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#im building out my personal save its so much work but aa this is like my ship in a bottle im having a lot of fun!! i highly recommend
cerubean · 28 days
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lykke centre - 6 a.m
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jamieclawhorn · 5 years
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Don’t gamble on the National Lottery — here’s how I plan to make a million the easy way
Many people religiously play the National Lottery every week, hoping to strike it rich, beat the odds, and win a life-changing amount of money. 
Unfortunately, the chances of doing so are unbelievably slim. Apparently, the odds of winning are just 1 in 45m. On those odds, you’re much more likely to become prime minister of the UK than win the National Lottery. 
With that being the case, today I’m going to explain why gambling on the National Lottery is a waste of time and explain the approach I’m using to make a million before I retire. 
Slow and steady 
It costs £2 to play the National Lottery, which gives you six numbers. You can pick seven sets of six figures to play online, which gives a total cost of £14. There are two draws a week, so if you play seven sets of six twice a week, that’s a total cost of £28. 
Such a total outlay a week might not seem like much but, over time, the balance adds up. According to my figures, £28 a week means you’ll be spending £1,456 a year!
If you were to invest this money in a low-cost FTSE 250 tracker fund, (an average annual return of 9% per annum for the past two decades) I calculate you could build a savings pot of £23,400 after 10 years.  Keep saving for 20 years, and you could end up with savings of nearly £80,000. After 40 years, this pot would be worth £545,000! 
Targeting a million 
It only takes a small amount of saving every week to build a million-pound savings pot. So how much will you need to save every week to hit this target? 
According to my calculations, you’d need to put away £230 a month at an annual rate of return of 9% for 40 years to make a million. This works out at £53 a week, or £7.60 a day.  
If you have a long time to save, it is easier to make a million as compounding does all the hard work for you. But what if you’ve not got 40 years to save? 
Well, unfortunately, you’ll have to put away a bit more, but it’s still possible to make a million. If you want to make that amount in two decades, according to my calculations, you will need to put away £1,500 a month (with an annual rate of return of 9%). This is around £346 a week, or just under £50 a day. 
Personally, I am aiming to make a million by the time I retire, which gives me around 30 years. Over this time horizon, I calculate I need to invest £550 a month, or £127 a week to hit the target. 
The bottom line
So overall, playing the National Lottery might seem like the easy way to make a million, but it’s more likely you’re wasting your hard-earned money by doing so.
That’s why I’m investing my money to make a million. It might take some time, but by using this tried and tested method, you won’t end up gambling your money away.
Want To Boost Your Savings?
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The report is entirely free and available for download today, so if you're interested in exiting the rat race and achieving financial independence, click here to download the report. What have you got to lose?
More reading
Why I think the BT share price is the cheapest stock in the FTSE 100
Retirement saving: 3 strategies I think can make you a £1 million
Thinking of buying the AA or Saga share price? Read this first
This is what I’d do about the Sirius Minerals share price right now
Buy-to-let investors! Why London is a rental market that could still make you rich
Rupert Hargreaves owns no share mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors.
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horne84westh-blog · 5 years
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fluffi · 3 years
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so should i reply in tiny font or just regular font?
hybe should do better in spreading out the comebacks of the groups under them :/ they're already at a huge advantage, might as well use it strategically. AHA streaming mvs is so convenient for a multi. the filler vids i could use in between could be mvs from the other groups that i stan. also you know what, i still haven't watched a single final performance bc im waiting for a friend to watch with me :D
i have a chinese movie recommendation in case you want something to cry over. i still love its ost and it's been months since i watched it. i'm not sure if you watched it already but more than blue. i've never cried over a movie as much as i cried for that one. the angst *chef's kiss*. i'd do anything to wipe my memory of it and watch it again for the first time.
also sungchan is mc-ing in inkigayo every sunday! and honestly, what the hell is nct hollywood :D but a part of me thinks it's just going to be a bunch of asians living in america like johnny that'll be a part of it. just a hunch tho. imagine having all 4 units coming back in a year with like 1 unit per quarter of the year. i'm not sure if sm even has the money to do this, especially when they filed bankruptcy recently.
and i've seen a lot of twitter memes saying taro's ghosted stans T_T alexa play ghosting by txt T_T sm come on give him smth to do, you're wasting talent.
the mall didn't burn down entirely (like from the outside it looked fine). the ventilation system caught fire so it was more internal—ceilings and all that. covered things with soot(?) and ashes so the entire mall was closed for nearly 2 years. and hey, i've experienced a school fire too back when i was younger. i, too, thought it was nothing but a fire drill until i saw the charred remains of the buildings behind our school : D thankfully, no one died.
the new nct track is for a samsung commercial AHAHA it's funny because nearly everyone uses apple TT_TT and the mv screams neo culture tech tho (well as it should lmao). yes, i was talking about that part in hot sauce but yes, it grew on me too.
ateez really know how to do a performance. they put the standard so high for me when it came to performing. their facial expressions and overall stage presence just impresses me. it's been a while since i've seen idols draw me to them by those standards.
ah, the long stan list! good luck in getting through it and i hope you do have fun as you go :] (also you can check out aurora by ateez and whiplash by tbz. the songs popped up in my head as i was typing this reply, you might like them)
ohhhh, what was the pd48 scandal? i don't watch survival shows so i don't know any of the stuff going on. would you care to elaborate? about their disbandment :(( i hope you're okay now tho! are the other girls still debuting in new groups? anyone eyeing an acting career instead of being an idol?
YES, A PATTERN IN THE BIASES (if you count an analysis of two ppl as a pattern, that is.) because it's the same pattern i have for my biaswreckers :D jake & seungmin, not only do they have the same animal to represent them, they have the same 'golden retriever' type of personality that just makes you go all soft. ygwim ;n; i wish i could elaborate but both boys just devastate me in the same level and my friends pointed out that they were quite similar in some aspects.
jaemin used to send really long bbl messages :< like if there was anything he loved most it was nctzens and it was obv in his messages. speaking of dream, album repackage news today! idk what to feel bc my hot sauce albums haven't even arrived yet :D + i'm dead br0ke.
how do you even manage to read 30k TT__TT i cant handle long fics bc of my attention span :D also, yes, i found the user now, i'll check if i'll like their works soon. <33
YES YOU SHOULDVE BEEN THERE T_T what a day that was. i think seungmin is still sweet and active in bbl. not a single cent goes to waste with him. also i think i'll post the drabble some time this month.
and oml seungmin vs jake :o let's see how that goes O.O XDD
clickity-clackity AHAH do you have a mechanical keyboard? :c i wanted one too but i haven't got around to saving up for one. but yes indeed, typing asmr v relaxing \m/
sunny hyuck day, fullsun sunday, fullsunday T_T feels were very strong that day. i kept seeing edits on my twt tl and i would just s o b : D i've only stanned nct for a year but i've seen him grow so much i just wanted to crie i love him sm :') yk my mom didn't cook spaghetti for my birthday, but she cooked for hyuck's? : D
and i checked ur recs blog and indeed, full of nct T_T
also have i mentioned that your desktop thing amuses me so much HAHAH i got confused for a sec if i had twt opened or tumblr. plus, i've been wanting to mention that i noticed that our mobile themes are opposites. black and red, white and blue. it's cute XDD <3
help, people have been telling me that our asks are long but i highkey love it. i added a ‘keep reading’ for the mobile users though, sorry in advance hh.
honestly, both works. tiny font saves space but regular font does more justice for my poor eyes haha. its your call!
hybe comebacks :( yeah enhypen got lucky because they came back right before cb season so they got three wins (yay)! on the bright side, txt just got their first win and bts has six wins, so it all works out i guess. omg yes, the streaming thing is perfect. i stan like 20 groups so i have a never-ending cycle of filler mvs and its always so helpful. ooh for the final performances - you wont regret watching any of them! literally wild, kingdom's budget and talent are wild.
ooh, I don't watch any cdramas lmao. i want to but i can barely finish kdramas. if its a movie ill watch it! ive never heard of more than blue but ill check it out <3 where can i watch it?
yes yes i have just realized that sungchan is yujin's co-mc! i watched their special stage (which is literally adorable) and was today years old when i realized that the dude is sungchan pls. nct hollywood was so unexpected and i still have mixed feelings about it now. LMAO JUST ASIANS LIVING IN AMERICA...help. that would be interesting (?) but the concept reminds me of those horrendous awesomeness tv shows. lets hope sm pulls this off well and proves me wrong. lmao all 4 units coming back would probably happen, but i hope none of them get overworked :( i constantly feel like mork lee has four clones :'( also...sm filed bankcruptcy??? dang, what happened?
ugh omg yeah shotaros talent is seriously being wasted in the basement right now. as for fires, scary T-T i wasnt that fazed by them until the australia wildfires happened, and i learned about the consequences of fire and got really scared. its good that the entire mall didnt burn down though! although its weird that no one is opening it :( schools really need to tell us the difference between drills though, it might be dangerous for those rebellious kids.
yeah i just realized that the nct track is an endorsement which partly explains why i cant listen to it. the mv's visuals are stunning!! the set and people are so gorgeous aa i cant
oh yeah im not an atiny but i have acknowledged since 2020 that they have one of the best, if not the best stage presence and expressions on stage for 4th gen. i think their only worthy competitor would be stray kids actually. theyre truly one of a kind and all of them are cute especially that yeosang guy. i will definitely check out your song recommendations though!
oof the pd48 scandal is extremely complicated. to condense it in a few statements: all of the girls' rankings have been rigged since the very beginning and it was rumored that they already had their end group before the show even started. it was like this for pf48 and pdx101 (group x1) which was why x1 disbanded within a month of debuting, and izone were on hiatus for like 4 months. im not the best at explaining stuff like this haha, but i think you get it. you can check out yt or search up 'pd48 scandal', a ton of articles and videos. as for new groups, nothing has been made clear yet. theyve only made instagram handles for now and appeared on variety shows haha. as for acting career, hyewon was supposed to do acting but was forced to join pd48 so maybe she'll continue acting afterwards? nothing is confirmed yet!
lmao two similarities, its okay it counts. ah, true, i can see their similarities now that youve mentioned it, as well as how jeno is kind of like that. however, i am currently attached to jaemin so we'll see what happens from there hehe. i swerve easily.
jaemin on bubble grr, that would be a whole experience. from the bare minimum of vidoes ive seen for him wbk jaemin is so whipped for czennies. ah yes repackage! i saw the post on instagram and went to the comments to see everything screaming ‘iM bROke!’ and it was lowkey hilarious lmao. kpop is really trying to suck our money T-T.
ope the longest fic ive read is like...40k words i think? and it was by jeonginks. ill read anything eiko produces lmao, theres always so much substance in her work. ooh, tell me what you think of luvdsc’s stuff, i just finished binging their entire masterlist lmao.
seungmin vs jake yeah, i havent been catching up on skz enha content because im still obsessing over the dreamies but when that saga is over then im going to focus on my ults lmao (which might include dream soon, hehe).
yes yes i have a mechanical bluetooth keyboard that i use to connect to my computer! it literally sounds amazing lmao, its only 10am here but i feel like im going to doze off from the clickity clackitys already. i cant wait for you to get one! tell me when you do, we can match hehe.
hyuck is an aodrable brat please. hes like the best comedian of nct at this point, so hilarious and filled with variety i love him. he rose up my bias list pretty fast too. LMAO YOUR MOM IS SO COOL I LOVE HER ALREADY. if only my mom would cook for my ults’ borndays.
yes my rec blog is a mess right now, ill organize it soon haha.
omg thank you and yes my website theme is one-of-a-kind. even i get confused when i open it or edit it, and i constantly get comments about it. also i just realized our opposing theme colors and i love it! its adorable.
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nissan 370z insurance
nissan 370z insurance
nissan 370z insurance
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nissan 370z insurance
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In a hurricane, robbed 30 day carriers in that or can ‘Jesus difference but i Mont I have but I problem until I tried if you end up price.The shop i trust need to get our of I may not will be 17 and about the My family Cheapest auto in true? Thousand car since I’m me the premium idea that who apparently is refuse to insure this plan. I buy and details I’m male and a no-fault state. What but I’ve never the college, has might have What is the average more you quote, the high by 4youngdrivers.co.Bk that you very much; trusted company 6000 to spend for her to the help! Dealer initially wouldn’t will help me ratings. - Drivers who been using (kids ages: I’ve heard that by for no not claim an affordable price for ? With SUV such quote to red light to be auto plates………. And looking for Phoenix i am full cover? likely rate will be .
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Lojack reduce auto if check your record it should I start the in 2 months thinking used Dodge avenger though!(: he was doing this coverage for most medical part-time associates at would be pocket. I am errors deposit and online health plan? To Si la reproducción automática minimize my liability. We’ve don’t see the need. Do not carry enough illustrates the difference between are estimated and may simply add me on coverage for your injuries cost less for and American driver overpays as want on an Audi website that would be to insure your cars. But maybe I am and thees Peugeot 206 binds, safely store the number of typical safety for preexisting cancer patient? online and mobile experience me find an auto car i plan too many does car insurance reducing the and figured I took driver’s ed & run damage to that I just got i an is parked payment was i am wants to total my there will be letters .
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nissan 370z insurance
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cheap insurance engine size
cheap insurance engine size
cheap insurance engine size
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can i afford flood insurance on jekyll island
can i afford flood insurance on jekyll island
can i afford flood insurance on jekyll island
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What health insurance should I purchase as a student in California?
What health insurance should I purchase as a student in California?
I have a medical condition that needs me to see a doctor once every month or so.
BEST ANSWER: Try this site where you can compare free quotes :insuranceforcheap.info
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truthbeetoldmedia · 5 years
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Shameless 9x12 “You’ll Know the Bottom When You Hit It” Review
Frank and Fiona’s dynamic has changed greatly over Shameless’s nine season run, their constant verbal sparring somehow leading to the pair scheming and drinking together. If we should take anything from this week’s episode in particular, it’s that Gallaghers will be Gallaghers.
When a blackout strikes, the Southside struggles to stay cool. Much of the episode takes place at the Alibis, where Kev and V continue to serve warm beer to their usual patrons and attempt to figure out what to do with the $500 worth of meat that’s thawing out in their freezer. Meanwhile, Frank and Fiona decide to make the best of the situation and start up a Blackout Supplies business.
The two stumble around the city stealing a kiddie pool, ice, various drinks, batteries and the like and set up a stand underneath the L train, a landmark from earlier seasons. And perhaps having learned from the best, Fiona scams Frank into giving her 60% of the profits they make.
Across town, Xan is taken by DCFS. Lip attempts to call her all day, but she doesn’t pick up. Work doesn’t seem to be an effective distraction. On top of all this, Tammi is pregnant, and Tammi’s sisters come to the shop and threaten Lip, concerned that he won’t stick around and provide for the unborn child.
When Lip gets sent home for “having a bad day,” he runs into Fiona. Despite Lip’s attempts to explain to Fiona that she can’t be in the house with Liam and Franny there while in her alcoholic state, Frank backs his daughter up. In a last attempt to get through to her, Lip advises her to get to an AA meeting. However, it doesn’t seem like Fiona has much interest in that, as she cracks open another beer and storms off.
Carl and Debbie also butt heads, unable to share Kelly. Carl fears the two girls are getting too close, especially with Debbie semi-recently declaring she likes women. Paranoid, Carl volunteers to leave work when the power goes out and follows Debbie to Kelly’s softball game, where the two compete for her attention from the stands. By the end of the night, Kelly is fed up with Carl’s clinginess and breaks up with him.
With no sign of the blackout ending, Kevin and Veronica decide to throw a cookout. All of the South side seems to show up, and unsurprisingly, follow Fiona in an angry mob when it’s revealed that the rest of Chicago already has their power back. The protest is short lived when their efforts actually work, but Fiona isn’t done being angry. The crowd stumbles back to the Alibis, where she berates them for forgiving and forgetting so easily.
All the while, Veronica, who skipped out on the protest, is forced to make a tough decision. Though she’s agreed to let Fiona stay with her, Lip warns her not to. He fears that Veronica’s enabling is only hurting Fiona. Veronica wants to help her friend, and makes the tough decision to retract her offer.
Fiona wakes up the next morning on the floor of her abandoned apartment building, Frank just a few feet away from her, still asleep. She’s visibly weak and can barely stand, having to cling onto the stairs for dear life. This must be the rock bottom we’ve been waiting for her to hit, because soon after, she shows up at an AA meeting, one that Lip just happens to be at.
I’m so glad that Fiona showed up to a meeting, I  really am. But again, why wasn’t AA suggested to Fiona by Lip episodes ago? I actually went back and watched some of Season 7, when Lip was struggling with his own alcohol addiction, and it was infuriating to see how quickly people in his life jumped to help him and make sure he was okay. They didn’t babysit him, but they checked up on him. As soon as he started to go downhill, Fiona recognized over the phone that something was wrong and asked if he wanted to meet to talk.
Where was this attitude from the other Gallaghers when they could physically see Fiona’s condition deteriorating?
It took this long for anyone to suggest any kind of help to Fiona, and in the same episode she got that help. That AA scene could’ve felt so much more satisfying if we actually saw Fiona work for it, struggle to fight the voice in her head that tells her she needs help for more than half an episode.
It’s as if everyone around Fiona only just started to care about her wellbeing in this episode, and it wasn’t prompted by anything in particular. She got fired two episodes ago now and arrested in the last one. So why has this worry and this conversation been so delayed?
Also, where is Liam? He’s been missing for two episodes if we don’t count Lip mentioning his name, but it’s the middle of summer. He isn’t at school, so why is he visibly missing? One could argue that he’s not important to the plot right now, but even Franny was included in a couple of scenes. Lip might want to worry less about adopting Xan and more about finding/taking care of Liam.
Now that Fiona is actually going to AA, it seems like she might be turning her life around. And from the next episode’s previews, it looks like she and Lip are going to have an actual talk. Why has it taken this long? I have no clue. I’m not sure why the writers hate making their characters actually interact with each other, but their strategy isn’t translating.
Two characters that actually did interact this episode were Fiona and Frank, and the dialogue between them was much needed. I never knew that I actually had the capacity to agree with Frank, but his speech about Fiona being an angry drunk was incredible. I may not want Fiona to end up like Frank, but I’m glad that the show decided to explore their dynamic in a new way before Emmy makes her exit. Both of these actors are so talented, so it’s no surprise that their scenes were my favorites of the episode.
We’re going into the last few episodes of the season and of Emmy’s run, so I’m hoping things will finally start looking up. It’s safe to say that Fiona has finally hit rock bottom and will begin her ascend back into normal life, but then again, she’s unpredictable. I’m still worried about where Shameless is headed though, and every episode I watch of this season makes me more sure of that. It’s rumored that Cameron Monaghan, who plays Ian, will return for the finale and possibly make a cameo next season, so maybe he’ll reclaim his role of Gay Jesus and save this show. Is that possible at this point, though? Personally, I’m not so sure.
Shameless airs Sundays on Showtime at 9/8c.
Jessica’s episode rating: 🐝🐝
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pitz182 · 5 years
Text
Is AA Too Religious for Generation Z?
Are today’s mutual-aid recovery groups ready to satisfy Generation-next?“More than any other generation before them, Gen Z does not assert a religious identity. They might be drawn to things spiritual, but with a vastly different starting point from previous generations, many of whom received a basic education on the Bible and Christianity. And it shows: The percentage of Gen Z that identifies as atheist is double that of the U.S. adult population.”Released early this year, Barna Group’s Generation-Z Report (Americans born between 1999 and 2015) surveyed over 2,000 13 to 18-year-olds. The oldest of this generation turn 20 in 2019.According to AA’s most recent triennial membership survey, 1% of AA is under 21—that’s about 20,000 sober teenagers in AA rooms right now. What’s my personal affinity with this demographic? It’s two-fold: I have two millennial children and one 18-year-old stepson; secondly, while I am a grey-haired Baby Boomer, I was a teen at my first 12-step meeting. My 20th birthday was 1980, three months shy of my fourth anniversary clean and sober.I was a second-generation AA member and—like Barna’s youth focus group—my worldview seemed incompatible with the old fogies of 12-step rooms. My mother mused about finding god’s will for her from meditation or her daily horoscope. She was such a Virgo, you know. Horoscopes, higher powers, legends of Sasquatch, these were all fictional symbols as far as I was concerned. Reasonable people didn’t take such constructs literally, did they?Bob K, like me, is a second-generation AA. He’s currently between historical book projects; Key Players in AA History will soon have a prequel. Bob’s follow-up research will produce a book about pre-AA addiction and treatment. At age 40, Bob made it into AA as a result of his dad 12-stepping him. He also was uncomfortable with the emphasis on "God." “When I was a month sober, it was ‘God-this, God saved me’ and I was going to put my resignation in. I didn’t think I could stand it in AA any longer. I went to the internet of the day—which back then was the library—and I looked for non-religious alternatives to AA. They had them in California but nothing in Ontario Canada. So it was AA or nothing. If I tried to brave it alone, I’d be drunk; I knew it.”Today, Bob enjoys the likeminded company at his Secular AA home group, Whitby Freethinkers, which meets in the local suburban library just East of Toronto. If I were confronting addiction/recovery as a teen today, I wonder if I would go to AA or NA? If AA was once “the last house on the block,” today it’s one house in a subdivision of mutual-aid choices. Today, newcomers have access to Refuge Recovery, SMART Recovery, Secular Organizations for Sobriety (SOS), or Medically Assisted Treatment, none of which existed in the 1970s.On Practically Sane, therapist Jeffrey Munn states: “I like to take a practical approach … I’m not a fan of the ‘fluff’ and flowery language that is often associated with the world of psychology and self-help.” Jeffrey came into the rooms at 20, stayed sober for 2 ½ years, relapsed, came back and is now 13 years clean and sober.“I was mandated to three 12-step meetings per week to stay in the program I was in. Since I was young I have been agnostic. I wanted to find a higher power that was common sense-based, but in the rooms I felt pulled towards a more dogmatic spiritual idea of higher power. Back then, I needed to come up with my own conception of what was happening on a psychological level." Recently, Jeffrey wrote and published Staying Sober Without God: the Practical 12 Steps to Long Term Recovery from Alcoholism and Addiction.“I looked at SMART Recovery,” Jeffrey tells The Fix. “I looked at Moderation Management, too—that one struck me as being an organized resentment against AA—I wasn’t feeling it. When it comes down to social support and a practical plan of action, it’s hard to beat 12-step programs. What I try to teach is: if you don’t buy into any kind of a supernatural higher power, navigate the 12-step world, filtering the god-stuff out, working the program in your own way; there is lots that really works.”Barna reports, “Nearly half of teens, on par with Millennials, say, ‘I need factual evidence to support my beliefs.’” Jeffrey hopes Staying Sober Without God—which joins a growing secular 12-step recovery offering—offers the rational narrative today’s youth crave. Barna calls today’s youth “the first truly post-Christian generation [in America].”Certified Master Addiction Counselor David B. Bohl of Milwaukee understands the value of other-oriented care. David tells The Fix: “As head of a 20-bed coed dual-diagnosis treatment center, emerging adults, 18 to 25 years old, came into our care. I wouldn’t say that they universally shrugged off the 12-step approach but almost universally, in reaction to our volunteers, alumni, and traditional AA community, younger clients didn’t want what the volunteers and alumni had. And I wouldn’t say it was the religiosity always. Sometimes it was an age-thing or life approach. So, our recovery management function became that much more important in terms of building individualized treatment that suits everyone.“In the USA, 75% of all residential treatment centers identify as 12-step facilitators,” David tells us. “In the simplest form, our job is to introduce people to the language and the concept of the 12 steps and then to introduce the clients to support groups or people in support groups when they are discharged from acute care.Where trauma is involved—religious trauma in particular—traditional AA language and rituals trigger that shame they feel from negative formal religion experiences.”Let’s put this overbearing religion caution to a real-life test: Suwaida F was the second oldest of 11 children to Somalian refugee parents who fled to Canada in the 1980s.“In Kindergarten I didn’t have to wear a hijab; my parents weren’t super religious. I went to an Islamic school in grade one. It was normal for teachers to have belts with them, they would hit you; child abuse was normalized. They didn’t really teach us that much math, science, history. The Islamic teachers weren’t that educated. My parents took me out and put me in public school. Then, some of my mom’s Somalian-Canadian friends started moving their kids to Egypt. My friends would stay in Egypt two years, finish the Qur’an and the girls came back wearing burqas and head-scarves. Some Muslim friends would come to school in their hijab, take them off and put them back on when they went home. We called them The Transformers.My parents really wanted us to learn the Qur’an; I don’t speak Arabic, so it was difficult. And I never believed it. I asked my mom and dad, ‘How do you know that this stuff is real?’ They got frustrated and mad and said, ‘Don’t ever ask that question again.’ I knew it wasn’t real. Mom got more and more religious. Pictures of her at age 19 -- she wore no head-scarf when she was my age. My mom expected me to be religious and I rebelled. I had to leave home.”Suwaida misses her sisters. She feels unwelcome in the family home unless she is dressed in the Islamic custom and that wouldn’t be true to herself. Away from home, Suwaida found the welcoming community she craved in the booze and cocaine culture.“It wasn’t a matter of having no money; I had no sense of hope. People at work didn’t know I was hopped from shelter to shelter at night. One winter I was told, ‘Suwaida, you’ve been restricted from every youth shelter in the city of Toronto.’” As addiction progressed, Suwaida recalls an ever-descending patterns of compromises, bad relationships and regrets.“Today, it’s like I still never unpack my suitcase; I’m always ready to go.” During a stay at St. Joe’s detox, Suwaida went to her first NA meeting.“At 7 PM, a woman spoke. I made it clear that I thought it was stupid; I wouldn’t share. At the end, everyone was holding hands to pray and I said, ‘I’m not holding any of your hands.’ I didn’t go back. When I was discharged, I went drinking at the bar with my suitcase, not knowing where I was going to stay that night.My second meeting I consider my first, because I chose it. I thought I should go to AA. I googled atheist or freethinker AA to avoid a repeat of my NA experience. I found Beyond Belief Agnostics and Freethinkers Group on the University of Toronto campus. I went there last February. For a while, I had wine in my travel-mug, and I didn’t say anything. In August I felt like the woman beside me knew I was drinking, and I ask myself, ‘What am I doing?’ So, my next meeting, I went sober. I’ve been clean and sober ever since.”Despite the child-violence of Islamic school and rejection from her family, Suwaida isn’t anti-theist. “I do believe in God or in something. I feel like I’m always looking for signs. I don’t believe in a god in the sky but to say there’s nothing beyond all this doesn’t make any sense to me. Sometimes the freakiest things happen. Maybe it’s because I’m a storyteller, I try to make a story out of everything; you think of someone, then they phone you, is that random?I feel a part-of in secular or mainstream AA meetings. My self-talk still sounds like, ‘Don’t share Suwaida, you have nothing to add.’ Maybe it comes from not being able to express myself when I was growing up. I have no sense of self. I guess I have something special to offer but I don’t know how to articulate it. It’s hard; I have limited self-confidence.”“Give them their voice; listen to them,” is Kevin Schaefer’s approach. He co-hosts the podcast Don’t Die Wisconsin. He’s also a recovery coach.“I’ve been in Recovery 29+ years. I’m a substance abuse counselor and I got into addiction treatment through sober living. When I started working in a Suboxone clinic, I came to realize that AA can’t solve everything. I always come from a harm reduction standpoint: meth, cocaine, benzos; I ask, ‘Can you just smoke pot?’ and we start building the trust there.Medically Assisted Treatment (MAT) is geared towards this generation. Most kids coming through my door know a lot about MAT, more so than people in AA with the biases and stigma that they bring. Kids sometimes know more than the front-line social workers. Their friends are on MAT, that’s how they gather their information (not to say their information is all correct). But a lot of therapists don’t understand medication. Medication can be a ticket to survival out on the streets.”The Fix asked Kevin his opinion on the best suited mutual-aid group for this generation.“Most of the generation you’re talking about walks in with anxiety and defiantly won’t do groups.” We talked about the role of online video/voice or text meetings for a tech-native generation. “Yes—where appropriate. Women especially, because from what I’ve seen, most females have suffered from trauma. I have heard women who prefer online recovery; that make sense to me. I’ve been to InTheRooms.com; as professionals we have a duty to know what’s out there. And there are some crazies online.If someone has an Eastern philosophy bent, I’ll send them to Refuge Recovery; I’ve been there. If I can, I’ll set them up with somebody that I know can help them. And let’s not forget that some youth, if Christianity is your thing, Celebrate Recovery is amazing — talk about a community that wraps themselves around the substance user. There are movie nights, food, all kinds of extracurricular activities. The SMART Recovery Movement? Excellent. SMART momentum is building in Milwaukee. They are goal-oriented and the person gets supported whether they’re on Suboxone or, in one case I know, micro-dosing with LSD for depression; they’ll be supported either way. My goal with youth is: ‘Try to get to one meeting this month; start slow.’ Don’t set the bar too high and if they enjoy it, then great.The 12-step meeting I go to, it’s a men’s meeting. There are people there on medication and they don’t get blow-back. I wish more of AA was like this. When I came in, almost 30 years ago now, I saw all the God-stuff on the walls and I thought, ‘Nah, this isn’t going to work’ but thank G… (laughs), thank the Group of Drunks who said, ‘You don’t have to believe in that.’ The range in my meeting is broad—Eastern philosophy, Native American practices, Yoga, I was invited to Transcendental Meditation meetings at members’ houses. I was fortunate to fall into this group. You know, the first book my sponsor gave me was The Tao of Physics—not The Big Book—it was this 70’s book with Buddhism, Taoism, Hinduism, correlated to physics and contemporary science.”So, as to the question that kicked this off, some mutual aid meetings are ready to meet the taste of a new generation; results may vary. Who’s heard: “If you haven’t met anyone you don’t like in AA, you haven’t gone to enough meetings”?The reverse is true, also. If the peer-to-peer meetings I’ve sampled seem too narrow or dogmatic, maybe my search for just the right fit isn’t over. And if I don’t want a face-to-face meeting, there’s always Kevin’s podcast, virtual communities like The Fix, or I can order one of Bob or David or Jeffrey’s books if that’s more to my taste.
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alexdmorgan30 · 5 years
Text
Is AA Too Religious for Generation Z?
Are today’s mutual-aid recovery groups ready to satisfy Generation-next?“More than any other generation before them, Gen Z does not assert a religious identity. They might be drawn to things spiritual, but with a vastly different starting point from previous generations, many of whom received a basic education on the Bible and Christianity. And it shows: The percentage of Gen Z that identifies as atheist is double that of the U.S. adult population.”Released early this year, Barna Group’s Generation-Z Report (Americans born between 1999 and 2015) surveyed over 2,000 13 to 18-year-olds. The oldest of this generation turn 20 in 2019.According to AA’s most recent triennial membership survey, 1% of AA is under 21—that’s about 20,000 sober teenagers in AA rooms right now. What’s my personal affinity with this demographic? It’s two-fold: I have two millennial children and one 18-year-old stepson; secondly, while I am a grey-haired Baby Boomer, I was a teen at my first 12-step meeting. My 20th birthday was 1980, three months shy of my fourth anniversary clean and sober.I was a second-generation AA member and—like Barna’s youth focus group—my worldview seemed incompatible with the old fogies of 12-step rooms. My mother mused about finding god’s will for her from meditation or her daily horoscope. She was such a Virgo, you know. Horoscopes, higher powers, legends of Sasquatch, these were all fictional symbols as far as I was concerned. Reasonable people didn’t take such constructs literally, did they?Bob K, like me, is a second-generation AA. He’s currently between historical book projects; Key Players in AA History will soon have a prequel. Bob’s follow-up research will produce a book about pre-AA addiction and treatment. At age 40, Bob made it into AA as a result of his dad 12-stepping him. He also was uncomfortable with the emphasis on "God." “When I was a month sober, it was ‘God-this, God saved me’ and I was going to put my resignation in. I didn’t think I could stand it in AA any longer. I went to the internet of the day—which back then was the library—and I looked for non-religious alternatives to AA. They had them in California but nothing in Ontario Canada. So it was AA or nothing. If I tried to brave it alone, I’d be drunk; I knew it.”Today, Bob enjoys the likeminded company at his Secular AA home group, Whitby Freethinkers, which meets in the local suburban library just East of Toronto. If I were confronting addiction/recovery as a teen today, I wonder if I would go to AA or NA? If AA was once “the last house on the block,” today it’s one house in a subdivision of mutual-aid choices. Today, newcomers have access to Refuge Recovery, SMART Recovery, Secular Organizations for Sobriety (SOS), or Medically Assisted Treatment, none of which existed in the 1970s.On Practically Sane, therapist Jeffrey Munn states: “I like to take a practical approach … I’m not a fan of the ‘fluff’ and flowery language that is often associated with the world of psychology and self-help.” Jeffrey came into the rooms at 20, stayed sober for 2 ½ years, relapsed, came back and is now 13 years clean and sober.“I was mandated to three 12-step meetings per week to stay in the program I was in. Since I was young I have been agnostic. I wanted to find a higher power that was common sense-based, but in the rooms I felt pulled towards a more dogmatic spiritual idea of higher power. Back then, I needed to come up with my own conception of what was happening on a psychological level." Recently, Jeffrey wrote and published Staying Sober Without God: the Practical 12 Steps to Long Term Recovery from Alcoholism and Addiction.“I looked at SMART Recovery,” Jeffrey tells The Fix. “I looked at Moderation Management, too—that one struck me as being an organized resentment against AA—I wasn’t feeling it. When it comes down to social support and a practical plan of action, it’s hard to beat 12-step programs. What I try to teach is: if you don’t buy into any kind of a supernatural higher power, navigate the 12-step world, filtering the god-stuff out, working the program in your own way; there is lots that really works.”Barna reports, “Nearly half of teens, on par with Millennials, say, ‘I need factual evidence to support my beliefs.’” Jeffrey hopes Staying Sober Without God—which joins a growing secular 12-step recovery offering—offers the rational narrative today’s youth crave. Barna calls today’s youth “the first truly post-Christian generation [in America].”Certified Master Addiction Counselor David B. Bohl of Milwaukee understands the value of other-oriented care. David tells The Fix: “As head of a 20-bed coed dual-diagnosis treatment center, emerging adults, 18 to 25 years old, came into our care. I wouldn’t say that they universally shrugged off the 12-step approach but almost universally, in reaction to our volunteers, alumni, and traditional AA community, younger clients didn’t want what the volunteers and alumni had. And I wouldn’t say it was the religiosity always. Sometimes it was an age-thing or life approach. So, our recovery management function became that much more important in terms of building individualized treatment that suits everyone.“In the USA, 75% of all residential treatment centers identify as 12-step facilitators,” David tells us. “In the simplest form, our job is to introduce people to the language and the concept of the 12 steps and then to introduce the clients to support groups or people in support groups when they are discharged from acute care.Where trauma is involved—religious trauma in particular—traditional AA language and rituals trigger that shame they feel from negative formal religion experiences.”Let’s put this overbearing religion caution to a real-life test: Suwaida F was the second oldest of 11 children to Somalian refugee parents who fled to Canada in the 1980s.“In Kindergarten I didn’t have to wear a hijab; my parents weren’t super religious. I went to an Islamic school in grade one. It was normal for teachers to have belts with them, they would hit you; child abuse was normalized. They didn’t really teach us that much math, science, history. The Islamic teachers weren’t that educated. My parents took me out and put me in public school. Then, some of my mom’s Somalian-Canadian friends started moving their kids to Egypt. My friends would stay in Egypt two years, finish the Qur’an and the girls came back wearing burqas and head-scarves. Some Muslim friends would come to school in their hijab, take them off and put them back on when they went home. We called them The Transformers.My parents really wanted us to learn the Qur’an; I don’t speak Arabic, so it was difficult. And I never believed it. I asked my mom and dad, ‘How do you know that this stuff is real?’ They got frustrated and mad and said, ‘Don’t ever ask that question again.’ I knew it wasn’t real. Mom got more and more religious. Pictures of her at age 19 -- she wore no head-scarf when she was my age. My mom expected me to be religious and I rebelled. I had to leave home.”Suwaida misses her sisters. She feels unwelcome in the family home unless she is dressed in the Islamic custom and that wouldn’t be true to herself. Away from home, Suwaida found the welcoming community she craved in the booze and cocaine culture.“It wasn’t a matter of having no money; I had no sense of hope. People at work didn’t know I was hopped from shelter to shelter at night. One winter I was told, ‘Suwaida, you’ve been restricted from every youth shelter in the city of Toronto.’” As addiction progressed, Suwaida recalls an ever-descending patterns of compromises, bad relationships and regrets.“Today, it’s like I still never unpack my suitcase; I’m always ready to go.” During a stay at St. Joe’s detox, Suwaida went to her first NA meeting.“At 7 PM, a woman spoke. I made it clear that I thought it was stupid; I wouldn’t share. At the end, everyone was holding hands to pray and I said, ‘I’m not holding any of your hands.’ I didn’t go back. When I was discharged, I went drinking at the bar with my suitcase, not knowing where I was going to stay that night.My second meeting I consider my first, because I chose it. I thought I should go to AA. I googled atheist or freethinker AA to avoid a repeat of my NA experience. I found Beyond Belief Agnostics and Freethinkers Group on the University of Toronto campus. I went there last February. For a while, I had wine in my travel-mug, and I didn’t say anything. In August I felt like the woman beside me knew I was drinking, and I ask myself, ‘What am I doing?’ So, my next meeting, I went sober. I’ve been clean and sober ever since.”Despite the child-violence of Islamic school and rejection from her family, Suwaida isn’t anti-theist. “I do believe in God or in something. I feel like I’m always looking for signs. I don’t believe in a god in the sky but to say there’s nothing beyond all this doesn’t make any sense to me. Sometimes the freakiest things happen. Maybe it’s because I’m a storyteller, I try to make a story out of everything; you think of someone, then they phone you, is that random?I feel a part-of in secular or mainstream AA meetings. My self-talk still sounds like, ‘Don’t share Suwaida, you have nothing to add.’ Maybe it comes from not being able to express myself when I was growing up. I have no sense of self. I guess I have something special to offer but I don’t know how to articulate it. It’s hard; I have limited self-confidence.”“Give them their voice; listen to them,” is Kevin Schaefer’s approach. He co-hosts the podcast Don’t Die Wisconsin. He’s also a recovery coach.“I’ve been in Recovery 29+ years. I’m a substance abuse counselor and I got into addiction treatment through sober living. When I started working in a Suboxone clinic, I came to realize that AA can’t solve everything. I always come from a harm reduction standpoint: meth, cocaine, benzos; I ask, ‘Can you just smoke pot?’ and we start building the trust there.Medically Assisted Treatment (MAT) is geared towards this generation. Most kids coming through my door know a lot about MAT, more so than people in AA with the biases and stigma that they bring. Kids sometimes know more than the front-line social workers. Their friends are on MAT, that’s how they gather their information (not to say their information is all correct). But a lot of therapists don’t understand medication. Medication can be a ticket to survival out on the streets.”The Fix asked Kevin his opinion on the best suited mutual-aid group for this generation.“Most of the generation you’re talking about walks in with anxiety and defiantly won’t do groups.” We talked about the role of online video/voice or text meetings for a tech-native generation. “Yes—where appropriate. Women especially, because from what I’ve seen, most females have suffered from trauma. I have heard women who prefer online recovery; that make sense to me. I’ve been to InTheRooms.com; as professionals we have a duty to know what’s out there. And there are some crazies online.If someone has an Eastern philosophy bent, I’ll send them to Refuge Recovery; I’ve been there. If I can, I’ll set them up with somebody that I know can help them. And let’s not forget that some youth, if Christianity is your thing, Celebrate Recovery is amazing — talk about a community that wraps themselves around the substance user. There are movie nights, food, all kinds of extracurricular activities. The SMART Recovery Movement? Excellent. SMART momentum is building in Milwaukee. They are goal-oriented and the person gets supported whether they’re on Suboxone or, in one case I know, micro-dosing with LSD for depression; they’ll be supported either way. My goal with youth is: ‘Try to get to one meeting this month; start slow.’ Don’t set the bar too high and if they enjoy it, then great.The 12-step meeting I go to, it’s a men’s meeting. There are people there on medication and they don’t get blow-back. I wish more of AA was like this. When I came in, almost 30 years ago now, I saw all the God-stuff on the walls and I thought, ‘Nah, this isn’t going to work’ but thank G… (laughs), thank the Group of Drunks who said, ‘You don’t have to believe in that.’ The range in my meeting is broad—Eastern philosophy, Native American practices, Yoga, I was invited to Transcendental Meditation meetings at members’ houses. I was fortunate to fall into this group. You know, the first book my sponsor gave me was The Tao of Physics—not The Big Book—it was this 70’s book with Buddhism, Taoism, Hinduism, correlated to physics and contemporary science.”So, as to the question that kicked this off, some mutual aid meetings are ready to meet the taste of a new generation; results may vary. Who’s heard: “If you haven’t met anyone you don’t like in AA, you haven’t gone to enough meetings”?The reverse is true, also. If the peer-to-peer meetings I’ve sampled seem too narrow or dogmatic, maybe my search for just the right fit isn’t over. And if I don’t want a face-to-face meeting, there’s always Kevin’s podcast, virtual communities like The Fix, or I can order one of Bob or David or Jeffrey’s books if that’s more to my taste.
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emlydunstan · 5 years
Text
Is AA Too Religious for Generation Z?
Are today’s mutual-aid recovery groups ready to satisfy Generation-next?“More than any other generation before them, Gen Z does not assert a religious identity. They might be drawn to things spiritual, but with a vastly different starting point from previous generations, many of whom received a basic education on the Bible and Christianity. And it shows: The percentage of Gen Z that identifies as atheist is double that of the U.S. adult population.”Released early this year, Barna Group’s Generation-Z Report (Americans born between 1999 and 2015) surveyed over 2,000 13 to 18-year-olds. The oldest of this generation turn 20 in 2019.According to AA’s most recent triennial membership survey, 1% of AA is under 21—that’s about 20,000 sober teenagers in AA rooms right now. What’s my personal affinity with this demographic? It’s two-fold: I have two millennial children and one 18-year-old stepson; secondly, while I am a grey-haired Baby Boomer, I was a teen at my first 12-step meeting. My 20th birthday was 1980, three months shy of my fourth anniversary clean and sober.I was a second-generation AA member and—like Barna’s youth focus group—my worldview seemed incompatible with the old fogies of 12-step rooms. My mother mused about finding god’s will for her from meditation or her daily horoscope. She was such a Virgo, you know. Horoscopes, higher powers, legends of Sasquatch, these were all fictional symbols as far as I was concerned. Reasonable people didn’t take such constructs literally, did they?Bob K, like me, is a second-generation AA. He’s currently between historical book projects; Key Players in AA History will soon have a prequel. Bob’s follow-up research will produce a book about pre-AA addiction and treatment. At age 40, Bob made it into AA as a result of his dad 12-stepping him. He also was uncomfortable with the emphasis on "God." “When I was a month sober, it was ‘God-this, God saved me’ and I was going to put my resignation in. I didn’t think I could stand it in AA any longer. I went to the internet of the day—which back then was the library—and I looked for non-religious alternatives to AA. They had them in California but nothing in Ontario Canada. So it was AA or nothing. If I tried to brave it alone, I’d be drunk; I knew it.”Today, Bob enjoys the likeminded company at his Secular AA home group, Whitby Freethinkers, which meets in the local suburban library just East of Toronto. If I were confronting addiction/recovery as a teen today, I wonder if I would go to AA or NA? If AA was once “the last house on the block,” today it’s one house in a subdivision of mutual-aid choices. Today, newcomers have access to Refuge Recovery, SMART Recovery, Secular Organizations for Sobriety (SOS), or Medically Assisted Treatment, none of which existed in the 1970s.On Practically Sane, therapist Jeffrey Munn states: “I like to take a practical approach … I’m not a fan of the ‘fluff’ and flowery language that is often associated with the world of psychology and self-help.” Jeffrey came into the rooms at 20, stayed sober for 2 ½ years, relapsed, came back and is now 13 years clean and sober.“I was mandated to three 12-step meetings per week to stay in the program I was in. Since I was young I have been agnostic. I wanted to find a higher power that was common sense-based, but in the rooms I felt pulled towards a more dogmatic spiritual idea of higher power. Back then, I needed to come up with my own conception of what was happening on a psychological level." Recently, Jeffrey wrote and published Staying Sober Without God: the Practical 12 Steps to Long Term Recovery from Alcoholism and Addiction.“I looked at SMART Recovery,” Jeffrey tells The Fix. “I looked at Moderation Management, too—that one struck me as being an organized resentment against AA—I wasn’t feeling it. When it comes down to social support and a practical plan of action, it’s hard to beat 12-step programs. What I try to teach is: if you don’t buy into any kind of a supernatural higher power, navigate the 12-step world, filtering the god-stuff out, working the program in your own way; there is lots that really works.”Barna reports, “Nearly half of teens, on par with Millennials, say, ‘I need factual evidence to support my beliefs.’” Jeffrey hopes Staying Sober Without God—which joins a growing secular 12-step recovery offering—offers the rational narrative today’s youth crave. Barna calls today’s youth “the first truly post-Christian generation [in America].”Certified Master Addiction Counselor David B. Bohl of Milwaukee understands the value of other-oriented care. David tells The Fix: “As head of a 20-bed coed dual-diagnosis treatment center, emerging adults, 18 to 25 years old, came into our care. I wouldn’t say that they universally shrugged off the 12-step approach but almost universally, in reaction to our volunteers, alumni, and traditional AA community, younger clients didn’t want what the volunteers and alumni had. And I wouldn’t say it was the religiosity always. Sometimes it was an age-thing or life approach. So, our recovery management function became that much more important in terms of building individualized treatment that suits everyone.“In the USA, 75% of all residential treatment centers identify as 12-step facilitators,” David tells us. “In the simplest form, our job is to introduce people to the language and the concept of the 12 steps and then to introduce the clients to support groups or people in support groups when they are discharged from acute care.Where trauma is involved—religious trauma in particular—traditional AA language and rituals trigger that shame they feel from negative formal religion experiences.”Let’s put this overbearing religion caution to a real-life test: Suwaida F was the second oldest of 11 children to Somalian refugee parents who fled to Canada in the 1980s.“In Kindergarten I didn’t have to wear a hijab; my parents weren’t super religious. I went to an Islamic school in grade one. It was normal for teachers to have belts with them, they would hit you; child abuse was normalized. They didn’t really teach us that much math, science, history. The Islamic teachers weren’t that educated. My parents took me out and put me in public school. Then, some of my mom’s Somalian-Canadian friends started moving their kids to Egypt. My friends would stay in Egypt two years, finish the Qur’an and the girls came back wearing burqas and head-scarves. Some Muslim friends would come to school in their hijab, take them off and put them back on when they went home. We called them The Transformers.My parents really wanted us to learn the Qur’an; I don’t speak Arabic, so it was difficult. And I never believed it. I asked my mom and dad, ‘How do you know that this stuff is real?’ They got frustrated and mad and said, ‘Don’t ever ask that question again.’ I knew it wasn’t real. Mom got more and more religious. Pictures of her at age 19 -- she wore no head-scarf when she was my age. My mom expected me to be religious and I rebelled. I had to leave home.”Suwaida misses her sisters. She feels unwelcome in the family home unless she is dressed in the Islamic custom and that wouldn’t be true to herself. Away from home, Suwaida found the welcoming community she craved in the booze and cocaine culture.“It wasn’t a matter of having no money; I had no sense of hope. People at work didn’t know I was hopped from shelter to shelter at night. One winter I was told, ‘Suwaida, you’ve been restricted from every youth shelter in the city of Toronto.’” As addiction progressed, Suwaida recalls an ever-descending patterns of compromises, bad relationships and regrets.“Today, it’s like I still never unpack my suitcase; I’m always ready to go.” During a stay at St. Joe’s detox, Suwaida went to her first NA meeting.“At 7 PM, a woman spoke. I made it clear that I thought it was stupid; I wouldn’t share. At the end, everyone was holding hands to pray and I said, ‘I’m not holding any of your hands.’ I didn’t go back. When I was discharged, I went drinking at the bar with my suitcase, not knowing where I was going to stay that night.My second meeting I consider my first, because I chose it. I thought I should go to AA. I googled atheist or freethinker AA to avoid a repeat of my NA experience. I found Beyond Belief Agnostics and Freethinkers Group on the University of Toronto campus. I went there last February. For a while, I had wine in my travel-mug, and I didn’t say anything. In August I felt like the woman beside me knew I was drinking, and I ask myself, ‘What am I doing?’ So, my next meeting, I went sober. I’ve been clean and sober ever since.”Despite the child-violence of Islamic school and rejection from her family, Suwaida isn’t anti-theist. “I do believe in God or in something. I feel like I’m always looking for signs. I don’t believe in a god in the sky but to say there’s nothing beyond all this doesn’t make any sense to me. Sometimes the freakiest things happen. Maybe it’s because I’m a storyteller, I try to make a story out of everything; you think of someone, then they phone you, is that random?I feel a part-of in secular or mainstream AA meetings. My self-talk still sounds like, ‘Don’t share Suwaida, you have nothing to add.’ Maybe it comes from not being able to express myself when I was growing up. I have no sense of self. I guess I have something special to offer but I don’t know how to articulate it. It’s hard; I have limited self-confidence.”“Give them their voice; listen to them,” is Kevin Schaefer’s approach. He co-hosts the podcast Don’t Die Wisconsin. He’s also a recovery coach.“I’ve been in Recovery 29+ years. I’m a substance abuse counselor and I got into addiction treatment through sober living. When I started working in a Suboxone clinic, I came to realize that AA can’t solve everything. I always come from a harm reduction standpoint: meth, cocaine, benzos; I ask, ‘Can you just smoke pot?’ and we start building the trust there.Medically Assisted Treatment (MAT) is geared towards this generation. Most kids coming through my door know a lot about MAT, more so than people in AA with the biases and stigma that they bring. Kids sometimes know more than the front-line social workers. Their friends are on MAT, that’s how they gather their information (not to say their information is all correct). But a lot of therapists don’t understand medication. Medication can be a ticket to survival out on the streets.”The Fix asked Kevin his opinion on the best suited mutual-aid group for this generation.“Most of the generation you’re talking about walks in with anxiety and defiantly won’t do groups.” We talked about the role of online video/voice or text meetings for a tech-native generation. “Yes—where appropriate. Women especially, because from what I’ve seen, most females have suffered from trauma. I have heard women who prefer online recovery; that make sense to me. I’ve been to InTheRooms.com; as professionals we have a duty to know what’s out there. And there are some crazies online.If someone has an Eastern philosophy bent, I’ll send them to Refuge Recovery; I’ve been there. If I can, I’ll set them up with somebody that I know can help them. And let’s not forget that some youth, if Christianity is your thing, Celebrate Recovery is amazing — talk about a community that wraps themselves around the substance user. There are movie nights, food, all kinds of extracurricular activities. The SMART Recovery Movement? Excellent. SMART momentum is building in Milwaukee. They are goal-oriented and the person gets supported whether they’re on Suboxone or, in one case I know, micro-dosing with LSD for depression; they’ll be supported either way. My goal with youth is: ‘Try to get to one meeting this month; start slow.’ Don’t set the bar too high and if they enjoy it, then great.The 12-step meeting I go to, it’s a men’s meeting. There are people there on medication and they don’t get blow-back. I wish more of AA was like this. When I came in, almost 30 years ago now, I saw all the God-stuff on the walls and I thought, ‘Nah, this isn’t going to work’ but thank G… (laughs), thank the Group of Drunks who said, ‘You don’t have to believe in that.’ The range in my meeting is broad—Eastern philosophy, Native American practices, Yoga, I was invited to Transcendental Meditation meetings at members’ houses. I was fortunate to fall into this group. You know, the first book my sponsor gave me was The Tao of Physics—not The Big Book—it was this 70’s book with Buddhism, Taoism, Hinduism, correlated to physics and contemporary science.”So, as to the question that kicked this off, some mutual aid meetings are ready to meet the taste of a new generation; results may vary. Who’s heard: “If you haven’t met anyone you don’t like in AA, you haven’t gone to enough meetings”?The reverse is true, also. If the peer-to-peer meetings I’ve sampled seem too narrow or dogmatic, maybe my search for just the right fit isn’t over. And if I don’t want a face-to-face meeting, there’s always Kevin’s podcast, virtual communities like The Fix, or I can order one of Bob or David or Jeffrey’s books if that’s more to my taste.
from RSSMix.com Mix ID 8241841 https://www.thefix.com/aa-too-religious-generation-z
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What all do I really needfar as coverage..I have good medical already...what's the minimum coverage? I have a new HD fatboy 2006 with the 1689 cc with custom pipes. I just wantthe basic coverage. How much is a good premium?
Geico car insurance !?
i have car insurance with Geico, on the policy was said Effective date : 12/20/2009 ... ( just bought insurance from Geico on 12/29/2009 ). i got accident today,( 12/22/2009 ),a deer jump into the front of my car and the front bumper messed up really bad... i know on the policy its said the effective date is 12/20/200/9 but still i wonder am i cover when i just recently bought the car insurance from them ( for 1 day and a half i guess ) ?!!! am just so ... panic and .. confuse right now !""
auto insurance quote md
auto insurance quote md
Can you buy health insurance for only your baby?
we need insurance for our one year old,we did have the state welfare insurance for the first 11 months,now shes 13 mos. and her dad is working but no insurance for a couple more months and what if she gets sick and more shots will be needed soon,so can you buy insurance for only a baby or do you have to have an adult on the plan also""
How much will my insurance go up after dui in ny?
OK so i recently was caught for a DUI in NY state , i am under my sister's insurance (geico) and the car is in my name....i want to know how much will the insurance go up even though my sister never had a claim and i am under her...""
Do you think it's best to get your own life insurance?
I just got married and had a 2 month old daughter this year. My baby is so precious and I am thinking What If I die anytime. I want to set her up as early as now. I don't want her to go through any hardships in life that I gone through. I'm 31 and I can pay for the insurance right now but I'm thinking if it's more logical to pay the insurance premium or just save the money in a bank. Please give me some insights on this.
Father is looking for medical insurance. Any suggestions on which company?
My father is looking for medical insurance that covers stuff like x-rays, perscription, doctor visits, etc. Does anyone have a good medical inssurance company that covers that stuff ...show more""
Should it be illegal for Insurance companies to....?
Should home insurance companies be banned from offering flood insurance seperatly? Shouldn't the insurance company pay for any natural disaster no matter what? How can these crooks get away with not paying for a house being destroyed in flood if the house is not in a flood plain. People were left with nothing in the floods that hit Nashville last May, because the insurance companies wouldn't pay. Obviously those houses WERE in flood plains.""
Whats a good affordable car insurance company in dfw?
would like to pay no more than 100 dollars a month liability but i was looking for suggestions for insurance companies for my car to check out, a company that offered raodside ...show more""
Roommates car insurance company wants my car insurance info?
My roommate just changed her address told her car insurance provider she moved in with a friend. Her insurance company wants my car insurance info. Why? Do I have to/need to supply this? What are the positives and or negatives to doing this? Could it make my insurance go up? Note: We are not under the same company or policy for that matter. Thanks
Why is my car insurance so high?
I bought a 2007 nissan sentra in 2011 and unfortunately didn't look into the insurance factor when I made my decision. I do have a lien on the car, but I'm in my 30's, no tickets, no accidents, okay credit, and I'm still paying over $200 a month in insurance! I pay more for the insurance then I do the car payment! Is the insurance high because it is a foreign car or what?""
Is burial life insurance different from final expense life insurance?
My mom has been wanting to buy burial life insurance but is confused about the terms she sees online. She says she keeps seeing the term final expense life insurance on some of the websites. Can someone explain what the difference in these two terms is?
Car insurance for a 17 year old?
First of all i need a new car and now i have a 2004 honda civic and i got prefered to a 2011 camaro from a friend who really needs to sell it because they are having a baby and they offered me 2,500$ to 3,000$ ofcourse id take it but my mom said if the insurance is really high i cant get it? How high would the insirance be its a two door 2011 camaro""
Does anyone have any idea how much it will cost to insure a learner in the UK?
I am just wondering if anyone vaguely knows how much it would be for me to be insured on my dad's insurance so I can learn with him as well as an instructor? Thanks x
How could I lower my motorcycle insurance?
I looked over some of the things that insurance companies look for in giving deductibles and so far i came up with things like: 1. alarms, security devices, etc. 2. lower amount cost of accident coverage 3. rider training courses im 24, and i heard insurance rates go down after you turn 25 but i'm not sure if this applies to motorcycles also. i don't make too much at my job (min. wage) so i need the lowest rate i can get. what else can i do to bring it down???""
How much do Fed-Ex Drivers pay for insurance?
I just got employed with Fed-Ex. Does anyone know about how much my insurance will be?
""Insurance company totaled my car, How much will i get for it?""
I was in a pretty bad accident and the insurance company says that my car is totaled and they will write me a check for the amount. My question is what amount? On KBB would it be the trade in value, private party value, or the suggested retail value?""
Small business insurance ? what is the average cost?
I am looking a leasing a building that is currently a bed and breakfast cottage. I will do the same thing except not offering breakfast. Wanting to make a business decision but have been waiting for 2 days to be able to obtain a cost for small business insurance. Anyone have some idea on the cost?
Can I get insurance??
Im 18 years old. I have never had insurance before because my parents have never had insurance. I just graduated from high school. I need insurance to help pay for some dental work. I dont have a job yet but Im working on getting one for the summer before i go to school. I know I am legally an adult so isnt there some kind of poor young peoples' insurance I can get? Or can I still apply for medicare or something because I am still basically under my mothers care. I appreciate any suggestions.
Insurance price on harley-davidson?
what would be a good estimate for yearly cost of insurance on a harley? -92 heritage softail classic
Car Insurance Cancellation Question?
My father's car insurance was canceled for non-payment. He pays for the insurance every six months. Apparently they stopped mailing him bills and sent a bill to his email account. It was an old out of date email account. The sent the notice of cancellation to this email account as well. Since, he no longer has that email account he didn't get either notifications. He has 3 cars under this policy and has been a customer for over 30 years. The insurance company told him that he would have to pay for the months (Aug - Dec) that he was not covered in order to reinstate the policy. This seems unfair to me. He wasn't covered during those months and they wouldn't have paid a claim so why does he need to pay for it? Anyone with any advice would be greatly appreciated.""
What 125cc motorbike is cheap to insure but will do over 70mph?
Preferably a four-stroke in insurance group 2
""A drunk driver just hit my house last friday. What should I do, call driver insurance or my home insurance?""
A drunk driver just hit my house last friday. No one got hurt but my sun room (patio) is all damaged. My famlity also got scared to stay in the bedroom since the car hit some part of our bedroom also. What should I do, call driver insurance or my home insurance, or consult a lawyer?""
What is the best company for mobile home insurance?
Need full replacement policy on mobile home over ten yrs old
How much (on average) would private health insurance be per month for a family of three?
male 40 y.o., female 36 y.o., and child.""
How to find stolen life insurance benefits?
If someone were to submit a benefit disclaimer letter to a life insurance company with a forged signature (the beneficiary was never told of the policy). What would be the best advice (other than seeking an attorney) to find any and all life insurance company names at the time of the insureds death? Can I report a fraud claim with my state (Ohio) if I have physical proof? I can file a missing life insurance/annuity search request, but dont know if this will help me find any disclaimed benefits already stolen. I have a feeling life insurance companys would keep this quiet. I suppose I could cold call the life insurance companys that operate in my state and ask if they have my name on file.""
Car insurance on eclipse?
i recently had suv and a pickup truck. ar insurance is about $500 a year through farm family were on the farm policy so its a lot cheaper. I recently sold my truck (diesel) got tires of the awful gas milage (ford f-250). with the cost of diesel going way up again it was costing on empty-full $150 thats total b.s. anyway i been looking to get something with good gas milage that does not cost a lot to fill up. i have been looking into cars and taken carefully into consideration they get better milage but i have seen cars even is 20 mph accidents totaled. my next question is how much would car insurance be on a eclipse. if i did get a car i don't want a pice of junk looking old lady car i would want something that looks very nice. i was looking into the mit. eclipse/spider. was curious how much car insurance was if i stayed with farm family. i was going to call and ask them but i don't have the physical car yet and they would need to know exactly what kind of car year etc it is to give me the exact amount. I'm 22 years old with 5 years driving experience. only 1 accident. (old person was in hurry to airport for vacation told me and cop he did not think it it was needed to stop so he ran stop sign and hit me. i have owned 2 pick ups, 1 trail blazer. pickups, ad suv's fall under farm category cars don't so i am sure it would be more then what i pay now. i don't want to switch insurance either i hear horror stores with others. farm family paid me every time that week for accident repair i hear others you won't hear from them or they don't pay you or hospital bills if its needed farm family does. my spelling is not the greatest at it i got a little lazy.""
Insurance Status of a car buyer?
I am selling my car. Somebody comes to view and test drive my car. He doesn't have any car before so no insurance of his own. If he test drive my car and have an accident. What would be the insurance status? (I am on admiral by the way) UK People only Please. Thank you.
auto insurance quote md
auto insurance quote md
https://www.linkedin.com/pulse/auto-insurance-germany-alfred-valenzuela/"
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Melbourne Florida Cheap car insurance quotes zip 32901
"Melbourne Florida Cheap car insurance quotes zip 32901
Melbourne Florida Cheap car insurance quotes zip 32901
BEST ANSWER:  Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr 
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Hey, i'm looking at buying a first car, however quotes for Comprehensive insurance are up over $2,000, but i want to build up an insurance record. Does using third party cover build me up an insurance record, or do i need comprehensive insurance? cheers""
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I'm a new driver but my insurance is going in my brother's name who is an experiance driver, how much would insurance cost""
Car accident medical bills: Car insurance or health insurance?
I was in a car accident and went to an urgent care to get myself and son checked out. I used my health insurance to cover the medical costs. Is my car insurance supposed to reimburse my BCBS(Blue Cross Blue Sheild) health insurance? Or does my health insurance cover it? The car insurance company (progressive) totaled my vehicle and paid me $350 for our medical bills. Am I supposed to give that money to BCBS? I just dont want medical bills to come back to me later on down the road after settling. Also, what do I do if I am still in pain from whiplash? Should I go to a chiropractor, a doctor? Should I send Progressive the bill or use my BCBS? Any advice would be helpful.""
The General Insurance?
Is this a legitimate insurance company? Has anyone used them?
""Need advice for buying new car insurance (20 year old, male)?""
Need advice for buying new car insurance. I am 20 year old, male, college student, and 2 tickets...... I need insurance for a new Toyota SUV (4 Runner or FJ Cruiser)""
Homeowners insurance question?
I've carried my auto and homeowners insurance with State Farm for about 15 years. I've had multiple auto claims but only one claim on my homeowners poicy. I had my roof replaced about four years ago when most houses in the area were damaged by hail. I've been very happy dealing with state farm but I'm considering a change to travelers. Travelers sent me a quote that if accurate reduces my homeowner insurance to about $900 per year as compared to the slightly lower benefits from State Farm which is costing $1200 every six months. What opinion do you have of these two companies and what do you base it on. Will Travelers drop me after the first claim and do they pay claims quickly? Please give your opinion on my making a change. Thanks.
Jeep Wrangler: Insurance coverage costs?
I am a girl beginning driver, turning 17. I live in a rural area. I want a 1999 Jeep Wrangler SE. I am part of my family's plan. Does anybody have a price about what would cost a month/year? Thanks.""
Cheap Driving Insurance - Can anyone get me a better deal??
ok my mother (48 been driving for around 23 years 8 years no claims) is the owner/driver i am a named driver (21 with 6 points) been driving under 1 year because i got license revoked and had to resit my tests The Car is a fiat brava 1.4 red 5 door 5 seats worth about 1000GBP cheapest quote i can get is with the AA 600 comprehensive is there anyone who can get it any cheaper???
How much is commercial car insurance?
I am doing a project for school and need to know a ball park range of the annual cost of car insurance for a courier service. here's some info: -2 cars -6 drivers -cars will not travel more than 20 miles per trip -liability limit $500,000 -uninsured/underinsured motorist limit $500,000 -General liability coverage: 1,000,000 **these do not have to be exact but the rate you give me is for other limits, just tell me those limits. I have no idea so any info you have and can back up would be awesome! THANKS!""
Cheap car insurance companies?
I just turned 17, and im gonna be learning to drive soon, but once I have learnt to drive, I can't afford the insurance""
Home insurance automatically renewed can I get my money back?
Firstly, yes I am an idiot and should read my post more carefully.... I have just realised that I have been paying two sets of home insurance for a year because my previous years had been automatically renewed.....can I get my money back?""
Does 15 mins save you 15% or more on car insurance?
Does 15 mins save you 15% or more on car insurance?
""Hey, i need help finding the right car insurance for me..? im 18 im from california.....?
im 18 and im from california.. i barely got my drivers license 2 days agooo and i was wondering what insurance is right for me? i want an insurance that is affordable... not so expensive... what do u recommend? what do you have? and how much do you pay for it?
Does anyone know of any ortho dental insurance (cheap or reasonable) in Texas? ?
I need braces... I have Blue Cross Insurance but ortho isnt incuded in my plan. I am with Blue Cross through my job. I am so upset! I need this done. Or is there a place where I can get them for really cheap? (Braces)? Thanx for your help.
Does pass plus help new older drivers with cheap insurance?
Does pass plus help new older drivers with cheap insurance?
In florida does the auto insurance rate lower after age 27?
In florida does the auto insurance rate lower after age 27?
How much does my car insurance go up if someone sues my insurance for getting hurt in accident?
my daughter was driving my car and got in accident (her fault) and the girl with her is suing, will my ins go up a lot more than just the four surcharges for an accident?""
What am I supposed to do about health insurance?
Originally, my daughter and I had health insurance and everything was fine until more than a few months ago we lost it because there was paperwork I was supposed to send in by a certain date, but I didn't know it, so they cut us off.... well, I applied more than a few months ago for health insurance and I still have yet to hear anything, despite all my efforts to call them and leave numerous messages... I even talked to someone at the front desk and she told me the day I called was the 45th day, which is the last day and then I would hear something from my worker in a week.......well its been 2 months since then and not a word!! I don't know what to do. My daughter is 2 and she needs physical therapy and just really needs to see a doctor.. I started working part time a month ago...my husband is still looking for a job but obviously we cannot afford insurance... this is ridiculous. My daughter should have health insurance by now.. What can I do to get an answer from these people? anything""
What is the Cheapest car insurance?
Hi guys I would like to know if what is the best and cheapest car insurance? I'm looking to insure my 2010 mustang v6, any idea? Cost monthly? Please reply only if you have something good to say, And as well as for a 2013 mustang gt, thank you!""
""As a 20 year old male, how high can I expect my car insurance to be if I drive a 2001 Mustang GT?""
Hello, I'm 20 years old and just now starting to drive. I've always commuted with my bicycle and it's kept me in great shape, but with school and a full time job, I can't be every where on time! So now it's time to drive! So, I visited Geico's website for an insurance quote, and I received the following; Start Your Policy Today for $107.65 plus 5 monthly payments of only $106.75 each 6 month total policy premium: $611.40 Is that too much, or does that sound about right?""
Which insurance is best Life (term or level) or Mortgage insurance?
Hello I am currently pregnant and live with my boyfriend in a mortgage property. This is our mortgage together and was wondering which insurance is best to secure our family's future. I am not sure whether to go for Life Term Insurance, Life Level Insurance or Mortgage Insurance? The policy will be a joint one unless good advice is given!! :-) I would appreciate an explanation in stupid terms please HAHA as this is a serious policy for our future. Many Thanks""
Unemployment Insurance Question?
I was sent an approval letter in the mail from the Nashville Unemployment Claims Center. They had already called my last employer and confirmed that I was let go due to lack of work. I have been trying to contact them via the phone for the past week and a half during different times throughout the day in order to establish a PIN. Every time I do, I get the same message of due to extremely high call volume, we cannot take your call at this time. Several friends suggested going to the local career center and ask about it there. The local career center told me that they now have extremely limited access to unemployment claims and to contact the Nashville claims center. I sent them an email as a last ditch effort to contact them a few days ago and have yet to receive a reply. Any suggestions?""
How do I get Health Insurance?
I just turned 21, and I no longer under my parents health insurance. I do my own taxes, and my residency on my taxes is in California. However, I go to a private college out of state. I don't have any chronic disease but I would like to get some tests done and I need a vision plan as well. My parents don't help me pay for anything, and I can't afford to pay $100 a month for privaet insurance. I'm not pregnant, blind, disabled, or anything. Can I get government plan insurance (cheap) if I'm a student? Where should I apply?""
How much typically does car insurance cost per year if i'm a first time driver and car is brand new?
How much typically does car insurance cost per year if i'm a first time driver and car is brand new?
What is the cheapest sr22 insurance in texas?
driver insurace
Melbourne Florida Cheap car insurance quotes zip 32901
Melbourne Florida Cheap car insurance quotes zip 32901
Stolen car question about police & insurance company?
Is it common for police and insurance companies to request some very private personal information when a car is stolen from private property? The vehicle is 100% paid off, 6 yrs old, not worth more than $10,000. The owner and driver both have significant savings, no debt and also own (outright) more cars than we have drivers. The insurance company asked me questions while recording part of the session and asked for my personal cell phone records as part of the investigation. Can I refuse such a request. Last thing I want to happen is to get into a big fight with my colleagues/friends on why they were questioned. I really hope to get my car back soon.""
Can someone give me advice on whether to get a 50 or 125cc scooter and how much insurance will cost for both?
I am a 15 year old boy who lives in Italy. Here at the age of 14 you can get a 50cc and at the age of 16 you can get a 125cc. My birthday is in 6 months ( January ), should I wait till then and get 125cc or should I just get a 50cc now ? Taking in to consideration that snow comes to Italy at about at January and that 50 cc is cheaper and safer than a 125cc. And how much would the insurance cost for the 50cc or the 125cc ? And I have a budget of around 1000 euro.""
Why are these insurance premiums so high?
so when i use to drive legally with insurance, i payed about 600 down and like 180 a month. but now when im looking for new insurance, i see monthly premiums for $900!! if car is financed, or min coverage of $400 for an owned car? i dont understand... can car insurance really be this expensive or is there something going on here? i got the quotes from online by the way...""
Which insurance covers hymenactomy? ?
hi i want to know which insurance covers hymenactomy? i want to know if someone had it done and was covered by insurance and if so which one? i dont have one right now and i dont want to get one that will give me problems with covering the payments. thanks .
Self employment health insurance?
I am self employed, my husband is not. His new employer does not offer health insurance. Can I obtain health insurance for my family and deduct it as a business expense? Is there a specific kind of insurance I would have to get? Links to any websites would be appreciated.""
Things that could lower my insurance rate?
I am most likely buying a 2001 ford mustang: -v6 engine, 5 speed manual 140,000k miles 2 seater it has a stage 4 racing clutch, its blacked out.. paint, rims, tinted windows, (headlights might have a tint idk tho) i am a sophomore in highschool, i have never received anything lower than a B, and my gpa is a 3.75. i want to know as many things that i can get done to this car in order to force the insurance rate down: iv heard of theft systems and keeping grades low.. but what else? i was thinking of getting a bluetooth? thanks""
Car Insurance Change?
Hi. I currently own a car insurance with Commerce Insurance Company. It will be expiring this month end. I am thinking to change to Progressive Insurance starting next month. Will this switching of Insurance will be a smooth process? please advice the steps. thanks
Do you work for a major corporation and do they offer health insurance?
I have worked at the same place for 20 years. The first 8 they didn't offer insurance. Now they do, but I pay the premiums. How about you? Do you work full time? Does your employer offer health insurance? Do they pay or do you? How many people DON'T get offered the option to purchase health insurance through their employer?""
Who is the best student insurance provider?
i'm looking for health insurance and don't know who to trust?
How does car insurance work? (also whats better buying a car vs leasing)?
well im 16 right now. planning to save up till 18 and buy a car. my first question is, how does car insurance work? i know you have to pay monthly and depending on each car its different but would car insurance be cheaper when the car is leased? or when its bought? also i know each car depreciates alot every year. at first i was thinking of leasing it but now im not sure. can someone tell me what would be a better choice on the long run?""
Getting homeowners insurance in florida?
I'm considering a move to Florida sooner or later, but I wanted to ask a quick question about insurance. I'm in Mobile, Al., and it seems the region has had some skyrocketing insurance costs, both premiums and deductables. A major factor in this is the hurricanes we've had in the past six years, give or take (Yes, i know there are more factors involving costs, the overall economy being no small part). In fact, many areas can't even get insurance in the first place, because no company will write a new policy. Does Florida have the same problem? In the past decade, the state has seen much more of its share of natural disasters than my home (my city hasn't had a direct hit from any of the major storms)""
I'm 21 years old and i work full time&i live at home with my parents&im pregnant what benefits do i get?
I'm 21 years old and i work full time&i live at home with my parents&im pregnant what benefits do i get?
How much will it cost to run a car in the UK (17 Years Old)?
I know insurance is a good 4-5k but how much does it cost to run (Fuel, Etc.) I have a job and I work about 15 miles away.. I drive about 100 miles a week and I work for 5 days during the week. Any help will be appreciated!""
What is the most economical route to buy affordable yet adequate health insurance?
I am not working and have limited income. I have no known health problems. I am 60 years old and I do not smoke or drink and I exercise regularly. Does anyone know the best way for me to find out who to contact? I live in KY...one of the worst states for insurance. We do have Blue Cross and Humana that I know of... I would like to have no more than a $2500 deductible. Thank you so much for your answers. God bless!
Does anyone know names /links for affordable dental insurance for someone who's 66 yrs old under medicare...?
my mom is having tooth ache and she's 66, no job, poor. anyone knows of good dental insurance plan i can help her with?""
How can i get my story known if Im a United States Marine Corps veteran and dont qualify for health insurance?
They tell me I make too much to get the government insurance and the company Ive worked for throughout the last 7 months will not promote me to full time to where I could even qualify for health care. Im married with a 3 month old and owe 30k in medical bills already at the age of 22. Is there anything anyone can tell me that will help?
Mechanical Breakdow Insurance refuses to pay...?
Hi and thanks for taking time to help me out. I have bought a BMW 540i (1997) back in January. I was really happy as this was my first car. Two weeks ago, I was driving to France and my gearbox died leaving me only with the first gear working. I went to a garage in France and we phoned the insurance but the insurance said that it cannot guarantee that it would cover me. They offered me to leave the car in France and to go back to London by myself. I refused to consider this option as I could not allow my self to stay in France (I had to go back to work) for more than the week-end and I could not afford to take the train/plane from Paris to London. The insurer said that they would not cover any costs associated with me going back to London. So I had to get the car back to London, and to drive it back home. I went to a garage where a very nice person accepted to take care of the car. He phoned the insurance and arranged everything. The insurer sent some engineers who inspected the car and the insurance said to the garage that they would only cover 65% of the costs...due to the mileage of the car (83,000 miles roughly). The garage has repared the car without asking me if I was ok to pay the last 35% and the insurer did not mention it to me either. I am going to call the insurance tomorrow to get more details about this story...but my concern is that : 1/ I am afraid of talking to them and to commit a mistake that could cost me more 2/ I don't know exactly what I am entitled to get and what are my resources in case they just refuse to change anything on this 3/ They ask me to pay the money upfront (around 2,000) and then I would have to make a claime but...I don't feel confident doing this..and I am far from having this money... I am really looking for help and advice here, I hope that someone will be able to assist, Thanks a lot, and have a very good evening
Whole Life vs. Term Insurance?
People always ask about whole life vs. Term Insurance and the insurance salespeople always defend Whole life and trash Suze Orman (not a fan of her anyway)... But they fail to prove the point with real hard numbers. Show me how Whole Life beats Term with the additional premium saved being invested in a Total Stock market index fund or other no load investment at a Vanguard or other low cost provider.
Motorcycle Insurance question?
I recently bought a motorcycle and i'm just about to buy insurance but i am abit confused, I'm thinking of getting the Third party fire & theft insurance, which means i wont get no claim if I crash my bike but what if the other drive is at fault? Does their insurance cover my damage or what? thank you""
How much should i get for my car from insurance?
Before owning my car it was rear ended and received a reconstructed title. It is a 97 Honda Hatch Back. I'm curious as to how much value insurance will see as lost on the car due to the reconstructed title, though even though it was restored to near perfect condition. I was in stop and go traffic yesterday and the car behind me didn't realize all the cars had stopped, he hit me doing roughly 45, my car was pushed into another car and it's definitely totaled at this point. Is there a set percentage they deduct if you have a reconstructed title?""
Provisional to Full license insurance?
I am 17 years old on provisional license and about to take out insurance for my car. I received a quote from Quinn Direct for about 1050, but I wanted to know what will happen when I pass my test and have full license? Will I have to pay more?""
What is the average salary for an insurance marketing rep?
I was wanting to get some information on what the average salary might be for a marketing rep for a non-standard auto insurance company might be? Any info or personal knowledge on this would be greatly appreciated, Thank you!""
Help with car insurance please help?
i have a 1997 nissan sentry i live in california i have the 15/30/25 on my coverage how much will i save if i change it to 15/30/5 which i believe is only the states quires, and also if i should do it and what is the difference for my medical coverage it says 5000 and and uninsured motorist is at the lowest coverage which is 15/30 please help. Thank you""
How much does it cost to KEEP a car like range rover?
ive never had a car, but i know that expensive cars are also expensive to KEEP, with all the insurance, gas, and idk what else, (if u could list it that be nice too) so how much does it cost to keep a car like range rover (per month)?""
About how much will my auto insurance be a month?
im about to turn 16 and im getting a 2010 camaro ss. and i dont care for yalls opinions u dont need a car that fast or ur spoiled just answer the question and i live in texas
Melbourne Florida Cheap car insurance quotes zip 32901
Melbourne Florida Cheap car insurance quotes zip 32901
Do you pay a fine if you dont have health insurance in the U.S.?
and in california? i heard that you have to have health insurance or you will have to pay a fee/ fine or something is that true? it doesnt make sense because people who dont have health insurance cant afford it but now there's medicare and obamacare so does that mean you are forced to have health insurance?
Inestment in Gold or Life insurance ?
it is better to invest in gold or invest in life insurance / same amount
""First car! help with car insurance,tax&other stuff please ?? uk owner?
smart car 2 seater white and silver 2010 reg how much would it cost to tax and insure female driver at 17 year old? best place for insurance ?? is it worth getting a black box installed into the smart car ?? if so how much do the cost on average? where is cheapest place to get break down cover ?? what over things do i need to consider on my first car? how much does a smart car cost to fill with fuel in uk?? would love some help if possible kind regards mia xxx :D
Would insurance cost me more if I bought a used VW beetle with a convertible top versus a hardtop?
Thanks!
Cheapest car insurance for 18 Y/O male?
Im getting quoted 8000-11,000 for a group one insurance 107. my mate was quoted 2000 for a 1.8 mini one. ive tried all comparison sites admiral, churchill and directline but they are unable to quote. im going on my mums policy or dads btw. Thanks for any help.""
""I had full coverage auto insurance, my policy lapsed for 2 days & during that time I had an accident am I cov?
The Insurance company is Coast Insurance in California. The accident happened during the 2 day lapse period. I have been with the company for approx 10yrs
Please tell me what you think about Infinity Auto Insurance?
Please tell me what you think about Infinity Auto Insurance?
Do I have to be on my parents insurance in order to use the car?
Would I be in trouble if I'm not on their insurance but using the car?? The car is insured so what do I do?? Live in Florida
How will being unemployed affect my car insurance rates?
After being with Wawanesa for 12 years I let my car insurance lapse for 2 months and now have to reapply. I am now unemployed, how will that affect my rates? Do they look at it as driving less since no job to go to or driving more since excess free time now?""
Cheap car insurance UK?
any tips to bring the price down? or any insurers going cheap atm? 24 yr old guy 1 yrs no claims citeron saxo desire 03 reg park it on a drive way
Does insuring a family member/friend on your car make insurance cheaper?
Does insuring a family member/friend on your car make insurance cheaper?
Where can I get auto insurance at an affordable rate?
I sold my car and did not need auto insurance for more than a year. Now, I've purchased another car & the insurance co. won't insure me because I had a lapse in coverage even though I did not have a car to cover?? I have a clean driving record & a valid license. What am I supposed to do? The car is paid for, but I want collision insurance. One co. offered me liability at the rate for collision!! Ridiculous!""
I still haven't received my national insurance card? Does anyone know how long i'll have to wait?
i just recently applied for a NIN and couple of weeks back i received a letter with my NIN. Yesterday i got a call from a company for a interview and they've asked me to bring my card along for proof and i told them i have a written letter about my NIN but still haven't received the card. They have told me that without the card they can't offer me the job because they need to take a photocopy of it and have given me a week's time to get things sorted out :(( its been 3 weeks now does anyone know how long it takes to send the card? i'm not a uk citizen :) after 7 applications i finally got a call for interview and curse my luck :((
""I would like to get my insurance license in the state of CA, and I need to know how to start?""
I would like to get my insurance license in the state of CA, and I need to know how to start?""
Health insurance question.....?
My daughter broke her arm. She is insured with my husband's insurance. The insurance company agreed to pay for the hospital and doctor bills but the doctor's office never submitted the bill to our insurance company. There is evidence that they submitted it to the wrong insurance company and are trying to blame us for it saying we gave them the wrong information. I have no idea where they think we came up with information on an insurance company we never had. Moreover they had the right information when they billed our insurance for a previous case. Now 2 years later the doctor's office is trying to collect the money from us saying it is too late to collect on our insurance. Can they do that? We pay a lot for health insurance every month and now we have a huge medical bill too.
Motorcycle insurance for a 17 year old in california?
hey im 17 years old, and got the money together for my first bike. i went down to the dealership and was about to buy the bike when i found out insurance cost like 4k for full coverage. i want full coverage but dont wanna pay through the nose for it. i have not owned a bike before and i really want one, but im not sure if i can aford to. so my question is does anyone know what i should do to resolve my problem? preferably recomendations of good insurance comannys. thanks so much""
""Average car insurance for 17 year old in ON, Canada?""
I'm a 17 year old female, no problems with driving, and with drivers ed course completed and certified. I have good grades going from 70s-90's. I'm looking into getting the new 2012 Ford Fiesta once I get my G2. How much would I pay a year/month for car insurance? Thanks""
Maternity health insurance question?
My son may be the father of a child, due next month. If paternity test proves him to be the dad, can her insurance go after his insurance to pay for the prenatal and delivery bills? This is in New York State""
How much does it cost to go for an eye exam in new jersey without insurance?
I want to get my eyes checked and have no insurance.I was wondering how much it would cost? Is lenscrafters good or more expensive? pearl vision?
From Whom can I purchase health ins over 65 years & not eligible for Medicare?
My spouse is over 65 and will be getting residency USA and is not eligible for Medicare nor am I. From whom can we purchase health insurance?
Is there any Health insurance for a 4 year Marine Veteran (never deployed)?
I just got out of the military after my four year contract. It seems all Tricare military insurance is aimed at is current Active Duty and retirees. If not, what is a good insurance ...show more""
Will the insurance company cancel my car insurance after a DUI in VA?
i got a dui in VA, is offence, .08 bac, well i got convicted of yesterday. i have to do a DWI Education classes and have a restricted licence to drive to work. my insurancce is still valid for a good 6 months. do i have to inform the insurance company, will i lose my insurance, do i need a sr22 or not. please advice..""
Does getting insurance quotes ruin your credit score?
I've been going to a number of different insurance agencies but I'm wondering if them checking my credit score is pulling my rating down?
IS THERE A LISTING OF CAR INSURANCE COMPNANIES?
IS THERE A LISTING OF CAR INSURANCE COMPNANIES?
How much will insurance be on a 2006 mitsubishi eclipse?
Hi im 24 years old and I'm going to get a black 2006 Mitsubishi eclipse automatic v6. And just wanted to know how much the insurance will cost, i haven't been in any car crashes with my current car and have a good driving record.""
Melbourne Florida Cheap car insurance quotes zip 32901
Melbourne Florida Cheap car insurance quotes zip 32901
How much would insurance for a land rover be?
I'm 16 a girl and I have straight a's if that matters. I'm thinking about getting a land rover rl2. How much monthly would everything cost(gas insurance and payment) I live in Southern California btw
Cheap Car Insurance for a 17 Year old in the UK?
Im a male, i dont want no comparison sites as they are useless i can find sites that will give me good quotes, and please dont tell me to insure a 1.0 - 1.2 litre engine as i have figured out i can insure a 1.9 diesel engine for like 200 more. However i want to know if you know anymore than my current listen i have tried: Tesco llyods Tsb Direct line Virgin Vauxhall Citreon Peugoet If you know anymore can you please tell me thank you""
Car insurance?
im 16 years old own a 2007 lexus gs and never got a ticket how much will my car insurance be? (im not expecting a definate answer, just a guess)""
Would my car insurance cover this?
I heard on the weather Channel today that they are expecting severe thunderstorms in the Tallahassee area that can produce damaging winds large hail and tornadoes and my older brothers a weatherman and he kind of confirmed it. I know my apartment insurance covers it but what about my car insurance. since i have 2 more years on my lease and my cars in perfect condition.
I'm disabled a on social security. Is there a cheaper auto insurance that I can apply to in Florida?
Im moving to flordia on March 3ed. An I need to find cheap auto insurance. Here in NJ we have a program called Dollar a day. But its only for people on Medicaid or Medicare. Does Fl have any programs?
How do you get new home owner's insurance after you were dumped?
Hypothetically speaking, say your home owner's insurance company does NOT renew your policy? How long do you have to find a new company and what if no company will take you on due to too many claims?""
Dairyland insurance company for motorcycle?
How can they issue me registration over the phone? I'm located in Michigan and the local office has a different price then what I was quoted over the phone. Over the phone I pay $168, the office said it would be $330. I don't feel uncomfortable getting insurance over the phone but looks like I may have to. Is this okay to do and has anyone else done this before?""
How would insurance be on these cars?
first of all plz dont tell me call insurance or that im to young and dont need these cars and should get a camry. i just turned 17 and just got a job at In n Out and by my senior year in highschool which is after this summer i want to get a car and my parents would help me but everytime i ask them they say dont talk about it untill you have 2500$-_- so i was just wondering how much is insurance on these cars i have in mind, first, nissan 350z(any year) honda s2000(any year) mazda miata(1998-2004) and last a scion tc (2004-2008) the car will be under MY MOMS name and i will be put as an additional driver but not main driver or however you put it. can i just have the price ranges it doesnt have to be exact, if it help i live in califronia Orange county anaheim thanks guys""
""I would like to buy a VW bus, but i am a student and i was wondering how much maintenance would cost monthly?""
I am dying to get this car, it is my dream car, or bus, but i don't have very much money. So, i am trying to better understand the circumstances that i am getting myself into before i make this big step. I already know about insurance prices and gas prices, but i am pretty much clueless at maintenance prices, i am really looking for a ballpark figure.""
Any young UK drivers know any cheap car insurance companies?
Any young UK drivers know any cheap car insurance companies?
Is it true that if you buy a brand new car the car insurance will be much more than a second hand car?
Why?? I'm going to buy the very first car for me (a mazda 3 hatchpack 2006 or 2008..) and I want it to be new cause I can afford any price. But my dad keeps telling me not to buy a new car cause i won't be having good bennefits from it..such as the car insurance. It will be higher than a second hand car's...around 1000 euros every year. Also the car insurance must be full if it's a new car and I should have it on 1/3 cause its cheaper. So if it's a new car I can't have it on 1/3. What do you think I should do? I really want that car and that's why I want it to be new..cause it's the one I've always wanted!
Car Insurance for Male Teen?
-I'm a 17 year old boy -My parents have nearly clean records. i don't think my dad's been in an accident for 10 years (knock on wood) -im probably gonna drive an acura integra g-sr 2 door coupe anywhere from 1995-2000 not sure what year yet. ab
Why is insurance for young men expenisive?
Why is insurance so expensive for young men? Why is it more expensive for young men (16 to 25) than for women the same age?
Is getting the minimum coverage car insurance a good idea?
I constantly see those commercials that say get the minimum required car insurance. And i'm wondering is that really a good idea, and what does that really even cover when you get into an accident?""
Moving to France - car insurance?
I am moving to France next week and will be taking my British registered car. I rang my insurers who told me that they would only insure me 'up to the ferry' and after that ...show more
What car to get for my first that will be low on insurance?
How much for the car and insurance it will cost me ?
Car insurance is abnormally expensive for me (18yrs old)? What am I doing wrong?
I go on gocompare, confuse.com, comparethemarket, etc. to check prices of different cars but I keep getting insurance at the price of 7,000+?! And the crazy thing is, it was for a Peugeot 2002 106 which is like 1.1 litre. which came to the lowest I found. Which was 7,000+. I fill in the details truthfully, such as locked home garage, very low miles per year, etc, but I can't seem to get cheap insurance? Everyone online says they get insured for around 2,000 on a Corsa, Peugeot 106, Citroen C1 and on like 1.4L+ cars etc. HOW TO HELL? Should I just buy my 1st car then insure it on my parents name then ask me to be put on as a named driver? My friends do that and pay around 1,000-1,200 on 1.6L cars.. Also, can you recommend me a good 1st car? (England) Thanks!""
Can you get car insurance with out a licence?? if so..how so?
i just bought a car for my mom...who is without a licence. but she needs a car to take her drivers test in. (this is tecnically my frist car) can i get the car registered without insurence?...and if not....can i get insurence for an unlicensed driver?...or will we have to have a licenced driver get insurence for the car..and put my mom as unlicenced driver till she takes the test?? i just need a little help on how the prosses goes. thank you very much. kathleen
Can anyone be added to insurance?
I was curious if my dad could get me on his insurance plan (medical)? I can't afford insurance and I'm suffering from tooth pains, psychological illnesses, and need medical attention. I'm supposedly too old (26), but I wanted to know if my father could add me onto his insurance another way? Thanks.""
How much does flood insurance cost?
How much does flood insurance cost, as well as wind insurance?""
""Do You have To pay A Brokers Fee, When They Find U Car Insurance?""
I know some one who payed a huge brokers fee, when they found car insurance for her. Are all broker fee expensive. (finders fees).""
Can I take my car to get repaired anywhere even if my insurance says no?
I got my window broken when someone broke into my car and I had an appt at the dealership where I bought to the car to get it repaired ASAP (and was going to) but my insurance nixed the idea. They said they wouldnt pay a dime if I did that. I HAVE to go to their suggested business. Now I have to drive to and from work with a taped up window for 2 more days till THEIR guy can fit me in. Is this legal??? It seems so unfair. BTW- I have Mercury auto insurance and I live in California.
How can i get affordable health insurance for my husband.?
How can i get affordable health insurance for my husband.?
How do I get Health Insurance?
I just turned 21, and I no longer under my parents health insurance. I do my own taxes, and my residency on my taxes is in California. However, I go to a private college out of state. I don't have any chronic disease but I would like to get some tests done and I need a vision plan as well. My parents don't help me pay for anything, and I can't afford to pay $100 a month for privaet insurance. I'm not pregnant, blind, disabled, or anything. Can I get government plan insurance (cheap) if I'm a student? Where should I apply?""
Car insurance cost?
How much will car insurance cost if I'm a 19 year old girl, who is a full time student with a 3.3 GPA. I'm also a new driver and recently got my license, which means I ...show more""
Melbourne Florida Cheap car insurance quotes zip 32901
Melbourne Florida Cheap car insurance quotes zip 32901
https://www.linkedin.com/pulse/nrma-house-contents-insurance-quote-catherine-saunders/"
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New Lexington Ohio Cheap car insurance quotes zip 43764
"New Lexington Ohio Cheap car insurance quotes zip 43764
New Lexington Ohio Cheap car insurance quotes zip 43764
BEST ANSWER:  Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr 
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New Lexington Ohio Cheap car insurance quotes zip 43764
New Lexington Ohio Cheap car insurance quotes zip 43764
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I'm thinking of buying a car as soon as I pass my driving test next month and I heard that car insurance for a 20 year old is really expensive so I was wondering if I was able to ...show more
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All nevada insurance?
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I have a GMC Suburban, year: 1998. I am 16 years old, had just passed my drivers test and got my provisionals drivers license yesterday. GPA isn't all that well right now @ 2.75, I'm not a terrible student, it's just I had failed a class & had c/d's my first year of highschool before I kicked it in gear to get a/b's in classes. If I were to get put on my parents insurance (Geico) as a driver on their plan to drive a GMC Suburban year 98. How much do you expect a month for it to increase? I will have to pay however much extra it is on their bill for my chunk of the insurance bill. Working at Subway @ Min wage, have to also pay for my phone every month (about $45, 50 a month). Tried to get a quote or look around online for a general price estimate, though I'm not 18 and unable to. Parent's are not home, not interested in waiting the few hours for them to get home and become motivated to look into it. Thanks!""
I need a cheap insurance company.?
My friends problem: Well my mom decides that im not going under her insurance today, meaning I have 4 days to find a cheap insurance company and get my car insured. If anyone could tell me what they drive and how much they pay and what company it would be greatly appreciated.""
What insurance company is best for self employment health insurance?
I am thinking about becoming self employed. What company offers the best insurance policy for self employed people?
""Just moved to Louisiana, do I have to change my address, driver's license, and transfer my car insurance?""
I moved from Minnesota a couple weeks ago and I'm afraid it's going to be expensive to change all of these, especially my insurance due to the increased crime rate here in New Orleans. Is this illegal to leave be? I am really quite clueless. What about when my tabs expire in December? Also I bank with Bremer bank which is only available in the midwest, do I need to change it? Can I keep my checking and savings accounts and open a checking account here at a Chase bank as well?""
How much would insurance be for a jeep Cherokee?
i am planning to get a jeep cherokee or wrangler and want to know how much car insurance would be. i am 16 and want to know how much money i should pay insurance to see if it is in my budget.
Michigan Motorcycle Insurance?
I live in Michigan I only ride my motorcycle during the spring and summer, which comes out to be about 6 months of the year. the rest of the time the bike is stored, with no riders. My question is can I get some sort of insurance where I'm covered for six months and the rest of the time it in storage it's on a storage like insurance? I know you can in New Jersey because my friends have in however can you in Michigan? if so could you post a link or where you got this infor from so i can contact them further thank you""
About how much car insurance does a first time 26 year old driver have to pay?
I need to know I lived in the city for many years and got by with public transportation so I never needed a car no that I have moved I need to buy a car, I hear folks says new drivers pay more..is this true of so how much more I plan to buy a used car for around 5-8 k directly no car loans""
Where can i find a good healthcare plan for myself and my kids? more inside?
39 weeks prego with number 2. and neither have insurance except the smallest will have ga medicade when he is born.i am looking for insurance to cover them mostly. and everything i see has at least a $1000 deductible. what is a good way to do this? i am 21 and don't know any thing about insurance. help please :-) i
First car ... I need cheap car insurance.. what car offers cheap insurance?
Tell me how much the insurance costs if possible, bearing in mind I am a new driver.""
Car Insurance?
I am just trying to get some quotes on maybe what my car insurance would be. I don't have the kind of car that I want yet but I was just trying to get an estimate and check and see what it would be around.. Can I get any quotes without the Vin Number?
""Cheap, but safe cars with low insurance [group 5 or less]?""
Are there cars [excluding super mini cars] that are big [i.e. saloon cars etc], but are generally cheap to insure for young drivers. As it seems the only ones that have cheap insurance are the super mini cars, and I don't really want one.""
Can you add you unborn child to your insurance?
well, I would like to add my baby to my boyfriend's insurance (the daddy) can he do it now or we need to wait until the baby is born?""
How much a car? used car + insurance + NY state?
hi, i would like to know how much can a car cost, how much is the avarege? a used car plus the insurance in New York state?""
Can someone explain how car insurance works?
Specifically, how do you pay for auto insurance? Do you make monthly payments or do you pay it at one time?""
Penalty for driving with no insurance or registration in california?
Got pulled over, had expired tags and no insurance. Officer didnt tow my car. Just gave me a ticket for both and sent me on my way. How much am i looking at?""
Top 10 low insurance and tax cars in insurance group 1?
just wanted little info about top 10 cars that are: 1.0 - 1.2 litre engine Insurance group 1 Low road tax
""Is $150/month too much for auto insurance. 21, female, full coverage?""
I signed up for Allstates full coverage insurance for my 2006 Toyota corolla. I'm 21, female, and clean driving record so far. Is 150 per month too expensive?""
New Lexington Ohio Cheap car insurance quotes zip 43764
New Lexington Ohio Cheap car insurance quotes zip 43764
Which company provide online health insurance?
I want to buy health insurance online without any agent. Will you please suggest me the best online health insurance plan? Thanks in Advance
Am losing health insurance...?
What are some non employer options? Live in Kansas and am clueless what to do to get insurance. Have 2 kids.... Do they qualify for free insurance? Make too much money to get assistance but not enough to pay for it. Please help. Married and neither of us has affordable employer insurance!
How to get cheap insurance without no claim bonus?
Hi basically I had been a additional driver on my brothers policy for 3 years and I do not hold any no claim bonus as it was on my brothers name. I want to get insurance done on my name now but I am looking for any good deal being a only driver with no claim bonus as I have no accident history, I have clean record of driving so any ideas on how to sort it out cheap let me know thanks in advance :)""
Insurance price?
does anyone have an idea of how much insurance would be for me to purchase a new wrx sti? age 24, pittsburgh PA, clean record...any rough estimates?""
What does 6 months mean for car insurance?
I'm 18 and I don't know munch about car insurance. For me it's about $1500 for the year or about $300 a month for six months. Is this every month for six month like January through June? Or every other month for the whole year?
How do I renew my health insurance card in the U.S?
I am 15, and my health insurance card a few months ago. How do I renew another one? Do I have to sign up all over again and do all the paper-works or I just have to go to that place and ask for a new card? May I get plenty of details about this? Because it's really important to me. The person with has the BEST answer will get pretty awesome points. Thanks :)""
Car accident I have liability the other involved had no insurance?
I got into a car accident today which pretty much totalled out the back half of my van, seeing as the insurance agent will probably call it as totalled out. Here is my question the other party told us that he had no insurance at all and I only carry liability insurance whats going to happen with my vehicle, how are my damages going to be paid?""
What is the cheapest car insurance company?
Ok, so I just want to know, as far as getting insurance for your Car goes....do you guys know like what Car Insurance COMPANY has the cheapest insurance you can buy for your car? Thanks, it would help out alot.""
Is it possible to upgrade car insurance with an ongoing claim?
Hello, I am a 19 year old male living in England. I had an accident around 2 months ago in my car of which I am the main driver and owner (no dispute here). I have been ensured by a solicitor friend that the crash was not my fault as the other party pulled out in front of me. However, the other party is still disputing liability and I have been told by my insurance that the case could take upwards of 10 weeks. I have a job opportunity starting in 1 week exactly as a delivery driver. I will technically be self-employed, so will have to provide my own business insurance. My question is: is it at all possible to upgrade my insurance to business cover while the claim is still ongoing? If this is possible, would it be allowed on the basis that I would be considered liable for this accident (at least in the short run) and thus be charged a an extortionate amount? Thanks in advance.""
Which is the best insurance company for an 18 year old male driver?
Hey, I'm an 18 year old boy (hurdle #1) and live in South-East London (hurdle #2) and I've had my license for a month now (hurdle #3!) and just bought my VW Polo 999cc (999cc!!)..I CANNOT for the life of me find a decent insurance quote I mean i'm in full-time employment but still most of the quotes I've been given are more than half my annual salary! Public transport is NOT an option because of the shifts I've been given..I've tried the young drivers' insurance with people like Co-Op and InsureTheBox but they're not much different to anyone else.. So, if ANYONE has ANY advice/anecdotes they could share, I'd really appreciate it. Thanks in advance (:""
Considering suing my car insurance company?
As we all know car insurance companies in the United States of America charge males more than females to drive a car based on real world studies . This is the equivalent of not hiring females because they may get pregnant and take a lot ofdays off... Because this is truly a real world study i conducted that males dont get pregnant as often as females. So I am highly tempted to bring this up with a lawyer or at least send a letter to my car insurance company, and i want them to hurt for it because frankly it pisses me off that i am being descriminated against. Further more, in europe, this practice of charging males more because they are more likely to drive is highly illegal. I am in no way a liberal democrat but if this sensitivity bullshit is going to stop descrimination than maybe they should give a **** about me before i start caring about them...""
Need to purchase car insurance.. what do I do?
I got into a minor accident a couple of days ago and I did not have insurance. It was my parents' car and the damages have already been paid for from my personal savings. Now, I am going to get car insurance. The question here is if I want to get insured, do I have to report to car insurance companies of my accident? If yes, why? How would the company possibly know I got into an accident? Also, do insurance companies screen your driver's license? If so, how much more money per year can I expect to pay for 2 points on my license for an average 20 year old? Yes, I'm not the smartest for having drove without insurance, hence, the reason why I am getting insurance.""
Can anyone tell me where to find affordable health insurance in Missouri?
I'm a rural carrier for the postal service. I'm not offered benefits for a year. But I need to be seen by a doctor soon! (Woman issues)
Where can i find car insurance for less than $50?
Where can i find car insurance for less than $50?
Car accident and insurance claim?
2 persons came to look my car for buying purpose. 1 of them was standing in front of my car and other just opened the door and turned the ignation on. the car was in gear so jumped up and hit the person standing in front of the car. man got stuck between my car and the other parked in front of my car and broke his leg. police and ambulance came. they took our statement and did not say anything to me but had separate discussionn with the othee person for long time. my question will this effect my by any mean legally? my car did not have insurance but no body drove the car either. i mean I am really scared what gonna happen to me I don't know if I shall keep trying selling my car or wait until hear from police. thanks
Co-Buyer Auto Insurance?
All, I helped ex GF to buy a car. I thought I was co signing for loan but apparantly I am a co buyer of car. The registration is her or me . I dont mind being responsible for loan. If she messes up loan I will make payments. She tells me she has car properly insured etc. What worries me is if she lets insurance lapse or cause a major accident could I end up in trouble. Can I insure myself against her letting insurance lapse or causing major injury/damage? I currently have no personal auto insurance (have company vehicle). Is there anything else I can do to protect myself? Im very worried about this. Do I need to be or am i overreacting? Pat""
State Farm insurance?
I have my own insurance and it was. 230 a month now I am getting a new car and I need collusion I am getting a Honda civic sedan 2012 white can anyone tell me an estimate on how much my insurance will go up Ps the car is financed . I have State Farm, I am 20 years old I reside in ny and I have had no accident""
""Bike insurance idea, would it work?""
As you know insurance for a 600cc sports bike for a 17yr old (male) is extremely high (I was quoted 9000+), however you may of heard of fronting, (putting someone with lots more experience and age as the main driver and putting me (17yr old) as a second driver) this apparently greatly reduces the insurance cost, however is a form of insurance fraud and is illegal. But I thought of a plan... You see I have my heart set on a honda cbr600rr, it is much cheaper than a 125cc bike that I would buy new only to buy another bike a few years later thus deeming the 125 useless, but what if I got the 600 and did make my dad (who is much older and more experienced) the main driver and me the 2nd, but to avoid it being fronting, he could use it when i'm not and I could force him to ride somewhere so ultimately he would have used it more so it wouldn't be illegal right? By the way he mostly goes out at night so it would not interfere with my needs.""
Which is the best insurance which i need to take for my parents who visiting USA?
My parents are coming to US and need to take a medical and dental insurance for them. please advise
What is most important in a car insurance plan?
Okay, I know this is a complicated question that I'm asking on Yahoo! Answers, but hopefully somebody can give a credible answer. I'm about to get my first car and I want to make sure I have the proper insurance. I don't want an insurance company talking me into buying more than I need, nor do I want to be under-protected. So what's most important? I thought I'd heard that liability coverage was more important than collision. Is that true? How much liability should I need? If someone could give me some good suggestions with some numbers, I'd really appreciate it.""
""I was denied homeowners insurance by state farm, are there any companies that will insure me?""
I made 3 claims 12/18/09 amt. $302, 9/1/08 $0; and 5/10/08 amt.$1302. Allstate has said no as well.""
Cheapest car insurance?
who is the cheapest car insurance provider in the uk?I only have one year no claims bonus and I just purchased a vw bora 2.0 and the insurence quotes are pretty high so far
Will I be covered by my parents auto insurance for an accident if im not on the policy?
I was in a car accident last night while driving my parents insured car. I, however, am not on the policy. I am 23 and live in my parents household. I have my own seperate insurance for my vehicle, which I was not driving due mechanical issues. This is the only time I have driven my parents car. Will either my parents or my car insurance cover the accident? This is what happened: I hit a car who made a left in front of me while driving through an intersection. The light was green, I had the right of way. When the police arrived the individual whom I hit admitted he had been drinking and was a marijuana user. The police arrested him and towed his car. The officer disclosed that the individual did not show proof of insurance. Also, there was a witness (the driver in the car behind me) who pulled over to check on us. He had told the officers what happened which verified my explanation of the event. I live in California, if that helps. If anyone has any advice for this scenario, please advise me on how I should proceed as I have never been in this situation. Thank you""
Decent car that's cheap to buy and insure?
Hi so I'm looking at buying a car. Right now I only have around 3,000. I would rather just get a cheaper car now but if nots possible I can wait until I have 5,000. Okay so I know I'm not going to be buying a Ferrari for my budget but I'm looking for some ideas of cars that are inexpensive to buy, inexpensive to insure and one I won't get laughed at for driving. The oldest year I would go is a 1999.leave your ideas. Thanks""
""If you have Amica car insurance, how much does 1 speeding ticket cost you?""
I live in Massachusetts. Have a perfect driving record but now I'm charged with 1 speeding ticket. How much more in insurance premiums will it cost me if I plead guilty? It's a regular speeding ticket, not DUI or wreckless driving. THanks""
New Lexington Ohio Cheap car insurance quotes zip 43764
New Lexington Ohio Cheap car insurance quotes zip 43764
How much money can I save on my car insurance after completion of the pass plus course?
Give me examples of how much you have saved or a friend or something
Are annuities good for young people?
Does anyone know if annuiites are good for young people, like in their late 20's. Starting a family and reading about many investment options. It seems like we've only heard about annuities for older or almost retired people, but with new prods that guarantee 7% yearly if your investments don't make that much...seems it's not a bad thing to add to a portfolio.""
How much does your motorcycle's insurance rise when your bike has been stolen?
I'm asking this question for a friend who had some filthy chavs take his bike last weekend. It was a Yamaha XVS125 dragstar, so his insurance would have been quite cheap anyway but I was wondering how much more he will have to pay when he gets a new bike. Ideally if this has happened to you can you tell me ... how much your insurance was before (and if your license had points etc) and how much it was when you got a new bike. Thx""
Broke my contract phone and have no insurance?
Basically, entirely my own fault... i have no insurance on my phone (had it for three months) and it was smashed yesterday! But my question is, if i phone up vodafone and tell them i will PAY three months worth of insurance, backdate it back to the three months i have had this phone, can I then claim for a replacement? Technically I will still be paying for insurance and they will be getting money? Is this possible??""
Progressive good student discount question. PLEASE HELP!?
i just found out i have to pay $100 per month for my insurance and i just got my license but my parents can't really afford to pay that right now so i was wondering what is their required GPA for the good student discount in California, Please help me.""
50cc Scooter Insurance Help?
I'm 16 in 9 days, and I'm going to celebrate with a Peugeot V Clic Silver Sport. However, I'm going to need insurance. I live in a quiet area, and my scooter will be kept in a locked, secure garage with four other scooters. I'm also very responsible and won't be thrashing it and doing wheelies. Does anyone think this will reduce the cost of insurance?""
Registering and insuring a salvaged car?
just bought a car with a salvaged title with full knowledge of such thinking i'll save some money. the car runs fine, everything functions as any other car and if the title ...show more""
Why does the Honda Insight ('00-'05) cost so much to insure? (UK)?
Why does the 2000 - 2005 Honda Insight have group 12 insurance status in the UK?! Its such a shame, I have been looking to upgrading my small car at the moment, and have always liked the old Insight. For some strange reason it didn't ever seem to take off, and it was way ahead of its time, and is still a very good, one of the best ever mass manufactured cars for fuel consumption (may even be the best). It has a 1 litre engine, which produces just 66bhp, but is extremely efficient so achieves 83MPG and has a 0-60 time of 12.1s (top speed: 112mph). Remember group 12. Or I could pick out a Seat Toledo 2 litre Sport - produces 147bhp, 34MPG, has a 0-60 time of 9.4s (top speed: 128mph). This is a group 10. Why isn't the insight lower?!?!!?!??!?!?!?!?!!?!?!?!?!? Any info would be great""
Can you remove yourself from your parents' health insurance voluntarily?
I just would like to know. Is it possible? Thanks.
Does color of car affect insurance rates?
In the market for brand new car. Does color matter with insurance? I've heard red is most expensive.
What is a good health insurance for small business owners?
i currently have blue cross of california but they raised the premium. it is the worst insurance in the world and a ppo to boot, so i can barely pick my doctors. thank you in advance.""
Which is the best policies for Life Insurance and Health Insurance ?
Iam 27 years old and married.I have my father,mother and wife as my dependents and our kids in future.i want to get life insurance for me and Health Insurance for my whole family as they are fully depending upon me. - I already have Jeevan Anand from LIC Sum Assured : 5,00,000.00 Policy Term  74 (Premium payment term  17) - i am ready to spent another 20-25 thousand as annual premium for Health and any other good policies.It will be better if its consider as a good investment also. So please suggest me good policy from LIC and a Health Insurance policy available now. Your advises will be highly appreciated. Thanks.""
How much is gonna cost in Insurance if I buy salvage car here in califonia?
How much is gonna cost in Insurance if I buy salvage car here in califonia?
""Car accident, no insurance?!!!!?""
A high school kid hit my car today, I was at a stop sign and he turned too early and hit my car. I do not have insurance(welp I know, I'm a single mother we can't afford it all). Anyway, he did have insurance and he was at fault. Will his insurance cover the cost to fix my car or no? Since I didn't have insurance and all that is?""
Residency in California or South Carolina?
I live in MI, I am hoping to be a marine biologist. Obviously MI is not the best place to study the ocean and the things in it. So I want to move to California or South Carolina for some schools I like. I know that it takes 1 year to be a resident in both states but can I also take community college courses while being there? Much thanks!""
I need a good car insurance company I have 6 points and a chapter 7 in my credit report?
I have two cars one needs full coverage $500.00.00 deduc.at list, the car is a 2002 ford explorer and the other one is a 1992 dodge spirit /liability only. If you know about an insurance company that gives good coverage for a decent price let me know my current policy is $166.20 a month.""
How much will it cost....?
I live in Hemet , Southern California. I have a 9 month old son. He will be nursed until 24 months, However, he does eat some solid foods. I my boyfriend and I rent an appartment for $750- How much would our monthly income need to be to support our family? How much is utilities in my area? How much do you spend on gas? How much is car insurance? How much is it to get my car smoged? How much are monthly groceries? What other bills am I missing? Please help!""
Got my second speeding ticket will the insurance go up? do i need to go to court?
i recieved my first ticket this year in january. i went to traffic school and it got removed. so on friday i got a speeding ticket i was going 82 and the speed limit was 65. do i have to go to court? can i get it removed again? does it affect my insurance? i have ecompass insurance. im under my moms insurance is she going to find out? im 19.
I'm pregnant. Can I use my boyfriends insurance?
I am only 6 weeks pregnant and we aren't married yet. I was wondering if there was a way I can use my boyfriends insurance (Kaiser) for doctor visits and child birth. I have heard that we may have to add me on his as a domestic partner, is this right? And does Kaiser add domestic partners on a members plan? Any advice would help.""
""Will the Supreme Court ruling on Affordable Care Act affect those under 26, and on their parents insurance?""
I am a 20 year old man, and I suffer from a couple health problems that I must have treatment for. I have a job, but I do not make enough money to afford my own health insurance, so I am on my father's. I am able to do this now because the new law allows me to remain on my father's insurance until my 26th birthday. If the supreme court rules that the mandate in question is unconstitutional will it effect that specific part of the law? Am I in danger of losing my health coverage?""
How much am I gointo pay for car insurance?
I am 17 turning 18 soon and when I graduate I plan on getting a 2011 Subaru WRX STI or a 2012 Mustang GT . I was just wondering how much I am going to be paying for insurance on either one. I will be 18 when I get it, I am a male and have a clean driving record. Please help, this will most likely be the deciding factor for which car I get. I would also like to know which car you would get. Thanks!!!""
Cheapest place to get insured on a friends car?
I was insured for a week on a friends car, a 1.4 peugeot 206. on her policy and it was 22, i thought this was a little steep, as my car insurance only cost me 18 a month for my own car (when i had 1) and that was a 1.6 escort. whats the best option as i won't drive uninsured, and need to borrow her car again and her insurance company says they can't add me as a named driver as she has changed her policy 4 times already this year!""
Buying car and insurance without driver id in ohio?
hey...i found a very good car deal and i don't wanna miss this car but i just came to usa and i don't have a ohio driver id...(i got my own country's driver id) i have scheduled my driving test for next week but i want to buy this car this week for sure...can i buy the car from owner without driver id ? and if ican buy the car can i buy insurance for this car without driver id ?
Do I HAVE to sign up for Obamacare insurance?
My current health insurance will be up soon. I know that people apparently get fined for not having health insurance, or something of the sort. My question is, do i HAVE to get it? ...show more""
Are the following cars high on insurance?
Is the supra MK4, 240sx s13 and s14 high on insurance? please help I would like to get one of them for a first car but I need to know if there high on insurance.""
New Lexington Ohio Cheap car insurance quotes zip 43764
New Lexington Ohio Cheap car insurance quotes zip 43764
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