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meraenthusiast · 4 years

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Is Real Estate The Best Way To Invest 100k For Doctors?

Most doctors and other high-earning professionals that reach out to me understand that I love investing in passive real estate. Once they join the Passive Investors Circle and start educating themselves on real estate, they’ll also learn that it usually takes a minimum of $50K to invest in most properties.

Early on I realized why the “rich get richer” as I NEVER was able to invest large sums of money in the past. These types of investments are hands-off and accessed only if you’re considered an accredited investor.

A new Passive Investors Circle member (neurosurgeon) recently asked, “Hey Jeff, what’s the best way to invest 100K? I’ve got some money sitting in a money market account earning next-to-nothing and want to start building up streams of passive income. Please help.”

Newbie Doctor Investor

One of the main concerns the newbie doctor has (myself included in the past), is where to invest that has the highest returns. If you’re right out of training then your focus should be on getting into the habit of saving money.

It doesn’t make sense to stress about returns because the amount of money available to invest during those early years is paltry.

What does it matter if you’re making 7% vs 10% on $5,000? It doesn’t. Instead of focusing so much on returns, new docs would be better served focusing on two other areas:

emergency fund

debt

Emergency Fund

I first learned the concept of an emergency fund (AKA “rainy day fund“) from Dave Ramsey while completing training at LSU. This is an account that allows you to access money in case of an unplanned sudden need.

There’s much discussion about what type of account(s) this money should go into and again, folks are searching for the best returns.

This money should be treated as insurance against, you guessed it, emergencies.

Emergency funds are better served in accounts that are EASILY accessible such as checking or money market accounts.

We keep over a year’s worth of living expenses in the Vanguard Prime Money Market Account (VMMXX).

Dave Ramsey recommends saving 3-6 months worth of living expenses but I feel better going out to a year. To each his own.

Now let’s move on to debt…

Debt

Before you begin searching for the best way to invest 100K, consider cleaning up any consumer debt laying around.

Most doctors graduate with large amounts of student loan debt.

They tend to have other debt such as credit cards and vehicle loans too.

What’s the point in investing in an index fund earning 7-8% a year when you have credit card debt that charges 22% in interest? It’s hard to get ahead until you’re consumer debt free.

Now that we’ve got the emergency fund and debt covered, let’s move on to what you came here for, what to do with that $100,000 burning a hole in your pocket.

Best Way To Invest 100K

I hate to be the bearer of bad news but there’s actually MORE than one best way to invest 100K.

But what I am going to do for you is only highlight those options that I personally think are best and also invest in myself.

Nobody is paying me to give you these recommendations, it’s strictly my personal opinion only.

One other issue we need to address is what you plan on using this money for in the future. This is going to be a major determining factor of the type of investment to make.

For instance, if you’re trying to save up for a home down payment, then what you’re going to invest in is going to be different than someone that plans on funding college tuition for three kids (529 plan).

Our plan

So here’s what we do…

Due to the fact that we’re like you (high-income earner in a top tax bracket), tax savings is high on our priority list.

Related article: 5 Smart Ways On How To Reduce Taxable Income For High Earners

Each month we max out our practice’s retirement accounts (via Vanguard) and also fully fund both of our kid’s 529 plans. In Louisiana, we’re allowed to deduct $4,800 a year per child against state income tax.

We invest in the Louisiana START Savings Program which allows us options to use Vanguard mutual funds. After they were born, we set up automatic monthly investments of $400/month to get the tax benefit + help fund college.

The cool thing about 529 plans is that if one of them gets a full or partial scholarship, then the balance in the account can be transferred either to the other sibling and/or to their future children (our grand kids 🙂 )

All of our investments are set up on auto draft so no need for a financial advisor.

We also have money coming out of our accounts on a weekly basis going into a separate money market along with our passive real estate distributions.

So if I had a lump sum of $100K, I’d be taking a portion of it and investing it following the monthly plan discussed above along with continued savings until we land on a new passive real estate deal.

This is where I want to share with you what I feel is some of the best ways to invest $100K.

Why is real estate my top choice for investing $100,000?

There’s more than one way to invest money in real estate so I’m going to answer this based on our situation.

For us, it only make sense to NOT become involved with active investing. Why? It doesn’t align with our goals. What? You don’t have any goals you’re following each month?

No worries. If you want to keep heading down the road you’re traveling with NO DESTINATION in site then continue without goals.

But if you’re like me and have a place you’re heading towards (financial independence), then goal setting will allow you to arrive there within 7-10 years no matter where you are in your career.

I have two simple goals:

Free up more time for family, friends, travel, etc.

Replace our personal expenses with passive income

That’s it. So when I originally wanted to start investing in real estate, reviewing the goals made it crystal clear that passive investing was the best as:

Goal #1 = make MORE free time.

See how easy that works? The goals you set will GUIDE your decisions. I’m just a regular dude from Louisiana and want to keep things simple.

Start with “why”

Here’s something else for you. The first question I ask all new Passive Investor Circle members is, “Why do you want to invest in real estate?”

I’d have to say that over 90% don’t have a “why” they want to invest in real estate and I encourage them to get one.

Having a “why” you want to do something will keep you focused on your goals when times get tough.

Image by GlobeTrender

For instance, if you catch yourself wanting to buy a new truck (cybertruck?!), then your goals will redirect you to invest that money instead in assets that provide passive income. Dang it!! 🙂

For us, passive real estate is the best investment class that we’ve found (we have invested in stocks, bonds and index funds) to help us reach our goals of retiring earlier than 55.

The passive income that we’re currently receiving is NOT only tax-free but we’re also able to access/spend it if need be (which we don’t at this time).

There is no worrying about figuring out a way to access retirement accounts early. You have full access to this income NOW.

The Benefits Of Investing $100K In Real Estate

I love investing in real estate. Why? Well, instead of investing in an intangible asset such as stocks or bonds, investing in real estate allows you to invest in something that’s real (you can physically put your hands on it).

There are multiple benefits for real estate investing especially for high-income/highly-taxed doctors. Sound familiar? 🙁

The three main ones are:

#1 Cash Flow

If you ask Rich Dad Poor Dad author Robert Kiyosaki why he invests in real estate, then you’ll likely hear the term cash flow.

He claims that it’s one of the ways we can protect ourselves of the fear of running out of money during retirement.

Cash flow in simple terms is the “flow” of money into your bank account each time an investment sends you a distribution.

The formula it’s derived from rental properties are:

Net Operating Income (NOI) = Rents – expenses

Cash Flow = NOI – debt – long-term repairs

Positive cash flow = a surplus

Negative cash flow = a deficit

If you’re invested in an apartment syndication that collects $20,000 a month and expenses are $16,000, then your cash flow is $4,000 each month.

Related article: Cash Flow In Real Estate – The #1 Reason to Invest

#2 Appreciation

The increase in value of an investment over a certain time period is known as appreciation. If you’ve ever sold a home then more than likely what you paid for it was less than what it was sold for.

This is an example of appreciation.

It’s an important variable which plays a key role in defining the profit from a property for a real estate investor.

Several of our syndication investments are in value-add properties. These assets are typically older buildings that are remodeled which helps increase the future value.

This is an example of forced appreciation.

Once improvements are completed, rents can be increased thus allowing the property to be sold at a higher price.

#3 Tax Benefits

I’d have to say that the main reason we currently invest in real estate are all of the AMAZING tax benefits we receive.

It’s been said that depreciation is one of the most powerful wealth building tools in real estate as it’s a way that the value of an asset can be written off over time.

Even though commercial real estate usually appreciates in value, the IRS allows you to depreciate its value called a paper or phantom loss.

They allow you to subtract the losses against the income which will REDUCE your tax burden.

To take depreciation a step further, the IRS allows you to front load or accelerate the depreciation. This can be accomplished via a cost segregation study.

You can also take advantage of a 1031 exchange which may allow you to defer taxes from any sale indefinitely.

If you’re tired of paying 40+% to Uncle Sam each year, consider real estate.

What’s The Best Way To Invest $100K In Real Estate?

If you’re looking for the best way to invest 100K then in my opinion, real estate is where it’s at. The cool thing about real estate is that you can be:

completely hands on

completely hands off

somewhere in between

In other words, you can be active, passive or some where in the middle.

In past articles, we’ve touched on many different ways to invest in real estate such as:

BRRRR method

REITs

Fix and Flips

crowdfunding

mobile homes

single family homes

farm land

turnkey

If we hadn’t set up specific financial goals then choosing the best option wouldn’t be easy. Due to the fact that freeing up time is important to us, passive investing was our choice for the best way to invest 100K.

Specifically real estate syndication deals.

Conclusion: Deciding The Best Way To Invest $100k

Remember, the best way to invest 100K or any amount of money comes down to you and your own personal financial goals.

What’s right for me may not be right for you.

But from my personal experience, if you’re a high income earner that is over taxed looking for passive income to get off the treadmill early, passive real estate investing is your ticket out.

Are You Ready For A Golden Ticket?

If you’re ready for a golden ticket to get off the hamster wheel of practicing then join the Passive Investors Circle today.

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montieltjlindseyba37insuran-blog · 5 years

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kennethherrerablog · 5 years

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Tax Deductions: Get The Nitty-Gritty on Which Ones You Can Claim

Part of being an American is looking toward Tax Day with either dread or anticipation. Will you have to cut a check to Uncle Sam, or will you get a plump refund?

Tax deductions can tip the scales — a lot — meaning you’ll end up sending less money to the IRS. We all want that, right?

Read on to understand which common tax deductions you could claim.

What Is a Tax Deduction?

Tax deductions, also known as tax write-offs, lower your taxable income so you’ll pay less overall. You can either go with the standard deduction, which is a predetermined amount that is subtracted from your income, or itemized deductions, which take into account your particular expenses such as charitable donations, health care costs and contributions to retirement accounts.

Tax deductions are different from tax credits. A tax deduction decreases your taxable income, whereas a tax credit lowers the amount of taxes you owe the IRS.

Calculating Your Adjusted Gross Income

Deductions are typically calculated from something called your adjusted gross income, or AGI.

Do you know how much you make each year? What about the amount you contribute to retirement? The IRS uses this information and more to calculate your adjusted gross income (AGI), which is the starting point for figuring out your tax bill.

Your AGI includes your wages, alimony, dividends, retirement distributions and business income. If you’ve paid student loan interest, contributed to a traditional IRA or paid into a health savings account, those expenses are deducted. What’s left over is your AGI.

Changes from 2017 Tax Reform

In late 2017, Congress passed the Tax Cuts and Jobs Act, a sweeping overhaul of the federal tax code. The main change affecting everyday Americans was to the standard deduction; before 2018 it was $6,350 for single filers and $12,700 for married couples filing jointly.

Under the new law, it nearly doubled: it’s now $12,000 for individuals and $24,000 for married couples filing jointly.

While this is good news for some people, it comes at the expense of several popular deductions that were eliminated. These include:

Job-related moving expenses for non-military

Home equity loan interest deduction

Casualty and theft losses not covered by insurance

Alimony for the person paying spousal support

Investment expenses and advisory fees

Job search expenses

Unreimbursed work expenses

Standard vs. Itemized Deductions

Still, there are numerous itemized deductions still in play. Choosing the standard deduction or itemizing depends on your personal situation.

If your potential deductions equal more than the standard deduction, itemizing will lower your taxable income and save you money.

Here’s another way to think about it: if you’re a young, single person with a full-time job, you’re healthy and you rent rather than own a home, you will almost certainly take the standard deduction because your deductible expenses probably won’t total more than $12,000. But if your financial profile is more complex — think mortgage, property taxes, medical expenses — then you might benefit from itemizing.

Popular Tax Deductions for Itemizers

If you’re thinking of itemizing, you need to know what is and isn’t tax deductible. Here are some common deductions.

1. Charitable Contributions

If you gave money or goods to a charity during the year, you could be eligible for a tax deduction. The organization must be designated as a nonprofit by the IRS. Usually these are religious, educational or charitable groups.

There are some limitations on what you can include in this deduction. For example, if you donated to your local PBS station and they sent you a “thank you” T-shirt, you can’t deduct the value of the shirt. So if your contribution was $100 and the T-shirt was worth $10, you can only deduct $90 on your tax return.

Additionally, you can only deduct charitable contributions up to 50% of your AGI. (Most people can’t donate half their income to charity anyway.) But there are additional limits depending on the organization. Donations to churches, hospitals and colleges qualify up to 50% of AGI, but contributions to veterans’ organizations and fraternal societies have a lower cap — only 30% of AGI.

Pro Tip

You can deduct expenses from charitable work. For example, if you knit hats for a homeless charity you could deduct the cost of the yarn. Save your receipts in case you’re hit with an audit.

4. Mortgage Interest

The interest you pay on your home mortgage can total many thousands of dollars, particularly at the beginning of the loan. Luckily, you can deduct that interest from your taxable income. This is applicable for debt up to $750,000 (married) or $375,000 (single) as of 2018.

If you bought your home on or before Dec. 15, 2017, you can deduct mortgage interest on debt up to $1 million (married) or $500,000 (single).

5. Property Taxes

The 2017 tax reform put new limits on property tax deductions. Beginning in 2018, you can deduct property taxes up to $10,000 (married filing jointly) or $5,000 (single or married filing separately) but those caps include any deductions you claim on state and local income taxes, as well as sales taxes. Before, you could deduct those amounts separately — and potentially get a bigger deduction. No more.

8. Medical Expenses

If you had significant medical expenses last tax year, you could get a deduction. The bills must equal 7.5% or higher of your AGI to qualify for the deduction. For someone with an AGI of $50,000, that means you can’t deduct medical expenses until they exceed $3,750, or 7.5%,

Note: The percentage is different in some states, so do your research.

Qualified medical expenses include:

Bills paid to doctors, dentists, chiropractors and more

Hospital visits or stays

Nursing home care

Some weight loss programs

Addiction programs

Prescription medications

Transportation to and from medical appointments

Acupuncture

Dentures, crutches, hearing aids, wheelchairs and service animals

Reading or prescription glasses or contact lenses

Deductions You Can Claim with the Standard Deduction

Even if you don’t itemize, you can still claim some valuable deductions. They’re known as “above-the-line” deductions.

1. Educator Expenses

In an ideal world, teachers wouldn’t have to pay out of pocket for school supplies. In reality, most teachers routinely dip into their own funds to buy pencils, paper, glue and other items for their classrooms. The IRS allows K-12 teachers to deduct up to $250 for educator expenses such as classroom materials.

2. Student Loan Interest

If you paid interest on your student loans, you can deduct up to $2,500 in interest payments if you earned less than $65,000. Above that, the deduction phases out, but those earning up to $80,000 can get a reduced deduction.

This only applies for people filing their own tax returns; if you’re still listed as a dependent on your parents’ tax return you can’t claim the student loan interest deduction. You also can’t claim this deduction if your loan isn’t in your name. So, if your parents took out the loan on your behalf, they will get the deduction instead.

3. Moving Expenses for Military

Members of the military are eligible to deduct moving expenses from their taxable income. In previous years, civilians could also deduct moving expenses, but the deduction is now limited to military personnel.

4. Health Savings Account Contributions

Health savings accounts, or HSAs, are offered by insurance companies on high-deductible plans. For a single filer, that means a plan with an out-of-pocket maximum of $6,550 and a minimum deductible of $1,300. For a family plan, that increases to a $13,100 out-of-pocket maximum and a minimum deductible of $2,600. HSA contributions are pre-tax, much like an employer-sponsored 401(k).

Your contributions to your HSA are tax-deductible. The exception is if you live in California or New Jersey, as these states don’t allow deductions for HSA contributions.

5. Self-Employment Expenses

If you’re self-employed, you can deduct quite a few expenses. These include:

Home office: You can deduct the space devoted to your home office at a rate of $5 per square foot for up to 300 square feet of space. However, you must use this room exclusively as your home office, so you can’t set up a desk next to your spare bed and claim that as your office. You also must use that room regularly for business.

Education: As a self-employed individual, you can deduct things like tuition, books and lab fees for education that “maintains or improves skills needed in your present work,” according to the IRS.

Car: If you use your car for business, such as driving to meetings with clients or vendors, you can deduct 54.5 cents per mile (as of 2018). You can also deduct things like gas, licenses, tolls and parking fees.

6. Health Insurance Premiums

If you are self-employed and pay for your premiums with after-tax dollars, you can deduct them.

You can also take the deduction if you get your health insurance through a state or federal marketplace, but only for the money you pay out of pocket. Any subsidies you receive are not deductible.

7. IRA Contributions

You could get a tax deduction if you contribute to a traditional IRA as part of your retirement savings portfolio. The maximum contribution for 2018 is $5,500, or $6,500 for those over age 50, and it’s fully tax deductible. (Beginning in 2019, those limits are $6,000 and $7,000, respectively.) But your eligibility also depends on how much money you make and whether you or your spouse has an employer-sponsored retirement plan. Consult the IRS guidelines for those income limits.

Every tax season, it’s worth your while to consider which tax deductions

you might be eligible for, whether you itemize or not.

Catherine Hiles lives in Ohio with her husband and their two children. By day she manages a team of writers and graphic designers, and catches up on her own writing in her spare time.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Tax Deductions: Get The Nitty-Gritty on Which Ones You Can Claim published first on https://justinbetreviews.tumblr.com/

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yourcertainstudentlight-blog · 6 years

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Why is 6 months of the cheapest car insurance $700? What would be the cheapest provider for me?

Details: Im 19, Had my license for 1.5 years, no accidents, live in an apartment with 2 room mates, good credit, have a 1997 dodge stratus es 4 door, and in college. What would be the cheapest provider to make it legal? Also, are there any tricks I can use to make it cheaper?""

I recently moved to Brooklyn and I need to find affordable auto insurance for my car. Any suggestions?

I know car insurance in NY is expensive in general, but any suggestions would help!""

Which insurance company is the cheapest for a new UK rider?

What is a fast car that is in a relativley low insurance group?

Hi i'm looking for a car which is fast but not that high in insurance i have 4 year NCB but i'm only 23 and have already got 2 smashes under the belt and a speeding ticket i'm currently looking at a ford cougar 2.5 which is group 14 insurance but i have own one of these before but was just wondering if there is a faster car then this that is lower then group 15 insurance i live in the uk can anyone help.

Why are car insurance for men more higher than women?

I don't understand why is insurance for men more higher than women. Lets be honest: Women can get distracted as men and men can also get distracted. Men have temptation of speed, and so do women. some women have a tendency to be impatient behind a slow driver and dangerously overtake with their escalades or odyssey and so do men. In Europe, they have stopped doing this and how come in USA they don't do the same? I am not arguing that my insurance should be lower but it just doesn't seem to make sense. I am a careful driver yet I still have to pay more? For what? I have seen girls drive as bad as men. Why do I have to pay for so much as a male?""

How much would the insurance be on a 1993 Acura legend coupe with a type II engine and skyline gtr body kit?

I have a link that shows pictures of the car so please give me your thoughts about what you think of the car itself and how high or low the insurance may be. Here's the link. http://www.cardomain.com/ride/562419/2

How much should i pay for insurance premium for an indoor playground business?

What are the advantages and disadvantages of a high-deductible insurance plan?

I am looking in to getting insurance that has a high ded. plan and a low ded. plan. What are the advantages and disadvantages??

What is the CHEAPEST car insurance anyone can find for a 17 year old male!?

i no this is a problem for many my age but i can only find quotes for 3000, i dont want any answers saying that is the cheapest or things like that, i no now some jerk will now ive said it, but there is a way i just cant find it!!""

What zip code in the U.S. has the cheapest auto insurance?

I want to know what area of the country recieves the cheapest auto insurance?

Cheapest tuner platform to insure?

I am a 16 year old male looking to buy his first car. I know im in the situation to get the highest insurance already, but im still looking for a tuner. I have about 4 grand to spend so ive been looking at civic vtecs, 240sx's, vw's and many others. I was wondering how much some tuners cost in insurance for my age and sex, and also any other cars that are cheap to insure, but i can get a lot of horsepower out of. Thank you!""

Cheap Car insurance...............?

im 19 living in england just held my license for a week now. im being quoted 4 and half grand insurance on a 1.4 civic. that is bullshit. does anybody know a cheap insurance legit one? i need to start driving ASAP.

""One more question on insurance,,,, do I HAVE to cancel existing insurance on my mums car.....?""

i have a quote from an insurance company who is willing to give me temporary car insurance for 3 months on my mums car, it works out cheaper then going on as second driver, they said i have to cancel my mums insurance but maybe that is because they wanna make money at the end of the day, my mum is saying i don't have to cancel the existing insurance but i aint sure, i just think she is worried she may not get the refund for paying for a full years insurance if she cancels... help me out guys !!?""

""Looking for cheap car insurance,small car,mature driver? any recommendations?""

Looking for cheap car insurance,small car,mature driver? any recommendations?""

How much is car insurance for a new female independent driver in the UK?

I was just wondering how much it costs for a new female to get insurance on a car .. anyone have a ny ideas ... and is 1.1 L engine big enough for a new driver answers needed asap please !! xx

Got a fine for no car insurance.?

I got a fine for no car insurance in CA, what will possibly happen to me? I'm fearing the worst...although there should be no excuse for it I didn't have the money at the time.""

What debit is insurance expense and what credit is prepaid expense?

On July 1, 2007, Lumas Co. pays $15,840 to Patel Insurance Co. for a 6-year insurance contract. Both companies have fiscal years ending December 31. For Lumas Co. journalize and post the entry on July 1 and the adjusting entry on December 31 to all accounts except cash. Debit Credit July 1 Prepaid Insurance $ 15,840 Cash $ 15,840 Dec. 31 Insurance Expense $ ???? Prepaid Insurance $ ???? what would go where the question marks are?""

What is an annuity insurance?

When asked for your insurance in a car that's not yours..?

Just recently I took a vacation down to Galveston, and on my way back I got a speeding ticket in Ennis. Thing is, I was in my boyfriends mom's car and I didn't have my insurance. So I gave him the insurance for the car that I am not covered on. So my question is, is her insurance effected because of me? and When taking defensive driving should I put my insurance down for getting the ticket off my record?""

How much (estimated) would it cost for insurance on this mustang?

I am soon to be 16, and a family member has a 1998 Mustang for sale. I was wondering, any idea on the insurance? read below -4.6L V8 -convertible -all power, seat belts, airbags, etc. -VERY good condition PS we dont have drivers assigned to our cars, just the drivers and cars. also, the conv. top has a 4 inch rip in the seam. is this repairable or does it have to be immeadiatley replaced? i can wait to have it replaced if i can simply repair it. NOTE: I DIDNT ASK THIS QUESTION to hear your too young or mustangs suck I am a responsible teenager and Mustangs have been my passion since i can remember. so thanks. NOTE""

""Car Insurance, which one is best?""

I am a 22 yr old, i am buying a truck tomorrow an 04 ford f150 and I was wondering what insurance place would be best for me. Ive never had car insurance before (I drove my dads old truck and made the payments and insurance payments but it was under my parents name so it would be cheaper) If anyone has any ideas i would greatly appreciate it!""

""Families who live in America, how much is your health insurance per month?""

In an earlier question I mentioned that my boyfriend's parents are paying for his 24-year-old sister's health insurance after she got laid off and couldn't find another position and can't afford health care on her own, to the tune of $175 a month (and she's perfectly healthy) and was floored when someone said that was actually inexpensive. Btw, her parents insist on her having health care coverage for fear of her getting in an accident or whatever. I'm 17 and am quite obviously naive about the costs of health insurance, but I'm really curious about it, and would like to know how much it usually costs for a family to have health insurance in America. I'm in California. I don't know if it's more expensive depending on your state. If if you don't mind answering, how much do you pay per year, and how many people are in your family? Does it become more expensive as your kids get older? What kind of plan do you have? Through work or your own? Are you supportive of universal health coverage? Also: does anyone understand how Medicare / MediCal works and who decides who is covered and who isn't? Is it based on your yearly income? I'm asking because one of the reasons my boyfriend's parents want his sister to have insurance is that another family friend of ours broke her jaw in a roller blading accident when she was 26 and didn't have insurance because she was unemployed at the time, and not being able to pay the $15,000 hospital bill killed her credit score. Sorry for all the questions. I'm just really curious about all this.""

Any Cheaper Car Insurance..?

Hi I'm in U.K (young driver, no claims bonus). and ive just recently bought a nissan micra 1.0 R reg i got a quote from AA, churchill, norwich union, zurich and they all are giving me a price of over 1500 pounds. I have pass plus. Any cheap car insurance out there in U.K please help need to get one fast. Thanks""

Do you have to have car insurance just because you have a drivers license?

My mom is bent on the idea that just because I have a drivers license I have to have car insurance as well. I go away for college and I dont drive all year long. We have a family car that I drive once or twice over the summer but other than that I don't get behind the wheel of a vehicle. I don't have any problem with just not driving at all. Am I really legally obligated to have car insurance even though I do not drive? Will it somehow make me less likely to get insured in the future if I remove myself from her insurance package now?

How much is a monthly car insurance in new York ?

I'm leasing a car n I need to know what is the average monthly cost in NYC. Thanks.

invicta insurance

What is The Age Limit To Use My Medical Insurance?

Hi I'm 20 years old and i want to know what is the age limit medical insurance covers? I hardly use it and now that i need it to have an eye check, I don't know if it will cover me... I reside in California. Thank You!""

How much does car insurance approximately cost for teenagers?

I'm 17. Gonna drive a 2012 Hyundai Accent Female 3.0-3.5 GPA I've had my license for about 3 months already.. and my dad still hasn't gotten me car insurance (which frustrates me considering i have my license and he won't let me drive anywhere without any insurance). He won't tell me how much it is monthly. So i'm wondering how much it'd approx. cost for me monthly?

How much do you think insurance would be for me?

I'm turning 16 and honestly don't know where to even start when it comes to insurance. Right now my parent don't have insurance.. Do They need to have insurance so I can get insurance? I live in tennessee I'll be driving a 2006 black jeep liberty and insurance just seems really confusing and scary.

What is an affordable car insurance?

Which one do you have? Is it a good one?

""What life insurance is best for a senior 62 female, on a fixed income, AARP or Landmark Life? asap?

My mom and I are ingnorant to the premiums and the small print on determining the rates. Need an honest opinion from a good christian person. Just need help in determining which is better AARP or Landmark Life? I see two very charts that have us concern if we made the right choice with the one paying more to get less...over a ten yr period. Thank you for taking time to respond

Car insurance and business... HELP...?

Hi, I am 17 and am taking my test next week. I am also soon starting an apprenticeship (electrical). At this time I am not sure about transport (if I have to go to company and travel as van passenger or even driver) or if I have to make my own way to jobs. Whichever way a licence will help a lot. If I am just driving to work 4 days a week and college 1 then can I use Social, Domestic and pleasure + commuting to a single place of work or study ? and if I have to drive between jobs then I know I can not use this insurance (correct?) but when looking at business car insurance quotes they seem to be based on me owning the company (which I do not) so what insurance do I need and is there any responsibility on my employers to pay some or all of the insurance if I am driving between jobs? Please can you help... Thanks in advance.""

Student health insurance...please help?

So, I'm looking for my first health insurance since becoming independent. What is a reasonable amount for the deductible and monthly payments, coinsurance and the price per office visit? I really have no idea...thanks for any advice. i'm a full time student btw and i'm 19 female""

Where can I apply for free or low cost health insurance?

Im a poor student that works less than 20 hrs a week. I am a permanent resident (not a citizen). Please help. I think im going to die soon (see my other question). I also live in montgomery county maryland if that helps

1996 Chevy Z26 Beretta Insurance???

How much would a 1996 Chevy Z26 Beretta cost? Would it be really high because its a sports car? I have a great deal on a GREAT looking car and just wondered if i could afford the insurance..... Im almost 18 and a boy if that helps you answer....

Where can I get insurance for an older car?

I have a 1969 VW Beetle and need cheapish insurance. Very few insurers will cover a car that old unless it is a classic , but as this means it can only really be driven to shows and whatnot, it won't work for me. This is my daily driver. Thanks in advance.""

Can a car insurance company ask you if you have health insurance when you make a claim?

I was in an accident recently and the other insurance company asked me if I had health insurance. I was not at fault. Can they do that?

""Accountant, Insurance, and Cars, please answer?

How do I get an accountant? what things will he need to work with and how do I go about getting one? Liability insurance? How do I get it? And how much will it be for gardening roughly? Van insurance? What details will I need to get this insurance? How do I go about paying tax within a self employed company?

SR-22 Insurance?

Can someone please tell me the process? I got pulled over in May for DUI and I was told I had to get Sr-22 insurance. I have a brand new Mercedes Benz (CLK 350) and I am 23 years old. The title of the car is in my name and my moms name. Is there any way for me to get around this without her knowing? She will kill me!! Is there a way to take my name of title and just get the non owners SR-22 insurance? All of this is so confusing and i'm scared. Any experts out there?

Classic car insurance for 18 year olds?

I was wondering whether it is possible to be put on a classic car insurance policy at 18. I've looked around and nearly all say you have to be over 25. I would like to somehow be insured on an Escort XR3i or RS turbo. I understand that because of may age this isn't going to be very easy. would it be cheaper to be a named driver if my dad owned the car ?

Car insurance?

Car insurance? Question. My boyfriend was driving my car... and my insurance is just liability insurance...My boyfriend does not have insurance. He was pulled over and given a speeding ticket. It says on the paper attached that if he did not show proof of insurance he would need to send that in with the ticket.. the cop did not ask for proof of insurance.. and also on the ticket... it says financial responsibility shown? and the office marked YES..... does that mean he lucked out this time

Car crash information to your own auto insurance.?

I was involved in a car crash. But, it wasn't my fault. A driver hit me from back. I called his insurance company to file a claim. Do i have to call my insurance company, just to inform them about what happened? Is there a downside on letting them know about crash? Thank you""

""Was to help make health care plan was to help make health care more affordable, what happened?

It does not seem it is going in that direction; it seems like more of a insurance sale for insurance company.

""Car accident, how much for pain & suffering??""

My sister & I were in a car accident & it was all the other person's fault. She sprained her shoulder, I got whippedlash & SEVERAL muscle strains in back/shoulders/neck. We both hurt, but w/work & the work I do for my nursing class it hurts my back even worse & I'm not giving up on what I do. How much can I actually get for pain & suffering from the insurance company?? Or do I need to contact a lawyer & sue the guy or would the process take too long for me to get anything out of it??""

Motorbike insurance cost?

hi all i have just passed my bike test and was wondering how much insurance would be for a 125, 250 range engine im 18, 0ncb any suggestions would be good cheers""

Insurance quote on 1989 Jaguar XJ6 for 17 year old?

Hey, just for the record I'm not buying this car to speed, I just plan on fixing it up and taking it for cruises. Just wondering how much it would be, thanks. Also does it go under classic or historic car insurance?""

""525i First car, how much insurance?""

Hey, Im currently trying to get my driving lisence and I was thinking of buying a BMW 525i 1995 model as my first car, how much will the insurance cost approximatly? i know it will be expensive, but how expensive?""

""I make $1500 and still live at home, is a $400 car payment plus $200 for car insurance too much ?""

I only pay for my cellphone bill which is $80 a month. I still live at home and i'm 20 years old. I will be making a lot more money within the next year. The car i want is a 2011 gti base model, which is top 10 in consumer mag for most reliable, practical, fuel efficient vehicles for this year. I want to drop $5k down which will be around $350 a month, but the insurance is $190 a month since i'm only 20. I've driven two used cars and they are just a headache and so i want to drive something fun, practical (4dr) and fuel efficient. Is this a good look?""

Car insurance !! HELP MEEEEE?

right, i cant find any cheap car insurance but my step dad said i can go on his and it should be alot cheaper ( just for a few yeatrs to save up abit ) but my car is in my name, do i need to change my car into his name ?? Pleasee help be Thank youuu !! xxxxxxx""

Car Insurance and Tickets?

My room mate just got two tickets. One for changing lanes without using a blinker and another for not having his headlights on at 9 o'clock at night. He had just left a parking lot. He had a previous ticket for going 12 over the speed limit which was moved to a parking violation. Will these new tickets affect his insurance rates? He has State Farm and lives in Saint Louis. Should he just pay it or get it fixed?

How much might health insurance cost per year for a healthy 22-year-old?

Need to start buying my own health insurance, because I have some health concerns that i need taken care of ASAP. But overall, I am a healthy person.""

invicta insurance

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