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fallingfor-fics · 3 years

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Teachers Pet-chapter 13: the test

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chapter 12

I was just leaving the Great Hall and was walking to DADA with Harry and Ron, discussing what we were thinking we would do in class today, since neither of us wanted to attend. We walked into the classroom and I noticed Lockhart wasn't there yet, thank Merlin, maybe he would be absent today. We sat down and got our supplies out patiently waiting. I heard Ron whispering to Harry and nudging his arm.

Lockhart entered and gave a brief overview of what we would be doing in class today. I heard more whispers from the pair and turned to look at them, "What are you two whispering about?" I said in a hushed tone. "Nothing" they both said and I just rolled my eyes. I then felt a tap on my shoulder and turned to see Harry smiling at me. "Um Y/n I wanted to ask you something." he said clearly scared and looking back at Ron. "Well what is it?" I said wishing he would just ask already. "Potter! L/n! Shhh Im speaking!" Lockhart interrupted. He continued blabbing about the lesson and I turned back to Harry. "What was it?" I whispered. "Oh, um well I was wondering If you wanted to go to the Yule Ball with me?" he spat out quietly. I was taken aback clearly, shocked since I had no Idea Harry liked me. I felt kinda bad because I didn't feel the same and I didnt want to hurt his feelings. He could tell it was taking me a minute to think it over. Harry was just so sweet, too sweet, I didn't really like cheesy sweet boys, they are a little soft for my personality, which is why it was gonna be so hard to say no. "Look Harry, you're one of the nicest guys I have had in my life, but I just dont think its a good idea, im sorry, I'm positive you can find someone better to take, like Ginny maybe?" I said with a compassionate smile.

I could see his face soften and he frowned a bit, "Oh that's alright I totally understand, I just figured y'know neither of us had dates yet, but no worries." he said as he turned and focused back on Lockhart. I felt so guilty for doing that, he was such a good friend, but I just couldn't see us having a good time at the ball. I did the same and focused on Lockhart and we spent the rest of class in silence.

Once class ended I muttered small goodbyes to Harry and Ron and quickly sped out of the room not wanting to deal with the aftermath of that whole situation. "Hey Y/n" Draco said walking up to me like he did everyday, "Hey Draco, ready for the potions test?" I said as we walked to the dungeons. "Mm yeah I guess I mean I've been ready haha." he said with a cocky smile. I rolled my eyes, "How was DADA? Hope you didn't hex Lockhart again." He said laughing. "It was fine, and fuck off," I said playfully pushing him"Something strange did happen though," I said looking down at my books, "Harry asked me to the Yule Ball.." I said looking at him. "What?! Potter? What a joke!" he said scoffing "I hope you didn't say yes!" he added. "No I didn't, he's too sweet and I just don't feel that way about him, but I feel really bad about it. He looked upset." I said looking back down. "Oh I'm sure he'll be just fine, plus you need a man to take you to the ball, certainly not Potter." he snarled, I elbowed him and gave him a look, "Hey be nice! He's still one of my friends you know." "Yeah yeah." he said mockingly, as we entered the potions classroom and took our seats in the front. Snape wasnt here yet so we all waited patiently. I got my supplies out and opened my book looking over the material one last time. The door flew open and Snape came walking in, his robes billowing behind him like usual. I felt a small smile creep to my face at the act, he always looked so stunning when he did that, so...powerful. I realized what I was doing and quickly looked back at my book and dropped the smile.

"Ok class, put your textbooks away and clear off your tables, I will now be handing out your tests, you'll have all of class to complete them, no more and no less. You will get your grades back tomorrow, come drop them on my desk when you are finished and return to your seat quietly." He spewed, the same speech he gave before every test, he began walking around the class handing out the tests and came to my table last, he handed one to Draco and then to me, I looked up at him as he handed it over and smiled saying thank you, he just nodded and looked to have given and very small smirk, as if to say "Good luck" I took a deep breath and began on the test. It was 100 questions which was no surprise since we have a 2 hour class period for potions. 40 minutes had gone by and I was on question 36, which wasn't very good, as Draco was on 49. I needed to pick up the pace if I wanted to finish in time. An hour and a half had now passed and several kids had already finished, I was feeling pretty good so far and was on question 70 something, feeling like I was losing my mind at all the words on the page. Before I knew it Draco was getting up and turning his in. I was almost done, only 5 questions left and 15 minutes left. When I finished there were only three kids still working on theirs, I looked up at Snape who was going over essays and he looked up at me. We made eye contact and I quickly looked back at my test, checking over all my answers. I let out a breath and cracked my knuckles as I stood and slowly walked up to Snape, "All done" I said nervously handing it to him, he looked up and took it from me, and his fingertips brushed mine very softly and quickly as he took it from me, and as soon as he did, out of fear and embarrassment, I snatched my hand away and smiled awkwardly, walking back to my table and putting my head down. I dozed off for the last 10 minutes of class, awakening to Draco shoving me telling me it was time to leave, I sat up and saw most of the class had left.

I grabbed my stuff and we went for the door, "Actually, Ms. L/n may I speak to you." I froze scared it was about the hand thing, or maybe the Dumbledore thing this morning. I shooed off Draco saying I'd catch up and walked over to stand next to Snape's desk. He stood up and I followed him with my eyes, keeping eye contact to get any sense of what this was about. "I went ahead and decided to grade your test as soon as you turned it in." He said in his usual tone, not giving me any clue as to what I got. Making the suspense and tension build more. "Oh gosh. It's bad isn't it? I failed, didn't i? Oh merlin Professor im so sor-" I began to ramble when he didn't speak but he cut me off, "Y/n calm down." He said and I could feel a slight blush at the use of my first name. He handed me my test and I kept my eyes on his not looking down at it yet. "Wooo ok I can do this" I said giggling a bit, I looked down and my eyes went wide. Written in red ink and circled at the top was a 92. A fucking. 92. I looked back up at him and my jaw dropped. "OH MY GOSH I DID IT!" I practically screamed, jumping up and hugging the paper. "I can't believe I passed and with a 92 this is the happiest moment of my life!" I said smiling up at him.

In fit of adrenaline and serotonin overdose I threw my arms around him and hugged him. He went stiff and I realized what I was doing and quickly threw myself off. "Oh my I'm so sorry Sir, that was so inappropriate, I was just so happy" I said blushing hard and feeling a very strong nervous tingle, which it was I decided to call them, and looked up at him. "It's quite alright Y/n, I'm very proud of you, you worked hard and it paid off, good job." He said with a very small, but visible smile. I smiled big back at him and gestured to him, "I got you to smile too! This is amazing!" I said giggling. "Alright alright enjoy it while it lasted because that's the first and last time you'll see it." he said back in his normal tone and sat back down in his chair. We went silent for a moment as I just stared at my test. "I'm gonna frame this" I joked to which he just looked up at me and smirked a bit. "I cant thank you enough Professor, If you hadn't helped me and stayed up all night tutoring me, I would have been seeing another 50" I said with a calmer and genuine tone. "Of course, Ms-...Y/n, Im proud." he said and I put my head down to hide the blush, I felt rush to my cheeks at the sound of him saying my name, this was getting out of hand. "Ok well, I will see you in tutoring tomorrow. Goodbye Severus." I said with a sarcastic grin and walking out of the class before he could scold me for the use of his first name.

I walked out of the school to the yard and sat in front of the tree that overlooked the lake. I closed my eyes and took in the fresh air listening to the quiet sound of the lake's water. I looked down at my test paper and smiled, he told me good job and I felt so proud to have pleased him, thinking of the potions professor and how he was such a different man to me now than he was when we first met, he was still his normal self 90% of the time, but he would let the kindness shine through every now and again when I would talk with him. I can't believe I hugged him, I thought. He felt warm for such a cold man, and he smelt nice, like parchment and firewhiskey. That smell would forever be burned in my head. And he smiled and it lit up my dark world for that fraction of a second. Looking in his dark eyes as he was truly proud of me, made my heart beat faster, he was so...beautiful to me, despite what others thought of him, he was an amazing man. I felt the nervous tingle again, only this one lingered on. I leaned my head back on the tree and felt a single tear slid down my face. I let out a breath and opened my eyes wiping it away quickly, and grew scared for a moment. I wasn't sure if it was a tear of joy, or a tear or worry, for I had just begun to realize, the nervous tingle I felt around him was butterflies, the ones Hermione had told me about, and the feelings I had, were for my Potions Professor.

#snape x reader #snape imagine #severusnape #professor snape #snape #severus snape #severusimagine #severus x reader #severus snape x reader #hogwarts #slytherin #Snape slowburn

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writing-without-time · 4 years

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if you can't handle a heart like mine

don't waste your time with me.

read it on ao3

this is peak canon divergence me complaining about minor in game things but make it fluff while i did it

More often than not, Bonnie found herself at the heart of Slumbering Weald.

A beautiful area that was so quiet, so serene, so perfect to just sort out your thoughts. A lot of the time, Bonnie had ran into Hop sitting by the water, contemplating random problems. But today she was alone, as she sat on top of the tombstone belonging to heros. She had come here to think. Not really to solve a problem, no, there's no solving her issue, just to think about it. Calm down, maybe. She breathed deep as she clung her cape close briefly, before letting it drop on the ground behind her. Hopefully Zacian wouldn't mind.

Bonnie was stuck thinking about her adventure. What lead her to now. Not just the adventure itself, and for once, not about Hop, and the shared nights, and camping together under the wild area night sky, and battling together and against each other... She shook the thought from her head. Not the problem right now. She figured she'd have a fucking relationship crisis, 'oh no, i like my childhood best friend!' bullshit later. What bothered her was a common occurrence that also stood out beyond everything. It was this habit her friends way older than her had.

It happened alot. She could recall a few select times: Outside of Spikemuth, when the dynamaxing started happening, when Hop and her had found Lee and Chairman Rose at the top of Rose Tower, and a few other instances that passed through her mind. She was told the same thing, every single time: "Don't worry, let the adults handle this."

She hated it.

She didn't like to admit it, but Bonnie grew up young. She had to. And so it got under her skin, and in a more "adult" term, pissed her the fuck off, every time. She knew there was no hard feelings behind the statement, she and Hop were only sixteen. She supposed some people would still consider that young. She pondered though, how much bullshit would we have avoided if we just let Bonnie and Hop help out for like, 10 fucking seconds? Probably a lot.

When she had left Rose Tower, she had knew, oh she was aware that Chairman Rose would entirely fuck up her match with Lee, but she hadn't told anyone. But look who was right? It was her. She always knew something was wrong, and that Leon and Sonia and all the others couldn't handle it without Hop and her- as conceited as it sounds- but she would be dismissed because she was a kid.

She supposed, in theory, it was nothing to seethe in rage over. One, it was all over now, and two, she had long proved she is more than just a kid. Hell, she's the fucking champion! But it still got under her skin, bothered her. It made the depths of her soul question: Was she ever good enough? Did she still have to prove herself? Is she still just a silly little kid? She sighed, frustrated as ever as she looked to the setting sun and began to hum. Humming and singing helped clear her mind, as she began to sing a song where she couldn't remember where it came from, hands running through her hair as she tried to relax herself.

"..and cut a rug with orphaned girls, now memories are blurred, and their faces are blurred, but I still know the words to this song-" She sings softly, sounding awfully louder than she was in the quiet area.

"I haven't heard you sing in a long time." Hop laughs, causing Bonnie to literally shriek as she falls backwards off the tomb she sat on, only to be caught as she falls back into Hop's chest. "Woah! It's just me." He laughs, shit eating grin on his face as Bonnie looks up at him.

"You're an asshole.." Bonnie mutters, ignoring the small smile that graced her own face while she stood up.

"What a role reversal." Hop laughs, ignoring the comment as he looks at Bonnie with his hands folded behind his head. "Aren't you usually the one running into me?"

Bonnie rolls her eyes. "Not my fault you're late to your scheduled therapy appointment." She snickers, which causes Hop to laugh as well.

"Well, what has you out here?" Hop asks, picking up Bonnie's cape and throwing it around his own shoulders, something he jokingly did often. Bonnie liked it. He sits down where the cape once sat and invites her to join him.

"Just.. frustrated about stupid things." Bonnie sighs. "You?"

He shrugs. "Stressed, a bit." He laughs nervously. "Being a professor is hard. But I'm not giving up!" Hop smiles confidently.

"That's the spirit." Bonnie smiles, messing with his dark purple hair, causing him to swat her hand away, and she laughs as he fixes his hair.

"What's got you frustrated?" Hop asks as their laughter dies down, turning to Bonnie with a more serious tone.

Bonnie sighs. "Something about our..adventure, I guess."

"It's not something I did, is it?" Hop looks worried.

"No, no no, not at all!" Bonnie rushes to clarify. "Quite the opposite, actually.. I just.." Bonnie runs a hand through her hair, effectively messing it up and making it look like shit. "Do you remember, how every time we tried to help Lee and Sonia with things, we were told to 'let the adults handle it'?"

"What do you mean?" Hop asks, tilting his head slightly in an adorable way.

Bonnie thinks of the most easy to remember instance. "Back in the Rose Tower, when we found Lee talking to Chairman Rose." She lists, careful to not bring up their shared kiss, Arceus forbid she decides to have a crisis about that. "When we left with Lee, he just told us not to worry about what we heard. And...well, that went great." She rolls her eyes.

"I.. suppose you're right.."Hop says, seeming to recall the moment Rose had made a bitter remark- 'there are times when adults just cant seem to have an honest discussion with each other. sometimes our pride gets in the way.'

"It just- it's been bothering me. So much shit could've been avoided if someone just listened to us. It felt like we had to run 20 miles and more just to prove we're not just little kids." Bonnie sighs, letting her head roll back and hit the concrete behind her.

"Yeah, I suppose." Hop says, turning to Bonnie. "But that's part of the glory of it. We went from just random kids from a farmer town, and look at us now! Heck, you're the champion!" Hop cheers, only bringing a small smile to Bonnie's face.

"And what about you?" She asks. She had a solid answer to that one. He was her entire world. But she wanted to see his answer.

Hop hesitates. "I-I'm.." He breathes in. "I'm gonna be the best damn professor in all of Galar." He grins confidently.

"Hell yeah." Bon smiles, letting her head rest on Hop's shoulder as she observes the sun has already gone all the way down, and they were now greeted by the stars.

"You're the best champion in all of Galar, Bre." Hop says, quietly. Bon halts. Bre was her real name. She didn't use it much anymore. Not after she moved out of Kalos. Hop was the only one who knew her real name, and he didn't use it a lot. She didn't trust a lot of people to know her real name, cause what was the point? It didn't mean anything good to her. But it meant something good, that through everything, even when her name poured out of his lips, she wouldn't flinch, just for once, and it wouldn't be a reminder of her horrible story.

"..Thank you, Hop.." She sighs, letting her head rest again. Hop lets his own head rest on top of hers, and they're warm and quiet as they watch the sky turn. It's a comfortable silence until Hop breaks it.

"Bon." He calls.

"Yes, Hop?" She asks, quietly.

He hesitates for a couple beats, his face turning as red as it can. "Do you.. you.. I-" He struggles.

"Take your time." Bon laughs softly. He rolls his eyes as he and Bon both pick up their heads to look at each other.

He waits a few more seconds, and she nearly see the gears turning in his head. "You.. Do you know I.. I love you..?" He asks, almost afraid of the answer.

Bon hesitates before nodding her head. Hop holds his breath, waiting for another response. "You should know I love you too, you dense playboy." She grins cheekily, sticking her tongue out briefly. Hop lets go of his breath, if only to laugh before pouting at the nickname. The laughter dies down as their eyes meet and stay there, Hop slowly letting one of his hands cup Bon's cheek. She leans into the touch, seemingly holding her breath as she does, and the two inch closer. And it's a painful amount of time before their lips finally meet, a soft and sweet kiss, leaving the taste of each other on the other's tongue. They pull away slowly, wishing they could stay like that for an eternity, before they let go of each other, and continuing to huddle close against the stone, watching the sky as Bonnie drifted off, and Hop didn't seem to mind.

"Hey, Bon?" Hop asks, again.

"Mh?" She hums, too tired to even open her eyes anymore.

"I like your singing.. you should do it more.." He blushes as he trails off, getting even quieter. She nods, and it's a few beats of silence before she starts humming. Bonnie hadn't sang to hop in a long time, not since they were camping together in the wild area. She had sang to him because as childish as it sounded, he had a nightmare about hurting someone he loved, and it freaked him out, and her singing helped him fall back asleep.

As they both drift off holding each other close, they found comfort in the other, and knew that this was where they would feel okay, and where they could always go for comfort. Into each other's arms.

#pokemon swsh #swsh hop #pokemon #self insert #minor vent #fluff #pokemon trainer oc #pokemon swsh oc #*laughs in too nervous to post this*#*so im procrastinating in the tags*

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levelfivegay · 7 years

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You didn't reblog it but you've got to do the questions now it's only fair you demon

i hate u and also myself

1. Would you have sex with the last person you text messaged? as of rn the last person i texted was my grandma so n o

2. You talked to an ex today, correct? strangely enough no but we normally talk everyday

3. Have you taken someones virginity? nice one

4. Is trust a big issue for you? if we’re being honest idk if “big” covers it

5. Did you hang out with the person you like recently? i dont really like anyone rn? so no

6. What are you excited for? death

7. What happened tonight? well tonight is my mom’d birthday dinner, so theres that i guess?

8. Do you think it’s disgusting when girls get really wasted? no? i mean to an extent its gross when anyone gets really really wasted but

9. Is confidence cute? dude hell fuckin yeah

10. What is the last beverage you had? some crisp ass water

11. How many people of the opposite sex do you fully trust? like 1 (one) person but even then its iffy

12. Do you own a pair of skinny jeans? all i own is skinny jeans. literally nothing besides skinny jeans and sweat pants.

13. What are you gonna do Saturday night? today is saturday so tonight im gonna eat mexican food and cake and probably have a crisis.

14. What are you going to spend money on next? ideally, class specific D&D character sheets

15. Are you going out with the last person you kissed? i aint ever kissed someone so no, me and the void arent currently an item

16. Do you think you’ll change in the next 3 months? yea probably

17. Who do you feel most comfortable talking to about anything? im never comfortable talking to anyone about anything serious. literally never. but my #squad (kayla, brittany^2, anna, this u) is the best.

18. The last time you felt broken? literally always

19. Have you had sex today? good one

20. Are you starting to realize anything? at this very moment im realizing how much i regret speaking to you literally ever

21. Are you in a good mood? relatively, yes

22. Would you ever want to swim with sharks? yes! either in a controlled environment to have fun or in the ocean to die

23. Are your eyes the same color as your dad’s? yes. greeny eyes.

24. What do you want right this second? death, but also like a refill on my water

25. What would you say if the person you love/like kissed another girl/boy? i support the void kissing any person they like

26. Is your current hair color your natural hair color? yeah, ive never dyed my hair before

27. Would you be able to date someone who doesn’t make you laugh? ffff.... nah i dont think so. laughter/humor is a fundamental part of my life.

28. What was the last thing that made you laugh? watching u suffer and answer all these questions but also specifically “i dont sing. I perform.”

29. Do you really, truly miss someone right now? does my will to live count?

30. Does everyone deserve a second chance? this really depends on the mistake

31. Honestly, do you hate the last boy you were talking to? yes, joe

32. Does the person you have feelings for right now, know you do? i’ve professed my love to the void so yes.

33. Are you one of those people who never drinks soda? kinda wish i was, but im always a slut for root beer

34. Listening to? that playlist of songs white people always get turnt to

35. Do you ever write in pencil anymore? im in high school m8 yeah

36. Do you know where the last person you kissed is? yes, the void

37. Do you believe in love at first sight? no

38. Who did you last call? kayla. forever ago. i dont call people.

39. Who was the last person you danced with? *chad voice* i dont dance (i white dad dance at random intervals but i dont think i’ve ever actually danced with someone)

40. Why did you kiss the last person you kissed? the void is irresistible (why are there so many questions about kissing this is embarrassing)

41. When was the last time you ate a cupcake? too long ago

42. Did you hug/kiss one of your parents today? ahhahha no

43. Ever embarrass yourself in front of a crush? im literally always embarassed and the void is always watching

44. Do you tan in the nude? no, i tan when i swim

45. If you could, would you take back your last kiss? i cant have -1 kisses

46. Did you talk to someone until you fell asleep last night? nah

47. Who was the last person to call you? my mom

48. Do you sing in the shower? yeah

49. Do you dance in the car? im never in the car alone so like.. no

50. Ever used a bow and arrow? nah i fucking wish tho

51. Last time you got a portrait taken by a photographer? fffff september? for senior pictures

52. Do you think musicals are cheesy? sometimes they are but i love em

53. Is Christmas stressful? dude yes

54. Ever eat a pierogi? cant get enough i love them

55. Favorite type of fruit pie? peach and cherry

56. Occupations you wanted to be when you were a kid? strangely enough, an archaeologist still. indiana jones had a big impact on me as you can see

57. Do you believe in ghosts? ehhhh no. maybe one day.

58. Ever have a Deja-vu feeling? all the time

59. Take a vitamin daily? i should but alas

60. Wear slippers? only at the cabin

61. Wear a bath robe? nope

62. What do you wear to bed? the same shirt i wore during the day and sweatpants

63. First concert? never been to one

64. Wal-Mart, Target or Kmart? target

65. Nike or Adidas? neither

66. Cheetos Or Fritos? cheetos

67. Peanuts or Sunflower seeds? peanuts during winter, sunflower seeds in summer68. Favorite Taylor Swift song? dont really listen to her and i cant name one i really like off the top of my head69. Ever take dance lessons? mandatory ones for school70. Is there a profession you picture your future spouse doing? maybe theyll b a professor too and it’ll be like some bad fanfiction71. Can you curl your tongue? i can only make one sad taco72. Ever won a spelling bee? nope

73. Have you ever cried because you were so happy? yeah.74. What is your favorite book? what the fuck kinda question is this75. Do you study better with or without music? with, but it has to be classical music or movie soundtracks76. Regularly burn incense? no77. Ever been in love? im 17 wtf no78. Who would you like to see in concert? my chemical romance rip79. What was the last concert you saw? never been to one80. Hot tea or cold tea? no tea81. Tea or coffee? i dont like either really82. Favorite type of cookie? them real soft sugar cookies with icing u kno the ones83. Can you swim well? yeah i was on swim team for 2 years. Still my favorite sport.84. Can you hold your breath without holding your nose? kinda have to

85. Are you patient? depends on the thing, but mostly yes

86. DJ or band, at a wedding? DJ, i dont want the band to have to learn the shrek soundtrack87. Ever won a contest? im too much of a loser88. Ever have plastic surgery? nope, never want to either. unless i can fix my stupid fucking fingers with it.89. Which are better black or green olives? you cant just ask a question like this i love them both90. Opinions on sex before marriage? you do u but b safe 91. Best room for a fireplace? living room92. Do you want to get married? i mean, eventually probably? if i meet someone i’d like to spend the rest of my life with. but it’d have to be a long ass time after we’ve been dating? cuz i wouldnt want to get divorced. I wanna know theyre the one u feel?

anyways fuck u @obijoekenobi

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blogdangerousobjectcollecto-blog · 6 years

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"Erie Pennsylvania Cheap car insurance quotes zip 16511

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1. What is the difference between a term insurance and whole life insurance policy? Which policy is suitable for what kind of people? 2. What are the exclusions for term insurance policies i.e. death because of some reasons (for e.g. suicide) that does not entitle for insured amount? What are other such reasons? 3. Does term insurance cover accidental death, death because of terrorist strike or natural calamities?""

""Why do libs think health care is a right? What next, car insurance? How about free food for everyone?""

Life, Liberty and the Pursuit of 'Free' Health Care Every new 'right' the U.S. government has promised has turned into a massively expensive failure, yet the media continue to cheer supporters of tax-funded programs. Americans are obsessed with rights. We always have been. But the concept of rights our forefathers laid out in the Declaration of Independence has changed dramatically. Those rights life, liberty and the pursuit of happiness were acknowledged to come from the Almighty, given equally to all people. Todays rights come from Almighty Government. Health care is the newest right. From presidential candidates universal plans to the return of HillaryCare to Michael Moores movie Sicko, its all over the media. Calling it a right is an emotional argument advanced by those who want others to pay for their health care. They bring out the children and ask whether anyone can deny them the basic human right of health care but dont bother with the evidence showing how health care in this country would be harmed by government control. A look at other modern rights might give us a clue about how well a new system would work. These rights started out as privileges, among them education and a paid retirement. Now education is not only considered a right, its a mandate. How well has it worked? American students attend school at least until their teen years, but 15-year-olds ranked 24th out of 29 countries in aptitude for real-life math problems, according to The Washington Post. Literacy surveys suggest one in five American adults is functionally illiterate. And taxpayers keep shelling out money to fund the system. Americans also cherish the right to retire but we expect to be supported in our old age. Younger workers and employers are forced to support retirees, funding another right. And how well has that worked? The poorly designed, outdated Social Security system is disintegrating rapidly as the number of retirees balloons. But once youve established a right, its difficult to take it away. The government, which promises such rights, must go to its sugar daddy taxpayers to keep the rights coming. Were already well on our way toward the health care right/mandate. Want to be more like Canada? Its not that far off. Catos Michael Cannon has pointed out that third parties in America pay 86 cents of every dollar of our health care about the same as Canadas socialized system. What we or rather, those third parties pay for health care is already determined by the government as well. Emory University medical professor Robert Swerlick has noted that the pricing of medical care in this country is either directly or indirectly dictated by Medicare. This market meddling even causes doctor shortages, he says, in needed areas of specialty. Prescription drugs are already considered a right, thanks to political moves like the Medicare drug benefit and massive media support. A Business & Media Institute study found broadcast journalists treating prescription drugs as though they grew on trees. Overall, the coverage supported the idea that medications should magically be available to everyone at far lower costs. Of course, the magic behind new rights is your money. Cannon and fellow Cato expert Michael Tanner explained problems with tax-funded care in their book Healthy Competition: Whats Holding Back Health Care and How to Free It. If health care is guaranteed to everyone, how much does everyone get? Who decides who receives what, and how would the care be administered? What happens if everyone wants the most expensive treatment available? With the wide variety of medical tests and treatments that consumers may claim as their right, someone at some point must decide where the right to health care ends, lest the nation be bankrupted, they wrote. Were well on our way toward that as well. Our rights to Social Security and Medicare devour about 40 percent of the federal budget. State and local property tax revenue, which normally funds education, mushroomed about 35 percent between 2000 and 2005, according to the Tax Foundation. We cant afford any more rights like that. But the left says tax-funded care is right for the children. Meanwhile, what becomes of them? Theyre growing up in an America where the rights mentality is deeply ingrained, and the media continue to feed them with it. When the children come of age, perhaps theyll want the right to a job. They wont remember that France already tested that idea for us, and it led to high unemployment and rioting. Perhaps theyll guarantee Disney vacations for all families and force childless Americans to pay for it. The pursuit of will conveniently fade away as they look to government to guarantee happiness. They will know less and less of a true right liberty and have no idea where it comes from.""

How do I get Insurance before I even buy a car?!?

I'm looking to buy my first car and one of the things the dealership asks from you is proof of insurance. How am I supposed to have car insurance if I don't have a car yet? Secondly, after buying the car am I supposed to drive it home without insurance, registration, etc?""

Which is the cheapest 50cc moped to insure?

Looking at getting a 50cc moped to get to work and back at the lowest price possible. im 20 and still getting high insurance quotes. i was originally looking at the Honda CBR 125 but the insurance was 2000.

What will my insurance do?

So the other day a car slammed on their brakes and I hit their bumper. It was a Mercury Sable.Not sure the year right now...prob 98-02. It was a young girl and her 4 friends. They were obviously under the influence of weed. They of course did not want to call the cops. I said ok because I did not want a ticket or my ins rates to go up. We exchanged names and numbers. She called and my husband and I arranged that we would pay for half of the damages. Today she called and said her estimate was $870!! I only cracked her bumper...what should I do? Can I still file a police report? What will my insurance do if I go through them now?Thanks!!

Is my insurance going to go up?

I was in an accident, and I was the only car involved. The cop didnt give me a ticket and we are not going to claim it to allstate. I want to know if my insurance is going to get jacked up.""

How much is motorcycle insurance per month on average?

The kicker: I'm only 18 and will be on my own policy, not my parents. I am at the top of my class, no tickets or anything, etc. (if any of that helps).""

Car insurance for teens?

Can a teenager have thier own car insurance and if so what companies let them im in delaware. And which is the best all answers welcome

Is it wrong to TTC without having medical insurance?

We've been married for more than 3 years now, I'm 27, we just bought a house and we both have decent jobs, we feel we're ready and is a good time in our lives (even though there's never a perfect time). The insurance issue is been stopping me from before, but I don't get it from my job and is very expensive to get it through his. Everyone says I automatically get medicaid, we don't make great money but we're not poor either, do we qualify? is it irresponsible from us to start without it? Also I'm a permanent resident, husband's american...I do pay taxes!""

Car insurance online?

can i sign up for car insurance online and drive the same day

""I want to get insurance for 10 acres of vacant land in Scottsdale, Arizona. Where can I get a quote?""

I want to get insurance for 10 acres of vacant land in Scottsdale, Arizona. Where can I get a quote?""

""What is a sporty, efficient, nice looking, affordable small car?""

My fiance has been looking at cars to buy. We plan to buy used and pay cash with about a $7,000 price range. First she liked the Pontiac G6 but we read tons of terrible reviews and decided against it. Aswell as the G5. She says she wants a sporty yet classy car. She likes the Cobalt alot. I have read mixed reviews about it and also questioned fuel mileage and insurance costs. Please help! She is getting discouraged and I really want to make her happy in looking for another car. I know theres one out there somewhere...""

Changing insurance from car to van?

I have a multicar policy with admiral at the moment. I have bought a vw van to drive for pleasure, not for work. I am selling one of my cars in the policy and am replacing it with the van. The car insurance runs out in december. What will I do? Will I have to pay more and not get any money back. You can't have vans in the multicar policy!""

""Car insurance, can't find answer anywhere and insurance companies not helping?""

Hi, Basically the car i currently have is costing me a lot of money and my insurance didn't go down as much as id hoped. Anyways I took out an insurance policy because it wasn't convenient to sell it when my old agreement expired, I'm paying monthly around 70. I'm looking to sell my car next month and buy a new car (something a lot cheaper!). The question is since i'm paying monthly for my insurance will that go down depending on the value of the insurance? I find this confusing because there are so many hidden charges. many thanks!""

My insurance is running out?

I am 19 years old and my insurance is running out in two days because i have a job and are not going to school. I have a pretty bad medical history of anxiety problems and low immune system. When i was younger i was in the hospital every year for something like phneumonia or stomach virus of strep throat. I have agoraphobia pretty bad. It is very hard for me to go to wal mart and i cant travel out of town because my anxiety kicks in. Now my insurance is going out and i don't know what to do. Its driving me crazy. Any suggestions to a way of getting medical care for cheap without all the thousands of dollars in bills would be greatly appreciated.Thank everyone so much for answers:)

Low cost liability car insurance in Conroe tx?

What are some places, How many people do you have on your liability insurance and how much do you pay and who do you have? I have two people and atm using AIG. they are going to up my bill over 65 a month. Wondering if anyone else is getting better?""

Is there anywhere to get free or affordable health insurance?

What insurance company should I use if I am 18?

I don't go to school but I am starting college in the Fall. What is a relatively reliable but cheap auto insurance company that I can use?

Does one have to report fixing a car to insurance?

So let's say that an underage and uninsured driver hits my car in a parking lot. Not totaled or anything, but a large dent and a scratched. I know the child in the car, and his Dad tells me that he could just pay it for the damages out of pocket. If I get an estimate and get the car fixed with the fathers money, do I have to report it to the insurance? Am I allowed to just go to a body shop and get the doors fixed, and that is the end of that? Will I be in any legal trouble if I do it? Thanks.""

What is general insurance?

i want to know abt general insurance.

Going on my dads car insurance...question?

My dad has Triple A auto insurance ..I do not live with him I am on my own in my own house, I never ask my family for help. But right now my tabs are expired and since I am only 20 I cannot afford auto insurance..they want me to put 300 down just for no fault and I think its ridiculous, Right now I dont have 300 dollars either so I asked my dad if he could help me out temporarily and put me on his car insurance ..i have a 98 cavalier so it shouldnt be that bad. its been 2 weeks and he keeps saying hes talking to the agent after tomorrow I can no longer drive my car because my tabs say march and april is comming up, I told him I would pay whatever costs to add me on it and whatever he needed a month. I was just wondering if they charge extra to add me on his insurance and my car or is he just making it up because I dont think It should take that long...like I said I am living on my own have never lived with my dad because he was in jail for a long time, moved out when i was 18 and can't get help from my mom or him,,I cant even ask to borrow money from them yet I can loan my dad 200 dollars. Feel like its so wrong, I think im doing pretty good being 20 years old working full time owning a house my own car that I bought myself and going to school...and Im having my first child.""

Best health care insurance for 25 year old?

I just got off parent's insurance because it's only until I'm 25. I can't use my job's since I work part time, because I'm trying to finish college. I hardly get sick and see the doctor, but I know things happen. (Like whenever I got appendicitis not that long ago) What's the best affordable one's out there for me?""

Erie Pennsylvania Cheap car insurance quotes zip 16511

Can you recommend a cheap insurance company?

I'm seventeen and currently learning to drive. (I'll hopefully be getting a Peugeot 206 or Renault Clio etc) Can anyone recommend somewhere that has CHEAP car insurance? Most places are quoting me 2000!!!! AHHHH On a price comparison site the cheapest quote was from Quinn Direct (700-800). Is this a good company or can you suggest other companys. (PS I live in N Ireland so local places please) Thanks in advance for answering :)

Where can a first time driver buy affordable car insurance?

My family does not want to put me under their policy. I am 17 and will be getting my licence this Friday. I make minimum wage ($7.25 and hour) I will be driving my mother's car. Is there any insurance I can afford on my own?

What kind of insurance would i get for a honda cbr 600 (im 16)?

im moving out to california after highschool to pursue the music industry so i figured it might pay for itself in gas money, but then i started to think about insurance...""

What is the typical cost of condo insurance in new jersey?

No insurance for high school sport?

What happens if you don't have health insurance and you wanna try out for a team? Will they disqualify you from even making the team because of it?

Driving school and car insurance?

does going to driver's ed help you get better or cheaper car insurance?

Looking for cheap & crappy life insurance.?

I am looking for sources of *REALLY* cheap life insurance. I have to have life insurance for the next six years (declining each year), while I pay off a structured legal settlement. I don't care about financial stability of the company or a history of hassling the beneficiaries to collect. I don't care about guaranteed renewability, as if I'm not insurable, I don't have to buy the insurance. All I care about is price and that the policy comes with an official receipt that will satisfy their lawyers. Websites such as INSweb typically only offer 5-year term or longer, and I want cheaper than that.""

My daughters car insurance has more than doubled because she got 9 penalty points in the last year. she wants ?

me to get insurance on her car and then get her put on that insurance. if she gets more points while she is under my insurance would that affect the price of the insurance on my own cars or would only if she caused an accident make my insurance go up. i could get a years insurance on her car for less than the price of 1 monthly installment she would have to pay for her own insurance. what do you think. if she gets 3 more points she will be disqualified from driving . if that happened while she was on my insurance would that put my insurance prices up even though she would be off my insurance if she did get disqualified. what i have wrote might not make sense. i want to know if i do this for her and she gets disqualified while being on my insurance would that put my insurance prices up for all my cars or what or would it only effect my insurance if she causes an accident. while shes on my insurance. * 41 minutes ago * - 3 days left to answer. Additional Details 40 minutes ago we live in the UK. sorry this is very long i found it hard to write what i was really trying to ask. 33 minutes ago i know if she causes an accident while she is on my insurance ot would effect how much my insurance costs but if she was to get disqualified while she is on my insurance would that effect me inurances oin anyway. if she gets disqualified then she wont be on my insurance anymore. 14 minutes ago only 3 of her penalty points are for speeding. she told me the other 6 points are because there was a mix up with her insurance last time and she was uninured for 4 days and was caught by the police. she got 6 points for that in court a few months ago. she said she that she had phoned them and accepted the policy they sent her to renew it and thought it would continue automatically but she hadnt been to the office to sign for it so she got caught for that. she was only uninsured for 4 days because of her mistake that time. sorry if you already answerd this but i put it on US yahoo answers by a mistake and it didnt show up in UK yahoo answers so i needed answers from people who knows about car insurance in the UK

Are there life insurance policies for seniour citizens?

""How can i insurance my car, for only 3 months?

im finishing my college... i bought a car in us... for the year i was here... bour my car insurance expire.. like 2 months before i finish... and im not gonna buy other 6 months of insurance... cause i will be using it only 2 months more... WHAT I CAN DO!!

Car insurance what would you do ?

OK so i was hit from behind the insurance company are going to write the car off and give me 830 i paid 950 for the car its nothing special just a cheap first car with low mileage. The insurance company said they won't recover the car and i can do with it what i will. The damage is fixable I'm thinking 150 -200 of damage just wondered what everybody would do ? Would you just scrap the car and cut your losses, take the money and fix the car or take the money use some of it to fix the car then sell the car ?""

How much roughly would moped insurance cost for a 16 year old in the UK?

i am thinking of getting a moped when i am 16 , i am going to get a 50cc 2 stroke supermoto of some kind. was just wondering how much insurance and tax would cost per year? please can someone help me out""

Unemployment Insurance Florida Notice of Determination . Denied?

I got a Notice of Determination in the mail from Florida Unemployment Compensation. Section 2 states: Benefits are payable because: The discharge was for reason other than misconduct. Section 3 states: The employer is not chargeable since the employment was in the base period. The last job I had I only had for 3 weeks. The job I had before that, I had for three years. Before the Notice of Determination I received Wage Transcript and Determination It says I am eligible and states my weekly benefit amount and when my benefit year begins and ends. My next to last employer is in the base period. I have already received on check for one week. and I am scheduled to claim my weeks for this coming Monday. I went to the Florida Unemployment website and went to the link and put in my info for info about my claim and it says nothing about me being denied. If my last employer is not chargeable and not in my base period, does that mean my next to last previous employer is chargeable, since they are in my base period? I have received no explicit letter saying i am denied. My bottom line question is: does the Notice of Determination by saying that my last employer is not chargeable mean that my unemployment claim is denied?""

My insurance adjuster wont give me enough money for my car repair?

A guy hit my car and his insurance said my car is worth less that what it really is the damage for my car is worht $3000 but they will only give me $2200 for it also on the evaluation report they made they said my car was in a worser condition than it really is. What can I do to get what i deserve? i don't want to settle for less

What is the average rate of car insurance for 16 year old driver?

I am going to be 16 and i am just wondering how much will the insurance charge is i get added on right when i get my license?

Yamaha dt 125 insurance?

hi, i have been looking on ebay and i have found that i may want to buy a yamaha dt 125. i have been riding a speedfight 50 for a year and a half however i did buy a ajs 125 which by the way was a terable bike. i was wondering what the insurance usually costs for a dt 125, i have already changed my insurance once in the past 12 months to swap back from the ajs to my scooter (i blew the gear box) so that may effect it. thank you so much for any responce i get (PS sorry about the bad english, it all looks the same to me being dyslexic)""

Do I have to pay more for my 16 yr old to drive?

Do I have to pay for a different auto insurance policy (that costs alot more)here in Oregon to allow my 16 year old son to drive our vehicles? I was told by a former ins agent, this is a scam to get more in premiums, when it is not required by law.""

Best Apartment insurance?

Hey I need apartment insurance. What are the top five best apartment insurance places? Thank you!!

How to go about getting insurance for my husband?

He's 23 years old. Unemployed. HE needs insurance now, and can't be added to my insurance. For one, we'd have to wait until open enrollment in dec. and two, to be honest, it's too expensive to add him. im talking $300 each check. that's insane. I'm browsing the internet, but i am just so lost on where to look. I've heard of Medicaid, but don't know if he'd qualify, or can't find a website. Please. HELP!!!!!""

Car Insurance questions?

If my wife and I are separated, She took one of my cars...can I take her off my insurance policy so that she can insure herself?""

Why my insurance is expensive?

my dad will buy me new insurance. also he will get me new mazda3 hatchback. auto insurance agent sent us a message. i was suprised because my new insurance costs me 1,927.00 dollars for 6 months! it will be close to 4,000 for a year. and im 18 why?! i never had car accident, no tickets, and more! im good driver for 3 years and have good grade. and i live in orange. why?! tell me please. thank you! :)""

Do i have to get my car repaired with the insurance money?

bout a month ago someone backed into my parked car in the parking lot and actually let me know they did it. we exchanged info and i just had a rep. from his insurance come check out my car and give an estimate for repairs and a check with the amount. The damages to bumper are reallly nothing major and its old car, can run just the same as it used to before the damages. do i have to get it fixed or can i jus cash out this check and get a nice chuck of cash?""

Where can i find realy cheap car insurance for new drivers?

thier are places that have insurance for new drivers for like 100 or something like that. at the moment car insurance for me is 2000 and thats just a rip off i need cheaper options !

Ahhhh! car insurance?!?

Hello, I am a 18 year old freshmen in college. My College is approximately 20 minutes away. Since I was very very busy with my studies, I was unable to get a car permit / Driver License. Now that I am at spring break, I am planning to take my permit test, and start driving, so I dont have to ask my father to drop me off at chosen locations. Right now, I am earning $11 an hour. I get about $320 every two weeks. Now I have heard from my friends that Since I am 18 years old and my parents will not pay for my insurance, It will cost me about $300 for insurance every month, $100 for gas, and about $500 for required checking for cars. As you know, for a check of $320 every 2 weeks, I will not be able to pay for my car insurance and gas. Now heres the question. What should I do? I mean, I really need a car and I need to think of a good strategy. so that I will be able to pay for my car insurance. If you know any great, cheap insurance deals for someone my age, that'll be fantastic. Thank you.""

Which make of cars are cheap to insure?

I'm planning on getting a new car but which car manufacturers make cars that are cheap on insurance? It seems Honda is on the higher side, but I was looking at Mitsubishi and theirs seems pretty low, and Mitsu is the one I was going to go with to begin with. Any suggestions? Assume it's just a normal non-sports car.""

Erie Pennsylvania Cheap car insurance quotes zip 16511

Can I get money back if I cancel my car insurance?

I share a car with my mum but she doesn't allow me to use it, so I figure it would be best to cancel my insurance policy if I get some money back. I only need a car to get home from work on a Thursday night but I have asked my boss if I can do an earlier shift so I can get a bus. He is letting me know if I can do this by the end of next week but in the meantime I would just like to know if it's worth cancelling. The policy runs out in April, I live in the UK and I'm with Zurich if that helps.""

What are the charges if you have a suspended licence and no insurance?

well ok my boyfriend was driving with a suspended licence and no insurance..and one night he ran into a street poll..the police came and now he has a court date. i was wondering what are the charges, and could he end up in jail?""

Does car insurance need to match the titled owner of the vehicle?

I am borrowing a spare car from my mother for about six months. Do I need to go through the process of transferring the title to my name, or can I just put insurance on it under my own policy and be okay legally? BTW, I live in Texas.""

""Car insurance decreases, when? 26 yrs old?""

I started driving when I was 22 years old, and never had an accident. Right now, I'm 26. I pay $116/month for insurance, which I think is kinda high. The vehicle I drive is a 2006 Hyundai Eantra. Car insurance is: Erie Insurance http://www.erieinsurance.com/""

I'm 16 years old and looking for a cheap scooter(ped) or scrambler...how much is the insurance on them. :-)

how much about i know you can get a quote but you have to enter all your bikes infomation and i havent got a bike yet... if its to much money ill just save up for a car. i just need something to get back and forth to work

Which auto insurance company covers him this time?

My husband got sued in 2006 for a car accident he caused. His insurance at that time settled in court. He has since switched insurance company. Now he's being sued again by the same people. So, which insurance company covers him now? His old insurance company or his new one?""

Question about health insurance coverage?

I work for a municipal court, a city job. I asked if I could purchase a direct pay insurance plan on my own without participating in the one the city has. They said if I wanted to enroll in my husband's or SO's health plan, I could do so. However, I cannot purchase an individual plan(I am single). Something about a buyback of insurance from another corporation. I do not understand this. Can anyone enlighten me? Thanks in advance.""

Can anyone get affordable home insurance?

I live in an older home and it is the family home. I am a senior citizen and have always had homeowners insurance....until this year..seems it just got to expensive it was out of my reach. I would like to get some but has to b reasonable.My home at this time does need some little repairs which I will need to do...BUT will I b able to get insurance before the repairs are done..I realize I will have to pay for those myself..But want to try to get insurance for the future....Will they insure a home before the repairs are done? or Not? Thank u I live in Texas

Health Insurance for stay-at-home Mom & Baby?

I need to find affordable, but good, health insurance for my baby and myself. If my son and I go on my husbands insurance, I'd need a job just to pay for it because it's so expensive! I'm currently working but will be quitting a few months after our son is born. We've decided it would be best if I stayed home to raise our son. So, we need to find health insurance that wouldn't be sky high. Any suggestions? And thanks so much!!""

What is the best car to get low insurance?

i'm thinking of getting my first car. what is the a good car with low insurance rate?. and what are the best ways to make the insurance go less ?

""Cant B on husbands car insurance, he said no cuz dad is on it & he wasnt gonna stop lending his car 2 his fam.""

I would like to be on my husbands car insurance. He said no because his dad is on it and he was not gonna stop lending his car to his family. He would however open a separate account for me. I asked him to stop lending the car he said no, it was his car.""

Anybody ever heard of [email protected].. i received a quote for auto ins from this site .?

received a quote from lindsays general insurance agency..a really good deal.

What insurance companies will insure a dog in California with a prior bite history?

My two dogs were involved in a fight with another dog last year. All three dogs were bitten, and my homeowners' insurance paid out a claim. They have now sent a notice of non-renewal and I am having trouble finding an insurance company that will write a new policy. Does anyone have any suggestions for an insurance company or broker in California that can help? Thank you!""

Driving without a license and no insurance?

I recently got pulled over in GA im from PA for driving without a license and no insurance on my car and i was sent to jail and i bailed out and i go back to court in April and i was wondering if i should waste my time on actually getting an attorney and what exactly you think they'll do to me. And is there anything i can do to go in there and fix the problem like get my license or will it show up in the DMV that i went to jail for not having one? I figured if i could go get my license and my insurance figured out maybe the charges wouldn't be so harsh. Any ideas?

How much does it cost the average person to keep and maintain a CAR in a day?

including petrol, MOT, buying the car, insurance, washing, oil, air, tyres, extras eg booster, radio, or say how much money it would altogether cost a year then i can divide it :) THANK YOU xx by the way if you are wondering which car make well one that costs average""

Health insurance for visitor from india?

Where can I get health insurance for a parent who is undergoing dialysis in India and wants to Visit the USA for a short term. Of course they will need to continue there treatments here while visiting. But we need some kind of assistance while they are here.

Can i get Health New England Insurance in other states?

I'm thinking about moving to Virginia to be with my boyfriend once I graduate but i was wondering about my heath insurance... I have Health New England from my father, do they only provide it in New England... since it is called 'Health New England' or would i still be able to have it when i went to Virginia??""

What are homeowners insurance rates for mobile homes?

How long does it take for an auto insurance company to investigate and claim liability?

My daughter was in a car accident on Feb. 25. She was traveling straight in the southbound lane, when a rushing man in the northbound lane turned left in front of her. The driver admitted that he was upset because he had been following a school bus for the last 20 minutes and his friend, whom he was trying to pick up, was late for work. He stated that when he saw the driveway that he cut from behind the bus to turn in then realized from the skidding that he turned in front of a car. His insurance company is still investigating and waiting for pics of the scene and his friends statement. I was told by his insurance company (USAA) that witnesses not listed on the police report could not be used, but his friend is not on the police report and they are waiting for her statement. NC State Highway Patrol responded to the scene and the driver was cited for failure to yield the right of way. The driver was apologetic and admitted several times around a number of people that he must have blanked out or was daydreaming from the frustration of the school bus. USAA is saying that they need to make sure that my daughter was not 1% at fault, meaning speeding perhaps. The officer estimated her speed at impact at around 40 mph and the speed limit is 55mph. She hit the drivers back tire of his Jeep Wrangler (small truck) causing him to rest in a small trench or ditch ion the side of the attempted driveway. The front passenger side above the front tire and the front by the headlight is damaged on her car. She tried to avoid him, protect her younger sister (13) and avoid veering to much left in fear of hitting the school bus. My girls were terrified when I arrived 15 minutes after the accident. USAA stated that she may have had time to instanly stop, but she tried everything that she could do. In my opinion, she should have never been put into that situation. USAA is saying that points of contact are off, but my insurance agent said that she hit the back tire because a Jeep Wrangler is only 5 ft long and he was not towing a boat or driving a common sized vehicle. Plus the driver admitted to pushing down on the accelerator when he realized what was happening. I just need to have someones advice on this matter before hiring a lawyer. Thank you.""

How does my 2nd speeding ticket affect my insurance?

I recently got my 2nd speeding ticket. My first speeding ticket was about a yr ago, so I cant redo traffic school. If I am correct, this means I will get a point on my record. Is that point on my drivers record only? or does that point show up on my insurance too? So will it raise my insurance? and by how much? I have AAA and I live in California. Thanks""

On whos name should be the insurance?

need help with car insurance. the car is registerested on my girlfriend... and current insurance is on her name - but we both included ... now we want to change company... the only thing is that my girlfriend currently is not in country... can I buy insurance on my name with both included even if the car is registered on her name?

Car insurance for teens?

I am 17 turning 18 in like four months. I would really like to get a car but I need to see if I can afford it. If you could please list your car and how much you pay for insurance a month that would be really helpful.

""Why can't we have Geiko,State Farm, or Progressive auto insurance in the state of Ma?.?""

I always see t.v. commercials for them but at the bottom of the screen it says not available in Ma. and a few other states that I can't remember. If I could save money buy switching to one of those companies I would but I can't , so I have to pick from Commerce or Metropolitan. My car insurance is really expensive (I pay over $300 a month) I have only had my license for a couple years so I under stand the whole new driver thing and my car was new when I bought it so I have full coverage but the car is only a Kia Rio, far from a sports car or luxury car. I pay more for my insurance than for the car payments.""

How diabetics get affordable insurance w/ maternity coverage if your co. does not offer grp coverage?

My husband's company went to a high deductable health savings account. I can only get one company to insure me, on an indiv. policy. They are too expensive and that does not include maternity coverage. Due to other health issues, I am not able to work right now. Any ideas? HELP! Am I the only one going through this?""

Accept $140K insurance buyout from Ford or keep insurance policy?

Hi, I'm wondering whether anyone can help me decide whether it is a better idea to accept a $140K insurance buyout from Ford or keep health insurance. Assume the person in question is 50 years old and in good health. This is a timely question for many auto workers. Any links to more in-depth analysis would be great.""

Erie Pennsylvania Cheap car insurance quotes zip 16511

""How much does it cost to live on your own in Sacramento, CA?""

I need to move out when I turn 18 due to problems at home and with my family. How much would it cost, realistically, to live on my own in a studio apartment in sacramento, roseville, citrus heights, rocklin or the surrounding area? I mean the bare minimum cost, including car insurance, rent, food, medical insurance, etc. I would be paying for everything on my own. Thank you for the input!""

Car insurance for my daughter?

my 17 year old daughter wants to learn to drive in my car (citroen c3 2059plate) would anybody have an idea of how much it may cost me ! or does it pay to make her wait untill she has passed ? and any ideas on how much if she does pass.. ty .....

Should I buy earthquake insurance in california?

I've lived in the Bay Area for 20 years and never purchased earthquake insurance for my home. I heard rates were going down, and AAA quoted me a rate of nearly $1200 for earthquake coverage- there is 75,000 deductible, and they will cover up to $525,000 to rebuild. What is the consensus on this issue?""

Where can I get homeowners insurance with bad credit?

Cheapest car insurance for a teen in florida ?

Im currently 17 years old; Im getting my driver license next week. I have a 1995 Nissan Sentra and I wanted to know what would be the cheapest insurance in Florida. I was thinking of getting my PIP only, but my price ranges are 0-250 a month. I also have a 20 year brother who had his drivers license since he was 17 years old and I was thinking if I can out his name as the head of the car insurance and add me as a secondary driver but I dont if it will be cheaper ??? If you know of an insurance that provides more than a PIP for my price range please let me know ??? If the insurance will not be cheaper under my brothers name, !!""

How much would insurance for a 16 year old(male) driving a BMW 2006 650i be?

My parents have no accidents or tickets ect that they look at when you're getting a quote. I just bet them that I could get a quote for this car without them ^_^ I livee in washington 98037. Verryy Much appreciated if you could try and see how much the quote would be. Also, I have a 3.8GPA. (P.S. Don't Be A Stalker)""

An average how much is car insurence for teenagers?

i have been talking to my parents and they told me its time for me to pay for my own insurance,so i was like ok,but what is the average amount for car insurance?""

Why is it mandatory to buy car insurance?

I understand if it's on a leased car but why on 100% paid off private cars? Mortgage companies make borrowers buy home insurance as a condition to get the Liam but once the mortgage is paid off you're free to not insure your property. Why is it legal for insurance companies to force all car owners to buy coverage? It's not constitutional no different than forcing them to buy health insurance.

""I need health insurance and live in Southern CA- what is GREAT insurance? Aetna, Blue Cross, Kaiser, other?

I'm OK paying $200-250 a month. I just want to make sure I have access to great care without a big runaround. I think PPO sounds good b/c I've heard HMO's can jerk you around sometimes. I'm very athletic so I want to know that I can see a specialist right away if necessary. Any help would be greatly appreciated!

Why do wives have to be on husbands car insurance?

I have been under my parents car insurance for my whole driving life and now I am married. My husband is a new driver in the USA, and because we just bought a new car, we have to be ...show more""

Car Insurance?

My daughter is going to be 17 soon and is looking to buy a small car, ie corsa. Does anyone know the cheapest place to get car insurance for young drivers. She would prefer to have the insurance in her own name to build up no claims discount.""

Life Insurance Policy?

What will happen if you have a Life Insurance and decide to stop to pay it? Will you lose all the money that you already paid? Or they will give it back to you?

Getting insurance for my new born?

I'm was born here in California but my husband isn't. He's an immigrant but my question is that we just had a new born and I'm wondering would there be a problem getting my baby insurance. I'm asking since I know they'll ask for his income and since I don't work I have no choice but to put his. I can't say I'm a single mom either since we got married. Does any one have any advice on what I can or should do? Please no rude comments thank you.

Buy a car + insurance?

Hi i live in Toronto and i was looking to buy a car, the thing is i just recently moved to Canada and have no experience of this stuff, i didn't own an auto mobile back home. I also don't have that many reliable and truly trust able friends that i can turn to for help, and no relatives. So i turn to yahoo answers in my time of need. I need to know what the process of buy a car is and when and how do i get insurance on my car, I just turned 18 and would like my own car. And do you guys gave any suggestions for first cars? any tips? all help is appreciated.""

Moving to France - car insurance?

I am moving to France next week and will be taking my British registered car. I rang my insurers who told me that they would only insure me 'up to the ferry' and after that ...show more

What car insurance has the best deals with teen drivers?

I'm 18 and a good student. I want to use the car for school and college. I will probably be putting 10k miles a year. how much will my insurance be? what company has the best offers for this? thanks

Car insurance cheapest provider?

I'm under 25 and ive got a ford focus st,am paying 170 a month for insurance just wanted to know if anyone knew a cheaper company.im with elephant insurance""

How much would insurance on a gt mustang cost for a 17 yr old male?

Motorcycle Insurance?

My son has had his motorcycle in storage and has been paying insurance on it. He has had to pay for monthly insurance as if he had been driving it. Is this right?

Has anyone insured a 17yr old learner driver if so where?

Hi I want to insure my 17 yr old son 18 this year he is about to learn to drive on my car insurance, I rang my insurance they said they dont insure anyone under 25yrs it it due to run out in may so i will be going elsewhere any ideas where would insure someone of that age and how much did it cost many thanks""

How much will auto insurance be?

I am going to be getting my permit in a month and i already have a car. its a 94 plymouth acclaim 4 cyl and i was wondering how much insurance will be, I will be joining my moms insurance she has farmers.""

How much will motorcycle insurance cost?

I'm 16 I got a 97 Kawasaki ninja how much to I have to pay I have my own car insurance policy can I get it with the same company

Insurance for a 16 year old in California?

i was wondering how much insurance would be for me. I was looking for a 92 Camaro or a 98 Camaro, v6 or v8. i also have a 3.29 GPA. i am 16. and also is it cheaper if the cars are older? thanks.""

If I lie to my insurance company about who lives with me is that considered insurance fraud?

I have a relative who lied about who lived with her on her insurance application even though it does not affect her insurance and I was just wondering would that still be considered insurance fraud.

Give me a genral idea of how much car insurance would cost me?

Well cost my parents. I'll be sixteen this April but I won't be getting my license until July. I want to get a Mustang GT 2005 or 2006 but I think it somewhat falls into a category of a sports car so it raises the insurance right? What would be the difference between me driving that or a 2003 BMW? Oh and is there a difference between driving insurance and car insurance? Thank you so much! (And for the record I'm not some spoiled kid, I've been saving for this car for a very long time with money from my lifegaurding job)""

Erie Pennsylvania Cheap car insurance quotes zip 16511

https://www.linkedin.com/pulse/affordable-auto-insurance-massachusetts-jennifer-aldridge/"

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madeulookbylex · 7 years

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10 Marketing Books You Should Read In 2017

Image: Shutterstock / Rawpixel.com

Interview after interview with top performers tends to reveal similar daily habits: an early wake time; a regular exercise regimen; and a designated time for reading.

Reading a lot wont necessarily make you a great leader, but it seems great leaders tend to read a lot with rare exceptions. Great leaders read because its the most efficient way to gain the condensed information, guidance, and insights they need to excel at their jobs. Who wants to reinvent the wheel when others have provided the blueprint? This is especially valuable in the marketing world, where the challenges facing chief marketing officers and other marketers are changing daily.

If youre ready to take your marketing game to the next level, heres a rundown of 10 of the best new marketing books to dive into this year:

1. “They Ask You Answer” by Marcus Sheridan

Marcus Sheridan is a legend in the digital marketing world after he used content marketing to lift his failing pool company from the brink of bankruptcy to become one of the largest in the country. Sheridans strategy is based on two fundamental assumptions: your customers are smart readers who want you to educate them and your best resource for doing so (the internet) is free.

“They Ask You Answer” shows you how to become the authority theyre looking for and gain their trust, you need to think hard about who your customers are and what they want. What are they confused about? Afraid of? Longing for? What are their pain points and their dream scenarios?

Answer those questions with your content, and youll have a whole new cadre of brand ambassadors to do your advertising for you.

2. “Non-Obvious 2017” by Rohit Bhargava

Georgetown Professor and founder of the Influential Marketing Group, Rohit Bhargava is a self-professed non-obvious trend curator. His series has been tracking trends since 2011 in the areas of culture and consumer behavior, marketing and social media, media and education, technology and design, and economics and entrepreneurshipall of which digital marketers should be following.

“Non-Obvious 2017” identifies five brand new trendsincluding fierce femininity, passive loyalty, and moonshot entrepreneurship, and reviews over 60 trends from earlier editions, providing longevity predictions for each. Bhargava also teaches his readers the skills necessary to do what he doescut through the noise and identify the emerging trends and patterns others miss.

If you want your marketing to resonate (and who doesnt?), this is the book for you.

3. “SEO for Growth” by John Jantsch and Phil Singleton

Since Google is a crucial source of web traffic and lead generation, companies cant help but question how strong their search engine visibility really is. If you dont have a handle on the basics by now, or havent kept up with the many Google algorithm changes affecting your website, its time to get caught up.

John Jantsch and Phil Singleton put their years of experience and research to work for you, showing you how to leverage the new rules of search engine optimization to maximize your websites organic ranking potential.

From high-level strategy to tactics you can immediately implement, “SEO for Growth” is a must-read for marketers and entrepreneurs.

4. “Hug Your Haters” by Jay Baer

For Jay Baer, a complaining customer is not a companys problem, its one of their best assets.

Most unsatisfied customers wont ever tell you where you went wrong, leaving you guessing how to do better. But a complaining customer actually gives you a major opportunity for growth and corrective action. Far too many business care too little about retention, placing much emphasis on outbound marketing and the attraction of new customers, with comparatively little attention paid to the customers theyve already paid to get, writes Baer.

“Hug Your Haters” outlines the two types of haters any business is likely to come across, identifies what they want and tells you how to give it to them. And its full of concreteand hilariouscase studies so you can see their responses in action.

Follow their lead and youll be turning haters into brand advocates before your very eyes.

5. “Pre-Suasion” by Robert Cialdini Ph.D.

To truly persuade someone, according to Robert Cialdini, you need to do more than change their mind; you need to change their state of mind. In “Pre-Suasion”, the long-awaited sequel to his New York Times bestseller, “Influence,” Cialdini directs our attention to the time immediately preceding the message, or what he calls the privileged moment for change. It is at this crucial juncture when you can prime your target to be more receptive to your words. Get them in the right mindset, he argues, and they will be much more likely to agree with you. The book outlines tips and technique that you can use in a variety of contexts to convince people of your message, even before you say a word.

6. “Get Scrappy” by Nick Westergaard

Afraid you cant compete because youre a mom and pop shop in a big block store environment? Then youll take solace fromand find a useful roadmap inNick Westergaards “Get Scrappy”. Host of the popular On Brand podcast, Westergaards simple message is exactly what you want to hear: you can punch above your weight. More than just a collection of tips, he provides an entire system for scrappy marketing, starting with the steps you cant miss, how to do more with less, and concluding with simplifying your methods for the long haul. Its a practical guide to helping you achieve big results on a small budget.

7. “What Customers Crave” by Nicholas Webb

Nicholas Webb wants you to rethink customer service and your targeting mechanisms. Forget age, geographic location, or race, Webb argues. Its much more important to know what your customers love and what they hate. What customers truly crave are amazing experiences and you can only give them that if you know their likes and dislikes. For Webb, customer service is not a technical process; its a design process, and it demands innovation. He walks you through how to identify different customer types, so you can figure out how to create superior experiences across all of the different customer touch points. “What Customers Crave” will change the way you think about customer service and how to boost those conversion rates.

8. “Invisible Influence” by Jonah Berger

People assume they have much greater control over their decision making than they actually do. But as Wharton School Marketing Professor Jonah Berger demonstrates in “Invisible Influence”, the reality is that we are all subject to the power of social influence. Berger uncovers the forces that subtly shape our behavior and shows how, contrary to common belief, this is often a positive thing. As an example, Berger sites the social facilitation phenomenon, in which doing an activity with someone else (say running) helps us do it better (faster). And for those cases in which social influence is a hindrance to good decision making, such as in the case of group think, Berger provides practical tips for overcoming it. We may all be subject to invisible influences on our behavior, but just knowing what those are can put some of the power back in our hands.

9. “Hacking Marketing” by Scott Brinker

According to Scott Brinker, marketing systems are lagging behind the rapidly changing environment in which theyre operating. He identifies five digital dynamics (speed, adaptability, adjacency, scale, and precision) that have transformed the work of marketing, and proposes a relatively simple way of bringing order to the chaos. As marketing becomes more digital and marketers are increasingly reliant on software to do their jobs, the art of managing marketing increasingly resembles the art of managing software. Therefore, marketing managers should adopt the successful frameworks and processes software managers have already developed. “Hacking Marketing” provides a hands-on (and non-technical) guide to creating your own agile marketing processes and serves as a much-needed reminder that when our environment and tools have changed, our work processes should as well.

10. “Digital Sense” by Travis Wright and Chris Snook

Travis Wright and Chris Snook recognize that marketing today is all about customer service. And like Jay Baer, they see it as an age of opportunity. They have devised a whole new marketing system based on two frameworksThe Experience Marketing Framework and the Social Business Strategy Frameworkto help you understand and surpass customers expectations at every stage of the buyers journey and get all of your employees on board. Their learn, plan, do approach allows you to reach customers while also allowing for discover, design, deploy innovation to improve everyday operations. “Digital Sense” is full of data, exercises, and specialized knowledge to help you understand their approach and customize it to suit your needs.

These must-reads are fresh takes on our rapidly evolving field, chock full of guiding frameworks, helpful tactics, and actionable tips. Its a fair amount of homework, but it does promise a major return on the investment.

Josh Steimle is the author of Chief Marketing Officers at Work and the CEO of MWI, a digital marketing agency with offices in the US and Asia, and despite being over 40 can still do a kickflip on a skateboard.