?""

Holiday Insurance for the terminally ill?

Does anyone know if it is possible to get this and roughly how much it would be? Many thanks.

Im confused about car insurance process?

Does any body know if its standard for the other person car insurance company to know the social security number of the not at fault person? Also, can they deny paying all the medical bills for the accident? Thanks for your inputs.""

""How many low information posters truly believe Obamacare's $5,0000 deductibles constitute affordable insurance?""

How can you say you have insurance when you have to pay $5,000 before it kicks in every year? A study by HealthPocket Inc. in December found that the average individual deductible for Obamacares bronze plan was $5,081 a year42 percent higher than the average deductible of $3,589 for an individually purchased plan. The deductibles on the low-cost plans are the real scandal here. The administration will surely trot out a long line of cancer patients and people with other terrible medical problems who got treatment in 2014 with coverage they werent able to buy in 2013, but there are going to be far more working poor and middle class people who still have to scrape together a decent premium after the subsidies, pay it faithfully, then get sick and go to the doctor, only to find out their policy doesnt cover anything until theyve paid a $5,000 deductible. I predict a LOT of dissatisfied lower income premium payers.""

Can I refuse health insurance from my employer?

I am already insured under my husband and in the past having 2 insurances has caused a nightmare of paperwork. I am about to accept a job from a non-profit, so would me refusing insurance save them money?""

Car Insurance for a 17 year old male...?

I am looking for car insurance as I will (fingers crossed) have passed my test by christmas. I need insurance on a 1997 P Reg 1.4L Renault Megane (which I have learned in, so will be buying off my dad) ... either that or it will be a 1.0L - 1.2L probably M Reg 3 door car, something cheap, small and cheap to run. Most places are either refusing to insure me, or are giving me ridiculous prices of between 3500 - 5000. Also, I am getting quotes as though I already have the full licence, and not provisional. I know people of the same age going to these companies with bigger and newer cars getting insured for 2000. Whats going on? U.K. answerers only please :-) Ta. J. X""

What the average of a male 25 year old would pay for car insurance?

i planning on buying a dodge charge 2013 and getting my own car insurances i want to know around how much i would pay i'm been driving for 6 years already but with my parents insurances. but now i want to get my own car insurance

Will your auto insurance rate increase or could you be ..dropped because of in infraction in ct?

Will your auto insurance rate increase or could you be dropped because of in infraction in ct?

What is a good life insurance company for the price?

I want to purchace some life insurance just in case.

""Why do we call life insurance, life insurance?

when it pays you for dying. Annuities are really life insurance. They pay you in case you live.

Will my insurance rates go up because of this?

I cancelled my Esurance policy and went to State Farm. I received a cancellation email afterward. My policy with Esurance is set to cancel completely on the 8th but I got an email today saying my policy had lapsed. Will my insurance rates with State Farm go up because of this?

Does this make your insurance cheaper?

My friend told me his insurance is a few dollars cheaper because his truck is yellow and more visible. Is that true?? I live in Alberta, Canada.""

Non owners insurance in california?

i am considering non-owners insurance for a car. however, if i drive my friend's car, their insurance policy will cover me. 1) what is the point of getting non-owners insurance, if non-owners insurance already assumes that i don't have frequent access to a car, and my friend's policy will cover me, also assuming i don't have frequent access to his car? also, i know, in the case of an at-fault accident with my friend's car, and assuming i have non-owners insurance, my friend's insurance will kick in first, then my non-owners insurance will cover what's missing. 2) what's the point of non-owner's, if my friend's limits are high enough already? 3) won't my friend's insurance increase since his insurance company had to pay? 4) if my friend's insurance increases, then what does the non-owner's insurance cover/protect??""

Where to get cheap cars in the UK?

I'm talking 500 maximum spend here, just something that will have very cheap insurance.""

Car insurance for a 17 year old? HELP?

Im 17 in the uk and passed my test 2 months ago and have been insured as an additional driver on a parents car since then (2500 for one year on a ka what a piss take). no claims or convictions, nothing. I've been looking to buy my own cheap car but the prices insurers are asking for on comparison websites are absoloutley ridiculous, 10,000 annual for a ford fieta worth 900! I've tried choosing cars with small engines like a citroen c1 but STILL ridiculous quotes. How ar other youngsters complaining of their annual insurance of 3000 when I cant even find one under 10,000!!!! WTF. How are 17 year olds driving their own cars at my college? from what I've seen its financialy impossible unless their parents are millionaires. Half the insurers I go to online are 'unable to offer a quote', and theres no point in me taking pass plus because that'll only take 100 off of a giagantic quote which'll make no difference whatsoever. WHAT THE HELL. my postcode is RM7 if that makes any difference? Is there any kind of specialist young driver insures that I can go to who'll give me a better deal? I mean even if it was 5000 annual I'd be happy! Or insures that do that black box in your car thing? Because Im actually a very safe driver and having to pa astronomical amounts because of statistics is rather annoying. So any ideas of insurers I can go to direct to try and get a decent deal? thanks""

""Which is generally cheaper to insure, Saturn or Neon (90's models)?""

I am looking at liability insurance, and I only have one point on my record, which may actually have dropped of now. Just generally which would be cheaper to insure.""

Will a hemi engine effect my insurance rates??

* * Member since: November 06, 2006 * Total points: 606 (Level 2) * Points earned this week: * 10% Best answer * 171 answers SNIPES8 S Hemi engine insurance????? will the fact that i am considering a dodge ram 1500 with a hemi make a difference in the insurance cost if there wasnt a hemi engine under the hood, the truck is a 4wd dodge 1500 slt with the big engine, i am currently in a v6 4wd 2000 ford explorer, how much will the rates change??? im a 22 yr. old male.""

Liability car insurance in California?

What happens if somebody fully insured rear-ends your car (they are at fault), and you only have liability insurance (no comprehensive or collision). Do you get your car repaired by the at fault insurance company or you lose?""

Do I need health insurance?

I am a healthy 20 year old male... I have a wife, who is also healthy, that really thinks we should get health insurance... My work offers a decent plan for $300 a month... I think this money could be put to better use... a savings account or something. The problem is of course, emergencies. I've seen plans that cover emergencies but only like 80% and they have a high deductible/monthly payment. Any suggestions/ideas??""

My Car Insurance won't pay for my car accident?

I Totaled my 2000 ford mustang gt at an intersection, it was my fault. I ran into a car, and that car hit the car in front of him as a result. So technically i was responsible for damages of 2 cars. I only had liability so i knew my car wouldn't be fixed. But now my insurance company said that my payment for that month was processed the day after my accident, so i wasn't insured on the day of the accident. I just found this out, and i want to know what will happen now that my insurance wont pay for the damages? will the other people's insurance sue me? All answers are appreciated! Thanks!""

HELP! Car & Insurance for 17 year old.?

Hi, I'm 17 in a week & will be starting my driving lessons. I have my theory booked for a few days after & aim to pass in around 6 weeks, depending on the waiting list for the test, having 3-4 lessons a week. Driving a car isn't a problem for me, have had plenty of practise on tracks in my dads weapon ;) & have for the last 8 weeks or so been going to an empty industrial estate one or twice a week, driving my mums cooper S or occasionally my uncles M3. Just need practice with the ways of public roads from my instructor. Anyway, as you can probably tell I've had a fair bit of experience driving fairly fast cars, so thats where i need advice - can anybody suggest any fairly fast cars that are reasonable to insure? or any cheap insurance company's, or any ways to get insurance down, as long as they aren't completely ridiculous lies, I want to keep it as legit as possibly ideally. So far I've been quoted 1600-ish on a standard golf on my mums insurance, but ideally want something a bit quicker then that. My budget for a car + insurance overall is 4-5k. My ideal car would be a GTI, anybody know where i can insure one cheap-ish? ALSO, *PLEEEEASE* no do-gooder's telling me it is 'fronting' to go on my mums insurance, I am well aware of this, however I am also aware that if the car is registered in my mums name with the DVLA, then they don't have a leg to stand on. I have checked this with one of my mums friends, a solicitor. Also, nobody telling me that I 'wouldn't be able to handle the power' or that I'd 'kill myself', believe me, I'd smoke you ;). Sorry its a bit long, please help! :-)""

Should I buy car insurance or not?

I am a teenage driver of 16. Insurance is very high for a teenager. My parents have Allstate Car Insurance for four of their cars including a Toyota Corolla which im going to be driving. The Corolla is covered by AllState insurance. I have a California Driver's License and live in California. About 6 months ago, my mom asked the insurance company whether the insurance would cover the car if she lent the car to someone and the insurance company said that they would cover the car as soon as the person who borrowed the car has a VALID DRIVERS LICENSE. I have a valid drivers license but I am under 18 (I am 16). The insurance person did not say anything about age. My question is whether it is necessary or not to buy insurance for myself. It will be very expensive and I do not want to pay for it but I will If i have to. Do I have to get my own insurance for the car or not? If I dont buy insurance and I drive the corolla and get pulled over, am I okay or will I have problems?""

Michigan Motorcycle Insurance?

I live in Michigan I only ride my motorcycle during the spring and summer, which comes out to be about 6 months of the year. the rest of the time the bike is stored, with no riders. My question is can I get some sort of insurance where I'm covered for six months and the rest of the time it in storage it's on a storage like insurance? I know you can in New Jersey because my friends have in however can you in Michigan? if so could you post a link or where you got this infor from so i can contact them further thank you""

Will I be able to drive my mom's car without my name on the insurance?

I live in Canada, and I am listed under my dad's insurance on his car as an occasional driver, but not my moms because it is more costly. My parents are on vacation and left me both vehicles. My dad's car won't start, so I need to drive my mom's to get to and from work. Will I be okay to drive it even if I'm not listed as an occasional driver on her car, but I am on my dads? They both have the same car insurance company""

What is the insurance cost for a 16 year old guy with a ford mustang 2004?

3 Insurance Questions for a young driver?

(What coverage package would be recommended for a young driver?) 1. What coverage would be recommended to best protect you in the event that your car is stolen? 2. What coverage would be recommended to best protect you in the event that you have an accident that is your fault? 3. What coverage would be recommended to best protect you in the event that your car is hit by an uninsured motorist?

How agent get commission in auto car insurance?

i have assignment to do and i need your help please. my project about auto car insurance. my question is, what are steps that agent need to get commission? and how he get it. thank you.""

Where is the best website to compare pco insurance prices?

fully comprehensive i would like a quote straight away. some websites you give all the details and it says that the company will contact the person regarding the quote. i want to compare mini cab insurance not taxi insurance. thank you so much in advance. :)

""I damaged my car, i got a quote off the garage, and the insurance said they will pay,?""

so i let the garage send a quote and the insurance said i can leave my car in, but now i have found another garage nearer to my house and he will match the quote, plus repair it at weekend , so i dont need the car. can i change to this garage .. i live in Ireland thanks""

How does an Insurance Claim work?

How does an insurance claim work. Let's say I get up one morning walk outside and my car has been stolen? The police come out and take a report, then they leave. How long would it take insurance cover this and how much would they cover? For example, if I have a car that I'm financing that is worth $24,500.00 dollars that had full insurance coverage. Basically, how does it work? Since it's being financed, I'm sure the insurance company would pay out the remaining balanced owed on the car to satisfy the loan with the finance company but what happens to me afterwards? Lets say I have $100,000 dollars in coverage that covers me in case of theft or something like that. Being that the car was fully covered and insurance was able to pay back the loan, would they give me the money to buy a new car at equal or face value of the car that was stolen? Insurance is so friggin complicated...if someone could explain the process to me I'd appreciate it.""

""I bought a good life insurance for my family, Just how much does McCain loves 303 million Americans?""

I bought a good life insurance for my family, Just how much does McCain loves 303 million Americans?""

Can i use my mom name for car insurance?

can i use my mom's name for car insurance because car insurance for me is really expensive because i'm young...and she's in her late 50's but the thing is, is that she doesn't have a license to drive....so can i still use her name to buy car insurance?""

California health insurance?

I just need to know the monthly cost of health insurance in california, for a school project. If you know how much dental costs it would be nice if you could tell me that also. Thanks! p.s. its for two people""

Will your auto insurance rate increase or could you be ..dropped because of in infraction in ct?

Will your auto insurance rate increase or could you be dropped because of in infraction in ct?

https://www.linkedin.com/pulse/what-would-insurance-maintenance-cost-cars-noah-henderson/"

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sturdy-nerdy-stitchery · 6 years

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She works hard for the money!

It's just so nice to see my store pick up in business! 4 orders in a week vs the previous...3 orders in a year! And no...this isn't me begging you to support my small business because I have some tragic story where I am broke and have to pay a large bill because my dog or kid got sick and I can't afford the medical expenses.

Far from it. We are average adults who have jobs and can pay our bills. We got this!

Naw...This is just me excited to be earning a bit of extra $ on the side...my husband's birthday is this month and mine next month and our anniversary is on October 7th and it would be nice to be able to get him something nice rather than not (I haven't decided what yet... But it better be awesome cuz he's also a nerd who likes gaming another nerdy things!)...I've been pinching pennies for so many months... that...to have a small pile of money that doesn't need to go toward food, mortgage, or bills for once...feels pretty nice....I am sure most of you bill paying adults can relate

But hey...feel free to buy some of my patterns and support the "help the wife to get the husband a really awesome birthday and anniversary gift" fund....LOL. I won't say no haha! And if he happens to get a life-size replica of the iron throne chair to put in a house that can't even fit it to begin with... I can tell him that all you guys helped!

(but no on that chair because I have no room to put it haha)

but in all seriousness... When I get home from the grocery store... I'm probably going to work on some more patterns to put on my shop because it's so exciting for me that people like my patterns and what to stitch them... In the past my Etsy Shop was something different and it didn't really do well at all and it was so disheartening... So this time around I'm sure you can understand my excitement

P.s to those who are seeing my blog for the first time... please check previous posts or the about me sections to find my sturdy nerdy Etsy Shop link if you're interested in working on some new projects!

#etsy #etsyshop #etsy page #cross stitch patterns #cross stitching

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zoocold61 · 2 years

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7 Steps To More Successfully Handle And Cut Back Your Debt

These goods and services supplied by governments are typically considered critical to the public interest and welfare. The kind, amount, and high quality of products and services supplied by governments usually are not topic to the market forces of supply and demand. Thus, enacting and adhering to the budget establishes restrictions in the absence of a aggressive market. I truly have always thought of myself as a author, but I began my profession as an information operator with a big fintech firm. It only works for those with entire life policies which have constructed up money value. It's also necessary to notice that even when you do have beneficiaries, you may be able to tap into part of the cash worth of your entire life policy, getting cash for debt reduction and nonetheless leaving some life insurance proceeds to your family members. If you could have maintained a great relationship for a few years, you could be in a a lot better place to qualify for a lower interest rate. 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Essentially, it offers an account of how the online revenue realized by the corporate gets remodeled into net earnings . Is the third assertion prepared after the statement of retained earnings and lists what the organization owns , what it owes , and what the shareholders management on a specific date. Remember that the balance sheet represents the accounting equation, where property equal liabilities plus stockholders’ equity. (which is commonly a component of the assertion of stockholders’ equity) reveals how the equity of the group has modified over a time frame. The statement of retained earnings is ready second to find out the ending retained earnings steadiness for the period. Appointment Scheduling 10to8 10to8 is a cloud-based appointment scheduling software that simplifies and automates the process of scheduling, managing, and following up with appointments. Budgeting is a vital process for skilled nursing facilities, significantly in the wake of 2020’s economic turmoil. These accounts are used to make per affected person day calculations, an essential metric for evaluating your facility to the competitors. This inherent conservative strategy to valuation is as a outcome of desire to stop the overestimation of inventory throughout inflationary periods. Marketable securities are shares and bonds that a enterprise could hold in the hope that they would offer a greater return to the business rather than just letting money “sit” in a bank account. Most of these securities could be simply became cash—should the necessity arise. In Completing the Accounting Cycle, we continue our discussion of the accounting cycle, finishing the last steps of journalizing and posting closing entries and preparing a post-closing trial stability. You may discover that dividends are included in our 10-column worksheet steadiness sheet columns although this account just isn't included on a steadiness sheet. Three The Purpose Why Your Startup Needs An Accounting Firm To achieve this mission, we invest in our passionate, proactive and reliable team to ship the most effective shopper experience each time. At MPA we have a staff of seasoned experts who've deep industry experience. We assign analysts whose background and expertise matches your trade. Entrepreneurs typically need assistance taking their ideas from concept to actuality. Help companies get off to a robust begin by assisting with enterprise plans, business financing, money move projections, accounting software choice, bookkeeping and accounting providers and business incorporation. A consumer who begins small can end up sticking with trusted advisors who helped get them launched. For a enterprise to proceed to grow and expand, they want a better degree of support that comes from experienced accountants and CFOs. While creating an net site is an essential step, some might worry that it’s out of their attain as a end result of they don’t have any website-building experience. While this will have been an inexpensive fear back in 2015, web expertise has seen large advancements in the past few years that makes the lives of small business house owners a lot simpler. Some work on an hourly basis whereas others accept a flat price for project work. Other accounting providers are paid an annual sum of cash that covers the entire year's price of accounting work. A advertising skilled will demand an annual wage in the range of $35,000 to $60,000 or more. If you do not want to handle the accounting work on your own, it is going to be essential to rent one or a quantity of accountants. In addition, you'll find a way to hire consultants to design and set up your accounting system, present financial planning advice and clarify financial statements. You can outsource chief financial officer providers, corresponding to succession planning and oversight of mergers and acquisitions. No matter what worth added services your accounting agency chooses to offer, you will develop deeper relationships with shoppers, extend your potential client base and understand additional business alternatives. Milestone Business Solutions is a neighborhood Indianapolis outsourced accounting providers firm with a nationwide footprint. We’ve founded Milestone as a direct response to the need from small companies and nonprofits that are in search of a real partnership in business.

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