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jooliargh · 4 years

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How I made a habit stick and lost 3kg

Content warning: weight loss; calorie counting.

If you find this article interesting and decide to use a similar method to lose weight, please get proper advice from a doctor or dietitian. I can talk about habit forming, but I'm not qualified to say what is safe or healthy for you to eat.

This isn’t really a weight loss blog, because what could be more boring or unnecessary than a weight loss blog from someone only a few kilos overweight? It’s a blog about how I built some better habits, and found a system for sticking to them that worked for me. But in the first couple of months of lockdown I was moving about less than usual and probably eating a bit more, and the effect of those things was gaining weight (specifically, my jeans were getting tight). So the habits I needed to build were to move about more and eat less.

(For what it’s worth, I find it helpful to think about weight gain and loss as effects of different eating habits rather than problems or goals in themselves since I read Gillian Riley’s excellent book about food addiction Eating Less.)

The Problem

In my job, sometimes when we start a piece of work we use a set of questions something like this:

What problem are we solving, for whom?

How do we know it’s a problem?

How will we know if we’ve solved it?

My answers were:

I’m eating too much and moving about too little, which is bad for my health, which is a problem for me. Also, I want my clothes to still fit.

My jeans are getting tight (even my ‘comfy’ jeans which I wear on days when the others are too tight)

When I’ve adopted better habits that lead to me comfortably being able to fit into my favourite jeans

At this point I needed some science, which meant thinking about calories and weight for a while. I reckoned my jeans used to fit pretty well when I was about 3kg lighter so to achieve that, the energy I used (from moving about) needed to exceed the energy I consumed (from food) by about 22,500 calories in total. Whether it took me a few weeks or a year to create that difference didn’t matter.

The Science Bit

Caveat: I got a D at GCSE Science.

When I talk about calorie deficit, I’m not talking about someone else’s idea of what I should or shouldn’t be eating or how much I should be moving. I’m talking about physics: what goes in needs to be less than what comes out.

Side note: Did you know that when we lose weight, it leaves our body via our lungs? Yes, there’s wee and poo and sweat and stuff, but fundamentally when we ‘burn’ energy we turn oxygen into carbon dioxide. The air we breathe out is very slightly heavier than the air we breathe in, and that’s where the weight goes. I only found that out a few years ago and it’s still one of my favourite facts.

So for me, a 47-year-old woman, 5′3″ tall, weighing 69kg and working at a desk all day, on average*, I’d be burning about 1600 calories a day. (That number is different for everyone. And it makes me wonder where the 2000 calorie target for women on food packaging comes from, because I’m fairly average size for a woman.)

If I go for a 2 mile leisurely stroll, I’ll burn about 150 calories. (Click the link to work out your numbers because they’re probably different to mine.) So if that same day I get 1400 calories from food and drink, I’ll create about a 350 calorie deficit.

The System

I made up a card with 75 empty circles on it. Each circle represented a 300 calorie deficit. (75 x 300 = 22,500, my target from earlier.) When I’d filled in all the circles, I should be 3kg lighter.

To add some accountability, I decided to use different colours for different days of the week. That way I’d want to fill in circles most days, and it might help me spot patterns. You can see from the key at the top of the card, Monday is red, Tuesday is orange, and so on. So if on Monday I ate 1600 calories and used 1900, I could colour in one red circle. If on Tuesday I ate 1200 calories and used 1800, I’d colour in two orange circles. As you can see here, I started with a 600 calorie deficit on a Thursday. (I actually started this experiment on a Wednesday, but ended up eating about the same amount of energy as I used, so didn’t get to colour in any circles that day.)

If I ate 300 calories more than I used on any given day, I’d have to add an empty circle to the bottom of the card. (If you zoom in you might be able to see some very feint circles I printed out for this purpose.)

I've tried numerous ways to be better in control of my eating or exercise over the years and I’ve learnt a few things about what works for me and what doesn’t. This felt like it had a good chance of succeeding because:

I like having data, and I like data to be visible. Graphs, charts, etc. are all good.

I like to see progress. The bathroom scales are a bad measure day-to-day for me because on a traditional diet, what I gain or lose in hormonal and other random fluctuations can be more than I’d target to lose in a week. Colouring in circles should be a good measure because, even though my goal is better habits and not weight loss per se, as long as I don’t cheat, regardless of what the scales say on any specific day, every 300 calories of energy I use that I don’t replace with food will result in me being one step closer to my jeans fitting.

Things which rely on all-or-nothing thinking don’t motivate me very much. e.g. the Seinfeld Method where you have to avoid ‘breaking the chain’. I need to be able to have off-days and to be able to get back on track the next day. If I feel like I’ve failed at the whole task because of one slip-up, I’ll inevitably slip up and won’t continue.

I like stationery and have a lot of Sharpies.

If I had to draw in extra circles because I’d eaten more than I’d used in a given day, it would be a rough, hand-drawn circle and would stick out like a sore thumb from the neat printed circles. I like neatness, so I probably wouldn’t want to do that. (Please don’t look too closely at my colouring in.)

Measuring

Most fitness trackers will try give you some sort of estimate of how many calories you’re burning each day. I have a Garmin Vivosmart 4 which measures heart rate, so it should be fairly accurate. But most Fitbits and similar devices will do it, and if you don’t have one of those, MyFitnessPal and various other apps will give you an estimate which should be close enough to get you started. I’ve also included links to my own estimates from Wolfram Alpha in The Science Bit above, which are very close to what I get from my tracker.

Without a tracker, background activity level (walking around, physical effort involved in housework or childcare or whatever) you’d have to estimate based on whether you’ve had a ‘sedentary’ day, light activity, etc. Being anything other than as honest as you can gains you nothing. As for specific activities (going for a walk), there are tons of places online you can get estimates for walking, running, swimming etc. Any estimate which doesn’t take account of your approximate weight is close to useless, so bear that in mind. There’s no real need to weigh yourself frequently or accurately, but you do need a rough idea of what you weigh to know how many calories you’d burn by, say, walking two miles.

As for energy coming in, I kept a food diary using MyFitnessPal. The free plan does everything I needed for this exercise. Pre-packaged food comes with a calorie count, but especially in lockdown, where I was making more stuff from cupboard ingredients, I was using the meal and recipe functions and having to weigh things. It’s a hassle, but only a minor one.

What Happened? Did It Work?

Yes! Here I am, eight weeks later, sitting comfortably in jeans that haven’t fit me for a few years. I realise 3kg in eight weeks is hardly headline-grabbing stuff, but the point is it worked for me, where all the headline-grabbing weight loss plans just don’t.

Confession: for all I try not to think in terms of weight loss, I do weigh myself most days and I do collect data. Above is the chart from my Wifi bathroom scales, because of course I have Wifi bathroom scales.)

But more importantly, I’ve changed my habits:

I’m being more mindful in my food choices. Do I want a snack after lunch, or do I want to colour in another circle? If I’m genuinely hungry I haven’t been depriving myself, but a couple of times I’ve planned to eat something and then... just decided I wasn’t bothered.

In the first weeks of lockdown I’d developed a bit of a biscuit habit. But within the first few days of this experiment, I’d find myself in the kitchen, thinking about taking a chocolate chip cookie, and deciding not to because I didn’t want to sacrifice a circle for the day.

I’ve been walking absolutely loads. A long walk on a Sunday means I can have croissants and jam and an oat mocha for breakfast and still eat a decent sized dinner. And now a walk has become part of my weekend routine, I miss it if it doesn’t happen.

I’ve been getting up at 7am to walk 4km before I start work each day. I listen to podcasts when I walk so if I skip days then I feel like I’m missing out on my podcast time.

Chocolate raisins are my weakness. There have been a couple of times I’ve gone for a 40 minute walk just so I could ‘earn’ some chocolate raisins. This probably isn’t entirely healthy in terms of my eating addiction, but still healthier than just eating the raisins and not going for the walk.

I think what I’m saying is it’s taught me to make better choices. This is also a big theme in Eating Less - that putting all our focus on weight is unhelpful because anything I do today takes a long time to pay back in terms of a noticeable improvement in my weight. But hour by hour I can make better choices about what food I eat and how much I move about. This system lets me see the effects of those choices the same day. The circles don’t lie - if I create a 300 calorie deficit 75 times I will be about 3kg lighter, however long that takes. I’m holding myself much more accountable for those choices than I would be if I didn’t see the outcome for a few weeks.

Not Just For Calorie Counting

I’m telling you about my calorie deficit journey because that’s the change I needed to make and that’s why I built the system. But you could easily use the same system for any consistent change you want to create. These are the things that I think would apply to building any new habit:

It gave me near-instant feedback on the results of my choices.

It provided visible evidence of progress toward a goal, where progress might not otherwise be discernible immediately.

It doesn’t fix a timescale. It didn’t matter to me how many weeks I took to fill in the circles. Of course I wanted to get there sooner rather than later, but if I had a bad day or a bad week, there was no reason for it to derail me.

I wasn’t showing the card to anyone else, so I was accountable only to myself. There was no point in cheating or lying to myself because it wouldn’t gain me anything.

I found colouring in the circles surprisingly motivating. I’ve always been sceptical of ‘star chart’ type trackers because of the public element. But even though nobody else saw it, I was still disappointed on the days I couldn’t colour in a circle.

Other uses I can think of, off the top of my head:

Being more active: one circle for every two miles walked - if you change nothing else in your life this will make a difference

Decluttering: one circle for every shelf, cupboard or drawer cleared out

Study schedule: one circle for every half hour of study

Guitar practice: one circle for 20 minutes practice

You get the idea. If you try this, let me know how it works out for you.

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johnmauldin · 6 years

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MAULDIN: 20 Positive Trends That Will Make You Feel Good About the World in 2018

I’m probably one of the most optimistic people you will ever meet. I’m confident in the future of humanity. But I also recognize that we must overcome many challenges to get to the future we ultimately want.

In other words, I try to stay balanced.

For whatever reason, we tend to tune into bad news more eagerly than we do good news. The media is partly to blame, because murders, fires, and nasty weather sell advertising. But something deeper is at work.

It’s an instinctive bias toward watchfulness for danger. This behavior makes perfect sense as the consequences of ignoring bad news are higher. On the other hand, it distorts our collective perception of reality, which creates all sorts of consequences.

Overcoming this bias takes an intentional effort, and to mark the holidays, I’m going to help you do it.

I ran across a great list from the Future Crunch website recently: “99 Reasons 2017 Was a Great Year.” Here, I’ll list some of the best things that happened this year and add my own comments.

Breakthroughs in Medicine

1. This year, the World Health Organization unveiled a new vaccine that’s cheap and effective enough to end cholera, one of humanity’s greatest-ever killers. New York Times

2. Cancer deaths have dropped by 25% in the United States since 1991, saving more than two million lives. Breast cancer deaths have fallen by 39%, saving the lives of 322,600 women. Time

3. In July, UNAIDS revealed that for the first time in history, half of all people on the planet with HIV are now getting treatment, and AIDS deaths have dropped by half since 2005. Science

4. Leprosy is now easily treatable. The number of worldwide cases has dropped by 97% since 1985, and a new plan has set 2020 as the target for eradicating the disease. New York Times (Seriously, did you read that? That’s awesome!)

5. And on November 17, WHO announced that global deaths from tuberculosis have fallen by 37% since 2000, saving an estimated 53 million lives.

I'm bullish on all kinds of life-extension technologies. I really expect to live well beyond age 100 with all my faculties intact.

One by one, killer diseases like cholera are giving way to humanity’s fast-growing medical knowledge. Some of the greatest threats to human beings will be essentially under control within 10 years: Heart disease, arteriosclerosis, cirrhosis, you name it, will have mainstream cures.

And don’t even get me started on induced tissue regeneration, which has the potential to reverse your body's aging to the point where you will be—oh, pick an age—let’s say, 25 again, but with all of the experience you have today.

All these developments are wonderful news from a human standpoint, but also economically. Think of all the potential genius and innovation the world never sees because disease robs it from us. By preserving these lives, we enhance everyone’s life.

A Beautiful World

6. Chile set aside 11 million acres of land for national parks in Patagonia, following the largest-ever private land donation from a private entity to a country. Smithsonian

7. A province in Pakistan announced it has planted one billion trees in two years, in response to the terrible floods of 2015. Independent

8. Cameroon committed to restoring over 12 million hectares of forest in the Congo Basin, and Brazil started a project to plan 73 million trees, the largest tropical reforestation project in history. Fast Co.

9. In 2017, the ozone hole over Antarctica shrank to its smallest size since 1988, the year Bobby McFerrin topped the charts with “Don’t Worry Be Happy.” CNET

Nations and individuals increasingly set aside land for preservation and replant trees by the millions.

The United States is now the major supplier of wood for the United States, and all from renewable areas. We now have more 9 billion more cubic feet of trees in the US than we did in 1953!

That’s 50% more than we had 60 years ago (US Agricultural Service). And the trend is not happening just in the US; Europe and other areas of the world are seeing a real upturn in the growth of forests.

In 1630, roughly half of this country was forest. Today the figure is about 35%, but the bulk of that loss came during the 1800s. Since 1900, we’ve seen overall growth in forests to the point that today we have 820 million acres covered in trees.

Up from Poverty

10. The International Energy Agency announced that nearly 1.2 billion people around the world have gained access to electricity in the last 16 years.

11. In the last three years, the number of people in China living below the poverty line decreased from 99 million to 43.4 million. And since 2010, Chinese income inequality has been falling steadily. Quartz

12. The United States’ official poverty rate is now 12.7%, the lowest level since the end of the global financial crisis. And the child-poverty rate has reached an all-time low, dropping to 15.6%. The Atlantic

Since the turn of the century some 1.2 billion people have gained access to electricity. That’s one of the first steps out of poverty. All the modern technologies that enrich our lives and wallets need electricity to work.

It may be surprising that 12.7% of Americans live below the poverty line. Of course, we define poverty differently than much of the rest of the world does, but we still leave too many people behind through no fault of their own.

Much remains to be done, but I think we've at least noticed the problem now. That’s the first step to fixing it.

The rich are also getting richer. The number of households with a net worth of $1 million (measured in 1995 dollars) grew from 2.4 million in 1983 to 10.8 million in the latest survey in 2017, far outpacing average household income growth.

As a nation, I know we worry a great deal about wealth and income inequality, but in general, we are all getting better.

Endless Energy

13. In the United Kingdom, the birthplace of the Industrial Revolution, carbon emissions fell to the lowest levels since 1894, and on April 21 the country did not burn any coal, for the first time in 140 years. UK Independent

14. The cost of solar and wind power plummeted by more than 25% in 2017, shifting the global clean energy industry on its axis. Think Progress

The cost of solar has been plummeting 20–25% a year for years now. By 2030, at the latest, we will not be building any natural gas power plants, other than in areas that receive very little solar energy. There are many places in the world where this is possible now with our current technology. But with the improvements that are coming down the pike? Oh my.

15. A new report from the European Union said that between 1990 and 2016 the continent cut its carbon emissions by 23% while the economy grew by 53%. So much for the propaganda of fossil fuel lobbyists.

Something marvelous happened in the UK this year, when that country burned no coal at all on April 21st —the first such day since 1877. How is that even possible? Renewable energy sources are finally stating to show the capacity to displace fossil fuels. That doesn’t mean coal, oil, and gas will disappear in the near future. They’ll still have a place, but as parts of a bigger and cleaner energy menu.

Further, the world’s biggest polluter, China, is beginning to acknowledge the danger and discomfort of living in polluted cities. They are planning to spend $367 billion on renewable energy by 2020 and to make renewable energy 20% of China’s total energy supply by 2030.

Better Life

16. Saudi Arabia said women would no longer need male permission to travel or study. A few months later, women received the right to drive. BBC

I like this new Saudi crown prince, Mohammed bin Salman. Not saying it’s all rainbows and ponies, but he is doing his best to pull Saudi Arabia into the 21st century.

17. New figures showed that the gender pay gap in the United States has narrowed from 36% in 1980 to 17% today. For young women the gap has narrowed even further, and now stands at 10%. Pew Research

18. Global deaths from terrorism dropped by 22% from their peak in 2014, thanks to significant declines in four of the five countries most impacted: Syria, Pakistan, Afghanistan, and Nigeria. ReliefWeb

19. Rates of violent crime and property crime have dropped by around 50% in the United States since 1990, yet a majority of people still believe they have gotten worse. Pew Research

20. Snow leopards have been on the endangered list since 1972. In 2017, they were taken off, as the wild population has now increased to more than 10,000 animals. BBC

Sometimes humanity is its own worst enemy.

The things people do to each other through war, crime, or simple disrespect hold back progress for everyone. But 2017 brought some improvements.

We see women and minority groups gaining new recognition and equality. Terrorism deaths and crime rates have fallen. Some endangered species have recovered.

Cleaner Water and Air

There is good news on this front, too. As you can see in the chart below, we are using roughly the same amount of water in the US as we did back in 1970, but the population has grown by almost 50%.

We are producing vastly more food, generating more hydroelectric energy, and doing more of all the other things that can only be done with water.

Source: USGS Water Science School

And if you go to the EPA website, you find that carbon monoxide emissions are down 77% since 1990; lead in the air is down 99%; total nitrogen dioxide is down over 50%; particulate matter emissions are down on average about 44%; and sulfur dioxide is down 85%. And that’s just in the last 25 years.

Some of us with a few gray hairs on our heads remember flying into this Los Angeles and not being able to see the city or the Valley for the smog.

Again, you can read the full list for more good news. I might quibble with the authors on some items, as they represent government interventions that may have negative side effects, but most of the 99 items represent welcome progress.

Get one of the world’s most widely read investment newsletters… free

Sharp macroeconomic analysis, big market calls, and shrewd predictions are all in a week’s work for visionary thinker and acclaimed financial expert John Mauldin. Since 2001, investors have turned to his Thoughts from the Frontline to be informed about what’s really going on in the economy. Join hundreds of thousands of readers, and get it free in your inbox every week.

#future #trends #world #global #economy

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decadenttimetravelmentality-blog · 6 years

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Car insurance when i turn 18?

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I live in AZ and I am trying to find car insurance for someone who has had a dui. The only company so far is Bristol west but they are too expensive. Where else can I go?

How much did you pay for car insurance on your first car?

I am going to be 17 soon and will get a car, the car i will get is Vauxhall Astra Mk4 1.4, i went on a car insurance quote comparison website and the cheapest they could find was like 5,500, there's not a chance im gonna pay that, i was wondering what you all paid, oh and i live in the UK.""

What car insurance coverage is actually necessary?

And how much of each do you really need?

Whats the best car insurance website to compare?

looking for cheap car insurance, plz :)""

Best Profession For Cheaper Insurance Quotes?

what is the best professions to hold if you are after cheaper car insurance as i am currently self employed or free lance at least what could i stretch my job description to encompass and save some dough?????????

Cancel my car insurance?

My car is sitting at a farm on blocks. but l am still paying insurance on it. It's only liability. The car doesn't run. Should l just let it get canceled by not making a payment? don't know when it will be on the road again. perplexed

Is the new ford mustang a good 16 yr old car?

I'm either preferring that or a Chevy Avalanche. Which would be safer/better performance?

17 year old girl insurance?

My dad is a mechanic and will only buy me a 1.0 for insurance and cost. I want to know how much would it cost me to insure a Citroen Saxo when i have my full liscence in 6 monts?? I was told it is also possible to be a name driver on one of my parents insurance. How much would that cost??

How much would insurance be and oil changes?

I am thinking about buy a 2004 mustang convertible I am 16 it will be under my parents name how much would insurance be on it if it was a v6 and how much would it be for a v8 and how much would oil changes and tires be. And would a camaro of the same year would it be higher insurance or a 2004 challenger what one would be cheaper for insurance and we have the money for any but what one is cheaper for insurance and we live in nebraska in a small town

How much would car insurance and tax cost?

I was just wondering how much car insurance and tax and anything else i would have to pay other than the price of the vehicle would cost a 23 year old in England on an Automatic Chevrolet Camaro, Automatic Range Rover Sport or an Automatic Ford Mustang GT.""

I need a better health insurance plan.?

I live in texas with my wife and son. I work for a small company so my health insurance, which is bluecross, takes like $300+ every check. Is there any better options out there for me? That much money going every check is just insane. Thanks.""

Will my insurance drop me?

hey guys.. i have state farm insurance and i was put on my parents insurance as a 17 year old because i got into an accident in november (not my fault, i got rear ended). i turned 18 on new years day and just got a speeding ticket (51 in a 35). i was just wondering if my insurance could drop me and if so how likely it would be. thanks.""

How can I find affordable health insurance for small business owners?

Car insurance when i turn 18?

Can a Healthnet insurance bought in California be used in the Philippines during emergency cases?

My Aunt is from California and she's vacationing in the Philippines. Due to severe allergy attack, she was rushed to the emergency room in one of the hospitals here in the Philippines. Her health insurance provider is healthnet. The hospital here said they don't accept healthnet card. What can she do ? What other options does she have? If the hospitals here can refuse to accept Healthnet cards, can she just pay the bill and have it reimbursed later by healthnet when she gets home?""

How much would car insurance cost??????

16 yearold female in north carolina....how much would car insurance be for a pontiac solstice and a jeep grand cheerokee both paid off. give me amounts not wesites'

New Insurance Law in Illinois?

Can anyone tell me what is the penalty for driving without insurance in Illinois and getting into an accident. I was driving my friend's car and got into an accident, it was my fault because i was changing lanes. I have already paid the other guy for his damages and have gotten a release from him. This is a first time offense, what will happen to me.""

19 years old and cheapest insurance i've found is 4.5k WHATS GOING ON?

Right basically i'm 19, recently past my test tried looking at every single type of car there is even with pass plus discount and it's barely even gone below 6000 (4500 wasn't even what i found, it was my sister that probably got one of my details wrong) I've even tried having parents as named drivers and i cant think of anything else i've not already tried. Even friends i know have had it less than 2000 and at the moment i'll be happy to get below 3000 Pleaseee help!""

What's an estimate of how much a vauxhall corsa 1.2 would cost for insurance for a 17 year old girl?

72,000 miles, it's 8 years old, also it's black""

I'm 17 years old and do I have to buy car insurance if my parents sit next to me?

I rarely drive so i don't want to get car insurance yet, but sometimes I want to drive around with my family. So do I have to buy car insurance if my parents sit next to me in the car?""

How much money should I budget for insurance on a car dealership?

My bank needs an estimate for a car dealership insurance but the insurance company is taking forever? HELP!? I've been trying to get a hard insurance quote for over 2 months. they keep coming back with more questions because i'm doing a slightly unique business model. Thats fine and all, I understand why and that doesn't bother me, but what the problem is that the bank said they won't submit my loan app to the SBA until I have at least a rough insurance estimate in my cash flow, and the insurance companies I'm talking to (2) won't give me a rough idea at all! I don't know if its $2500 a year or $500,000 per year. Can anyone who knows anything about business insurance or car dealerships give me an idea within $5000-$10k of what I might want to budget for? Could it be 1/2 a million? or is it likely going to be more like 10 or 20k per year? Total inventory will not exceed $65,000 and we will also have a two service bays. Thanks!""

Getting car insurance on the spot?

I am looking for my first car at the moment and I have a question about insurance. Let's say I go to look at a car that I've found on the internet and I decide to buy it right there...how do I go about getting insurance right away? I live in the UK btw

Does Michigan have extra cheap auto insurance?

I keep seeing all these advertisements for Michigan (obviously this only would apply if you live/have lived in Michigan) regarding certain loopholes for cheaper auto insurance.. ??

Car registration and insurance on different names?

Ok. I'm plnanning on buying a car next week. I have a question. Is it possible to buy insurance on her name and then register the car on mine? If yes please tell me how?

How can i find affordable private health insurance?

I am 16 almost 17 and am looking for a car and am wondering what the insurance rats would be on a porsche 944

this would be my second car and its a really nice 1985 Porsche 944 (non-turbo) it has only 67K miles on it and is in excellent shape I am just wondering if my insurance would go up i pay about 130 $ a month on a Pontiac grand am ... would it go up? if so do you know how much?

Mom discovers $9 car insurance trick. What kind of scam is this ?

Mom discovers $9 car insurance trick. Auto insurers are scared you will learn this too.

Where is the best place to get cheap car insurance for young drivers?

When will a vandalism( to my vehicle) go off my record for insurance purposes???

About 2.5 years ago some kids used nylons and a hamburger wrapper in my gas tank to set my truck on fire. It was a brand new tahoe with dealer plates and it had to be deemed totaled due to damages. Now I am trying to change insurance and get quotes and even though I was not at fault and didn't even know these children it increases my premiums by about 600 every 6 months. Does anybody know when this will go off my record? I cant understand why I'm being held financially accountable for some delinquents behavior.

Can i get insurance then put modifacations on my car?

Hi i am getting a mk 2 golf and will be modding it out with rims tint lights and lowering suspension. If i get the insurance quote at 4grand and then put the mods on the car is it a year of cheap insurance or do i need to tell them i have altered the car? Thanks.

Help with car insurance?

Can anybody tell me the best place to go for car insurance in the UK? For a young driver just passed?

""Im pregnant , no insurance, what doctors will see me?

i know i can apply for wic and etc however i still need to go to the doc asap and was wondering if there are any that will see me without having insurance that are affordable in the knoxville tn area

Lowest insurance rates?

Changing motorcycles and insurance question?

Long story short I have got a new bike. The bike I am Insured on has about 2 months left before I gather another year no claims. However, I was wondering would/do Insurance companies offer a way for me to transfer the next/last 2 months to my new bike (At a possible cost) then charge me a full year when its due (In 2 months) Any help will be appreciated. I don't want to phone my insurance up cause every time I phone someone like that and tell them I have a new bike I want to insure they go crazy and keep phoning me! I have 1 years NCB and i'll be 18 in 2 months (when I will get 2 year NCB) Cheers Geoff""

Temporary US insurance?

I'm going to the Us to meet my friends for three months. Is there any way I can get insurance for just these three months there? Please help

Can kaiser health insurance drop me?

I'VE been vomiting and been feeling sick but i dont know what is causing it so i applied for health insurance and got approved. On the application, it askedif i was diagnosed with any illness and i was not. But if i go to a physical exam, telling them of my symptoms and do get diagnosed with something, can theinsurance drop me? I feel like i did not lie on my application because i dont even know if i have a disease but i am worried that they will say that i had a preexisting condition?""

Where i can get car insurance groups explain?

Which Local Car Insurance has best price in Las Vegas?

I have done my research but would like to know which local car insurance has the best deals? Thanks you for your time.

Hi what is the best 600cc sports bike for an 18 year old bearing in mind the insurance?

I need some help with choosing my first 600cc bike at the moment i ride a skygo 125cc (yes chinese lol) but i turn 18 in a couple of weeks and am looking to buy my first big bike. iv had a look at the cbr 600 but not to keen on the shape to be honest and dont really like the shape of the r6 so im looking at the kawasaki ninja / suzuki gsxr 600 and 750. any ideas would really help insurance would play a big part for me to so i need the cheapest really and what price would i be looking at ? if anyone has any other bikes to suggest i would apreciate that aswell ?

Car insurance when i turn 18?

Where can I find a CAR RENTER'S INSURANCE that I could use for a week?

Found a cheap rental car- but they require insurance. Need a short short term insurance for renting car- HELP?

How can I get cheaper car Insurance?

I need to insure my new car. How do I do that at a cheaper rate?

""Obamacare supporters, question for you.?""

Actually a few questions. Which magic money fairy will appear to bestow money upon those who couldn't afford insurance before the mandate to allow them to afford it after the mandate? The Obama administration has already granted enough exemptions that the whole concept is pretty well doomed. Is there another magic money fairy that will appear and make up for all the exemptions they've already given? If your old enough to remember when your state made auto insurance mandatory how many fold did your auto insurance go up in the next five years. Mine went up %350 after insurance became mandatory. In light of this how would you not expect health insurance costs to do the same. Hasn't Obama essentially created a monopoly and forced American citizens to throw their money at health insurance. Given that half or more of the cost of seeing a doc IS insurance itself. Wouldn't LESS insurance be the answer not more insurance? You go to a clinic that accepts no form of insurance and you are paying only slightly more than folks pay in co-pay. Then your done. The insured usually gets a bill for at least part of the visit that's not covered and on top of that they have their premium deducted. For most people insurance is a losing proposition. Insurance companies being for profit institutions will go out of business if they don't make a profit. As such mandatory health insurance means you will certainly pay more for health care than if you pay out of pocket. The discounts given to insurance companies do not make up for the overhead costs that insurance companies force providers to go through. Nor do they make up for the no pays and slow pays so common from insurance companies. As such one sure way to raise the cost of health care in the US is to require insurance. If you got more out of it than you put in the insurance companies would go broke. Insurance companies regularly restrict activities and or penalize people for engaging in what they consider high risk activities. Athletes are especially restricted. Having a monopoly why would they not do the same for everyone? Snowboarders, Smokers, bungee jumping, riding a motorcycle all dangerous activities already prohibited by many insurance policies. How do you propose to prevent insurance companies from becoming lawmakers using collusion which they openly engage in already to prohibit activities? Before Obamacare if you didn't like it you just did without insurance. Insurance companies have had to be conservative with what they mandate and prohibit because of that choice. With that choice gone now what? Insurance companies have regularly engaged in activities to the detriment of a patients welfare in the past. HMOs especially forced Docs not only to give patients substandard but cheaper care they have gone as far as prohibiting doctors from letting you know that you cannot receive the normal standard of care because of restrictions by your insurance. The unprecedented power handed insurance execs by Obamacare will clearly change how medicine is practiced in the US and that doesn't worry you? If everybody has insurance then insurance companies will dictate to Docs what they can and cannot do as they do if Docs participate in HMO and even some PPO programs. The idea that we MUST purchase a product, doesn't that bother you? Today it's health insurance. Tomorrow maybe it's socks. How can the Gov FORCE you to buy anything? Don't hand me the auto insurance scam. Mandatory auto insurance hasn't significantly reduced accidents, hasn't reduced losses to uninsured drivers. It has made insurance far more expensive for all. It does violate a basic principle of individual sovereignty that is supposed to be a key component of any free society. What will they make us buy next? In 20 years will gov mandated expenses consume the entire budget of the average American? How do you stop such a beast once it starts rolling? Millions of Americans will lose everything they have because of Obamacare. They will make just a little too much to be exempted or the time/effort to get an exemption will be impossible given their work schedule or they will have a valid exemption or be rejected for invalid reasons and unfairly prosecuted. Sure they might eventually get it straitened out but not before it gets them tossed in jail. Literally millions will be left homeless by this law in the first 5 years. Doesn't that bother you?""

Car Insurance rate increased when I moved????

I recently moved WITHIN the same county and my car insurance rates increased because of the move. Should it increase even though I am in the same county???? It's seriously like 5 miles from my old house....

Recommended Car Insurance Coverage?

I'm 18 years old and have to buy car insurance for the firsr time on my one. I don't know what level of insurance to get... what's the recommended car insurance coverage amounts?

Which is the cheapest car insurance for young drivers?

Hi, I'm thinking of starting driving soon and was wondering if anyone knows which would be the cheapest option for insurance? I've tried the compare services and found a direct quote from direct line to be cheaper than any of the ones it found, at about 2200 last time I checked (I think). Does anyone know any other insurers who are cheaper or if this is the best I'm going to get? I'm 20, don't have a license yet and obviously have no no claims etc. Is http://www.4youngdrivers.co.uk/ any good? thanks people.""

Question about my 18 year old and insurance

I have an 18 year old who takes ADHD medication which without insurance costs well over $300 a month. She is not interested in going to college at this point so I'm not sure how much longer I can keep her on my insurance plan. Assuming it takes her awhile to find a job with good insurance does anyone have any suggestions on how to make her medical needs affordable for her?

When will the U.S. government stop the gender discrimination on Car insurance?

http://www.nytimes.com/2011/03/02/business/global/02insure.html The court of justice of the European Union (CJEU) has ruled that from December 2012, insurers will be prevented from charging different premiums on the basis of an insured person's gender. When will america pass a similar law. Not everyone is the same. Girl drivers are the worst, how on earth could their insurance be lower than ours when half the time they are in the car they are laughing so hard into their cellphone that they can't see anything but the roof of their cars. Mix a bunch of girls in one car and it gets even worse. And don't try to say it's because of statistics, obviously since there are more male drivers than female drivers there are going to be more crashes and etc.""

Cheap car insurance for young drivers?

I'm turning 17 in a few weeks and plan to start taking driving lessons. My parents are looking into cars for me, they are only prepared to pay 1000 for my first car, but it's the insurance that is so expensive. There are a few cars that I have seen that I like, but any quote I try and get for them is at least 2,500! Are there any companies that do cheaper car insurance for young drivers or any ways that I could make the insurance cheaper? Also, i've heard that getting the insurance in one of my parents names then only being a named driver on the policy is cheaper, but when I have looked it doesn't seem to make much difference? Thank you!""

Where can i find affordable health insurance??

I am turning 23 in feb. and i loose my dependant status because my parents are military so i need to find some health insurance.

How can I get some insurance?

I received a brand new bike a week ago but I dare not give it a try because I have not got it covered by insurance yet. I have tried multiple insurance companies online but every one I tried there would be a snag. Mainly it would be, 'what kind of driving licence do you hold'? I personally hold a clean driving licence for a car, but in the drop down list of different driving licences 'car' was not among them, so I could not go to the next section to continue trying to insure my bike. I live out of the city so applying for insurance and paying for it online would be the easiest option.""

How much would car insurance cost?

im 18 going to be 19 the car i was looking at cost 29,155$ so since im young how much do you think the insurance would cost?""

How can I make car insurance lower?

I have 6 points on my license at the moment, which everyone already knows has made my car insurance skyrocket. As points get taken off my license will the car insurance go down? If not does anyone have any advice on any kind of way I can make my insurance cheaper?""

""How much do braces cost in los angeles, without insurance?""

I don't really have crooked teeth. My bottom teeth are straight... and my top teeth look straight from a frontal shot, but in reality one of my canine teeth is a little higher and outward then the rest. I want to straighten that one out. How much do braces cost without insurance? in cash! thakns""

Affordable health insurance?

my company offers helath insurance for $300.00 a week. If I signed up for this I would end up bringing home 250.00 to support my family. IMPOSSIBLE! Where can I go to find more affordable helth insurance on my own for my family. I live in Massachusetts so it can not be a limited benifit plan. Any websites or phone numbers would be greatly appreciated. Thanks

What type of insurance is auto insurance?

http://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/index.cfm out of all these types which is for auto? and if i wanted to work in a place that sells life insurance do i have to get certified for that too?

Cheapest car insurance in Florida?

I need the cheapest car insurance possible for my husband who rarely if EVER drives. His license is suspended, so I drive everywhere (except an extreme emergency), but since we are married, Geico insists we pay for both to be insured. Anyone get around this or find a great insurance company that could get me some reasonable rates in FL?""

""Does anyone know of a high deductable, low premium health insurance?""

I am looking for a catastrophic insurance policy where I would have a deductable of $10,000... I would pay for office visits and prescriptions.""

How Much do you pay for your insurance or how much is it for new cars and teens?

Car Insurance in Connecticut?

I just got my license back after my first DUI arrest over a year ago. I want to get a car but insurance would be around $5,000 a year for a car that only costs $1,500. Does anyone know what the laws are in CT about car insurance and if I need it to drive my own car. Does the car need to be insured to be on the road?""

Where can a single mother with 2 kids (21 18) get low cost health insurance?

My parents have recently divorced. My father is moving back to Ireland and has to quit his job. My mother, brother, and I were covered under his insurance. But once he leaves the country our insurance will cease. My mother works at home and does not make very much money. We are looking for coverage for the three of us that is not expensive and very low cost as we do not have the means to afford much. We only need it for about a year as I will be graduating and teaching full time as a NYC teacher by next September. *My brother is legally blind, but other than that there are no serious health issues and none of us are tobacco users. *We are hoping to get insurance that would cover quality licensed professionals. *We understand in this economy you get what you pay for, But we honestly do not have much. We are hoping for something affordable without being skimmped on coverage. Thanks :-)""

Why's my insurance so high at 19?

I've had my licence since October last year and i had my car before i passed my test so i could get insured on it straight away. When I looked at quotes last year i was getting prices of around 3400 and couldn't get it below the 3000 mark, but now I'm getting prices of about 2700 on a 1.0 litre vaxhaull corsa which is the cheapest car for me to insure as it has the smallest engine i can find as is only group 1 insurance but still way to expensive. can anybody tell me why mine is so high please?""

Insurance question on jeeps! help?

Im moving out in a month and a half and am very worried about insurance because i don't know if i can still be under my parents insurance if im not living with them. Questions: 1) Can i still be on my parents insurance if i move out? 2) looking to get a 90's jeep tj wrangler or sport. what one is better on insurance? 3) how much is insurance on a jeep? (wrangler and tj sport) ** im 16 years old in GW drivers training which lowers my insurance. im turing 17 soon my parents have not had any car accidents and i haven't either and don't plan on getting in an accident lol.**

Can i get temporary car insurance for my teenager daughter on a separate insurance policy?

I want to get car insurance my teenage daughter (who passed her test 6 months ago).I am unable to add her to my current policy - does anyone know if any other way than changing current car insurance policy

Anyone know of an car insurance company that doesn't require the vehicle to be in your name?

Geico cancelled our policy because our car is in our grandmothers name.Also if she gets a policy, the addys have to all match.Are all insurance companys this strict?the car is about to die soon, so we dont wanna spend more money on transferring the title, but I guess we will if we have to.We are getting another car fixed soon that we will be driving.""

Car insurance when i turn 18?

https://www.linkedin.com/pulse/wise-driving-insurance-quote-jayden-stone/"

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