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yourarmynoona · 6 years

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Your ARMY Noona’s Fanfic Rec MASTER LIST (updated 5/13/18)

So as much as I LOVE writing BTS-oriented or K-pop fanfics in general, I have always wanted to compile a BTS Masterlist of Fanfiction writers and fics. I’ve read so many over the years but these are a few that stand out to me. I’ll continue to update as I read more or add to the list (or remember where the hell I wrote them down at) so for now, please enjoy the works of these incredible fantastic writers!

(Credit to all the writers listed as these descriptions and works are theirs)

~Your ARMY Noona ❤

☆ ☆@endearkim ☆ ☆ ☆

➤ “Pyramids”

Description: It didn’t matter how many times you slapped yourself, but when those eyes of his landed on you, it was like life had stopped.

Rating: M

Pairing: Taehyung x Reader

Wordcount: 10k+

➤ “Aqueduct”

Description: You were a little more than enamored with the sun.

Rating: M

Pairing: Hoseok x Reader

Wordcount: 10k+

☆ ☆ ☆ @seokkbuns ☆ ☆ ☆

➤ “Wanted”

Description: His voice was powerful, commanding, catching your attention without any extra effort on his part and even without looking you could tell it was directed at you. Taehyung trembled, and you slowly turned your gaze to the Kelkie standing in the middle of the other two, his dark, doe-like eyes boring straight into yours as he spoke at you in a language you couldn’t understand. Your breath caught in your throat because standing right before you was the most ethereally handsome being you had ever seen

Rating: M

Pairing: Jungkook x Reader

Wordcount: 10k+

➤ “Inheritance”

Description: After your grandmother passed she left everything to you. Her house, her fortune, and apparently… her cat? The grumpy male hybrid you encounter at her house is anything but the tame housecat you’d expected to find. Fulfilling your grandmother’s last request to look after him becomes a lot harder when he seems to be avoiding you, and your dissatisfied relatives start stirring up trouble.

Rating: M

Pairing: Yoongi x Reader

Wordcount: 2.6k+

☆ ☆ ☆ @drquinzelharleen ☆ ☆ ☆

➤ “Suga Daddy”

Description: Yoongi gives you an offer you can’t refuse.

Rating: M

Pairing: Yoongi x Reader

Wordcount: 7.8k+

➤ “Close as Strangers”

Description: You were happy it was your last year of school. That was, until you started tutoring your old best friend Jeon Jungkook, otherwise known as “Mr. Popular.”

Rating: M

Pairing: Jungkook x Reader

Wordcount: 10k+

☆ ☆ ☆ @kinkjungkook☆ ☆ ☆

➤ “Tempting”

Description: Y/N is an angel and a good one at that. She steers clear of the seven deadly sins, especially lust. She is out performing her duties when she runs into a demon. Luckily for her, that demon, Taehyung, doesn’t seem to buy into that whole “Angels and Demons are sworn enemies” idea. But unluckily for her, Taehyung just so happens to be the very embodiment of sin.

Rating: M

Pairing: Taehyung x Reader

Wordcount: 10k+

➤ “Soliloquy”

Description: Jimin was a boy who had an affinity for flowers. You were a girl who liked to talk to them. When you both end up in the same place at the same time, it only made sense that you both would have a lot to talk about. It all should have been very simple.

Rating: T

Pairing: Jimin x Reader

Wordcount: 5.5k

☆ ☆ ☆ @jiminisalier ☆ ☆ ☆

➤ “Giving a Hand”

Description: Your work is not the typical job, you give hand jobs for money, but instead of feeling ashamed by it you’re comfortable with it. Until a man offers you to work in his company, where you would use your abilities to please seven guys.

Rating: M

Pairings: Reader x OT7

Wordcount: 134k+

➤ “Elevator”

Description: You got stuck in an elevator with a stranger boy who claims his name is Vante. You know he is lying, but he is funny and extremely hot, so you let it pass.

Rating: M

Pairing: Reader x Taehyung

Wordcount: 6.5k

☆ ☆ ☆ @taechubs ☆ ☆ ☆

➤ “Bygones of the Sun”

Description: Jung Hoseok was once the sweetheart of the school, the dance captain whom every girl, including you, can’t help but fall head over heels for. But like the force of the ever-glowing sun, everything that rises must also set. A year of inactivity later and he’s now the school’s resident bad boy. You’re a firm believer of allowing the past be the past, and yet you can’t help but wonder where the risen sun has gone into hiding—because perhaps its shadows have out-shined its own radiance.

Rating: M

Pairing: Hoseok x Reader

Wordcount: 10.4k+

☆ ☆ ☆ @oppamansae ☆ ☆ ☆

➤“Mission Badboy”

Description: What if you could win 100,000 Won by giving someone a makeover? But here's the catch – you have 6 months to turn a nerdy, anti-social male into the school's biggest heartthrob.

Rating: M

Pairing: Namjoon x Reader; Hoseok x Reader

Wordcount: 10k+

➤ “Xeno”

Description: The best part about being an assistant in a lab was watching all new inventions come to life, although sometimes some of them fail, leaving them away in a storage room, never to be bothered with; free for the taking.

Rating: M

Pairing: Taehyung x Reader

Wordcount: 10k+

➤ “No Regrets”

Description: Forever, we are young’ – that was Seokjin’s motto. You had never expected to live by it, not until he came up with a bucket list and forced his friends to go on a week-long trip with him during spring break. All of you soon learnt that youth was an adventure, and a great time to make stupid mistakes.

Rating: T

Pairing: Seokjin x Reader

Wordcount: 4k+

➤ "Endgame”

Description: In chess, winning is everything – unfortunately, it is never easy. Y/N knew that as soon as she was ordered to assassinate the ruler of Seoul’s wealthiest mob empire, Park Jimin. The real question was: would she be able to survive this twisted game, all while keeping her identity a secret?

Rating: M

Pairing: Maknae Line x Reader

Wordcount: 5.5k+

☆ ☆ ☆ @chinnychimchim ☆ ☆ ☆

➤ “So It Goes”

Description: Park Jimin knows a lot about humans. of course he does, he studies them for a living. he knows that they say hello by holding hands, and when they say goodbye, they put their arms around each other. but this particular human, he notes, is unlike the rest- stuck in a slump, going about your day praying for the Universe to stage an intervention in the form of an alien abduction. when he decides to finally fulfil your wishes, he finds that you have a little something to teach him about what it means to live life on Earth the way you do: ugly crying, underwear and all. in return, he shows you the possibilities that abound if you simply adopted their mantra: everything is beautiful, and nothing hurts.

Rating: M

Pairing: Jimin x Reader

Wordcount: 9.2k+

➤ "Catch Your Death”

Description: Jung Hoseok has always been your number one antagonist. as a snow leopard hybrid, the only one in the kingdom— you’re always just too much for him— too pretty, too cold, too elegant, too weak to match up to his standards of a competent fighter. so when you’re betrothed to him in a very unusual matrimonial ceremony, its natural that your blood should run cold, because you hate him to the core. Right?

Rating: M

Pairing: Jimin x Reader

Wordcount: 5.1k+

☆ ☆ ☆ @imaginethisbts☆ ☆ ☆

➤ “Territory”

Description: Dogboy Tae gets extremely possessive when “that time of the month” rolls around and find’s it hard to control his natural instincts and his dominating nature during the monthly occurrence.

Rating: M

Pairing: Taehyung x Reader

Wordcount: 2.9k+

➤ “Lust & Errors”

Description: Step brother, fuck buddy… They were one and the same now. But what started out as some mindless fucking game, quickly turns into something much more difficult and complex.

Rating: M

Pairing: Jungkook x Reader

Wordcount: 4.3k+

☆ ☆ ☆ @iq-biased☆ ☆ ☆

➤ “Aromatherapy”

Description: When your holistic hippie friend offers you a free massage at an unheard of health shop, you’re skeptical. But as soon as your masseur Jungkook walks into the room, you realize your outlook on massage therapy is about to completely change.

Rating: M

Pairing: Jungkook x Reader; Hoseok x Reader

Wordcount: 5k+

☆ ☆ ☆ @softjeon☆ ☆ ☆

➤ “Trust Nobody”

Description: The first thing someone should know about you is that you’re an escort. Yes, you have fucked for money. One day your boss made you an offer you couldn’t say no to. One year - seven boys. One rule: never fall in love.

Rating: M

Pairing: Taehung x Reader

Wordcount: 5.7k+

➤ “Yes Mr. Park”

Description: Nobody had ever made you feel like this - made you feel like submitting so fully. There was an ache burning inside you, that just wanted to say yes to anything your boss would ask of you.

Rating: M

Pairing: Jimin x Reader

Wordcount: 4,6k+

☆ ☆ ☆ @httpjeon☆ ☆ ☆

➤ “1-800-Music-Street”

Description: You’re enchanted by a street performer and then he saves you, resulting in multiple meetings one can only describe as fate.

Rating: M

Pairing: Taehyung x Reader

Wordcount: 5k+

➤ "Barbarian”

Description: Your husband, hoseok, comes home from a raid with the need to make you pregnant with his child.

Rating: M

Pairing: Hoseok x Reader

Wordcount: 2.5k+

☆ ☆ ☆ Gimmesumsuga ☆ ☆ ☆

(Tumblr account @gimmesumsuga)

➤ “Sweeter Than Sweet”

Description: You would have never expected someone like Park Jimin to notice you; he's handsome, seductive, and totally out of your league. Oh, and a vampire. You're enthralled by him from the moment you meet, addicted to his kiss and his bite, willing to do anything to be by his side - even if it costs you your freedom... and your life.

Rating: M

Pairings: Reader x Jimin; Reader x OT7

Wordcount: 250K+

➤ “Pink Panther”

Description: Hybrid!AU. Smut with lots of kinks.

Rating: M

Pairings: Jin x Reader

Wordcount: 13k+

☆ ☆ ☆ Sugamins ☆ ☆ ☆

➤ "Valentino Summers”

Description: Whether or not Jimin was smuggling drugs really didn’t matter. He was hustling, and these days that was all there was to it.Hustle and survive, or struggle and die.

Rating: M

Pairings: Yoongi x Jimin

Wordcount: 560k+

➤ “House of Cards”

Description: Jungkook is the heir to a mob empire, the most notorious in the whole of Seoul. Taehyung is a rookie sent in to infiltrate by his select team and bring the empire crumbling down."You knew the game and played it, it kills to know that you have been defeated."

Rating: M

Pairings: Taehyung (V) x Jungkook; Jungkook x Jimin; Taehyung x Jungkook x Jimin; Jimin x Yoongi

Wordcount: 390k+

➤ “Taste of Ink”

Description: Jungkook is a drug runner for the largest gang in the whole of Busan: the Sam Yong Pa. One day he bumps into a runner for a rival gang in the next district that has trespassed into their territory: a Geum Sung Pa boy called Jimin. Jimin has a friend, a goon for the rival gang. Taehyung beats people up for a living, and boy, does he look good when he’s doing it.But their blossoming friendships reignite old gang flames and causes the most brutal gang war the country has ever seen. Dragons destroy and stars explode.

Rating: M

Pairings: Jungkook x Taehyung

Wordcount: 128k+

☆ ☆ ☆ MissterMia ☆ ☆ ☆

➤ “The Songbird and the Sea”

Description: In a world where dominance of the sea is an endless battle between pirates and mariners, Park Jimin is content living in his little village on a small, uninteresting island by the eastern mainland. He wants nothing to do with the bloodshed of good and evil, the heartless killing of both innocents and condemned, the constant establishment and disruption of order. What he wants is peace, to live his life in the same town he was born in, to spend his days in the beautiful forest, and to use the powers of his Blessed Rune to nurture the home he loves so dearly.But when his island is attacked by pirates, Jimin will have no other choice than to do as they command and leave all thoughts of peace behind in favor of boarding the Agust, a pirate ship captained by the infamous Min Yoongi, Black Fox of the East.

Rating: M

Pairings: Yoongi x Jimin; Taehyung x Jungkook; Namjoon x Jin

Wordcount: 255k+

➤ “Sirens Quest”

Description: Park Jimin was never much of a gamer. He’d always figured if people wanted stories, they could pick up books. If they wanted fantastic visuals, go to the movies or, heck, go to a museum. If they wanted to interact with people from all over the world, well, they could just sign up for the foreign exchange student tutoring programme at their school.So when his father got him a copy of Cypher Legends for his twentieth birthday, he decided to try it out only because he knew he’d feel guilty if he didn’t. He didn’t expect much at all, hell, he barely expected to get through even an hour of gaming before he’d lose interest.He definitely didn’t expect to be completely captivated by the gorgeous, fantastic, endless world of Cypher, or to form some of his strongest friendships with the people he met there, and he most certainly didn’t expect it all to happen because of another player called Suga and the beautiful staff Jimin swore he’d get his hands on no matter what.

Rating: M

Pairings: Yoongi x Jimin

Wordcount: 5k+

#bts fanfiction #bts #fanfiction rec #bts fanfiction masterlist #reader x bts #reader x taehyung #reader x namjoon #reader x seokjin #reader x yoongi #reader x jimin #reader x jungkook #reader x hoseok #yoonmin #yoongi x jimin #vkook #taehyung x jungkook #namjin #taekook

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ryanellisphoto · 5 years

Photo

#152 — Saturday, March 2nd, 2019 — Ryan Ellis Photography - Detroit Street Photography Session #152 — Nikkor 24mm f/2.8 (ca. 1971) - Nikkor 55mm f/1.2 (ca. 1971) - Tokina 60-300mm SZ-X f/4-5.6 (ca. 19??)

Hart Plaza Shredded Flags - Bogeyed and Bug-Eyed - Street Preacher - Sunn Studio Detroit - Cameroonian Vacationers - Hart Plaza Flags - Harper Florist - Detroit Public Library - Detroit Institute of the Arts - Wayne State University Sign - Orange Yarn Mop - Roy R. Rowlands

Arrived @ 8 AM

Departed @ 5 PM

527 photos (and also 7 videos) taken in 9 hours with but 48 “keepers” among them, rendering a self-accepted 9.10% “success” rate at a leadenly 58.56 shots per hour (what I desire to achieve, at the least, as I cover the streets is a 10% “success” rate paired with a pace of 100 shots per hour).

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PREFACE:

A week ago (last Saturday), after my Detroit Street Session ended, I went to meet with my friend, Mr. E.P., to be a guest as he photographed folks in Highland Park at an old stamping factory. Before I knew it, I was informally assisting his efforts at his request by moving things around during the shoot, which was my humble honor. The next morning (last Sunday), at 4 AM, I awoke with the worst pain I have ever felt in my life. My neck (on the right side) felt as secure as a spiderweb thread strung above and across an inferno (my head holder was in the hands of an angry throb). I cried, though I did not cry well (crying is essentially impossible for me nowadays), and I wept like this without any comfort in sight. Ibuprofen helped somewhat in the coming days, and I healed a good bit (though noticeably not fully). I took time off work to heal, and I now face the prospect of quitting my day job on account of this horrific turn in my wellbeing. There was melancholy in imagining how I would hang a camera strap around my neck all day to do as I have done before. Today was my test. Could I keep coming back to seek my passion through the pentaprism? I thanked the Lord that it was Winter still. I thought that the cold might “ice” my wound. I wrapped two scarves tightly around my neck like a neck brace, and I took 400 mg of ibuprofen when I arrived (I could have taken more; I should have taken more; I wanted to see if I could face the pain). I made it nine-hours despite the pain, and I hope my “top ten” shots from the day are not just a point of pride for myself; I hope I still have it in me to make things others might like too.

S.D.G.

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PATH TAKEN:

Greektown - Over the past several weeks, at this juncture, I would have changed into my Carhart bib. It was around 25° F outside with 10 MPH winds in the morning, but yet it did not quite feel cold-enough to justify the extra layer. It ended up reaching around 33° F in the afternoon with the same winds. It was a beautifully live-with-able, climate-wise, day in the city I do not love (but am learning, ever so sluggishly, to appreciate).

Campus Martius Park

The Esplanade on Woodward Avenue - I experimented with my Tokina SZ-X 60-300mm f/4-5.6 lens, using the zoom in video mode to trace the light up signs on one side of Woodward Avenue reflecting on the windows of the building on the other side of the avenue. I also spied a scene with a Detroit firetruck and police cruiser with glorious steam behind them coming up from the manholes. Attempting to satisfactorily-frame a video clip with a 300mm zoom lens forces me to disdain my $20 miniature tripod and wish for a nicer alternative. There is an overpriced camera store an hour from my home that I treat like the last branch I reach for as I fall down a cliff. I suppose I will have to visit that shop soon if I am going to be able to rely on my gear to do more of what I want it to do.

Spirit of Detroit Plaza

Hart Plaza - The other day, I fell asleep with my iPhone plugged into a charger. When I woke up the next morning, both cameras on the phone (as well as the LED light) were no longer functional. As a photographer, this was a left-handed sword stuck into the gut for me, and I yearned to be able to post on my Instagram the continuation of the shredding of the American flags in Hart Plaza. I may email mayor Mike Duggan (Detroit’s seventy-fifth mayor) and a local news organization about this tattered American standard debacle.

Campus Martius Park - Last Saturday, in Highland Park, I met two men that were in the “Art Deco Society” for Detroit. Being a lover of Art Deco myself, I asked them an obvious question: “What is the greatest building in all of Detroit?” They were torn between the Guardian Building (my #1) and the Fisher Building (my #2). I walk by the Guardian Building just about every week, because it is in the heart of Downtown Detroit. The Fisher Building is a number of miles away in what is known as City Center (beyond downtown and even midtown). I decided then to hunt for the Fisher.

Fox Theatre

The LCA (Little Caesars Arena)

MOCAD

The DIA (Detroit Institute of the Arts)

The Detroit Public Library - There was an older gentleman waiting near Woodward Avenue for the library to open up for the day. He and I chatted for a minute, and I shared with him my antipathy regarding the otherwise breathtaking Italian Renaissance-style building that housed the Detroit Public Library. There were names etched into the Vermont marble near the top of the building, visible from Woodward Avenue. They were, from left to right: Aeschylus; Archimedes; Socrates; Plato; Cicero; Caesar; Aristotle; Epictetus. :—:— I was perplexed at the choices as well as the order in which the choices appeared. I do not know much about half of the named men. I do know that Socrates taught Plato, who taught Aristotle, who taught Alexander the Great. I was curious why Cicero and Caesar appeared between Plato and Aristotle. I was also curious why Alexander the Great was omitted from the listing. Certainly, Cicero was one of the greatest minds of the last twenty centuries. It is because of Cicero that I adore Latin (well, Augustine’s adoration of Cicero’s Latin writing is what made me start teaching myself Latin [it is said that to read Cicero in Latin is the closest one can get to hearing music through language]). The ultimate irony is that above the front door to the Detroit Public Library, these words are inscribed: “Knowledge is Power” :—:— I laughed with the man I met outside the library regarding what I thought was a silly disparity. How much did that building cost to erect only to have such a blunder (in my layman’s opinion)? I hope to go inside the library and seek the answer to this one day soon (I fully expect [or at least hope] to hear a sensible explanation to correct my unsatisfactory opinion of the selections and ordering of the names on the front of the library).

The Department of Mortuary Science (for Wayne State University) - It did not smell like anything outside of this building, but then again, it was a 24° F morning! Hahaha. This is as close to the Fisher as I could get. It was then 10 AM, and I had an 11 AM appointment to make with my pal, Roy. I took a photo of the yet-distant Fisher Building with my 300mm lens before releasing it from my sights. I will catch the Fisher another day!

University of Michigan Detroit Center

Mack Avenue

Milano Bakery - Arriving fifteen-minutes early, my security guard pal that looks after the bakery commiserated with me. I told him of my insane week that included the neck injury (much more craziness than what I recounted in this write-up happened, as happens sometimes). He had similar and crazier tales to trade with mine, and he left me with much encouragement. I always feel imbued with apotheosis (pretty good word) by such outright kindness; I dare say such treatment makes me a merry man (and to that, I say, “Let it be!”). Truth be told, Roy did not show much of a tan at all for having spent the previous two-weeks in Florida. He took his truck-mounted camper and Harley to a campsite in the panhandle part of the state. He met with a realtor and scoped a $150K fixer-upper in a $250K “working-class” neighborhood six-miles from the ocean. The area in which he hopes to soon reside is in the middle of several nature preserves and is largely devoid of tourists—for now (it is slowly being converted into a course of tourist traps). He plans to list his Michigan home in April and be gone not long after. I will miss him, and I told him as much a few times. He reverberated in kind in each instant.

Bert’s Market Place Jazz - I hopped in Roy’s red Mercedes, and we parked at Bert’s (I think of Bert, the owner, as the black Willy Wonka of Detroit [he is a man of wonder and universal kindness]). Peckish but picky, the two of us were; we skipped Bert’s and headed to get tea leaves at Rocky’s instead.

Rocky’s Nuts

Dearborn Fresh Supermarket - Roy took me to a favorite supermarket of his in Dearborn after complaining Rocky’s sold their loose leaf black tea for $20 a pound. It was $6 a pound at this place.

Urban Bean Co. - Roy and I had our regular beverages (he had an espresso [double shot]). I had an overpriced ginger drink.

Avalon Cafe and Bakery - I ran into a group of Cameroonian (central-African) vacationers here that were trying to locate B-Dubs. I volunteered to be their temporary tour guide to help them find the Victorian-Era (ca. 1840’s-1870’s) building that housed the largest Buffalo Wild Wings restaurant in America.

Buffalo Wild Wings - I photographed the vacationers here before heading back toward my car with the things I bought at Rocky’s. They had spent the day tracing black history through the city of Detroit. I hope their day continued with as much charm and glee as had been described to me by their chaperone.

Greektown - I had loose leaf teas from Rocky’s in a grocery bag clipped to my camera bag that I wanted to drop off at my car before making one last pass through the city. On my path back, a homeless man put a pair of brand new (still in its packaging) winter gloves in my face, offering to sell me them (I was wearing gloves at the time myself). I was disgusted. Someone likely had given those new gloves to him to keep him warm, and he preferred, rather, to make quick cash (possibly for his next score) off them. I had not seen any homeless folks yet in the day. Earlier in the week, to redirect my pain into a noble cause, I bought ten pairs of size 9-12 men’s long black socks from the dollar store that I filled with gospel tracts. “This man would have sold the socks,” I reasoned, and I walked away in sadness and bitterness having not given him anything but a brief scolding for crying wolf, as it were.

Donald “Sunn” Anderson’s art stand - For the first time in 2019, I saw my good friend, Mr. Anderson, with his art stand set up in Greektown. He told me about his brick and mortar studio space / store front and said I should check it out (it was nearby).

Monroe Street - I saw a man walking a bike down the sidewalk, which to me says “bad day” or “flat tire.” He looked familiar—like a homeless man I met last summer on a bridge in Eastern Market (also walking a [different] bike then). I asked him if his bike had a flat. He said no and added that he found the bike left under a bridge for three days and decided to take it as his own. I told him it was not his and that he should return it immediately. He said that a “known drug dealer” he knew claimed it, though the man refused to acquiesce it, since the dealer was mean. I figured the bike was stolen and that the “known” dealer was his dealer. I recalled how this homeless man told me last summer how he had just been released from a long prison sentence for a crime committed in his youth. The world had entered the Digital Age while he was locked up, and, by Providence, he had connected with a homeless service, called “Southpoint,” that provided training in computers, which resulted in his working for Dan Gilbert’s loan company. I hinted at our previous conversation from this past summer. The man claimed no knowledge of “Southpoint” and said he was never given such a job, though he admitted he was the man from last summer. He lied to me before as well as now! Feeling pity for the man, I gave him a pair of the socks I had on me. He snatched them from my hand and forcefully stuffed them into one of his front coat pockets. We parted ways, and my mind split under the weight of my naivety. I have told innumerable homeless folks since that summer meeting about this “Southpoint” resource that was nothing but a druggy’s deception.

Campus Martius Park - A faithful street preacher, named Reuben, was with his little boy plying his professed faith to the people passing his portable P.A. system. I walked up to him and told him I had great pictures of him if he would just send me a message. I handed him one of my business cards, and he smiled and apologized for not getting in touch before. I wanted to capture the man on camera before I left, so I started super close with my Nikkor 24mm f/2.8 lens and finished with my Tokina SZ-X 60-300mm f/4-5.6 lens (as zoomed in as I could muster). :—:— In my passage out I ran into a third “homeless” man with freshly-laundered folded blankets and a large smart phone and plenty of food atop a state-of-the-art walker. Judging by the quality and condition of the items he lugged, he seemed to have a home. Determined not to be fooled again, I rejected his pleas for monetary help and walked on by (albeit with a heavy heart at my coldness toward him).

Capitol Park

David Klein Gallery - I asked the kind folks at the gallery about the latest MetroTimes cover picture. It looked just like the Low Rider style of a recent showing at the gallery. They said they were not in cahoots with the magazine and lamented that fact, since it could have been excellent publicity for their recent Low Rider-themed gallery showing.

Campus Martius Park - I again photographed the street preacher and his young son. I wanted to get a shot of the two near one another with the son imitating his father. The shot in my “top ten” is as close to that goal as I could attain in the time I spent shooting there. I caved and gave the (”third”) homeless man a pair of socks, though when I tossed them at his hand, they fell short and hit the sidewalk, making him pick them up. This was an absolute accident, and I again felt bad (I am all too apologetic; am I becoming Canadian? The Windsor Hum must have buzzed my brains bonkers!).

The Hudson Site

The YMCA - Photographer, though I am, I do not look at everyone around me always. As I was on the lookout for Mr. Anderson’s brick-and-mortar studio space/storefront, a fourth homeless man passing against me in the sidewalk exclaimed at me, “Eastern MarkeT” (emphasizing the final letter in the word “market”). I looked up, startled, and I asked if he worked at Eastern Market too. He glared at me with the wildest eyes a mentally-drained man could manage, and I looked him up and down. He had on a coat that unzipped into a blanket that seems to be the universal winter uniform of Detroit’s homeless. Preoccupied with my goal of finding Mr. Anderson’s spot, I walked away without giving him another word.

Donald “Sunn” Anderson’s brick-and-mortar studio/storefront - I was amazed by Mr. Anderson’s storefront. His window art skills are fantastic.

Greektown - I saw the “fourth” homeless man (from just before) ahead of my planned path back to my car, so I ran up to meet his pace on the sidewalk and asked him what his outburst from before was about. He said I had told him there was work to be found in Eastern Market and that he had sought a job there to no avail. I apologized for his wasted efforts and told him he had done a great thing to get on with finding work for himself. I gave him a pair of socks, and he pocketed them with grace in his front coat pocket. I asked him where he was staying. He said he lived under a certain bridge. Our conversation continued through different topics. He said he had girl problems. Trying to peer-ify him, I joked back (referencing the famous Jay-Z song), “I feel bad for you, son!” The joke was lost on him; he blankly looked forward and kept walking. At right about that time, I reached Mr. Anderson’s stand and broke off to chat with him instead.

Donald “Sunn” Anderson’s art stand - I told Mr. Anderson that every self-respecting business in Detroit needs “Sunn” to shine upon its windows. He laughed. I was serious. There should be a campaign to get his art all over Detroit in this medium.

Greektown - Parting with Mr. Anderson, I caught up again with the “fourth” homeless man. I brought up his girl problems and asked what happened. He replied that a lady he had gotten with “bogeyed” him. Unfamiliar with what this meant, I asked for clarification. He loudly shouted some gibberish at me, at which point I locked eyes with a beat cop that happened at that moment in our walk to be to our right. I gave the policeman a bug-eyed look of pitying confusion about the homeless man’s outburst and walked onward. When out of earshot of the policeman, I told the homeless man that such an explosive response to a level-headed question was not socially proper and added that we were done for the time with our conversation.

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WHAT WENT ON ON THIS DAY OUT IN DETROIT?

I sought to find if I could shoot street photography despite my pain from an injury incurred exactly a week ago. I think I succeeded, though my mobility was limited. :—:— The torn American flags in Hart Plaza were still (and further) torn. Unable to post about them online at the time, I think I should email the mayor and a news organization about this embarrassment. :—:— I fell into four odd interactions with some of the homeless in Detroit today. I want to learn the best advice to pass onto them.

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⋰B⋰U⋰Z⋰Z⋰W⋰O⋰R⋰D⋰S⋰

“Inside baseball” concepts talked about in this Detroit Street Photography Session —

● Carhart Bib - I used to have to seek shelter from the winds and the cold more often when it got “bone-chilling” cold (~15° F) before I started wearing Carhart overalls on colder outings. This “bib” also lets you get low without dirtying your regular clothes underneath (as a tall fellow, I find extra goodness in lower angles).

● Mini Tripod - Get one. Get a good one that stays put when you set it. Learn from my mistake, and buy yourself a steady, sturdy mini tripod. I swear by mine any other time. You will get too much camera shake if you try to steady (by hand) a drooping (cheap, like mine) tripod.

● Art Deco - There are almost a dozen Art Deco buildings / structures in Detroit (The Guardian Building; The Fisher Building; The Penobscot Building; The Livingston Lighthouse; The Rackham Building; The David Scott Tower; The Federal Building; The Detroit Free Press Building; The Macabees Building; The Water Board Building). Art Deco as a style is marked by modernistic aesthetics made with luxurious materials and executed with precise and complex designs. The 1920′s may well be my favorite decade of all time, and so, I am head over heels that Detroit has so many glorious Art Deco remnants yet extant. For any photographer, I would assert, such pretty pieces make for great pictures. :—:— Wherever you find yourself shooting shots, know what is around you and why it is there and why it is important (if at all). To borrow a phrase found atop a not-Art Deco building in Detroit: “Knowledge is Power!”

● Digital Age - We are in the Digital Age (a name for the present era that our offspring may change in a lifetime [or in eight]). To be in the present means you have the past to play off of. The sixteenth-century super-genius, Martin Luther, thought he was beyond spoiled to have press-printed books to use for study (this was a vast improvement in convenience over enormously-expensive and rare hand-copied scrolls and books). We have computers (and who knows what else in coming years?). A great photographer that sells his (and his father’s) prints in Eastern Market gave me great advice when I asked for his best wisdom for pursuing photography. He asked me, “is that a digital camera you are using?” I answered affirmatively. He said, “you basically have unlimited shots, given the memory card’s capacity over and above any film camera roll, so shoot everything you want to shoot, and take multiple shots each time.” We are in the Digital Age. Be retroactive if you like, but know that there are liminal conveniences that may teach you as much or more than dated, sometimes less-convenient approaches.

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If you like what I do, consider supporting me on Patreon:

https://www.patreon.com/seedetroitlikeido

Check out my YouTube channel:

https://www.youtube.com/channel/UCmWGEXMZfJn5tutCOgK_dtg

I have a Twitter that has unique content from the rest of my social media accounts:

https://twitter.com/prayforryan

I have an Instagram that I am proud of. It has neat write-ups for my different works that also appear on my YT versions of the same videos. It also has photos and videos that appear nowhere else:

https://www.instagram.com/rellish3214/

✦ If you ever have any questions, feel free to email me. I am here for you. Email: [email protected]

.—.

| [X] |

_.==.__.“”“”“.______n__

d __ _____.-’ ’-. ________b

| [__] /.”“”“.\ _ D800 |

| // /” “\ \_) |

| \ \__/ // |

| Nikon `.__.’/ |

\====== `-..-’ =======/

`—————————’

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jacobhinkley · 6 years

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World’s Largest Cosplay Platform Built with Blockchain Technology

Steam. Twitch. Comic-con. Names usually associated with these 3 behemoths are usually around trivial games, streams and conclaves of people. However, these 3 platforms are a part of a much larger community–both in terms of revenue and the sheer passion.

Cosplay – which is usually defined as an art of dressing up as a character from a film, comic or a video game. The market has witnessed an unprecedented growth in terms of revenue means big business not only for corporations and media houses but also artists, cosplayers and enthusiasts.

The growth is evident by mainstream adoption, large-scale involvement, popularity on Social Media websites and conventional media as well as growing revenues and the increase in the momentum of development.

There are, however, a few bottlenecks in the industry’s growth – all of which have somewhat tamed the growth of cosplay market and disappointed the passionate artists in the community.

Of those few problems, revenue sharing, value actualization and the transparency in the community are the major hurdles.

To address the issues and the challenges faced by the economy within the cosplay-sphere, Cure WorldCosplay has announced an ICO of their own to channel and become the de-facto currency of the cosplay economy. The experts bringing the Cosplay World on blockchain are themselves cosplay proponents and aim to solve the issues faced by the relatively nascent industry.

Built on the blockchain technology, Cosplay Token (COT) will be used as a payment currency within the Cure WorldCosplay ecosystem, helping cosplayers without access to online payment methods be tipped for their content.

The real value is created in the Cure Protocol – players will also be able to create and distribute their own personalised coin with COT. This unique feature will bring power back to cosplayers and enable them to monetize themselves easily among many other benefits.

Since the onset of COT service, the community platform has identified five major challenges facing the economy within the cosplay-sphere, which it intends to solve –

Sharing of content revenue – Allocating smart contracts for better revenue management. No copyright issues or revenue sharing hiccups.

Access to settlement accounts – No need for additional settlement accounts or bank accounts. Quicker fund access.

Transparency and trust – Better identification, evaluation and safe exposure.

Value actualization – Receive evaluation by users and perfect your craft. Valuable market insights that actually garner praise.

Globalization of information – No loss in translation and a true globalized sharing platform for all arts. Better global structure of art-sharing.

Additionally, using the Cure WorldCosplay ecosystem, players will be able to create and distribute their own personalised coin. This unique feature will help bring power back to cosplayers, enabling them to monetize themselves and their art. Using these coins, the interested audience can tip players, make purchases, and allow cosplayers to develop deeper relationships with their fanbase.

Currently, the ecosystem plans on issuing coins for payments, tips, incentives and reputation–making the platform a one-stop shop for cosplayers and fans. The approach also steers clear from third-party platforms and gives the power to the artists and the creators.

The features as well as the issue-addressal offers an amazing bevy of opportunity to the already massive community of cosplayers in Cure WorldCosplay.

The community platform has its own photo-sharing social platform is available in 12 different languages, with more than 720,000 members from over 180 countries sharing their quality work, which up until now amounts to over 6.5 million images and counting.

Additionally, the community platform has over 430K social media followers, with 250K likes on Facebook, 170K followers on Weibo and 13K on Twitter. These metrics can help one ascertain the strong response that the platform is getting from the cosplaying community.

The dates for the Cosplay Token sale will be revealed real soon, where it will introduce its radical market approach to develop and bolster the cosplay economy.

For more details, please visit: https://cot.curecos.com/

The post World’s Largest Cosplay Platform Built with Blockchain Technology appeared first on CoinSpeaker.

World’s Largest Cosplay Platform Built with Blockchain Technology published first on https://medium.com/@smartoptions

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duaneodavila · 6 years

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Law School Professor Has New Murder Mystery About Genius, Influential Law Professor Who Is Suspiciously Just Like Him

Earlier this year, the conservative Edmund Burke Society at the University of Chicago advertised an event to discuss whether or not immigrants were “toilet people.” In the uproar, the group’s defenders sloughed off the controversy as “just a joke” and argued that there was no consequence to trafficking in this sort of rhetoric. After all, the Trump administration is to be taken seriously, not literally! That seems to be panning out…

Anyway, chief among the Society’s defenders was Professor M. Todd Henderson, who intended to make the libertarian argument in favor of immigration at the Burke event, but nevertheless felt the need to defend the vile promotional rhetoric and then whine like a toddler that people are too mean to conservatives — the real victims here! When one student astutely called out this hogwash, Professor Henderson took his bat and ball and went home, quitting Twitter in a huff and writing me a comically nasty email for chronicling the affair and noting the contemptuous trend of conservative professors to hijack the language of discrimination to vent their hurt feelings.

Apparently, that time away from Twitter has helped Professor Henderson write a murder mystery coming out in October called Mental State. Let’s walk through the publicity blurb:

When conservative law professor Alex Johnson is found dead from an apparent self-inflicted gunshot wound at his house in Chicago, everyone thinks it is suicide. Everyone except his brother, Royce, an FBI agent.

The victim isn’t usually the Mary Sue, so this book is already turning the tables on us!

Without jurisdiction or leads, Agent Johnson leaves his cases and family to find out who killed his brother.

Um, what happened to FEDERALISM!?!?! Don’t tread on me, Henderson!

There are many suspects: the ex-wife, an ambitious doctor with expensive tastes and reasons to hate her ex;

Several years ago, Professor Henderson argued that he was basically poor since he and his wife only made $250,000/year. The median household income in Chicago is around $66K, by the way. So given that the author doesn’t think $250K doesn’t lend itself to extravagant living, this doctor must have really wild tastes. Like fois gras force-fed whale meat or something.

academic rivals on a faculty divided along political lines;

Apparently, the contemptuous trend of conservative professors to hijack the language of discrimination to vent about needing “viewpoint diversity” isn’t just about their hurt feelings — they really think they’re about to get offed by their equal protection loving colleagues.

an African-American student who failed the professor’s course.

Oh I’m sure this plotline won’t be cringeworthy.

Charitably, this suspect may be heroically spared by the FBI agent after racist local cops finger the kid based on lazy investigating and racism, but even in that case we’re going to have a healthy dose of old-fashioned Mismatch psuedo-science about black students not being smart enough to pass law school. We’ve already had our fill of that from Penn Law’s Amy Wax resurfacing to spout off about the conspiracy keeping her from finding the first shred of evidence to back her bias.

As Agent Johnson peels back layers of mystery in his rogue investigation, the brother he never really knew emerges. Clues lead from the ivy-covered elite university and the halls of power in Washington to the gritty streets of Chicago and Lahore, Pakistan. Ultimately, Agent Johnson must face the question of how far he is willing to go to catch his brother’s killer.

Spoiler: the character who is exactly like Professor Henderson was the most important person in global politics when he wasn’t failing black students.

Mental State is about two brothers learning about each other in death….

No. No, it isn’t. It’s about one brother learning about the other in death. The dead brother isn’t learning anything. Unless it’s all been a setup and the genius, unfairly maligned, globally influential law professor faked his death, of course. But the marketing blurb wouldn’t give away the plot, would it?

We all hope the tales of Royce Johnson catch the literary world by fire. After all, Professor Henderson is barely keeping the lights on with his meager $250K over there.

Earlier: Crybaby Law Professor Quits Twitter In A Huff Over UChicago Immigration Slur Debacle UChicago Student President’s Letter Eviscerates Administration Over Repeated Failures UChicago Law Responds To Race-Baiting Student Event With ‘Fine People On Both Sides’ Schtick You Should Absolutely Read This Insane Law School Event Promo Calling Immigrants Toilet People Immigrant Student Rejects University of Chicago Law After Trashy Burke Society Response, School Responds With Mild Stalking UChicago Administration Doubles Down On Mocking Immigrants — So Much For That ‘Environment Of Inclusion’ They Said Was So Important Earning $250,000 Does Not Make You Rich, Not in My Town

Joe Patrice is an editor at Above the Law and co-host of Thinking Like A Lawyer. Feel free to email any tips, questions, or comments. Follow him on Twitter if you’re interested in law, politics, and a healthy dose of college sports news.

Law School Professor Has New Murder Mystery About Genius, Influential Law Professor Who Is Suspiciously Just Like Him republished via Above the Law

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topicprinter · 5 years

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The phone keeps ringing but you can't answer it. You are busy and can't focus on the important stuff that isn't urgent. You are running around putting out fires. Your lead time is increasing and a quick turnaround with great service is no longer your competitive advantage. You need some help.This is good news. It means the business is growing. Your concept has been proven. There is room for you in the market. You have an opportunity here. Making a hire is the next step.But hiring is the hard part and it's the part that many many businesses can never get right. It's what keeps small stressful businesses from becoming organized profitable businesses ready to grow. This is exactly where most small businesses get stuck and why it's hard to find a a local small business that answers the phone and can meet you tomorrow to help you solve your problems.Hiring is hard because nobody else will work as fast as you do. Nobody else will care as much as you do. They'll make more mistakes. They'll ask a lot of questions. We hear it all the time and could go on and on and on with the reasons this isn't an easy step.The first step is understanding that a switch in perspective needs to take place and your role in the company will totally change.You have to make the switch from laborer to manager. Just because you know how to do the job perfectly does not mean that you know how to train and manage others on delivering a consistent service to your customers.The job requires skills. The job requires experience. It's complicated to do. Okay I get that. Before you make a hire you need to do three things:1. Get comfortable charging more for your servicesFar too many business owners and operators undervalue their service and choose to compete on price because they feel like they have to get every customer that walks in the door.Let's make an assumption here and say that 50% of the customers in the market care only about the price and they are okay accepting a slow turnaround and/or shoddy service. You need to ignore these customers all together and feel perfectly fine turning them away and losing out on their business. Your service isn't designed for them.You can't get emotionally attached to a lead. You will lose leads. You will get turned down. You will have people try to haggle with you and stomp off in a fit of rage when you refuse to play the game. That is perfectly OK. You have to make the choice NOT to compete on price. Podcast episode 13 talks more about this.Your service is designed for people who are looking for quality service on a quick timeline and are willing to pay a premium for those things. So what does this mean?Its a numbers game. Converting 30% of your leads charging 50% higher is a lot better than converting 75% of your leads 10% above your costs. Play the game and stand by your guns. You will lose some customers. Thats expected. This is the hard work of building a scalable and healthy business.Charging more does a number of great things for your business. It allows you to pay your employees better and invest more in a more selective hiring process with background checks and more thorough interviews. It allows you to invest resources in managing them and making sure they have the tools they need to succeed. It puts some padding in there so you can step back and work on the stuff that is important but not urgent and delegate things that aren't in your wheelhouse. It allows you to focus on what you are best at and turn down business. It allows you to fire customers that are causing most of your problems.2. Simplify the job by breaking it down to its simplest form and removing non-essential tasksEven an amazing employee can't thrive in an environment where they are asked to do 30 things well. Take as much off of their plate as possible so they can focus on doing their main objective well and aren't spread thin among a bunch of different tasks.We learned this lesson the hard way at Storage Squad. We used to have a 30 item checklist on the back of the clipboard each of our employees carried with all of the jobs they needed to remember to do when servicing a customer. It ranged from customer service to box labeling to billing to loading to scheduling.They sucked at everything. Ivy league kids were failing miserably at delivering a consistent service to our customers. Our training was complicated and took a lot of time and energy. When we finally got an employee trained up and doing a decent job turnover would cripple us.We figured out we needed to simplify their tasks and take as much off their plate as possible. Instead of training them to be proficient (at best) at customer service we directed all of the customer service to a specialist who focused on doing only that job really well. We had employees focus on driving and loading the truck and instead of also having them unload and organize the warehouse we had a totally separate team do that. We had specialist employees handle the billing. We had someone off-site handle the scheduling and communication with customers. And on and on.When we simplified it they did much better. Training was much simpler. Turnover was easier to deal with. Average employees begin to thrive and we didn't need to find spectacular people to implement our system.3. Start by delegating the low-skilled aspects of the jobLooking at the big picture it's easy to think there is no way an inexperienced person could do the required task. But when you start to break it down and think about all the actual tasks you will be asking them to complete it often paints a different picture.I have a friend who is a loan officer and business is booming for him. He is extremely busy and works at least 70 hours a week but he is doing great and makes really good money. He is starting to bump up against the wall of what he can personally get done in the business. His lead time is starting to slip. He isn't able to devote the necessary energy to new leads to tie them down, etc.He runs his own branch and has a lot of autonomy and he has the freedom to staff his office based on his needs. We began chatting about this and he mentioned to me "I have to hire someone experienced in the home mortgage industry but that is expensive as the average loan officer in town makes about $70k a year."I asked him why he needed experience and he told me that the job is complicated and an inexperienced person wouldn't understand how it all works and that he doesn't have the time or energy available to train a new person.So I had him track his time at work for one day. He used the app aTimeLogger and we set up the categories. The top task for the day, which he spent roughly 3 of his 9 working hours doing, was "Compiling and completing loan applications to send to underwriting". This involves a lot of phone calls, emails and dealing with customers to get all the required tax returns and bank statements and the like ready to send off.So I asked him more about the process and we came to the conclusion that most of it is busy work. I asked him how long he would need to spend with me personally to make it so that I could help him and do 90% of the required stuff for that task without asking questions.He said if we went through 2 loan applications together in about 3 hours I could probably do enough to be a really big help and after about a week of experience and questions I'd probably have 100% of it down for 95% of his applicants.He makes $250k a year. The hardest part of what he does is make the sale. He is on the phone and in meetings with people earning their trust and convincing them to trust him with the huge life event that is financing a home.But he only spends about 25% of his time on the phone with leads and drumming up new business. The rest of it is busywork that he could delegate if he only simplified the ask and had the employee who makes $40k a year do a lot of it. It doesn't make sense for him to hire a high powered loan officer because he doesn't need help drumming up business. That is his strength. He needs help with the busywork and an inexperienced person would prove very valuable to him!---Why inexperienced employees can make great assets:Okay so now that you have a simplified job description and more cushion on the profit and loss statement its time to hire people to do your job and provide a consistent service to your customers. I suggest that you think long and hard about whether an experienced employee is REALLY required.I'm going to make some generalizations here. There are exceptions to this and every situation is different. But here are some things to consider and some of the reasons that I love hiring inexperienced people.Inexperienced employees COST LESS.You can get a recent college graduate for $45k a year that is pumped up and eager to learn and make a name for him or herself. Compare that to the high skilled person with 20 years experience that might need $100k a year to even entertain the thought.That is a BIG difference on the bottom line and leaves more money to hire more employees, invest in more marketing or buy more equipment that can help your business grow.Inexperienced employees often have LESS BAGGAGE.Somebody who just left a job where they were earning $100k a year likely lives in a $500k house and drives a $40k vehicle. Lifestyle creep is a big deal and it can be a bit stressful on someone who is paid on commission or takes a new job with an uncertain future.Inexperienced employees are OPEN MINDED and happy to follow your lead.Remember the systems you worked tirelessly to create? Remember how your employees are supposed to direct customer service to the customer service staff and do what you want them to do?Experienced employees often already know the best way to operate. They already know how to talk to customers. They already know how to do the job.A silly but great example is child care. My mother-in-law turned out to be the worst babysitter in the world and my business partner who had never previously held a baby turned out to be the best. How could that be?My mother-in-law already knows everything about childcare. She raised 3 children in the 80s and they all turned out fine.A lot has changed since the 80s. They found out a baby sleeping on its belly is dangerous. They found out water before the age of 4 months isn't good. They found out blankets are dangerous in cribs. The list goes on and on. Modern research has proven a lot of things wrong that were common practice in the 80s.My mother-in-law refused to listen to anything we said. She refused to respect our feeding schedule. She refused to avoid feeding water to the baby. She refused to be careful for allergies when introducing new foods because "I did all of this stuff when you were a baby and you turned out fine".Well things are different now and we have found a proven better way of doing things.On the other hand my business partner took notes and did everything exactly as we requested down to the T. He implemented our system and did exactly what we asked him to do without question. It was a dream!Inexperienced employees are ready and willing to listen and follow your lead. They don't have habits that are either good or bad. You can mold and form the habits however you like and in the most efficient way possible.Inexperienced employees are often eager to learn and grow and innovate.Similar to the last point but slightly different. A fresh, unfiltered outlook is often great. The new biased perspective can often bring up new ways of thinking and shed new light on problems or inefficiencies. Encourage employees to present new solutions to you in an organized way (before implementation). Make it clear that freelancing on the job isn't okay but recommendations are encouraged!The last thing here is that you should consider hiring based on SKILLSET and not experience.In a sales role for example I'd rather have an enthusiastic person who is a good communicator with no experience over an average communicator with 20 years experience at the same price point.These are the skills that are immensely valuable and very hard to teach:Communication - do they speak clearly and look you in the eye when they talk? Do they get their point across in an efficient, succinct and logical way? Miscommunications cost big money so this is critical.Positive attitude - enthusiasm and an eagerness to be alive is impossible to teach but its contagious. You want people like this around your customers and your other employees. It makes everyone more productive.Logical thinking - some people make bonehead decisions. Give them a pass the first time but you'll notice really quickly when someone just can't hack it on this front. Run some mock situations in the interview and see how they would solve problems. Make them think on their feet a bit and see what happens.Emotional maturity - being able to keep a level head and make good decisions under pressure is always a huge bonus. Things get stressful on the job and you can't have employees getting emotional and letting anger or stress influence their actions.Having a grumpy front line is devastating for team morale and also the customer experience. Don't put up with it.Overall hiring employees is a complex task and should be considered on a case by case basis. There is no one steadfast way of doing this that you should get attached to. Take these things into consideration and don't be afraid to attract and hire inexperienced employees but keep an open mind. Do what works for you.This isn't easy stuff. It takes setting aside time (that you likely don't have) to recruit, interview, hire and train. There will be turnover. There will be headaches. There will be questions. There will be mistakes. But it's the only way to build a business thats primed for growth in a stress free free way.--Sorry if you are tired of seeing my posts at the top of the thread. There is an easy way to never see another one. This works too.Join us over at r/sweatystartup if you like this or check out my podcast.

#/r/entrepreneur #reddit

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yourrainycollectorhologram-blog · 6 years

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Garrett Pennsylvania Cheap car insurance quotes zip 15542

"Garrett Pennsylvania Cheap car insurance quotes zip 15542

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My parents are buying me a used one for my birthday in a few months. I am suppose to buy the insurance for my vehicle though I was wondering about how much it would cost for a 16 year old? Also I have a daughter that would be riding with me most of the time, I dont know If that has to be added into the insurance cost of not? Im kind of clueless, thanks for your help!""

My insurance company doesnt want to pay!!?

I was struck by an uninsured driver on 02-10-11. Because the driver who struck me was uninsured I was forced to file a claim with my insurance company(Omni Insurance). The car was towed to CJ's collision at 6128 n beechwood Philadelphia, pa ,19138 on 02-11-11. Phone number 215-848-2836. On 02-14-11 Omni insurance sent out an appraiser to evaluate the vehicle. They then faxed an estimate on 02-15-11 totaling $5300 to CJ's collision shop. I went to the collision shop on 02-15-11 to sign paperwork giving them permission to work on my car. They then began the repairs. On 02-18-11 the insurance company then deemed my car a total loss. The vehicle is a 2005 Nissan Altima SL with 96,477 miles. The NADA value for the vehicle is 10,995. According to Omni insurance a car is deemed a total loss when the repairs reach 70% of the value of the vehicle. Omni insurance valued my car at 7,415. They then proposed a settlement offer of 5826.40. They deducted 975.00 in prior damages(which I disagree with) and 1000.00 my deductible. The settlement offer included 386.40 in sales tax. After negotiating on 02-28-11 they proposed an offer of 7835.30. The value they gave my car was 9255. Again 975.00 was deducted and my 1000.00 deductible. They including sales tax and tags/registration fee in the offer. I accepted the offer out of desperation because they also stopped paying for the rental car I was driving on 02-28-11. I work, attend school and have a child my schedule requires that I have a car so I paid out of pocket for a rental car until 03-07-11, expecting the payment to be issued to my lien holder by then so I could purchase another car. I contacted them on 03-07-11 inquiring about my payment and was informed they did not pick the vehicle up from the collision shop therefore they were not issuing a payment. The collision shop gave them a bill of 1750.00 for the repairs they did and the storage fees. The insurance company disagrees with this and refuses to pick the vehicle up and issue my payment. They have also stated this may come out of my settlement offer. The insurance company already has the title to the car and all the necessary paperwork to the vehicle but refuses to issue a payment. It has been a month since I filed my claim and I can no longer afford to pay for a rental especially since it seems I will have to purchase a new vehicle. The insurance company is low balling me and also forcing me to pay for repairs they approved then backed out of.""

How do you know the address of health insurance company??!?

On the insurance sheet for Band.. it asks Insurance company name: health Choice, then Address: and Phone: how do I know what it is?? There're different contact D:""

Insurance rate?

best insurance company in clear lake, houston""

Car insurance problems?

so I have a little situation with my car insurance company, so heres the deal, I bought a car a wild ago, it was on my brothers name and I was cosigner, we had an nsurance and everything, but then it broke, I couldnt drive it, so we canceled insurance, why pay if it doesnt drive? then I refinanced it and transferred on my name, I didnt tell the bank that the car is broken, but they wanted me to show them proof of insurance, which I went out and bought, because Im going to trade this car in and get new one, and I have no problem paying for new car, but now insurance company wants me to send them a proof of previous insurance. what should I tell them, so my premium wouldnt go up? should I tell them that I just purchased the car? because technicly It went on my name recently. Im lost""

Should my wife and I have to pay for your health insurance?

With my royalty checks, my wife's salary and bonus package (she is a Pharm D and a senior Vp at a large nationwide pharmacy retailer) we earn more than 250K a year and are considered Rich by Obama standards .We just paid off our student loans a couple of years ago. We live in a house well within our means, we have three children who we would like to put through University without them incurring debt like we had to. We save, have to drive older models cars and we have a very good but expensive health care plan. Basically we just made it we are in our mid forties. I mean I just got the breaks in my career that I have worked hard through lean years for. My wife was promoted two years ago. Why should we have to pay higher premiums in a national health system for the same coverage of someone else? Why would we be taxed more for earning more? We lived within our means, we don't carry credit card debt, w live in a 2700 sq ft house ( not huge by any standards). If we have to pay even higher taxes and even higher insurance premiums, then we will have to wait to retire three extra years ( or more) Why do we get punished for being industrious?""

Car insurance?

does your physical health affect your car insurance rates?

""NY plates & registration, but Connecticut Insurance?""

My car has NY plates and was registered in NY. I moved to CT, and have CT auto insurance. Is it okay to have auto insurance in the state you live but the car is registered and plated in another?""

How are my insurance rates gonna look if i....?

i'm currently 17 (18 april 8th) and i've been driving legally since last july (got permit oct. 2007). on my record it says i'm driving my mom's 98 chevy venture (minivan). my dad and i are getting a 5.0l v8 mustang from around '86 to '93 and are fixing it up for me to drive. my dad's worried that the engine is pretty powerful so insurance rates will skyrocket (which he obviously doesn't want to pay along with the awful mpg this car has). will my insurance rates lower, stay the same, go up a little, or skyrocket?""

Is auto insurance company required to pay for car rental AND tax?

i got hit by another driver. And, his auto insurance company pay for the damage and car rental. They pay $25/day for car rental. Is insurance company required daily amount PLUS car rental taxes if i choose to take money?""

How do I sue my car insurance company?

I was in a car accident in March 2008 in a parking lot. The insurance companies BOTH decided that we were 50/50 at fault for the accident. During this process I kept getting phone calls asking me to verify WHY a person not on my policy was driving my car at the time of the accident. I repeatedly corrected the insurance companies...yes BOTH of them...saying that I AM AN INSURED DRIVER and I was driving my car. I had no passengers. I was in an accident with another single driver with no passengers. Eventually it seemed like everything was fine. The claim closed on May 2 and I thought it was all over. BUT today, May 29, I received a letter in the mail telling me that policy is being cancelled because WE HAD REQUESTED INFORMATION REGARDING --------- AS THE DRIVER OF THE 03/27/2008 CLAIM. TO DATE, THIS HAS NOT BEEN RECEIVED. I have NO IDEA what they are talking about. He is the OTHER driver. However, they are pretty much ignoring my calls and emails. What can I do???""

Lookin 4 cheap car insurance!!?

how much does car insurance cost for a new driver (17 years old) in the uk???

Free Health insurance for College Students?

Is there any reputable programs that offer free health insurance to college students, or any reputable programs period where I could get health insurance? I was under my father's plan until this past year when our insurance was dropped because we were unable to continue paying for it. I work on a farm, which is not only dangerous, but does not pay well enough for me to maintain and fuel my vehicle, buy groceries, and pay for health insurance on top of college expenses. My university offers an insurance plan, but it is very expensive and I definitely cannot afford it...""

I need a form for allstate car insurance good student discount?

Garrett Pennsylvania Cheap car insurance quotes zip 15542

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.""

Will having to file a SR-22 with that state of Illinois cost me more in insurance?

Where can I get health insurance for an affordable price (out of pocket expense)?

I don't have any health and dental insurance. I would like to get one. Where can I get it at an affordable price? or which company is the best to get it from?

Rough Insurance Quotes (Guesses welcome)?

I am first in line for several used cars I'm considering. The only thing I'm worried about are insurance rates. I'm only 19 and I've had my license for less than 6 months. I will be signed on with my parents, and they are with Geico. The three cars I'm considering are a 2000 Ford Mustang, a 2004 Honda Civic and a 2001 Kia Rio. How much would you guess it would cost me a month/year to insure?""

I live in California and got a second offense for driving without insurance how much will this cost me?

Problem with insurance?

I got in an accident that I am not in fault. Basically I was stopped at the intersection behind the red lights. A car from opposite side ran the red light hit the crossing car and the second car spin and hit my car. I have full caoverage and fixed my car with my insurance and have my insurance claim the money from the first driver insurance company. I rent a car under my coverage and also pay $500 deductable to fix my car. Now is almost a month pass and I keep calling my insurance to know if they got paid by the other insurance and requesting to pay me back for rental and the 500. My insurance is telling me that they may not be able to get ever thing they might be get only the cost of the fixing my car. What should I do? Should I sue my insurance or not?

Health Insurance question?

So I just turned 18 and I will no longer be covered through Amerigroup so was looking at some Health insurances to buy. I know the deductible is the amount you need to pay out of pocket before the insurance will start paying, but how will the insurance know when you have payed the deductible?""

""Cars, insurances need some help here?""

say my father has a car and i want a car, if he buys me a car would i need my own insurance, or does he cover me?????""

Unemployment insurance in california?

Last year I was unemployed. To make a long story short, i took a job and was there for less than 2 weeks. I was forced to pray, and listen to scripture that was muslim. I am very understanding in all religions, but do not practice myself. I was very uncomfortable and left. EDD decided that i left without cause and that i did not deserve insurance. they made me pay back what they paid me and 30% more. I did so even though I didn't agree. Now that I am laid off again, I filled out a claim and got a response saying that I was eligible, and they gave me the forms to fill out for the first two weeks, the standard claim forn. I filled it out, and now got back letters saying that i am not eligible for benefits until i have filed a claim for each of the 5 weeks in which i am otherwise eligible for benefits. I haven't received new claim forms. I am assuming that I will get these, and I will fill them out for 5 weeks, and then they will pay me? So I am looking for clarification, after claiming 5 weeks they will give me my benefits? Thanks for your help, to anyone that has gone through this. It is so unfair! I paid them so much, for something I felt I was justified doing, and now I am still being punished! I would rather be working and not have to worry about this, but it is so hard to find a job :( not a great holiday.""

Please Find me good quote for car insurance for young drivers?

Car Insurance for Young Drivers Quotes

Can my car insurance just go up for no reason at all?

I have been paying $150 for my car insurance for the past year, but now my dad just told me that it went up and know i have to pay $250. Why is that if I haven't got into any accident or anything. Or is he lying to me?""

How much does car insurance cost in England?

I'm not used to private insurance companies with differing rates! Here are the details: - If I had an older, smallish car, say that cost 900 pounds - No spots on my driving record, been driving for 10 years, *but* - I've just moved to England from Canada - I want full coverage, 3rd party, fire and theft Any advice on who is more, or less, expensive?""

""Getting a yamaha r6, how much is insurance usually?""

Never had a bike, have a clean record, what does insurance usually cost on a bike??""

How much would my usaa insurance be?

I was pulled over for 3 violations (no license, insurance, and running a red light) and next year it will be 3 years. The court said they gave me 1 point on my license (I paid off my ticket because I couldn't go to traffic school). I read that insurance companies could see up to 5 years of your driving history. I plan on completing an online course to be certified. I've had my license for over a year. I'm a female in california, currently 19. I was wondering how much my insurance would be (I'll be under my parents usaa insurance) if I complete the course and wait until the 3 years are up. Serious answers only please. Thanks!""

How much does auto insurance cost in Orange County?

can someone please just give me a rough estimate of the cost per month for one car? Just a used sedan, nothing fancy. I am a single male with a good record. I know it would vary based on a lot of factors, but I'm just looking for a ballpark figure for cost per month.""

What is the cheapest car insurance?

I had State Farm but they terminated my insurace because of to many tickets, i herd Progressive was cheap, what do you think? I am 19 by the way""

""Where can u get the cheapest car insurance quote on the net or by phone, or any means nessesary?""

Where can u get the cheapest car insurance quote on the net or by phone, or any means nessesary?""

Does manual transmission increase your insurance rate?

i had someone tell me it did, but i just don't know about that!""

Can you get insurance on a vehicle if your license is suspend?

Do I qualify for my parents health insurance?

I have a job that offers health insurance at a price I'm in school I'm 22

""Dealt with car accident outside of insurance company, how can I chase up the receipt?""

On Christmas Day I went out in the car to pick up some drinks from the petrol station and on the way out of the station I bumped someones car. I stopped and got out to give them my details (name, address and phone number) and then went home. In the panic of the moment I think I just wanted to get home as it was Christmas Day and I didn't hang around to take photos, ask for witnesses or discuss options with the other driver, which in hindsight I regret and realise was stupid. When I got home, the guy called me up and, again with the stupid mistakes, I said that I would rather settle outside of insurance; the driver wasn't keen on the idea at first and wanted to settle through the insurance company but I couldn't call them until the next week as they were closed for Christmas. He texted me the next day saying that he was going to get a quote from a garage and got back to me later with a quote for 400 through a 'friend of a friend's garage'. At this point I was a bit suspicious and the amount seemed very high for what I thought was not a lot of damage but at the same time he said that he either wanted to do it like that or through the insurance and I really didn't want to loose my no-claims discount as insurance for young male drivers is very high without the no-claims. In the end I decided to pay him, not without a certain bitterness owing to the fact that he was pressuring me for an immediate decision, which also made me suspicious. Having sent the cheque for 400, he kept up communications initially and let me know that he'd received it. He said that he would send me a copy of the receipt from the garage for my records but once he received the cheque I never heard back and now cannot get a reply. Bit long-winded for a question but that's the background story, my question is two-fold: 1. Can I do anything about it? It's more the principle than the money that bothers me, I know that I caused damage to his car but I now suspect it wasn't as much as he claimed. 2. Does 400 sound like too much or should I stop worrying about it? I hit the back corner of his car with the back corner of mine, and he later told me that I had cracked the rear bumper, which needed replacing. I'm not sure of the make of the car but I think it may have been a Ford Fiesta or something similar. I would really appreciate any help as it's weighing on my mind... I don't like people walking over me. At least if the amount he claimed sounds reasonable I can put it down to him being a wanker but the amount claimed being fair and forget about the whole thing.""

Does an 800cc motorcycle's insurance cost much more than a 600cc?

I found a bike I was thinking about buying to learn on today. I like the bike and can't beat the price. I read on yahoo answers soeone said 750cc bikes are actually 749 b/c insurance goes up significantly after that. Is that true? I'm not getting the bike because I want a bigger bike, Id be perfectly happy with a 600 but its a good deal for this bike I found. Will i save alot on insurance and just wait to find a 600cc?""

Does every state require auto insurance?

What is the insurance on a 01 Celica gt?

like the cheapest quote? per month

Car Insurance Claim for a respray?

My Ford Galaxy 1998 has lots of scratches all over the body work. Some are malicious where someone has keyed the car, others are from where a car has parked next to me and scratched mine, but the most recent one is from when i reversed into a pillar and scratched the back end. The question i'm asking everyone is am i able to claim on my car insurance for the malicious scratches? For the damage done by another car that i didn't report? And also the damage i caused? I have 6 years no claims bonus (protected) will it be affected? and an excess of 150. Am i able to make a claim for all the damage or will i need to pay where i have damaged it? Any advice please.""

Garrett Pennsylvania Cheap car insurance quotes zip 15542

How much to insure a 2004 lincoln? g2 driver?

Im a new driver 21 male I just got my g2 today and I am looking to buy a 2004 lincoln LS v8 tomorrow how much should this cost monthly/yearly for me its going to be my first car and I want to mod it with a turbo charger will this increase my insurance thanks.

How does Obamacare increase health insurance premiums?

i've been seeing that they've gone up more when the reform was suppose to lower them. how exactly was obamacare suppose to lower insurance premiums?

Who offeres the best home insurance?

Insurance on a 1275 gt mini for a 17 year old?

My friend has just passed his driving test and I'm trying to help him get a car and insurance sorted. He's determined to get an old 1275 gt mini. I can see why though. I've been getting insurance quotes and they're all coming back at over 5,000 every time. I must be doing something wrong. I'm just wondering if any of yous could help me and give me an idea of what it would cost for a 17 year old male who's just passed his test on a 1275 gt? Thanks.""

Is proof of insurance required in California?

my accounting teacher challenged us and offered extra credit. He says liability insurance is not required in California and if i get pulled over and they ask for it, i can tell them that i'm only going to show license and registration and thats it. I can tell him legally i don't have to show proof of insurance. He was legitimate proof though. Help me prove him wrong please if he is indeed wrong. Thanks""

How to buy auto insurance with a permit? (CA)?

So I got my learners permit recently. My household does not own a car so mine would be the first. Because neither one of my parents hold a license, I would be practicing with other people and so the car would be to not risk damaging someone else's and get used to driving it for my driving test later in the year. I was wondering if it is possible to buy insurance under these conditions and if it would affect the price of the insurance.""

Can a 17 year old get their own medical coverage in California?

I'm 17 and live in California. I was wondering if I am legally allowed to sign up for my own medical insurance, like through MediCal or something, and not through my parents. It's a long story, but neither of my parents are able to provide medical coverage for me. And I'm not emancipated or anything. 10 points best answer. thank you ( :""

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?""

Why is the Affordable Care Act proving to be so Unaffordable ..........?

Why is the Affordable Care Act proving to be so Unaffordable for almost all concerned ? The Affordable Care Act has already caused over 4 Million People to lose their Health Insurance Plans because the Plan did not meet the mandates of the accepted Affordable care Act Insurance Plans The Affordable Care Act has already caused and is continuing to cause many thousands of employees to lose their Jobs through layoffs that Businesses/Companies are making in order to reduce the number of Business/Company Employees to below 50 in order that the Business/Company is exempted from having to purchase the More Expensive Insurance Plans that are mandated by Obamacare The Affordable Care Act has already mandated that everyone be enrolled in a Health Insurance Plan with medical benefits that many people don't want and/or don't need and these additional unwanted/unneeded medical benefits have caused many Insurance Plans to raise their Premiums for these additional benefits thereby raising the cost of premiums that Most Health Insurance that Most Subscribers will have to pay more for The Bottom Line is that thousands have lost their Jobs because of the Affordable Care Act + Millions have lost their Health Insurance Plans because of the Affordable Care Act + Millions More have had their Health Insurance Premiums raised in order to pay for the unwanted & unneeded medical benefits mandated because of the Affordable Care Act so.......................Why si the Affordable Care Act proving to be anything but Affordable ?

Would car insurance be more on a newer 2-door red sports car or an older 4-door sedan BMW?

Basically, I am a 20 year old college student and I am going through the proccess of buying a car. I have some family friends helping me out. They told me I could get financed for a 2006 red 2 door sports car but I am still on my parents insurance and I don't want it to skyrocket. I will be paying for my car but I don't want to make my parents pay a ridiculous amount for my insurance. I would just like to know which one is more likely to be cheaper...""

""Could you please help me to find a good and cheap private insurance in NSW, for a family of 3?""

Hi we are a family of 3, and looking for private insurance""

How much is insurance on a 2008-11 Honda Accord Coupe Ex-l V6 for a teen?

I want this car for graduation and I want to know how much would insurance be? I live in a small town

What happens if lie to your car insurance company?

So i dented my mother's car by hitting another car. i told my mother it was a hit and run and she told me she was going to have the insurance company take care of it. The dent on the car wasn't that bad but it was pretty noticeable but the car that i hit didn't have any dents, just a few scratches .So the owner of car came out and took a look at her car and she said don't worry about it and thats when she let me go. I was pretty shocked of how she handle the situation. So can the car insurance find out if I'm was lying? i told them that a scooter hit it. The dent almost looks like somebody through a rock at it. The dent doesn't really look like i drove it into a car. its a really small dent with little cracks.""

Does my mom HAVE to be on MY car insurance?

So here's the deal -- I am getting a new car soon and my mom wants me to get my own insurance so her bill doesn't go up (she normally pays $70/month, but once I was added to her policy the bill went up $85 -- and that was with just ONE car). And now that I am getting my own car, my mom knows that the insurance is going to sky rocket and that is why she wants me to have my own insurance. However -- according to all these insurance companies, my mom and I HAVE to add each other as drivers onto our policies since we live in the same household. My problem is this -- why is it that when I am getting a quote online and I add my mom as a driver (but have her EXCLUDED from the policy), the price is $1183 every 6 months, yet when I DON'T include her as a driver at all, the price drops down to $854? Do I HAVE to add my mom onto my car insurance even though she has her own policy with a different company and won't be driving my car -- ever? Seriously, the only time she will be in my car is when I am driving, and god forbid I do get into an accident, this insurance company covers myself and any relative that resides in the household. So would I REALLY have to add my mom onto my car insurance even though she won't be driving my car? I don't want to pay $400 more for someone who will never drive my car...""

Cheap car insurance I mean cheap?

Just passed my test and found insurance is massive, I need some kinda voucher or something to get to insure my car. Any ideas. UK ONLY""

What car insurance company provides the cheapest policies and best coverage?

""Car with fault, expensive to repair. can it be and insurance write off job ?""

If i had a car with a fault that was too expensive to repair, is there any way i can claim insurance writs off with insurers.""

Why do insurance companys ask how much you paid for your car?

When they don't want to pay that amount out ! Although you pay that premium.

What's the average car insurance cost in Ireland?

Hi everyone, I'm planning to move from Canada to Ireland next year and I was wondering what would be an average cost for a basic car insurance? I have had a valid Canadian G2 license for about 3 years, as well as a Romanian (EU) full license for 8 years. I'm 26. The car would be a small car, and the region either Dublin or Cork. I'm not looking for an exact quote, I'd just like to know what you are paying for your car and your experience, so to get an idea of what to expect. Thanks.""

What is the cheapest insurance group?

I'm 17, girl, doing my driving lessons and am planning to get a car soon. Not bothered which car, i just want a cheap, affordable one. I've been hearing about insurance groups recently which is confusing me because no one around me can adequately explain it. So, i just would like to know what the cheeapest insurance group is and if you could also please explain a little more on insurance groups so that i'm a bit more informed.. thank you""

Best Car Insurance For young Couple ?

Me and my fiance are starting to get estimates for major bills we'll know will be high (rent,car insurance, etc) What's the best car insurance for a young couple (20 year & 19 year old) for just basic coverage Im in the process of getting just a plain normal 4 door car like ford Taurus (1998-2000).. He has a ford 86' truck without 4wheel drive Neither of us have tickets, nor pricy sport cars But I've almost 20 and only been drving for 2 years (due yo bein homeschool, it was hard to get into drivers ed_) He's 19 and been driving less than year (cause hes school schule didnt allow for extra class like drivers ed)""

How much will teen car insurance cost?

Okay so I'm getting my license soon. How much will my insurance be approx

Life insurance?

Why should I buy a life insurance?

Average teen drivers insurance cost?

about how much would it cost to get insurance on a 16 year olds car? does adding it to the parents insurance make it less?

Cheap car insurance for young drivers?

Ok im 20 years old ands i expect to get my full licence soon. i think a Ford KA is my best option for price when thinking about purchase price, Insurance bands, TAX bands and repair costs. The problem is all the insurance company's i have looked at will charge me around 2500. Can anyone recommend any good insurance company's for young drivers. I have tried some price comparison websites none seem to come up with anything new.""

Garrett Pennsylvania Cheap car insurance quotes zip 15542

What is the average cost for car insurance?

What is the average cost for car insurance on a standard second hand car worth about 1,000 like a nissan?""

What is to stop people from taking the fines instead of paying for insurance?

it seems like they are not much different then a high deductible insurance plan

Car Insurance?

I am in the process of my my own car. I have been sharing my dads old car with my sister. I am 21, I got my licesnce when I was 18, and I have not yet had it three years. My dad called the insurance company and they told him it would be over 2600 paid in full because I have not had my liscence for 3 years, and in January it will drop. is this true, or does he just not want me to get a car?""

Window tints ticket insurance rates?

does a nonmoving window tint ticket , affect my insurance rates if i pay if off and keep the tints on, here my problem i am under my parents insurance plan and my dad would not let me keep my tints if i keep getting pulled over for them. i have alot of money and i just want to keep paying for the tickets. money is not the problem, i just want to know if i pay the tickets off will it show on my insurance or anywhere else?""

Where is the cheapest place to get motorcycle insurance in Michigan?

Its for a 2006 Yamaha R6!

Would a fix it ticket raise your insurance?

I just got pulled over for a minor issue. My tags were expired, but I had the new sticker and I just forgot to put it on. I got a fix it ticket and I was just curious if it would affect my insurance. I live in California.""

Should I change my Car Insurance company?

I am planning to renew my current automobile insurance policy. I am told by my current provider that in spite of my clean driving record, automobile insurance rates are rising. In light of developments and changes in insurance carriers, policies and regions, is this TRUE or am I being told a partial-truth ?""

I need cheaper car insurance.?

Alright, so right now, I have progressive car insurance and I pay about $190 a month. I'm 19, 20 in August. Have had my license for one year. no tickets, no accidents. old cheap car. I just want PLPD insurance that isn't so expensive. I've been told I'm paying too much. I've tried getting quotes from many insurance companies online. The insurace I have now is the cheapest I can find. I have my own policy.I 'm all on my own. Does anyone know where I could get cheaper insurance?""

What is the best motorcycle towing insurance to have?

I have a Yamaha 650 V-Star with spoke wheels and I tend to go on several hundred mile road trips. I did not had a flat in 6,000 miles of riding last year, but I want to be prepared.""

""How much to insure a 94 ford pickup w/ 120,000 miles for a 16y male?""

Numbers only please(no, well its alot or Get a quote online ) its gunna be insured either under a friend at 35+ or by my self. also some advice on what companies will take a 16yo alone would be very helpfull""

How to get cheapest car insurance by where you live?

Can I get insurance now that my wife is pregnant?

My wife is 35 weeks pregnant. I graduated from Respiratory therapy school this past spring. At the time my wife, son and I were on Medicaid. Now that I have a good job I make too much money and am going to get booted off Medicaid. Can we get insurance for my wife?""

What is the average cost for international health insurance?

I plan to go to china for a few years and would really like to know what the average cost to a major medical insurance policy.

How much does car insurance cost for teenagers?

how much would it cost to get car insurance. and dont you dare go telling me to go get a quote, i'll kick you in the nuts.""

Why do insurance companies base rates on credit?

Illness hurt our family financially but we recovered and are on the credit mend. Funny thing is we have never missed an insurance payment - nor have we lapsed policies. We have been steady insurance users for 19+ years now. Our driving records and insurance record is also clean. Why is it fair for insurance companies to use credit against you - when they can't possibly know the circumstances.

How much is the cost of delivering a baby in california without insurance?

Hi, i'm from the philippines, and I'm planning to give birth in california specifically in san francisco or los angeles where I have relatives. I wish to pay in cash but I would like to know how much discount I can get for a normal delivery or c-section. I hope you can provide me with organizations as well as their contact numbers that can guide me throughout the process within those area. Thank you so much.""

2nd job: Car porter+car insurance?

I want to get into a second job and the idea of being a car porter has popped into my mind! I was wondering if the company provides the insurance though, or if i have to provide my own. I know that it varies on location and the company if they provide it or not, but i still want to ask the general community for help! thanks for the help!!! :)""

Can i sue auto insurance company without using a lawyer?

i was rear end by another car and his insurance total my car and paid me the book value of the car. i went to physical therapy for about four months. i took x-rays and mri. the mri shows that i have a dislocation in my lower back. but the insurance company has refused to settle me for my injury. my lawyer told me that i should consult another lawyer to sue the insurance company. some lawyers i met are not interested in the case. can i sue the insurance company myself? if so, how do i begin?""

Free or inexpensive health care?

I dont qualify for medicaid and my job doesnt offer insurance...where can i get some good coverage for cheap?

May have a preexisting condition and i need affordable insurance?

i may have a preexisting condition i will find out monday ,anyway we are on a month to month with a high cobra premium and it is kicking our butts my husband's job closed after 20 yrs we both are not working and if i have a condition how do we pay for it, how can i get i get affordable health with no job .help somebody i feel for people i feel for everyone who needs health care and can't get it what a shame i pray that i am well and the doctor has good news for me so everyone please pray for a good outcome when prayers go up blessings come down and i need your prayers i love my yahoo family some people are rude but for the most part real decent people live here Sorry for my jumby words""

Would a grand prix GTP be unusualy expensive to insure?

the grand prix GTP is a 240 horse supercharged v6 with 280ftlbs of torque. how much would it cost to insure (like a lot, a little, average, that kind of thing; i know you would get mad if i tried to ask for a number)? what about the same question with a grand an GT (175 horse V6) and a grand am se1(170 horse V6) ok, as a seperate question, what if i told you i was a new driver, as i cant say the age on here... >:( that gets good grades and has no claims or anything... im guessing tens of thousands per month lol... Thanks!""

""2012, 17 Year Old Insurance?""

Looking to pass my test in Feb. (3rd) And all threads and posts I have looked at are from 2010 or something. Just wondering what the best sort of car is for my age and insurance provider and any tips to lower my premium as the lowest I have come out with was with elephant.co.uk at 2900, third party fire and theft on a citroen ax. Which is above my budget... Any Clues Anyone ? Thanks""

Best car insurance rates for male college student?

Hi, I'm buying a 1996 Corolla. It comes with VIPER anti-theft. I'm a male with one speeding ticket. How would I go about finding the best deal for car insurance? The best deal I got was from geico, the bare minimum plan I think, for $600 / 6 months. They also gave me the good student discount. The last owner of the car payed $300 for 6 months. Any tips and tricks to lower my insurance rate? Any other discounts that I can ask for? like a good student discount etc? I attending a University in Omaha, Nebraska, but live in Hawaii. Thanks""

How can i get my car insurance down i am 19 and i cant seem to get it cheaper then four grand?

i have a 1ltr vauxhall corsa club it is group 1 insurance i have no driving offenses point or illnesses the car has no modification and it is still 4000 pound and that was for a 10 month policy 395 a month will something like 400 deposit its just unfordable

How do you justify an insurance company raising rates by 39% for individual policies?

California insurance regulators asked Anthem Blue Cross to delay controversial rate increases of as much as 39% for individual policies, hikes that have triggered widespread criticism from subscribers and brokers -- and now from the federal government. In a rare step, the Obama administration called on California's largest for-profit insurer to justify its rate hikes, saying the increases were alarming at a time when subscribers face skyrocketing healthcare costs. http://www.latimes.com/business/la-fi-anthem-obama9-2010feb09,0,4384044.story""

Garrett Pennsylvania Cheap car insurance quotes zip 15542

https://www.linkedin.com/pulse/tennessee-insurance-broker-license-philip-alexander/"

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My health insurance is awful. It doesn't cover anything I need and I wonder why they'll offer so much to pay for one type of specialist, but none for another type. If they are willing to pay the money for one type of care, why does it matter if you want a different type of care, worth the same amount. Why does it matter what care you're getting? If you're sick, and need help, isn't that what insurance is for? Right now I need to see two doctors to treat bipolar disorder, but it's not covered at all. But if I see a doctor about my physical health, they'll pay 80%. My physical health is fine, all I need is payment for mental health therapy and medication. They don't pay for mental health medicine either. I've had the same insurance for many years before having this issue. I never actually used it, and now that I need it doesn't help me at all.""

Who is offering the best and cheapest car insurance in the uk?

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Car insurance question on a 2002 pontiac firebird?

so i might possibly be getting a 2002 pontiac firebird convertible. im a 17 year old female and it would be my first car. im going under my moms insurance because it will be cheaper. but being that is it a sports car does anyone know a round about on how much insurance would be? 10 points =)

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I am 16 years old and I have my drivers permit, is it legal to drive myself and my sister to and from school in my friends car without being on the insurance policy? its my friends dad car and I want to use it for school..""

Car Insurance policy?

I was buying home contents insurance a month ago, I realized that It could be bought altogether with some other extras like key protections, legal expenses and home emergency services. Today I am trying to buy car insurance, I wonder what extras car insurance comes with? Regards""

Financial responsability in California (auto insurance) ticket.?

So I was recently given a citation during a trip to Northern California. Here's the condensed version; I went out with a group of friends to have dinner and drinks. It was about 10 people altogether, three car loads. I was originally not one of the drivers (I flew in from Southern California). Several of my friends/acquiantances drank heavily during dinner. I was asked as a favor to drive one of the car and the car owner's home. The car I drove belonged to my good friend's neighbor. I received a speeding ticket during the drive to the neighbor's home (73 in a 65) PLUS no insurance!!! I informed the officer that it was not my car and that it belonged to the passed out lady in the back but he didn't care and decided to write me the ticket anyway. Now I've been told that I will have to pay for it ($988) plus my speeding ticket. I spoke with my good friend about it but the neighbor now refuses to go to court with me or write a letter at the least explaining the scenario.""

What is the cheapest car insurance?

Hi a question about car insurance companies .thanks?

Hi how long do the car insurance companies keep record of the phone call because it is a good proof for the people who insure their car ? thanks

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I live in Orlando, FL and i'm a non-smoking college student. Does anyone know of any cheap health insurance or even health discount plans that I could get on just to cover the cost of my Bipolar disorder meds and possibly a couple of visits to the psychiatrist? Yearly physicals and examinations I can handle, but this psychiatrist that I see is $200.00 a visit PLUS the cost of all of the perscriptions he prescribes to me. HELP!""

How much is car insurance in ontario?

im just wondering, how much would car insurance be for a 1st time driver whos 19 and have to do it all on his owe as nobody in the family has a car lol. i dont plan on putting a car on the road till i get my g2, what isnt for like another 10months haha so i have been saving money up, Im Thinking it will proly be around $400 a month but not sure so does anybody else in ontario know how much it is? ps.. live in belleville ontario canada""

How can i insure my car for 1?

just read somewhere on this site that you can insure a car for 1 surely this is a load of uncle tom cobbler? would be very impressed if someone can answer this question... seeing as my car is only worth 500 why should i be expected to pay almost that in insurance? it would get written off any way should i ever claim. cos being an olde banger insurance cost for parts and availability not as easy and quick to get.

I'm 17 just got my driving licence (UK) How can I get my insurance cheaper?

17 year old 1 day insurance?

Any insurance companies do 1 day insurance for 17 year olds?

I'm stuggling to find car insurance HELP!?

I'm 21 and i past my driving test in may 2011 and got my car in july, I was insured by swiftcover for 145 per month but then I become ill and had to leave work so I couldn't afford the payments and decided to cancell my insurance til I could get back to work, but when I tried to renew my claim with swiftcover then said their policies have changed and they can no longer provide insurance for people who have been driving less then 4 years! So now every other insuance company want around 250-280 per month and I just can't afford this. Do u know any cheap insurers that take on young drivers in the UK, HELP!""

Car Insurance Question?

How much would it cost to insure a used (2004-2008) Pontiac Grand Prix GXP (5.3L V8 305 hp) compared to a Pontiac Grand Prix GT (3.8L V6 260 hp) for a 16 year old male in Texas after successfully completing Defensive Driving?

""Does anyone know where to get cheap car insurance (Ontario,Canada)?

My husband and I just bought a car today and we have not applied for our insurance yet we are planning on applying tomorrow(if there not open) then Monday. Does anyone know of a good insurance company we just had a baby 2 months ago so we are really trying to save money if anyone knows a good place would you please let us know. Thank you very much.

New Car/ New insurance...need it immediately?

I will be buying a car on Sunday. I am under my parent's insurance right now but will be getting my own when I get the new car. Do I need to get the new insurance policy before driving the car off the lot? How can I do this without the VIN number? I live in Florida.

Avoid ticket in California for no proof of insurance?

I had just bought the car and was coming home and I got pulled over and I didn't have proof of insurance but I did have it. My mom got insurance whilst I was driving so when I got pulled over my car had been registered with Allstate but I couldn't have the paper because I didn't have a printer on the spot. I had insurance but no proof of it.

How much does Auto insurance cost in Mass?

I am moving to Mass, and am curious if someone can give me an idea about how much it would cost to insure a 97 Acura CL 4 cylinder car. I am having a hard time finding quotes online. Round about numbers would help.""

Average car insurance for new driver?

I'm 16 and I can get my liscence sooon... but I need to pay for car insurance... how much on average will I be paying for a 1996 camry?

""No insurance company will quote me, dckheads..?""

They won't even give me a quote... Ive tried all cars even 1.1L fiestas/corsa/clios and 700cc Smarts... wtf is wrong with insurers in UK. im 17, just got licence.""

How much more would my car insurance cost if I went from having a 96 honda civic to a 2000 BMW 328i?

I'm getting a 2000 bmw 328i... I have a honda civic already. My insurance was like 1200 for the whole year I think... already paid it in full. I'm 19, with no accident history, no speeding tickets, never arrested; I don't really have anything that would make my insurance go up to my name. I live in MA, so i guess I can't get gieco or allstate or whatever..""

Affordable car insurance for HORRIBLE driving records?

I am looking for affordable car insurance for a poor driving record. I have never gotten a DUI or anything like that but I have been caught driving without insurance a couple times. I also have had speeding tickets and my license suspended before. Now that I am older, I obviously see the consequences. I am currently insured by Gieco but it is over $450 a month! I am willing to pay up to $200 since I know my driving record is not pretty. Does ANYONE have any suggestions and WHY?""

First car accident - forgot to get insurance info?

I just got into my first car accident ever today. I have his license #, plate #, address, cell number, but I totally forgot to get his insurance info. The CHP officer did come and file a report though. Do I still need to get it or amI ok? Am I supposed to report to my insurance company now or wait until 5-10 days after the report is finished? Sorry, this is my first time so I don't know anything. My car is is a 95 Honda and he drives a Lexus. There were only some scratches on his car (very minor damages) and mine is pretty bad. Any advice would be appreciated. Happy Vday to me. =[""

Did you get Affordable Health Care?

My husband & I have insurance & it didn't change but my daughter & family got Affordable HC. Their previous insurance was $1,200 a month. They are now paying $325 so there's was a very positive experience. We're in California. They had a really hard time getting into the wed site but persevered & are happy with the plan. It covers their eldest son who is in college & has Type I diabetes & their youngest son who suffers from asthma. Does anyone else on YA have a positive experience to share? What State are you from.""

""16 year old guys, how much do you pay in auto insurance every month?""

im tired of filling out online quote forms, just so it can tell me to call a customer service rep. i dont even have a car yet, but im planning on getting one, and im just wondering what the average for 16 year old guys is for auto insurance how much do you pay for insurance per month, how old are you, what do you drive? is it like $150, $200, $250, $300""

prudential life insurance

https://www.linkedin.com/pulse/gary-west-virginia-cheap-car-insurance-quotes-zip-24836-jessica-price/"

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okgooglenews · 6 years

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Girl's Death Blamed on Wild Storm That Pummeled Tri-State, Left 250K Without Power - NBC New York

NBC New York Girl's Death Blamed on Wild Storm That Pummeled Tri-State, Left 250K Without Power NBC New York An 11-year-old girl died when a tree toppled onto a car outside her house in Newburgh as her mother was unloading the car during the storm. Michael George reports. (Published Tuesday, May 15, 2018) ... and more » http://dlvr.it/QT26lq

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robbindriscoll4-blog · 6 years

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What may Be The Best Runescape Skill?

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bisoroblog · 6 years

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[Big Collection Real Estate] Real Estate Web Academy – Great Real Estate Giveaway

[Big Collection Real Estate] Real Estate Web Academy – Great Real Estate Giveaway Free Torrent,[Big Collection Real Estate] Real Estate Web Academy – Great Real Estate Giveaway Download Torrent

[Big Collection Real Estate] Real Estate Web Academy – Great Real Estate Giveaway

This is an enormous grab bag of Real Estate gurus…

No, it’s not Christmas yet, but you’d think it was…

100+ of the top real estate and wealth-building experts in the world have joined forces to give away some of their best tips, strategies and techniques for making moolah in the real estate business.

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This has NEVER BEEN DONE BEFORE… as a matter of fact, a lot of the “big name gurus” laughed and said they wouldn’t participate. Goodie for you, because most (the non-tightwads!) did!

It feels like Christmas came early for us! Why is that?

THE GREATEST REAL ESTATE GIVEAWAY!

Adam Steward – presents Dr. Russell Conwell’s Success Classic “Acres of Diamonds”

AJ Peudan – How to Coach a Fish: 12 Weeks of Incredible Coaching

Al Aiello – 11 Powerful Tax Strategies for Real Estate Investors

Alan Brymer – This Market Stinks: 12 Experts’ Strategies for Surviving & Thriving in a Slow Real Estate Market

Alan Cowgill – Private Lender Tips and Tactics PLUS How to Get All the Money You Need to Buy Property

Alan Kosinski – Successfully Getting Started in Real Estate

Alan O’Brien – 7 Tips from 7 Expert Investors: 7 Ladies and Gentleman that ROCK Real Estate

Alex Pardo – Even Stupid People Can Do This- Simple Methods for Finding Buyers in Any Market!

Barry Grimes – Real Estate Jobbing 101

Bill Duquette – 2 Day “Secrets of Subconscious Influence” Boot Camp

Bob Massey – Put Your Real Estate Investment Business on the Fast Track to Massive, Low-Cost Lead Generation.

Brenda Ayala – Real Estate Recipes: My Recipe for Success in Real Estate

Bruce Mack – 50 Mistakes Not To make with Your Credit

Caryn McKinney & Mark Klee – Make an Easy $100,000 in the Next Ten Months..

Dan Auito – Congratulations on taking your next step in understanding real estate.

Dave Candle – The Loan Guru Reveals How You Too Can Get $80-250K in Credit at 0% Guaranteed

Dave Lindahl – 27 Ways to Buy Multi-Family Property with No Money Down

Dave Reynolds – Mobile Home Park Investing with Expert Dave Reynolds

David Corbaley – Make Killer Money in a Down-turned Market Without Buying and Selling Houses

DC Fawcett – My students are cashing huge checks in their foreclosure businesses

Dean Edelson – The 6 Critical Keys to Short Sale Success

Don Fullman – The ‘Tax Liens Guy’ Reveals How You Too Can Get 18-36% Passive Secured Returns

Doug Ottersberg – The Automatic Success Attractor

Doug Smith

Dreama Lee – Co-Founder and President of SaveMeFromForeclosure.com, LLC.

Dustin Mathews – Discover the secrets TO GETTING massive lines of business credit

Ed Rooney – Find and Negotiate Properties that produce $50,000 to $75,000 profit in just 45 Days

Emerson Brantley – You Don’t Have to Tear Down the House to Remodel the Kitchen!

Ephren Taylor – 3 Simple Steps to Multiply Your Retirement Income with Federally Approved Programs

Eric Bergman – Quick Start Guidebook of How to Build a Profitable Real Estate Investment Business

Frank Curtin – The Mortgage Survival Guide

Frank Jreij – Mastering the Funding of Your Real Estate Investments with Private Money

Frank Rolfe – Making Money in Billboards Case Study

Geoff Nowlin – Unique No Money Down Strategies that Work in Today’s Economy

George Cappony – Special Report: Sell Your Home in Under 2 Weeks in Any Market Conditions

Greg Clement – The Freedom Manifesto: Become a Modern Day Treasure Hunter

Heather O’Brien – How Do You Want to Play Real Estate?

Hunter Paschall – 5 Part Insider Foreclosure Ecourse

Jack Bosch – Land for Pennies Audio

James Bridges – Automated Real Estate Agent Leads ebook

Janet Fish – Paradise by the Slice: Realize Your Dreams Through Fractional Real Estate

Jason Gilbert – Millions Await Your Venture Into Commercial Real Estate the Easy Way

Jeff Vacek – get more with less

Jon Bolton – BuyAware Inspection & Negotiation Nuggets

Joseph Bridges – Automated Real Estate Agent Leads audio

Josh Cantwell

Justin Lee – Pre-foreclosure Marketing Tips Book and PreForeclosure Investing 2.0 Ebook

Kathy Kennebrook – Real Estate Success Principles: Your Personal Path to Prosperity

Kenny Rushing – Top 10 Real Estate Secrets Exposed

Kent Clothier – Real Estate Marketing Strategies for Today’s Changing Market

Kevin Wessell – Build Your Financial Castle

Kristy Welsh – Good Credit is Sexy

Ken Van Liew – The 59 Primary Reasons why Developments Fail

Kimberlee Frank – Even You Can Be a Local Real Estate Guru Audio

Larry Benet – Connection Mastery Audio for Real Estate Investors with “The Connector” Larry Benet & Expert Than Merrill

Larry Goins – Twelve Deadly Mistakes Even Experienced Investors Make and How to Avoid Them

Larry King – Larry King Interviews 4 Real Estate Successes on Their Secrets

Lee Phillips – Protect Your Assets with Two Great Tools, Part I

Loral Langemeier aka “The Millionaire Maker,”

Lydia Trotter – Selling Real Estate on eBay Tips and Techniques

Marcia Wieder – 3 Ebooks: Taking Time, Living the Rich Life, and Accessing Your Power

Marshall Sylver

Marty Schulting – 3 Ebooks: Short Sales 101, Short Sales 401, and Short Sales 401

Mark Walters – How to Find Millions in Private Money Loans: Cash for Real Estate Deals

Mathew Landry – How to Buy Foreclosures

Michael Helgeson – Top Secret Report for Real Estate Professionals and Entrepreneurs: The Greatest Marketing Secrets of the Millennium

Mike Warren – How to Make 37% Tax Free Without the Stock Market

Nathan Big – The Ultimate House Selling System: How to Sell Any House in 36-hours & Get Top Dollar in a Slow Market.

Nathan Jurewicz – Make More Cash Next Month than the Average Wage Slave Will in 3 Years

Nick Cifonie – Now You Too, Can Have A FREE Membership to Real Estate Investing!

Pat Gage – The 47 Day Blueprint to Raising Unlimited Capital for your Company Business credit

Pat Martin – 5 Steps in 5 Days to Make 5K

Patrick Grom – Working with Pre-Foreclosures: The Guide to Successful Short Sales

Patrick Snow – Creating Your Own Destiny- Special Real Estate Investors’ Recording

Ray Ritchie – How To Sell Your Home In a Down Market In 13 Days Without A Realtor On A Pauper’s Budget

Roger Salam – How to Not Only Survive but Thrive in Today’s Market By Creating the Ultimate System for Selling Houses Fast

Robert Skrob – How 8 Real Estate Investors Built Multi-million Dollar Businesses Publishing Real Estate Investing Courses and How You can Do it Too!

Ron Black – Turnkey Leaseback Investing Secrets Revealed

Ross Hamilton – Automate Your Real Estate System

Sal Vannutini – Fixer-Upper Fortunes: How to Make Big Profits from Fixer-Upper Properties: Quickly!

Scott Meyers – Top 10 Reasons to Invest in Self Storage!

Sherry Watson – The Power of Grant Money for Real Estate Investors

Steve Cook

Steve Gillman – How to Save Thousands Buying Your Next Home

Stew Spence – Survive Foreclosure and Come Out On Top

Terry Nichols – Credit Secrets Ebook

Tim Watson – Make 50K Part Time in 10 Hours a Week as a Property Maverick

Todd Morgan – 50 Streams of Income in Real Estate!

Tony Saccaro – 5 Secrets to Drive Traffic to Your Homes Through Video Marketing on the Web

Tom Nardone – Get Huge Checks Buying & Selling Houses!

Tom Zeeb – 7 Secrets to a $100,000 Pay Raise Ebook and Secrets of Power Negotiation Audio

Trace Trajano – How to Find Foreign Funds- Global Private Lenders

Velpeau Thomas – Remote Control, Never-Leave-HQ, Completely Automated, Hands Off,Virtual Commando Real Estate Investing

Wyn Cole – The Supreme Guide to Home Security- Real Estate Investors Edition

[Big Collection Real Estate] Real Estate Web Academy – Great Real Estate Giveaway

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perfectzablog · 6 years