#ok will i have to spend like $100 from the total $150 that i have just bc this phone died. hell on earth

[partnersatfazbear]

Fazbear Frights: What We Found Analysis

Here’s my analysis for What We Found, the third story in Gumdrop Angel. I wrote this as I read so it may be a little different than my previous analysis where I read the story first and went back.

If you’re a Michael Afton fan I highly recommend this. Also, there’s possibly some insight into William Afton, Mrs. Afton, and Henry too, so it’s worth a skim.

Pg 144 '...a place thirty-some years forgotten' Just reconfirming FNAF 3 is 30 years past *one* of the FNAF closings, presumably FNAF 2 location.

Pg 145 "The whole building was giving him [Hudson] a headache." FIX THE VENTILATION BRUH

Pg 148 '...they were able to use salvaged derelict equiptment original to the old pizzerias.' Another confirmation of something we heard from Phone Guy.

Pg 147 "How old are you?" "Twenty-three, same as you." I think this gives us Michael's age during FNAF 3.

EDIT: This kept me awake last night. Obviously this is impossible because he has to be alive for at least 10 years before 1983, BUT maybe its just reconfirming FNAF 3′s year? 2023?

Pg 149 "Hudsan's dad died and his mom married Lewis, a ridiculous balding man who wore plaid vests and smoked a pipe" Did... Did this book just seriously imply Mrs. Afton left William for Henry? Really? (Yes, there's differences; the husband is dead and the man wears plaid 'vests' but it seems very odd to include that detail. This could just have been the writer's own imagination, though.) I have seen this as a fan theory and 100% explains the jealousy aspect of William, but I can't help but kinda hate it. I think this is very important, though, and probably Scott's intention. "This horrible little man [Lewis]... would make Hudson's next ten years a living Hell" This REALLY intrigues me given the context I just went over. The text implies Lewis was fairly neglectful to our main character / Michael stand-in Hudson. Maybe I'm wrong and for some reason Mrs. Emily left and went to William? XD Haha, I'm reading too much into this page. Maybe I'll come back to this later. I figure it's more of Scott possibly including double-details (contradicting stuff with the same character that really applies to two, which has been something I heavily pointed out in previous anaylsis on this blog) Having said that, I'm going w/the former because I can't imagine Henry being abusive (neglectful yes, abusive no) and he's never been portrayed that way in official works like William has in the novels.

Pg 150 "Hudson began to screw up in class...a product of spending the night in fear that his stepfather [Lewis]... [would] beat him just for the fun of it." Ooof. Big confirm on William actually being abusive. Unless we stick with the Henry theory for Lewis (combined with Midnight Motorist Henry theory / alcoholic). "...near-daily beatings..." "his mom started taking pills to get through the day..." So, whoever Mrs. Afton is, she was definetly not paying attention. But then, most people married to serial killers either don't notice because of denial (like this) or because the killer is so manipulative / careful they can't notice.

"Barry, who had red hair and freckles..." Yo?! Is that a description of Fritz?! These friends in the story could be the other kids Michael knew's stand-in's, aka the two gravestones with names he used (Fritz and Jeremy), as shown in the checks for the games and FNAF 6. I've long figured Michael was probably friends with the victims--it makes them easier, although riskier, targets [for William]. The two friends are male, too, like Fritz and Jeremy. If you're curious about Duane's description (our stand in for Jeremy), it's "tight black shirt... muscles... black hair long enough for a glossy ponytail..." I'm not sure if this matches anything found in the novels or contradicts them, though. (The novels = TSE trilogy)

"And so it went... until the night of the fire." For context, this is before FF burns down. We're learning of Hudson's life from his close friends in childhood, his father's death, his mother remarrying, to his abusive stepfather, to his grades slipping to this line. This would be a new fire not seen/mentioned in the games...

Pg 151 "...go to Charlie's for a sundae..." Really. Really Scott. Just gonna use this name again. OK. I'm not even gonna discuss this because it's probably irrelevant. *This is confirmed on pg 158 to be an ice cream shop. No lore relevance aside the annoying name coincidences Scott loves to troll with.

"This is not... an advance into enemy territory, a fight with demons, or a descent into Hell..." Uh, what? What is Hudson talking about? XD I'm only noting it because it seems so out of place. He's probably talking about video games or something.

Another note, although I don't have a specific reference since it is mentioned off-hand many times, is that Hudson keeps referring to his "history" which is implied to have kept him from getting a well-paying job and a girl he's crushing on doesn't know this "history" which is good for him. Seems good old "Michael Stand-In" has done some jail time or something. Edit: On pg 154/155 the girl asks Hudson, "Did you do it?" Seems he may have killed his stepfather or been involved with something else just as bad. Edit 2: No, I was thinking too deep into it. This probably refers to Evan's death at Fredbear's. DUH.

Pg 156 describes an actual "prize corner" in FF! What am I even reading? IIRC this is in FNAF 3, too. So they just hand out these scary gift boxes to people that complete the attraction? (Hudson says he *would* have fun handing out the scary toys to kids when this location opens--kind of a bully thing to do, eh?)

"[Hudson] avoid[ed] glancing in any of the mirrors..." I'm only pointing this out because it could be reference to one of two things. 1) We know because of one of UCN's music tracks, William has a fear of his reflection. Michael probably shares this trait, especially since 2) after Ennard and all... and later on pg 157 it also says, "he never wanted to face: himself" Sounds like guilt, my guy.

Pg 157 "blonde hair... blue eyes..." Hudson shares an eye color with Michael. It's possible Michael had blonde hair as a child and it changed to brown (it's common, something I personally went through being technically blonde/ blue eyed myself)

"He [Hudson] knew from personal experience that toys could turn from fun...to torture ina heart-beat" Fairly self explanatory. Either Hudson's worked at a creepy location before or he doesn't like remembering Fredbear's.

*checks how much is left.* There's still 35 pages (not counting back/front) left of this... This is gonna be a lot of notes.

Pg 158 Hudson doesn't have a car. Poor Mike, probably having to walk everywhere. Especially as a corpse.

Pg 160 This page describes many physical issues Hudson has that prevents him from entering the Navy, all from the abuse of Lewis. Obvious paralell to Michael becoming an undead [because his father sent him to CBPR indirectly causing his condition]

Pg 161 "How's your granny, Hud?... ...Is she still alive?" "I don't think she can die." Does anyone in the Afton family really 'die'? XD

Pg 162 These few pages discuss Hudson's grandmother. She's described as "a seer who claimed to know the future... ...wore big men's plaid flannel shirts with baggy jeans" Um, more plaid / flannel? AGH. STAHP. Lowkey, I would totally headcanon my Aunt Jen like this, though.

Pg 163 "Hudson's mom... the way she was before Hudson's dad had died... never... particularly warm and fuzzy... but... effiencient and responsible..." More about Mrs. Afton, so that's kinda neat.

"Hudson's dad was fun and attentive." There's a good Dad in this series?

"Unfortunetly, he also struggled with mental illness." "invisible low points" (Pg 164) Kinda reminds me of how Henry is described after Charlotte's death in the books.

Pg 164 "When Steven got himself into a bad deal that cost him his small business... he'd taken his life." Oh, it is Henry! SMH. Way to use confusing paralells. So, from our understanding thus far, Hudson's real father, Steven, is our Henry stand-in. His step-father despite being described similar to Henry, is actually our William stand-in. Fair game, Scott.

Pg 164 "...he [Hudson] was locked into a supply closet..." Oh shit, you guys. So, let me go on a tangent here, because this IS important! I just watched a retrospective on Sister Location and FNAF 6 earlier and one theory for Midnight Motorist was the person in the chair was the mother and the kid was Michael. I think this little line may confirm that. In fact, the story may be the key to figuring things out. Obviously, the line is a paralell to FNAF 4's scene in which Crying Child was locked in the supply closet of Fredbear's. I know some people, including Matpat, believe[d] CC was Michael, and in this book's context, it sort of works. This does contradict Step Closer and 1000 other things that make Michael the older brother, but maybe it's hinting at MM? Abusive stepdad (possibly Henry... maybe William is gone at this point), checked out Mom (hey, grey couch lady with Foxybro's font). IDK, but its definetly something to think about.

Pg 165 Lewis is mentioned as calling Hudson "nothing" and saying "you're nothing" on several occasions on this page. Just more abuse, for those accurate fanfic writers like me. Also I kinda wanna watch Morel Orel again. Yall know my fav character is Clay. Yall know.

"You're smoke." <-- Lewis / The text later reads, "...there was some irony, given what eventually happened." BRUH. Why did your stepdad die in a fire? :V TELL ME.

"When his family's house burned down at the end of his senior year..." Huh. Is there a fire we don't know about in the game-verse? Could this explain what happened to the FNAF 4 house before MM house?!

"...it purged Hudson of Lewis and his mother." MRS. AFTON BURNED ALIVE, TOO? Bruh. I can't with this story.

The text later describes the fire is concluded to be man-made and Hudson was blamed for it. Can't say if this ties to Michael, but it IS interesting... TBF, there is a small paralell to draw between Henry in FNAF 6 and his history of suicide in the books, too.

Pg 166 "...this place's [FF] busted thermostat.." I just find this line funny.

Pg 167 "...after three weeks of keeping an eye on the place" Some more timeline context for FNAF 3. We know that Michael worked there a little while before we start playing the game thanks to one of the phone calls, IIRC, so this makes sense. If Michael was accused of [something] and also wanting to hunt down his father, then it makes perfect sense why he's working a dead end job at Freddy's over and over and over. Fun fun fun.

Pg 169 "He hated to think about a functional character [Foxy]" This line is in regards to Hudson not liking the set up of Pirate's Cove and Foxy's hook to scare people. Sounds familiar, don't it? (For Michael anyway.)

Pg 173 "Some big find is arriving tomorrow." SPRINGY BOI! COME ON BOOK, get on with the show?

Pg 176 "Granny was wearing a red-and-green plaid shirt and her baggy jeans." Nothing special, but it was specifically brought up twice. I'm kind of racking my brain trying to understand what the point of this character is outside of "woooo everything is haunted don't you know that" kind of character.

Pg 180 "...dropped the crate on the linoleum with a resounding thud." HEY. Poor Springtrap, just gettin' tossed around like the trash he is.

Pg 186 "If you weren't so stupid, I'd tell you more about it." Springtrap bringing the burn. =:)

"A voice with a burr-like rasp...hint of a Southern accent" I'm going to assume this is because it's Lewis probably in the suit in this story and not our old British lad.

"It's was Mr. Atkin's voice." THE MATH TEACHER? *goes back to check* 'The algebra teacher'. Okay...

Pg 190 Okay, so Hudson hear's Lewis' voice this time. Okay, I get it now. Springtrap in this kind of imbodies all of Hudson's old bullies, including the teacher. He also has PTSD, just FYI. IDK if anyone finds that important, but it's fairly obvious by the line "He wasn't in his bedroom. Lewis didn't just slam his head into a desk; his head had been slammed into the [arcade] game."

"Why did he hallucinate a scene from his childhood?" Oh, it's not PTSD, then. It's just the VENTILATION ERROR. lol Okay.

Just a note, as I'm reading through the more action-based stuff, I kind of feel bad for Michael if he had flashbacks like this guy. They're intense.

So, Lewis' voice finally comes out of Springtrap on Pg 213. There's that.

Pg 220 "You can just stay there [in his room]" Kind of a paralell to Midnight Motorist. Lewis is saying it to Hudson. I really feel like the kid in the MM game is Michael because of this story...

Pg 223 "Heat purges. Fire heals." I'm sure that's Henry's life motto.

The ending was stupid, but most in these stories are. Hudson is hallucinating and is implied to have burned himself alive in FF's oven. Meh? The first half of this one is A TRIP and a little insight into what I 100% believe is Michael's childhood. I think the saddest part of it all is that we never got Springtrap speaking to Michael in FNAF 3--and if it's ever remade I hope we get more of them interacting.

#fazbear frights #fnaf spoilers #spoilers #what we found #michael afton #springtrap #fnaf theories #fnaf theory #fnaf 3 #midnight motorist #mrs. afton #henry emily

[jibrillenyan]

Eldarya Come-Back

[Disponibile in Italiano qui]

Eldarya EU servers are back up. For people out of the loop, a fire destroyed both the servers and the backups of Eldarya. It's not beemoov's fault.

BR and US servers, stored somewhere else, are perfectly ok.

The FR server accounts were lost, but the story retrieved.

All the others (IT HU PL DE ES RU) have both the accounts and the story wiped out. ANE has been re-translated/Recovered, but origins is currently only playable in english.

Only the first 2 episodes of ANE have been translated so far. Errata corrige: PL, RU, ES haven't released any ANE episodes yet. DE IT and HU have the first 2 available in english. DE and HU appear to be broken.

Level 7 and episode 6 of origins (completed) are needed to access the market.

BUG REPORT: Currently there is a bug where if you change the name of your companion for the first time after evolving it you lose 100gc. please take care.

BUG REPORT: If you already have a companion and you play episode 3 of Origins you won't be able to hatch the companion Kero gives you and you might get stuck right after "Objective: Go to Kero’s room to complete the Companion Questionnaire" 

Accounts must be recreated. You have to create a new account and, if you ever bought maana or gold coins, follow the instructions below.

I REPEAT, ACCOUNTS ARE LOST ON THE EU SERVERS. YOU MUST MAKE A NEW ACCOUNT. (sorry, I get this one a lot)

FAQ of sort under the cut, original here. Italian translation will be here starting tomorrow. warning: it’s long XD

♦ WHAT DO I GET?

Everyone gets 1000 maanas, 100 gold coins and 350.000 ancient coins upon creating an account. You will also get 5 big exp potions, 10 small, 5 big energy potions, 10 small, 1 evolution potion and 3 incubators. You will also get the companion Sogiluv... it's not very good. You can retrieve some (most?) of the currency you bought by contacting the support (see below), you will be credited maana/ancient coins depending on your purchases; once you get the money back the 3 spin-offs will automatically unlock, along with the bank outfits.

The first companion to hatch will require no incubation time.

BR and US Server got 10.000 AC for their troubles too, but no maana or GC or items.

♦ I ENDED UP IN THE WRONG GUARD.

Please check this page. Re-doing the 3rd episode of Origins WON'T help.

♦ DECORATING GUARDIENNE'S ROOM, EP 5-6.

If you want to know how to get the guy you like AND have the room decorated by him, or other questions along these lines check this link

♦ WHAT'S THE BEST COMPANION TO USE?

Since you can now get any companion you like if you want to get the "best" one in terms of energy/luck ratio you should consider these:

PLESE NOTE: Hatching an adult companion (Chiromagnus, Blobbiathan) has the advantage of giving you an adult companion AND saving the evolution potion. This could be nice to have, for example, during a map event, you can use all the energy of your companion after midnight, then hatch another egg, use all the energy of the baby, evolve with the potion, use all the energy of the adult. If well played , with a baby companion, it means potentially 400-500 energy to use on the map

"Best" Companion, bought food (36 maana): Blobbiathan Energy 170 (already an adult when hatched) Luck 360 - 400

"Best" Companion, bought food (30 maana or less):

1. Chiromagnus Energy 160 (already an adult when hatched) Luck 340-390

2. Zarali Energy 90-160 Luck 350-380

3. Ocemas Energy 100-150 Luck 310-360

4. Ciralak Energy 110-160 Luck 300-350

4. Rawist Energy 110-160 Luck 300-350

"Best" Companion, farmed food (in exploration):

1. Alfeli: Energy 80-150 Fortuna 320 -370

2. Gallytrot: Energy 110-150 Fortuna 320-370

I consider the Alfeli "better" because its food, elven grapes, comes from a 20energy/30 min area, Mont sizhe, compared to the food for the gallytrot, gallyflore, from the Cave (35 energy/60 min).

♦ WHAT CAN I USE ANCIENT COINS FOR?

There is a special ancient coins shop (Until May 9th) with ALL the items ever released in the game. I do not advise using them for Origins illustrations but I suggest you grab some of the rarest items at least. It's among the boutiques.

BANK ITEMS WILL ONLY APPEAR AFTER RETRIEVING THE PURCHASED CURRENCY (? Im not sure about this, some are there from the beginning and I'm still waiting on the email I sent for the currency)

♦ HOW LONG DOES THE SHOP LAST?

May 9th

♦ HOW DO I GET MY BOUGHT MAANA/GOLD COINS BACK?

Go to "your account" by clicking on your name (top right). There is a button to retrieve the credit, for many payment options there is a simple form to fill.

However, if you paid by credit card or paypal you have to send an email to the support (you can get the adress by clicking on "other"). In the mail you should include:

Credit card:

- Old/New Username (if they aren't the same) - The email address associated to the accounts - The date and the amount in €/$ of a recent transaction (max 12 months old, the most recent, the better). - Last 4 digits of the credit card you used. - I'm not sure what happens if you you used more than a credit card, I'd suggest sending one transaction per credit card and telling them about this issue.

Paypal:

- Old/New Username (if they aren't the same) - The email address associated to the accounts - If it's not the same email address, the email address/username of the paypal account. - The date and the transaction ID* of a recent transaction (max 12 months old, the most recent, the better).

* Transaction ID's can be found in the confirmation email you get when you make a payment or on the paypal website, in the payment history section.

One ID should suffice, they can retrieve them all from there.

♦ WHAT DO YOU ADVISE WE BUY?

On a general note, do not buy things that can be found at all times, like explorations items, other than that, anything you like, but I'd at least consider to buy/play the following:

*** PLEASE NOTE: I've heard rumors that during each event, you will be able to find things in explorations from the previous events of that kind, so easter should have the other easter events' outfits on the map. I'd wait a bit to spend the coins to see if we get any confirmation, the store will be open until May 9th.

HOW CAN I KNOW WHERE (SOMETHING) IS FROM?

Wiki. Or This wonderful site. Or the wikinyan (c'est moi!), I don't mind answering specific messages, I'll update this post with any question I get. If you don't know the french name you can find it out in the French shop.

1. COMPANIONS:

Other than the event companions that you like you should probably consider...

GET:

Minaloo and Draflayel. These only comes from the purro'swap. Once the store closes, if you're unlucky, you'll never see them again.

Calunko and Bunraku. They're 2 of the japan expo rewards and with the merchandise boutique closed, they're incredibly hard to obtain, you need a physical code.

Chiromagnus, while you can get this from explorations, the scroll for it is extremely rare, and 2000 AC is stealing it.

ON THE FENCE:

The Seryphon , Poulpatata (both of them) and the chestok. These can be found on AH but require Gold coins to get in exploration. Personally I won't get them, but it's personal preference.

SKIP:

All the normal explorations companions, no matter how rare. They'll start popping up at the market soon enough

2. CLOTHES:

This is clearly completely at your own discretion, Events and ranking rewards should be considered. However there are some times never released before, like the fireflies so...

GET:

Fireflies. A beta-tester reward item, they were never made available to purchase before.

Steam girl set (Total: 1594 AC). It's the japan expo 2017 reward, 9 pieces

Maana demon and its other 3 colorations is a skin never seen in the game, previously reserved for admins. It could however be added to explorations, like other items of this kind.

Frency French was once an inside joke for ChiNoMiko, has not been made available to the public before, you can buy the skin, the hairstyle (it's a special jackson), Frency French Top, etc it's just a joke, but it's still something you won't see again, if you like it.

ON THE FENCE:

Depending how much you hate alchemy, you can consider some alchemy stuff.

Some rare Skins like Nan'vi, that could be hard to find in explorations

Rainbow and Pearly hair colours, if you like them, they can be rare/offered only in rare circumstances.

Crylasm set (526 AC), top, socks, hat. It was a special Christmas outfit released one piece at a time during Christmas events of 2016, 2017, 2018

Healer support Set (400 AC), made of 7 pieces, it was a special gift given at the beginning of the 2020 pandemic)

Rainbow Spirit (1594 AC), released for the 2020 Pride month (sorta)

Guard ranking rewards, the total il 11.980 AC (thanks Desdhi ♥)

SKIP:

Anything normally on the shop, or from (normal) map explorations.

3.ILLUSTRATIONS:

GET:

Possibly the event ones you like the best, there should be 42 event illustrations for a total of 105.000 ac

SKIP:

If you have the time to farm, the episodes' ones. They're way cheaper with replay, with a few exceptions (see below).

ON THE FENCE:

There are a few episodes where it's cheaper to buy the other illustrations than replay, I'll make a list below.

♦HOW MUCH IS... 

EGGS

As "one time" I mean it's either now or never, so exclusive items or event items, unless they come back with their event.

No Explorations is events + rare +the stuff  that you would pay gc to get the bait for

All the eggs: 222.400,

One-time + rare ones: Chiromagnus, Minaloo Draflayel: 164.500

one-time: 158.000

No explorations (+GC/rare ones): 180.700

BACKGROUNDS:

All: why do you hate yourself? don't. it should be around 5660

Events only: 2460

EPISODES:

Event Illustrations are 2500 each, Episodes' 2000

It's generally cheaper to play the episode to unlock illustrations. Coins won't disappear, so if you can slowly make your way up you will end up saving A LOT of Ancient Coins. During episodes, each dialogue is 2 AC

(cost is rounded up) (!) = Replaying is not worth it, money wise (*) = more expensive than 1 illustration, but still worth it in the grand scheme of things

(how much it costs playing Origins VS how much it costs at the shop)

Episode 1 - Free - 1 Illustration, play once (FREE vs 2000) Episode 2 - Free - 3 Illustrations, play twice (FREE vs 6000) Episode 3 - Free - 1 Illustrations, play once (FREE vs 2000) Episode 4 - Free - 2 Illustrations, play once (FREE vs 4000) Episode 5 - Around 1200 maana - 3 illustrations, play 3 times (3600 vs 6000) Episode 6 - Around 1500 maana - 2 illustrations, play once (1500 vs 4000) Episode 7 - 1200maana ca - 4 Illustrations, play 4 times (4800 vs 8000) Episode 8 - 1700maaana ca - 4 Illustrations, play 3 times (5100 vs 8000) Episode 9 - 2000 maana ca - 1 Illustration, play once (2000 vs 2000) Episode 10 - 1500 maana ca - 3 Illustrations, play 3 times (4500 vs 6000) Episode 11 - 1900 maana ca - 2 illustrations, play once (1900 vs 4000) Episode 12 - 1500 maana ca - 3 illustrations, play 3 times (4500 vs 6000) Episode 13 - 1500 maana ca - 3 illustrations, play 3 times (4500 vs 6000) Episode 14 - 1500 maana ca - 2 illustrations, play once (1500 vs 4000) (!) Episode 15 - 2500 maana ca - 3 illustrations, play 3 times (7500 vs 6000, it's better to buy the other 2!) (!) Episode 16 - 2150 maana ca - 1 illustration, play once (2150 vs 2000 it's still worth to play the episode) (*) Episode 17 - 2450 maana ca - 3 illustrations, play ONCE (2450 vs 6000) Episode 18 - 1900 maana ca - 6 illustrations, play 3 times (5700 vs 12000) Episode 19 - 1700 maana ca - 4 illustrations, play 4 times (6800 vs 8000) Episode 20 - 1800 maana ca - 5 illustrations, play 4 times (7200 vs 10000) Episode 21 - 1800 maana ca - 3 illustrations, play once (1800 vs 6000) Episode 22 - 1700 maana ca - 4 illustrations, play 3 times (6800 vs 8000) (!) Episode 23 - 2100 maana ca - 4 illustrations, play 4 times (8400 vs 8000, it's better to buy the other 3!) Episode 24 - 2000 maana ca - 2 Illustrations, play once (2000 vs 4000) (!) Episode 25 - 2500 maana ca - 3 illustrations, play once (2500 vs 6000) (!) Episode 26 - 2200 maana ca - 4 Illustrations, play three times (6600 vs 8000, it's better to play once for 2 illustrations then buy the other 2!) Episode 27 - 1800 maana ca - 4 Illustrations, play 3 times (5400 vs 8000) Episode 28 - 1700 maana ca - 5 illustrations, play 3 times (5100 vs 10000) (!) Episode 29 - 3250 maana ca - 4 illustrations, play 4 times (13000 vs 8000 it's a huge ac loss to replay) (!) Episode 30 - 2400 maana ca - 4 illustrations, play 4 times. (9600 vs 8000 it's better to play once and buy the other 3)

Grand total so far: 93 Illustrations, 71 playthroughs, 58 suggested.  Extimated maana/Ancient coins: 129.000 replay eveything vs  186.000 buying everything. Optimal:  122.750

IF you play everything once then buy the rest you should spend around 146000

* Optimal means buying the illustrations where needed before May 9th, then play all the episodes at your leisure.  The episodes where you'd have to buy illustrations are: 15, 23, 26, 29, 30.

Please remember that if you buy the illustrations then you decide to play the game you will ended up paying not only 186.000 ac for the illustrations, but also roughly 60.000 to play all the episodes. The only case where my racommendation is to buy the illustrations is if you really don't care about origins or you only want a few illustrations

#eldarya faq of sort #eldarya

[saiyanhajime]

My First Artist Alley at a Comic Con… What I’ve Learnt

I’ve thought about selling my wears in artist alley for something like ten years now… And aside from feeling like my stuff isn’t good enough to compete until relatively recently, the main reason I hadn’t given it a whirl until now was the cost. I couldn’t understand how it would be financially viable, and if you’re here to find the quick answer to that same burning question, the answer is it’s not - at least for me. But if I’m being honest and perhaps a little harsh, I can’t really see how it could be what I would consider truly “worthwhile” for all but the most successful artists in the alley when you factor in all expenses.

But would I do it again? Hell yes. Did I have fun? Absolutely! Was there value in networking, making friends and social media gains? Yes, yes and yes!

I went to London Comic Con Spring run by Showmasters. I choose this con because of a few reasons, namely that it was the next local con with tables left when I started seriously obsessing over wanting to do this.

The stall was very reasonable at £80 (but I paid an extra £30 for an additional person to help out.)

This convention is a lot more Film and TV focused than was ideal for what I thought my audience would be - with their main highlight being their guest signings. I knew this going in and my assumptions were right, I think. That said, the “small press” section of the event was wildly varied, but it did feel like actual comic creators were doing the best of us all.

The Expenses

The costs add up, fast. A £ here and there and you’ve racked up £500 or so worth of expenses before you’ve even factored in potential travel, food and hotels… Let alone time. I know you’re probably thinking you wouldn’t spend that much, but believe me - if you record EVERY cost related to getting your stall together, you’ll be shocked how fast it accumulates. You’ll find yourself looking at all the £3-5 you spent on bits n bobs wondering how the final sum is so high.

I know what you’re thinking… You can do it cheaper. I just didn’t try hard enough to get these costs down. But believe me, I did.

I spent way more time than was worthwhile researching costs - these prices include VAT & they include shipping -  I wanted the most accurate picture of the hard cash I would actually have to spend up front… And the oddly expensive ones like the postcards cost so much because I effectively paid a premium to have multiple designs. My logic was to try lots of different things, learn as much as possible, but have few in quantity of each design. That way, the flops hurt less. You pay more per item for that privilege, but what’s the use in having 100 of something that won’t sell? I’d rather learn from x10 of something even if I’m making half the profit “per item”. 

That’s a mistake a think so many businesses make - don’t think of profit per item, think of it in profit on entire expenses. I made a huge loss, just like I expected. :) My 100 postcards for example costing £50 makes them 50p each, and selling at £1.50 means £1 profit per postcard. That’s £100 profit! Except I only sold 10 - that means a £35 loss for the time being. It’s not a profit until you recoup the whole cost. And I thought of the whole cost as that £550 sum from the get go. Only once I cover all accumulated costs am I making a profit.

But most of these costs are reusable… I could go to another con tomorrow and only pay an additional £150 or so for the table, travel, etc. and have enough stock and a decent display. And that’s my intention - don’t give up, do a few, then evaluate. THEN give up. :)

So realistically, you need to be willing to waste £800+ to find out if this game is for you. That’s a big chunk of money not to be sniffed at and you should be aware of that before you jump in.

The Products

What should I take? Who should I order it from?? How much stock do I need???

These are unanswerable questions because they are highly personal. I see soooo many “where should I get prints from??” with people expecting an easy answer. There isn’t one. But I can try and explain why there isn’t one. I think a lot of newbies assume creators don’t want to share their suppliers because they’re being protective or don’t want the competition - nonono, it’s that the answer is different for everyone. An established, popular and successful artist in the alley is likely ordering huge bulk orders from a supplier that has a minimum order of hundreds or thousands. What good is that information to us newbies? It’s useless.

Prints 

In the end, I took 7 print designs…. All fanart, with 4 of the designs being Dragon Ball, 2 of the designs Sonic the Hedgehog and one of GLaDOS from Portal 2. Two of the designs were on A3 and the rest on A4.

I ordered A4 and A3 prints from different suppliers, as they were cheaper this way, EVEN with the postage factored in - which is absolutely ridiculous I know, but you begin to see why “x company is best for prints!” is a useless piece of advice. But sit tight, cuz it gets way worse.

I ordered as few as possible, but a couple of websites had the same price for 5 as the other did for 10, etc. so I went with the one that offered more for the same, obviously. I had x6 (including the display print) of each A4 print and x10 of each A3 - not because I thought they would sell twice as much, just because that’s the least I could get for the cheapest price! And to make matters even more complex - I made those orders based on coupons I had found and you often can’t see the total inc postage until you’ve got everything in your basket and entered your address and email. I looked at maybe 20 suppliers. Imagine how long that took, just for prints. And if I did the same thing tomorrow, it wouldn’t be the same suppliers who were cheaper - coupons and offers change the game, quantity required changes the game. Getting 30 A4 prints might be cheaper on one site, but it might be better to get them from another if you’re after 40, and it definitely will be if you’re wanting them to be all the same - then you can probably get 100 for less than I paid. Nightmare. And you find yourself going “but I can get 100 of the same print for £17 - maybe it’s worth the investment…” Maybe? Who knows! Probably not though.

I don’t think I’d bother with ordering A3 again anytime soon - the main reason is that A3 cellophane bags and carrier bags big enough for such a large print are quite a considerable added expense… And a lot of potential buyers commented how they loved a print but just don’t have the wall space. I also couldn’t find a supplier that would offer to print less than 10 A3 prints in one design. One buyer commented that they would get one of my other prints if it was larger - but would they? I know from experience selling online that people often say “oh man I’d so get a ____ if you did one!” and you do and you even link it to them and then silence. Don’t take what potential customers say too seriously, unless you’ve got a decent number of them telling you the same thing. But for me, 3 people telling me that on top of my other reasons for disliking A3 is enough to go, ok… Forget A3.

Perhaps my best piece of advice is to sign up to every supplier's newsletter. I get emailed deals almost daily now and if you’ve got the time to play with, it’s worth getting your stuff ready for print and just sitting and waiting for that coupon to drop. 15-20% off can make a huge difference to your margins. I purposefully waited until January to place my orders, expecting a post Christmas assortment of deals, and I was right. Bare in mind that many suppliers can take a while to get stuff to you and it might not be right - so don’t cut it too late to order things. I ordered everything just under two months ahead of the con and had plenty of time to then play with and practise setting up how I was going to display things.

So, how did the prints do? I sold out of the Sonic and Shadow print - including the display, which I sold at a marked down rate. I sold 2 of each A3 print - Great Ape Vegeta vs Goku and GLaDOS… 1 of Majin Vegeta, 2 of Fleetway Super Sonic. None of Gogeta or Shenron.

So, Dragon Ball wasn’t so hot, Sonic absolutely was. Is that a long term trend, or just this con? Hell if I know.

I didn’t have a portfolio book with my prints in on the table - I thought that was a waste of space if I can fit them all up on my display - but with hindsight, you get two types of people... Those who aren’t interested in artist alley stalls and pass through at a distance and a print up high MIGHT catch their eye and bring them over. But the vast majority of people you’ll sell to have their eyes down at the tables as they pass. This was the most important thing I learnt - I’d read so much about how important it is to use “vertical” space and tried to get as much off the table as possible, but by day 2 I was spreading more out on the table until every inch of it was covered. I often had to tell people about my prints and they would look up having not noticed them! I had read that people recommend having a portfolio book for people to thumb through - but I hadn’t really understood the benefit of that. Having people touch and interact with stuff on the table is such a valuable interaction that sparks natural conversations. It’s really important to have physical stuff ON the table, perhaps more so than getting a fancy vertical setup. If you’re strapped for cash - ditch the idea of grid cubes or similar completely. Just lay stuff out.

Postcards

When my postcards arrived I immediately realised I’d made a stupid mistake. I was obsessed with getting the display vertical and having lots of different designs. Having so many different postcards to display was a nightmare that I think impacted the whole setup. The wall they created took light away from one side of the display, they were really quite oppressive! - and I knew this before I even went to the show, but I didn’t know how else to display them. I don’t think I would order postcards again, they barely sold… But the 90 I have leftover will be displayed in a photo album on the table next time for sure. Seems so obvious now! They were a HUGE waste of money - they’re expensive for what they are to get made and the retail price of them is abysmal. But, there were a couple of times when people who didn’t have the money for a big print maybe wouldn’t have bought anything, but I had something cheap and cheerful to offer, which was nice. The other cool thing about them is you can have your website on the back and it doesn’t seem out of place or weird.

The main problem with finding a postcard provider was I couldn’t find anywhere that would do small print runs to allow me to order several designs, so I ended up going with the one company I knew who’d do that - Moo. But man are they expensive - I could have got 500 postcards of one design for less than half what I paid for 100 of 25 diff designs - but again, having the variety mattered to me.

Postcards are a pain and not worth it, which explains why I so rarely see them for sale. Lesson learned!

If you have a decent inkjet printer, postcards are super easy to make and I used to do this before I lost patience with inkjet home printers and switched to laser. Just get thick photo paper, already the correct size!

Stickers

I had a mix of kiss-cut and die-cut stickers that by day two I was spreading out on the table and absolutely getting more sales as a direct result… They still didn’t do exceptionally well, but I don’t regret having them. They’re a solid low-retail-price staple of the artist alley table. Pieces of art with a purpose, especially in the age of reusable water bottles. A couple of fellow artists noted that my stickers were very cheap priced at £1.50 and I kind of agree. I think next time they will be £2 and this won’t negatively affect sales. There’s a common fallacy that making something cheaper will increase sales - the likelihood is that it won’t, and when you think how many more sales you have to make to gain the same profit, you realise this is the case. Just that small difference of 50p would mean you have to sell 25% less stickers to make the same amount of money. Isn’t that insane? When you think of it this way, pricing your items right really matters.

I also had sticker sheets - the Baa (from Dragon Ball) ones I only sold one of, to a child who I’m not sure even knew what they were from, but the Sonic sheet did pretty well! I didn’t see many other artists rocking Sonic stuff - or even much Sonic stuff on the wider show floor - which is surprising given the recent film release. I guess I just tapped into a niche, but it’s hard to tell.

Several suppliers of stickers offer multiple designs as standard, or a small surcharge for having multiple designs. Shop around. Stickers are overpriced from many suppliers. The popular choice of Stickermule often run deals where you can get 50 for £19, but even this deal price is quite expensive for x50 of the same sticker. They are by far the best quality stickers, to be fair to them… But you don’t need x50 of one sticker for the purpose of artist alley. I’ve jumped on Stickermule promos in the past where they charge £1 for 10 stickers. That’s a great opportunity to try out design you’re really not sure about. I can’t stress enough how important newsletter signup to suppliers is!

Honestly, Zap Creatives are the only company I’ve used that I would recommend without a second thought. Their customer service is exceptional, their postal packaging is not only environmentally friendly but also adequate (I had a lot of issues with other suppliers packaging and items arriving to me damaged! Another reason you need to order far in advance.) and their prices are transparent and extremely good value. They have free postage (globally, I believe!), which makes it so easy to see how much you’ll be spending at a glance. They have detailed “how to” pages for setting up your files. They’re a dream come true. Sign up to their newsletter, follow them on socials, give them your money - they deserve it. Not sponsored, just genuinely impressed.

Comic

Back at Uni a friend and I made a little comic, and I got some more copies made and took it along because, why not… It is COMIC con after all, and this convention actually calls the artist alley “small press”. It sold pretty well for an independent original to a wide variety of people, young and old. It made me really happy to see an original work sell! You’d be surprised how cheap getting a book printed can be - but be willing for the pages to be slightly misaligned and the paper quality eh. But if you just want a cheap comic printed or a zine, it is very doable in small runs even as low as 10. Remember that stuff doesn’t need to be perfect. Don’t stress over imperfections. I wouldn’t recommend the supplier I used because their delivery was an abysmal royal shit-show, but their customer service made up for it and then their re-delivery was only a slightly less abysmal royal shit-show on the second attempt. So, I won’t mention them.

On that note - if a supplier isn’t good enough, get in touch with their customer services and be nice but tell them it’s not good enough. Give them a chance to fix things.

Traditional Art Originals

I took a lot of traditional media original artworks with me, mostly because I had them already. I sold one low value original.

This was a little heartbreaking because the sale of just one high value original would have pushed the worthwhileness a long way - but it is a lot of money to expect people to spend and is a luck of the draw situation, for sure.

However, the larger ones definitely attracted attention to my stall and created conversation - so I’d say if you have larger originals or small low value quick drawings, they’re worth bringing, but I wouldn’t make any for the intent of selling in the future.

I don’t think a single person thumbed through my plate rack of originals. It was a poor display idea. Don’t recommend it at all. But I can’t think of a better idea other than individual easel displays which take up valuable table space better used for spreading out other items flat.

How could I have done better?

I think having more variety of franchises in my prints was the only HUGE mistake that I kinda knew before I arrived might be an issue. The reason I didn’t was I was worried about space and this could have been avoided had I just listened to the advice I read and had a portfolio out - I even have an A4 portfolio book! Stupid. I’m stupid.

Would I have done enough better to make a profit? No way haha.

How did other people seem to be doing?

It didn’t seem like anyone was doing particularly well… But without knowing peoples numbers, it’s hard to say. And I doubt many people keep the obsessive books I do.

I am pretty sure a lot of convention artists don’t realise the amount they are spending vs the amount they aren’t making… But I could be wrong. There’s a lot of talk of “making table” which I did make back, but I came nowhere close to making back all associated costs. I think for it to be legitimately financially “worthwhile”, you’d have to take about £2k over a weekend - to account for the time and all expenses and paying yourself a decent wage. And if your prints are £10 each, that’s more than 10 prints sold an hour. No one was anywhere near this busy. No way.

A few artists told me this isn’t the most amazing show in the first place and they’ve done worse than they did at this same show last year, even if it seemed physically busier at times this year. A lot of this game is luck of the draw - who’s turning up, how much do they have to spend, what's the weather doing, etc. etc…

Do I need a card reader?

My sales were about 50/50 cash and card… But I ran out of exact change at one point, so being able to take card payments saved the sale. I have a Sum Up reader as it was the cheapest to buy up front and I had no issues with it the whole weekend. At £20 it was a bargain. I think I would rather have that than the cube display grid, for example.

Do you have any cost shaving tips?

Oh hell yeah!

First up - like I said before - sign up to every single potential supplier newsletter. Some of them send out coupons almost weekly.

I bought very little in the way of display equipment and salvaged the rest...

I borrowed some plate stands from my nan, I took empty cardboard displays from ASDA and Sainsbury's (I’d try Walmart or Target in the USA). These were great because they fold down flat for transporting, are light and FREE! Keep your eyes peeled when you’re out shopping for ones which might be the right size for your products. Often times you can transfer the one or two items left in them to another box in the store, or they’re simply empty. I found ASDA best for having completely unbranded boxes. I also made some stands for my small originals from thick card rather than by expensive display racks that are heavy to transport and cost a bomb.

Pick local shows if you can and research thoroughly your transport options and the cost. Parking, trains, hotel costs and eating out can be extortionate additions to your overall expense that are easily forgotten.

Make sure you can carry your setup and don’t need to spend additional money on an Uber or something to help you move shit around!

Use what you have. Don’t buy storage boxes and suitcases and trolleys if you don’t have to. Sure, they might make your life slightly easier, but maybe wait and see how your first few cons go.

Any other tips or things you wish you’d known?

One thing that was kinda stressing me out was leaving stock overnight, but I realised there’s a whole show floor of high value figurines down there...

Leaving the stall unattended isn’t a big deal, either. Obviously take your money with you, but your neighbors can let potential customers know you’ve popped to the loo and I saw several “Back Soon!” signs throughout the day. I took a friend mostly as company, but I would confidently do a con alone having seen how much of a non-issue this is. Having a friend is great for chatting and having a chance to have a look around the show and chat to other artists, though!

I’m not sure carrier bags are necessary. They’re a pretty substantial extra expense you can skip.

Check all your stock as soon as it arrives in the mail. I had an order of cello bags for A4 prints where about 50% of the pack were unusable as the bottom seal with just... open.

Oh! And the “Sundays are always quieter” rhetoric? My Sunday was twice as good as Saturday, despite being quieter on the show floor.

Overall...

I really enjoyed myself. I loved everything. Chatting to customers, chatting to artists, seeing what people were selling, people watching, eating junk, setting up, tearing down and having a friend to chat with and chill the whole time. I gained a pretty significant Twitter follower boost over the weekend and gave away approximately 150-200 business cards as well as meeting some awesome new friends.

I’m not sure if I will be back for the same show next year - we’ll see. I’d like to try a bunch of different shows with different audiences. Many overlap in terms of being around the same time of year. And all the while I’m carrying limited stock to see what works and what doesn’t, I’m reluctant to book two close together.

I’m lucky enough to live in London - so I have access to several big conventions throughout the year on my doorstep.

I have a table at Hyper Japan in July. A very different con to this one with a table almost half as big. So I suspect most of what I’ve learnt won’t even apply! But that’s kind of exciting. My logical brain tells me not to make more stuff, but I think I’ve got the con bug now and just wanna make more profits!

I hope this has been slightly useful to anyone toying with the idea of doing a convention. I recommend checking out @howtobeaconartist​ here on Tumblr as well as Ben Krefta’s incredibly detailed experiences of being a UK convention artist.

Another thing I found helpful was to watch youtube video walk-arounds from previous years at the same show - see what people are selling, their set-ups, get a feel for space, see if you see the same people returning year after year. Here’s a video from the show I’ve just done! Artist alley starts at around 7:50.

#artist alley #my art #saiyanhajime art #saiyanhajime #conventions #comic con #lccspring #london comic con

[8-evil-annoying-catboys]

if the government was competent and the people in charge actually gave a fuck about the impending doom climate change represents, here are some things that could be done:

universal basic income, varied by region to represent 150% or more of the local cost of living, to make up for the lost jobs represented by the following points (although this would be paid to EVERYONE, jobless or not), aka to keep poor people from drowning, paid for by reduction of military spending and a tax on the extremely wealthy who can definitely afford to be cut down a peg (and would still receive the income anyway, both to keep the spirit of fairness and to avoid them throwing a hissy fit over it). also, regulations such as rent control and price caps on necessities such as food/toiletries/etc. to lower the total cost of living, therefore saving the government some money by reducing how much this income would have to be. this would also mean that these industries wouldn’t need to be subsidised since the workers would already be receiving the money needed to live, which would in turn save the government the money they otherwise have to spend on subsidising, for example, farmers, because there would be no reason that selling crops at a low price would hurt them if they were already receiving more money than they needed to support themselves from the government anyway.

complete end to the fossil fuel industry and a total overhaul of the automobile industry. recall of all cars that use gas, but with a replacement program wherein people who need cars still can get a fully electric car and/or have their car modified to become a fully electric car. this accompanied by an investment into sustainable (aka, not fossil fuel powered) public transportation to reduce the demand for personal cars in the first place, and an option for those who don’t need their car that much or won’t after the new transit system is implemented, can be paid back the price of their car when they bought it, in full. optionally, car loan forgiveness can accompany this, but with a replacement car or a full repayment of the car’s price at the time of purchase, that may be unnecessary.

complete ban on plastic fishing gear, to start, since that makes up the majority of plastic pollution in the ocean. ban the rest of plastics in increments and begin a mission to clean up the existing plastic pollution, which would in turn create more jobs because you’d need to pay people to do this. another necessary action that would create more jobs would be to find a reliable replacement for plastic straws, since many of the current alternatives don’t work for disabled people who need to use straws. any other disposable plastic products that are also a necessity for disabled people or other marginalised groups would also require a replacement in this way. in the meantime, before the complete ban of plastics, a ban on production of new plastics, requiring that all materials that are still allowed to be made of plastic must be made of 100% RECYCLED plastic ONLY.

complete overhaul of the meat industry. ban on factory farming. regulations requiring produce be sold only within a certain distance of where it was raised. encouragement for the public to start gardening and raising their own food as much as possible, including creating community gardens on unused plots of land in urban areas where many residents may not have land necessary to start a garden on their own property, and creating food forests.

scrap or overhaul of the national park system. by this, i don’t mean allow companies to build over that land, of course don’t fucking do that, but allowing indigenous americans to practice hunting and cultivating the way they’ve done it for thousands of years, because THEY KNOW WHICH NATIVE PLANTS NEED HUMAN INTERACTION TO SURVIVE.

along that line, extreme repopulation system for endangered animals and animals whose numbers have been significantly reduced as a result of colonisation (see: bison) to restore indigenous ecosystems to their precolonial balance, or at least to get as close to that balance as possible.

some sort of program to eradicate homelessness and rid the land of extraneous housing (ie, nobody is living there nor will anyone ever live there even after all homeless people are housed, because there are more empty houses in the us than homeless people) thereby increasing the amount of land available for native plants and animals’ habitats. this would probably look something like, if you own multiple houses you have to pick one or maybe two to keep (MAYBE a summer home is ok, i’m honestly not sure if that would work for this though), the rest the government pays you the price you paid for it and takes it either to house the homeless or to clear the land and allow the ecosystem to take over that property again. the government would not start clearing land in this way until after the entire population is housed to avoid any miscalculation in regards to how much housing is necessary and how much should be given back to the earth.

confiscate prívate jets (with full repayment of the cost, optionally, since anyone who can afford a fucking private jet has too much money already) and replace airlines with trains and boats, at least until we find a way to fuel planes in a way that doesn’t contribute to the greenhouse effect. flights booked prior to this change may be fulfilled, or they may be replaced with a train and/or boat, with the consumer having the option of changing departure time so that the arrival time is the same as it would have been on the flight, or leaving the departure time the same with the knowledge that the arrival time will likely be later. this would also require construction of cross country trains, maybe bullet trains but maybe not, with extreme consideration of where the tracks run to avoid disturbing important ecosystems or native sacred areas. the construction would also create a lot of temporary jobs, again making up for the gap after the loss of jobs in industries that harm the environment.

in general, complete removal or reconstruction of any industry that, as it currently is, harms the global or local environment. in the case of reconstruction, the end goal would be for the industry to be 100% sustainable, and the speed at which this happens would depend on how detrimental the industry is to the ecosystem currently and how well green tech has addressed the issue already, with focus most pointed to industries that are most harmful and that already have a fully developed sustainable alternative. grants and subsidies to efforts to expand green tech to address industries where a fully sustainable and reliable alternative doesn’t exist yet.

full-scale efforts to reverse previously made damages to the environment (cleaning up pollution, planting trees and native plants that have been seriously reduced in their natural habitat, etc.) in any ways possible, and grants/subsidies to scientific endeavours to find ways to reverse damages that we currently don’t know how to reverse or if it’s even possible, creating more jobs in STEM and more jobs that needn’t require a college education at the same time that we put in the effort to heal our planet.

programs to shift towards green energy only; for example, providing low-cost or free solar panels to homeowners

and these are just a few ideas. i could probably think of way more, and i’m just one person. can we be creative and put the needs of our people and our planet before the desires of corporations, please? jesus fucking christ.

[dates101]

The Stargazing Date

Summer is only here for a couple of months, which means you need to take advantage of these warm summer nights. What better way to do so then cuddling up under the stars, Nicholas Sparks style? 

The Date

Like most of my date ideas, preparation is key. First is location, i.e where you'll be looking up at the stars. The most common place would be a public park, although somewhere more rural would work out better (the less light pollution, the more visible the stars). If your city supports Earth Day, I would highly recommend doing it then, as the city participates in a brief no electricity time period. Well at least that's what my city does, do you even have Earth Day in your city? I’m going to pretend the answer to that is yes and you totally know what I’m talking about. You should also pick a night that wont be very cloudy. Planning everything just to have it ruined by a cloudy night would literally be the worst thing ever. Ok so we have the location, next is the necessities. Are you going to watch in your car? In the bed of a truck? On a blanket in the grass? Majority of you will probably pick the latter, so we’ll go with that. Lastly you should bring a couple of snacks, some extra blankets just in case, a pillow or two, a portable speaker with romantic music, maybe some drinks, and most importantly bug spray! Yes, I said bug spray. It may kill the ambiance for a brief second but most people forget that bugs are a thing during the summer, especially at night. And I don't want my lovely readers being eaten alive by mosquitos. Ok so you're laying under the stars..... what now?

Star Light Star Bright

You're going to get really romantic for this one, yay! Play that music, get under those covers and cuddle up with your significant other. Talk about life, talk about your day, the future, something funny that happened, your deepest darkest secrets, make out, anything you want really. It’s just the two of you and the stars. In this exact moment, nobody else exists. But what about the stars themselves? Well, you could bring a telescope, and I think that would be really cool! However, they are expensive ranging from $50-$150 so only get one if you plan on using it more than once. Thats a lot of money to spend on one date. An alternative would be downloading a stargazing app on your phone. If your location data is turned on, the app will actually pin point the constellations for you! So you can take turns locating them, which is actually a lot of fun.

Wrap Up

And that's the Stargazing Date. Realistically this date could be completely free, and just requires a little bit of cash to make it really nice (or a lot of cash if you so wish). And for you Nicholas Sparks fans out there, yes I’m going to answer the elephant in the room (I’m looking at you “A Walk To Remember”). Naming a Star costs around $50-$100 depending on what registry you go to. If you decide to do this, you've hit romantic overload, and will definitely make a memorable moment you two will share forever. But with that being said, I only recommend this to couples who have been seeing each other for a VARY long time. Nothing says “moving too fast” like naming a star for someone on the first few dates. Also, unfortunately the star isn't officially named the name you pick. In fact, the same star could have multiple “unique” names from different agencies. It’s sad to hear, but I wanted to let you know before you dropped a lot of money. At least you still get a really cool looking certificate!

Remember, make every date a story.

-Dates101 

#date ideas #date idea #date help #dating #help #ideas #couple date #stargazing date #nicholas sparks #dates101 #couples #stargazing

[rjzimmerman]

We now have two billionaires running for president, each of whom have donated or invested millions of dollars toward actions to address climate change. Bloomberg and Steyer. Some progressive Dems are complaining, making assertions such as: instead of spending money on political ads (i.e., Bloomberg’s announced plan to spend $30 million of his own money to kick off his campaign), spend the money on campaigning for state legislators. OK, good point, but I’m pleased that two very rich men, also philanthropists, are in this race and will keep the climate (and environmental issues) smack in front of the electorate and the media. I can overlook their flaws, because we’re living under the alternative, and that ain’t pretty.

Excerpt from this Grist story:

Bloomberg, a former Republican worth a reported $58 billion, has long made bringing down emissions a centerpiece of his philanthropic work. With his help, the Sierra Club launched the Beyond Coal campaign — an initiative that supports grassroots efforts to shutter coal-powered plants across the United States. Sierra Club estimates the initiative is responsible for shuttering 40 percent of the nearly 300 coal plants that have closed so far. (However, some of those plants switched to natural gas, a less emissions-intensive fossil fuel, which Bloomberg endorsedas a “bridge fuel” as recently at 2016.) Bloomberg also pledged half a billion dollars to help launch Beyond Carbon, another Sierra Club effort that aims to shut down the nation’s remaining coal plants.

Bloomberg has also donated $5 million to the League of Conservation Voters, a group that keeps tabs on how members of Congress vote on climate and environment bills and lobbies for climate action. He’s donated more than $150 million to green groups in total. And he was some of the brains and most of the muscle behind America’s Pledge, a group that aims to fill the void Trump left when he exited the Paris climate agreement by galvanizing regional and local support for green policies.

To borrow a phrase from Sanders, it’s possible that Bloomberg will be able to walk and chew bubble gum at the same time. He said he plans to spend $100 million in swing states pushing anti-Trump ads. And he could spend up to $20 million more on voter registration in those states. In other words, it’s not like the Bloomberg money tap is going to run dry now that he’s running for president.

Not to mention that the primary contest has been missing a climate hawk since Washington Governor Jay Inslee dropped out. The field could benefit from a new, climate-oriented addition, and Bloomberg has signaled an interest in filling that role. On his campaign website, Bloomberg cites “Fighting climate change” as one of his chief priorities. In the section on addressing the crisis, Bloomberg touts his record on climate and promises to “ensure the federal government leads an ambitious agenda to accelerate the U.S. toward a clean energy economy.”

#Michael Bloomberg #2020 presidential campaign #climate crisis

[chrysaliseuro2019]

Lost and Found

The checkout time at our Caorle hotel was not user friendly for us being 9.30. Earliest we have experienced on this trip possibly ever. Breakfast went till 10.00 am so we agreed with the landlady that we could effectively check out and then have breakfast after that which gave us an extra half hour or so's sleep. We duly did that and they then kindly also said we could leave our car in their free parking area for a couple of hours while we had a look around town. I was intent on getting a haircut and so Liz and I headed in different directions. Last I saw of her she was disappearing down through a sea of umbrellas to the beach which was pretty wide. Both Liz and I during our stroll around town visited the cathedral of St Stephen which was in the simpler style but very attractive. It also had the "striking" bell tower Liz has discussed complete with lean which provided quite a beacon around town. I drew a blank frustratingly on the haircut. With pre bookings or extensive waits. Finally found the sort of barber I was looking for (no shampoo required, just sit in the chair and I cut your hair) around 11.30 but was closing at 12.00 and already a guy in the chair so he basically told me to get nicked. Time to leave town. Liz had done a bit of research and the next stop for us was further South to Montecosaro near Ancona. Slightly inland. A four and a quarter hour drive via toll road so quite a distance and five for us with stops (and slow driver). The drive as ever picturesque. You could be forgiven for thinking you are in Tuscany in this part of the world. Especially closer to Montecosaro. Hills and very arable land with vines, olives, peaches and other crops which tend to make the land look very verdant. Also dotted with quite attractive farmhouses. We had one slightly daunting period during the drive. Sky got very dark with the odd lightning flash and eventually the heavens opened in biblical proportions. Even the nutcase 150 km drivers on the freeway slowed down to just below 100. Most of us were crawling along at around 40kms/hour with wipers on double fast and still failing the task. Some drivers had pulled over under bridges. Finally it just felt too uncomfortable. A camper van with emergency lights flashing had pulled over on the emergency lane and we pulled up in front of him and stopped to let the storm pass. 5/10 mins later it eased enough to feel OK to drive and we headed off. Had one more stint of heavy rain but not quite as bad so kept going. It had been pretty scary though and not at all the weather we were expecting in this part of the world at this time of year. En route Liz had booked the La Luma hotel in Montecosaro. We got to town in the late afternoon and though it was not large it was a warren of narrow stone streets and google maps struggled a bit to get us to our destination. We got close and I parked up while Liz went off and investigated. The guy at the hotel was friendly and talkative. In fact he wanted to run through a description of the whole town though Liz was trying to get back to the car (which was just around the corner to guide me in). After perhaps 20 mins she got back advised all was good and we parked up for free around the back and were in. The guy at the hotel explained the various restaurant offerings to us. Apparently there were four in town. Two informal pizza joints, an Osteria (restaurant which does most types of local food) and a vegetarian restaurant which he obviously favoured. We showered and headed out in search of the restaurants and a drink after a lengthy journey. Liz and I split up. The town really was tranquil and lovely with the usual stone streets and buildings and perched on the top of a hill. They obviously performed concerts there as we could see chairs set up outside a building though nothing this night it seemed. Weather was overcast and looking like it wanted to rain though warm enough. Liz found a very informal pizza bar at the top of town. I found the local bar (funny that) in the city square. I also asked various people for directions to the Osteria. Not much English spoken in this town so hand signals had to suffice (though they proved ambiguous) Liz and I met up and she followed one route and me another in search of the elusive Osteria. Hard to believe that in this tiny mousetrap of town we could not find it easily. Anyway, Liz had success though at first stumbled on a family sitting at some decrepit wooden tables outside a house. She thought that was the sum of the restaurant a few dodgy old tables and was losing heart. Turned out these were the staff of the restaurant probably having an early dinner. The restaurant was totally inside and well kitted out. I joined her and we booked a table for dinner at 8.15. Now 7.15 and not a soul in there so booking seemed unnecessary. Retreated to the bar for a drink and were soon driven inside as the wind got up and things got cooler. Good atmosphere as progressively more people came in to avoid the weather and the place was lively. Headed for dinner and were soon glad that we had booked the place as after a while it was full and also pretty atmospheric. Old style restaurant in terms of decor but young and vibrant owner. Not that much English spoken though the waitress had a handy smattering and we ordered gnocchi (Liz) and meatballs (me). Both excellent and way better than your average. Meatballs indescribable really. They were more a pasta stuffed with meat. We had a very enjoyable evening. We were pretty pleased all round. Town was quiet and lovely and a change of pace from some of the places we had been visiting. Hotel room was spacious with a good bathroom and with probably the best view we had had all holiday. Again a very Tuscan look over the valley below. That night a pretty heavy duty thunderstorm took place in the middle of the night. We were very pleased that we were not on that ferry as that would have been the night we caught it. The ferry would have docked at Ancona so we were about even-steven on how far down Italy we had progressed vs catching the ferry but we were very happy with our choice. The thought of being on the boat in that sort of weather gave us the heeby jeebies. Next morning a good breakfast though I did have omelette which was a tad bland. Just eggs no additives. Also the biggest pepper grinder I've ever used. We seemed to be the only English speakers so a bit of sign language required. We packed up and to avoid lugging bags down to the back entrance of the hotel where the car was parked I headed off to drive it around to the front entrance , where Liz was waiting, which was v close to our room. Well, 15 mins of driving around and two circumnavigations of town later I just could not locate the narrow little street which led from the top of town past our hotel door. Town was a small maze of one way streets, resident only streets and cul de sacs, and I was getting to know them all. At one point I got stuck behind one of those three wheeler market motorised trike things. Grandad was driving at around 10 kms an hour and I couldn't get past. After about 10 mins I received a call from Liz who was waiting with the bags for my arrival. This was not of the Mills and Boon "where are you my darling" variety. More Tarantino with expletives not deleted. I assured her that all would be well in my calmest voice but with no certainty that I would ever find her again. I was destined to spend the rest of my days driving around Montecosaro. I finally gave up searching for the elusive street and parked up where I had the day before with the hotel about 40 metres away. Went to find Liz and then backed up into the street so now right outside the hotel. Phew! I was glad that was over and Liz gave me a combo of the exasperated (you had one job and stuffed it up) and thank goodness you've finally arrived look. I averted my eyes. As it turned out it was not quite all over. We stacked the suitcases in the boot with our backpacks. A job that we are now practised at but which, with the small boot of the Fiat Punto hatchback, requires a certain technique to ensure that the boot will shut given its pretty full. Just when I thought my stocks could not get any lower a problem arose. We sat in the car ready to drive off and I could not find the keys. Where the flip were they. I knew I had them 1 minute earlier. The boot of the Punto has a dent in it from a misdemeanour by a previous renter. This meant that it could only be opened with the auto unlock for the boot on the keyring and I had just opened it a couple of mins earlier, though it was now shut. So where had it gone? We feared that I had locked it in the boot when packing the backpacks in. The problem now was the boot would not open without the key and the car obviously would not start without it either. We were also blocking the narrow laneway in front of the hotel and any residents coming down would want us to move. This was not really possible as the car now faced an incline so could not even be rolled out of the way. Ahhh! Liz kept a stoic and non judgemental demeanour in the face of this new scenario. I was sensing recriminations. It was very hard to get to the boot, even from inside the car as there was a cover to the hatchback area and even when we removed that, the cases were in the way so if the key was in the boot it would take a herculean effort to lift the cases and find it. We scrabbled around for several minutes with our hands squeezed into narrow gaps in the boot between the cases searching for the keys when I looked down and there they were beside the driver's seat inside the car. They had fallen out of my pocket. Relief all round. Of course the combo of the lost street out and the lost and found keys had cost us about half an hour. Thankfully no residents came down the street in their cars while we went through this farce. Still, alls well that ends well. We chortled. I was forgiven. We headed off for Vieste.

[mybudgetlife]

I Have Failed You

Mon.2.11.19

So do you remember I posted about Kmart closing & me and my son going to Dave&Busters that same day, and how I only wanted to spend $20 at Dave&Busters? Well... I spent alot more than I wanted 😭 . Apart from the $67 I spent at Kmart, I spent....i don't even wanna talk about it 😭😭😭... ok, I spent $25 on a gaming card to play arcades, I also spent about another $25 on food. So that was just at Dave&Busters.

After that I needed to pump gas or else I wouldn't had made it home. I pumped like $30. So just on Saturday I spent close to $150!!! 😭😭😭

I had forgotten that this week my phone bill was due and the Walmart credit card ($30 each). And on top of that, they gave me an allowance of $100 to buy new work boots cuz my old ones were super beat up, been wearing them for a year! So this time I bought 4 pairs of boots but it ended up being a total of $135 so I had to put $35 of my own money.

Sadly I did have to transfer $50 from Savings to Checkings. I'm really disappointed in myself. I should've done a bunch different. Times like these make me feel so guilty, for instance;(this is what I tell myself) You spent $50 on food and games, when was the last time you took mom out to eat? 😭 Truth is I don't remember when the last time I took my mom out... Times like these I feel so selfish. Anyway.

I gotta sleep now. But before I go id like to ask you: if I linked a youtube channel to this blog, would you guys watch it? I was thinking of doing that and also changing the name to this blog to something a little more personal. Besides sharing my financial struggles I'd like to share a little more of my personal life. Idk I just feel I gotta tell something to someone that I don't know... ok thanks good night.

Checkings:$40.12

Savings:$977.04

#budget #budgetplanner #tight budget #low budget #my life #life #dollar bills #bills #pay my bills #finance blog #finance #personal #struggle #foolish spending

[lundsgaardlundsgaard78-blog]

Should I file a claim with auto insurance?

I drove my car into a column in a parking lot, denting and scratching the left side of the car. Repair estimate is about 1600. My insurance deductible is 500. Is it worth filling a claim? How much will my premiums go up if I file a claim? I have excellent record otherwise. I would recommend that you try this internet site where one can get quotes from different companies: http://insure-cheap.info Honest cost for my auto insurance? Got my car insurance bill. I'm over a household program with my mama and my cousin. We did it because we were instructed it would spend less. I am in my own late 20is, drive an older car(a '97), have never had a traffic admission or accident, and also have the essential insurance with a $500 deductible. Simply the fundamentals. It's $350 for six months. It went up from the last time I settled it. First, is the fact that a significant price? Next does the insurance go up if I did not obtain incident or a ticket?" Is comprehensive car insurance cheaper if you possess the vehicle? Is it than in the event you had financing out on it cheaper? Exactly why is this? Cheers Investing in a usedcar and buying a car insurance? Hi. Im going to research in tucson for the next 2 years being an international student. I do want to buy a vehicle, and I am buying place that might be proven to provide used vehicles at a good cost (I am not seeking something significantly more than 7-8000). It would also be great it those automobile could come with a guarantee. Would you recognize locations that are good for that? Additionally if you're able to advice me with auto insurance that could not be nasty. Thanks a lot!" Just how much will insurance cost for my artwork enterprise i am a subcontractor and that I haven't any uses just my self? The things they require is $ 1,000,000 per incidence and $ 1,000 $ 2,000,000 personal injury and,000 basic mixture. thanks" Can insurance resolve acar that someone hit? Somebody struck on my car and I did not obtain license plate. May my insurance correct my vehicle? The harm isn't so excellent, which is somewhat hit." How-to estimate auto insurance coverage premium reimbursement? My vehicle was offered by me one-week after restoring my motor insurance policy. I requested for the reimbursement and necessary to cancel my coverage. The first time I sent them my termination notice, they asked me to call-back after 2 weeks to ask for the check. But after 2 weeks, they questioned me to fund the additional 2 weeks, though I've evidences that I necessary to stop my coverage 2 weeks before and said they did not gotten my fax. Likewise once I restored my plan, I advised the agent that my vehicle will be sold by me within 14 days, therefore I was told by the agent I can simply pay 32% of the half year policy quality. But now when I requested for refund, he told me that since I just paid 32% of the total amount, they'll demand me more (53PERCENT more) and refund me not as. Is that this typical in this market or they simply try and take cash from me? Cheers." Health-insurance? Im 18 and live in southern california.Im not included in my parents medical health insurance or work(until im hurt on the job)...what can I do? Renters insurance in California? What does renters insurance cover? I am hiring a room from the pal but want my own insurance to cover personal injury without needing the homeowneris protection along with if I suddenly broken something for it to become covered. Is that this a part of renters insurance?" Exactly why is my insurance offer so major? I am UK homeowner. I obtained my drivers license a few months ago. It really is from Latvia, which can be in EU. Now when I seek out motor insurance, the cheapest one is 5,000 GBP. Should I change it to UK permit, can it reduce the value?" What are the approaches to make car insurance chaper once your 17? In april im likely to be 16 for assuring a teenager that has only transferred there check at 17 me or dad desire to pay the significant charges. What i would prefer to recognize is when there is something i could do when im 16 that would create the insurance cheaper, for instance obtaining a scooter and riding that therefore I have one years no-claims or obtaining driving instructions in an exclusive place where it is appropriate. Am i likely to must spend no matter what to the enormous insurance fees? Thanks to your support Daniel" May I buy bike insurance and cancel? I will be going away for faculty in somewhat over per month and I wanted to cover my motorcycle to I can experience it for the summer's remainder. Must I just let them know that, or get coverage with monthly payments preventing spending after the first month, if I just need insurance for just one month? Furthermore, if I just quit spending, can this ensure it is tougher to have coverage from their store in the foreseeable future?" A concern about insurance on the car? Okay i live in britain, and that I am 27yrs old, i drive and also have my own personal insurance that will be entirely comp, as i am over 26 I will drive any automobile thirdparty, my boyfriend is simply needs to figure out how to drive and since neither of his parents push, hes planning to have to get his or her own vehicle along with his own insurance on, which can be certainly going to be really substantial as hes a fresh driver, hes 20yrs old. we got told that if he set me on his insurance as a minute driver then it'd work out somewhat cheaper for him, but im wondering if that is true, when I can travel his car anyhow on my insurance, thus im not sure if its legal to be on his or if they can allow me to. any advice could be appreciated." Why are insurance charges rising even when its not your problem? I work-in states office of a major insurance carrier. And that I learned that if its a comp claim or although it is not your mistake, a possibility is nevertheless that your charges would increase. Why is that therefore?!?" "If i've had my license for 9 1/2 decades, howmuch would full coverage car insurance in California expense? Plus a good driving record & I am 29 years of age. Car-insurance for 17-year olds? I am in finding my own personal motor insurance separate interested but I have NO IDEA what direction to go or what I actually need. Bear in mind I'm a senior school that is 17-year old /college student month so I definitely can't spend more than $100/. Can you clarify auto insurance if you ask me and what's required and what is elective? I truly do need the automobile insurance that is lowest priced possible but I do not understand something about insurance." Why are owners typically needed to take auto insurance even though their cars aren't worth much? I wish to know when the car is not worth considerably, a driver should have auto insurance. You know such as an old automobile from long ago in the day?" Automobile examination in a different condition? I must continue the enrollment for my car. I recently moved to a new state (NC to California) but haven't changed my insurance or anything since I am under my parents coverage. May I consider the examination in colorado and do the restoration online? I guess I donot possess of doing the inspection, a selection but want to learn if I can perform it online or might I have to send the inspection?" Does motorcycle insurance price exactly like car insurance? I'm also interested in cycles although currently 18 years-old and looked for a vehicle. The bicycle would have been a 1979 Honda Twinstar 185. I simply wanted something to zip around in in the town. Would it not be less easily freeze there'sn't much to correct, contemplating? Or even more because I'm a teenager? I currently pay $150 being an extra driver on my father's auto insurance. I understand a lot are of elements to find out price but how much of the distinction is it typically?" Why is mandatory auto insurance to make sure other drivers can be reimbursed for my actions ok? how much car insurance will cost for brand new driver I'm 28yrs old?? Please help I simply need an estamate into purchasing a small-car a few weeks after ideally driving the united kingdom driving test looking. 1.4 engine measurement nothing to smart simply to get me from a-BI just have around 500 to get a-car, simply attempting to work out how much to put apart,attempted calling insurance companys but they claimed they wont estimate with-out whole licsense details... all i want can be an idea!!!thanks in advance" Just how much might the average cost for a guy at 20's era to have full coverage auto insurance? Simply how much would the common price to get a man in 20's era to have full-coverage auto insurance? Automobile Insurance.? Does anybody know if you have a temporary car insurance you may get, so you simply buy it when you're operating the automobile. Our auto insurance is $150/month for plpd(partial), it is the lowest priced there's, and my vehicle is price around $2000. I just travel my vehicle once a month to get a 70 mile round trip. I simply believe its a lot to be paying $150 for a 70 mile journey. A lot more than $2 a mile only for the insurance seems like a lot in my experience. There's buses where I dwell or no taxis, and I dont want anyone else to get me. I am not simply uninterested if somebody can provide information about the insurance to me. Plus a bike wont work. Thanks." Where's where to have car insurance? and the cheapest? Where's where to have auto insurance? Along with the cheapest? How much is not any fault insurance? I do want to obtain the insurance, How much is no fault insurance in Michigan" I would like cheap insurance not a discount strategy? I've to get a great plan that is cheap not really a discount program. Where could I get so what can I do or one??? I've a thing that truly has to be used care of quickly. What's the cheapest motor insurance and that is good for a teenager? Im needs to nearly generate already but I have to knowwhat insurance company has the most inexpensive motor insurance for teenagers?? Please allow me to learn and tell me just how much you buy r kids if not on your own btw my automobile is actually a 2004 volvo if that concerns. Should I file a claim with auto insurance? I drove my car into a column in a parking lot, denting and scratching the left side of the car. Repair estimate is about 1600. My insurance deductible is 500. Is it worth filling a claim? How much will my premiums go up if I file a claim? I have excellent record otherwise. I would recommend that you try this internet site where one can get quotes from different companies: http://insure-cheap.info Very first time car insurance? Recently, I passed my driving test and got a vehicle. It is a 1.0 litre peugeot 107 56 menu and that Iam 22. Wondering where the cheapest place to opt for motor insurance could be or the cheapest method to do-it? I have seen some individuals carry on their Mum's, but you should not do that as it's illegitimate to express they're the primary driver if you are (not sure how this might be proven). I have looked on cost comparison sites but they are however so expensive and I still feel I can get yourself a better offer. The best one has been from an unbiased insurer called Ingenie at 1300, so I understand if which makes sense I could get cheaper on sites that are not on cost comparison ones! The truth is there is so many was just wondering if anyone knew the cheapest??" "It superior to have a low deductible, but an increased coinsurance, although for medical insurance program?" I'm looking at a medical health insurance program using a quality of $76 monthly. Coinsurance is 30% after deductible. I have the 3 doctor visits for $30 co-payment then and pay 30% after deductible. Does this plan sound alright? One per year, I generally visit a doctor. Cheers!" Do I've to answer a quotation? Thus I acquired an insurance quote nowadays plus it says Result required by: Dec.4?" Just how much may my insurance increase after one accident if someone was backed into by me but rarely scratched their automobile? Simply how much may my insurance increase after one accident if i backed into someone but hardly scratched on their vehicle? Can not afford healthcare but create a lot of for medicaid? I am with healthcare is handled by our place so frustrated - it ought to be a simple right for all people, not a big-business. Anyhow, my boyfriend and that I are full-time students currently living off of figuratively speaking while we're really stressful software, and never working. We have no healthinsurance and our school doesn't possess a health clinic. My partner has been having severe gastrointestinal conditions that are becoming increasingly worse, he fears he may have bowel cancer or some awful disease and wants to get checked out. We investigated medicaid and found out he doesn't qualify w/c he has greater than 2k while in the bank (all loan money), but we require that money to pay rent and eat and pay tuition and publications. The least expensive medical insurance we are able to uncover is $150 a month and does not incorporate any extra screening (such as a colonoscopy, etc.) Consequently, what does your common middle american looking to get by and goto university becoming a greater individual do? Until he dies should we just wait? Really. Rapists and murderers in imprisonment are currently receiving better healthcare than your average family. This location sucks, I want to go on to Europe. Before he dies, any suggestions about exactly how we will get him free or inexpensive help?" "In case you get denied life insurance, what goes on?" In case you get declined lifeinsurance what goes on?" Must insurance providers be compelled? The proof, via memeorandum: national government approves no-cost delivery control, including morning after pill prolifers are terrified at the statement Monday the federal government has permitted a from the Institute of Medication (IOM) to guarantee total medical health insurance insurance for delivery control, like the so-called morning-after product, underneath the Inexpensive Care Act. The newest recommendations, which the Division of Health and Human Services (HHS) described traditional, will demand new health insurance programs to include womens preventive services including Food approved contraceptives, breast feeding help, and effectively-women sessions all without getting a copayment, co-insurance or even a deductible starting August 1, 2012. The Economical Care Act aids before they begin stop health problems, stated HHS Secretary Kathleen Sebelius in a statement. Infants are an issue now. Remember that babies were equated by Obama with the STD:" Where do i get medical insurance in tx. im 18? 18 year old man. Me dropped. Sad day:(. Haha so where would I find cheap good health insurance:) What's the likely price for your car insurance for this individual? Kept getting different amounts... Male 19 years. own a Acura cl 3.0 1999 simple travel to university about 4 kilometers(one way) three days a week clean document." "Auto insurance, change of occupation?" Hello All, I pay my car insurance completely annually. I am currently a Technologist - which is what I specified when applying. I'll be returning in October to full time schooling - so will be a full time student rather than technologist. I am comp. Insured for use. Do I've to tell them about my change in vocation and will this affect just how much I pay (though I've previously paid-for year as much as next April)? Any advice will be appreciated." Expensive Auto Insurance at age 19 wtf? I ordered a car for under 1500 along with the estimates i keep getting are currently freaking wth that was expensive, will there be a cheap insurance that you guys can suggest. I have a vw golf 2001" Auto-insurance settlement offer also low? We were in a accident in November, my 4 b/o kid and that I went to view a chiropractor and that I also seen several times to a physical therapist, (i actually still have pain to time in...display more" How can you get a motor insurance appraisal if you don't own a vehicle rather than have? I simply got my permit a couple of months ago and could get a work in an area that's hard to get to by public transport. I'd like to discover howmuch it would charge me (approximately) for motor insurance but I donot possess a vehicle (however) and most sites I Have observed consult me lots of car information. How do I get yourself a rough estimate for insurance, therefore I may find out whether or not it's actually probable for me personally to acquire a car. Cheers!" Simply how much is Automobile Insurance in France? Hi, im going to be going to france with my partner and kid to stay there for four years and so I will soon be investing in a vehicle to have around with, im thinking about a car but I wish to figure out a tad bit more of howmuch it can cost for insurance on autos over there, equally for vehicles and motorcycles, if its cheaper for bike I'll probably simply get one car for my partner and get a motorcycle for myself. Any data is going to be ahead, useful and thanks of time" Exactly why is my car insurance thus pricey? Can a person who understands the important points please clarify? I'm 19 I drive a classic 1997 Nissan I Have simply experienced one damage but which was over 3 years ago. Because I was 16, I have been operating. Our mom is currently currently making my insurance is paid by me . That is outrageous tome. why insurance is so expensive particularly when you have been a safe driver for decades, I don't understand. I'm as cash for nothing is just throwing away. Can someone explain why car insurance is not so cheap and why do you think mine is not indeed low?" Motor vehicle accident information for your own automobile insurance.? I was associated with a car crash. But, it wasn't my fault. A driver hit on me from back. I named his insurance provider to file a state. Do i have to call my insurance company, in what happened, simply to inform them? Is there a disadvantage on permitting them to know about accident? Thankyou" "With no insurance may I get plastic surgery? I'm 18 yrs old and my parents insurance covers me. If im paying in money do i have to understand their insurance data? Car insurance on eclipse? I had vehicle along with a pickup truck. ar insurance is all about $500 a year through plantation family were around the park policy consequently its a lot cheaper. I recently sold my vehicle (diesel) got tires of the bad gas milage (ford f250). With the expense of diesel going way up again it cost on bare-whole $150 thats whole b.s. Anyhow i been looking to get anything with great fuel milage that does not cost a lot to fill-up. I've seen vehicles possibly is 20 mph crashes totaled although I've been looking into vehicles and consumed carefully into account they progress milage. My next problem is just how much might motor insurance be over a eclipse. I would desire something which seems good basically did get a vehicle I really don't wish a pice of junk seeking old-lady auto. I had been looking at the mit. eclipse/index. Was curious motor insurance was easily stayed with farm household. I had been planning to call and get them but I really don't have the bodily auto nonetheless and so they would need to understand precisely what form of vehicle year etc it's to provide the actual quantity to me. I'm 22 years old with 5 years driving experience. Just one incident. (aged person was to airport in hurry for trip cop he did not feel it it had been required to stop so he struck me and leaped stop-sign and told me. 2 pick ups, 1 trailblazer have been held by me. Pickups, the fall under village category vehicles of advertising suv do not and so I believe it'd be more then what i spend now. I really donot want to switch insurance dread stores are heard by both me . Farm family settled me everytime they don't really pay hospital charges or you if its desired farm household does or that week for crash repair i hear others you may not notice from them. my spelling is not the greatest at it I obtained somewhat lazy." Company Car - Insurance - Accident.? Well, driving home yesterday from a club with my friends. Nearly completed falling my pals off we go a puddle through, me not knowing how large it is actually and so I suspected it was not simply capital. Appearing out of the puddle, the water was coming up-to the vehicle hood (dash). Hence the motor and strength So we've to get the automobile, and press out to some higher ground. Certainly, the motor has crammed and after having a several attempts of jump starting it, didn't work. And so I had to ring the breakdown company to come back pick on up us. As this can be my men car (organization automobile), will I must pay any excess? Considering that I'm 19, can the automobiles insurance be legitimate? (Meaning, am I going to be capable of generate it again?) Auto: BMW 1-Series (118) Guidance please?" Can you will get a car ? W/d im obtaining a vehicle without insurance Strange medical health insurance situation? My spouse had two states from a sleeping study hospital that were marked as Out-Of circle by my insurance. As such, the insurance company cut me a look for the percentage of the bill they are required to pay (rather than paying the hospital directly). What is the average monthly cost of motorcycle ..insurance for a 37 year old on 600 super-sport bike in the Dothan Alabama area? 'd to cash them quickly or else the assessments could be void. Generally, we get yourself a statement in the center with your full statement (including what the insurance had a need to spend) and we subsequently pay what the insurance wrote us a check for as well as our percentage. Now, the center has chose to write off what was designated as out of community. Thus, I have the amount of money and nowhere to cover it. Is it ethical/authorized for me personally to just keep it? It feels really wrong..." Pregnant and terrified...? I only learned I'm pregnant, my partner and I are maintaining it and we're likely to get married. Iam 24 years old, Iam in serious debt (I have not had the opportunity to have this problem solved the past year or two and I'm considering bankruptcy), he does not have a lot of work both...weare planning to try our finest with that-but I've no idea if I should go through with all the bankruptcy or if there is every other solution for me. Additionally, (even worse) Idon't have insurance right now. Might work has open enrollment for health coverage in December (I skipped it last year cuz I used to be out of town) and so I do not know what direction to go there, often. And another dilemma... theyre gonna kill me and.I have yet to inform my parents. How to approach they are told by /? I truly want this infant although you will find no members of the family I trust that I - can communicate with this all actually hurts and about any of it. Any guidance? Please avoid telling me because I already know just much, I'm foolish, and Iam gonna notice it." "Should you dont travel it have you got to insure acar?" I am 17 and currently understanding how to generate. I've identified a great automobile 106 quiksilver. And looking at the features i really do similar to this particular the one that forsale in the vehicle shop. It will be another 2 months untill i finish all my courses and take the driving examination that is functional. By this time around this car may be distributed and it might be missed by me. Because of the high vehicle insurence for fresh driviver myself and me with all the liscense, it might be a thing that i cant afford. Therefore I want to purchase the vehicle and park it. So this can be a concern: Will the veichal need to be protected easily merely intend to leave it left at all time-on a driveaway and dont drive /block? And will it be not legal easily don't insure it? P.S. I am going to also and to push the car just after i pass my sensible test after taking Passplus" What auto-insurance firms give insurance for adult driver with individuals permit? The vehicle is documented in my name has recent labels, plates, etc. I reside in Florida and I am 26. I simply got my permit to master to drive. Since that I don't possess friend that will let me practice/utilize their automobile for driving examination and driving school here's just offered to kids and I have live-in smalltown I've to-use mine. I have an authorized buddy who will educate me on my vehicle but will not let theirs is driven by me they do not wish to mess their sign up plus since its guide and Ive never pushed." "Experienced a vehicle accident - easily undergo insurance howmuch will my advanced increase?" My pal suggests at most maybe it's $1000-2000 injury - but I am looking to get the minimum set when they'll allow me to do that at their store that is proposed...insurance company is nationwide..." Should I file a claim with auto insurance? I drove my car into a column in a parking lot, denting and scratching the left side of the car. What is a good affordable dental, health, car, & life insurance? is about 1600. My insurance deductible is 500. Is it worth filling a claim? How much will my premiums go up if I file a claim? I have excellent record otherwise. I would recommend that you try this internet site where one can get quotes from different companies: http://insure-cheap.info

[letsimportanttreecollection-blog]

Tip cheap car insurance for one month only

"Tip cheap car insurance for one month only

Tip cheap car insurance for one month only

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

RELATED QUESTIONS: 

SO confused about this car insurance issue?

ok, due to being in the hospital giving birth, i missed a second payment on my car insurance in one term. i was told by my broker that was it, there was nothing i could do, they would cancel. my insurance company is ING. i said ok so what next? she told me on july 10th that they were sending out a registewred letter that day stating it was cancelled (my payment was late on june 25th). 2 wks later i had not received anything so i called my broker again. this was at 1 pm (they close at 4) and no one called me back. finally, i called back again, she called ING and called me back saying ok they said if you can pay it today it wont be cancelled (i had asked MULTIPLE times if this was an option, i was told no) by the time she told me that, it was 330 pm. I live a 1/2 drive away and by the time i got the baby together, went to the bank etc, it would be after their closing time so i couldnt do that. i contacted another broker who my mother deals with and he told me that they would send me my""

Do I need a motorcycle VIN number to get insurance in NC?

I live in North Carolina and I'm trying to get a license to purchase and operate a 150cc motorcycle. In North Carolina you must have a license for an automobile before you can get an endorsement for a motorcycle. Right now I'm learning how to drive a van so I can get a motorcycle endorsement. Before you can get a license for an automobile you must have proof of liability insurance (DMV form DL-123). Do I actually need a vehicle with a VIN number to get liability insurance? Or do I have to purchase non-owners insurance first and then switch it over to motorcycle insurance after I get an automobile license with motorcycle endorsement?

Will my car insurance go up if I was side swapped while driving a friends car?

I was 100% not at fault. We called cops, etc... But my question is will my personal car insurance go up? I was driving my friends car..""

Auto insurance for 16 year old female? r/o/p?

I'm sixteen, will be added to my mother's insurance plan. I will be the primary driver of a 2006 prius. I have good grades, and also, there are 2 cars between my mother and I. I am also located in CT! Can anyone give me an estimate of my yearly insurance cost?""

How do I find out who insures a store?

I know its private and you can't find this out and the owner doesn't have to tell you. Although there is a safety hazard when I go into this store and I don't want to get hurt and have to sue...I don't want it to get down to that...I want to let they're insurance company know. This really concerns me how you can contact somebody's insurance company... Is there anybody else I can report to?

What auto insurance company or small company is cheap for drivers under 25 in arizona?

I am going to get a car soon and i want to look for an insurance company that is cheap and won't really burn a hole in my wallet. Maybe someone cheaper than 120-150 per month? Please give me name and estimate price for which car.

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

Hey im gettin a first car soon, i only passed last week! and i understand that insurance for first time buyers is VERY expensive! If anyone could quote me some of the prices they payed on insurance for there first and the car they had that would be great!!! (IN ENGLAND  BY THE WAY)""

""If i buy a car, how long have i got to insure it?""

If i buy a car, how long have i got to insure it?""

Why can't I get quoted on the same model but older year of a car?

Hi I'm 18 and have just passed my test. I was looking to get a diesel fiesta, the 1.6 TDCi Zetec S to be exact. I was checking out quotes on insurance on them. For some reason I get quoted and can insure the 2007 and 2008 models, but the ones before that I don't get a quote. I looked up the cars specifications for all years and they all have the same torque, bhp, weight & everything. I wanted to know why I can't get quoted on the older models?""

What is the average cost for a student possessions insurance policy?

What is the average cost for a student possessions insurance policy?

How much do you pay car insurance?

yearly?

17 cheap car insurance??

i live in the u.k im searching for car insurance for when i get my car does anyone no any car insurance companys that do cheap car insurance for my age or comparing sites. iv already tried compare the market and confussed.com links would be amazing thanks guys X

Motorcycle insurance in ontario?

Im 21 years old and im looking for cheap motorcycle insurance in ontario. Any suggestions?

Cheap health insurance that will cover dental?

I need some help. I can no longer work at one of my jobs and my new job wont provide insurance since it is part-time I need help and scared that i cant afford anything. i already cant afford student loans. is there any cheap insurance packages i can get in ct?

""RX8 or BMW Z4, who has the highest insurance?

Does the 2004 RX8 (lol used for racing) have higher insurance than the 2004 BMW Z4?

Do i need insurance if i have drivers permit?

i got my permit yesterday but my parents wont let me drive until i get insurance. my moms car is insured. the insurance is 1000 dollars and thats how much i have in my savings account and if i spend it all i'll be broke. im 18 and still in high school and im looking for a job i applied but no one is hiring me and its frustrating!! im gonna waste all that money i did save on some stupid insurance??? ?????

Suspend my insurance without it lapsing?

Im having some mechanical problems with my car that Im financing, and I am too young to rent a car while its in the shop, so Im considering buying a cheap car to get me by until I can fix it. Unfortunately Im still financing the first car and want to know if there is any way to put a hold on my insurance so im not paying $200 a month to insure a car Im not driving. I will still be making the car payments but it would make it a lot easier for me to afford the repair bill if I could skip on the insurance without the bank I finance thru getting upset.""

Where can I buy health insurance?

I'm an self-employed worker. Need some health insurance because you never know when I'll get injured.

Car Insurance?

I know people will tell me to ring myu insurance company but i dont have my policy number with me or their number im at work today...... How much difference cost wise do you think it would be to change my policy so i can drive any car. I need to be able to drive my boyfriend, my dads and his dads cars? In the UK by the way""

Does anyone know a carr insurance company that quotes and lets you print certificate?

i need a car insurance certificate for wed and my own insurance cant post one in time. does anyone know a web site that quotes and then lets you buy and print off a certificate? not swift cover as they wont insure my car as im only 24! thanks!!

How long does car insurance process take for collision?

So my mother was involved in a collision several days ago and actually hit a police car on the highway. Her car has some serious damage and had to be towed. Now we're left wondering how long it will take before the insurance company determines whether it's totaled or fixable. It's an '09 Nissan Sentra and the passenger side airbag went off, the front passenger door's damaged, and the front right tire looked to show some axle damage. She was definitely at-fault but the the officer was kind enough not to cite her since she lost control of the car. Now we're left wondering how long it will take before the insurance company notifies us what they've decided. I was informed an appraiser went to look at the car two days ago though. Any comments on what the process will be like from now on? Thanks.""

""If I make a claim using my company car insurance, does that affect my personal insurance reputation?""

I recently got into a little fender bender using my company car. The other driver wasn't present, so I left a note. He called, and I followed through by filing a claim with the insurance company. I'm worried, though, that my personal insurance reputation/rating is going to be affected because of this claim with my company car. Any information you can provide would b helpful.""

What are the costs of running a car?

Firstly, I'm in the UK. I want to know if I can afford a car, so I need to know what you have to pay for. At the moment I'm aware of insurance, the cost of the vehicle (and petrol) and MOT. Are there any other costs I have to take into account? Thank you.""

Fake insurance??

Hello my friend want to register his car under fake insurance. He wonder wat will happen if he go register it with that fake insurance?

Where can i find cheap car insurance?

Im 18 and male and all the quotes i've looked at are coming back from 3000 to 7000, does anyone know where i can get it under 3000?""

Tip cheap car insurance for one month only

Tip cheap car insurance for one month only

Car insurance question?

My dad has full coverage on his car, my brother's ex wife has her car insured with his address. She doesn't live there, but is using his address for her car insurance purposes. His premium keeps going up, although its two different premiums, does it affect him because she is also using the same address? My dad is 70, and this girl is 27. Thanks""

Why can't I get car insurance?

I passed my driving test on the 11/10/12 I am not the registered owner on the V5 Log Book, my father is already insured on the vehicle that will be handed over to me as a shared car yet, I can't get my own insurance because I had one claim as a provisional license back in 2010, would it be better to go as an additional driver on my fathers policy or somehow resolve the problem as be the policy holder myself. Also my father admits he will be no longer needing the car when the insurance expires, but what do I do? just to be able to drive my car as I've only recently passed and want to go out for a drive!!!! Will the log book eventually need to be in my name so I can insure it? Also I'm having great difficulty with the claims, I can't seemed to be insured just because of a motorcycle accident claim that wasn't even my fault! thanks.""

How much is Audi A4 1.8t insurance?

I know there are a lot of things to take into consideration when getting insurance quotes and all but I was on craigslist and I found a nice little 2005 Audi A4 1.8t and I wanted to get an idea of insurance. I know that it is considered a luxury sedan and its foreign from Germany so those are going to make it more expensive. It puts out around 170hp and 160 trq. The car has great crash test ratings too. Seller is asking a little under $6000 and I don't know how many miles are on it yet. Other things to consider are that im only 19 so it would go under my fathers name. I know its hard to estimate what insurance would be but if anyone can come up with a good idea or if they own one themselves. Im not completely sold on the car but I just wanted a little help from the yahoo community. Any help would be greatly appreciated. I know Im not giving you a lot of info to work with.

""Add a teen to auto insurance policy, please help.?""

My dad is getting ready to renew his car insurance, I got my learner's permit in December of last year, and I do drive the car a lot, (with him of course....or not) but if he include me on his policy his premium will be over $1000, move like $1400 - $2000. Just because he added me to his policy, and his insurance company told him he HAVE TO include me on his policy, but I heard some where if you have a learner's permit, you do not require to be on your parent insurance policy? Or something like that......Is this true? Normally his car insurance only cost like $480.00/per 6 months, I hate for him to make me go out to get a job just to pay the car insurance and to drive.""

How does purchasing a car that was subject to an insurance claim affect the new buyer?

I'm looking to buy a car on autotrader and to be honest I really do not know as much as I would like to about cars. Someone is selling a car for quite a bit cheaper than its worth but the reason they've given for this is that the car has been subject to an insurance claim. In what way will this affect me?

When buying a car what detirmines how cheap insurance will be?

I am currently Looking for a new car and am trying to get the best rate for insurance as possible what features add to or detract from insurance costs thank you

Does anyone know where to get Cheap SR22 Insurance in Texas?

Does anyone know where to get Cheap SR22 Insurance in Texas?

Does anyone who is under 18 and doesn't have health coverage automatically qualify for MassHealth?

We live in Massachusetts and I previously heard that ANYONE who is under 18 and does not have health insurance will automatically qualify for the free state insurance, MassHealth. Does anyone know if this is true because it doesn't really specify online.""

Does your license get suspended for not paying insurance?

Does your license get suspended for not paying insurance?

What's the cheapest insurance i can get?

I live in NYC, i'll be 18 in feb next year and i want to know how much i would have to pay for it. I can't be under someone else's insurance. I don't even have a car yet but it probably won't be anything over 7000 and probably 1990's or early 2000's. Thanks.""

Are there any good arguments for requiring health insurance. Ive only heard arguments against it?

Ive heard the car insurance one, not very solid. I also have heard there will be hardship exemptions and certain levels of income earned that will determine how much help will be given in purchasing insurance. Just looking for somethings to note when someone brings up this part of the bill""

How much can i expect to pay for insurance?

Hi, Well im about to finance a Mercedes-Benz C300 and wanted to know how much should i expect to pay for insurance. Im 19 by the way, have a credit score of 710, dont know if insurance companies look at scores, but finally, this will be my first car. Hope that helps. Thank you!""

""I just received a position where I am given Benefits for the first time, I have questions about Insurance?""

Does what I pay for insurance come out monthly? or every check? what is coinsurance? How do deductibles work? Stupid questions I am sure, but I have never had the option to pick insurance, and I haven't been covered by my parents insurance for at least 7 years. I didn't go to the doctor much when i was covered, so I never learned what my parents had to do.""

""Moving from Texas to Arizona, how will it impact family auto insurance?""

I have auto insurance with my family who lives in Texas, but I am moving to Arizona. Right now my insurance is on a family plan which has multiple vehicles as it is much cheaper than if I were to get the car insurance by itself. If I register my car and license in Arizona, will the insurance agency not allow me to continue insurance with my family as we're in different households and states? Insurance agency is Metlife if that helps.""

Car Insurance for Teen Girl Estimate HELP PLZ?

How much would you estimate that insurance for a 16 year old brand new driver in a 2001 acura integra 2 door hatch back would cost with a good student driver discount? any idea? any one close to those guide lines that have an idea willing to share? Please help thanks

Can my daughter be on my mom's car insurance even if they don't live together?

Hi, my name is Kathy, I'm 19 year old female and want to buy a car but car insurance is just expensive. I want to be put on my grandmothers car insurance but we don't live in the same city. Do you think it would be possible for me to get on there! Thanks for your answers...""

Does anybody know any type of affordable car insurance (South.CA) for a teen who just got his driver license?

Do you know any car insurance that is not too bad (that covers stuff) yet not too expensive (lets say somewhere less than $500 a month)? And could you also please site a reference site? Thank you.

Can I have two cars under two separate car insurance companies read my situation please!?

I have my own insurance on my own car with Farmers Insurance. However, my best friend just bought a new car and her insurance rate sucks. Can I insure my friends car under my name with Gieco and add my friend as a secondary driver and keep my Farmers insurance under my own car? Also, is there any way that Farmers would no if I did this? Do I have to tell anyone I have two insurance companies? Just put insurance, right? THANK YOU!!!!!!!!!!""

Is having a health insurance mandatory in California?

I am moving from Massachusetts to California at the end of this month. In Massachusetts its mandatory to have health insurance and if you don't have it you can get penalized on your taxes. Is it mandatory in California as well?

""Do you know cheapest car insurance? My friend is 21, male.?""

Do you know cheapest car insurance? My friend is 21, male.?""

""I dont have insurance or a source of income, help?""

I am eighteen years old and currently have no insurance and I am looking for a job but so far nothing. I have chronic migraine disorder and ptsd, I was on medication for both but after I turned eighteen I lost all insurance I had with my mother. i don't go to school nor can i afford to and i dont know what to do. Help?""

What's the average insurance cost of a 17 year old just strating to drive?

1.) In a 1.0 engine car 2.) In a 1.5 engine car 2.) In a 2.0 engine car

What is the penalty for driving without insurance in california?

what is the penalty for driving without insurance in california?

How much does horse insurance cost?

How much would it cost to insure a 14 year old gelding quarter horse? He is 1,200 pounds and does jumping and dressage. I need to know this ASAP!!!""

I am selling my car while the insurance is about to expire.?

Do I need to buy a short term insurance to cover the car while I am trying to sell it? Btw it is parked on the driveway of my house and I won't have to drive it any more. But when there is a buyer coming to try the car I know it has to be insured at that time. So should I leave it until someone committed to buy the car or get it insured immediately? Hope someone who has same experience to answer this, many thanks.""

Tip cheap car insurance for one month only

Tip cheap car insurance for one month only

Will Health Insurance Reform give us affordable premiums?

We understand the proposed legislation will require insurance companies to accept pre-existing conditions and prohibit them from dumping anyone who gets an awful prognosis. These features are very progressive. Mr. Obama didn't want federally mandated insurance, but the insurance industry does want it. So if everyone is required to sign on, as with car insurance, then we need to shop around for the best rates. What's the bottom line? How can we find out? Can we still ask our Congressional reps to strike this out?""

Which candidate do you agree with on Health insurance?

A=Mandatory universal coverage in first term. Tax credits for working families to make insurance more affordable  ensuring premiums do not exceed a percentage of income. Business would be required to offer insurance to employees or pay into a pool for people without it. Expand Medicare and federal employees' health insurance plan to cover those without adequate workplace insurance. Raise taxes on wealthier families to help pay estimated cost of $110 billion a year. Also, raise taxes on a portion of very generous plans covering people making more than $250,000. B=Mandatory coverage for children, no mandate for all. Aim for universal coverage by requiring employers to share costs of insuring workers and by offering coverage similar to that in plan for federal employees. Says package would cost up to $65 billion a year after unspecified savings from making system more efficient. Raise taxes on wealthier families to pay the cost.""

Motorcycle insurance/registration in IL?

Do I need insurance to register my motorcycle in the state of IL? I know I don't need insurance to register it at the currency exchange, but it's cheaper at the DMV so I rather go there, I just don't know if I need proof of insurance.""

Cheapest Car Insurance (UK) For 17 year old (guy) who just passed test?

Hi, What are the best insurance companies to go to for cheap car insurance for a just passed 17 year old guy? Ive tried go compare and compare the market, but their cheapest quotes were 3700 a year! Are there any good Insurers who arn't on comparison websites, I heard some offer you discounts if you go to them direct. Thanks!""

Can switching to geico really save you 15% or more on care insurance?

...............

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.""

""What is the average insurance rate for a 19 year old male in Austin, Tx?""

PLEASE give me an actual number, not just how I could find out and what important information I left out. I have had no accidents and an attending school and will be buying an average car. Thanks in advance""

A person with sr22 insurance wrecked my car. Will sr22 cover the damages to my vehicle?

I was unaware the person I let drive my vehicle only had sr22 (Texas) insurance. He totaled my car while I was a passenger in it. My insurance is very unlikely to cover the damages since he is not on our policy, but would his sr22 cover the damages? I am very worried & any and all feedback would be greatly appreciated. Thank you""

Motorcycle insurance on a 2008 crf230l?

(around) How much would motorcycle insurance be for a 16 year old on a Honda crf230l?....thanks

Where can i get cheap car insurance?

Ive tried compare the market and a few of the other leading companies but they all a bit to high for me - whats so annoying is when i find one thats suitable it ends up higher than the listed price. Anyone know of a good one

""Insurance,if I buy a car and get my dad to registered keeper and owner and he insures it wi me as main driver?""

Is this legal their is a space on go compare ask n who the main driver would be ive got dr10 ins10 twice lc20 All from 2008 so cheapest quote is 5k. My dad also has his car too with 8 yrs no claims so idea is to insure my car registered in his name with the 8 yrs no claim s wi me as main driver and insure his car without no claims bonus got a quote on go compare 1000 for my car wr dad as registered keeper me as main driver and he would have to pay on his own car with no claims bonus not on should still b cheaper than , ,5k help!""

Is it possible to obtain a learner's permit without having my parents' insurance rates go up?

I am a 16 year old in NY and my parents do not want me to obtain a learner's permit because they are afraid that their insurance rates will go up and they cannot afford it now. Now, a friend told me that I could go to the NY DMV without my parents and get a learner's permit. Is this possible? I would like a learner's permit not only for the ability to drive, but also as a solid form of photo ID (like, instead of a passport). What should I do about this? PS. My parents won't be convinced.""

Where can I get cheap bike insurance?

I'm having trouble getting a decent quote for my ZX7R, due to my no claims being void becase I haven't ridden for 4 years. Can you help?""

What is the average annual/weekly contents insurance cost?

What is yours or what is the average?

Pregnant w/o insurance.?

I am 6 weeks pregant and do not have insurance. I don't qualify for medicaid anymore because I make too much money, like 1000 over. The problem is that I can't work less or we can't pay our bills. Does anyone know how I can get insurance while I am pregnant??""

Rental car insurance -- what does it cover?

We are going to Vegas in a few days and are renting a car. Since this car is going to be in and out of parking garages, I think it's a good idea to buy the rental car insurance @ $ 10.99 a day. Say while the car is in the parking garage and someone scratches or dings the door, would this insurance cover it? That's all I'm really worried about.""

Is there some sort of reason that Car Insurance costs so much more in Nevada than it does in California?

Im looking into moving, and I cannot help but notice that the quotes I am getting are, well, DOUBLE what I pay in California. Granted, I am a 23 year old male and have a decent driving record, it is kind of shocking to see liability only coverage quoted at $250/month for my two 8 and 12 year old cars, when Im paying $125/mo. as of now in California for the same 100/300 coverage. Can someone explain this? I have some friends that have moved to Las vegas, with the same shocking increase in premiums... (And yes, I need the 100/300 since I own a home)""

Proof Of Car Insurance?

I never owned a car, nor have I need to car insurance. I see I need Proof Of Insurance, How can I bypass proof of insurance when registering/buying a car from a dealership, etc?""

Insurance companies will have 32 million new customers because of Obamacare. How is this socialism?

The Affordable Care Act was modeled after a Republican health care plan by the Heritage Foundation and was first implemented by a Republican governor. All this bill does is makes sure that insurance companies have 32 million new customers. I could understand if you called Single Payer socialism (which I highly support), but calling Obamacare socialist is pretty stupid.""

Smart roadster uk insurance.?

Slight problem, was looking up TPFT insurance quotes for a smart roadster: 500 excess. 7000 yearly premium. 7500 annuall mileage. The car's only worth 8500 it has a 0.7L engine. How do they justify this price gouging?""

How much is car insurance for a 16 year old?

How much would car insurance be for a 16 year old female with a convertible volkswagen?

Can I get medi-cal if I already have health insurance?

I am insured with blue shield in California, and just found out I'm pregnant. My insurance doesn't cover prenatal care. I know my income qualifies me for California's medi-cal coverage for pregnant women, but will having insurance make it so that I won't qualify for medi-cal? Also, my live in boyfriend makes more than the income cap. Will that affect things? I just want to make sure I get some sort of medical care.""

Car insurance quotes?

when i turn 17 (few months) and hopefully pass my test 'm going to most likely going to get a ford fiesta however ive already looked at claims on multiple cars including the fiesta type i will probably get and every quote is around 5000-7000 so i was wondering if i should (give the car to my mum or dad) and get insured on them for a considerable lower price as the car im looking at is around 2000-3000 im not a boy racer or anything so im not gonna mod the car or rag it rotten i was wondering if i will be able to get away with it or should i just get insured on a car that costs less than the insurance? Thanks all that answer

Can I add a person to my insurance if i dont own the car?

Okay, my live in boyfriend just got a car and is leasing it through an auto dealer, and making payments. The car is in his name. I would like to know if he can be added to my insurance policy? Does the car have to be in my name to be on my insurance policy?""

Can i switch over car insurance to new car/ Montana to Wisconsin?

I had insurance for my old car when i was living in Montana, liability coverage or whatever is the cheapest. I got rid of my old car, moved to Wisconsin and bought a new (used) car. Can i switch my insurance over to the new car i bought? I got my insurance through AAA> Any advice would be helpful>thanks""

Tip cheap car insurance for one month only

Tip cheap car insurance for one month only

Where can a marijuana smoker get affordable life assurance?

it depends on if your a heavy smoker or just smoke a few times. if they ask for health records then you will be in a higher quote, but also when they ask you question on health and ...show more""

EMPLOYER INSURANCE VS OUTSIDE INSURANCE?

I work for a company that provides insurance through Health-net. Since the rates aren't that great (ya, what a surprise for Hyundai) I was wondering if could I deny the company insurance and just go with an outside provider? Or if I half to take what ever my company provides me.""

Can i get cheep insurance after being convicted of a 23140 in the California vehicle code?

I got pulled over more then a year ago and had a few beers with my best friend before he left for the armed services. I have the worlds brightest car and this probably wasn't the best idea. This happened 2 months before my 21st bday. My term to not have a licence is almost up and I am scared what my insurance is gonna look like. Does anyone know a way i can get cheep insurance or clear my driving record? Its only a infraction but will seriously mess up my life for the next 10 years. Any advice about programs insurance company s might have to lower costs so i can afford it when this period is up?

""What are my options, health insurance wise?""

I'm 19 and MassHealth is being a b**** and canceling my insurance. I got no job and I'm a full time student. Is there anyway to get insurance like this? I mean, Massachusetts must have something for people like me. Anyone else having this problem and have a solution? If so it would really help.""

How much is insurance for the Acura RSX?

I really want on badly but I'm concern about the costs. I am eighteen year old male and this will be my first car. I just got my license as well.

Is there an affordable health insurance plan?

Hey, I'm 17 years old and I have a baby. We both have MOLINA insurance. But my boyfriend who's 19 doesnt have any health insurance. He works full time and is about to be going to college part time. Well his wisdom teeth are coming in crooked and he cant get them fixed because it costs so much. Is there any health insurance plan that wont cost us an arm and a leg? And doesnt have a catch?""

Gap insurance on new auto?

what is the cost for gap insurance for honda acord 4 door sedan 06 year

Will this lower my insurance?

Im looking at cars to buy for my first car and I was wondering what the insurance cost would be like for a 16 almost 17 year old female for a 1979's 1980's camaro I also maintain a high gpa and get a discount for it aswell and live in las vegas.

""Where can I get cheap car insurance for a vw golf 1.4 51 reg? Im 17 and just passed, I'll b on parents policy?""

I will be on my parents policy, with a parent as the main driver and me as the named driver? Ive looked at tesco value and its coming up as 2500!!! i was hoping more along the lines of 1500""

Why does car insurance cost more in one state but is cheaper in another?

Why does car insurance cost more in one state but is cheaper in another?

Question about car insurance.?

Hi there I bought a car that is about 100 miles away, and is in another state. I will get a ride there to pick it up. But what do I do about insurance do I get some or other temp. insurance to drive it back to my home town? or do I get insurance where I buy it? What is the procedure in this case? Thank you""

Range Rover Insurance?

I know that insurance depend on a lot of factors however I'm just looking for a round about estimate for a 24 year old female with a clean driving record on a 2003 a range rover?

For a first time driver who is 28 who is good for cheap car insurance?

In the uk

Why is a five door car cheaper to insure than a 3 door car?

My father got a quote for a 5 door 1995 ford fiesta yesterday for 240. The previous car was also a fiesta of the same year and same engine but was a 3 door which cost 340 per year. We have had a 5 door ford fiesta before but that cost 340 per year as well, but the engine was the same and it was the same year. Why the difference in insurance cost between 3 and 5 doors?""

Can a financial advisor from AXA sell you New York life insurance?

I'd like to know if a financial advisor that works for AXA Advisors offer clients New York Life insurance products. Thanks in advance! I'm in CA by the way.

Insurance for honda civic?

Does anyone no how much insurance is for a Honda civic, I am 17. Do i have any hope of getting any?""

Car or 125cc motorcycle for 17 year old?

So I turn 17 soon and I was wondering whether to get a car or a 125. The main downside to getting a car is the driving lessons, it will probably end up costing 1000+ in just driving lessons/tests and is likely to take ages to past where as it takes a day to do the CBT to ride a bike. I am not interested in people saying Don't get a motorbike they're deathtraps! . So what should I do?""

Speeding ticket...how much will my insurance go up?

I received a speeding ticket. If found guilty of it, how much can I expect of an increase in my insurance premium? It is my first ticket. I have USAA insurance. It is a minor infraction. (1 point in here in Cali.) Thanks for the help!""

I am thinking of getting renters insurance. What is the cost of most average cost of most polices?

Live in a 2 story, downstairs apartment ground floor, one level., I have a doxie (weiner dog), my son who is an adult and my husband.""

Why is car insurance so expensive in the UK!?

So i'm not driving yet, only applied for a provisional, i'm age 17. But I thought why not try and figure out how much my insurance will be once i've passed and buy a car at roughly 1000, so I filled in all the details as accurate as possible on the compare websites and the cheapest yearly insurance price was 5600! How the hell am I suppose to afford this, am I doing something wrong haha :L""

How much does motorcyles insurance run??

I want to be an inexpensive bike to save gas money (like a ninja 250) and I'm curious how much laibility insurance is... my car insurance is only $30 a month and I have a perfect driving record, no accidents. thank you""

Will Hillary Clinton universal health care program force all Americans to pay for health insurance?

How will those who are unemployed pay for health insurance under her plan?

Help! Accident on motorcycle with no insurance.?

I was recently involved in an accident on my motorcycle with a Hertz rental car. I purchased the bike 9 days before the accident and was planning on adding the motorcycle to my car insurance policy. No one was hurt in the accident but a police report was filled out at the request of the rental company. I was wondering if insurance companies possibly have some kind of grace period for accidents a certain number of days before the policy is added, or if need be, transferred to the motorcycle. The rear bumper of the rental car was dented and the right rear lights were damaged. My motorcycle is fine. I live in California.""

Can my brother put me on his health insurance?

I have a illness. I started a new job and insurance won't kick in untill another three months. Can I be put on my brothers insurance? He has no children and he is not married. Plus he never uses it.

Jeep Wrangler Sahara insurance?

I am a 16 year old female... I want a 2004 Jeep Wrangler 4x4 Sahara as my first car. My mom seems to think the insurance is too high. Can anyone tell me whether the insurance on it would be super high or give me an average number for insurance? Would it be cheaper on a smaller car? thanks .xx

Tip cheap car insurance for one month only

Tip cheap car insurance for one month only

https://www.linkedin.com/pulse/harleigh-pennsylvania-cheap-car-insurance-quotes-zip-18225-church/"

[kelena-liz]

Winning the Enchanting Game In Black Desert Online

Enchanting gear is at the core of Black Desert Online. Learning how to maximize your chances of success, and minimize the chances of being left with unusable gear, will make the game more enjoyable for you and everyone else as well. With the addition of Blacksmith books, it's easy to create a strategy to "win" at the enchanting game now. It does require a bit of money, and patience, but it can reward you well. The key to winning at enchanting is to build yourself large stockpiles of blackstones, both weapon and armor, but moreso armor, because that's how you will build failstacks. So the first step in this process is identifying how to build reserves of blackstones reliably and quickly. The easiest way to do this is to do your daily Serendia boss scrolls. You can do them once a week. If you are level 56 and 150/150/200 or so in stats, you can solo any of the bosses, once you learn their moves, and, of course, it goes better and faster with friends and guildmates if you can get them to join in. Your goal here is not boss gear, though if that drops, that is great. No, what you want from these scrolls are blackstones and hunter seals. Hunter seals can be exchanged, in Trent and Tarif, for armor blackstones, weapon blackstones, and reform stones. Two hunter seals are an armor blackstone. Three hunter seals are a weapon blackstone. Let's ignore the reform stones for now, ok? By doing your boss scrolls weekly, you can collect enough seals to accumulate 40-70 armor blackstones per week, depending on RNG. Within a month's time you should have 200-400 armor blackstones set aside. Don't stop here, because you'll want more. Just keep collecting seals and blackstones. With Ronin and Narc Brishka scrolls in Kamasylvia, I can get enough seals to collect 100-200 blackstones per week. I normally keep at least a backlog of 1000 armor stones around and at least 500 weapon stones. Often I have more. Build that reserve up! That's your basis for winning the enchant game! After you have more than 300 armor blackstones, take 250 or so plus about 30 million silver (maybe 40) in gold bars and go to Velia. The blacksmith in Velia, Trana Underfoe, sells Reblath armor for very cheap prices. Deposit your gold bars into cash in your account so you can spend as needed. The remarkable thing about Reblath is that it is hard to enchant, almost boss hard, and definitely harder than greens. So buy any Reblath armor piece. I use gloves. And start enchanting. At first it will enchant pretty easily, but around +11 or +12, you'll start to build fail stacks. Once you get a failstack to +18 to +20, stop. Talk to Tranan, and and buy the cheapest Blacksmith book, that can extract any failstack up to +20. These cost 1 million silver, but trust me, they are worth it. Extract that stack (reducing stack count to zero), and then start enchanting again. Buy Reblath armor to repair whenever durability runs out. Do not bother to repair damage, just durability. Keep this up, extracting failstacks until you are out of stones, out of cash, or the item hits +15. Some people advocate creating a negative karma alt to live in Velia, to take your +15 gear, wear that one thing, then get killed by a guard, to break it back down to +14. I don't bother. I recover the blackstones and start immediately on another piece. That's a little less efficient, but I have so many blackstones coming in that I really don't care. How you handle it is up to you, and creating a negative karma alt is definitely a little more efficient if you want to bother with that. At the end of this process, you will have several +18 to +20 fail stacks. You can use these to take any weapon or armor item to +13,+14, +15, PRI, or DUO. As you do so, occasionally one item might be stubborn. If your DUO stack goes beyond about +28, extract it and save it. It has now become a TRI starter stack. Set that aside, load another DUO stack, and keep on going. I like to have 2-3 DUO stacks to take any item to DUO from PRI. I figure on average, I'll get one of those as a TRI stack every second or third armor or weapon item I am enchanting. When doing TRI enchants, I want one each TRI stack for any item I am trying to enchant to TRI. I also want 5-7 DUO stacks to recover DUO if it gets lost due to a failed TRI attempt. If TRI fails, immediately extract the stack, load a DUO stack, and get DUO back. Then reload the TRI stack, and proceed. If any TRI stack goes above +44, STOP, and extract that stack. This is now a TET starter stack. If you run out of DUO stacks, STOP, and do not try anything further until you can rebuild your supply of fail stacks. In other words, if your last DUO stack gets DUO back and now you have no more, do not try that TRI stack again. Wait so that you won't have to play with a PRI enchant weapon or armor piece. To attempt TET, you want one TET starter stack for an ALT character, because if it goes about +50 you can't extract it. You also want 5-7 TRI recovery stacks, and 20-25 DUO recovery stacks. The ALT character will be the one doing TET attempts. When they fail, place the item in storage, log over to your main character who has the Advice of Valks fail stacks stored, and recover the TRI level however many stacks it takes. Then swap back to the ALT, and attempt TET again. Rinse and repeat until you succeed. Stop if you run out of TRI or DUO recovery stacks to minimize your damage. Now in addition to all of this, if you are doing boss armor or boss weapons, you will also need to save memory fragments. These come from a different type of scroll, but these scrolls are assembled from pieces that drop around the world. The most popular but least efficient memory frag scrolls come from Ancient Relics. Ancient Relics can also be fished up with AFK fishing, which is why they are popular. Forbidden books create the scrolls for the Mediah level memory frag bosses, and "Scroll Written in an Ancient Language", which drops in Valencia, create the Valencia scrolls. Valencia scrolls give the most memory fragments, typically 6-12 per scrolls, averaging 7 or so. Forbidden book scrolls seem to average about 4-5 per scroll. Ancient Relic scrolls seem to drop 3-8, averaging close to 3 maybe 4 relics per scroll. There are also RNG mem frag drops as trash during these fights as well, so doing them with other people can slightly enhance your total number of memory fragments gained. If you have questions, please ask! I am always willing to update this with suggestions and other ideas! As with anything in BDO, it takes time, patience, and perseverance. With a little planning, you can minimize the frustration and pain of doing upgrades. I hope this shows you how to win at the BDO enchanting game. It can take a month or so to get firmly grounded, but once you are, you are on your way to winning the enchant game. 

************* Update! ****************   As an update to this, you can now “cleanse” +15 items down to +14 for 100,000 silver at a nearby priest.

In addition, I recommend stopping at +16 fail stacks on Reblath and extracting it then. A +16 fail stack is precisely what you get if you take that Reblath  piece from 100 durability down to 20 durability and do not succeed on any attempts. A +16 FS is adequate for starting DUO attempts.

#black desert online #enchanting