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#so hey why not go to Ye Olde Craigslist frankly
shirlleycoyle · 4 years
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Is It Worth It to Buy a Used Tanker and Fill It With Cheap Oil? An Investigation
In yet another example of the world economy shell game coming to a hard stop amid the coronavirus pandemic, oil is incredibly cheap as demand plummets and speculators panic sell and even pay others to store it in a desperate bid to never actually possess the barrels they bought on paper.
This situation reveals both the absurdity and fragility of how the world is currently organized, but, given that during previous oil gluts traders stored oil in old tankers, it also made me wonder: Would it be worth it for a random guy like me to buy a used oil tanker and fill it with cheap oil to make a profit later? Since that idea isn't any more absurd than continuing to pump oil out of the Earth in the first place, let's take an exploratory and incomplete (possibly incompetent) dive into the economics of storing oil:
The ship
There seem to be a decent number of oil tankers for sale in the world right now, judging by the listings from Horizon Ship Brokers, which is sort of like Craigslist but for multi-million dollar industrial ships.
While most prices are available upon request, listed prices tend to run from $10 to $20 million USD, and the ships run the gamut in terms of their capacity. The ideal ship for this plan needs to hit a balance of affordability and ample capacity, given, ahem, the current uncertainties in the oil market. Yes.
For the price and capacity, the best deal available now is a 274 metre-long Suezmax crude oil tanker for $17 million. The Suezmax was built in 2000 by Daewoo Heavy Industries, is currently somewhere in Africa, and has a capacity of 159,057 DWT, or dead weight tons. As its name implies, the Suezmax is the largest a ship can possibly be to transit the Suez Canal while full of oil.
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The Suezmax. Image: Horizon Ship Brokers
The ship's DWT doesn't tell you the whole story about how much oil it could hold, though, since it includes personnel and equipment. The actual amount of oil the ship can carry will depend on what type it is, as well, but the Suezmax has ample room and the price is certainly right. Caveat: The ship is listed "AS IS," which means you should be a smart ship consumer and kick the hull in a couple random spots and grunt "A-yup" a few times.
The oil
With a ship secured, we're set up to store a lot of oil at sea. But how much, and what kind, and, well, how?
A commodity trader told editor-in-chief Jason Koebler that the buying part is actually pretty easy: pay an accredited trader to trade on your behalf and purchase oil contracts. Crucially, those monthly contracts must expire so you can take physical possession of the oil. This is what commodity traders are desperately trying to avoid now by panic selling and crashing the price, but it is exactly what we want. If we were to buy oil at the "spot" price (thereby receiving it immediately), it would cost us quite a bit more: roughly $22 per barrel. Let us rather exploit the Vegas bookie-like nature of the oil market. Futures for West Texas Intermediate (WTI) oil were in the negatives this morning and are currently $5 per barrel.
According to the U.S. Energy Information Administration, a back-of-envelope calculation for a ship's capacity in barrels is to take 90 percent of its DWT and convert it into barrels per metric ton, adjusted for the weight of the type of oil being transported. The available DWT for cargo for our Suezmax is then roughly 143,151 metric tons.
There are a few different types of crude oil, organized by how light or heavy they are, and how sweet (low toxicity) or sour (high toxicity). A light, sweet crude such as WTI is what we want in order to get the most bang for our buck. WTI futures are dirt cheap as well, which is good for us, because everything is nonsense!
Using an online converter, we can plug in the API gravity (weight) of WTI—39.6 degrees—and the available DWT, to get a barrel figure: 1,088,741, or just over one million barrels' worth of sweet, light, Texas crude. To get all of that, via futures, it would cost us $5 million right now, or even less if we were smarter (we are not smarter).
If you were very smart and perceptive, and bought in at the market’s lowest point yesterday ($-37.63), you would have been paid $40,969,323.83 to take the oil. That means you would have made enough to have bought the tanker and would have had roughly $24 million left over to figure out the logistics of getting all of the oil from Oklahoma onto the boat. Unfortunately we did not do this, and neither did you, and the moment has passed.
Did we make money?
Obviously, right now, oil is basically worthless. So, even if this plan was pulled off perfectly, in the current moment you'd end up with a ship full of oil and millions less in your bank account, but not much else.
But hey, let's do the math! According to the U.S. Department of Energy, crude oil is typically stored in salt domes due to cost savings. Storing crude this way costs roughly $3.50 per barrel in capital costs, whereas storing it in above-ground tanks costs $15 to $18 per barrel. Our ship cost $17 million, and it can hold about a million barrels, and so taking just the up-front cost of the ship into account, storage would cost us about $17 per barrel. Not great, but not horrible.
Now, to break even we will have to somehow sell the oil for more than the cost to store it and buy it, a combined $23 per barrel in costs. I won't pretend to be able to prognosticate about oil prices in the future (frankly the whole thing is stupid), but let's assume that WTI futures return to January 2020 levels: roughly $55 per barrel.
Hot damn, we've more than doubled our money for a profit of $32 per barrel, or a total of $34,839,712 in profits.
*
So, it turns out that if you have $23 million laying around, a ton of contacts in the oil industry, and a hound's nose for profit during a crisis, congratulations, you're the worst person in the world! Also, you can probably make some money storing oil and selling it later.
This rough math is definitely missing a lot of factors (cost of crew and maintenance, fees, and other expenses), but the point isn't that you could actually make money if you bought a rusty oil tanker. The point is that the world we've built on pumping oil incessantly and trading it on markets is absurd and capitalism is uniquely incapable of properly administering goods in a crisis, or any other time. It's the same reason why farmers are destroying crops and dumping milk while people go hungry, and why I'm considering buying an oil tanker.
Is It Worth It to Buy a Used Tanker and Fill It With Cheap Oil? An Investigation syndicated from https://triviaqaweb.wordpress.com/feed/
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@all bros but sasuke: GO TO FUCKING THERAPY all of you and after u can say shit or not about sasuke >:c (especially madara/itachi)
Family Therapy part 1 
“Today, we are going to burn all our old bridges and build knew ones, stronger ones”
Sasuke rolled his eyes and looked at Izuna, making an indication that this was going to boring. Izuna smiled and nodded before getting hit in the back of the head. He hissed, looking at Itachi who was making notes like a nerd.
“He started” Izuna whispered.
“So, are there any questions before we start?” The man asked, he had this kind expression on his face and it almost looked like a mask, it was hard not to notice.
“Yes” Sasuke raised his hand, as if he was in school, “I actually already go to therapy...so...can I go?”
“No” Itachi responded for the therapist who just smiled kindly, pretending it was funny.
“I don’t think it is for you to decide, is it?” Sasuke asked the man.
“I think you are smart enough to know the answer to that and moral enough to know what the right thing to do is” He gave a supportive nod.
“Okay” Sasuke got up, “Bye suckers” He wanted to walk away, but Shisui pulled him back on the couch.
“I am telling you the moral sense is turned off on this kid” Shisui stated, looking at the therapist.
“It is not even a question, it is a fact” Sasuke admitted, nearly proudly when he leaned in to Shisui, who wrapped his arm around his youngest brother. Little did Sasuke know, it was his typical trick to keep the younger one to sit still and not get away.
“Shall we just start?” Madara suggested.
“Look at you paying attention” Obito turned his head towards Madara, looking impressed.
“Pff, the only thing I actually want to pay for is your silence and...a scotch”
“This is how I know you “ Obito sighed.
“We start with a warm up exercise before we proceed to the emotional side, I want all of you to get loose-” The therapist wasn’t even finished talking when Izuna slit off the couch on to the ground.
“He said get loose” Izuna justified his action.
“Keep him on the ground, where he belongs” Sasuke commented.
“How about we start with an exercise where we pretend to be air dancers-”
“I will stop you right there...what are air dancers? Because I can’t really dance, I mean I can hang around a pole-”
“It is the inflatable tube man” Itachi interrupted Sasuke.
“Yeah, the ones that goes down and then goes up and then down and then up!” Izuna laughed.
“Now quit it, they actually got a lot slower and don’t always go all the way down” Obito stood up making a similar movement.
“This is just a disgrace to dancing” Madara stated, crossing his legs and refusing to stand up.
“I don’t have to do this shit when I am talking to Mr Namikaze”  Sasuke whispered moving weirdly up and down next to Shisui.
“In a way, this makes up for a pretty good workout” Shisui tried to lighten the mood.
“What part of your body are you training, dude...come on” Sasuke hissed, rolling his eyes annoyed. Wasting an entire Sunday afternoon for this crap,  “I can’t believe I wore pants for this”
“Good job boys-”
“Hey, how does Madara get a compliment? He was just sitting the entire time” Izuna complained.
“Don’t be horny for compliments now” Obito said, immediately sitting back down.
“Hey, I was very productive in my mind” Madara yawned, “How long is this going to take? I want to see if I can make happy hour at the bar”
“Oh yes, I could go for a beer right now” Shisui said.
“Nobody is leaving until the Doctor Phopra says so” Itachi stated.
“Phopra...sounds like a blend from Phil and Opera” Sasuke muttered, but got completely ignored.
“Now, I want each of you to draw a number from the jar and then go to your partner, find a nice and comfortable spot in the living room for the next exercise, the ‘feeling wonderland exercise’”  
“Even the name sounds gay “ Sasuke commented, grabbing a number and immediately comparing it to Shisui’s “Damn it” He hissed before looking at Izuna’s who also wasn’t identical.
“You can stop praying, I drew number 2, we are partners” Itachi said.
“No, I have number 21” Sasuke immediately lied.
“Idiot, we are only with six people, at least try to make sense” Shisui smacked Sasuke lightly on the back of the head.
“Switch with me” Sasuke said
“I am paired with Madara”
“Keep your number, sucker” Sasuke got up and set next to Itachi, folding his arms and crossing his legs.
“Now, I want you to hold your partner and pull them closely towards you as if he is your baby you want to protect from the cruel world” The therapist said, walking around the living room to check if everybody was doing the exercise.
Sasuke and Itachi exchanged a serious look and both cracked a smile. Sasuke moved so he was lying down with his head on Itachi’s lap while Itachi stroked his hair.
“Why do you hate this so much? You don’t mind crawling next to me in bed, but now when you are supposed to, it is suddenly a problem?”
“Because it looks weird and stupid” Sasuke answered, “I mean look at everyone…”
The dark eyes examined the room and he wonder how Itachi ever came up with the idea of group therapy. This family had no boundaries to begin with. How did he ever hired a relationship therapist? Where did he find that guy?! On Craigslist?
“Come on, this is for the greater good, to strengthen our bond” Itachi smiled gently as he leaned in to place a kiss on Sasuke’s forehead.
“You are right, we already have the strongest bond in the room, I mean Shisui and Madara? Worst combination ever and I bet Obito doesn’t even know Izuna’s birthday...and they are like cosmic twins or some shit, you know what this means?”
Itachi raised an eyebrow looking rather worried.
“That we are totally going to win this, it is like shooting a baby through the head”
“Okay, first and foremost worst, that’s not how to expression goes, who shoots a baby through the head? It’s disturbing, secondly, this is not a competition” It seemed Itachi’s words were only half heard by the younger Uchiha, he seemed too busy examining the room.
“Yes, it is not a competition because we already won” Sasuke said, causing Itachi to shake his head.
“Just close your eyes and feel my love” Itachi moved his fingers over Sasuke’s face, closing his eyelids.
“It wasn’t instructed to close your eyes” Sasuke whispered.
“I know, I just don’t want you to look at me from that point, I once held my phone like that and it is one ugly angle”
“Wow, you are really opening up” Sasuke held Itachi’s cheek and he opened his eyes, “Do you want to talk about how that makes you feel? “ Itachi looked away exhaling deeply. “No, nissan, you should talk about your insecurities, how does it feel to have people look at you from that angle?”
“How’s it going here?” The therapist asked, sitting on the armrest of the couch.
“Not good, it seems everything coming out of his mouth is either sarcastic or some other way to mock everything” Itachi answered, looking disappointed at Sasuke.
“And why is that, Sasgay-” The entire room scoffed from the therapist’s pronunciation.
“It is Sasuke” Sasuke tried to correct him.
“Sasugay, that’s what I said” He smiled, Sasuke exchanging a look with Itachi.
“Sasugay, don’t avoid the question” Madara teased  from the corner in the room.
“The reason why you don’t feel weird by the fact your head is on Shisui’s crotch is because that is where your head 90% of the time actually is...around people’s dicks”
“Ooh ooh he ran and he scored~ Sorry Maddy!” Obito exclaimed.
“Back to my question, Sasgay, why is it so hard to let yourself be open towards your brother?”
“Because my brother is judgy and this is stupid”
“Explain why this feels stupid to you” The therapist crossed his legs and held on to his clipboard.
“Well, it is stupid because...I...I just don’t like pretending to be vulnerable” Sasuke frowned slightly.
“And why is that?” The therapist asked, narrowing his eyes slightly.
“I don’t know” Sasuke stated.
“I think you do” The therapist said, the entire room was quiet, listening eagerly.
“Because my dad said vulnerability is for weaklings and gutless people” Sasuke sat up, “And you know what, I have felt like a weakling, like a gutless person when mom hurt me, when she hit me and tried to kill me and I couldn’t do anything about it!” He stood up, “And don’t want to relive that!”  With those words he turned around and walked out of the living room, leaving the others behind.
“What happened?” Shisui looked concerned, getting up from the ground.
“He...he opened up” Itachi said, “I am concerned, is this good?”
“Yes, he is opening up” The therapist said.
“I am afraid, his voice sounded like he was about to cry ” Shisui looked at Itachi.
“I am going to check on him” Itachi got up and while he was followed by the others, he walked up the stairs towards Sasuke’s room.
“Otouto?” He called.
“No...not now! I need to be alone…” Itachi frowned by those words and opened the door. His expression turned to anger as he saw Sasuke with one leg out of the window.
“You are trying to get away…”
“No...no...I was just…trying to...commit...suicide?” Sasuke said, looking around him.
“What? Why would you jump out of the window when you have guns?” Izuna looked confused.
“He is trying to get away” Itachi clenched a fist, “Uchiha Waitforit Sasuke...get your ass back downstairs!” He shouted. Sasuke hesitated for a second, looking down the window.
“Don’t even consider escaping!” Itachi hissed.
“I was considering the suicide option…” Sasuke sighed and pulled his leg back in the room.
“Was anything you said even true?” Shisui asked, feeling like he got played.
“Shisui...come on...you have seen me fight” Sasuke rolled his eyes, “I am not vulnerable in any sense”
“Yet you are Itachi’s bitch”  Madara teased.
“Itachi pays the wifi, if you pay the wifi I be your bitch” Sasuke answered when he passed Madara to get back to the living room.
“You prefered to jump out of the second floor than to talk about your feelings!” Itachi snapped when he walked inside the living room, followed by the others.
“I don’t see the big deal I am already talking to Mr Namikaze and frankly I don’t think
I should be here”  Sasuke sat down, leaning his chin on his right knee.
“The big deal is that you keep everything locked up inside and at some point you are going to fall apart and then I have to pick up the pieces, like I do every time!”  Itachi raised his voice and it might have been the tone, or perhaps just the words, but at that point Sasuke looked hurt and for a brief moment it was clearly visible for everyone in the room to see before it was hidden away behind the big, black walls which were his eyes.
“Itachi, that was mean” Shisui commented
“It was bitchy and I am a bitch, but this was too bitchy for me” Madara added.
“No, no, this is good, let all the feelings out! Only then we are able to feel free, do you feel it?” The therapist asked and at this point Itachi was just straight up annoyed by everyone in the room.
“Do ya feel it, Mr.Krabs?” Izuna whispered, but Itachi ignored him in favour of expressing his annoyance.
“No! Because Sasuke doesn’t feel anything, but anger!”
“Look who is shouting!” It appeared quite controversial since Sasuke was shouting now too.
“Stop it, both of you” Shisui pulled Itachi slightly away.
“When do we get to the part where we can straight up talk about what annoys us the most, like how Shisui always supporting the wrong side”
Shisui was about to say something, but the therapist interrupted him.
“Actually, I am glad you brought that up, Itachi”
“You're welcome, at least somebody is taking this seriously” Itachi sat down, leaning back in the chair.
“Because that kind of language is actually counter productive-”
“Ooh snap!” Madara clicked his finger, enjoying Itachi’s annoyance more than he should have.
“Let’s start with the next exercise, I want you guys to sit in a circle” The therapist said.
“This better be good” Madara sighed as he sat down, as everyone was seated the therapist suddenly put his hands on Shisui shoulder, startling him.
“I want each of you to go around the circle and tell that person something that bothers you, but try to avoid words like never and always, instead of that, mention...your feelings”
“Uhm alright…” Shisui looked at Itachi on his right,  “I ‘feel’ like you complain a lot”
“Yes, this is good” The therapist said.
“I wouldn’t have to complain so much if you guys just did things right” Itachi folded his arms.
“Right, sorry I mentioned it” Shisui’s tone was sarcastic.
“Shisui, never apologize for how you feel” The therapist said.
“I thought we were not supposed to say the word ‘never’” Sasuke said, turning his head to the therapist who remained quiet for a couple of seconds.
“Good catch” He said.
“Uhm...okay...Izuna...sometimes you can be very annoying and needy, Madara your harness of assholeness is not appreciated, Obito…I have no problem with you whatsoever, Sasuke…” Shisui was thinking deeply, trying to find the right words,  “I am worry about you, a lot, and it hurts that you don’t realise how much everybody cares about you-”
“Owh right, I am hurting you guys” Sasuke wanted to get up, but Obito put his hand on Sasuke’s shoulder pushing him back down, “I am hungry, at least let me get something to snack on”
“Why do you suddenly feel hungry? You didn’t appear hungry a few minutes” The therapist tapped his finger against his chin.
“Because I wasn’t hungry back then, I am now”  Sasuke gave the therapist an awkward look.
“Or are you feeling sad and you try to progress the sadness by filling up?” He asked seriously.
“If I would have done that, I would not fit through that door” Sasuke stated, “I am hungry so I eat”
“He just wants to put something in his mouth so he would have an excuse to not talk and to put his focus on something else that is far away from his feelings” Itachi said, leaning forwards to look passed Shisui at Sasuke.
“Are you a psychology student?” The therapist seemed genuinely interested in Itachi.
“No, I am Sasuke-ologist” Itachi stated.
“So Sasgay, is that the reason why you eat so much?”
“Bitch, you didn’t, I don’t eat much, I just have a healthy appetite”
“You did not just call the therapist a bitch, apologise”  Obito said strictly.
“What?! No, he is criticising me for eating, a basic human...thing” Sasuke looked away from Obito.
“Sasuke, I am not going to repeat myself, you are in the wrong and you have to apologise”
“This isn’t working!” Sasuke exclaimed, “And honestly, I FEEL like I am being attacked”
“Sasygay, is always good to talk about how you feel”
“And I thought we weren’t supposed to say words like ‘always’”  Sasuke rolled his eyes, “You guys want to know how I really think about all of you, Shisui, you are worried about me? Look at yourself! You are in a terrible relationship, you smoke like half a pack a day, you are always stressed because of work and you wanna know why? Because you aren’t sure if you made the right choice becoming a lawyer because at the end of the day it was just a decision you made to annoy dad because he hated attorney lawyers! And you felt neglected by him!”  Shisui looked confused and the confusion turned into hurt before he looked away, not sure what to say.
“Let’s move on to Mr perfect because everything you do is so good, Itachi, I hate to break it to you, but you are a terrible, terrible brother, you are just like mom, you think you can make a difference by pretending you care about my mental health and shit, but the truth is...at the end of the day, you are not there!  Not for Christmas, for my birthday or for any occasion I actually want you -or I don’t know- NEED YOU around, to be honest, I stopped talking to you...I stopped telling you about my days or the stuff I have been up to because you have become so judgy!” Sasuke took a deep breath, shaking his head slightly.
“You want to connect? You want me to tell you everything I feel? Fine, I feel sad, I feel depressed and I feel sucky! Because everything I do...I fail and you won’t ever understand because everything you do always goes right without any difficulties! I studied weeks for a fucking maths test, only to fail it! Do you know how that feels?! Of course you don’t because you’re a fucking genius”
“You think I had it easy because I am considered smart?! I missed my entire childhood because it was suddenly appropriate to be involved in stupid adult stuff, unlike you, I don’t have memories of packing my bag and going on adventures! Because I couldn’t! Because it was always ‘Itachi, you are smart, you know the right and mature thing to do’ and yes maybe I did, but I didn’t want to, I don’t want to sit here nag and complain and give constant speeches about how family is important...but if I don’t...we won’t last a day” Itachi exhaled deeply, “And right now...I am not even sure I want us to last”
“Madara, you seem to be thinking very deeply, do you have anything to add?” The therapist asked.
“Did I take back my red tie from Hashirama’s place? I can’t recall” Madara seemed lost in thought.
“Let’s not even begin with Madara” Itachi shook his head.
“His entire existence is just...a no” Sasuke added.
“You are very mean and not caring” Shisui sighed.
“The worst part is that you just ignore all of it by drinking booze and fucking your boyfriend” Obito added.
“Hashirama is too good for you, I keep saying it” Sasuke sighed.
“Nah, it is probably upstairs, is it? It was such a nice tie” Madara said, causing everyone to exhale deeply.
“You guys say I am annoying, but if I don’t talk it is going to be very quiet and boring, you don’t realize that! I think if Obito and Madara aren’t home, this house never talks about happy things, so yeah, I try to cheer up the mood and get the conversations going, it is better than having Sasuke be depressed, Itachi complain, Shisui...being boring, that is all I have to say” Izuna said.
“Is it?” Sasuke asked. “Nothing about a certain someone misplacing your stuff?”  Izuna remained quiet and just looked at Shisui.
“I ‘feel’ annoyed when you place my stuff from the table somewhere else and forget...so I lose stuff...expensive stuff” Izuna gritted his teeth slightly.
“We have been over this, if it is important, don’t litter it around, put it in your room” Shisui said.
“I don’t litter it, I place it somewhere...where I can find it” Izuna took a deep breath.
“Shisui is right, put it in your room if you don’t want to lose it”
“I place it wherever I want! And you guys should stop putting it away! It is literally bothering no one when I put it on the counter! NO ONE! Sasuke is right! Itachi is a controlling bitch and he always thinks he is so much better! You are only 2 years older, you are not my mom! Sasuke, fuck off you don’t even have it that bad! Shisui, stop trying to defend everyone and just keep yourself out of it, Madara, I don’t know where your tie is, Obito, nobody has anything bad to say about you because you are an uncle that only comes during christmas with presents, you are never there when somebody needs support and yes I was hurt when you didn’t let me make that T-shirt design and instead when to a fucking marketing team! We are family!”
“I don’t decided the t-shirt designs, but...I guess I could tell the marketing team to consult you next time?” Obito asked.
“Empty promises, I know how to recognise them” Sasuke said, looking at Itachi.  “Nobody has a problem with Obito because his appearance in general is already a miracle, thank you for making time in your busy schedule for your family, that doesn't come first, or second, but third”
“Which rhymes with turd” Izuna added.
“I can’t help that I have to work”
“It’s not a real job, Obito! You make people laugh, how long is that going to continue? Five years tops? And what will you do after that? You didn’t even finish college! You are the one setting the wrong example!”
“Wow, Itachi, back off” Obito said.
“I think I see more of you on the internet then I do in real life” Shisui added.
“I am not complaining, whoever can give me backstage passes to Lady Gaga is awesome” Madara stretched his legs.  
“Madara...don’t even...” Obito sighed. “Why don’t you say something?”
“Well, I don’t hold my thoughts back, I say whatever comes to mind, you all know the things I hate about you and I don’t mind making you guys feel bad about it, I do that everyday, sometimes I just make my assistant text it to you guys so I won’t have to”
“Is that healthy?” I asked
“I don’t know” Shisui responded. A silence emerged the room and it was awkward.
“Well...everything is out” Itachi stated, looking up at the therapist, “What do we do now?”
“How do we fix this?” Shisui asked
“How do we build these stronger bridges?” Izuna added. Everybody was looking at the therapist.
“I...I can’t take it anymore!” He shouted, “You guys are a lost cause! It’s a miracle to me that you guys haven’t killed each other yet!”
“I think because they know they won’t be able to kill me…and the effort should then really come from my side” Sasuke said
“I can poison the tomatoes?” Shisui suggested.
“Mass suicide, we put poison in our soup, we are all done then”  
“No, not everybody wants to die” Itachi said in a harsh tone.
“Not everybody lives for army dick” Obito commented, causing Sasuke to laugh.
“This is the unhealthiest family I have seen, I can’t help you!” The therapist grabbed his bag.
“No wait! You have to!” Shisui said.
“We can’t go on like this!” Itachi shouted.
“I can’t help you...I can’t”
“I wrote you a cheque, you have to, this is your job-”
“NO, I QUIT!” The man shouted and stormed out, slamming the door behind him while everybody could see him run towards his car.
“Wait...I never signed the cheque” Madara made a not caring gesture.
“Okay...I am going to my room” Sasuke stood up.
“What?!” Shisui and Itachi said at the same time.
“What? I am bored” Sasuke stated.
“Are you just going to ignore everything that has been said?” Obito asked.
“ Yes...that exactly my plan”
“No...no, I can’t continue like this” Itachi stood up.
“Wow, niisan, I made a joke about the mass suicide thing-”
“We are going to Mr Namikaze”  Itachi stated and it seemed everybody agreed with him except for Sasuke...who just wanted to walk pantless around the house.
oxoSpecial thanks to @failureoftheyear 
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Is it a legal requirement to carry your car insurance documentation at all times?
Okay, this is the second time i've asked a question in the last two days but this forum is really interesting and gets me thinking. While I was at University, I was driving innocently along when I realized I didn't have my lights on. At that PRECISE MOMENT, I saw blue flashing lights behind me and the police pulled me over. He asked ''Do you know why I pulled you over?'' and I said 'Yes sorry! I didn't have my lights on''. He then proceeded to put me in the back of his police car and ask me questions such as name, address, telephone number, mobile telephone number, height, weight etc.. which I believed to be innocent questions.. but then the questions kept going down a quite frankly rediculous route and he asked me ''hair colour, eye colour, what are you wearing?, where are you going? why are you going there? etc etc and I started to wonder if he was taking the mick. Then after all that he asked for my car insurance documentation and driving lisence and I said I didn't have any on me except my lisence. He looked at my lisence, wrote down some information and gave it back to me. He then said ''do you realize it is an offence not to carry your car insurance documents with you when asked to produce them at the roadside?''. Again I apologized and said that I had no idea that this was the case. He then gave me five days to produce my photo and counterpart driving lisence and car insurance documents at the local police station or I would be arrested for failing to produce documents on demand. He then asked me to provide a testimony which would be read in court if I didn't produce the documents and so I said ''I'm terribly sorry for any inconvenience''. He then let me out. Suffice to say, the next day I took my documents to the police station for inspection. Is this standard proceedure?""
Has anyone heard of transamerica health insurance and if so is it worth it??
Thinking about getting insurance and would like some input on the Co.
What can I expect to pay for car insurance? details inside.?
I'm 18, First time car buyer, And I know little about buying. (I feel like I'm writing a personal ad haha). Here's the deal, me and my parents don't see eye to eye on buying a car, so i have to prove to them can afford car insurance BEFORE I even look at the car. So I don't have the car yet, and I called several places. they won't give a quote unless you have the car and then I still have to give them a lot of info about me first. So I'm stuck lol. Can you please give me a rough quote on what I will pay? Also make sure you include the price and for how long (Meaning tell me if that price is for 3, 6 months, year, etc.) Here's the car: http://baltimore.craigslist.org/cto/1037323276.html Details: I live in Aberdeen, Md 21001 (Town of 15,000 people, low crime, only busy certain times of day because of the military base we have) I will use the vehicle for driving to work mostly, about 10-15 miles day (I never leave town really). Clean Driving Record No Credit, but I have a co-signer ready for buying the car I want average liabilities, not state minimum but not expensive. PS I am already planning on having a mechanic check the car out before buying, please don't go on a rant about the car itself or Craigslist lol.""
Free health insurance for 20 year olds.?
Hi I am 20 years old and I need to see a doctor, Is there a health Insurance in California for me? Or is there a health insurance that I can see a doctor with while waiting for it to take affect, maybe an insurance that doesn't take 30 days to see if you qualify? please help me.""
Best health insurance company?
Can someone recommend a health insurance company in CA that has affordable rates? Recently lost my job and need insurance for me and my family.
""Speeding tickets and traffic safety school, does the insurance find out?""
I was issued a speeding ticket today in Illinois (cook county) and I have a question regarding one of my options: If you are 18 years or older, to avoid a conviction on your driving record, plead guilty, register for traffic safety school, pay $115. So let's assume that I pay the fine and complete traffic safety school. My question is regarding my insurance company...do they see that I was issued a speeding ticket but completed traffic safety school or is there no trace of it at all? I've read many things about this; some say that the ticket remains on record but simply does not count against you. Others say that the ticket will be on record and the insurance company can still choose to raise your rates but there is no penalty with the DMV for speeding. I'm hoping that the ticket is completely thrown out as if it never happened but I'm not sure. I have state farm insurance by the way.""
How to convince parents to let me have auto insurance?
I've had my license for a little over three months now. However, I have no insurance, and therefore cannot drive (in California). Their reasoning is that I am an unsafe driver which I disagree with because I quite easily passed my driving test at the DMV and always think before I do anything when I drive. However, they seem firm on their decision... It's a bit frustrating having my license for so long but still being unable to drive. I'm tired of having to always ask friends for a ride or my parents; I just want a taste of independence. Of course, I'm not trying to be too arrogant or stubborn, I've respected my parent's decision, it's just bugging me a bit now haha. I offered to do a six-month plan instead of a year plan since I'm heading off to college in Septemberish. I'm about to turn 18 in a couple weeks also. Does anyone have any advice?""
Ford Focus Insurance for a just passed Driver?
How much would insurance cost roughly for a 25yo female who's just past her test?? I haven't yet passed but when i do I want to get a Ford Focus and was wondering how much roughly insurace would cost!
About how much is the average teen insurance of the lowest requirements for TX of a 17 year old with a license
About how much is the average teen insurance of the lowest requirements for TX of a 17 year old with a license
Is there affordable health insurance out there for someone who has had high blood pressure?
Is there affordable health insurance out there for someone who has had high blood pressure?
What would be the cheapest insurance company for a 125cc motorbike?
i am a 17 male living in the uk.
Insurance and tottalling cars.?
well my husband totaled our car and we havent done anything with the insurance people yet and im wondering are they going to cover losing our car if we have the lowest insurance on a car that we are still paying payments on??
Where can I find affordable health insurance in the state of New York?
Where can I find affordable health insurance in the state of New York?
Car insurance for 2 people in 2 places...?
My father is going to add me to his auto insurance. He lives in the the Bronx, NY and currently I go to school in upstate New York and is where I will be using the car and I know car insurance is cheaper upstate New York. With that being said is it possible for his part of the insurance to be filed in New York City and my part to be filed through the upstate location? While still having him receive the bill for both... Thanks in advance!""
Im 19 and look for a cheap car with some power but quotes below 900?
im 19 year old i got my full licence for 2 years now and im looking to buy a car a cheap second hand one any would be good to be honest just need it to be 1. big so people can fit in comfortably 2. reliable 3. good mpg 4. not ugly 5. 1 litre - 1.4litre 6. and ermm it must be a car nice to drive and can go on motorways without struggling thanks i was thinking about a vw polo or a vw golf but im not sure if they would be cheap on insurance thanks :)
""In California...If i drive an insured car, do i need my own personel insurance?""
In California...If i drive an insured car, do i need my own personel insurance?""
Car Insurance Settlement?
Ok about 3 weeks ago I was rear ended while my car was stopped on the freeway. The guy hit me doing about 30mph. I have had back and neck problems ever since. I have been seeing a chiroprator on a weekly basis. Also it was a hit and run but I was able to get his license plate number. I live in California. Ok so his insurance company called me trying to settle for 1000 plus my medical expenses. The problem is I don't now what my conditions will be like in the future. Also how many times will his insurance call me and change the offer?
Do I really need home owners insurance?
if a hurricane were to come into my area and cause a flood, wouldn't the flood insurance take care of it. What are some good home insurance companies in FL with minimal requirements. I made several calls but no one wants to insure me because I don't have heating or cooling.""
Mustang GT car insurance?
Hey in 16 and im looking at buying a 1994-2005 Mustang GT. I like working on cars and this car seems to me an awesome car to work on. I just wanted to know how much people pay for insurance with a mustang GT. Also how much more would it cost because i am 16.
Is chba health plan any good? especially for pregnant women?
i am 2 months pregnant and i cannot find health insurance that accepts me. i am in michigan currently and i was offered a heath plan called CHBA health plan. does anyone have it? can some one tell me if its any good? anything i should be aware of? is there any other affordable insurance or health plan that good for a pregnant woman?? thank you.
I am selling my car and I have a suspended driver's license. What kind of insurance policy can I buy?
My driver's license will be under suspension until January 2014 and so I have decided to sell my car. What do I do about insurance? I dropped mine when I realized I would not be driving as a way to save money, but now that I want to sell the car I believe I need the insurance even just for someone to take a test drive. Are there short-term or reduced costs policies available in this situation? I would of course immediately not need the insurance once the car is sold, which could be very soon.""
Do you have to pay insurance for the driver or the car?
my friends keeps telling me her parents wont let her get he license because it is 2,000 dollars a year to have a licence, for like insurance. Don't you only have to pay for a car? like if she was to not own a car and just borrow her parents when needed would she still have to pay insurance? I am so confused haha""
State based car insurance?
Looking for new car insurance that covers only a couple states for a cheaper price. Looking for one that covers in FL
What is the insurance on a 01 Celica gt?
like the cheapest quote? per month
What is the cheapest car insurance around?
I still want good coverage but am so confused by all the ads. geico? aig? mercury? ahhhh so many I am a 21 yr old female with a good driving record I have had my license since I was 16. Please help!!
cheap one day car insurance for new drivers
cheap one day car insurance for new drivers
What is the cheapest car to insure for a 17 year old?
me and my Dad would like to know how much car insurance would be for a 17 year old and what would be the cheapest car. Now... I know theres no such thing as cheap car insurance but here's the details... I have already been on the road for a year (moped) I am doing my test in July (I'm not 17 yet but we just want some rough estimates) I will be insured on my dads insurance as a second driver (It's not fraud, its perfectly legal because its an option on most car insurance websites) Thanks so much for the help, George.""
How much would my car insurance cost?
If i were to leave my parents insurance plan, how much would it cost me for insurance per year or month? I am 18 years old with no accident records, no criminal records, and a drivers ed discount. My car is a 1997 Plymouth Breeze with 150k miles and its red. I still live at home. If someone is in the same kind of situation can I just get an estimate...I think this covers everything that effects car insurance for college students, and I don't have a good grade discount. Oh yeah, I am on Liberty Mutual insurance under my fathers plan.""
How can I get my car insured?
I am the only driver within my household and am 16 i need my car insured in order to drive it and keep my job...insurance companies want to charge me 1400 A MONTH for my car due to age...is it possible to put it in someone elses name that does not live on resisdence??....any help would be great!!
How much is normal insurance coverage for a ATV?
I just found out my parents had this amount of coverage on their ATV. 100/300/50 both comprehensive and collision with a $100 deductible anyone else think they have too much? That is the same as my car except with a higher deductible.
""How much would car insurance be for a f, pa, 16?""
how much would pa car insurance be for a 16 year old, female driver car suggestions: -mustang -X3 or any car on the hyprid/luxury end?""
Which auto insurance companies use Equifax?
My credit score is highest on Equifax. Does anyone know which auto insurance companies use Equifax to provide quotes?
Backed into something. Will insurance rates go up?
Today I backed into something in my car. It did slight damage to the rear bumper but nothing else. Could I choose to file this through my Insurance, and would this make my rates go up? I'm 18. Thanks""
Cost of motorcycle insurance?
Hi, I passed my CBT in february 2011, so i have been riding for under a year, on a honda cbr 125. It was around 250 for third party. I'm looking to buy a better quality 125cc motorcycle before doing my Standard Motorcycle Test some time in 2012. I'm looking to get my hands on a 2008 (or there abouts) yamaha yzf r125, as i believe this is a high performance 125 that will be able to indure the 100+ mile journies i will need to make every few months. I will need better insurance on a bike like this - Third Party Fire and Theft preferably. So my question is, can someone who has owned a yzf r125 tell me what they paid for insurance so i can get a general idea of what i'd expect to pay? Thank you for any contributions!""
I have recently ordered a wind turbine. Any recommendations for insurance?
I ordered a use wind turbine from Germany. I was wondering if anyone had any experience doing this and where is a good place to get insurance. I found these guys through Google thoughts? http://www.northernalliance.co.uk/wind-turbine-insurance/
""Buying used car from private party---plates, insurance, registration?""
I've bought from a lot before, but never a private party! When you purchase a vehicle from a person, how do you go about the whole insurance thing and of course there aren't any plates on the thing! How do you get it home if you can't make it to the DMV that very moment?! Does insurance have to be purchased before you can even leave the person's house??? How exactly does this process work? Oh, and I thought of something else: Let's say the person selling me the car had just re-registered it in January or so........does that mean it doesn't have to be registered again until that same time next year? Obviously my name has to get switched over on the registration......but why pay TWICE in one year for the registration on one car???""
""I'm being low balled by an insurance claims adjuster for damage to my car, now what?
I had a claim against a guys insurance company for damage he caused. They came out today and did an evaluation and now the insurance estimator is saying that the vehicle needs to be totaled and that I will be offered some low ball figure because my car has prior damage which was only cosmetic and minor nothing structural at all. I know that the vehicle will be worth more than they are going to offer. But I just want a fair price for the car. They suggested that it might take some back and forth negotiations and I need to know how to prepare for that and succeed at getting something fair? Are there any angles or cards that I can play that should give me some leverage against their claims adjuster? Your help is appreciated and thank you for your answer!
How does points affect my car insurance?
I just lost 4 points. I dont know much about the points system. How will it affect my car insurance when it's renewed? I am in NJ, if that makes difference. Thanks.""
""Im 18, and im bout to get my motorcycle license, and a bike, I want to find a cheap insurance. Does anyone?""
anyone know where I can find a cheap insurance in pa? I looked at all the big names, and it was 700-500 a month. I know ther are places that will work with the price i just need a little help finding them thank you.""
If i have liablility insurance on my car now and i am trying to get a new quote...?
it is asking for my old deductable but i don't have my insurance info with me. does having liability coverage mean i don't have a deductable? i don't want to put in a wrong answer and not get an accurate quote.
Can you be fined for owning an uninsured car? (California)?
Even if the car is not driven? And if it is registered?
Should i cancel my car insurance?
I have bought a new car which i get tomorrow(with 7 days free insurance). My car I am trading in the insurance policy ends in September. The insurance company want an extra 700 pounds extra to add my new car. However i have no more payments to make on the car. I do not want to cancel my policy with only 3(free) months left(which will also incurr cancellation charges). I dont want to lose my NCB. I also grudge paying the expensive rate of insurance on my new car when i know i can get it cheaper elsewhere. Can i just leave my policy running and declare my new car off the road till my policy is due for renewal and set up a new policy elsewhere?sorry for such a long ramble. Any advice would be appreciated. Ps. i only have one years NCB so i dont want to lose my second year so close to the end of the policy.. bearing in mind i have no payments to make now either. Gaving a second years NCB would save me a few hundred pounds on my next policy.
Should I take a term insurance rather than home mortgage insurance?
Normally many banks want the home loan borrowers to take mortgage insurance. Here there are controversies since many suggest borrowers should take term insurance instead. But do term insurances always give better protection than term insurance? How does a mortgage insurance compare with term insurance in terms of premium amount, premium payment period, risk cover of death, disability, chronic disease, surrender value, survival benefits etc? Apparently the term insurances are cheaper but have to be paid for a much longer period than mortgage insurance (generally paid for about 1/3rd of loan period.) So which options is better? I would specifically like to know about such products available in India. Thanks.""
Whats the best insurance for the self employed?
We need some insurance, but don't have a ton of cash.""
How much is insurance for starting a cleaning service in California?
How much is insurance for starting a cleaning service in California?
""Would it be worth going through insurance, pictures?""
Its a 2002 Honda Accord SE 4-door. Lets just they there was an incident, anyways. The rear passenger door is banged in. My issue is, if I buy a replacement, would it be hard to mount the door, are the bolts, just screw on, and the door is already aligned or is there some type of process? The deductible would be $500 with the possibility of higher insurance rates. I could get the door in the same color for less. What should I do through insurance or do it myself, would it be difficult? I have someone who will paint it, if it doesn't match. Supposedly, as far as the Window components are (Regulator etc, they are included in the replacement also) http://i9.photobucket.com/albums/a81/oyoki1/Pictures1026.jpg""
Car insurance PROBLEM HELP!?
Hi i've just bought a little suzuki SJ410 jeep 1.0L. the jeep was advertised as a SJ410VB. So i put that into my insuance quote before i got the jeep and it was very cheap 800. Anyway now i have the jeep i have found out it is s SJ410VBJA. So i put that model into the insurance quote and now it is 3,904!!!! WHAT? It is basically the same jeep 2 seats and same engine. So whats going off? Should i contact the insurance company? I can't afford almost 4,000!!! HELP! And i'm now stuck with it!""
I was in an auto accident without insurance. What am I facing?
I was in a car accident yesterday. I live in California. I had no insurance at the time, although I was unaware that my girlfriend had not sent in my quarterly paryment and was actually driving without insurance for almost 3 months. The day after the accident I went in to the Highway Patrol's office and spoke to the officer who took the report and informed him I discovered I had no insurance. He didnt seem all that concerned and thanked me for going in. As for the accidnet itself, I belief I will be found at fault as I did not brake in time and rear end a small car who in turn hit the car infront of her. I was traveling at about 30 mph when I started to brake and I heard the firefighter at the seen tell the chp he thought it was 25-30 mph. If anyone could tell me what I am facing legally and finacially. I read online I will automatically have a one year driver's license suspension. Is this accurate and is this all? WIll I ge a ticked or fine? I would also like for someone to rule out jail time. The driver immediately infront of me had good damage to the back of her car and was taken to the hospital with minor injuries. Her daughter called me the day after the accident and told me she was at her house but wanted her car fixed soon because she wanted to return home in another state. I suggested she call her own insurance and let them know I was inot insured. THe other driver in front and her passenger were also taken to the hospital with minor injuries and their car had minor damage when I looked at it at the time of the accident. I have not heard from them. Financially can anyone tell me what I am facing? I understand I will be responsible, but I also understand that the other parties' insurances will have to cover their own drivers. If so will I simply be responsible for their deductable. I am more concerned with the legal aspects than the financial. I am an single father of three and need to be there for my kids. Thank you to whoever can help!""
Car Insurance - Driving cross country?
I am driving my 2012 leased car from CA to MA, because I am relocating to MA from CA. I currently have farmers insurance on the car, will my insurance cover when I am driving across the country ? I will obviosly find a new insurance company in MA and will cancel my CA insurance, but i am just concerned about the Insurance during the drive. Appreciate any response. Thank you. -Kris""
How much should the insurance cover?
I was at an intersection, a 4 way stop. I stopped, and entered the intersection. As I went into the middle of the intersecton, a car approached from the right hand side and he didn't stop at the intersection. He went straight through it and hit the right side of my car, he basically T-boned me. The guy had Geico, they first offered to pay me 70% that was raised to 75%, and after another call it went up to 80%. So I know they have room to wiggle around. If it helps teh other driver got a ticket from a police officer for failing to stop at the stop sign. The damage to my car is on the two doors, they're completely busted. I would think they would be liable to the full extent of the damages, but apparently not. Im in New York state if that helps at all. I got an estimate, and Im living on a college student budget and can't afford to pay 400 for this.""
How much would it cost to insure a cheap motorcycle for a teen?
I found a good bike for two thousand dollars it's nothing fancy but it's enough to get around so I was wondering how much would it cost to insure a bike like this. I have very good grades my parents have a good driving record so I think that will help
cheap one day car insurance for new drivers
cheap one day car insurance for new drivers
How much auto coverage should I have in Wisconsin?
I own a 2008 Scion tc, and a 1990 Honda Accord LX. The Scion still has a lien against the title, and I have full coverage for this reason. I use my Honda as a primary car to drive to and from work with liability coverage only. What I have for coverage now is: Bodily Injury: 500,000/person 1,000,000/accident Property damage: 500,000/accident Underinsured and uninsured: 500,000/person 1,000,000/accident Medical Payments: 10,000 Comprehensive & Collision: 500 deductible Is this too much? My agent said something about a new law in Wisconsin making it stack for each car, so technically, I have double that coverage, and my premiums just went up. I'm looking for a way to get some cheaper premiums without exposing myself to too much risk. How much insurance do I really need?""
How can i Switch to another health insurance?
my son has keystone mercy for his health insurance but i totally forgot that the hospital he was born in doesn't accept that insurance they accept americhoice and i want to switch but im worried because i don't if americhoce would pay the bills from when he was born!!!! help!!
How much would lowering my mileage by 5k save me in california?
So being a teenager(19) and a male with a ticket I'm paying around 900 for insurance. Tickets my fault I accept the punishment. However, I switched jobs and After calculating distance I'm only going to be driving around 5000 miles rather than the 10 on my insurance. Just kind of curious how much the mileage drop could save me since my insurance agency isn't being much help.""
How much does car insurance in u.s.a. cost I need to know or i'm sincerely screwed so please help I loove you?
Hello I'm about to go the u.s. to work in production. anyway what I'd like to know is what's the cost of car insurance. I'm a male whose been aged 21 years old since august 2010; and if i get a car over there it will probably be me fist. just want to know can you give me an average price - is it expensive or would it be under $5,000. for example i know you'll say it depends but please just give me a rough guestimate or average THANK YOU P.S. I LOVE AMERICA.""
Free health insurance for the unemployed?
i am unemployed and have no health insurance. is there a program in pa. where i can get health insurance for free or at a very low price?
Luxury cars with low insurance rates?
I was wondering what types of luxury cars would have the lowest insurance rates? I would prefer either a sedan or coupe. So in the category of luxury sedan/coupe, what would be the lowest insurance rate? I don't care about the price of the car itself, I just want one that doesn't have me paying a bunch every month, non-stop. My definition of low is around the neighborhood of $60, preferably lower obviously. If there is no such thing, then please tell me the closest to it. Thank you in advance.""
How much would an individual health insurance plan cost for me?
Obviously I know it can vary but I just want an idea. I am a female in my 20s and I was wondering what a policy would cost if I didn't go through an employer for health insurance. Can someone provide a ballpark area for the cost? Thank you
Can I drive my friends car without insurance?
I don't own a car. I don't have auto insurance in canada. If I borrow a friends or familyies car, am I covered under his insurance?""
""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 do I get health insurance for my 2 year old son?
I have a 2 year old son and me and his mother are separated and I want to get him a health insurance plan. His mother is not working now and I work on my own so I don't have health insurance from work to cover for him and we are about to go to court to settle for child support and custody and I want to have him on health insurance. Please any help will be appreciated. Where do I go or where do I call? is any health insurance good or how does this work? Thanks.
Cheap sr22 insurance?
I'm looking for a cheap sr22 insurance. Anyone can help me? Thanks
What is the average cost of monthly car insurance in Alberta?
regarding a fourth year female driver
Will getting a ticket affect my dad's insurance?
So I was driving my dad's car and I made an illegal uturn at an intersection and got a ticket for it. The car is owned by my dad and it's under his insurance. Will this affect him in any way? If I don't pay the ticket, will it affect my credit or his or does it even affect the credit? I live in Vancouver, BC.""
Liberty Mutual Insurance?
im 16 years old just got my provision license in california and my mom has liberty mutual car insurance and i was wondering if i drove her car and crashed would they cover damages?
How much will my insurance be?
I found a 1999 Mitsubishi Eclipse and im concerned about the insurance since im 16. sport cars= more expensive. Lets say if a Crown Vic was $130 a month, how much would a sports car be? I will also be on my parents insurance witch there is three cars already on there insurance so the cost will go down some i believe. If i maintain a B- or higher grade for school my insurance will go down an additional 10%.""
What Car insurance is the best and cheapest?
First time car buyer, 23 years old, interested in Honda Civic. What Insurance would be the best and cheapest with this information?""
What is needed to become a homeowners insurance broker in California?
What is needed to become a homeowners insurance broker in California?
Insurance company problem?
My gf's son was in an accident last Saturday; not his fault. Other driver pulled out in front of him and police have assigned full liability to that driver. His truck is a 86 Nissan D21 pickup and the damage is pretty bad. Estimate so far is about $3800 to fix and www.kbb.com lists this vehicle's value at $2100 (actually had to use an 87 to compare; they don't have older). Clearly the insurance is going to total the vehicle. Yesterday we finally got the rental car (son is driving her car). Today the insurance company is telling her that she can only have the car till Saturday. I'm thinking she keeps the car until the matter is resolved. That is, she has a check in hand for the market value of the vehicle or it is fixed. Secondly: the check won't cover fixing the vehicle yet it's a great little truck and worth fixing. Engine appears to be fine as does the chassis. Can we sue the driver for the difference between the settlement and the repair?""
I do not have any health insurance. Where can I find a psychiatrist to talk to in VA that is affordable?
I do not have any health insurance. Where can I find a psychiatrist to talk to in VA that is affordable?
What are the cheapest cars to insure for a 17-year old?
What cars would give a 17-year old just-passed Male a reasonably cheap insurance? Is Ford Ka a good choice? How much are these cars and what do you think would be their insurance from this information?
Car accident insurance?
Today someone backed into my car while parked damaging it. We exchanged insurance info and I called my insurance company and let them know and gave them his info. Does he still have the option to pay the for the damages in cash or does he have to go through insurance now that i let them know. He didn't specify if he wanted to go through insurance or pay in cash. I just want to know if i eliminated his option of paying in cash by calling my insurance. I feel bad if that's the case.
Anyone who has state farm car insurance?
i'm going to be 17 soon and i'm planning on getting my permit. i live with my aunt so if i get my license i would most likely be under her name for insurance. the problem is that shes worried that if i do get into a huge car accident, then theres a chance that we would lose our house. but i really need to drive because i need to work and my aunt is working too so it would be hard for her to drive me to work. she also said that car insurance for teens is really expensive and i know that that's true. what should i do? by the way she has state farm insurance and i would need to get a car to drive if i get my license because my aunt only has one car right now. but im definitely not going to get a new car, probably a used compact car like honda, mitsubishi, or hyundai because i know that the age of your car and the type of car you drive effects how much your insurance will cost. any advice on what i should do?""
Classic car insurance in ireland?
iv a sports car that will be 20yrs old next yr,its not my main car so mileage kept low,insurance and tax is high , so i was looking into classic insurance,part of qualifying for classic insurance is i have to be registered with a classic car club,does any1 know of one that would suit that's not limited to a particular make of car or air-cooled in ireland thanks""
How can I get an Auto Insurance adjuster to address my claim ? He is completely unresponsive.?
I drove out a brand new car from the dealership and stopped at a signal light. I was rear ended hard by a coupe driven by teenagers. His car was towed and impounded. Now I called the other driver's insurance company after receiving the police report and was told that a claim has already been filed and an adjuster's name and number given. I have been ever since calling the adjuster and leaving voice-mails. Its about 3 days and I have left more than 8 voice mail but he does not call me back. Its getting frustrating and am unsure if thats their strategy ? How long should I continue this ? and How can I get him to attend and address my claim ? and what else are my options ? Should I go to small claims court ? Advice is much appreciated.
Car Insurance in UK for a driver new to UK?
I have over 10 years of driving experience, but all my experience is in India. I have recently got the driving license in UK. I want to buy a Car here, but just can not afford the insurance. The insurance companies do not take my over 10 years of driving experiance into consideration and are equating me to a new driver. Is there any insurance company who would consider my driving experience and provide a better quote?""
cheap one day car insurance for new drivers
cheap one day car insurance for new drivers
Lying on car insurance...?
what are/or could be any consequences of me lying about my car insurance renewal when i do 26,000miles per year and if i put that i only did 10,000miles my insurance would be alot cheaper it would go from 240p/m to 180p/m!?!?!?!?!? how would the insurers know how many miles i did per year?""
What is the cost for home insurance based on?
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Where can I find a great deal online for CMS Health Insurance Form 1500 Claim
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Hello! I need to sign up for private health insurance and I am getting confused with all the sales people and plans! I live in South Dakota. Anyone have Private Health Insurance that can give me some advice?
What type of insurance do I need to run a cleaning business in Michigan?
My son's teacher said that the preschool he attends are taking bids on cleaning there facility but you need to be insured so I was just wondering if anyone knows what type of insurance I would need to carry to place a bid. There current company is not very good cleaners and they want to hire me but I need insurance please help! but please if you dont know the answer please dont post! Thanks
I need a form for allstate car insurance good student discount?
I need a form for allstate car insurance good student discount?
Why is classic car insurance more?
For a teen I mean. I know these types of cars need special insurance companies but these special companies don't take 18 year old drivers. I'm currently parting out a 76 camaro with a tired 250 v6 so it's not fast in any ways. Though it is still called a sports coupe . so I was curious and got a quote and they quoted me $550 a month. strange thing is my friend drives an 04 rsx that's standard (the camaro is auto) and pays the same rate monthly under his parents. What are the factors that determine these rates? safety? engine size? the amount of damage they do? I had a 03 civic coupe (standard) briefly and was paying $260 a month under my parents insurance. According to the insurance company, all these cars are considered sports cars and therefore have higher rates however they would not tell me the reasons why and that is what I am here to ask.""
""Teen males, how much was your insurance?""
I was wondering the average or ideal amount that teen males pay for insurance. I have $700 saved, & I don't know if that's enough to cover How much was your insurance?""
I just got a great site for car insurance on here... lets go for dental.?
I now need some affordable dental insurance... please send me a site or two?
All the obamacare plans probably have better benefits than your current health insurance. bad news?
September 2013 An Early Look at Premiums and Insurer Participation in Health Insurance Marketplaces, 2014 Cynthia Cox, Gary Claxton, Larry Levitt, Hana Khosla Under the Affordable Care Act (ACA), individuals and families may purchase private insurance coverage through new state-based exchanges (or Marketplaces), which are set to open in October of this year for coverage beginning January 1, 2014. In states that decide against operating their own exchanges, the federal government will either run the exchange or work in partnership with the state to create an exchange. Regardless of whether an exchange is state-run or federally-facilitated, enrollees with family incomes from one to four times the federal poverty level (about $24,000 to $94,000 for a family of four) may qualify for tax credits that will lower the cost of coverage through reduced premiums and, in some cases, also be eligible for subsidies to reduce their out-of-pocket costs. This report presents an early look at insurer participation and exchange premiums both before and after tax credits for enrollees in the 17 states plus the District of Columbia that have publicly released comprehensive data on rates or the rate filings submitted by insurers. These include eleven states operating their own exchanges and seven defaulting to a federally-facilitated exchange. Plan availability and premiums for all states are expected to be available by October 1.""
Gap Cover Insurance-Australia?
I have my car on finance on a 3yr contract. I was told that I'm paying for 5yrs of gap cover but only using 3 and at the end of my term I should get a sum back. How much does Gap cover cost? I want to work out how much i'll get back.
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My fiat punto has non-standard alloy wheels and they're making my car insurance too high. How much will it cost to replace them with normal wheels/tyres?
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I have Geico insurance for the past 8 years. I have not made one claim in that 8 year time frame. I was driving down the highway last week when something struck my windshield and spider cracked it pretty good. Should I pay it out of my pocket or call the insurance. Will my rates go up for making a windshield claim?
What's a site I can use to see how much car insurance would be?
I want to see an estimate
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I just recently got into an car accident while i was 9 months pregnant, the acident wasnt that bad however it did triger some back pain...now the person that hit us insurance is going to cover the cost...but i was tryna do an estimate if i went for treatment for a couple of weeks maybe 6 weeks or so.. does anyone know how insurances work and how much they would try n give me to settle for?""
How much will insurance cost for a kawasaki ninja 250r monthly for a 20 year old beginner?
i think i might go with state farm.
Insurance (and more) for new driver in Ontario?
So, I'm going to take my written test (G1) tomorrow and I'm looking ahead trying to figure this out. I plan on taking a MTO certified course to be able to take my G1 exit driving test in 8 months. I have a car lined up that will practically be given to me in 8 months. I'm 30 and living on my own. Will I be able to get insurance on a car with only a G2 license? Will I have to pay through the nose for it? Would it be legal and/or cheaper to have my dad buy the car and put it and me on his policy? Would I live to be living in the same household as him? Any other ideas, issues, or options I should be aware of? Thanks a bunch.""
Health Insurance coverage?
I'm now covered by the employer's health insurance (with dental) plan. After I quit/leave current job, how does this health insurance coverage work? Before I'm hired by other company, what options do I have on the health insurance?""
Need help with car insurance!!?
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First, don't worry, I have wonderful insurance so me and my baby will be just fine. But, today in one of my college classes we were talking about medical costs without insurance and it got me thinking.... how much would we have to pay for prenatal care, hospital bills, and doctor's fees if I was not covered by insurance (from conception to delivery)? Anyone know?""
How much should my car insurance go up if....?
Two years ago I got tickets for both running a stop sign and wreckless driving.And just now the state has turned it in to my insurance company who will drop me just because of those tickets,even though I had a good driving record before then.But Iam trying to work things out with them to see if I can get a deal. How much should my insurance go up?""
Should I insure brand new car?
hey guys I wanna ask u what's the difference between warranty and insurance ? should i insure car if it's brand new ? it would cost me a lot if I insure and warranty car :( so could u tell me great way to get rid of it ? waiting ur answers :)
How much would a 17 yr old pay for car insurance? 10 points in 24 hrs!?
I may be getting a 2011/2012 KIA Optima Hybrid. It will be probably be a light color maybe greysish blue. (if that matters, i heard it does). I live in New Jersey and I want to pay ...show more""
What is the cost of the insurance for the car i want ?
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cheap one day car insurance for new drivers
https://www.linkedin.com/pulse/can-i-hire-attorney-handle-my-parked-car-claim-against-ethan-bray/"
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ctrl-shift-esc · 7 years
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Moving On 
Hi 
Monday , June 26th 2017 
I say good morning. Or I guess I could say goodnight, its 1:40 am. Yep! Meant to publish this earlier, but I didn’t. 
I’m writing from my oh so hot apartment, from the noisy downtown of Vancouver. People say Montreal is the city that never sleeps. But I’m ready to challenge that! I can confirm that in this city, there’s only a few hours of silence. Happens to be between 3:30 am & 5. Silence for a whole hour and a half! 
When your head is twisting with thoughts making it hard to shut it up there, having a busy busy surrounding can get hella heavy! 
Remember when I wrote about my move to Vancouver, how I wasn’t as excited as I thought I’d be… how perhaps I might’ve outgrown my goals to be here? Well turns out - I hit the nail right on the head. I loved living in Yaletown- I love everything from the convenience to the ritzy lifestyle. But the granny in me hated the noise, the partiers, the sirens! 
Fun (not so fun) fact; did you know, there’s a tragedy every 5 min in Vancouver? Yuh don’t need to set alarms here, or press snooze for that matter, EVER. Just wait for the sirens. You’ll have plenty to remind you, to get the fuck up.
The granny in me needs to escape! 
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Apparently, if you wish for something long enough…sometimes life will give it to you. Sometimes it’ll give you exactly what you need, in the oddest way possible.
I’ve been complaining of the noise, like an 86 yr old, for the past couple months. I’ve been craving the quiet of the Alberta boonies for a while. But WHY! I asked myself. I had NOTHING to do when I was there… So I figured I simply had a severe case of wanting what I didn’t have, so I let it go. I blamed my wanderlust on my “vision board” ; my wanting to settle down, buy a house. My wanting to start adulting … but I kept telling myself I had loads of time till I needed to adult… so I let it go. 
Days went by. Weeks turning to months, just as I’m getting used to the Hey-Im young-living downtown is probably good for me- idea, we get a call from our landlords telling us we need to move ASAP because they’re selling…
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FUCK! Was my first thought.
I freaked! 
I flipped my shit. 
Sure I’ve been saying I wanted to move … I wanted to start my adulting. Start the next step with my boyfriend, buy a house, get puppies, do shit adults do. 
But FUCK! 
I wasn’t ready! Did it have to be NOW? 
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Denial. I didn’t want to deal with the slap of reality life just handed me on a silver platter… so hours of temper tantrums and sleepless nights later- not to mention the hours spent obsessing over kijiji , Craigslist, & PadMapper’s housing adds, ( I’ll spare you the details… ) we finally found a place I was WOWED by. It was a mini miracle. But there’s a catch. This place was nowhere near downtown. In fact this place was nowhere near Vancouver… it’s a solid 40 min drive away. 
At this point I was so fed up with running around and stressing about where we were going to live. Struggling to find a decent place with decent space. In a decent location… unable to swallow the outrageous asking prices, that I decided- quite frankly- to say Fuck it. Let’s go check it out…. my need to escape was stronger than my want to stay forever young. #PutYourGrannyPantiesOn 
So on date night we road tripped to Tsawwassen Springs- a golf course resort & spa, to go check out this “wow” of a place. I instantly fell in love. The area, the quiet. The community … the apartment building! I wanted it , and I was going to get it if it was the last thing I did! 
The unit we fell in love with was given to someone else… 
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Needless to say, I had another breakdown. But a few hours later- thanks to my overly obsessive relationship with Craigslist I found another unit asking for less, in the same building. In fact, it was the unit right below the one we visited!  
I jumped on the opportunity. This time I wasn’t letting this one slip away. I Emailed the guy right away! From that point on I didn’t let a day go by without reminding him of our existence. Real estate here, is a savage battlefield. Each man for himself! you gotta be ready to shed blood, sweat & tears! I got defeated on the first round, but I wasn’t going to loose this time! It was down to two contestants. Was between us & another couple… I wasn’t having it… so a minor case (figuratively speaking) of harassment later… We got it! 
I can finally breathe! 
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Yes it’s hella far. But the feeling this place gives me, the amount of calm it brings my little heart- it’ll surely be worth every minute of commute. And damn it, I have a car, ain’t that what they’re made for anyway?
I constantly crave getaways. I practically wanderlust for a living. (Yes I love the city lights and the downtown nights, I can still go visit whenever I feel the need to be in an overpopulated area) but this place would give us our quiet- cozy - home, away from the city. On a beautiful resort. A place where I can disconnect my never ending thoughts from a busy world. A place to quiet down and relax. Damn it! A place where I can be my 86 yr old self, in peace!
Maybe that’s exactly what I needed. Turns out, I’d outgrown my own goals. Who knew that was even a thing. I no longer needed to be downtown (although I’m happy I get to say I lived it) I needed to move on. 
Now onto bigger and better things! What’s next? Art projects & continuing the journey to my best life, with my honk'a'honey by my side 💜 
Until next time 
Ctrl+Shift+ ask for what you need  PS next blogpost about getting butt naked stay tuned
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