#let her in the club she deserves financial compensation

[witherroze]

Me watching everyone joke about Martyn hating the Herons because Cleo and Scott are his exes:

#oops all exes #inthelittlewood #pirates smp #rats smp #let her in the club she deserves financial compensation #the man trapped her in a wooden box with her brothers and left them all to die

[nwslwiki]

what does it mean for a player to be allocated?

note: there are two kinds of allocation in the nwsl; one is allocation as in federation players (what i’ll be discussing in this post) and the other is what i usually refer to as “new allocation” which is explained in a different post here. in the navigation page, this is referred to as “federation players” and the other allocation is “new allocation”

so what is this allocation? this kind of allocation is when the canadian and american federations agree to pay the nwsl salaries of select players each year so the club does not have to. 

who is allocated this year? the list is posted here. 

how do they decide how many players can be selected by the federations? i don’t think there is a maximum or minimum of players that can be allocated, but i do know that the usa has allocated up to 26 players in the past. this year’s number is 23 for usa. canada allocated nine. to see which players were allocated for each year in past nwsl seasons you can look here. 

i thought mexico used to allocate players? they did! the last season mexico added players was the 2015 season. for more info on that, including speculations as to why they stopped, you can read here. 

why is [blank] player on/not on the list? these lists were due from the federations at the end of november and disclosed to the players and club teams on december 1st. this could explain why some players who have gotten a decent amount of playing time (for example, lynn williams or jessica mcdonald) were excluded from the list or players who have gotten less playing time (for example, morgan brian or diana matheson) were included on the list. ultimately, the list is made at the federation’s discretion and they do not have to disclose their reasoning. 

as far as i know, this list cannot be changed and these are the only players that will be allocated for the 2020 season.

can allocated players (federation players) be traded between teams normally? do they need some sort of approval from the federation or league? do trades affect a player’s allocation at all? trades will not affect the allocation status of a player. trades involving allocated players (federation players) can happen between teams without any prior approval from the leagues or federations. example: mallory pugh traded to sky blue fc from the washington spirit 

for further explanation on trades you can read the posts in my “trades” tag here.

is there a limit on how many allocated players (federation players) each club team can have? there used to be only a certain number of “allocation spots” that each team had but that was done away with a few years ago.

when someone is newly allocated, how do they decide what team gets the player? if a player’s rights are already owned by a team, they stay with that team when they become allocated. the team can trade them as they would any other player. if a player is newly allocated and did not previously belong to an nwsl team, their rights are automatically granted to the highest-ranked team in the “distribution ranking order”. example: mallory pugh’s rights were automatically granted to the washington spirit when she left ucla because they had the number one spot in the distribution ranking order 

if tierna davidson was allocated (made a federation player) last year does that mean she wouldn’t have been able to go in the college draft? the rules are unclear. i assume the distribution ranking order takes precedence over the college draft which is why she was not allocated. by allowing her to go as the top draft pick it could have been seen as a way to legitimize the draft, but that is all my own speculation. 

is it true that allocated players aren’t allowed to leave the nwsl? under jill ellis’ coaching, uwsnt players were “strongly suggested” against leaving the nwsl or they risk losing their spot on the national team. more sources on that in this post. vlatko andonovski, the new uswnt coach, has expressed interest in players currently overseas but it is unclear if he will insist fixtures of the uswnt stay in the nwsl. source. there are no similar restrictions on canadian players as far as i know.  

is there a limit to how many of these allocated players (federation players) can be protected in an expansion draft? yes! last time there was an expansion draft (orlando, 2016 season) teams could only protect 10 players and only two of those could be american allocated players. there was not a limit on canadian allocated players.  for more information on expansion rules in the past, you can check my “expansion draft” tag here. 

when the new rules are released for future expansion drafts, i can do a write up further explaining them if there is interest.

why does the nwsl do this? other leagues don’t do this so why does it exist? previous iterations of the nwsl failed for a multitude of reasons but one recurring problem was that american and canadian national team players wanted to get paid more than their non-national team counterparts because they felt that they deserved it. and they did! but teams would spend exorbitant amounts of money trying to get certain players and they would be left with very little money to sustain contracts for the rest of the team. when ussf was creating the nwsl, they elected to allocate players like this so north american federations would pay the club salaries of their players and give the clubs some financial relief. 

ussf (the usa soccer federation) partially owns the nwsl but has recently discussed relinquishing control. if they did this, would they stop this system where they pay the club salaries for allocated players (federation players)? it’s impossible to know. i imagine if they did, they would rewrite the rules for the “new allocation” (explained in this post) so that canadian and american national team players could qualify. they would probably also increase the allocation money cap for teams to accommodate the new players.   

does the allocated list mean that players who aren’t on the list won’t make the olympic roster? no. last year there were 22 players allocated by the usa and there were three players named to the 23 player roster that were not on the allocated list for the 2019 season. (tierna davidson, jessica mcdonald, and ali krieger. casey short and mccall zerboni were allocated but did not make the world cup roster.)

if a player is playing for the national team but isn’t allocated (a federation player), does that mean they aren’t getting paid for their national team play? no. the only thing allocation does is subsidize their nwsl contract. allocation status does not interfere with the money the player receives for national team duties. there are two separate contracts; one as an allocated player (federation player) for what they do in the nwsl, and one for what they do on the national team. 

how much does an allocated player (federation player) make for their nwsl contract? as of the most recent source i can find (july 29th, 2019), the nwsl contract for an allocated player (federation player) is a range of $67,500-$72,500. source. 

for more information on how pay for allocated players (federation players) compares to the “new allocation” you can read this post. note: there are different numbers for how much allocated players (federation players) are paid than i used in this post. i cannot find my source for those numbers so i instead used the numbers on the most recently verified source i could find.

for further comparison: nwsl minimum salaries are $20,000 and maximum salaries are $50,000. the total salary cap for a team (excluding money used for allocated players (federation players) and “new allocation” players. those contracts do not count against a team’s salary cap.) is $650,000. source. players are also usually compensated with other benefits including housing and some degree of transportation during the nwsl season. there are caps on these numbers per team and teams vary in how much they choose to spend. if people are interested in me explaining these numbers and how the teams use that money, you can contact me and let me know. 

if you have any further questions about this or something else, let me know here! you can also dm me on this blog.

check my navigation page here before sending me a question

#nwsl #uswnt #canwnt #portland thorns #orlando pride #chicago red stars #Christen Press #tobin heath #mine #federation players

[illuminating-dragons]

Dreams and Visions (23/51): Victorian Musings

Time Period: Victorian

Chapter Summary:  Some headcanons I've developed for the Victorian era. If anyone wants me to expand on any of them, let me know! Warnings for minor character death and some angst.

Read it on AO3

Johnlock

    Holmes has a letter tucked away among his commonplace books that is for Watson’s eyes alone. He truly hopes that Watson will never read it; his husband has already had to lose him once, but at least he’ll have a written record of how much he loves him.

           The one time they come close to getting caught, it’s Charles Augustus Milverton. He makes an offhand remark while discussing their client’s bill. Milverton doesn’t make it home that night; a protective older brother deals with the political fallout from disposing of Milverton too soon.

           In the village close to where they retire, most of the inhabitants have accepted the fact that the odd men in the cottage are a bit…different. They don’t particularly care; Holmes’ honey is good, Watson’s generous with his time and his vegetables, and really, they’re doing no harm.

           Though he never talks about, Watson sometimes wishes he could have taken Holmes’ name. Then Holmes will say ‘Watson’ with the same tenderness he uses in the rare moments he says ‘John’, and he’ll change his mind.

Watson

Twenty years after Watson returned from the war, Holmes finds William Murray, the orderly who saved his life. Murray brings his son with him, named for the bravest and finest doctor he’s ever known. John Murray doesn’t understand why the Doctor cries.

Watson does write poetry sometimes, very badly. There was one very good piece, written at three in the morning in frustration as he tried to sort out his love for his dead wife and his love for his living husband. Entitled simply ‘Two Halves’, it tells the story of a man who was never made to choose and therefore got both his heart’s desires, yet fears he deserves neither.

           Watson takes a bullet for Holmes not long before they retire. Holmes was apoplectic, but Watson was secretly glad; now his leg has reason to twinge in the cold weather, and he still has his husband to distract him from the pain with soft music.

Holmes

           Holmes doesn’t know the word ‘demisexual’; he thinks asexuality is a plant trait, not a human one, and he considered himself a broken man for a long time. In the end he didn’t need the words to explain things; he got Watson instead.

           Holmes saw Irene Adler Norton one other time; it was during his time abroad after the Fall. In disguise as a fireman, he saved her daughter, Rose Norton from a house fire. Irene recognized him, told him sharply to go home, and thanked him. A month later, Holmes sent her a marked copy of the Strand with Watson’s story, The Empty House.

           Holmes thought telling Watson how he felt would be the most terrifying thing he’d ever done. Then he stood outside the door to the Stranger’s Room at the Diogenes Club for three hours shaking. Mycroft eventually found him there, soothed him through the panic attack, and promised his support for their relationship, come what may.

Mystrade

           With the police force so new, any help was welcome, particularly help that did not demand credit or compensation. Thus, when Sherlock Holmes requested to consult on cases, he needed no help from Mycroft Holmes; which, coincidentally, meant that Lestrade didn’t encounter the older Holmes until Holmes and Watson were married.

Mycroft

           Mycroft had always suspected his little brother was different. Removed as he was from the idea of love and romance, particularly with his size, he never even considered that he was different in the same way.

Lestrade

           Lestrade was happily married (to a woman who was mistress to six different men) with one daughter (who moved to Scotland to get married and rarely came to visit due to financial difficulties though she did write to her father faithfully), and never once thought that there might be another kind of happiness.

Moriarty

           Moriarty was Holmes’ equal in one important way; he never fully understood that the doctor loved the detective just as fiercely.

Mary

           Mary came to love Sherlock—platonically, closer to a brother than a friend. She even managed to forgive him for loving John, and allowed them time alone. After all, she trusted her husband. (Watson never disappointed her).

           When their daughter Martha died at three months from the influenza that swept the city, Mary was almost relieved when she woke up with a deep ache in her bones as well as her heart.

           Mary and Martha’s graves are well-tended by her widower as well as his husband. Her spirit is well aware of their love, and feels pure relief that neither man is alone.

Mrs. Hudson

           Martha Hudson’s maiden name was Meadows. Though she doesn’t realize it, so was Kitty’s grandmother. They were sisters. Kitty has inherited the family spirit, acceptance of odd living conditions and her great-aunt’s blue eyes.

           In her eyes, Mrs. Hudson has three sons (two who live with her and one who rarely comes home). All three men privately think the same.

           The day that Watson told her about his love for Holmes he was on morphine from a stabbing, and he doesn’t remember. Mrs. Hudson immediately hunted down the detective and demanded he take care of her boy. She also begins a rumour that gives Holmes a mistress, which few believe but it gives Watson a good laugh.

#sherlock fanfiction #sherlock holmes fanfiction #johnlock #sherlock AU #crossover with original canon #acme146 fanfiction #dreams and visions #sleeping on it 'verse #acme headcanons #crosspost from AO3

[classycollectorartisanposts-blog]

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Right what it is , i lost my license for a CD10, Which is driving without due care and attention , Yes i know what you are all thinking and i have learned my lesson, I appreciate that i do have to pay loads more on insurance but my question is does anyone know a company who does cheap insurance for a convicted driver, Many Thanks in advance

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

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So I live in Benton Louisiana and I'm 15. I'm about to turn 16 and my mon said that she won't let me drive or get me a car because insurance is expensive. How much is insurance for 16 year olds?! It just really makes me mad because at first she was all for it and said that she would get me a car since she ruined my 15th birthday. Now, she just let my hopes down once again. That's why I want to know like about how much is car insurance for teens. Thank you!!""

How much is insurance for a 2001 mercury cougar. If I am 16? (EST.)?

Hello. I am looking for my first car. I am looking at a 2001 mercury cougar not the S series just the 3 door coupe.. Now the qoute gieco gave me was $325.01 a month. I live in Minnesota and I am a 16 year old male. I don't have anything on my record at all. I was wondering if 325.01 a month sounded right because I dont think so. That's like $4,000 a year and the car only costs $5,999. Also would it be better to go on my parents insurance plan with State Farm? Or to get my own? Thank you very much for helping me with advice with this.""

""APPROXIMATELY, how high would insurance be on a 16 year old male driver with a manual Evo X as a first car?""

I just turned 16 and i am about to get my license.I just want an estimate like 200-300 or 300-400 or 400-500, etc. My brother is 18 and currently has an Evo and is paying ~ 500 a month for his insurance but has a terrible driving record. Totaled his car and another persons (completely his fault) speeding tickets, unsafe turn ticket. and a bunch of parking tickets. And please dont give me an answer like youre gonna kill urself or evo is too fast for a first car and too hard to learn stick in an evo because the past 8 months i have been driving my brothers STICK Evo quite alot and have absolutely no problem driving it.""

Why is my car insurance so expensive? Give me a GOOD reason why.?

I have my driving test tomorrow, looking forward to it, but car insurance for a car which is worth 200, the car insurance comes from 2500 - 4000. Why on earth does it come to this??!! Insurance companies are all sharks. No wonder so many people are uninsured.""

What is the cheapest car insurance ?

Right what it is , i lost my license for a CD10, Which is driving without due care and attention , Yes i know what you are all thinking and i have learned my lesson, I appreciate that i do have to pay loads more on insurance but my question is does anyone know a company who does cheap insurance for a convicted driver, Many Thanks in advance

Full tort or limited tort... Is it worth it to spend the extra 15% to get full tort car insurance?

I am 21 and getting my first new car tomorrow. I am looking for car insurance. It looks like I could save about 15% on my car insurance if I get limited tort instead of full tort. What do I risk by only getting limited tort? Is it worth the money?

Which car insurance companies are cheapest for teen girls?

I am a girl going on 17 years old and I finally just got my license. Now my dad and I are looking for the cheapest plan in the cheapest insurance company to go on for my car insurance. Help?

""If you buy a refurbished phone from at&t, can you get insurance on it?""

I am wanting to get the black blackjack II, and I was also wondering if it would be worth it to get insurance, since its only $60.""

How much would insurance be on a dodge stealth?

i am going to be sixteen and i may be buying a 92 stealth and i need to know how much insurance would be. it is only a 5,000 dollar car. but the speed meter goes to 160mph.""

Possible to drive without car insurance?

I live in California and recently got my license. I know driving without insurance is illegal and bad, but could I drive without insurance as long as I don't get in a car crash and follow the rules of the road?""

Car accident and insurance claim?

2 persons came to look my car for buying purpose. 1 of them was standing in front of my car and other just opened the door and turned the ignation on. the car was in gear so jumped up and hit the person standing in front of the car. man got stuck between my car and the other parked in front of my car and broke his leg. police and ambulance came. they took our statement and did not say anything to me but had separate discussionn with the othee person for long time. my question will this effect my by any mean legally? my car did not have insurance but no body drove the car either. i mean I am really scared what gonna happen to me I don't know if I shall keep trying selling my car or wait until hear from police. thanks

Oklahoma insurance help..?

I'm 21 years old and i don't have any insurance, haven't since my mums stopped covering me. I'm not working right now, i had a job for awhile, but had to quit cuz i had to call sick too often due to horrid migraine headaches. I really need to find some insurance of some kind because i see to goto a doctor for a few different health concerns. Does anyone know where i can find some affordable insurance? I don't even know where to begin looking or what to look for. How much should i expect to be spending? Or would i qualify for some form of state insurance if I'm not working?""

Short term car insurance in the Netherlands?

Hello, I bought a Dutch registered car here in UK and it seems the only place I can insure it to drive it to my house is the Netherlands. No insurer in UK wants to issue an insurance on no UK registered car. Can anybody recommend a insurance company in the Netherlands or their web site where I can 1-2 days insurance and do this in English, It would be much simpler to wright a few key words in Google in Dutch but I can't. Thanks Thanks""

Car insurance cost monthly?

Hi, I'm a newbie at this and maybe I should call my dad and just get the answer but he's kinda busy atm. How much does car insurance cost monthly or during a 6 month ...show more""

How muh would cost me a car insurance? i havent bought the car yet. i am a new driver.?

How muh would cost me a car insurance? i havent bought the car yet. i am a new driver.?

Car insurance questions?

I was parked in front of my house and a lady came along and hit my car totalling it by the looks. I think I just signed up for basic insurance. Because she hit my parked car, is the towing and cost for keeping my car covered on my insurance or hers? And also don't know if I can get a car rental at all? And I was also wondering if the car is totalled will they pay me to get a new car? Or just pay me some money back for the car? It says under collision actual cash value. Thanks for any answers because I can not figure out what I have on this paper or if it goes on hers!""

What state or states do not require car Auto insurance in order to own a car and use it ?

I would like to know what states in USA do not require car Auto insurance for the owner or user of the car he or she is driving? If there is such a state please prove me where you get the source! And How does the driver pay off all the victims billing cost after injuring this victim and victim has a bunch of bills coming in from Hospital service? If now you agree with me that all drives should be required to pay and have auto insurance, This is the same reason is why all people need to have healthcare insurance who can afford it! Not only it will keep the insurance cost lower for average person, everyone is now guaranteed to qualify without being denied due to history, disability, or medical cost person needs, but if everyone has health insurance nation wide medical expense will be less rising; like people who did not have insurance get into accident/injury Whether falling off a cliff, get hit by a car and driver drives off, or gets injured due to snake bite. NONE of them are intentional or expected but they happen and many other! If everyone is insured the insurance pays for the medical expenses whether its $500 or $500K But if not everybody has healthcare insurance average person wont be able to afford the $full medical bill will be hunted by collection agency but still not likely to pay any more then $5000 for medical expenses! There for the rest of the medical cost falls on WHOM??? THE TAX TAPYERS OR OTHER medical service Customers!!! By raising the prices of medical expenses! THAT is why Californias Blue Cross Blue Shield insurance Raised about 57% cost in 2010 or 2011!! What do you expect if Thousand or millions of Illegal most Latino immigrant get Medical service in Hospitals like even Child birth, or emergency room, but they dont have medical insurance, cant afford it, YOU SEE that raised their insurance cost BY 57%!!! DO YOU WANT THIS TO HAPPEN NATION WIDE?? IF NO If you want Medical cost to remain affordable, THEN A) Support National Healthcare that everybody should have it who can afford it B) In order to receive Fed/State TAX, Social Security, Medicare, and Medicaid from the Illegal Immigration should be attempted to be caught and exported to their main country, or should be attempted to be caught and if given full citizen ship to them only if these immigrants must server some number of years of Army, military, or Air force service voluntarily. OR be required to pay a minimum amount of $ that individual invested into the Social Security system, or minimum number of years legally work in U.S.A, if they want to receive the Social Security benefits if future. HOWEVER How many years serving , How much individual or couple invested minimum, and /or how many minimum number of years in order to qualify for Social Security service is up to the government to calculate and decide. THIS WAY Citizens Will all be able to fully pay their medical expenses, and The illegal immigration will not be as big of an issue!""

Can a health insurance company abroad outside the USA look up my health insurance information ?

If I provide them with my insurance policy and other info can they look up my health insurance information?

Car insurance WITHOUT a bank account?

does anyone know where/what car insurance i can get as i can not have a bank acount or debit/credit card. can only pay with cash by monthly installments

How much does your rate go up with Auto Insurance when you hit someone? I had 2 incidents this year.?

I filed a small claim in April 2007 for total damages about $1500. There was no damage to my car but I hit my babysitters car who was doubleparked in front of my townhouse. Now I just hit someone else and the estimate is about $1000 for his bumper. I am wondering if it is worth it to go through my insurance and have another claim against me or if I should just handle it out of packet? My insurance fro the year now is very good only $1062. But for some reason this is a bad year for me. I have 2 kids (1 with autism) that is always driving me crazy while I drive . I don't want to hurt myself by going through insurance. Thanks

Sites of the insurance quotes reliable?

http://www.education-house.com/insurance/index.html

Do u HAVE to have insurance?

i rather pay out of pocket anyways than fool with insurance.

Fend off bullying car insurance suit?

i was involved in a car accident. i was at the wheel and the insurance company that insures the car has placed me at fault. i am not the owner, but claim that i had permission from the owner to use the car and therefore, under california law, should not be liable for the damages. the owner is fully insured. i tried to settle this by paying for the deductable. shortly after i submitted a check to the owner he changed his statement to his insurance company and claimed that he in fact hadnt given me permission to use the vehicle (I have a scanned copy of the check with clearing information from my bank). i am now being threatened by two insurance companies: 1) the insurer of the other party involved (this claim is on me, the owner, and his insurer) & 2) the insurer of the car i was driving. what are my options? how can i attempt to prove that he did give me the necessary explicit or implicit permission to use his automobile?""

What is the best health insurance in NY?

In the boroughs...NOT most affordable best... JUST the best, anywhere accepts.""

What kind of insurance would I need for this?

There is a private residence that I would like rent out for my daughter's wedding. I am going pay him a certain amount for use of the house but then I'd like to take our a short term insurance policy in case the house is damaged or someone is injured.

Can my insurance drop me?

Hi, i took a urine test with my doctor the other day. I asked what h was testing for and he said everything , so Im not sure what hes testing. He said he was gonna check for diabetes and what not. I was wondering, in the case he drug tests me can he tel my insurance? Can I get dropped from the insurance for this? I smoked weed about 5 weeks ago. I live in California amd hnet is my insurance. Thanks!""

I am 18 year old male how much would insurance cost on a 2005 mustang v6 or mustang gt?

I am 18 year old male how much would insurance cost on a 2005 mustang v6 or mustang gt?

Health Insurance claims in LA?

How long must health insurance claims be kept on file in Louisiana hospitals and healthcare facilities?

Change car insurance name and registration?

My car is registered under someone elses but I've been m aking the car payments since the beginning... I just got car insurance myself with no help from her(my friend) but the policy is in her name but I'm down as a driver... Is there anyway that I can be the policy holder eventhough its not in my name.. also I plan on moving but taking the car I still have quite a few more payments but I dont want to leave with the car not registered to me is the anyway I can get the car in my name and still pay it off

How much would car insurance be?

I am an 18 year old college student. I have been driving for no years,no accidents or anything. I was looking at a mitsubishi eclipse gts Spyder yesterday but the insurance was too high and the convertible had something to do with it. Anyways I found a mistsubishi eclipse hatchback GT today and was wondering if it would be lower than the Spyder? Also I'm looking at a 2001 Toyota Celica GT. How much do you think insurance runs on that? Anyways I just want to know before I fall my insurance company""

What is the cheapest car insurance ?

Right what it is , i lost my license for a CD10, Which is driving without due care and attention , Yes i know what you are all thinking and i have learned my lesson, I appreciate that i do have to pay loads more on insurance but my question is does anyone know a company who does cheap insurance for a convicted driver, Many Thanks in advance

How far back in your driving record do insurance agents look when determining your car insurance rate?

How far back in your driving record do insurance agents look when determining your car insurance rate?

Will I be able to buy car insurance?Thanks?

Im 19 and I was on my dads Metropolitan insurance company. I had 2004 Honda Civic but my dad had the car title in his name. I crashed my car and I was at fault so now we're waiting for the case to settle. My dad wants to wait for the case to settle before I buy another car. The case might take another year or more before its settled. I would like to buy my own insurance and my own car. How will the insurance work out or whats the cheapest insurance? Thanks

Do older cars cost more for insurance? I was thinking of getting a bmw m3 2002 or 05.?

or for my 1st car should i just get a infinity? cus someone told me for those cars insurance is like 220 a month!!

""How much is car insurance in albany,ny?""

i had car insurance in brooklyn,ny but now i got verry expensive, so i thought to go to albany to get cheaper nsurance""

What's the average public liability insurance cover figure in the United States?

What's the average public liability insurance cover figure in the United States?

""I'm turning 16, and wanting to buy a car. How much is the Car insurance?""

Well, i'm turning 16 and when i'm 16 i'm going to buy a car. I saved enough money to buy myself a mitsubishi lancer or Eclipse base model. I live in Calgary, Alberta, Canada i want to know what is the cheapiest car insurance for me? on a monthly or yearly term.""

To HOLD a California Drivers License is it required to have insurance?

Argument with a coworker

How much is insurance on a 05-06 chrysler 300c?

I plan to pay cash for it (around $8,000) and since I will only be 17, it will still be under my parents name although I am paying for it. Should I go with liability or full coverage, and how much would each cost?""

Low priced car to insure and buy?

I'm a 15 year old girl looking for a cheap car that is low to insure for when I turn 16...I live in the us and don't really care for sporty cars... I was think about a volkswagon beetle 03 but idk how much they are or how much it is insure so... Yeah. But please help!!!

""If I add my boyfriend to my car title, do I need to add him to my car insurance?""

He has his own car and his own insurance already. Also, we live in Texas.""

How should I go about getting car insurance? (20 years old)?

I have enough money to buy my first car, I'm going for a car with a small engine around 1.2-1.6. when getting insurance quotes however, the cheapest quote i've found is around 1700 quid. help?? surely i can get insured on my own car for less than this?""

Is Circumcision covered by health insurance?

Hello i'm 17 years old and i live in Florida. And i'm probably going to get circumcised soon because i have phimosis. I'm wondering if health insurance covers it because i ...show more

How much is car insurance in NY state if your 17?

Ive been looking for how much car insurance is in ny if your 17 but i cant find it. My mom doesnt want to pay for it so i have to pay for it myself. Can someone tell me how much it costs?

Cost of insurance for 2nd gen Toyota Mr2?

Would you pay a higher insurance on this car than a normal car? what about a turbo? I got an online insurance quote and it was about $600/year for liability and $1000/year for collision coverage, does this seem like a fair price? I'm almost 19 years old and have a clean drivers record.""

What kind of car insurance should I get?

I ust got my liscence, and I don't have a car yet, but before I buy one, I want to look into what it costs to ensure one. I'm 18, and in college, so i cant afford to spend alot on car insurance. Does anyone know of good car insurance for first time drivers, and how do I go about getting it? I live in New Jesey.....""

Home building insurance?

i had tenants in my house, while i was living with my sister, i did take out a building insurance, and last week my house got burned to ashes, it has no roof neither, so i phoned the insurance company which was halifax,to my shock they declined the insurance,as i didn't have landlord insurance, they said. when i took out the policy i did say to them that i wanted landlord building insurance, the woman at the branch assured me, how ever when i looked at my paper now it does say, i have building and contents insurance,i never asked for that, just wanted a simple landlords insurance, i have 40 thousand pounds worth of damage and really stressed don't now what to do, can anybody please give me some advice i would appreciate it very much

How likely is it that my car insurance will go up due to this?

Haven't had a claim in over ten years Haven't gotten a ticket in probably 5 years. But, the neighbor kid did $2K worth of damage to my car with his bike in three separate incidents. Basically, half of it will have to be repainted! I'd really, really rather not go to court. His insurance is NOT an option in this case. He doesn't have $2,000 laying around. IF I go the much easier route of getting him to pay at least my deductible, how likely is State Farm to raise my rates with a, after deductible, claim of about $1500 or so? Any relevant advice/comment is appreciated.""

How much would insurance cost for a 16 yr old female?

I'm 16 & getting a 2010 Nissan Maxima. Don't tell me not to get it because I'll wreck or trash it. I learned how to drive when I was 12 and I drove all the time when I got my permit. I'm not going to trash it at all. All I need to know if how much insurance might be. A rough estimate because I know everywhere is different. Some few details: I'm 16, a female, straight A student, and really responsible. Thanks.""

What is an independant insurance adjuster?

I need to know what what types of insurances adjusters there are and what each type does.

Homeowners insurance in Valrico FL?

I am interested in buying a home in Valrico FL. Particularly Diamond Hill, a golf course community. Great price, but we are new at buying and have no idea what insurance might be on this place.Just to factor it in for our monthly cost. It is a 3/2/2 1800 sq ft @ $110k. no pool. I mean were talking just a rough estimate, close figure something. Again we have not the slightest clue as to what it could be. Any advice is really appreciated.""

Medical insurance help!!!!!?

Ok so I'm 20 and my insurance is or was IEHP. I am married now and I want to know if this still covers me. I want to go to the clinic and get checked up and get birthcontrol but I'm not sure if its going to cover me. My husband does not have medical insurance either. Can anyone please help!?? :(

3 car crash.. I am the insurance companies hunt !!?

Hello .. I would like to listen to your opinios regarding this situation that has turned into a nightmare for me !!! I spent few months in Australia.. I have a full driving license.. I was driving on the M4.. I had 2 cars in front of me .. I was in the last car in the row ( third car ) .. the car in the front ( First car ) has braked suddenly .. The car in the middle ( second car ) hit it causing it much damage .. I could not stop at the right time and i hit the middle car afterwards .. Now .. The man in the middle car has lied to his insurance company and said that he stopped at the right time but when i hit him i made his car jump to the front and hit the front car .. I have now 2 insurance companies chasing me for money and treat me as a hunt because i had no third party property damage at the time of the accident .. My understanding was that the greenslip covers these things but actually they dont .. I have received bills from both companies.. 7000 AUD for the front car and 2000 for the middle car .. The details of repairs in the middle car ( that i hit on a very low speed) shows that damage at the rear of the car cost only 427 AUD and i offered them to pay it .. They refused and threatened me to go to court.. The police did not come at the place of the accident .. What do you think i should do?! How strong will be my situation at the court ?!

""I need insurance, but dont own a car, HELP!!!!!?""

Just like it says, need insurance to get my lisence here in NC but i dont got a car, HELP!!! I plan on gettin a car soon.""

Car hit me but i have no insurance. What will happen?

I was hit by a car, and it was the other drivers fault, but i didnt have insurance when this happend. Can the others drivers insurance still pay me for the damage on my vehicle? Or what will happen?""

Now that health insurance companies must give a rebate to companies for group plans?

that don't completely utilize coverage, according to an obscure audit formula, will those insured under the group plan feel guilty if they have to use it and it affects everyone in the plan's annual rebate check? And how will insurance companies make up for this loss?""

What is the cheapest car insurance ?

Right what it is , i lost my license for a CD10, Which is driving without due care and attention , Yes i know what you are all thinking and i have learned my lesson, I appreciate that i do have to pay loads more on insurance but my question is does anyone know a company who does cheap insurance for a convicted driver, Many Thanks in advance

https://www.linkedin.com/pulse/need-find-cheap-car-insurance-brenda-best"

[itsiotrecords-blog]

http://ift.tt/2slWtzm

The craziest celebrities are the ones that stay at the tip of our minds even after we see their last breath of day. Now that times have changed and we notice a different side of the music business, the harsh reality is musicians must consistently be seen doing unthinkable acts by the paparazzi to be relevant in the game. Even introverts like The Weeknd need to show their faces every once in a while, or they will quickly be forgotten in favor of an artist that can party hard. The lifestyle of red carpet events, drugs, groupies and scandals can only last for so long. A few of the most infamous party animals such as Anthony Kiedis from the Red Hot Chilli Peppers had to put it to rest. The other side of a musician’s lifestyle is most of the time represented by rappers, rock artists, and R&B singers dishing out lyrics about being in the VIP at a club or waking up the next morning not remembering what happened the night before. Most fans are expecting them to live up to the expectation and if not, they are considered boring. Who wants to pay $100 concert ticket to watch a dull artist? What we see on TV rarely matches the reality of these entertainers’ finances. Yes, we see the fancy mansions, decked out cars, a Rolex on the right arm or diamond grills in their teeth but it is only a small percentage of the truth. Let’s say it together everyone; music – business. Eighty percent is business, and twenty percent is what we enjoy as entertainment. It means the money can come quick like a train but might also disappear as fast as a one-hit wonder.

#1 Rihanna – Was $9 Million In Debt Rihanna is the epitome of pop star success. She is exotic, talented, funny, two-dimensional and has a net worth of $160 million. While the “Work, Work, Work” artist has wooed the hearts of fans worldwide, Rihanna has also run into cash flow problems in 2009. It does not come as a surprise because this was around the time she was in an abusive relationship with her then-boyfriend Chris Brown. Despite this fact, Miss Robyn Fenty pointed fingers at her accountant, alleging that he gave her terrible financial advice leading to her being $9 million in the hole. How can this happen, you ask? Let’s see. When Rihanna was dating, Chris Brown the both were in and out of night clubs as they fell in love, popped bottles and promoted themselves as artists. As a native Bajan (Barbadian), Rihanna is a jet setter that quite often visits her hometown. We also need to add that her best friend Melissa Forde has been a part of her entourage, traveling with Rihanna almost everywhere she goes. I doubt she is helping RiRi pay for first class flights and trips around the world while she is on tour. Nonetheless, most of her money went to purchasing a $7 million property that her accountant told her was okay to buy despite her over the top expenses. We’re rooting for you RiRi! We know you can keep pumping out hits to make up for your loss. A lesson to learn here is no matter how your romantic relationship can get, put the same effort into making sure that you don’t overspend.

#2 Ozzy Osbourne – Owed $1.7 Million In Taxes, Bought a Chicken Coop Ozzy Osbourne was at the height of his career in the 1980s when his album Blizzard of Oz went multi-platinum. He was energetic, fun, crazy; a natural born leader before and after he left his group The Black Sabbath. If you felt entertained while watching his MTV-reality show The Osbourne’s in the early 2000s, you could tell that the rock star persona was still in him despite having two children and a wife. Despite the family oriented/dysfunctional vibes on the show, there is one thing that Ozzy couldn’t resist while in his 20s, and that was quote on quote, partying like a rock star. He even has a single on the Buffy the Vampire Slayer soundtrack named “Party with the Animals.” What exactly does that mean? I’ll fill you in on the examples: His previous wife named Thelma Riley started to have enough of his partying. She went as far as buying a chicken coop, leaving him responsible for feeding his chickens at night. To show his wife he was unable to be tamed, he lit the coop on fire while shooting a gun. I can only imagine what she was going through. Thankfully enough, later on in life when Ozzy had financial troubles he and his current wife Sharon Osbourne pulled through and paid $1.7 million in back taxes. Now, that’s what I call a success story!

#3 Andrew W.K. – Blew All His Money Partying, But Smartened Up Andrew Fetterly Wilkes-Krier (aka Andrew W.K.) is a musician, music producer and songwriter who made popular hits such as “We Want Fun” and “Party Hard.” Not to say that Ozzy Osbourne had anything to do with his financial shortfall but Andrew was a headliner for Ozzy’s annual music festival called Ozzfest in 2001. A few of Andrew’s hit songs including “It’s Time to Party” were used in video games in addition to commercials. Wow! He must have been racking in a lot of money. Andrew W.K. considers himself to be a professional partier with no grasp of managing his finances. He has admitted to spending most of his money on partying because of hearing negative phrases from friends such as “money is the root of all evil” as he was growing up. Later, in life, a wise person in his circle told him that money could be good and bad. It depends on how people use it. As Andrew reminisced on the past, he thought about how he could have achieved more goals if he had handled it correctly. This guy might seem like an airhead because of the titles of his hit songs, but he came to realize that if you are poor, there is no way you can help other people and began spending his money more wisely on his family. What is the moral of Andrew’s story? Be weary of people that have bad money habits and beliefs that will make you think that money is negative.

#4 Puff Daddy (aka Sean Puffy Combs) – Has Had Artists Claim He Stole Their Money It seems that Puff Daddy has the world at his fingertips. Starting as an intern with Uptown Records after dropping out of Howard University turned out quite well for him. He is infamous in Miami for throwing all-white parties, and if you search his name with the word party, Google Image pages will tell the rest. Although the late Notorious B.I.G. is no longer with us, Puff Daddy helped birth the careers of many artists including French Montana, Mase, Bow Wow and the list goes on. Besides music, he made a smart decision to diversify his portfolio and opened a restaurant in 1998 located in the hot city of Atlanta called Justin’s, which is the name of one of his sons. In 2009 the IRS searched high and wide for Puff Daddy for a slightly over $7,000 back tax check for the restaurant. As a business man that always appears to be well dressed and so eloquent with his words, how can anyone miss that? Well, we all know that Puffy is known for partying and after popping bottles in the club for too many nights, forgetting to pay taxes for a business that is in another state can happen to anyone. Aside from his restaurant, there have been many of his artists that have come out of the woodwork admitting that Puffy cheated them out of money from music albums. The artists include the rap group The Lox, R&B singer Carl Thomas, and “Whoa!” Hit rapper Black Rob. No matter what Puffy is going through, the right thing to do is pay his artists for their hard work.

#5 Lindsay Lohan – Couldn’t Stay Away from the IRS or Jail She’s back! Yes, Lindsay Lohan is back in tinsel town. Not on the Hollywood scene but she pops up occasionally, in the news stories. Most know her for being an actress, but she is also a singer with four albums. I remember her as the innocent Disney star with bright red hair. I thought she was going to maintain the girl next door image. In the mid-2000s right before her career started to take a downturn, Lindsay would show up to movie sets late, became friends with Paris Hilson was pictured with Snoop Dog in the club and was proud of her behavior so much that she had a cameo in Pharrell Williams music video Everybody Knows. An infamous song about crazy things that happen at night clubs. Like Puff Daddy, the IRS came looking for her when she owed $250,000 in 2012 after she went bankrupt. After finding out that she had no plans to pay up, the IRS stopped her assets. Surprisingly enough, her celebrity friend Charlie Sheen helped her out with $100,000. Four years later it seems that her partying ways remain. We can at least say that she was close to being domesticated; she was recently engaged to a Russian Billionaire heir named Egor Tarabasov, later breaking up with him for his violent behavior. Well, it is never too late to get back on your feet Lindsay. One of the points we can learn from her story is there is nothing wrong with being a good girl. They usually last longer in their career and make better financial decisions.

#6 George Clinton – Lost All His Money To Financial Advisers  What is the first thing you think about when you hear the name, George Clinton? If you ask me, I reflect on the multi-colored dreadlocks and the party lifestyle that baby boomers would tell me about when they reminisce on their musical favorites. He had a good time performing with his bands Parliament and Funkadelic and earned the respect of the great James Brown. As he was traveling the globe with his band, taking part in some of the best parties while brushing shoulders with celebrities, he failed to pay attention to the little details of his compensation from the record label that he deserved. George went on the record to say that he earned less money than his fans thought. He had no idea that his business partners and managers took ownership of the publishing rights to all his music. If he played his cards right, he could have retired earlier on in life. Owning the publishing rights to hit music means receiving a check every month in the mail. In 1984 Mr. Clinton, unfortunately, filed for bankruptcy to avoid an economic mess. On a more positive note, George Clinton’s last day on tour in 2016 is on December 31 in Las Vegas. He also has a book that was published in 2014 out right now called “Brothas Be, Yo Like George, Ain’t That Funkin’ Kinda Hard on You? A Memoir.” Who knows? With all the tours, he had lined up this year and his book; there’s a possibility that he can get himself back in the green.

#7 Allen Iverson – Thankfully Will Get $30 Million When He Turns 55 Allen Iverson wore many hats as an NBA player including being a rapper. It is common as a matter of fact for most athletes to want to step into the studio. I once asked one of my NBA obsessed friends what happened to Allen Iverson? Nothing had me more prepared than watching a documentary on Netflix of him called Iverson. He had a whirlwind of media scandal’s, and it doesn’t help that his cornrows (at a time when they weren’t a favorite of the NBA), and his thug-life persona was intimidating to society, although he was known as being one of the top shooting guards ever to live. Allen Iverson lived a lifestyle behind the scene like most American athletes. He partied a lot, and the money gave him a bit more pep in his step to the point when he thought he could say controversial comments to the press and get away with it. Sources state that he made up to $200 million throughout his career, mostly from his endorsement deals. In addition to fancy jewelry, real estate, and fast cars it started to override his fame and when the day came that the courts garnished his bank account, it was a life awakening event. He opened his statement and noticed a $900,000 deficit for payment towards jewelry. Out of all the organizations that he can thank for an opportunity is Reebok. He apparently has a $30 million trust with the shoe company that will become available the minute he turns 55 years old.

#8 Amy Winehouse – Did Not Have a Will Amy Winehouse had a heart full of soul, broke boundaries of what jazzy rhythm and blues looked like, lived her life like a rock star and her meltdown was captured by media for the world to see. Even until today, new artists from the UK mimic her singing style to continue the legacy of Miss Winehouse. Before she died, Amy was married to Blake Fielder, who many blame her excessive partying and drug addiction due to the emotional abuse that he imposed on the creative songstress. Shortly after they got married, we started to see a different Amy Winehouse. After a crazy night of partying, the paparazzi caught her walking barefoot around London town. She was drastically losing weight because of her drug addictions. Her voice was taking a toll and news outlets publicized that her performances including the one in Dubai in February 2011 were a disappointment. Her estate was said to be worth over £4 million which equals $6.7 million in US dollars. However, with her additional debts and taxes that needed payment, the most disappointing part of this story is she did not write up a will before she left to give what was left over to family and loves ones. At the end of the day from a financial perspective Amy Winehouse lost out big time; when our time to go comes we can’t take the money with us which means the tax man and other non-family sources took over what she worked so hard for.

#9 Luke Campbell – Thought He Was Too Cool For The IRS If you don’t know about Luther Campbell, get ready to learn today. Luther is infamous for making hit music (that in my opinion) started the campaign of booty shaking songs all over the world in the early 1990s. If you think misogynistic music is bad now, imagine how much it was not accepted back, then. The lyrics in his music stirred controversy and here’s how it happened. In 1989 he was in a group called As Nasty As They Wanna Be and a hit single on the album caught the attention of the American Family Association (AF) leading to court visits for making obscene music. Now to get back to the topic, Luther Campbell was the Jamie Foxx of our time throwing over the top parties with women in itty-bitty swimsuits with rappers, R&B singers, rock stars and their entourages all in one house. Although he is known for starting a musical trend that brought him millions of dollars, he had to pay off legal fees for his raunchy lyrics and was also unable to pay the IRS $74,000 in taxes in 2012. To go back in history, his record label Luke Records went into bankruptcy. At the end of the day, Luther now works a few jobs as a Miami New Times writer and is the coach for a Pee Wee football team. What can we learn from Luke’s story? Watch your words, actions and what you write. It might offend someone and if you decide to cross the line, make sure it is timely. Breaking the mold in a traditional industry might sound genius but give it time and break down barriers when the time is right.

#10 Lil Wayne – Spends $55,000 a Month on a Jet Lately, Lil Wayne has been in the tabloids more for his lifestyle versus his legacy of making epic music. He is one of the few mainstream rappers that was good enough to sit in on an interview with Katie Couric in 2009 on her talk show named Katie. Wealthy Millennials in the suburbs flocked to his skateboard riding persona even though his lyrics about being ghetto fabulous were not even close to their reality. The one thing that Lil Wayne or his public relations team can’t deny is the man partied more than a DJ. He has even spent $30,000 at Diamonds club in less than 3 hours. A $30,000 donation to an organization for in-need families would have been a better expenditure! Nonetheless, the stories about his career with Cash Money Records were leaked, his $55,000 a month jet and $30 million worth of fine art in his Miami Beach castle were re-possessed. I need to add that he also owes $2 million to a company named Signature Group, and is still in financial dispute with Cash Money Records owner Birdman for money from previous albums he hasn’t received. My goodness. I hope that Lil Wayne figures it out or gives us another great album to take care of his situation. The lesson today from Lil Wayne’s lifestyle is to curb expensive addictions and pay attention to the small details of money you spend. Partying is a luxury, but when the year ends, and you have nothing to show for, the only person you can hold accountable is yourself.

#11 James Hetfield – Wasted Money on Drugs and Alcohol Forcing Them To Keep Working If you have a debate with your friends about the best rock band ever to exist, Metallica might end up in the conversation. This group has traveled to perform in all the great cities worldwide. North America loves a lifestyle train wreck to success story no matter who it is, and it helps even more if you are a musician. James Hetfield admitted to cleaning up his act after a long time of drinking excessive alcohol and being addicted to extracurricular drugs. In 2001 he became sober and got his life back on track. Woo hoo! Even an alcoholic with a resilient liver can’t fight off the way it impairs your mind, lessens the number of brain cells to improve memory and makes you make irrational decisions. James and the group hired staff they could not afford and were unable to keep up with an entertainment corporation. Because of the mishaps, Metallica cannot retire; they have to tour every summer to make up for the loss. They tried to create a movie, but unfortunately, the film Through the Never flopped. It was over budget, and if successful, it could have helped them out with a chunk of their debt. As one of the thought to be richest bands in the world, James has a lot of work ahead of him. To all of the upcoming rockers reading this story. Do your best not to let this happen to you.

#12 The Goo Goo Dolls – Made $0 Off Album  Another fete passionate group, the Goo Goo Dolls, made our list. While we wish they had a better story ending with the success of their musical catalog, it looks like fun parties and keeping up with the Joneses was one part of the business this band couldn’t resist. More recently in 2013, Johnny Rzeznik, the lead man in the group stopped drinking. He told CNN “I quit drinking. And that lightened up my perspective on the world quite a bit… I think our last album was a bummer. But the only way out is to go through, so that was going through. And now we’re out on the other end.” In the 1990s the band sold over 2 million albums while under contract with Warner Bros. Even after the Goo Goo Dolls owed Warner Bros. money, the record label was kind enough to give them an advance after completing the Dizzy Up the Girl album in 1998. Until this day, none of the members have seen one penny of royalties from earnings for the album. It makes full sense that the strategy for the record label to request an album was to recoup the money. We would think that the three members learned from their partying ways back in the day, but more recently they surround their performances around parties. The moral of Goo Goo Doll’s story: a rock star lifestyle can be a reality without doing things to destroy your life. In your twenties and thirties you can catch up, but if you’re forty years old in the business with no assets to your name, you may have to start all over again.

#13 Courtney Love – Walked Away From Nirvana Collection When I think of Courtney Love, my mind turns to Kurt Cobain, plastic surgery and her love for the nightlife. Her first music video I can remember on MTV made me believe that she had what it took to be the next Madonna or being respected much like her counterpart (back then) Gwen Stefani. Whether it was her personal issues or the death of her late husband Kurt Cobain, she was the talk of the town and not for the right reasons. If you are thinking that she was caught a few times in her past for being tipsy, it is 2016 now, and she ended up booted out of a Guns N’ Roses party at Coachella for drinking too much. Who gets tossed out of a rock stars party? That means she was acting out more than a male pop artist that will get a pat on the back for his behavior. It is a belief that she is worth $150 million but let’s not get ahead of ourselves. She made $27 million of Nirvana’s estate disappear; apparently, she inherited this money in 2006 after her husband died. When interviewed by the Business Insider about this she said that she “had to let it go.” If she was sober when she made this decision, her daughter Frances Bean owns the Nirvana music catalog, and after turning 40 years of age, she will be the board member of the Empire. Note to self, never make a child responsible for an estate. While this sounds like a good way to create generational wealth, you have no idea how your son or daughter will turn out. Five percent of the Estate looks good. Twenty-five percent of the estate, even better, but be ready to groom them for the responsibility before the time comes.

#14 Busta Rhymes – Forgot To Pay His Taxes Busta Rhymes had the swag to become the next Snoop Dog. His dreadlocks, tough guy stare, heavy build and Jamaican accent in some of his songs were loved by many. If we count down the top 20 rappers of all time, he will end up on the list. We don’t know if it was his fast rapping style or his fearless New York mindset, he couldn’t shake off the nightlife. Busta Rhymes music played at night clubs, weddings, and birthday parties. It didn’t take rocket science to realize at the beginning of his career that he will carry out his lively personality we see in his music videos in night clubs in New York, and major cities he would perform in. Much like the other artists in my article, Busta forgot to pay his taxes on time owing more than $800,000. He even dedicated partying in a rap song featuring Zhane named “It’s a Party” in 1996. In 2015 at an after party for the BET awards, Busta ended up being in a club where a shooting took place. He was with rappers Meek Mill, The Game, and T-Pain. Also, he is the life of the party so much that fashion designer Alexander Wang called him on stage at his after-party in September 2012. When a successful fashion designer invites you to a party, you know you made it in life. Busta is also a good time Charlie with prim and proper celebrities. In 1997 the cookie cutter Martha Stewart took pictures with him on the red carpet at the MTV Music Awards.

#15 Tupac Against the World – Was Worth $40 Million But Died With Under $100,000 When you are an artist signed to a music label named Death Row Records it is probably a part of your contract to live out the life of a real gangster. Tupac Shakur was a man of many faces; besides the one we know the most, he was an activist, critic of politics, and an avid reader of the sciences. That is not bad for a gangster rapper! At the same time, Tupac had his share of run-ins with the law and had no choice but to live up to the thug life image with a boss like Suge Knight. He was conflicted between being a simple man or pursuing a new career. Before the end of his demise, Tupac Shakur wanted to turn his skills that he learned as an actor in Gridlock’d (co-starring the British actor Tim Roth) into working in front of the big screen. There are many theories out there as to why he is dead; Tupac wanted out of Death Row Records to change careers or the hip hop beef with the Notorious B.I.G. At the end of the day, the most shocking part of his lifestyle is he died with only $60,000 in the bank. Say what? How can a man with a net worth of $40 million die with less than a $100,000 to his name? Here’s the answer. As much as he was an intellectual, Tupac loved late nights at the nightclubs. Before he passed, he was engaged to music producer Quincy Jones daughter Kidada Jones, but before then he enjoyed the presence of female groupies. His assets such as his beautiful rental house in the Kardashians hometown of Calabasas was taken care of by Suge Knight and his fancy Rolls-Royce, Mercedes-Benz and BMW on rims were all owned by Mr. Knight as well.

Source: TheRIchest

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