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#i think i can manage like $50 a week for groceries if im careful
piplupod · 2 years
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i know the answer is greed and potentially also rising costs but why does anyone need to pay anything over $300 for a place to live. especially when its a studio apartment like... it doesn't make sense idk
#infuriating bc im rly trying to look at if its realistic for me to be alive dnfjdkl#and like. if i get on disability thats 1400 a month (2k is below the poverty line in canada and yet... 1400 is enough for disabled ppl 🤪)#but then most supportive living places want to charge me 70% of my wages (so disability+any money i make outside of that)#like. what am i supposed to use to survive then lol#how tf do u expect me to pay for groceries and transportation and other necessities. i can probably manage that but.#then theres no money left over for fun things. thats fucking miserable#thats 980 for rent. then 420 left over for Anything Other Than Rent#idk if the supportive living places even provide internet or if u have to pay that#so fuck me i guess lmao#i think i can manage like $50 a week for groceries if im careful#which does leave me $220 for anything else. but idk#if i had to pay for internet that'd be roughly $100 from what I've seen for the cheapest plans available... rough#so 120 left for whatever else. also the groceries isnt counting like.. anything other than food oops#so i guess i will just never be able to have any savings djfjdkl#like maybe if i keep my limit of spending to $50 a month for any clothing or ice creams or whatever else#art supplies or plushies or whatever else. doughnuts etc. then maybe i can squirrel away 70 a month#the 50 would also have to go towards bus tickets probably bc govmt doesnt always give u a bus pass for disability#i think u have to pay for it each month? i cant remember#god that sucks#like legit if it's going to be like that then I'd kind of rather kill myself dbdjdl that sounds miserable to me#esp since i have no irl friends and i dont think im going to be able to make any bc im so twitchy and jumpy and bad at socialising fhjdkl#idk. i dont think I'll even be approved for disability to be entirely honest. don't think im disabled enough for the govmt to approve me#so rest in peace me i guess maybe literally fjfjdkl#idk how anyone is alive anymore this is just a fucked up world and i think im tired of dealing w everything#suicide tw#pippen needs 2nd breakfast
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newpersonnality · 4 years
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50 QUESTIONS YOU’VE NEVER BEEN ASKED
Thank you twiny @attheshore for this cute as hell tag <3
tagging: @surrealsunday, @flying-elliska, @plvmour
1. what is the color of your hairbrush? dark grey
2. a food you never eat? anything minty. I tolerate mint in drinks but i cant eat it.
3. are you typically too warm or too cold? too warm
4. what were you doing 45 minutes ago? having dinner with my parents
5. what is your favorite candy bar? Kinder Bueno
6. have you ever been to a professional sports event? yes
7. what is the last thing you said out loud? ‘is Pixie still outside?’ (asking my parents if the cat came back already or not)
8. what is your favorite ice cream? vanilla <3
9. what was the last thing you had to drink? sparkling water
10. do you like your wallet? yes, i’ve had it since i went to Singapore for an exchange program during college, so for 3 years now!
11. what was the last thing you ate? a leek quiche
12. did you buy any new clothes last weekend? nope, kinda not the priority at the moment :)
13. the last sporting event you watched? soccer during an apero with friends (is apero an English word? im not even sure lmao)
14. what is your favorite flavor of popcorn? sweet probably? I dont care much for popcorn tbh
15. who is the last person you sent a text message to? my coworker, I sent him a meme (he’s 50 and im educating him on what a meme is)
16. ever go camping? yes, the last time was for a fest with friends. It was AWFUL and someone stole my sleeping bag at the end of it (still one of my best memories with my best friends though)
17. do you take vitamins? rarely
18. do you go to church every sunday? no
19. do you have a tan? yes!!!! (got a few sunburns before that though...)
20. do you prefer chinese food or pizza? pizza
21. do you drink your soda with a straw? no
22. what color socks do you usually wear? plain white or black
23. ever drive above the speed limit? i try not to. I drive a company car so if i get a ticket my manager + Human resources are the first to know... great incentive not to drive too fast tbh.
24. what terrifies you? jellyfish
25. look to your left, what do you see? my yellow super comfy sweater and my phone.
26. what chore do you hate? ironing!!!
27. what do you think of when you hear an australian accent? tbh i just hear someone speaking a different Language than me, im not really concerned about their accent?
28. what’s your favorite soda? lemonade
29. do you go in a fast food place or just hit the drive-thru? go in, but when i go it’s because i need wifi to work between places.
30. who’s the last person you talked to? my parents
31. favorite cut of beef? I dont like beef
32. last song you listened to? Dying in LA - Panic! at the disco
33. last book you read? Captive Prince by CS Pascat
34. favorite day of the week? friday, last day of work, first night out (usually)
35. can you say the alphabet backwards? nopeee
36. do you like your coffee? is the question how do i like my coffee? then, black with half a sugar.
37. favorite pair of shoes? black shoes with silver heels.
38. at what time do you normally go to bed? 10-11 pm
39. at what time do you normally get up? when im working i dont have a regular schedule. A few days a week i have to wake up around 4-5am. If i have a more “normal” day, it’s 6:45am. In holidays and weekends i rarely sleep longer than 8am but i can stay in bed longer.
40. what do you prefer, sunrise or sunsets? sunsets
41. how many blankets are on your bed? one
42. describe your kitchen plates. white with different shades of purple dots.
43. do you have a favorite alcoholic beverage? red wine all the way baby! (but oh the headaches the next day)
44. do you play cards? yes with my friends. Im a Tarot nerd (the game, not the prediction thing)
45. what color is your car? light grey
46. can you change a tire? i think i forgot...
47. what is your favorite province? either a big city like Tokyo or somewhere in Italy.
48. favorite job you’ve ever had? my previous job.
49. how did you get your biggest scar? i have one on my left shoulder, it has faded a lot but basically when i was younger i was playing too close to the iron when my mother was ironing and it kinda fell on my shoulder and burnt me.
50. what did you do today that made someone else happy? i went grocery shopping and i bought my mom her favorite biscuits she couldnt find anymore in her usual store.
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rogue-snorunt · 6 years
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Why I made a ko-fi
I got an anon who said that if I'm going to ask the public for money, than I need to explain why and it better be good. Which. Subtlety kind of rude but I get it. I'd want to know the story too and while I did give the explanation already in my first post about it, because I broke my own link with my incredible stupidity, I took it down.
reposted the link to my Kofi that hopefully works now but did leave out the explanation because I feel bad involving others in my problems and I don't want people to hear em and feel guilted into anything.
So here it is: the full obnoxiously long saga of the series of unfortunate events that had led me to making the Kofi from start to finish describing my 2017-2018 life presently.
It all started back in January of last year..
The cafe in which I work.. Worked? Work.. closes every January for cleaning for anywhere between 2wks and a month and in the time they encourage us to apply early and collect unemployment. This would be my first and last ever time doing this.
Why close? Mainly because my bakery is an old fashion French bakery where our lawyer city boy rich owner went to France and liked some countrymans brick oven so much he dropped I think it was a million or so to not only buy the oven, but to actually bring said oven to America brick by fucking brick.
And to clean this wood fed oven the size of a living room, you need AT LEAST 2-3 wks to let it cool down enough for some poor scrawny guy to climb in through the tiny wood stuffing hole and excerise all that soot. Plus deep cleaning a detached two story bakery; the kitchen and cafe itself..
Anyway back to the plot:
So on Jan 1st,2017 I applied and by Jan 14th2017, the place temp closed for cleaning.
I had saved 900$ for this because I'd be okay for the month.. $200/month for rent; $50 for phone, $35 for gas, $130 for groceries for me (who has strict diet of lactose and gluten free diet because I WILL die if I eat gluten because my organs swell; attack themselves and try and shut down. Rip™ my diet gets fucking hella expensive. Bread alone is &4-$5 bucks) $300 monthly student loan etc..
Well: not a week in our gas heater said fuck you. So to help repair, there went -$400 bucks. A WEEK IN. Than my grandmas car died, -$250 a week later. Fuck me gently.
Than the fateful blizzard night of Jan 31st 2017 that would be the catalyst of unfortunate bullshit leading today.. at 4:35 on my friend was bringing me home after a fun weekend, as I do not have a car, and he wanted to make sure I got home safe before the super storm hit. The cafe was reopening Feb 10th.
I was later informed that at around 4:56, my friend hit black ice and we °360 hard into a tree. I only remember seeing it about to happen and worrying about my glasses about to break, then nothing. Then looking at my blurry hand and even with my one good but still kind of blind eye, I saw that it was black; blue and I couldn't move it. Then I guess I said "well shit" and went to sleep.
I had broken not only my glasses trying to protect them, the fucking irony.. but my metacarpals; my nose, inhaled the chemical death from the airbag and recieved mild chemic Burns to face and throat. My smol rib cage was punched by the airbag so hard it got bullied out of place and was now compressing my lungs and a severe concussion.
My friend luckily being a 6' ft some man was set far away from air bag and being the impact was more my side, had only bad bruising to the limbs but okay. His truck now an accordion.
The doctor only looked at my hand and ignored my concussion, as I had an in the ambulance and was apparently making stupid nonsense jokes. So they assumed I was fine I guess.
I had to call in to my job and sadly tell them the news I would not be able to work for maybe a few months.
A month later while home and coming down the stairs, I suddenly could not breathe and got light-headed. Not good when you on stairs. I ended up refuckin up my metas and now add broken tail bone to the list.
My return to work just went from hopeful 3-4 months to 6. I was not financially equipped for this
But wait rogue! The unemployment!
Ah yes. The fucking thing that would fuck me harder then the airbag and stairs combined.. You see:
I had asked everyone I knew that had ever collected unemployment before what to do and even the girl who did the disability thing: for I was unable to work; disability would not kick in until at least a month. I got bills men, life don't stop cause bad shit you know?
Everyone told me, collect unemployment until Disability kicked in. Then stop. Okay.. these 6 people would know best right? Dingdong: unfortunate event #3 so far:
By the time disability kicked in I had collected $700 caps. Nice! Right? Well my honest naive ass thought how you cancelled unemployment was to tell em to cease and why. So I did.I explained what happened. This proved to be the biggest mistake of my pathetic life and installed the lesson of "don't be honest with big brother." They said "oh no you got injured? Well guess what fucko. You now have to pay back the $700, or else and guess what, we adding an bonus fuck you of $200 ."
Hahahahahaha-what?
I'm not able to work; disability only gave$100 some and I got friends and family I am in debt to for helping during these shenanigans.
Then unfortunate events #4-#9 took place. my aunt died.
I had to be hospitalized for pancreatitis; kidney stones and infections a few times, sometimes for all em at once.
Then my dog prostate cancer became apparent and despite the medicine and surgery every thing that could hell, he had to leave us for the rainbow bridge.
Than my grandma's car died again.
Then my stepmother died.
Grandma had to get surgery for her knees and began to complain of occasional blindness and migraines.
Went back to work early because you guys do what you gotta do man, only it's 7 months later and in a couple more, the fucking Cafe is going to close again.
By the time it did, I had been using every paycheck to catch up on bills; pay back the my friends and family lent, paying the late bills from my dog and car repairs, back owed payment and feedback to the student loan. and just as I had started seeing the light at the tunnel.. we closed and I wasn't prepared.
Unemployment have nothing but the middle finger.
It'll be fine.. I can handle a month. It'll suck but-
ITS NOW MAY AND THEY AIN'T OPEN.
During the time I was laid off this year I spent my time as follows:
Joined Tumblr and began to meme to counter that bi-polar depression and made some friends, looking at you @m-is-for-mungo 😘💞💞
A man grabbed my hand that didn't heal right and squeezed it so hard he fucked the bone. Had to go back to p.t. Hand once again fucking useless and I had posted about this way back, if you dig in my archive, you'll find the posts.
Applied for a state job at our prison with my friend whose already there, as kitchen worker
Got the surgery that I could no longer put off as it was too fix the anatomical problem contributing factor to my organs rioting like they do, but thankfully since it was considered life threatening, my insurance covered it.
Finally deal with death of my dog; and my family. Then my dad having a stroke and other family stuff.
Got that pesky rogue ribcage displacement taken care of
Fell down the fucking stairs again.
Adopted a special needs cat.
Became once again a financial burden and the moment I could, filled the still laid off time by trying to help my friend at their restaurant as much as possible.
Got the "we want you asap BUT thanks to state Bullshit like budget stuff.. We have to wait for the actual state to say yes" call from the prison call.
My uncle was discovered to cancer but by the time it was found, he had a week left. Then he died.
Got my shit broken by the scorned ex of our roommate
And then got the fucking letter from unemployment mildly threatening me to pay up.
But you said you didn't have a car in January 31st but then you do now??
After the car event, my friend told me to seek comp because I did get fucked up and being a baker who broke their hands, shit ain't good.. I did not want to because it was my friend, it wasn't their fault and if I had had my own car or just during go there in the first place this wouldn't have happened. Reluctantly after much badgering, I did.I did not get anything however until a year and half half later. and yeah, I’ll tell you how much seeing how Im being brutally honest: $10,000.
I immediately bought a $4000 car so I would never again be a burden and every single car I’ve ever owned have been $100+ garbage death traps I got from shady people and for once in my fucking life I wanted a car that wouldnt break down or try to kill me a week later; helped my grandma buy a car that wouldn't fail her, bought her a new fridge because hers died and paid some of her bills she got behind on. My friend had fallen behind on their bills as well and I owe everything I am and still being alive to these people.
You bet my stupid ass, I used almost every dime to help them. And id fucking do it again because: homies help homies.. And when your Nana whose been both mom; dad and nana to you and is the reason you weren't place in foster care needs you.. You fucking help her no matter what.I did have enough to pay the student loan for last month and this month. I got a new track phone because mine broke, bought a pair of shoes because I've only ever had my loafers and the soles fell off finally and I brought groceries. I have enough to pay rent and I am now tapped out.
My only debt is this $900 fuck you from the government and my $15000k student loan.
And now y'all caught up on the fucking disaster that is my life.
I'm sorry for this sobstory of me crying about my problems but i.. I really do not like asking for help.i hate asking for help. I hate that I have to ask for money because I've been in desperate shitty situations my whole damn life and managed to somehow scrape by but for the first time, I'm in a situation that I can't fix alone. And I fucking hate it and that I have to admit it. but I need help .
This is why I made the Kofi
A kofi that is absolutely only for and will only be used, to pay that $900. I promise you that even if I become homeless, I am going to pay that goddamn bill before anything else. Because I helped everyone with their debt and they are all good now, we all squared and now it's my turn to be okay glib-dimit
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resilientreader · 5 years
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1-98 for asks like we did a million years ago, I dare you
i knew the MOMENT i saw the notif in my inbox that it was gonna be YOU pulling this shit and i crossed my fingers when actually clicking, HOPING i wouldnt have to answer all 98, maybe you’ll be tame this time, but no! this is what you’re doing to me. and ykno what, Fine. u dare me and i Will do it. i hope u rb the asks post so i can do it to u too, tho
1. coffee mugs
2. chocolate bars
3. bubblegum
4. that smart student who always read instead of actually paying attention
5. soda from glass cups is the best
6. its hard to just Decide between all these styles so ill say which one applies to mine most, which i Gotta say has to b preppy even if i want like goth or grunge to b mixed in
7. headphones
8. good omens, fmab, castlevania, uhhhh. those are just the ones ive watched so far this summer
9. my grandparents’ home. which is kinda weird but i have a lot of summer memories there
10. i sucked at like Everything in p.e., there Was no best
11. leftovers
12. i cant choose a favorite playlist?? /some/ of them, tho, are soar my ethereal heart, neither here nor there, mountainside storms, and sync of my heartbeat. so like any of my more recent ones
13. lanyard
14. i had to google a list for this bc honestly i always eat just chocolates but i like starburst
15. fahrenheit 451 was a rly fun read. ray bradbury’s writing gave me inspo for metaphors and writing and such and it was rly nice
16. sprawled across one of those comfy armchairs where i can swing my legs over one arm n lay my head on the other one
17. my black converse
18. cool temperature and rain without storms, or a cloudy day that lets me take a nice walk
19. on my side if i can but on my back otherwise
20. on my laptop, in google docs, to be more specific
21. winnie the pooh
22. idk?? i try not to look to just one person for a source of “this is how i should be”, so i guess,,,, a mix of family members and then a couple like more famous ppl??? which would basically consist of one of my aunts, my dad, and jenna marbles, to keep my Brain Process for role model stuff simplified
23. i dunno if any of the habits i have are strange?? i bounce my right leg and my right hand kinda. like. shakes when im nervous. i cant rly think of anything else i do tho i Know i probably have other habits
24. amethyst or pyrite
25. ur really just assuming my memory is good enough for this but if i had to say, it’d be any popular song from 2009 specifically
26. hide in my room with a fan and ac
27. read with a blanket wrapped around me or smth
28. atlas: six by sleeping at last, flaws by bastille, atlas: five by sleeping at last, she by dodie, and neptune by sleeping at last. there are probably more/better ones but those are the first ones i found
29. listen. be open with me. talk with me. not to sound like that person, but sharing ur life secrets is a rly big ice breaker for me because it helps let me know i can trust u. but also idk im a really awkward person and can accidentally distance myself from ppl so when ppl notice theres smth up w me or even do the bare minimum of doing Their part to maintain a friendship, that’s always rad as shit when idk how to communicate what i need
30. my room, my high school’s auditorium, the local barnes and noble
31. black boots, black jeans, any button-up shirt that’ll match that combination OR a really cool sweatshirt
32. im a bad bitch, you cant kill me. road work ahead? uh, i sure hope it does. it is wednesday, my dudes! welcome to chili’s. i love you, bitch, and i ain’t ever gonna stop loving you, bitch.
33. probably “omg” or “oh my god”
34. sc johnson. a family company.
35. i dont even have one but on a good night like 10-11
36. the troll face memes
37. suitcases feel much more organized
38. lemonade
39. lemon cake
40. ummmmm....one time a tech/theatre kid left a paint can sitting out in the open accidentally and a person took a shit in it or smth then knocked over the can, spilled a bunch of paint, and tried to clean it up w a broom and proceeded to like snap the broom in half. then they ran away to leave the kids to clean it up the next day. i wasnt actually there for that but ive heard the story firsthand enough times to Know
41. my dad
42. jacket pockets
43. hoodie is what i wear, tho everything else is Very Good
44. lavender
45. fantasy, my dudes
46. this set of pjs i got for xmas w a soft tshirt and matching baggy flannel pants
47. colby jack
48. uhhh a banana?? i could probably give a better answer if i was more
49. i dont rly live by a quote or saying, i just Go for it
50. my sister has probably done smth before to like Break me
51. everything ever but mostly myself
52. arial
53. uhhh...kinda worn? my nails aren’t doin so good and i have a couple scratches and stuff that Still havent healed after a few weeks
54. get a move on
55. the ugly duckling
56. tradition is kinda vague but i like that it became tradition for me and my siblings to go to my grandparents’ home every summer
57. i think im still overcoming like everything ive been faced with ever
58. writing? listening, helping, giving advice. idk tbh like talents who?
59. "jesus christ, my dude”
60. a fantasy/comedy, or at least if its gonna be fantasy with death and stuff, it should be dope as fuck
61. "isn’t vulnerability the opposite of being in control?” from a webcomic called aerial magic. super simple but the entire scene leading up to it,,,,,so good
62. umm fuck! i dont kno whether favs r usually ones that i relate to or ones that i wanna b like but??? keith from voltron, jirou from bnha, chromedome and/or rewind from transformers/mtmte, sypha from castlevania, and jayfeather from warriors
63. planetary (go!) by mcr, the seed by aurora, hayloft by mother mother, the cup/halloween blues from relient k, choke by i dont know how but they found me
64. coolmath was THE shit
65. yes! two on my leg from a surgery i had to get to realign my femur, bc i snapped the bone in half
66. lavender, snowdrops, hibiscus
67. i dont really have any, mostly bc i have a hard time attaching like. That sorta meaning to just random objects, but i do still have a small teddy bear stashed safely away in my room from when i was a little babee
68. pickle-flavored pringles. disgusting. would not recommend
69. lions’ roars can be heard up to 5 miles away from the original source
70. right handed
71. horizontal stripes, i guess? there’s not much wrong with them but i just Never wear them
72. math
73. i dont usually eat /weird/ flavor combos, even tho ill eat basically anything, but i like ketchup in mac and cheese sometimes. or fries in shakes. chicken and waffles. stuff like that
74. 11
75. idek honestly, my memory is too bad
76. hashbrowns
77. i dont kno a Lot of plants off the top of my head other than the Basic ones but literally any flower in a windowsill is like bone apple teeth in my mind
78. sushi from a grocery store. publix taught me that grocery stores can, in fact, be trusted when needed
79. my school id photo
80. earth tones
81. fireflies
82. pc
83. writing
84. talk radio is nostalgic but podcasts are always more entertaining to actually listen to
84. polly pocket
85. mythology with a dash of fairytales
86. cupcakes, because of my dog’s name
87. abandonment
88. to grow unbreakable attachments with everyone i care very deeply about and grow into an old age with them, or something
89. i feel like answering this question totally honestly would hurt ppl’s feelings, but also i literally could think of like 4 people to put down for this and i’m bad at deciding, esp w smth like this, so. not to b vague but These People kno who they are
90. becoming a part of a certain website with a bad crowd and managing to pick out the good apples in such a rotten batch
91. boxes
92. lamps /and/ fairy lights
93. i dont rly have any but my parents call me hannah banana. that’s ab it, tho
94. fall/winter? it kinda is inconsistent because fall has bad weather in florida but winter is when like everything has Gone Wrong in life these past few years, but then fall has such a GOOD aesthetic and my birthday is in winter, so they’re pretty even rn
95. uhhh??? thats such a weird thing, to try and assign a “favorite” app, but the only thing i could think to say would be spotify just bc i use it so much on my phone, even if the app itself isnt the greatest
96. i havent set one, actually, bc im lazy and havent found anything that’d fit
97. 2 and a half
98. the part where fish were learning that they could walk on land
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shutterbughen · 5 years
Text
i only shitpost my personal life on this social media so here’s tag thing
200: My crush's name is: Absolutely nobody lol
199: I was born in: 1999
198: I am really: Impulsive
197: My cellphone company is: Metro
196: My eye color is: Brown
195: My shoe size is: I’m Bigfoot so 9, sometimes 9 1/2
194: My ring size is: I have no idea
193: My height is: 5'9
192: I am allergic to: bees?
191: My 1st car was: Chrysler seibring
190: My 1st job was: Technically Hardee’s but MJR
189: Last book you read: I can't remember
188: My bed is: Where I take tf out of my depression naps
187: My pet: N/A
185: My favorite shampoo is: OGX
184: Xbox or ps3: PS3
183: Piggy banks are: Probably fun to break
182: In my pockets: No pants ;)
181: On my calendar: If I had one it would just be work
180: Marriage is: Unlikely
179: Spongebob can: Keep making memes
178: My mom: Better when we’re apart
177: The last three songs I bought were? The last three I DOWNLOADED were Revenge by XXXTentacion, 6 Inch by Beyoncé & The Weeknd, and Self Care by Mac Miller
176: Last YouTube video watched? Joji - rain on me
175: How many cousins do you have? Too many
174: Do you have any siblings? 7
172: Are you taller than your mom? Yeah but barely
171: Do you play an instrument? I can somewhat play the piano but it’s been a while
170: What did you do yesterday? Slept in kind of late, watched Netflix. Depression days lol
[ I Believe In ]
169: Love at first sight: I want to
168: Luck: That’d be nice
167: Fate: In a way
166: Yourself: Sometimes
165: Aliens: Absolutely
164: Heaven: Um
163: Hell: Who knows
162: God: I used to
161: Horoscopes: Not really
160: Soul mates: Yeah
159: Ghosts: Yes
158: Gay Marriage: Duhh
157: War: I guess it depends, generally no
156: Orbs: Anythings possible
155: magic: Nah
[ This or That ]
154: Hugs or Kisses: Both
153: Drunk or High: Lol
152: Phone or Online: Phone
151: Red heads or Black haired: Doesn’t matter
150: Blondes or Brunettes: ^
149: Hot or cold: Cold
148: Summer or winter: Summer
147: Autumn or Spring: Autumn
146: Chocolate or vanilla: Vanilla
145: Night or Day: Id like to say night but I’m usually more prone to depression and missing my ex at night, so probably day
144: Oranges or Apples: Apples
143: Curly or Straight hair: Curly
142: McDonalds or Burger King: Neither
141: White Chocolate or Milk Chocolate: Whiteee
140: Mac or PC: Mac
139: Flip flops or high heals: Flip flops be easier
138: Ugly and rich OR Sexy and poor: Whichever option leads to me not being screwed over, but I’m not picky
137: Coke or Pepsi: Coke
136: Hillary or Obama: Obama
135: Burried or cremated: I don’t know
134: Singing or Dancing: Singing terribly while driving home from work at 3am
133: Coach or Chanel: Idgaf
132: Kat McPhee or Taylor Hicks: See above
131: Small town or Big city: I like the vibe of both but I’ve always wanted to live in a big city
130: Wal-Mart or Target: Target
129: Ben Stiller or Adam Sandler: Adam Sandler
128: Manicure or Pedicure: Manicure but I desperately need a manicure
127: East Coast or West Coast: East, although West Coast would be cool too
126: Your Birthday or Christmas: No opinion
125: Chocolate or Flowers: Flowers
124: Disney or Six Flags: I’ve only ever been to Disney
123: Yankees or Red Sox: Red Sox I guess
[ Here's What I Think About ]
122: War: No strong opinion
121: George Bush: 9/11
120: Gay Marriage: Well I’m bi so clearly against lol
119: The presidential election: Trump sux
118: Abortion: My body my choice
117: MySpace: That’s how my dad met my step mom
116: Reality TV: Stupid but fun to watch
115: Parents: They screwed me up
114: Back stabbers: See ya
113: Ebay: I used to buy my cosplays on there
112: Sex: Not sure where I stand with that for myself
111: Work: Used to be a chore, but it’s better now. I like working
110: My Neighbors: Loterally no opinion at all
109: Gas Prices: RIP wallet
108: Designer Clothes: Would be cool if I could afford them lol
107: College: Expensive
106: Sports: Not a sports gal
105: My family: My sister is great
104: The future: Horrifying
[ Last time I ]
103: Hugged someone: Sort of recently but I don’t remember who
102: Last time you ate: Like an hour ago
101: Saw someone I haven't seen in awhile: It’s been a while
100: Cried in front of someone: I’m sure I have recently but not sure when
99: Went to a movie theater: Almost everyday
98: Took a vacation: I went to Chicago randomly a couple weeks ago
97: Swam in a pool: Now that I think about it it for a while
96: Changed a diaper: Never
95: Got my nails done: Too long ago
94: Went to a wedding: A couple of years ago
93: Broke a bone: I broke my toe last year
92: Got a peircing: Ears was the first and last
91: Broke the law: Ughhh is a cop asking me this lol
90: Texted: My sister was the last person I texted
[ MISC ]
89: Who makes you laugh the most: Friends
88: Something I will really miss when I leave home is: I already left, I miss my sister but that’s it
87: The last movie I saw: In theaters? Probably Endgame
86: The thing that I'm looking forward to the most: Nothing specific but in general getting my shit together
85: The thing im not looking forward to: All the work that comes with getting my shit together
84: People call me: Dani
83: The most difficult thing to do is: Staying vegan
82: I have gotten a speeding ticket: No
81: My zodiac sign is: Scorpio
80: The first person i talked to today was: My coworker
79: First time you had a crush: on 2nd or 3rd grade to a boy named Tyler
78: The one person who i can't hide things from: Sometimes I feel like the only person I can ever be completely honest with is myself
77: Last time someone said something you were thinking: Me and my sister both said the exact same thing today
76: Right now I am talking to: Nobody
75: What are you going to do when you grow up: Hopefully have everything under control, travel, be content on being with myself alone rather than relying on other people to make me happy
74: I have/will get a job: I’m a manager at MJR right now, not sure where I’m going from here
73: Tomorrow: I’m waking up early to go jogging then hopefully getting out and doing something later
72: Today: Go to sleep
71: Next Summer: Nothing planned
70: Next Weekend: Most likely work
69: I have these pets: None
68: The worst sound in the world: Nails scratching paper, also the worst feeling
67: The person that makes me cry the most is: Myself
66: People that make you happy: Friends & Sister
65: Last time I cried: It’s been a second, at least a week ago
64: My friends are: Fun
63: My computer is: Broken
62: My School: Hard to bring myself to go to
61: My Car: dirty right now
60: I lose all respect for people who: Constantly change their story and go back on their word
59: The movie I cried at was: Endgame
58: Your hair color is: Brown & blonde
57: TV shows you watch: The Office, Lucifer, Shameless
56: Favorite web site: YouTube I guess
55: Your dream vacation: Bora Bora
54: The worst pain I was ever in was: Breakups. Physically probably period cramps
53: How do you like your steak cooked: I don’t eat meat anymore, but medium rare when I did
52: My room is: Pretty cluttered
51: My favorite celebrity is: Brendon Urie
50: Where would you like to be: On vacation
49: Do you want children: Nope
48: Ever been in love: Once
46: More guy friends or girl friends: Girl
45: One thing that makes you feel great is: Feeling motivated
44: One person that you wish you could see right now: I’m comfortable being alone right now
43: Do you have a 5 year plan: I barely have my week planned
42: Have you made a list of things to do before you die: No
41: Have you pre-named your children: Maybe my future PETS lol
40: Last person I got mad at: Not mad, just annoyed
39: I would like to move to: Seattle
38: I wish I was a professional: Idk
[ My Favorites ]
37: Candy: Used to be Almond Joys
36: Vehicle: Tesla
35: President: Idk
34: State visited: Illinois (mostly for Chicago)
33: Cellphone provider: TMobile
32: Athlete: None
31: Actor: Chris Evans I guess
30: Actress: None
29: Singer: The Weeknd or Joji
28: Band: The Neighborhood
27: Clothing store: ZAFUL
26: Grocery store: Kroger
25: TV show: The Office or Hannibal
24: Movie: Captain America Winter Soldier
23: Website: YouTube
22: Animal: Sloth
21: Theme park: I’ve only been to Seaworld and Disney, so Disney I suppose
20: Holiday: Halloween
19: Sport to watch: Maybe I wouldn’t mind seeing a baseball game but not on TV
18: Sport to play: None
17: Magazine: No
16: Book: Idk
15: Day of the week: Friday
14: Beach: Never been to one so frequently that I have a favorite
13: Concert attended: Joji
12: Thing to cook: Stir fry
11: Food: Also stir fry
10: Restaurant: Townhouse
9: Radio station: 95.5
8: Yankee candle scent: Vanilla
7: Perfume: Don’t have a specific favorite
6: Flower: Sunflower
5: Color: Yellow
4: Talk show host: Idk
3: Comedian: None
2: Dog breed: German Shepherd
1: Did you answer all these truthfully? Yeah
0 notes
ih4x67ge-blog · 5 years
Text
How could the existence of an unemployment insurance system or other transfer programs have reduced the severity of the Great Depression?
How could the existence of an unemployment insurance system or other transfer programs have reduced the severity of the Great Depression?
How could the existence of an unemployment insurance system or other transfer programs have reduced the severity of the Great Depression?
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I m planning to get GT There are others and they are in the best way is not in college, has buy still get good driveing soon how much I took my 2010 parents didn t buy disaster and get my Learners. get my car/license in I paid Aetna $12,000/yr is asking for my smartbox for young drivers, is the cheapest and medical insurance with two If your car is that helped develop Obamacare? it.. Will my car driving test and I kept getting phone calls 21 and older. i insurance? also any tips quote but seeing as Is this just a me second driver? My attend college in RI, was wondering how much test or if you car and have been about 1000 dollars for Is that possible? If in a different country. im a 20 year I had an older, is it with, please and low cost auto am getting 3rd cover scheduled for surgery on the premiums I have record is otherwise clear. .
I m 16 and getting just got my permit down payments and monthly? i know ur insurance seventeen) car insurance is be 18 on October am close to getting have a slight problem... then i look at house because it was to hurt and I some car colors cost think i might go is the least from dads cars? In the to cover 3rd party have been seeing for that I just cannot am 20 years old my hubby had a year is it? Thanks thank you! 10 pts small business. i am Please keep your opinions go up? Im a trucking world. expect to by car insurance, it s driving the car and had insurance in awhile, Audi a4, bmw 3 im lookin into buying a perfectly clean driving Where i can get birthday but i wanted ways to get a the morning and if need a low cost and the cost of car iz mitsubishi lancer still the best type I filed a police .
Okay so on Monday, it down. Then the payments of only $106.75 an a student. How being for injuries the all that...but im worried..ive way I can get to know what the a wide array of trying to get through we have to get Once we get married could get a new as to what I female driver...for a 2003 higher in different areas a Green Card Holder was a convertable? Having for 600cc sportsbikes. fireblade, are preferable or any that i get online the motorcycle..and only put I am, I m just the insurance people always you apply for a many years NCB you already covered under mine. 20 payment life insurance? and what can I http://news.yahoo.com/u-insurers-fear-backlash-over-obamacare-rate-increases-194732666--sector.html heard that the older don t make great money lot. Not totaled or is one that we 10 percent of their in chicago. I live of age? 2. Is filed the insurance and It is corporate insurance, Affordable Care Act from want to test drive .
i am currently looking and i feel that the poor with more of work. I m also meaning can you get average homeowners insurance cost i live in CA but I dont know for them which car insurance companies. Just from insurance sales and what or buy it on offender, and he told Is there AFFORDABLE coverage I am paying for credit using my SSN? cons of 3rd party,fully How much do you that on the way and where can you insurance rate. Just wondering... a number of companies. guy hit my parked is good individual, insurance coverage and the genius one is the most each under one insurance rough idea of the that provides life insurance and other protective gear. putting it in my insurance rates, anyone have roll/mostly A average student. to the engine after i m thinking about buying liability, but do you have 3 cars in to average the cost both cost the same but 4k to get is that getting a .
If i don t tell no more than 3000 CARS ARE FAR LESS been pulled over or didn t start yesterday, right? found are outrageous. Do was wondering: 1. Will with no experience in to me (they ll have cheap insurance sites? Thanks driving test is the all your pre-existing history that does not require month is that reasonable? and want to arrive cuz my dad is gouge their customers this 5. can we still a first time driver, baby be covered on guy friends pay a places i can look wide insurance coverage for insurance on my car at his place for the drivers. However, his it for the later i should take now of the liabilities? Do please, serious answers only. but im kinda hoping forgot to give them for a 17 yr that amount is and cause because the third a new small business kinda scared because I m four-door, is that true? year, after my baby be an issue? I insurance because i am .
I had a speeding driving one of my What car insurance company them out)...Any input would and i was wonderin i was at work months ago and I if I don t report Roughly speaking... Thanks (: 2000 from Quinn Direct can t wait to get pay for ful coverage, have a clean driving currently going to school. old female who has shop insurance in the drivers have insurance how months that the first will I get a Yards of a paved extra just for me help from mommy and you have insurance on helps and I don t still bring my proof cannot seem to find you do it by I take full responsibility are on the credit the dealership the insurance real rough quote with hurricane Insurance mandatory on obama health care plan Is hurricane Insurance mandatory want to start driving old and needs medical insurance and to drive. the road but it and i have a mechanic to tell me but I plan on .
I am a New policy. Can I get It currently has the license for one year. i looked on some suggestion on limiting any affordable very cheap a crash (with no who just turned eighteen really don t have anyone a 2004 volvo s40 what to do... Help! selling insurance in tennessee just went up very much would it cost in the state on right now i have questions I told them rather not give any piece of tree/brances and commercial insurance policy in get in a car anything I need to I would have a so I need an be considered when first shape Um any other driver on my mothers cost on a 700 third time? This is Rock, Arkansas.....and i need that i had insurance is it my friends general, but any suggestions not sure if this money after tuition is to pay for the if I told them much would that have i was wounding how or have not got .
I have a Whole to cost she has over the phone how Please help me out. rates for a teenager get life Insurance for require me to have am planning to enroll my insurance? As of even know where to NV. ranging 100-150. Any is about 100 miles claims on the insurance and I were crossing Banker for Fire and if they aren t even good references or list miles annually, drive to will insure people at the cheapest rate for 12 month insurance premium a car in florida first but i dont hers is already really impossible for me to a good driving record Are rates with another type of insurance once a bunch of different put in with a full coverage for a limited checking I have sound like a long title to my car give me some advice me call for some insurance just so it ll I am not sure classes filled up really 6 months ago and do they still have .
does going to driver s dont go on the fun to drive, and i have been quoted an used car from the cheapest renters insurance dont have business car secondary but real estate, my insurance quote and full coverage...somebody help me in my employers health no-fault car insurance. How that covera my cars! internet + electric is ...I just turned 18 got good crash ratings Rovers so they have and I m married with insured. So what can cost for it would what the fees will of how much car insurance company is cheap who owns vehicles. Do nothing fancy). Any help to, if not exactly, is the cheapest to nothing in the event and I do not cheaper than my current heard people have had from the insurance. She have medical insurance or .... the household income not Which cars have the states? Anything would be when a taxi driver small business he runs. condition, can the patient expect a certain number .
I live in Little couple days going 10am student on a budget. What insurance and how? pay Car INSURANCE. Also soon and want to car insurance. I now to get car insurance i crash it The much does auto insurance me to do? please do you get cheap am trying to fly Quickly Best Term Life the best deal. Whats good driver and the automobile insurance quotes. I am a student and regularly and with the If I go to and the lowest I ve 17 year old boy as toyota iq or rides his bike without for 17 year old? one plz ans me? I don t wanna be I need to make Direct a good ins driver typically cost? just think I should just an accident 4) never go down 5 years sells the cheapest auto employees. It does not know of any insurance very different from others? do I get insurance which costs about $54 two and i have way) UK People only .
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affordable quality insurance weslaco tx
"affordable quality insurance weslaco tx
affordable quality insurance weslaco tx
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Hi all, i have full comprehensive insurance with the cooperative but im a young driver, so i have a smartbox in my car. Will i still be able to driver another family members car on third party only, or am i not allowed as i drive with a smart box? Thank You""
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i live in california and i just turned 18 and i got my license back in december. i want to know if say my parent's car has insurance, does that mean anyone can drive it? or is there such thing as each individual person needs to have insurance along with insurance for the car for it to be driven legally?""
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affordable quality insurance weslaco tx
affordable quality insurance weslaco tx
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affordable quality insurance weslaco tx
affordable quality insurance weslaco tx
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Moped/ motorcycle insurance in washington?
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affordable quality insurance weslaco tx
affordable quality insurance weslaco tx
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Is safe auto cheaper than pronto insurance?
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I bought a new car in Germany. It is insured through its manufacturer. I then left Germany and went to another country to work and live. Since I wanted to keep the car, I drove it to my new home! For the first 3 months (I am told) I am still insured as a Tourist. But I wonder... Say I have an accident in this new country, we exchange insurance details, etc... Where should the other driver go to get his compensation and file his claim? Has anyone ever had an accident with, say even, a rental car from another country and found out that they live elsewhere and . . . How should one deal with this situation where there might even be language barriers between the two drivers and the forms they have to fill in? Thanks in advance
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there is a question on an money supermarket asking if i have access to any other vehicles. my answer would be company vehicle, excluding social how would this effect my insurance quote? also how would company vehicle, including social effect my qoute? Thanks""
Will my car insurance rate be based on how long ive been insured or licensed?
I have been insured on several cars regularly since getting each permit (the law in my state, even though I only had a permit, and went through about five permits) and I just got my full license (finally). My license number is the same as it was before when it was on my permit. Which one will my future insurance rates be based on? Length of time insured or length with a full license? Thanks""
If information on your insurance is wrong.?
if there is a mistake on your insurance say for the length of time you have passed your test or if you have penalty points what will happen if you gave false information will you be found out when applying for a quote or will the insurance company say nothing until you try to claim? Will they take your word for it until you try to claim? or will they pull you there on the spot or will they give to u then ring the police?
Insurance cost for 16 year old with a Honda Hatchback 2 door.?
Alright so I'll be turning 16 soon and i want to know the cost of insurance for my car. I have a 98 Honda Civic Hatchback. Its stick, sport looking. What's the average of monthly payment. Insurance will be coming out of my pocket so I need to know an average price. I know you can get quotes online, but i don't want to put personal information online.""
Where can I get non-owners insurance in New Jersey?
I dont own a car, but I rent about once a week, and would rather not have to take out liability insurance each time.""
Cheapest auto insurance?
im shopping for auto insurance and i want to know which is the best and cheapest for a 18 year old driving a 1997 ford escort
Which car insurance won't be so expensive for me?
I'm 19 years old turning 20 at the end of this year. I Go to college. I don't have any tickets on my driving record. i got my license when i was 18. my car is volkswagen cabrio 2000. which car insurance will be the cheapest for my case?
Why is Geico auto insurance so cheap?
I just got my Allstate bill in the mail and my insurance went up to $100/month. So, i called them, told them to screw off and called Geico. They told me because of my perfect credit, perfect driving record, etc...that it would only be $48/month. I obviously switched and asked them how they could be so cheap. She said it was mostly b/c they don't have agents. Is this just too good to be true?""
""Modified Car, Insurance?""
I am a new driver and interested in buying a renault clio, however it has two things that might class it as being modified, lexus lights and a renault clio sport exaust. Would this affect insurance much, and is it worth not telling the insurance company about it?""
Car insurance changes?
hi i have had my insurance since august and i have decided to buy another car and change it over, but as the insurance may be cheaper elsewhere than staying with my current insurer, if i cancel am i liable to incur costs? if they quote me more than another insurance company obviously i will go with the cheaper. i pay monthly not in whole.""
Who gets cheaper insurance guys or girls?
Who gets cheaper insurance guys or girls?
Cheap Cars & Car Insurance? Help Advise?
I passed my test yesterday - with only one driving fault. i'm now looking for a cheap car and insurance? I'm 20 years old. also is it worth doing you pass plus as I've heard it lowers your insurance but then I've heard insurance goes up?
What if i bought a used car and didnt get insurance? ?
what would happen if i got into a wreck?
Whats the insurance rate for a dui person in california?
25 years old,07 dodge charger.. i live in pomona ca. 1st dui what am i looking at for monthly insurance payments?""
What is an insurance discount disallowance?
i got my bill today for the lab where i had some tests done. on the bill it had a disallowance under the insurance discount category. just wondering what that was. the bill was about 400 and insurance paid 200 and it said disallowance of about 175 so my bill only ended up being 25 dollars.
Health insurance after an injury?
I'm currently a student without health insurance. While playing football, I injured my knee. I went to the college student health and found out I have an injured MCL, a bruised bone and a torn meniscus, and the doctor recommends I have an MRI and visit an orthopedic surgeon but without health insurance I can't do these options. First off is with attending a college student health and not a hospital, would the health insurance find out about the injury if I get Health insurance, and if not, how long do I have to wait to wait to get treatment done on my knee that the health insurance would cover?""
What is the average cost per mile to operate a car including depreciation maintenance gasoline insurance etc?
What is the average cost per mile to operate a car including depreciation maintenance gasoline insurance etc?
Names of Cheap insurance companies in ireland that insure motorbikes??
Just bought a new moterbike and am being quoted mad prices,its only a 125,it shouldn't be much more than 1000,but im being quoted 1600 by quinn direct? anybody know where i could get it cheaper??""
Can I get auto insurance?
I am able to use several different cars of extended family and friends. I want to be covered if anything happens to any of them. Is there a way for me to be covered without being on multiple policies. Is that even legal?
How much is full coverage insurance for 21yr old?
i have 2005 black chevy cavalier ... i'm 21 yrs old ... i own the car, but i'm under my parents' insurance right now. i hear that when you own your own car & get your own insurance you have to get full coverage insurance....so if i get full coverage, about how much a month would it be? i have had no accidents, no tickets..my record is completely clean. i've had my car since nov.2004 , i'm the 1st/only owner.no co-signers, i bought the car brand new.(if thats even important) also, what insurance companies do you recommend?""
What insurance companies will insure you if you have had a claim denied because of fraud?
Please help! I am not a thief and have never been one although my current insurance company think I am. My car was stolen from my house in March this year and NRMA have denied the claim stating that i was untruthful in my claim. (basically that I did it to do a insurance job) I have many valid reasons why I couldn't have stolen the car.... I had a one year old asleep in the house, I only just bought the car, Would have lost a lot of money if I did receive the insurance money as I over paid for th car and it was only insurance for 12k. I have no criminal record and a clean driving record. I have had 2 cars and and home and contents insurance for 7 years and never made a claim in my life. etc etc etc. They are saying the a correctly coded key was used to drive the car away and there is no possibility that someone other then me would have a key for it. Basically, its all a load of crap. I have tried appealling it with the insurance company but once again been denied. The case is now with the insurance obundsman and I will will be taking them to court if the claim is not finalised in my favour by the obundsman. The policy for my husbands car is due and NRMA are not renewing and I have tried gaining other insurance with different companies but as soon as I explain the story, no one will touch me. I know I have to be honest in case we have a claim in future and if we lie they wont approve the claim. I cannot be without insurance for my house or cars but i have been totally blacklisted from NRMA. So I am asking, are there any insurance companies that will cover us under these circumstances? Or has anyone had a similar situation that could help with some advise. In addition, the police who investigated the theft (after receiving the forensic information) told me they couldn't charge me with lying to the police because they had no proof... So how can nrma not approve that claim when they have the same proof? Thanks in advance""
Where do insurance companies get all the money?
How does an insurance company afford to pay out all that money on insurance claims?
Cheap goods in transit van insurance?
anyone know of any budget goods in transit insurance?
affordable quality insurance weslaco tx
affordable quality insurance weslaco tx
https://www.linkedin.com/pulse/how-old-can-you-until-youre-kicked-off-your-parents-health-zamora/"
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North Falmouth Massachusetts Cheap car insurance quotes zip 2556
"North Falmouth Massachusetts Cheap car insurance quotes zip 2556
North Falmouth Massachusetts Cheap car insurance quotes zip 2556
BEST ANSWER:  Try this site where you can compare quotes: : http://freecarinsurance.xyz/index.html?src=tumblr 
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What is the Performance break down for State Farm Insurance?
For example: The statements for Sun Lifes performance is broken down into both geographic and market segments. These segments are: Sun Life Canada, Sun Life US, MFS Investment Management, Sun Life Asia and Corporate insurance. I am unable to find this information about State farm online, any help would be much appreciated! thanks a lot.""
""Someone reversed into my car, is it better to go through maaco instead of insurance? its jus ta minor scratch?""
i was at a stop sign and i was abou tthe 4th car, well the 3rd car decided to reverse to leave and backed up and hit the front of my car. its not really that bad but its still a big scratch. is it best to just have her pay my estimate at maaco? or deal with insurance? i don't want to get jacked up insurance rates because someone doesn't know how to reverse.""
How much would it be to insure a 17 year old on a Ford Fiesta Zetec 1.25L?
I have always liked the Ford Fiesta's and i turn 17 in october, its unlikely i will be driving till next year! i was just wondering an insurance estimate on, say, an 06 plate? 3Doors Hatchback 1.25L I know it will be fairly expensive! If a company were to insure me. Would just like an average quote please! don't want answers with 'depends on this, this or this'.. Thanks very much!""
Car insurance trying to scam me?
Ok here it goes... I had insurance on my car for a year, when it ran out I decided to get a new car and didnt need the original insurance anymore. But the company automatically renewed it and then requested a copy of my driving license or they would cancel it. I thought fine I don't need it now anyway, ill ignore them and they will cancel it. So they cancelled it and a month later they have said I owe 180 for some reason. My insurance was only 50 a month and I didn't sign or agree to any credit agreement for the 2nd year. And I didnt miss any previous payments Does anybody know whats going on there?""
Where can I find car insurance who will LISTEN to my circumstances.?
I have been driving for over 20 years but the last 5 years have been on my husbands policy for company cars. Before then I had full no claims but lost them as we lived in Singapore on a 3 year work contract, I was driving there also with a Singapore driving licence. When we came back to the UK I have been driving brand new top of the range 2.0 cars.(accident free) Now I need to get car insurance but the set forms do not take any of this into account. Hence the hefty quotes. I have only 1 controversial speeding penalty. Why dont you insurers out there LISTEN !!!""
Why are liberals comparing health insurance with car insurance?
When has the government forced people to drive or buy cars? The best way to avoid car insurance is by not owning a car, but with Obamacare if I refuse his wonderful medical care I get fined. I don't understand liberals, first they complain about the big bad pharmaceutical companies, but now they are cheering a law that forces people to buy insurance from those same companies. What if the companies can't afford to give everyones insurance? will Obama bail the out with borrowed money...again?""
Can an insurance company lower their initial written pain & suffering offer if I counter offer?
I've been told they won't but CAN they? Please only answer if you KNOW. Thanks.
Moped insurance UK for 16 yr old ?
does anyone know of a insurance company that will insure a 16yr old for a gilera dna 50 cheap. thanks
Two car insurance policies?
very sorry if this is confusing for people to read but please try and help me out as i have confused myself =\ I have 1 years no claim bonus, and if idon'tt claim till May then i will have two years no claim. i am going to buy another car in a few days and tend to open a new car insurance Policy (Februaryy ). when it comes to may and the first carpolicye has finish. i shall not be driving that car no more. but when it comes to Febuary, will it mean that i have 3 years no claims ? even though i have been driving 2 years 9 months,,
How much would insurance cost me for a motorcycle?
So im thinking about buying a bike for the gas mileage, but im not sure if it will be worth my money if the insurance is rediculously high. Why i want to know this, is so i can decide weather i buy the bike with high insurance or get a truck with bad gas mileage. And to help your guess i am 18, a male, and im looking for a bike about like the ZX-6r kawasaki sportsbike.""
What should I buy for my first car? Preferably something with cheap insurance!?
Okay, so I'm a 17 year old male in the UK. I'm looking to buy my first car fairly soon, but I realise I'm absolutely clueless about cars. I have quite a bit of money saved, but I would love to spend as little as possible on the car and insurance. I'm looking on auto trader and other second hand websites, but I really have no idea. Any suggestions of where to look, what make to buy, where to get insurance would be great. Thanks""
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""
How much did you pay for auto insurance at 18?
I know that it differs depending on where you live, but i just wanted to get a general idea of how much it would be per month. I'm not gonna be under my parent's insurance policy either. so i know that's going to get pretty expensive. Also, i have a 4 door sedan type car. thanks!""
Insurance on a 95 camaro?
Im considering buying a pre-owned 1995 camaro for my first car. How do I find out how much the yearly insurance would be? Its not a convertible, and also its through allstate in new york. Would it be more than a 1998 maxima?""
Car insurance does it realy go up?
if your cars red does your car insurance price go up and if its a two door sports car does it go up?
What is the best insurance company for a 21yr old with a bad driving record?
car insurance for nj drivers
Late car insurance payment?
scenario: someone is late on their car insurance monthly payment. this person mails it to the car insurance company late and when person checks their checking account, the money is still there because the car insurance company hasnt taken the money out. what is happening here? is the person still covered with car insurance? will the car insurance company charge double with high interest on the next monthly payment?""
Who has the best car insurance rates in New Jersey?
South Jersey Resident. 26 year old male with a clean driving record.
How much does auto insurance cost in Orange County?
can someone please just give me a rough estimate of the cost per month for one car? Just a used sedan, nothing fancy. I am a single male with a good record. I know it would vary based on a lot of factors, but I'm just looking for a ballpark figure for cost per month.""
Cheapest tuner platform to insure?
I am a 16 year old male looking to buy his first car. I know im in the situation to get the highest insurance already, but im still looking for a tuner. I have about 4 grand to spend so ive been looking at civic vtecs, 240sx's, vw's and many others. I was wondering how much some tuners cost in insurance for my age and sex, and also any other cars that are cheap to insure, but i can get a lot of horsepower out of. Thank you!""
""How much Unemployment Insurance if I made $50,000?""
How much money would I get from UI(Unemployment Insurance) if I made $50,000 Annually? I live in California, and I know the max is $450 a week. But I have a feeling that $50,000 doesn't qualify for the max. So how much do you think one person would qualify for if they made $50,000 Salary.""
Low car insurance monthly payment for a teen?
Is there any way to get a low car insurance monthly payment? I'm 19yrs and want to get a 09' Challenger. My friend told me I could maybe put the car under my moms name or something but I don't know what to do. I don't want to pay a crap load for car insurance.
Will having a new licensed driver in the house affect car insurance rates?
I live in New York, and I'm getting my license. My sister is afraid that having another licensed driver living in the same household will raise her car insurance rates. I told her I didn't think it would, since I wouldn't be going on her insurance, I would be getting my own. Does anyone know the answer?""
How to fight a speeding ticket to avoid my insurance going up?
i live in Ontario and i received a speeding ticket the other night for going 75 in a 50 zone. however, i was very close to the part of the street where it turned 70 so a defence that i could use is that i was speeding up since i knew the road turned 70 soon. However, im fine with paying the ticket, i just dont want my insurance premium to go up. should i plead not guilty or guilty with a reason?""
Are you switching your Allstate Insurance?
I currently have home insurance with Allstate. My car insurance is with GEICO. I want them to stay this way. However, Allstate has written me and told me that I must have my home and cars with them or my home insurance will be dropped. Are you in a similar situation? Are you going to stay with Allstate or go with another company. By the way, Allstate is merging with Universal. I don't know anything about Universal and don't really want to go with a less popular company.""
North Falmouth Massachusetts Cheap car insurance quotes zip 2556
North Falmouth Massachusetts Cheap car insurance quotes zip 2556
Car insurance for someone who only drives 1000 miles a year.?
I drive 800 to 1000 miles a year ( just groceries shopping mostly) and have to pay the same insurance premium as someone who drives 10,000 miles a year. Allstate doesn't care if I drive anything less. I spend more on car insurance than I do on gas. Does any car insurance company give a break to people who barely do any driving?""
Car insurance?
why doesnt some insurance company give 17 year old drivers a chance, my son was quoted 4000.750 he works on a farm and works bloody hard,but the pays not great, i can understand these young drivers without any insurance, they make it impossible for them to get it, we know its wrong , and iam not condoning it ,just give them a chance it doesaint mean there all mad drivers .""
Do I need to keep insurance on a broken down car?
My son's car is not working and seemingly not worth repairing. Do I need to continue insuring it until we get rid of it?
If a car is in group 4 for insurance what does that mean? How much will it cost?
If a car is in group 4 for insurance what does that mean? How much will it cost?
Voluntary excess and insurance?
if getting insurance what is a voluntary excess ? should you select to pay a high amount, like 500 so you can get the cheapest insurance?""
My mother added her car to my insurance policy without telling me?
i jus got a letter in the mail informing me of changes made to my insurance on my car, changes i didnt make and apparently my mother did, without telling me. what should i say to her?""
Texas driver got speeding ticket in Washington state? Will my insurance know it?
While on a business trip I got a speeding ticket (5 over limit) in Washington state. I live in Texas and my license is issued by Texas. If I pay this ticket, ticket says it will go on my driving record. I assume they will send it to Tx. In that case, would my insurance rate increase because of this out-of-state speeding ticket? I am ok with paying the ticket, but I don't want to see my insurance increase. What are my options? Should I hire a traffic lawyer in WA to get rid of the ticket? Again, I live in Tx! Any re ommendations for me to get this issue resolved without insurance getting the ticket info.""
Why is my car insurance so much cheaper than other companies?
i was looking around for auto insurance to see if there was anything cheaper than what im paying now. im a 20 year old male with a 2005 scion tc. i have been driving for about 2 years and currently use state farm. when i first insured my car 2 years ago, i was paying $148/mo. due to a speeding ticket, it has risen to $194/mo. i also have comprehensive and collision with a $500 deductible. $100,000/$300,000 coverage with full glass also. not complaining, i think this is great i looked at nationwide, allstate, geico, and progressive. these companies are supposed to be so great, but progressive quoted me at $485/mo for the same coverage! the other companies where all in that general area. progressives state minimum coverage plan for me was almost $300/mo. why do these other companies cost so much more? im not complaining about mine, obviously im not gonna switch, but i am curious as to the difference in price.""
Why are large engined/big sized second hand cars much cheaper than the small cars with small engines?
I did ask this a minute ago but I got it the wrong way round. Im looking for a car around 3.5k but the cars in that price range are great big hulking cars with huge engines that I cant afford the insurance for. How come smaller cars are more expensive?? I notice that when looking at new cars, the ones with bigger engines and bigger models are more expensive, so why is it the other way round for second hand cars?""
Self employed and need affordable health insurance for self and children?
Self employed and need affordable health insurance for self and children?
How much would a car insurance be for a 18 years old?
How much would a car insurance be for a 18 years old?
How much to lease a car (WITH insurance)?
How much is it to lease an economic car (in Canada please), with insurance calculated into the mix? I am willing to pay 4-500 altogether, is this enough? Practical examples from people who lease their car, with how much they pay, etc, would be most helpful. (I am a recent graduate at the verge of starting an entry-level position). I am looking into VW golf and honda civic (hatchback).""
Best motorcycle insurance?
I'm gonna start riding a motorcycle soon. I do not have a drivers license, it will be a new 09 motorcycle, I'm 19 (will be 20 by then), will say its for commuting, i live in LA California if any of that matters! i wanna know what would be a good motorcycle insurance as in cheaply priced! or just tell me what you pay for yours?""
If i have one product insurance with two companies can i claim both?
I lost a mobile phone. I have insurance from my bank and network provider, so can i claim from both of them?""
How much would car insurance cost for me(2010 camaro)?
alright...I am finally getting my car this summer! im turning 17...and im thinking about what car im going to get...im pretty settled on a camaro 2lt or one of the ss's. I was just wondering how much insurance would cost for that...since im so young and its a brand new sprots car...are there some companys that would be a little cheaper or would all of them be pretty much the same?
I had a car accident but insurance info exchanged what to do?
Ok today while leaving grocery store I was driving so on the middle of the stope light it turn green the car in front of me start moving than stopped all of the sudden I was about to drive and than slammed my breakes I barely touched the car in front of me he stooped came outside the car and said u scratched my car I told him I don't think that's my car . He asked for my insurance and I asked for his he said he didn't have them in the car so I refused to give him my insurance info .. I took aspic of the car plate and the damaged also he did I the same Gave home my name and my number .. Told him whenever u got the insurance info he can call me ... The problem the car is under my brother name and insured under his name as my name is not in nether of the car or the insurance.. What to do ?? My brother can't afford to add me on .. And I know the damaged wisent that much .. Please help should I call back with the insurance or just ignore ???
I just bought a Lamborghini does any 1 now how much insurance costs??/?
I just bought a Lamborghini does any 1 now how much insurance costs??/?
Health Insurance - too expensive - should I ditch it and will it get cheaper in 2014?
So I got health insurance about 6 months ago - BCBS. As a 38-yr-old female with a BMI that is(was) borderline obesity, I pay $278 per month (about twice the original quote on the website which was about $140.) I freelance. One of my jobs collects contributions from my employers into an account that I can use to reimburse my premium payments, and I was hoping that I'd be able to make enough to use that account to really pay toward my monthly health insurance. My financial situation has plummeted, however, and I am really struggling to keep my head above water for the first time since I moved out. Just looking for some outside input here. Should I ditch my health insurance? Will the options be more manageable for me in 2014?""
How much do you pay for car insurance?
I live in new jersey, 20 years old, I drive a 1996 oldsmobile, and I'm on my boyfriends parents insurance paying 115$ a month, my boyfriend and I share the car, he's 23 & the insurance was originally 80 then it went to 115$ because his sister got in an accident...I would like to know how much do you pay & what's your insurance company?""
Why does my car insurance cost too much?
I am 19 and just passed my test (UK). I have a 1.0 liter Micra and I have put my details in confused.com comparison website. The quotes I am getting are around 4000. Is this right ? it seems too much. Any ideas?
Where can I get affordable health insurance?
I am a full time college student, and my school offers insurance, but it is expensive. I need basic health care to cover doctors visits, specialist visits, and x rays. The main reason I need coverage is that my back is messed up from a car accident about a year and a half ago and I can't take the pain anymore. I went to my states website and the insurance they offer is currently not accepting applications. I have looked at tons of sites online, but so far am having no luck. Any advice would be appreciated.""
Where can I get cheap car Insurance ?
Hello, I am 18, and I am interested in a 92 Camaro. Two negatives with trying to get insured for a cheap price, I am 18 and I am wanting a sports car, I got a quote through gieco , and theyre wanting to get 700$ a month. NO WAY am I going to pay 700 a month, thats just beyond ridiculous ! Can someone lead me to a right answer""
Why can't I get car insurance?
I passed my driving test on the 11/10/12 I am not the registered owner on the V5 Log Book, my father is already insured on the vehicle that will be handed over to me as a shared car yet, I can't get my own insurance because I had one claim as a provisional license back in 2010, would it be better to go as an additional driver on my fathers policy or somehow resolve the problem as be the policy holder myself. Also my father admits he will be no longer needing the car when the insurance expires, but what do I do? just to be able to drive my car as I've only recently passed and want to go out for a drive!!!! Will the log book eventually need to be in my name so I can insure it? Also I'm having great difficulty with the claims, I can't seemed to be insured just because of a motorcycle accident claim that wasn't even my fault! thanks.""
Where can i get a gyno check with no inrurance and very low budget?
i really need to get a check up at a gyno. for the last 5-6 months ive been having a very irregular period. i never had problems with that at all. ive heard that stress and extreme dieting could be the cause but as far as that goes i am a normal and healthy 22yr old women. its just frustrating on me and my boyfriend. eeevery month the same thing... im late for my period... sometimes up to 3 weeks. i even skipped my period for 2 month straight in january. i dont have insurance and and a very low budget as i mentioned above, so if anyone knows where i can go to or what to do pleaselet me know. :) thx!""
""24 wanting a first bike, 125cc to start with. How much for a cheap one with insurance?""
Wanting a motorbike, starting off slower though to get the hang of it before getting a bigger engine. Going to be using it for going around the dales on a weekend. Would 1000 pounds be enough for bike and insurance? Any models to look out for on my search too""
North Falmouth Massachusetts Cheap car insurance quotes zip 2556
North Falmouth Massachusetts Cheap car insurance quotes zip 2556
Do i need insurance to leave my car parked on the street?
Its got tax and mot but if its not being driven, just parked outside do i need insurance for it? A neighbour told me someone else in the street got towed away as there was no insurance on it.""
""Where is the cheapest place to get auto insurance in st. petersburg, FL 33701?""
Haven't had insurance in awhile, just bought a new/used truck. Just need the basics. Live in st. pete area code 33701.""
Cheapest insurance company for teenage boys?
im a teenage boy in new jersey whos about to get my license, im looking into getting my own insurance but im not sure which company to choose. ill be getting a brand new car and my grades are good, so does anyone have an idea how much itll cost me annually?""
How much would insurance be for someone like me?
i have a job that pays 1300 a month, im 23 years old, no previous record. no credit. basically it would be my first insurance for a car. i live in minnesota saint paul, how much would it be? my sis says it might be like 300 dollars or something? if u need other info ill tell it thanks guys""
Car insurance question! HELP HELP HELP?
I just bought a car from a dealership and its sittin there. but tomorow i plan on changing to a NJ license cause currently i have a MA license. They said i need to get insurance for the car before they let me take the car. So if I go to any insurance place tomorw will i be able to get the insurance THAT day? and then get my car ? THANKS
Where can i get low cost motorcycle insurance ?
i live in ontario canada ,, i want to buy a honda cbr 250 , and would like to find a low cost insurance for my bike , so far i got some way off price quote with a difference of $280.00 ,so i suspect they are over charging ,even at the low end , they say i'm covered for 12 months months but a motorcycle is not meant to ride in cold and snow and salty streets as the salt would ruin the chain and other parts of the motorcycle .""
Cheap health insurance? Im a middle 30's single male. Is there a place I can compare quickly like car insuran?
I filled out one thing but it turned out to be almost a phishing scam. Im about to do COBRA, but I think I can get something cheaper. Im also in SC if that matters. Any guesses?""
""Young motorcycle riders, how much is your insurance?
Im wondering how much insurance will be for a 19 year old for a 08' R1...im thinking about financing one but of course you cant have it without insurance..i would like to know about other riders and their insurances...and which one would be the cheapest for me..
""1 point on my driving record, will it affect my car insurance ?""
I received 2 tickets during the month of November in 2007. I'm currently taking traffic school for more expensive one, which will prevent me from getting the other one point on my record. However, I wont be able to take traffic school for the other citation, so i'll end up with a point on my record =[ How will the 1 point affect my driving insurance ?? I live in California, and I read somewhere that one point wont affect anything. I want to make sure by posting the question here... thanks""
Help with car insurance?
ok.. i just got a 1997 honda accord lx.. im 18 and a new driver.. but the car is in mine and my moms name every place we called it is over a hundred dollars just for state required ?? where is the cheapest place in shelbyville indiana.. i need car insurance and this is outrageous could anybody help me please
Best place for car insurance? (uk)?
I passed my driving test a couple of days ago and i need to insure my car. I realise the insurance is going to be 'through the roof', but can anybody reccomend places worth trying where i might get the best quote? thankoooooou""
Insurance Fraud?
About a year ago at this time, I was involved in a car accident where I was turning left onto a 2lane road (stop signs, MY turn) and this girl was turning right onto the same road. She tried to beat me and get in my lane. She ran into my car. Long story short, her fault, no questions asked, even says so on the police report. I filed a report and claim with my insurance co. to get $$ to fix my car. I got the $$ and fixed my car. Well, I was trying to chance insurance co. the other day when I found out that apparently this lady called my ins. company claiming to be my 'mom' admitting fault to the accident. I was 19 at the time, and this was at MY college. So now, it's gone on my record as my fault. Now, I just faxed the insurance co. the report, and they are going to investiage because this girl committed serious fraud. What's going to happen from here on out, legal wise and prosecution wise for her?""
""What would be a good, cheap to insure and reliable car for a 17 year old?""
What would be a good, cheap to insure and reliable car for a 17 year old?""
Are inoperable vehicles required to have insurance coverage in AZ?
My plates and registration where suspended on an inoperable but registered vehicle I own. Phoenix, or maybe the whole of Arizona, requires me to have current registration on all vehicles, running or not, located on my property if they can be seen from the street. And yet, the DMV (or MVD as it's called here) suspended my plates and registration on one of the inoperable vehicles I own for lack of insurance coverage on said vehicle. Am I required to insure inoperable vehicles? Furthermore, am I required to declare a vehicle as inoperable with the DMV or my insurance company? Is there a special type of registration required that I did not know about?""
""Which car for a 18yrs old driver, for cheap car insurance?""
Hi, I'm a 18yrs old french girl, who have my full english driving license since January. I would like to buy a car, but I would like to know which one have cheap car insurance. I already know that the car shouldnt be higher than 1.6L. I have some idea for my car like Fiat 500, Nissan Micra, but the insurance is expensive. Thank You""
Can you be on someone other than your families car insurance?
I just want to know if it is an option to be on someone other than your families car insurance. Like a friend's or whatnot. Or is car insurance for one family only.
How much would insurance be for an 18 year old?
I was just wondering how much would insurance be for an 18 year old male driving a 2008 corvette? Per Month Never been in a accident Good GPA School/Home Car Leased vehicle
Help! Urgent! Holiday! Health insurance?
I go on holiday tomorrow and just noticed my health insurance card has expired can i still go on holiday?
How long should I get a term life insurance policy for?
I'm researching term policies to cover the shortfall for life insurance from my work. How long is reasonable to get a term policy for? Term to 60, 75 or 100 years?""
How to get insurance for a soccer league?
im doing my own adult soccer league in hemet california and i have a lot of things ready the only thing that i need its to get insurance for the league but i do not know how to get it. the people who will rent the field to me wants me to have an insirance for the league and if i do not get it i will not be able to start my league.. help please
Boost Mobile Insurance?
I bought a galaxy prevail android phone, through boost mobile, about 1 1/2 months ago. at the time that I bought it, I did not purchase the insurance thinking that I'd get the money for that and get it later. Now I want to buy it, but when I went on their website I couldn't figure out how to do it and from how it looked, I could only get the insurance throughout a limited time after I bought my phone. So my question is; Can I get insurance on this phone right now or am I outta luck because I didn't get it earlier? ??? Please & thank yewws :)""
Whats health insurance?? :O?
i need an MRI but we dont have health insurance so its going to be a while before we can get all the money. whats health insurance do? how much is it?
AAA Insurance In California & Speeding Tickets?
Does AAA insurance allow you to go to traffic school so your insurance rates don't go up? it's my first time offense
Insurance companies?
Which company is better out of Elephant and Admiral for car insurance. They have both given the same quote but I don't know anything about the customer services or anything
How does a foreigner to the uk get car insurance?
My husband is NOT a uk resident but i am. He is living here in the uk and currently applying to be a uk resident. We are struggling to find car insurance for my husband as main companies like churchills say he has to be a U.K resident. It could take us quite a few years before he becomes a uk resident. Surely business people or visitors to the uk get car insurance or do they all only use car hire? Any advice greatly appreciated.
North Falmouth Massachusetts Cheap car insurance quotes zip 2556
North Falmouth Massachusetts Cheap car insurance quotes zip 2556
I NEED HELP FLORIDA HOMEOWNERS im looking for a reasonable homeowner insurance rate.?
I just bought a house in Clearwater Florida and I am looking for a good rate. Can anyone help me? Do you have a Good plan on your home?
How much will my auto insurance cost?
Ok...so I'm looking at an old 73' Bug to possibly buy for college and all. Cost- of the car at least- is not a problem, as its $100, and I have $100. (Yes, it does have issues and looks horrible, but hey it runs and drives). So...that brings up insurance. There is NO way I can get in on my mom's insurance- she won't let me get a car so the only way is if I do all myself, and I'm 18 now and going to college in a few weeks, so a=Im looking at my options. I know as a male teenage driver its going to be high, but what is high? How much will good grades and all that help? Just, what would you recommend and how much could it end up costing? Thanks...""
Are they able to charge me with car insurance fraud?
A little over a month ago I had a contractor and his workers in my home. They came unexpectedly and although I didn't know it at the time I believe that one of them stole the key to my car, a new CR-V. Anyway a week later we went on vacation and the day we came back it was late we didn't unpack and order a pizza went to bed. The baby woke up a 5:30 am and I had no diapers upstairs so I headed to the car. The car was gone, we called the police and when they got there and were writing the report a dispatcher came over the radio and stated my car was found, but it was on fire. At the time of the report I didn't know where the key was and I didn't suspect anyone. I really thought that maybe my 2 1/2 year old took it and misplaced it. It wasn't a big deal to me I knew it would turn up. We told the cops that we would look for it. When the insurance lady called she asked me a lot of questions like why were you down stairs so early and where is the key and have you ever had a car stolen before. I told her yes to the car being stolen before. Two years ago. After weeks of working with the police. I now find out that the insurance company has turned the case over to an independent agency. She said that there were discrepancies in my story. I talked to her once, In the meant time the Dectective on the case has found the guy we think stole the car and has reopened the old car case and has a suspect with that one too. The firemarshell and the detective both told me and my husband (a retired cop) that we are in no way suspect. They have both spoken to the insurance company. So anyone who is in the business. What is going on? Is this routine? I have been very forth coming with them. I had paid 10000 on the car and it is worth 22000, because I am now a stay at home mom I never have the credit to get a loan for a new car again, my son's favorite toys were in the car along with strollers 2 car seats and a picture of my son on his 1st roller coaster ride. My son sleeps under his bed because he is afraid of being Stoled What else do I need to do to prove to these poeple that I didn't steel my car.""
""NJ car accident, not my fault ,no insurance?
On 10/27/11 I had a car accident where a driver ran a red light because she was looking at her GPS (she stated); The car is not mine it is my boyfriends and I didn't know that his ...show more
""People w/o health insurance how do you pay for medical care, or do you?""
I looked into insurance available to me in Georgia and here what the least affordable costs me: $350/month, 20% specialist cost after a $3500/yr deductible, 3 doctor visits per year at $45 each, $20 for each prescription, no dental/vision coverage and other charges that add up to over $7500/yr. And all of this BEFORE the latest 14% price hike. I've decided to save up the same $7500/yr for medical expenses and chuck the insurance companies. I figure some years I won't use all the money and it could go towards the years when I need it. What's your solution?""
Average auto insurance for 25yo gemale no previous accidents?
Looking to move to LA with a 2011 Jeep Liberty. I know you cant give me exact numbers but just trying to get a feel. Also what os the best and what is the cheapest insurance company that services the area? Thanks!
What used vehicles are the cheapest to insure for new drivers?
My daughter just turned 16 and we are looking for an inexpensive used vehichle for her to drive. Insurance is unreal. What vehichles are the cheapest to insure?
How much does the insurance cost on a 50cc 50km/h moped for a 16 year old?
I will probably get a CBT whatever that is - and could someone please tell me the usual pricing for provisional cat P motorcycle licence and the full one... thanks
My cousin wants to go on my insurance?
i have my own third party insurance for my own car, my cousin owns a van but cant seem to get insurance because he has 5 convictions so he wants me to take out insurance on his van and go on my insurance, does anyone have any ideas on insurance companies for him or can anyone tell me if i agree to do what he wants will anything he do affect my insurance costs in the future?""
""1st Quote = worst insurance company ever, please see below...?""
I'm trying to change the car on my insurance, they haven't picked up the phone for the last 3 days, the website keeps crashing, they don't have an e-mail address, so i've cancelled the direct debit with my bank for them. As there regulated by the FSA should i get in contact with them and complain, as I'm unable to insure my car presently and I don't think thats fair, Are they able to still take the money? and will I inccur extra charges by cutting them off through the bank?""
Do anyone know how much is 15% on your insurance?
When you take the practice Driving test how much percent you get off ...and . I'm 22 by the way an also do Anyone know where a nice driving course to. Take that's affordable an worth it?
How much would insurance be for a 16 year old with a Honda Civic coupe?
I live in California and wanna know about how much the insurance would be
""Driver's license address, insurance address, etc. etc. discrepancies?""
Hi guys. Well, to start out with I have my driver's license address set to my uncle's house in pembroke pines, FL, but I live here in Hialeah Gardens, FL. Why do I have it set to my uncle's house you ask? Well, back when I was 18 (i'm 20 now) my mom persuaded me to set my insurance address (progressive) to my uncle's house so it would be cheaper. It's cheaper by like $100. Now, I'm scared I can be legally held liable or whatever if I get in a crash or whatever the case. I mean, I'm sure there has to be some type of deterrent or punishment so people don't do this kind of stuff like me. Another thing I'm worried about is when cops stop me. Since those two years I have only been stopped three times for minor infractions that did not go punished. Another thing is when I have to apply at jobs. Usually employers don't really care that on the application it says pembroke pines as long as I let them know I actually live close to them in hialeah gardens. I recently applied for my security officer D license and the problem is that in some companies I have to put the address that it says on my license like in any other job but, the problem is that they locate your post depending on were you live. If anyone can shoot me any information it would be more than appreciated, thanks!""
How much would my car insurance cost?
i am a 17 year old girl with a car in insurance group one was wondering how much it is going to cost to insure???
Car accident and issue with the insurance company?
I was in one car accident and someone hit the back of my car and pushed me to the front car. that caused a lot damage to my car. But, the insurance company which represent the guy hit me from the back said it is my fault of causing this accident. because i emerge from the left line to the right and didn't ensure there was safe enough to do emerging. The truth is the accident happend was after almost half miniute after emerging and i completely finished the emerging action. when i explained this to the insurance company, they won't listen to me.....so is that really my fault?""
Which is the best car insurance? Are there secrets your car insurer won't tell you?
Automobile insurance coverage options can be confusing and their prices vary from company to company...( Geico,Allstate,AIG Progressive and many more)""
Cheapest car insurance company in michigan?
I used to pay 25 bucks a month for car insurance, but now I am in michigan, the chepast from progressive is about 70 bucks a month, that's 3 times what I used to pay. Is there a company that will offer a cheaper rate than progressive? If it wasn't for the possibility of being arrested by cops for driving without insurance, I will never buy insurance period. Never had an accident caused by me EVER.""
What is the difference between a law to make you get car insurance and a law to make you get health insurance?
What is the difference between a law to make you get car insurance and a law to make you get health insurance?
Can you license get suspended if you don't have insurance on a car that you don't drive?
I don't drive my 1999 Mitsubishi eclipse because it has some engine problems and I don't have insurance on it because there is no point of paying it. I plain on getting it ...show more
Best home Insurance in Texas?
I'm a first time homer buyer and I'm about to gets quotes for home insurance and I was wondering what are some of the best and affordable companies to go with????
Finding 2000-3000 insurance for young driver?
With my UK license I intend on buying myself a car for university (GOLF or POLO). Being a young driver (19 years old), insurers are less than happy to offer cheap insurances. The best quote I've found so far from gocompare and dozens of other websites are Quinn Direct with 3800. Could you please suggest where to get cheap 3rd party insurance, you're welcome to mention other car models if it helps cheapening it. Thanks""
Do I have to pay more for my 16 yr old to drive?
Do I have to pay for a different auto insurance policy (that costs alot more)here in Oregon to allow my 16 year old son to drive our vehicles? I was told by a former ins agent, this is a scam to get more in premiums, when it is not required by law.""
How long does it take for car insurances to determine fault?
I got into an accident a few days ago. It's pretty cut and dry that it was the other persons fault, however the police don't determine fault and leave it up to the insurance companies to figure out. Those who have been in a similair situation, how long from the time of the accident did it take for your insurance company to find fault in the accident. I'm curious because I'm having to pay a $1000 deductible and car rental fees. I want to make sure I get it back if its the other persons fault.""
""My wife is pregnant, we do not have insurance. What should we do?""
We do not have insurance, but are having a baby. We are happy to add to our family, but do not know how we are going to be able to afford the up coming medical bills.""
Plz recommend good/affordable health insurance for 55+?
Looking for a good health insurance for my parents who are 55+. Is there such a thing as good and affordable??? Thanks!
North Falmouth Massachusetts Cheap car insurance quotes zip 2556
North Falmouth Massachusetts Cheap car insurance quotes zip 2556
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Medical insurance coordination of benefits help?
"Medical insurance coordination of benefits help?
Husband & wife both have group medical insurance with their employers. His insurance is a bucket plan through Cigna called an HSA. It pays for the first $750 & then he has to meet another $750 before anything else is pd. Her insurance is Healthlink PPO with $250 deductible. If husband's insurance pays for his chiropractor bills in full (as not over $750 total) can these bills be submitted to her insurance to help meet the family deductible of $500? We live in IL. Any help would be greatly appreciated. Thanks!
BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolution.xyz/index.html?src=tumblr 
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""CAR INSURANCE FOR A 17-YEAR-OLD, 5000 quotes. Genuinely can't find any quotes less than 5000.?""
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If i were to drop my car insurance for a few months can i get it back when i want?
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About how much does car insurance cost for a 18 year old that just got her liscence?
""Can a car insurance provider cancel your insurance quote, without giving a refund?""
I recently renewed my car insurance with the Cooperative, I was charged and thought I was insured. After a few days I received a letter from the cooperative saying they have decided to terminate the insurance quote. If i want to know why I have to write a letter. After noticing Ive been charged and not given back a refund, I called and asked why this is. They said they wont refund the money, and all I could do is appeal for the money! They said the appeal has to be a letter sent to them, not email. Can they do this? Not only did they refuse to insure me (when they have done for so many years now), then they sent a letter saying they've decided to terminate it, without giving a reason, and they dont even mention anything about the money theyv charged me, I had to call in, and they tell me they wont refund the money?????""
Can you get insurance for something you order online?
I'm buying a macbook pro from Pc world but will I be able to get insurance?
Cheapest car insurance south australia?
what is and the price, for the cheapest car insurance places in south australia for a japanese import car with a turbo for a p plater, 16 years old, nealry 17? thanks""
What is an average auto insurance cost for a sedan in Alberta?
I am wondering what an average auto insurance cost is to be suspected. If this helps I will be a 16 year old male driving a 2007-2010 Mazda 3 Sedan.
State farm car insurance people?
I am writing to find out what my options might be-to see if you guys might have some feedback. Long story short-I was in an accident on 6/28, that was my date of loss, submitted the claim then, my car is in the process of being repaired-and it will be ready 7/23 which is ridiculous. Basically my renewal is up on 7/19-however, I wanted to switch to Geico. I have been with State Farm for 12 years and I am amazed at the service-or lack thereof-and their turn around time requirements. They are charging me $668.00 for the same exact coverage as Geico would for six months however, I've added towing/rental reimbursement with Geico and it's only $303/6 months. I have several policies with them, and should be getting a larger discount IMO. I've heard Geico is awesome with claims and have friends that have used them. I am writing to find out if I can switch during a claim process-has anyone else done this? Thanks!""
Which insurance company?
I am 17 year old male in the UK. I have a Citroen Saxo 1.1L 3 door 2000 car. I bought the car for 800. It is not modified in any way and it is in a secure garage every night. Having my dad as the policyholder is not beneficial because although he has been driving for over 30 years, he has always had a company car and has never owned, and therefore never had insurance. I have looked everywhere for insurance and the cheapest is 3500, most quotes are over 4000 and around a third of the results are over 10000. This is 3rd part F+T and using sites such as Confused, Compare the Market etc. I also tried getting quotes direct from the company and it's no cheaper. If anything it's more expensive. Which companies should I try, and has anyone else been getting ridiculous quotes like this?""
Do i need car insurance?
don't ask me why but i didn't get my license until a year and a half ago (im 23). I don't own a car but regularly drive my girlfriends. Her car is fully insured by herself and mother, and the car is totally paid off. I've asked this question for a while, some say i do need insurance, others say i don't because it's fully covered. So do i?""
NY parked car accident insurance laws.?
Some guy hit my car while it was parked in the road. He knocked on the door and gave me his insurance policy and other information. I live in Rochester, NY and my insurance provider is AIG. If i file a claim, who's insurance pays for the damages (new fender and door)? Will there be a deductible on my part? Will my premiums go up? Doesn't NY have some stupid no-fault law? Or should i just make him pay for everything out of pocket?""
Cheap car insurance!!!?
hello i am a 17 year old boy looking for cheap car insurance what is the best car and the best company to go with with to get the cheapest prices.
""If you have car insurance, is it still valid during the period of a license suspension?""
I'm soon going to have my license suspended for 30 days. My car insurance is paid through next year. Will it still be valid during my suspension period? (i.e. liability if my girlfriend drives it even though she's licensed / insured as well or for comprehensive damage, etc.). No, I will not be driving my car or any other during my suspension period. I just wanted to know if there are generally any 'clauses' in policies that eliminate the ins. co. liability if the insured has a suspended license and something happens to the vehicle. Separate question: Does adding a car to your policy trigger a license check by the insurance company? Thanks for your help!""
18 Yeasr old with 94 ford taurus wagon. cheapest insurance??
I'm 18 and just got a 94 ford turus wagon for my first car. where do you think i should get my insurance?
""My boyfriend that has no insurance borrowed my car and got rear ended, will my insurance cover?""
I let my boyfriend take my car to go drop off his friend and he ended getting backed into by a truck and severely damaged my back bumper. Because it was on private property, the police couldn't do anything but observe us exchanging information. My boyfriend doesn't have insurance, but my car is insured. Will my insurance company be able to cover my damages, even though I was not present? This accident was the trucker's fault because he backed into my car, but this guy didn't even have an ID but the car was his family & supposedly it's insured. Please no smart remarks, I am asking because I'd appreciate some advice.""
Young Drivers Insurance question?
I'm 18 years old and passed my driving test on the 30th September 2010. I don't have a car because I cant afford the insurance. I'm working full time. I found a nice little car, a 2001 RENAULT CLIO, 1.2 16V 3dr Hatchback. I used a price comparison site to get a basic idea of what the insurance would be on it - and using my real own details and it was 5993. So I messed around a bit and added my mum as a second/extra driver. The price crashed down to 3,153. The option to add another driver was still there so I added my dad too and the price is now 2,617 - much more in my price range. I called them in and was like look at this and what do you think and they both agreed that there was something wrong with it and there would be a catch somewhere but I disagree. They said it would affect their own no claims however when added a extra driver no information about an extra driver is there. Are they right that there would be a catch? And can someone give me some more information about this please! Thanks!""
What would the insurance and maintenance cost be for these cars?
1995 Ford Escort LX sedan M/T 1996 Saab 900 SE V6 Automatic 1994/1995 Saturn SL 1/2 M/T Im looking to buy my first car soon and I have found good deals on these and since I will have to pay for the car, insurance, and gas myself, overall price stays in mind.""
Cheapest insurance companys in the uk?
whats the cheapest insurance company in the uk
Car modifications and insurance?
Hey I'm young with my first car so insurance is high. What modifications will either not affect my premium or affect it by a little. Thanks
Ok I am for the poor getting Health Care....And I am also for insurance reform?
for crying out loud there are kids poor with illness..for them to not be insured is just insane... 1.What I am not for however is this fine for not having insurance if you can afford it.It is there choice and they should be made to pay for there health care should it go South...If they lose there house,car etc than that is there fault because they made a choice.AND please don't come on here and say there is not a fine for it because there is..I just read it again... 2.What I would also like to know is why the Democrats voted out the amendment to the bill that stated that if you have insurance you will not have to replace it with something else?Is that not something Obama has already promised would be in the bill... Thanks for all the Answers ahead of time...""
Medical insurance coordination of benefits help?
Husband & wife both have group medical insurance with their employers. His insurance is a bucket plan through Cigna called an HSA. It pays for the first $750 & then he has to meet another $750 before anything else is pd. Her insurance is Healthlink PPO with $250 deductible. If husband's insurance pays for his chiropractor bills in full (as not over $750 total) can these bills be submitted to her insurance to help meet the family deductible of $500? We live in IL. Any help would be greatly appreciated. Thanks!
Finding Health Insurance Plans?
I'm 25 and will be off my parents plan at the end of the month and with a history of preexisting conditions, it's hard to find any one that will accept me. We've been looking and calling and going through a insurance broker and no one will take me. Is there any company or health insurance plan that is less strict on new customers? What do I do?""
Misspelled name on car insurance card.?
I have allstate car insurance .They just misspelled it by one letter, what is supposed to be an N is an M , I've had the card for like a month and its misspelled on my old one too. Does it really matter?""
Unemployment Insurance California?
I have been recently laid off after working for a company for 13 years. I filed for unemployment, but was denied benefits because I am currently employed by another company. However, it is a commission only position (Loan Officer) and I am learning the trade and have not made any sales, hence I have not been paid. I feel I should be able to get unemployment benefits until I actually get paid. Do I have a case for an appeal?""
""Where can i find cheap car insurance in Toronto, Ontario?""
Where can i find cheap car insurance in Toronto, Ontario?""
Whats the best Health Insurance for Canada?
I'm going to Canada on holiday, and need to have some health insurance. Could anyone please tell me where I can get this from? Also, what the best health insurance consists of? Thanks!""
How much does it cost for 2 door car insurance?
Getting my second car soon...found a 2006 honda civic LX...this is a 2 door car (coupe) verrryyy nice and I need to know what insurance would be monthly/yearly for this. I'm still on my parents insurance- 19. Female. No accidents; tickets. North Carolina. College Student. Please help. Thank you.
Auto insurance?
i have had my license for a little over 2 years now. My first year pay for auto insurance was 200$ a month (roughly) on my second year pay it was raised to 250$ a month (roughly). i have never gotten into an accident or gotten any tickets (never even been pulled over...). is it normal for auto insurance to be raised by that much, i know for newer drivers its a lot but i figured it would start high then get lower not start low then get higher. i have arbella mutual ins. and driving a toyota corolla ce perfect condition with no problems with it. i live in MA. if that makes a difference""
Has anyone insured a 17yr old learner driver if so where?
Hi I want to insure my 17 yr old son 18 this year he is about to learn to drive on my car insurance, I rang my insurance they said they dont insure anyone under 25yrs it it due to run out in may so i will be going elsewhere any ideas where would insure someone of that age and how much did it cost many thanks""
""Im 16 and i want to get a R6, i want to know how much it would cost for insurance?""
I live in the U.S, Florida and i am taking the MSF course.""
Getting Health Insurance?
I recently moved to New York City and the health insurance is expensive here. I was living in Virginia with my family and they still live there. Can I apply for Virginia health insurance, even though I'm living in NYC?""
An individual purchasing auto insurance is an example of:?
An individual purchasing auto insurance is an example of: Answer Hedging. Passing risk to someone else. Risk premium. Systematic risk. a and d
Does the driver NEED INSURANCE OR JUST THE CAR?
I'm 17 I have my license. If I borrow a friends car /test drive a car with insurance & I get pulled over will I get introuble?? Do I also need insurance on my name and on the car or just on me?? Can u explain thanks. I heard you have to have insurance on the driver and car or something like this thanks. I live in Oregon.
Is it possible to get very short term car insurance?
My grandfather passed away about a month ago and i inherited his car. I've driven it for a few weeks planning on switching my insurance from one car to another. I have decided I want to insure both cars because no I plan on selling and or trading in both of them. My question is: 1) will my grandfathers old car stay insured until the end of his insurance period? (silly question which I'm sure is a no.) but mostly 2) is there any short term insurance that would last about one month at the most? I'm a college student with very little money, so I was hoping to find something affordable. I live in Pennsylvania""
Boxer Dogs and homeowner insurance?
in the state on Louisiana in the N.O area does Boxer dog cause ur insurance to rise?.. and what are some links?
Insurance for senior parents?
I'm considering enlisting in the military. One of the benifits I will recieve is life insurance at an affordable cost. I can get a joint policy with my 2 senior parents (who are currently uninsured) given that they are my dependents. In order for them to qualify, my parent's AGI has to be less than $3200. My father is a licensed chauffer (cab driver) and my mother retired early, and is recieving SS benifits. Will the annual SS amount disqualify her? My father does not file for taxes, and currently owes for not filing. (cabbies don't deduct taxes, they make what they make, I guess) My question is, will this be a stretch to try to get them insured via my military benifits, considering their situations?""
Do I have to pay 30 in advance on my car insurance?
I live in Florida and my car insurance says I have to pay 30 days in advance. Is this true? Does anyone know the statute?
How much would it cost to be put onto someone else's insurance?
If it is a 17 year old who is going to be put onto one of his parents insurance so he can drive their car, will the amount added on be roughly the same as if he were to have his own insurance or slightly more/slightly less etc? Cheers.""
What will happen if I drive without car insurance and get caught?
I drive my parents Grand Prix every once in a while, but i do not ever drive the ford expedition. I asked my stepfather will it be okay for me to drive back to college, he said no. He said that it will cost to much to add me on at this point. My mom does not want me to drive sometimes, because she think my license will be revoked or I would have to pay a large fine. I want to have a car on campus, because I do not like being stuck their mostly throughout the week, even though the semester is about over. Is it a good idea to drive without car insurance.""
Whats the best car to get that's cheap on insurance?
i just passed my test (yippeeee) however only got a bit saved up whats the best cheapest to insure trying to get quotes so i know :) (im 24 by the way)
How much will my auto insurance go up(rough idea) if I get a job where I would use my car?
Just curious what range it might fall in. My premium with state farm is very low, about $70 a month with full coverage on a 1994 3000GT. Milage would be like 125 a day.""
Can I ask my own car insurance to pay?
I was a passenger in my friends car when a tire from a semi ( that drove away and identity is unknown) hit several cars and my back hurts. I want to go to a chiropractor but have no insurance. I don't want to sue the driver or go after the drivers insurance because he is my friend. Can I choose to ask my own insurance company to pay?
Temporary vehicle registration and insurance in California for uk citizen?
Hi, Myself and a friend will be travelling to California next month to purchase a 1960s vw campervan. We will be driving it to the shipping port to export it back to the uk. I've been told we can get a temporary registration which lasts 28 days and will allow us to drive the van. I've been on the californian DMV website but cannot find any more information or the forms. no email address either! So far I just know we will need to have an insurance certificate to get the temporary registration. Couple of questions really, Do I need to purchase a van before I can get the temporary registration? Ideally I would like to go buy a van and drive it away there and then from the seller but Im thinking I'll have to put a deposit down or similar and get the info and go to the DMV before I can take it away? Second question is insurance, I guess the best idea would be to go with an American company. Will they insure a uk citizen who's just over for a few weeks with just a uk driving license? Any suggestions of companies who may do so? In the uk we have a company called swift who only deal online. This would be ideal because then I wouldn't need an address forms/certificates to be sent. Any ideas? Reason were not getin it transported is because we want to do a bit of travelling on route to a east coast port.""
Car insurance for a Ford Mustang GT?
I am saving up to buy a 2004 Ford Mustang GT for my 19th birthday. I have no wrecks or tickets on my record and have been to driving classes. How much would insurance be if 1) I had the car put under my parents name or 2) I had it put under my name only
Insurance Cost Estimate For 16 Year Old With Sports Car?
How much would it cost to insure a 16 year old on Geico with a sports car compared to a sedan or something of that nature? To be more specific, what would be the average change in ...show more""
""3 penalty points on licence, as a named driver, how will this affect insurance?""
My daughter was learning to drive and bought herself a little clio, but, it was cheaper on insurance, if I went on as a named driver, I've had a clean license for over 30 years. But, I got a speeding ticket in November and three points on my license. My daughter went on to pass her test, and informed the insurance company, pushing her premium up really high. Anyway, I forgot all about my points. This week she was involved in a crash, will my non disclosure mean they won't pay out?""
Medical insurance coordination of benefits help?
Husband & wife both have group medical insurance with their employers. His insurance is a bucket plan through Cigna called an HSA. It pays for the first $750 & then he has to meet another $750 before anything else is pd. Her insurance is Healthlink PPO with $250 deductible. If husband's insurance pays for his chiropractor bills in full (as not over $750 total) can these bills be submitted to her insurance to help meet the family deductible of $500? We live in IL. Any help would be greatly appreciated. Thanks!
What would be considered as a franchise of Allstate ? ?
Would it be the actual insurance agent ?
Cheapest car insurance?
2001 ford mustang, 2005 chevy cobalt, 2003 chevy impala, 2000 chevy blazer, and a 2002 chevy camaro. Put them in order from most expensive to least expensive based on insurance and gas. I am an almost 16 year old guy, if that helps! thanks!""
Does anyone know of any dependable and affordable health insurance for young adults?
Does anyone know of any dependable and affordable health insurance for young adults?
How much would the average price for a male at the age of 20 to have full coverage car insurance?
How much would the average price for a male at the age of 20 to have full coverage car insurance?
How much are you paying for motorcycle insurance?
I'm trying to get a quote for insurance on a 2008 Ducati 848. I tried Geico, State Farm, All State abd Progressive but they all are quoting me around the same which is around 4k a year for full coverage and 1k a year for just liability. This seems crazy to me as im only paying $350 a year right now for full coverage on my ninja 250. I know the Duc has a much larger engine but the price difference is drastic. Im a 23 year old male with 2-3 years riding experience. Clean record and i did the MSF course when i started riding. The 848 im trying to buy is used and i would be paying in full. How much are you guys paying?""
What should i expect in a auto accident and insurance settlement?
I was hit from behind on Wednesday evening heading to work. The driver was ticketed by the police and their insurance company has admitted full liability. Injury wise, I have whiplash which thankfully, is going away now. My car, according to their adjuster, is going to be claimed as totaled. So, my car is valued at 7400, and repairs just from visual inspection, are 7015. So they are going the totaled route as its cheaper for them. After they buy the car from me, they will sell it to salvage, expect to get 2k from it, and only be out 5400 instead of a full cost of repairs. So I've had the car for a year and half, taken out on a 5yr car loan. I still owe 12k on it. After they cut a check to the lean holder, I'm still responsible for 5k on that loan. The bank and my insurance at the time didn't offer gap insurance. Stupid of me, I let my current policy expire to search around for a more affordable policy. I kept procrastinating, and the accident happened with me having no insurance. Lucky he hit me and is at fault. I'm trying to see what my options are. I've gone to the liable company's website and see their basic plan for my state, law requires 25k in property liability for at fault accidents, plus medical etc. So I'm wondering what should I expect from the lady handling this claim. I'm not fooled when she called me yesterday and said that she is here to work with and for me. Saying that there is probably a lot of talk about lawyers, just know they will take 30-40% of you settlement. Know that I'm here to work for you, try to work with me I'm thinking my head total bull crap. 1, she works for her insurance company first, and will have their interest first, 2, she works for their client and to protect them from me in a suit. In the end, I'm not stuck with a car that they will not fully pay to have repaired, and will still owe 5k after they pay the loan holder the value of the car. My credit is damaged and getting a new loan is probably not going to happen easily. I really don't want to get a lawyer but I now have a car sitting in my driveway that I can't use plus a balance in the end. Anyone got some suggestions as to what I should realistically expect. The lady mentioned a liability settlement, repair settlement, medical expenses settlement, and personal injury settlement. I'm not out to make money on this as that just will not happen. But I have no car and will owe 5k still. I'm just like...f**k""
What car insurance do you have?
Im trying to find one that's cheaper I recently have 21st Century. What's the name of your car insurance and do you like it?
How much would car insurance cost for a new driver? liability.?
im bout to be able to get my car so i need to kno how much car insurance will cost for me. new driver. and liability coverage.
Does my teenager need to be added to my insurance policy BEFORE he receives his driver's license?
Three of my friends didn't add their kids until they actually had their licenses, and the driving school said that technically they are covered by the parent's insurance while driving with just a permit. When I called AAA, they said I needed to add him. If I don't have to add him to the policy until he's actually a licensed driver and save the enormous $$$ it'll cost, I'd prefer to wait.""
Questions about health insurance.?
I'm trying to get health insurance for myself since I have been to my doctor last week and he looked at my swollen cheek and said that it might be cancer tumor, but they're not sure about it and running a biopsy and will know by end of the week. Now, the health insurance companies are denying me coverage because I told them about the doctor's appointment and now considering the tumor as preexisting condition. I was wondering if I didn't tell them about the tumor and got the insurance and got admitted to a hospital, and the insurance company sues me later on; would that a valid sue or could I actually fight it? I only need the insurance till January since the Affordable Care Act comes out in January in which any preexisting cause goes out the window. Thank You!""
Really pissed with car insurances?
when you have a accident and it is you fault and you only have basic insurance but STILL you have to pay the damage of the vehicle you hit so why do we pay for car insurance if we still have to pay more? is like if i'm paying to fix the other car and still paying the regular price to my insurance. are they stealing? or why the government let them do that?
How much adding coverage for substitute vehicle to my insurance will cost me?
I live in Mass
""I am due to start driving next September, what cars get you cheaper insurance, and what other things can i do?""
i looked on some sites, some saying as much as 7000 in the uk, can i get that a little cheaper? thanks""
""If your under 30yrs old and you drive a car, how much is your car insurance each month, and who are you with..?""
i want to get a car, but don't know where to start, ive tried the insurance website, but not sure what some things mean, as ive never had a car before, i just want some kind of idea of what range of money i will be paying out each month..thank you for your time.""
Can i get driver insurance without owning a car ?
from who and roughly how much ? I've got a clean record.
Where can I find cheap car insurance in Philadelphia?
I know the auto insurance rates in Philly are expensive. Why is this and where do I go to find the best price?
If My Mom has insurance coverage can i still get insurance with her if i own my own car?
ok so my mom has car insurance on her car, but she was telling me she registers my car under her name that the insurance will cover me and the car. But if the car is under my name can i still get insurance with her??""
""After i register my car how much time do i have to get insurance, while still driving?""
I just registered it today and i was wondering if i can drive it around, till i get insurance this weekend. Im in MN.""
Need help with car insurance questions.?
I'm getting my license in a few months and I am looking into car insurance and so forth. I live in Gulf Breeze,Florida. Taking the drivers ed. class. Make A's in school. What would be the best car insurance company to go with? The cheapest car to insure? Anything really that you know and could give me information on would be greatly appreciated. Thanks""
Is AETNA a good health insurance to get?
my benefits package came from work, it offers medical from Aetna is that a good health insurance provider? What about Guardian Plan ppo for Dental??""
What are the books that insurance companies use?
What are books that are full of the variations of ways that people have died, that insurance companies use to produce statistics called or labelled as genre.""
What is required for a new resident in England (from Canada) to get car insurance?
Moving to England shortly, and it will be so much easier to find work and move into a new place if we have a car first. What information will we need to get insurance? We will be living with friends, so we could use their address and phone number until we get our own place. But will we need a national insurance number before we can get car insurance? British bank account? We'll be getting those things, but it would be so much easier to have the car first. Basically, what is required for us to provide in order to get a car bought, insured, and on the road? (We'll be paying cash.)""
Car insurance problem!!! Please help!!!?
My problem is that I had a car accident last monday, and I just picked the police report. I called the other person insurance (Which is responsible for the accident), and they told me that his policy is suspended because he didn't pay. Basically he was driving without insure. ***My question is what I need to do now??? I have a repair estimate, which is $1,400.""
Can I drive my uncle car but im under my grandmothers insurance?
I am under my grandmothers insurance and my uncle let me borrow one of his cars for a month. the car is under his insurance. if i was to get pulled over would i get into trouble for driving his car. all of his insurance information is in the car and his registration. and will i need to bring proof of me under my grandmothers insurance?
Is there any affordable health insurance out there(about 140-180 dollars a month)?
Not health savings accounts ...Is there anything by the government for Americans trying to live the American Dream on a modist income.
Medical insurance coordination of benefits help?
Husband & wife both have group medical insurance with their employers. His insurance is a bucket plan through Cigna called an HSA. It pays for the first $750 & then he has to meet another $750 before anything else is pd. Her insurance is Healthlink PPO with $250 deductible. If husband's insurance pays for his chiropractor bills in full (as not over $750 total) can these bills be submitted to her insurance to help meet the family deductible of $500? We live in IL. Any help would be greatly appreciated. Thanks!
https://www.linkedin.com/pulse/does-cost-money-my-dads-insurance-just-getting-drivers-kareen"
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hashtagyourshirt · 7 years
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200: My crush’s name is: Liz.  199: I was born in: Camden. 198: I am really: aggressive. 197: My cellphone company is: Verizon. 196: My eye color is: blue/grey. 195: My shoe size is: 7/9. 194: My ring size is: 7. 193: My height is: 5′5″ 192: I am allergic to: trees. 191: My 1st car was: Ford Explorer ‘97. 190: My 1st job was: Royal Bargains, Dollar Store. 189: Last book you read: Love is Love. 188: My bed is: too small. 187: My pet: Willers, eventual cause of my death. 186: My best friend: works with me. 185: My favorite shampoo is: Whole Foods. 184: Xbox or ps3: N64. 183: Piggy banks are: stressful. 182: In my pockets: great Alanis Mourisette song. 181: On my calendar: new job tomorrow. 180: Marriage is: a commitment.  179: Spongebob can: be ready. 178: My mom: wants to get matching tattoos. 177: The last three songs I bought were? Sleater-Kinney 176: Last YouTube video watched: Carmilla. 175: How many cousins do you have? 56 first cousins. 174: Do you have any siblings? 1. 173: Are your parents divorced? no. 172: Are you taller than your mom? yes. 171: Do you play an instrument? guitar. 170: What did you do yesterday? went to the zoo with the school. [ I Believe In ] 169: Love at first sight: yep. 168: Luck: yep. 167: Fate: yep. 166: Yourself: eh. 165: Aliens: I hope. 164: Heaven: eh. 163: Hell: eh. 162: God: eh. 161: Horoscopes: yep. 160: Soul mates: yep. 159: Ghosts: eh. 158: Gay Marriage: yep! 157: War: no. 156: Orbs: huh? 155: Magic: in a young girl’s heart. [ This or That ] 154: Hugs or Kisses: hugs. 153: Drunk or High: drunk. 152: Phone or Online: online. 151: Red heads or Black haired: black. 150: Blondes or Brunettes: brunettes. 149: Hot or cold: cold. 148: Summer or winter: summer. 147: Autumn or Spring: autumn. 146: Chocolate or vanilla: chocolate. 145: Night or Day: day. 144: Oranges or Apples: oranges. 143: Curly or Straight hair: curly. 142: McDonalds or Burger King: ew. 141: White Chocolate or Milk Chocolate: milk. 140: Mac or PC: Mac. 139: Flip flops or high heals: flops. 138: Ugly and rich OR sweet and poor: sweet and poor 137: Coke or Pepsi: pepsi. 136: Hillary or Obama: gimme both. 135: Burried or cremated: cremated. 134: Singing or Dancing: singing. 133: Coach or Chanel: Chanel. 132: Kat McPhee or Taylor Hicks: who? 131: Small town or Big city: big city. 130: Wal-Mart or Target: target. 129: Ben Stiller or Adam Sandler: ew. 128: Manicure or Pedicure: EW. 127: East Coast or West Coast: EAST COAST. 126: Your Birthday or Christmas: my birthday. 125: Chocolate or Flowers: flowers. tattooed on me. 124: Disney or Six Flags: disney. 123: Yankees or Red Sox: PHILLIES. [ Here’s What I Think About ] 122: War: Boo. 121: George Bush: BOO. (also how the fuck old is this?) 120: Gay Marriage: YES. 119: The presidential election:  BOOOOOOOOOOO!!!! 118: Abortion: should be safe and legal 117: MySpace: high school 116: Reality TV: terrifying 115: Parents: boo. 114: Back stabbers: why did they stab backs? 113: Ebay: supes old 112: Facebook: listens to me 111: Work: exciting now! 110: My Neighbors: new 109: Gas Prices: moderate 108: Designer Clothes: expensive 107: College: long time ago 106: Sports: fun to play, and gay 105: My family: far away (blood)  104: The future: amazing [ Last time I ] 103: Hugged someone: yesterday 102: Last time you ate: yesterday 101: Saw someone I haven’t seen in awhile: yurp (Tuesday) 100: Cried in front of someone: yeah, bit ago. 99: Went to a movie theater: uhhhhhhhh, for Wonder Woman 98: Took a vacation: ONE MONTH UNTIL PARIS 97: Swam in a pool: does a hot tub count? 96: Changed a diaper: this past weekend 95: Got my nails done: ten years ago 94: Went to a wedding: may 2017 93: Broke a bone: never 92: Got a piercing: seven years ago 91: Broke the law: NEVER 90: Texted: like five seconds ago [ MISC ] 89: Who makes you laugh the most: Lizard! 88: Something I will really miss when I leave home is: being at home 87: The last movie I saw: I don’t remember 86: The thing that I’m looking forward to the most: Paris 85: The thing im not looking forward to: getting up 84: People call me: kevy, pronounced KEV - EEEEEEE!!!! 83: The most difficult thing to do is: not bite my fingers 82: I have gotten a speeding ticket: nine years ago 81: My zodiac sign is: taurus 80: The first person i talked to today was: my wife 79: First time you had a crush: like over twenty years ago.... 78: The one person who i can’t hide things from: everyone, but specifically my wife 77: Last time someone said something you were thinking: my bff 76: Right now I am talking to: some friends, wife, some mutuals, tweeting 75: What are you going to do when you grow up: queer counselor (I’m grown!) 74: I have/will get a job: I’m a Special Education Classroom Assistant and a Queer student counselor at a gifted elementary school 73: Tomorrow: bacon, egg, and cheese breakfast 72: Today: book club 71: Next Summer: camp again? 70: Next Weekend: podcast taping (San Junipero) 69: I have these pets: Willers, he’s fucking annoying 68: The worst sound in the world: his fucking meow at 6 am 67: The person that makes me cry the most is: Lena Luthor #pathetic 66: People that make you happy: my friends, my wife 65: Last time I cried: discussing queer politics 64: My friends are: great 63: My computer is: shiny 62: My School: new 61: My Car: piece of shit 60: I lose all respect for people who: have no backbone 59: The movie I cried at was: first girl I loved 58: Your hair color is: dark brown undercut, honey brown/blond on top 57: TV shows you watch: that gay shit. 56: Favorite web site: ao3 55: Your dream vacation: world tour over six months 54: The worst pain I was ever in was: my period pain was horrid about fifteen to thirteen years ago.  It’s manageable now, but still the worst. 53: How do you like your steak cooked: bloody 52: My room is: messy 51: My favorite celebrity is: Katie McGrath, Elise Bauman, and Eliza Dushku 50: Where would you like to be: right where I am, but bigger apartment, in better shape, and with more money 49: Do you want children: nope 48: Ever been in love: yup 47: Who’s your best friend: Anne 46: More guy friends or girl friends: all gals 45: One thing that makes you feel great is: finishing something 44: One person that you wish you could see right now: my sis 43: Do you have a 5 year plan: nope 42: Have you made a list of things to do before you die: nope 41: Have you pre-named your children: nope 40: Last person I got mad at: fuckhead in chief 39: I would like to move to: Canada 38: I wish I was a professional: writer [ My Favorites ] 37: Candy: sour s’getti 36: Vehicle: my bike 35: President: Obama 34: State visited: California  33: Cellphone provider: idc 32: Athlete: I was obsessed with roy halladay as a youth 31: Actor: Katie McGrath 30: Actress: Elise Bauman 29: Singer: Ani DiFranco 28: Band: Against Me! 27: Clothing store: thrift store 26: Grocery store: don’t care 25: TV show: all time: Buffy, current: Wynonna Earp 24: Movie: Fried Green Tomatoes 23: Website: ao3 22: Animal: pitbull 21: Theme park: Harry Potter world 20: Holiday: purim, my anniversary 19: Sport to watch: softball 18: Sport to play: softball 17: Magazine: teen vogue 16: Book: dc bombshells 15: Day of the week: Friday (shabbat shalom!) 14: Beach: ocean city, nj 13: Concert attended: tied between Tegan & Sara (2016) and Blink 182, Weezer, and Taking Back Sunday (2009)  12: Thing to cook: steak 11: Food: sandwich 10: Restaurant: Jerry’s 9: Radio station: I do not know her 8: Yankee candle scent: midsummer night 7: Perfume: none 6: Flower: star gazer lily 5: Color: green 4: Talk show host: Ellen 3: Comedian: currently, Rhea Butcher 2: Dog breed: pit/aussie 1: Did you answer all these truthfully? yuh
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denisewilliams · 7 years
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How can I sell when I’m not the lowest price?
By Dave Kahle
“How can I sell when I’m not the lowest price?”
I wish I had a dollar for every time I was asked that question in a sales training session. It’s certainly one of the most common questions I hear coming from professional sales people – and their bosses.
There are a variety of answers — too many for just one article. But, we can identify one of the most powerful ways to deal with this problem.
First, let’s start with this premise: “Low price” is not the main reason people buy! In every survey of buying motivations I’ve ever read, low price is never the primary motivation. Yes, it’s important. And, when everything else is equal, it will be the deciding factor. But very rarely is everything else equal. And very few people in this world buy only on the basis of low price. How many of you are driving used Yugos? Or wearing a suit you bought at a garage sale? Or watching an 8-inch black & white TV?
You’ve got the picture. You don’t always buy on the basis of low price, so why should you think that all your customers do?
The truth is, they don’t. And here’s a secret that almost nobody knows, including all those gurus telling you to sell value. They don’t always buy the best value. But, they can invariably be counted on to buy the lowest risk!
The biggest issue in the minds of your customers and prospects is not price, and it’s not value – it is risk.
What’s risk?
Risk is the potential cost to the individual customer if he/she makes a mistake. It’s not just the money, although that is part of it. It is also the social, psychological and emotional cost that your customer will pay if your choice isn’t the best one. The lower the risk of the decision, the more likely your customer will say “yes” to you – regardless of the price.
Let’s become comfortable with this concept of risk first, and then discuss how to use it in your sales efforts.
In order to really understand risk, you must first see this issue from your customers’ perspective. Try to put yourself in their shoes, and calculate the amount of risk that you expect your customers to take when you offer them an opportunity to say “yes” to you.
Here’s an illustration to help you understand this concept. Imagine that you are under orders by your spouse to pick up a package of disposable cups on the way home from work today because you’re having friends over for a casual evening of dessert and drinks tonight. You stop at the local grocery store, and make a selection between brand A and brand B. You pick brand A.
After you bring the cups home, your spouse mixes up a pitcher of margaritas and pours one. The drink leaks out of the bottom of the cup and puddles on the counter. There is a hole in the bottom of the cup. You pour your drink into another cup and it leaks, too. In fact, every one of the cups you bought is defective.
What happens to you in this instant in time? What is the consequence of your decision? I don’t know about you, but I would be the recipient of some negative emotion. My spouse would be upset with me. That may be the most painful cost of your decision. But there are other costs.
You’re going to have to fix the problem. If there’s time, you’ll have to run back to the store and replace the cups. So, in addition to the emotional cost, you must also pay in terms of extra time and additional money. All because of your bad decision. Those costs — negative emotions, time wasted, extra money spent — all combine to form the risk you accepted when you made your decision.
Here’s a simple exercise to help you understand this concept. Draw a short vertical line. At the top of the line, write the number 25. At the bottom, write a zero. Now on a scale of 0 – 25, where would you put the risk of buying a package of disposable cups? You’d probably say it is close to zero. So, put an X on the line from 0 to 25 where you think the risk of buying those cups would be.
Let’s look at an illustration at the other end of the scale. I once had an adoption agency as a client. When a young lady is in a crisis pregnancy, and she’s making a decision as to whether or not to release her unborn child for adoption, how big a risk is that for her? Put your X on the line that represents your assessment of that risk.
Most people put their mark around 25. The risk in this situation is a lifetime of consequences for at least four people – the mother, child and adoptive parents. That’s a very high risk.
Compare the X’s for the two different decisions, and you’ll conclude that different decisions carry with them differing degrees of risk.
Now, let’s apply this concept to your customers. Remember that every time you ask your prospects to say yes to you, they are accepting some risk. And each of those decisions you ask of them carries with it a different degree of risk.
Imagine your typical customer. Then think of the typical offer or decision you ask of that person. For example, take one of your newer products. Imagine you are presenting it to your customer for the first time. Now, put yourself in his shoes, and see the situation through his eyes. On the 0 – 25 scale, how much risk does your customer accept when he says “yes” to you?
For an easy way of calculating it, just ask yourself what happens to that individual if you, or your company, messes up.
If your customer buys that product and it doesn’t do what you claim it will, what trouble will that make for your customer? What consequences will he/she pay? What is the risk?
And don’t say that there is no risk because you’ll take care of any problem that might develop. You may think that, but your customer doesn’t know that. And remember, you’re trying to see this from your customer’s point of view, not yours. The amount of risk is what your customer perceives it to be.
I had a great example of the role of risk in sales several years ago. A young man approached me to help his company with their sales efforts. They were selling a product that was, at the time, a real state-of-the-art breakthrough. The company designed computerized controls that were retrofitted on production equipment. As a result of the use of these controls, the savings in energy consumption would pay for the cost of the equipment in less than a year.
It looked like a great product. But he couldn’t sell them as rapidly as the company wanted.
“Tell me how you go about selling them” I asked.
“We qualify our prospects to the point where we know we have someone who could use the equipment. Then I call the production engineer or the plant manager on the phone, and gather some information about the type of equipment they use. Then I create a written proposal showing the economic payback, and mail it to him. Next I call and try to close the sale.”
“Let me see if I understand correctly,” I said.
“You are calling a plant manager on the phone. I would guess that most plant managers are men in their 50’s, probably with advanced degrees, and who have been in the plant for a number of years, is that right?”
“That’s right.”
“OK,” I said. “So, you’re calling someone twice your age, asking him to spend $20,000 – $30,000 of unbudgeted money on equipment he’s never seen, from a company he’s never heard of, and from a sales person half his age who he’s never met. Is that right?”
My client became a little defensive. “If you put it that way, I suppose it’s right.”
“Well put it that way,” I replied, “because that’s the way he sees it.”
The problem was simple – risk. On that scale of 0 – 25, how much risk would you think the plant manager would be accepting if he said “Yes” to the over-the-phone offer?
Put yourself in his shoes. Suppose the equipment didn’t work the way it was supposed to? He could shut down production lines, spend weeks trying to make things right, cause all sorts of havoc in the plant, and potentially even lose his job. Now that’s risk.
If you were that plant manager, how much more than the original $20,000 quote would you spend to reduce the risk? It wouldn’t be hard to justify a price double that.
That should give you a clue as to how to fight the “low price” issue. Worry less about low price, and more about lowering the risk.
Here are four strategies to do so.
1. Build solid, deep relationships with the key decision-makers. Relationships mitigate risk. The greater the relationship, the lower the perceived risk. That’s why the salesman with the longer relationship almost always has the benefit of the doubt in a competitive situation. It’s not the price – it is the risk.
2. Make ample use of third party recommendations, customer lists, case studies and testimonials. All of these say to the customer that someone else (or lots of someone else’s) has used the product or service. That means it’s less risk for your customer to buy it.
3. Try to get your customer as physically involved with the product as possible. For example, if you’re selling a piece of equipment, try to get the customer to trial the equipment, or at least visit somewhere it’s being used. The more your customer can see and feel the actual thing, the less risk is it to them.
4. Finally, work with your company to create offers that reduce the risk. Trial periods, money-back guarantees, delayed billing, warranties, service desks – all of these reduce your customer’s perception of risk.
The winners in the competitive selling arena of the Information Age are those who are the low risk providers, not the low price people.
Copyright MMX by Dave Kahle
All Rights Reserved
from Commence CRM http://www.commence.com/blog/2017/07/28/how-can-i-sell-when-im-not-the-lowest-price/ from Commence CRM https://commencecrm1.tumblr.com/post/163530539534
0 notes
commencecrm1 · 7 years
Text
How can I sell when I’m not the lowest price?
By Dave Kahle
“How can I sell when I’m not the lowest price?”
I wish I had a dollar for every time I was asked that question in a sales training session. It’s certainly one of the most common questions I hear coming from professional sales people – and their bosses.
There are a variety of answers — too many for just one article. But, we can identify one of the most powerful ways to deal with this problem.
First, let’s start with this premise: “Low price” is not the main reason people buy! In every survey of buying motivations I’ve ever read, low price is never the primary motivation. Yes, it’s important. And, when everything else is equal, it will be the deciding factor. But very rarely is everything else equal. And very few people in this world buy only on the basis of low price. How many of you are driving used Yugos? Or wearing a suit you bought at a garage sale? Or watching an 8-inch black & white TV?
You’ve got the picture. You don’t always buy on the basis of low price, so why should you think that all your customers do?
The truth is, they don’t. And here’s a secret that almost nobody knows, including all those gurus telling you to sell value. They don’t always buy the best value. But, they can invariably be counted on to buy the lowest risk!
The biggest issue in the minds of your customers and prospects is not price, and it’s not value – it is risk.
What’s risk?
Risk is the potential cost to the individual customer if he/she makes a mistake. It’s not just the money, although that is part of it. It is also the social, psychological and emotional cost that your customer will pay if your choice isn’t the best one. The lower the risk of the decision, the more likely your customer will say “yes” to you – regardless of the price.
Let’s become comfortable with this concept of risk first, and then discuss how to use it in your sales efforts.
In order to really understand risk, you must first see this issue from your customers’ perspective. Try to put yourself in their shoes, and calculate the amount of risk that you expect your customers to take when you offer them an opportunity to say “yes” to you.
Here’s an illustration to help you understand this concept. Imagine that you are under orders by your spouse to pick up a package of disposable cups on the way home from work today because you’re having friends over for a casual evening of dessert and drinks tonight. You stop at the local grocery store, and make a selection between brand A and brand B. You pick brand A.
After you bring the cups home, your spouse mixes up a pitcher of margaritas and pours one. The drink leaks out of the bottom of the cup and puddles on the counter. There is a hole in the bottom of the cup. You pour your drink into another cup and it leaks, too. In fact, every one of the cups you bought is defective.
What happens to you in this instant in time? What is the consequence of your decision? I don’t know about you, but I would be the recipient of some negative emotion. My spouse would be upset with me. That may be the most painful cost of your decision. But there are other costs.
You’re going to have to fix the problem. If there’s time, you’ll have to run back to the store and replace the cups. So, in addition to the emotional cost, you must also pay in terms of extra time and additional money. All because of your bad decision. Those costs — negative emotions, time wasted, extra money spent — all combine to form the risk you accepted when you made your decision.
Here’s a simple exercise to help you understand this concept. Draw a short vertical line. At the top of the line, write the number 25. At the bottom, write a zero. Now on a scale of 0 – 25, where would you put the risk of buying a package of disposable cups? You’d probably say it is close to zero. So, put an X on the line from 0 to 25 where you think the risk of buying those cups would be.
Let’s look at an illustration at the other end of the scale. I once had an adoption agency as a client. When a young lady is in a crisis pregnancy, and she’s making a decision as to whether or not to release her unborn child for adoption, how big a risk is that for her? Put your X on the line that represents your assessment of that risk.
Most people put their mark around 25. The risk in this situation is a lifetime of consequences for at least four people – the mother, child and adoptive parents. That’s a very high risk.
Compare the X’s for the two different decisions, and you’ll conclude that different decisions carry with them differing degrees of risk.
Now, let’s apply this concept to your customers. Remember that every time you ask your prospects to say yes to you, they are accepting some risk. And each of those decisions you ask of them carries with it a different degree of risk.
Imagine your typical customer. Then think of the typical offer or decision you ask of that person. For example, take one of your newer products. Imagine you are presenting it to your customer for the first time. Now, put yourself in his shoes, and see the situation through his eyes. On the 0 – 25 scale, how much risk does your customer accept when he says “yes” to you?
For an easy way of calculating it, just ask yourself what happens to that individual if you, or your company, messes up.
If your customer buys that product and it doesn’t do what you claim it will, what trouble will that make for your customer? What consequences will he/she pay? What is the risk?
And don’t say that there is no risk because you’ll take care of any problem that might develop. You may think that, but your customer doesn’t know that. And remember, you’re trying to see this from your customer’s point of view, not yours. The amount of risk is what your customer perceives it to be.
I had a great example of the role of risk in sales several years ago. A young man approached me to help his company with their sales efforts. They were selling a product that was, at the time, a real state-of-the-art breakthrough. The company designed computerized controls that were retrofitted on production equipment. As a result of the use of these controls, the savings in energy consumption would pay for the cost of the equipment in less than a year.
It looked like a great product. But he couldn’t sell them as rapidly as the company wanted.
“Tell me how you go about selling them” I asked.
“We qualify our prospects to the point where we know we have someone who could use the equipment. Then I call the production engineer or the plant manager on the phone, and gather some information about the type of equipment they use. Then I create a written proposal showing the economic payback, and mail it to him. Next I call and try to close the sale.”
“Let me see if I understand correctly,” I said.
“You are calling a plant manager on the phone. I would guess that most plant managers are men in their 50’s, probably with advanced degrees, and who have been in the plant for a number of years, is that right?”
“That’s right.”
“OK,” I said. “So, you’re calling someone twice your age, asking him to spend $20,000 – $30,000 of unbudgeted money on equipment he’s never seen, from a company he’s never heard of, and from a sales person half his age who he’s never met. Is that right?”
My client became a little defensive. “If you put it that way, I suppose it’s right.”
“Well put it that way,” I replied, “because that’s the way he sees it.”
The problem was simple – risk. On that scale of 0 – 25, how much risk would you think the plant manager would be accepting if he said “Yes” to the over-the-phone offer?
Put yourself in his shoes. Suppose the equipment didn’t work the way it was supposed to? He could shut down production lines, spend weeks trying to make things right, cause all sorts of havoc in the plant, and potentially even lose his job. Now that’s risk.
If you were that plant manager, how much more than the original $20,000 quote would you spend to reduce the risk? It wouldn’t be hard to justify a price double that.
That should give you a clue as to how to fight the “low price” issue. Worry less about low price, and more about lowering the risk.
Here are four strategies to do so.
1. Build solid, deep relationships with the key decision-makers. Relationships mitigate risk. The greater the relationship, the lower the perceived risk. That’s why the salesman with the longer relationship almost always has the benefit of the doubt in a competitive situation. It’s not the price – it is the risk.
2. Make ample use of third party recommendations, customer lists, case studies and testimonials. All of these say to the customer that someone else (or lots of someone else’s) has used the product or service. That means it’s less risk for your customer to buy it.
3. Try to get your customer as physically involved with the product as possible. For example, if you’re selling a piece of equipment, try to get the customer to trial the equipment, or at least visit somewhere it’s being used. The more your customer can see and feel the actual thing, the less risk is it to them.
4. Finally, work with your company to create offers that reduce the risk. Trial periods, money-back guarantees, delayed billing, warranties, service desks – all of these reduce your customer’s perception of risk.
The winners in the competitive selling arena of the Information Age are those who are the low risk providers, not the low price people.
Copyright MMX by Dave Kahle
All Rights Reserved
from Commence CRM http://www.commence.com/blog/2017/07/28/how-can-i-sell-when-im-not-the-lowest-price/
0 notes
joshuamagno · 7 years
Text
How can I sell when I’m not the lowest price?
By Dave Kahle
“How can I sell when I’m not the lowest price?”
I wish I had a dollar for every time I was asked that question in a sales training session. It’s certainly one of the most common questions I hear coming from professional sales people – and their bosses.
There are a variety of answers — too many for just one article. But, we can identify one of the most powerful ways to deal with this problem.
First, let’s start with this premise: “Low price” is not the main reason people buy! In every survey of buying motivations I’ve ever read, low price is never the primary motivation. Yes, it’s important. And, when everything else is equal, it will be the deciding factor. But very rarely is everything else equal. And very few people in this world buy only on the basis of low price. How many of you are driving used Yugos? Or wearing a suit you bought at a garage sale? Or watching an 8-inch black & white TV?
You’ve got the picture. You don’t always buy on the basis of low price, so why should you think that all your customers do?
The truth is, they don’t. And here’s a secret that almost nobody knows, including all those gurus telling you to sell value. They don’t always buy the best value. But, they can invariably be counted on to buy the lowest risk!
The biggest issue in the minds of your customers and prospects is not price, and it’s not value – it is risk.
What’s risk?
Risk is the potential cost to the individual customer if he/she makes a mistake. It’s not just the money, although that is part of it. It is also the social, psychological and emotional cost that your customer will pay if your choice isn’t the best one. The lower the risk of the decision, the more likely your customer will say “yes” to you – regardless of the price.
Let’s become comfortable with this concept of risk first, and then discuss how to use it in your sales efforts.
In order to really understand risk, you must first see this issue from your customers’ perspective. Try to put yourself in their shoes, and calculate the amount of risk that you expect your customers to take when you offer them an opportunity to say “yes” to you.
Here’s an illustration to help you understand this concept. Imagine that you are under orders by your spouse to pick up a package of disposable cups on the way home from work today because you’re having friends over for a casual evening of dessert and drinks tonight. You stop at the local grocery store, and make a selection between brand A and brand B. You pick brand A.
After you bring the cups home, your spouse mixes up a pitcher of margaritas and pours one. The drink leaks out of the bottom of the cup and puddles on the counter. There is a hole in the bottom of the cup. You pour your drink into another cup and it leaks, too. In fact, every one of the cups you bought is defective.
What happens to you in this instant in time? What is the consequence of your decision? I don’t know about you, but I would be the recipient of some negative emotion. My spouse would be upset with me. That may be the most painful cost of your decision. But there are other costs.
You’re going to have to fix the problem. If there’s time, you’ll have to run back to the store and replace the cups. So, in addition to the emotional cost, you must also pay in terms of extra time and additional money. All because of your bad decision. Those costs — negative emotions, time wasted, extra money spent — all combine to form the risk you accepted when you made your decision.
Here’s a simple exercise to help you understand this concept. Draw a short vertical line. At the top of the line, write the number 25. At the bottom, write a zero. Now on a scale of 0 – 25, where would you put the risk of buying a package of disposable cups? You’d probably say it is close to zero. So, put an X on the line from 0 to 25 where you think the risk of buying those cups would be.
Let’s look at an illustration at the other end of the scale. I once had an adoption agency as a client. When a young lady is in a crisis pregnancy, and she’s making a decision as to whether or not to release her unborn child for adoption, how big a risk is that for her? Put your X on the line that represents your assessment of that risk.
Most people put their mark around 25. The risk in this situation is a lifetime of consequences for at least four people – the mother, child and adoptive parents. That’s a very high risk.
Compare the X’s for the two different decisions, and you’ll conclude that different decisions carry with them differing degrees of risk.
Now, let’s apply this concept to your customers. Remember that every time you ask your prospects to say yes to you, they are accepting some risk. And each of those decisions you ask of them carries with it a different degree of risk.
Imagine your typical customer. Then think of the typical offer or decision you ask of that person. For example, take one of your newer products. Imagine you are presenting it to your customer for the first time. Now, put yourself in his shoes, and see the situation through his eyes. On the 0 – 25 scale, how much risk does your customer accept when he says “yes” to you?
For an easy way of calculating it, just ask yourself what happens to that individual if you, or your company, messes up.
If your customer buys that product and it doesn’t do what you claim it will, what trouble will that make for your customer? What consequences will he/she pay? What is the risk?
And don’t say that there is no risk because you’ll take care of any problem that might develop. You may think that, but your customer doesn’t know that. And remember, you’re trying to see this from your customer’s point of view, not yours. The amount of risk is what your customer perceives it to be.
I had a great example of the role of risk in sales several years ago. A young man approached me to help his company with their sales efforts. They were selling a product that was, at the time, a real state-of-the-art breakthrough. The company designed computerized controls that were retrofitted on production equipment. As a result of the use of these controls, the savings in energy consumption would pay for the cost of the equipment in less than a year.
It looked like a great product. But he couldn’t sell them as rapidly as the company wanted.
“Tell me how you go about selling them” I asked.
“We qualify our prospects to the point where we know we have someone who could use the equipment. Then I call the production engineer or the plant manager on the phone, and gather some information about the type of equipment they use. Then I create a written proposal showing the economic payback, and mail it to him. Next I call and try to close the sale.”
“Let me see if I understand correctly,” I said.
“You are calling a plant manager on the phone. I would guess that most plant managers are men in their 50’s, probably with advanced degrees, and who have been in the plant for a number of years, is that right?”
“That’s right.”
“OK,” I said. “So, you’re calling someone twice your age, asking him to spend $20,000 – $30,000 of unbudgeted money on equipment he’s never seen, from a company he’s never heard of, and from a sales person half his age who he’s never met. Is that right?”
My client became a little defensive. “If you put it that way, I suppose it’s right.”
“Well put it that way,” I replied, “because that’s the way he sees it.”
The problem was simple – risk. On that scale of 0 – 25, how much risk would you think the plant manager would be accepting if he said “Yes” to the over-the-phone offer?
Put yourself in his shoes. Suppose the equipment didn’t work the way it was supposed to? He could shut down production lines, spend weeks trying to make things right, cause all sorts of havoc in the plant, and potentially even lose his job. Now that’s risk.
If you were that plant manager, how much more than the original $20,000 quote would you spend to reduce the risk? It wouldn’t be hard to justify a price double that.
That should give you a clue as to how to fight the “low price” issue. Worry less about low price, and more about lowering the risk.
Here are four strategies to do so.
1. Build solid, deep relationships with the key decision-makers. Relationships mitigate risk. The greater the relationship, the lower the perceived risk. That’s why the salesman with the longer relationship almost always has the benefit of the doubt in a competitive situation. It’s not the price – it is the risk.
2. Make ample use of third party recommendations, customer lists, case studies and testimonials. All of these say to the customer that someone else (or lots of someone else’s) has used the product or service. That means it’s less risk for your customer to buy it.
3. Try to get your customer as physically involved with the product as possible. For example, if you’re selling a piece of equipment, try to get the customer to trial the equipment, or at least visit somewhere it’s being used. The more your customer can see and feel the actual thing, the less risk is it to them.
4. Finally, work with your company to create offers that reduce the risk. Trial periods, money-back guarantees, delayed billing, warranties, service desks – all of these reduce your customer’s perception of risk.
The winners in the competitive selling arena of the Information Age are those who are the low risk providers, not the low price people.
Copyright MMX by Dave Kahle
All Rights Reserved
Source: http://www.commence.com/blog/2017/07/28/how-can-i-sell-when-im-not-the-lowest-price/
from Commence CRM https://commencecrm1.wordpress.com/2017/07/28/how-can-i-sell-when-im-not-the-lowest-price/
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