#How to Get Lower Deduction TDS Certificate
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Get your certificate and know complete process visit here: Lower Deduction TDS Certificate
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LAKSHMI ASSOCIATES ACCOUNTING FIRM & GST EXPERT
Bookkeeping solutions for businesses under one roof. All accounting solutions for small and medium scale businesses. We provide services for business registrations in Gurgaon, We give all services like related to GST service, Accounting service, Income Tax, Payroll, TDS, etc.
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Goods and services Tax (GST) is a roundabout assessment (or utilization charge) utilized in India on the gracefully of merchandise and ventures. It is a far-reaching, multistage, objective-based expense: complete on the grounds that it has subsumed practically all the roundabout assessments aside from a couple of state taxes. Goods and services Tax (GST) is a worth included duty exacted most merchandise and ventures sold for homegrown utilization. The GST is paid by customers, yet it is transmitted to the administration by the organizations selling the products and services. Lakshmi Associates is one of the best GST-Good and Services Tax services providers in Gurgaon.
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Regardless of whether you are a private venture or a mind-blowing association, monitoring all your money related exercises can be overwhelming services. Furthermore, bookkeeping does precisely that for you by monitoring your business. It dependably records each part of monetary exercises occurring, which is a private snippet of data for the administration of your organization. One key capacity of bookkeeping is staying with you refreshed about the performance. This helps in recognizing the sectors of best performer and under performer and those that require restorative measures. The data got from bookkeeping aid the drawn-out venture arranging of the business too.
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Business enrollment implies the prerequisite of every individual or business offering types of the assistance of business use of pesticides, either completely or as an aspect of the business, to enlist with the division. Anybody can choose one day to begin working as a business. The business and registrations private limited company in Gurgaon has numerous accommodating aides. All that individual needs to do is give an item or administration to someone else that creates a benefit to be "good to go". While formal business enrollment with the state or nearby government isn't really needed to finish business exchanges, it is a nice decision for another business person for an assortment of reasons. There are likewise lawful and promoting favourable circumstances to enrolling a business name. Lakshmi Associates CA in Gurgaon can help direct you in picking the correct business enrollment.
4) Income Tax
Considering what is income tax and how can it work? Tax charge in India is an expense paid by people or substances relying upon the degree of income or increases during a budgetary year. The income might be both real and notional. The administration of India chooses the pace of tax charge just as pay charge chunks on which people are burdened. Those under higher pay chunks are charged at higher rates. The available tax pieces are changed every now and then, remembering the value levels. Now and again, the administration likewise gives tax charge discounts, which advantage individuals in the lower-pay gathering. Together with long haul reserves, the legislature likewise gives tax charge motivators. The sum put resources into charge sparing plans are deducted from net tax, which diminishes the measure of available pay and advantages the citizen.
In the event that the real duty payable is not exactly either the measure of advance expense paid or the measure of TDS for the relating year, they assess may guarantee the abundance chargeback by recording the fitting ITR Structure. When the ITR is confirmed, the pay charge discount is prepared if the tax Expense Division finds that the case is certifiable, ITR Company in Gurgaon.
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A company payroll is qualified to get pay and the sums that each ought to get. Alongside the sums that every representative ought to get for time worked or undertakings performed, Payroll can likewise allude to an organization's records of installments that were recently made to representatives, including pay rates and compensation, rewards, and retained charges, or the company’s specialty that figures and pays out these sums. One way that finance can be dealt with is in-house.
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TDS means 'Tax Deducted at Source'. It was acquainted with gathering charges at the source from where a person's tax is created. The administration utilizes TDS as an instrument to gather charge so as to limit tax avoidance by burdening the tax (halfway or entirely) at the time it is produced as opposed to sometime in the not too distant future.
TDS is pertinent on different earnings, for example, compensations, premium got, the commission got, profits and so on, TDS isn't pertinent to all salaries and people for all exchanges.
Diverse TDS rates have been endorsed by the tax Duty represent various installments and various classes of beneficiaries. For instance, installment of reclamation continues by an obligation common asset to an inhabitant individual isn't dependent upon TDS however for a Non-occupant Indian is dependent upon, TDS Services in Gurgaon.
7) Digital Signature Certificates
Digital Signature Certificate (DSC) is a lawfully perceived technique for marking records electronically. A Digital Signature is a sort of deviated cryptography used to reproduce the security
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Computerized signature endorsements are utilized by programs on the Web and nearby machines to affirm the character of an outsider. The advanced marks are currently acknowledged at standard with manually written marks and the electronic archives that have been carefully marked are treated at standard with paper reports.
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8) Part-Time Accounting Services
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This is one of the principal points of interest in employing Low maintenance bookkeeper. A firm wills just compensation the bookkeeper for the work that has been finished by the bookkeeper. Likewise, he won't be qualified for the vast majority of the advantages that are given to a customary All day working bookkeeper, for example, retirement benefits, and so forth, which would set aside much cash which could be used in the improvement, Best Accounting Services in Gurgaon.
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The Low maintenance bookkeeper would be known as of now by the current accounting company in Gurgaon. The Low maintenance bookkeeper would have the option to adjust to a firm effectively as he will just need to work for several hours consistently. A firm can attempt to test new bookkeepers occasionally which would help in choosing which bookkeeper will be the best for the organization. Subsequent to working and demonstrating a specific bookkeeper can be recruited Full-Time by the Accounting firm in Gurgaon.
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The compensation of Low maintenance bookkeeper can rely on numerous things. The installment could depend on the number of hours worked, or a singular amount sum could be referenced while recruiting your administrations. It likewise might be on an undertaking on an hourly premise. As your
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ARE YOU BUYING PROPERTY FROM NON RESIDENT INDIA (NRI)?
Client Discussion with “CA Om Pawan Kumar Singla”
Client Asks:- Mr. Singla, today we want to know about ‘Deduction of TDS’ from purchase of property from Non Resident India (NRI) which is major problem to be faced in some issues to the buyer in Income Tax Department.
CA Singla:- Yes, that is true …..
If anyone is purchasing property from NRI then the buyer has to deduct tax at source at specified rate under the Income Tax Act from payment to be made to NRI.
Client Asks:- Singla Sir, If buyer will not deduct the TDS, then what type of problems to be faced by the buyer in the Income Tax Department.
CA Singla:- Very simple, the department can go for financial penalty and prosecution in extreme cases.
Client Asks:- CA Sahib, why is the need of deduction of TDS from sale of property by NRI.
CA Singla:- The NRI is liable to pay the income tax on capital gain on the sale of property. The Act has imposed the responsibility on the buyer to deduct the TDS at the time of making the payment to NRI because it is difficult for the department to trace out and collection of tax from NRI. Client:- Oh…ho.. it is very true…Mr. Singla.
Client Asks:- Mr. Singla, .. you mean if there is a capital gain…. then income tax is applicable….
CA Singla:- No doubt….
Client Asks:- Sahib, if there is no capital gain or nominal capital gain on sale of property even then it is necessary to deduct TDS @ rate of say 20%.
CA Singla:- Sir, your question is very.. very.. interesting …. the NRI can offer to deduct his TDS at lower rate on the sale proceed.
Client Asks:- Mr. Singla, then how it can be decided to deduct TDS at such rate.
CA Singla:- The NRI will submit his document to prove the lower rate of tax applicable on him.
Client Asks:- Singla Sahib, who will issue the certificate at lower or NIL rate of deduction of TDS.
CA Singla:- The designated commissioner of income tax in international taxation wing will allow to issue this certificate under section 197 of Income Tax Act after making all the preliminary scrutiny of documents.
Client Asks:- Singla Sahib, usually, what type of document to be submitted for getting this certificate.
CA Singla:- Some of documents to be submitted as follows:
Application Form
PAN Card of Seller and his details
Passport of Seller
PAN Card of Buyer and his details
Property documents
Payment Detail
Copy of Sale Agreement.
Computation of Capital Gain
TAN details
And many more….
Client Asks:- Singla Sahib, is there any need to represent the case before the authorities to explain it.
CA Singla:- Yes.. why not.. the authority can ask for any relevant details before issue of this certificate.
After that Client said we come to an fag end of today’s Lower Deduction Rate of TDS u/s 197 on sale of property by NRI over here….we will do meetings again… and hope you will be available on short notice of our request.
Sure…sure sir… satisfaction of our client are the roots of us and fees offered are fruits for us …
Thanks….thanks Mr. Singla..
Reproduced in the interest of other clients or general public who were not present on the day by:
CA Om Pawan Kumar Singla
For Singla Pawan Associates
Chartered Accountants in Chandigarh
NRI Consultants in Chandigarh
www: singlapawanassociates.com
email: [email protected]
Facebook: https://www.facebook.com/singlapawanassociates/
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INCOME TAX CONSULTANCY IN DEHRADUN
Income tax consultancy in dehradun: In terms of filing tax returns, many people warfare to discover profits tax consultant offerings and in a hunt, and for that they often get trapped. however, at our platform, we lay bare the whole thing in from of our clients who are searching for tax consultant offerings from us. because there are numerous approach of attaining out to us, you can choose to communicate with us every time you need. also, we try to make sure that you are served on time and for this, we've got numerous Consultants to guide you.
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Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
Replacing the 7.75% Government of India Savings Bonds, Government announced the Floating Rate Savings Bonds, 2020 (Taxable). What are the features and eligibility of this Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
What are Floating Rate Savings Bonds?
Usually, when you invest in Bonds, the coupon (interest) what you get is fixed throughout the period. However, in the case of floating rate bonds, the interest is not fixed and it changes as per the specified bond feature.
Hence, such bonds are sensitive to interest rate fluctuation. It is not like your typical Bank FD, where you know well in advance the interest rate payable by banks for the full FD tenure.
The term of the bond is fixed. However, if you are not interested to retain the bonds, then you can sell it in the secondary market at the prevailing price of the bond if such bonds are eligible to trade.
Government of India Floating Rate Savings Bonds, 2020 (Taxable) Features and Eligibility
In addition to above features, let me share certain important features of this bond.
# If holder of the bond turned NRI, then he can hold the bond up to maturity.
# The Bonds will be issued only in the electronic form and held at the credit of the holder in an account called Bond Ledger Account (BLA), opened with the Receiving Office.
# The interest on the bonds will be payable half-yearly from the date of the issue of the bond. Once on 30th June and another on 31st December yearly. As I mentioned above, there is no option of cumulate in this bond.
# The interest will change on a half-yearly basis starting from 1st January 2021. This interest rate is linked to the prevailing interest rate of NSC (Post Office National Savings Certificate)+35 BPS (100 BPS=Rs.1). Hence, the coupon rate of Floating Rate Savings Bonds, 2020 (Taxable) for the period of 1st July 2020 to 31st December 2020 is fixed at 7.15%. Because the current NSC interest rate is 6.8%+0.35%=7.15%.
Let us see the interest rate movement of the National Savings Certificate (NSC) from the year 2016 (where the Government started to announce the interest on a quarterly basis) to date. You noticed that it is falling slowly and in fact the current quarter fall was the steepest among all.
# Interest will be payable directly to the bond holder’s account.
# The bonds will repayable after the completion of 7 years. Premature withdrawal is allowed only for those whose age is 60 years and above subject to the submission of document relating to the date of birth proof. The minimum lock-in period for the age group 60 Yrs to 70 Yrs is 6 years. For 70 Yrs to 80 Yrs is 5 Yrs and for those whose age is beyond 80 years is 4 years.
# Even though you request for redemption as per your age slab, the redemption amount will be transferred with immediate next interest rate period. Hence, irrespective of your submission for premature withdrawal, Govt will process it either on 1st July or 1st January every year. Also, in such premature closure, Govt will deduct 50% of the last coupon payment.
Where to buy Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
You can buy the Government of India Floating Rate Savings Bonds, 2020 (Taxable) at the belowing banks.
Where to approach if you have an issue with your bank in Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
In case the issuing bank does not comply with the above, you may lodge a complaint in writing in the form provided at
the counter of the bank and address the same to the nearest office of Reserve Bank of India, as under:
THE REGIONAL DIRECTOR,
RESERVE BANK OF INDIA,
CONSUMER EDUCATION AND PROTECTION DEPARTMENT/ BANKING OMBUDSMAN (LOCATION)
You may also address your complaint to:
THE CHIEF GENERAL MANAGER
INTERNAL DEBT MANAGEMENT DEPARTMENT
RESERVE BANK OF INDIA, 23rd Floor
CENTRAL OFFICE, Shahid Bhagat Singh Marg,
MUMBAI-400 001
MAHARASHTRA
E- mail ID – [email protected]
Download Application form Government of India Floating Rate Savings Bonds, 2020 (Taxable)
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
# Interest Rate Risk:-As your interest is linked to NSC and the feature of this bond is floating, you can’t expect the constant stream of income. It fluctuates as and when there is an up and down in NSC rates. Do remember that the only difference is in the case fo NSC, the interest rate will change on a quarterly basis. However, in the case of this bond, it changes once in a half year.
# Liquidity:-Liquidity is the biggest risk in such bonds. Because the tenure is 7 years. Certain premature withdrawal option is available for senior citizens and that also with the minimum period of holding 4 years, it turned to the highly illiquid product. Remember that these bonds can’t be tradable or transferable.
# Sovereign Guarantee:-As these bonds are issued by Government, there is no question of default risk. Hence, safety-wise, such bonds carry the highest degree of safety.
# Boon for those who are looking for a constant stream of income:-This bond is a boon for those who are looking for a constant stream of income. However, if you consider the other available options like Post Office Senior Citizen Savings Schemes or Pradhan Mantri Vaya Vandana Yojana (PMVVY), I feel this product is less attractive.
# Taxation:-This bond income is taxable. Hence, this bond is best suitable for those who are at a lower tax bracket. Also, do remember that there is a TDS on the interest that you receive.
Conclusion:-Comparing the Pradhan Mantri Vaya Vandana Yojana 2020 (PMVVY) or Senior Citizen Savings Scheme (SCSS), I think this bond is less attractive. However, in the case of PMVVY and SCSS, there is a maximum limit. But in this bond, there is no such maximum limitation. A combination of PMVVY, SCSS, and Government Floating Rate Savings Bonds, 2020 (Taxable) may be the best choice for senior citizens.
Refer our latest posts:-
Latest Post Office Interest Rates July-Sept 2020
Covid Standard Health Policy or Corona Kavach Policy – Features and Benefits
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
How to create ONE CRORE Rupees from EPF?
Gold Price of Rs.18.75 in 1925 to Rs.47000 in 2020 – Should you invest?
EPF Interest Rate 2019 – 2020 – Historical interest rates from 1952 to 2019
The post Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest? appeared first on BasuNivesh.
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Bank FD vs PPF: Which Is Better?
Investing in any investment avenue requires at least some basic know-how on you - the investors’ part. Simply going by what your distributors / relationship managers / agents say can do more harm than good to your hard-earned money. That is why it is imperative for you to exercise a certain degree of self-learning and be responsible for your investments.
This should be an exercise even if you are investing in the most common investment instruments such as a bank’s fixed deposit or Public Provident Fund (PPF). You may have heard about these instruments from your family, friends, neighbours, etc. To invest in a bank’s FD, for your convenience, banks provide the facility of directly debiting your savings account for a pre-determined amount and transferring it to an FD linked with it.
Surely, Bank FD and PPF are the most accepted investment avenues by investors averse to risk.
Let us understand what these products are.
What is a Bank Fixed Deposit?
Bank FDs are term deposits where the investor makes a lump sum investment. It is the most traditional form of investment in India. Wherein your money is debited from the savings account and locked in for a fixed tenure at a specific rate of interest which is higher than what you earn on savings account. This gives you the flexibility to park your money as per your need.
What is a Public Provident Fund?
Public Provident Fund (PPF) is a scheme of the Central Government, framed under the PPF Act of 1968. Briefly, the PPF is a government-backed, long-term small savings scheme initially started by the Government to provide retirement security to self-employed individuals and workers in the unorganized sector.
These two products have proved to be the most popular investment avenues for Indian citizens.
Now that you know what and how these products work, let us learn more about their features and what makes one better option over the other.
Investment Amount
The maximum amount which an individual can invest in PPF account is Rs 1,50,000 per annum. The minimum one can invest is Rs 500.
Conversely, there is no upper limit to the investment amount in bank fixed deposits.
Interest Rates
At present, the rate of interest on a 1-year bank FDs offered by most of the banks ranges from 5% to 7.50% per annum. You can earn the interest on monthly, quarterly and annual basis.
The Interest rate on PPF tracks the yield of the Government’s 10-year benchmark bond. This move was intended to keep bank deposits competitive. Often banks blamed Government-run Small Savings Schemes (SSS) such as PPF and National Savings Certificates (NSCs) for making their deposits uncompetitive. The PPF interest from January 1, 2018 is set at 7.60%.
Maturity or Lock in Period
There is no lock-in period for bank FDs. And maturity of the FD ranges between 7 days to 10 years.
However, your money in PPF account is blocked for the first 5 years and matures only after 15 years. If you are keen on a safe investment, a decent rate of return, tax benefits (deduction and tax free interest), and have a long term investment horizon, PPF is for you. It is a disciplined investment avenue as your money is blocked for 15 years.
Premature Withdrawals
Most of the banks give you the flexibility to withdraw the money from fixed deposits before maturity. However, some banks also charge a penalty on premature withdrawal. Hence, read the fine-prints in the application form before you invest.
On the other hand, you are eligible to withdraw money any time after the end of the fifth year from the date the initial subscription is made. This is an amount of not more than 50% of the previous year’s balance or the fourth year, immediately preceding the year of withdrawal, whichever is less. You cannot make more than a single withdrawal in the year. You need to apply with Form C for any withdrawals.
Tax Benefit
PPF fetches you a decent rate of return which is tax-free at maturity and the contributions you make, too, are eligible for a tax deduction under Section 80C of the Income-Tax Act, 1961. Effectively PPF still enjoys an Exempt-Exempt-Exempt (E-E-E) status. So, if you are keen on a safe corpus, earning a decent tax-free rate of return, enjoying tax benefit; PPF is for you. The current maximum deduction available is Rs 1,50,000 per annum.
On the contrary, the interest earned on FDs is taxed as per one's income tax slab on accrual basis. If the interest amount exceeds Rs 10,000, the bank would deduct tax at source (TDS) at the rate of 10% p.a. However, the FD with 5 year maturity qualifies for income tax deductions and hence you will not pay any tax.
Loans
Most banks do offer an overdraft facility on your fixed deposit. You can avail for a loan upto 90% of your fixed deposit amount. The interest charged for such loan is comparatively lower as compared topersonal loans.
A loan facility is available on a PPF account too. The first loan can be taken in the third year of opening the account. For example, if the account was opened during the year 2010-11, the first loan can be taken during the year 2012-2013. The loan amount will be restricted to 25% of the balance, including the interest for the year 2010-11 in the account as on 31/3/2011. The loan must be repaid in a maximum of 36 EMIs, i.e. three years. You can take a second loan against your PPF account before the end of your sixth financial year, but your second loan can be taken only once your first loan is fully settled.
PPF or FD: Which Between the Two Should You Invest in?
PPF and FDs both can be used as long-term savings instruments. But, keep in mind your liquidity needs, interest rate scenario, risk profile, investment objective and inflation before investing your hard-earned money in these instruments.
FDs offer easy liquidity which is not available in PPF. But even while investing in an FD, take a well-thought out approach and analyse the product in detail. Read the terms & conditions clearly before investing in it. On the other hand, to utilise the tax benefits offered, you can opt for a PPF account facility.
PersonalFN believes that the availability and the need of funds should determine which investment avenue you should opt for.
Remember, to make the best of these investments, you need to wisely choose your investment avenues. Do not be lured by sales pitch of your relationship manager/ investment advisor. Adopt a need-based approach toward your investing. Set S.M.A.R.T. goals and ensure your investing in various asset class with both a long and short term investment horizon in mind.
Since the beginning of 2015, the Reserve Bank of India (RBI) has reduced policy rate by 175 basis points (bps). Consequently, banks, too, have reduced interest rates on Fixed Deposits (FDs). If inflation mellows down further, the rates are expected to drop lower.
Such a scenario has got many investors, especially the ones averse to risk worried. They’re wondering where they should park their hard-earned money. Their returns further get eroded when inflation – which is hovering around 5% -- is accounted for over the past year. So, the effective real rate of return (also known also as inflation-adjusted return) has clearly become unimpressive.
Therefore, many investors are exploring various investment avenues looking for better returns. And at such times we believe debt mutual funds will be suitable if you are a conservative investor. But remember, debt funds aren’t completely risk-free. Debt funds carry mainly interest rate risk, credit risk, and liquidity risk. Plus, when selecting debt funds, your investment horizon and risk profile matters. If you have an investment horizon of 3 to 6 months, ultra-short term funds (also known as liquid plus funds) are most suitable. And if you have an extreme short-term time horizon (of less than 3 months), you would be better-off investing in liquid funds. For an investment horizon of upto 2 years, consider investing in short-term debt funds. Dynamically managed bond funds for an investment time horizon of 2-3 year can be appropriate provided you’ve rightly recognised where interest rates in the economy are headed.
If you’re looking at comprehensive mutual fund portfolio service we strongly suggest you subscribe to FundSelect Plus and benefit from the SEVEN time-tested, readymade equity and debt mutual fund portfolios. Based on your risk profile and investment horizon, you can choose out of three equity portfolios and three debt portfolios. In addition, you get a readymade tax-saving portfolio as well.
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Hence, by investing in fixed deposit and PPF, you ensure that you have put your money to work with some amount of security. However, it takes years of toil to make the most of the money saved. To make your money work in most productive way you can invest into mutual funds and diversify your investments. You can also become your own financial planner by completing this e-learning course.
This post on " Bank FD vs PPF: Which Is Better? " appeared first on "PersonalFN"
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How much would insurance cost for a 97 Mazda Miata?
"How much would insurance cost for a 97 Mazda Miata?
I'm thinking about getting my 16 year old son a 1997 Mazda Miata with about 110,000 miles. I have 3 cars currently with state farm. I do plan on selling one car to buy the miata. I have a clean driving record myself. My son in an honors student. He has completed drivers Ed. He hasn't gotten in any wrecks yet. Any idea of how much insurance would be a month for him?
BEST ANSWER: Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr
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Is Liberty National Life Insurance is a good company to work for?
Ok, like a few days ago i've scheduled an interview with National Life Insurance company and was really excited 'bout workin' there until today, but tomorrow (8/05/09) i have my interview...anyways, while i was making some more researches about the company so that i could present my questions to the interviewer (u know when he/she will ask me if i have any questions...) and then i stumbled upon some acclaimed Liberty National Life Insurance scams ...u know how people can be HORRIBLE on the internet. so anyways people (customers or employees, especially EX employees) were saying really bad stuff about the company. Like, LNL insurance doesn't pay people fairly, and that if you just wanna buy a pair of shoes to wear then it's a fitted company to work for, and all the bad things u could imagine...in fact, the ex employees were really crucial about the company. So now, i'm really nervous about working for them you know? I mean what if what those ppl are telling the truth and that i'm just heading toward god knows what?! What if i get the job and realize then that everything that was being said on the internet was true? What if they don't pay me fairly? or i don't know.... All of this has gotten me very frustrated...so if any of u guys can be any help with reliable sources, or just helpful suggestions would be more than great! Thankx and oh lol i didn't realized i wrote so much...sorry 'bout that though....""
How much could I get a Vauxhall Astra for + Insurance?
I'm going to be driving in a couple of years and my friends brother has an Astra. I really like it and just wondering how cheap I could get one and insurance etc.
Car insurance??
I have had my license for about 5 months until i got into an accident. I hadn't killed anybody, but they did go to the hospital to get checked. My ticket was reduced to a parking violation. The whole accident was me hitting a car from behind. Nothing much happened to their car, but mine had 4k worth of damage i had to pay for. How much do you think my insurance would rise a month?""
""What car has low insurance fees, cheap parts, and is some what fast stock?""
I get a car in a little bit and I don't know what to get. I have some ideas such as a Nissan 350z, Mustang Cobra, Mitsubishi Lancer Evo or a Subaru Impreza but I don't know how much the insurance would be to cover those for a 16 year old male.""
Just got in a car accident...I'm 16 we have USAA. How much will my insurance go up?
I was being stupid and driving too fast on a wet day. I spun out and hit a wall (thank god I'm okay) and damaged the back right on my car pretty bad. I know our deductible is either $500 or $1000 but my question is about my much will my insurance go up? I know its not going to be pretty since I've only had my lisense for 10 months...
How much would insurance be for a 16 year old in GA?
I'm 16, I own a 2005 Chevrolet Cavalier LS Sport- 2 door, live in Athens, GA, drive less than 7,000 miles annually, drive to and from work and school 5 days a week... haha. I just want to know how much it would be monthly for car insurance on any of the companies. Any help would be appreciated. :)""
How much would a motorcycle insurance cost me monthly if i'm 17 years old and i live in toronto?
Say i get a 2008 honda cbr125r, how much would insurance cost me monthly? (an approximate estimate would be nice)""
Health insurance for the unborn?
Im under my dads health insurance until im 26. my insurance said they would cover me and my delivery, but wouldnt cover the baby. how can i get my baby medical insurance before she's born? (im aiming to get her on medicaid) but what steps do i take?""
Where can I get my physical done for cheap? No insurance?
I'm going to be a wrestling captain & I need it for school on Monday. I live in florida
How much is motorcycle insurance for a teenager?
Im 17 and want to get my motorcycle license but i have a speeding ticket and an accident on my record. Anyone know about how much insurance would be?
How to get TD auto insurance quote in Ontario?
I am a new driver in Ontario with G2 licence. Never had insurance before. Got my G1in Oct. 2012 and G2 in Oct 2013. I am 33 years old married male. I have completed drivers' certification course. I don't have any ticket or any conviction. I am going to buy new 2013 Hyundai Sonata GL. I shopped online and with brokers too. All are quoting me around $320 - 350. I haven't heard anything from TD yet as they wanted me to give them written application to get a quote from them. (I don't know why?). I know TD gives cheap quotes, but I need to know an estimate. After submitting written application, I have to wait 3-4 weeks to hear from them. Can anyone be able to tell me how much will be TD's quote? (at least an estimate?) Thank you in advance!!!""
Firebird 2003 owners. How much do you pay for car insurance on your Firebird?
Firebird 2003 owners. How much do you pay for car insurance on your Firebird?
I deliver pizza. I was told car my car insurance wont cover a crash.?
THey said if i have the pizza sign on my car and get hit insurance wont cover me but without the sign i will be?
Can you have insurance in two state?
I am a resident of California but moved to Washington for school. I need a car to get around and being the typical college, I'm trying to cut down on expenses. I was wondering if I got a car here in WA could I just add the car into my mom's car insurance policy in CA or would I have to pay for my own car insurance here in WA? Also would it be cheaper and better if I bought a car in CA then just have it shipped to WA? That way it'll have a CA license plate. Please help and let me know. Thank you.""
What is the penalty if police finds i have an old car insurance card in my car and not the current one?
i switched car insurance company, and i forgot to put the new car insurance card in the car, i still have the old one there but it expired. if the police stops me for some reason, will i get into any trouble? i have the new car insurance company phone number in my cellphone.""
What is a good insurance plan for some one 49 years?
Single, non smoker. I don't have health insurance and Im gonna need it. I don't know where to start.""
How do you get car insurance for less than a year?
I would like to get car insurance for just a couple of months as the named driver, but all of the insurance quotes are for a year. Even the pay by month ones have a deposit.""
How much would the insurance be for a 16 year old with a v6 2010 camaro?
My mom is either giving me her car which is a 2006 Lexus gx 470 which she bought for $50,000 or she will buy me a 2010 v6 camaro. Would insurance be lower if I recieved the lexus or camaro?""
Would you accept a job working as an Insurance Call Center Agent?
The job entails helping senior citizens all over the country obtain affordable insurance solutions that cover their final expenses and medical bills. The work hours are Monday ...show more
Affordable standard transmission car for teen?
Any suggestions for a cheap manual car for a 17 year old male? I don't mind if it's a 2 or 4-door. Anything that is known for low insurance so my parents could afford it.
Found a nice place for those who need free auto quotes?
Hey there just wanted to let everyone know i found this great site for free auto insurance quotes, its saved me $32 off of my montly policy. Read some of the auto insurance articles to help you save more. Http://www.free-auto-quote.com""
""Where can I get cheap car insurance for a vw golf 1.4 51 reg? Im 17 and just passed, I'll b on parents policy?""
I will be on my parents policy, with a parent as the main driver and me as the named driver? Ive looked at tesco value and its coming up as 2500!!! i was hoping more along the lines of 1500""
Where can I find reasonably priced car insurance for a 17 male?
I am 16 years old, soon to be 17 and am looking for a reasonable car insurance quote. I am aware that being male and 17 both work against me in this situation, however the best quote I have found so far was with eCar at gocompare.com for 2340. I am thinking of getting a cheap 1996 Vauxhall Corsa as this has been the cheapest to insure when comparing quotes. I have tried Directline, gocompare, comparethemarket, moneysupermarket, tesco compare, insurance.co.uk, confused.com, uswitch.com, and beatthatquote.com. I really need something lower than what I have found so far, if you have any suggestions they would be greately appreciated. Thankyou.""
Health insurance For Football?
I'm going to play football in highschool soon. And i was wondering if i needed health insurance to play or its not required?
Electric Car insurance and teen drivers.....?
How much does insurance go up if you add a 17 year old with a learner's permit to your plan. I live in Florida and have Electric Car Insurance.
How much would insurance cost for a 97 Mazda Miata?
I'm thinking about getting my 16 year old son a 1997 Mazda Miata with about 110,000 miles. I have 3 cars currently with state farm. I do plan on selling one car to buy the miata. I have a clean driving record myself. My son in an honors student. He has completed drivers Ed. He hasn't gotten in any wrecks yet. Any idea of how much insurance would be a month for him?
**Average Homeowners Insurance for Condo in DC???**?
If the condo was $50,000 1bd/1bth in washington DC not many amenities cept fire alarm and enxtinguisher. once car garage.""
Car insurance questions?
Can you buy a car and not have to pay for car insurance? If you must have car insurance, can you use your parent's, like a family plan?""
Can i get insurance with a permit?
i am getting my learners permit tom ,can i get insurance to .i am 16 years old""
Who is the cheapest car insurance company for a young driver?(19 yrs old male)?
Who is the cheapest car insurance company for a young driver?(19 yrs old male)?
I need to rent a car but I have no car insurance?
I am 25 and have a secured credit card and am looking to rent a car for my road trip in December but have no car insurance at this time since my car needs a lot of repairs and so basically it's just sitting in my parents driveway until I can get it fixed and is not registered therefore I don't have insurance on it. Long story short this is my first time renting a car ever and it's just going to be me driving but since I don't have car insurance then how does this work? Help is appreciated.
What is the name of the song on the JUST CAR insurance add on MTV ?
It the one with errbody beatboxing and this FLii as dude driving around with his blue car. There is an old as asian dude beatboxing and a couple of hot chicks as well. pls pls pls ...show more
Is it a legal requirement to have insurance when you are self employed?
I am about to sign a contract, as a self-employed contractor, and one of the point refers to me having liability insurance. Is it a legal requirement?""
Is it bad to cancel new car insurance after just 1 month?
ok i bought a bad car from a dealer that scammed me and im a new driver and it was the first time i had a car and the first time i put on car insurance the reason why im asking is because ive bought the car and after 10 min of driving the car it died on me and there was no warranty dumb of me not to buy a warranty plus it was an old car anyways i got new car insurance and i sold the car and people was telling me that because im a new driver if i cancel my insurance early that i wont be able to open up a new one or it will be harder to open one up in future is that true?
How much is motorcycle insurance for a 150cc moped?
I've heard some people say $100 a YEAR. And some $250 a MONTH. Big difference. Who is more correct? And I'm just wanting a rough guess. Not an exact quote. So please no ...show more
Car insurance for a new driver?
i want to buy a small car, but im worried that the insurance will be expensive what company sell cheap insurance? how much about did you pay? i want a small car, like a 1 litre engine thank you""
""On average, how much is motorcycle insurance?""
Let's say for instance I owned a road bike with 750 cc's, how much would insurance be? Or at least AROUND how much?""
What's the average cost of car insurance for a 20 year old male?
I'm shopping around for car insurance and I'm trying to get an idea of what's average. I'm a 20 year old male living in Florida with no points on my license.
Buying a car and insurance?
The bank has pre-approved me for 11k. I have talked the dealer down to $8,500 for the truck i want. My insurance is going to be around $1,200 for 6 months. If i get the auto loan for 10k, will i be able to use the excess money to pay my insurance. I believe i read that the check from the bank will be written out to the dealer, but what will happen with the excess money?""
""If you had to guess, do you think my insurance will be high?
i am an 18 years old male. i have been driving for close to two years and i had one speeding ticket that i took to court and they let me off. i got no points. i drive a 2000 mercury cougar and with liability coverage it costs $90 a month. im on my moms policy. im want to get a 2005 chevy monte carlo lt that im gonna have to get full coverage on because im financing. i am also gonna be on my moms insurance. do you think my premium is gonna increase by alot? thank you. and please just give me estimates and dont tell me to call the insurance company. i just want ballpark estimates and answers. thank you :)
How much would a BMW increase your insurance every month if you have Nationwide?
Like compared to having a non-luxury import car?
Best medical / health insurance in Dubai?
family health insurance, which should cover maternity expenses as well. also it should be economical and well received at all hospitals / clinics. thanks in advance""
Can I remove 17 yr old off my insurance policy if not driving my car at all?
Long story short (hopefully)...My 17 yr old step-son got his license just after his b-day last yr and my husband stupidly bought him an undeserved car (we have had nonstop issues with him for over 2 yrs with his disrespectful and insulting/criticizing attitude, refusing to follow house rules, his very poor, negative and selfish behavior on top of his constant lies and his drug and alcohol use and continues to bring it around my 4 yr old son). Needless to say after receiving 4 tickets under 6 months for either having too many kids in car or driving past allowed hours to be driving because he refuses to follow our rules or the law and feel they do not apply to him. He completely trashed the car, it reeked of cigarettes and pot, we found empty beer cans and other cans used to smoke his pot. We took the car away and cleaned it the best we could and after a few months of him still continuing his behavior and habits we sold the car. He bullies his mom and sister (always has) and took his moms keys and her car from her and will not return it. I know we are legally responsible for him until he turns 18 which isn't too much longer BUT he is getting worse with everything, my husband has given up on him and just lets him come and go as he pleases and do what he wants (he claims he will kick him out on his bday but no one believes him b/c of many past threats not followed through and his kids know it so they continue to play him), I'm told to stay out of it because he isn't my son yet he is still on MY insurance and driving his mom's car while drinking and smoking pot and continuing not to follow the law with his restrictions either. I can't wait for this ungrateful punk to be out of my house. He constantly badmouths all of us with lies to everyone and blames us when things don't go his way. He has always been extremely lazy and does not want to work, he keeps forcing his mom to give him money which she does b/c she claims she is afraid of him, he has NEVER helped with anything around the house, he has already been in trouble a few times with the police as young as 12 when he wouldn't follow skateboarding rules. This kid needs a major attitude adjustment and a kick in the *** but no one will do it and I'm not allowed to say anything to him about anything but I'm so sick and tired of having to keep my mouth shut and watch everything he says and does to his family yet I am to provide insurance for this a@%hole. He's not supposed to be driving anyone's car but he took his mom's and won't give it back to her, he lives with us even though he is NEVER here (DYFS took the kids away from their mom about 4 yrs ago and placed them with us immediately) (oh, the issues have been going on a lot longer than these 4 yrs but not to this degree). By the time we file and the court allowed for emancipation he will be 18 so that is no use. He HAS to live with us until then but I don't want my insurance going up anymore than it has and want him off of it. He refuses to hand over his license too. I am at my wits end with this kid and don't know what else to do. Does anyone have any ideas on any loopholes on how to get him off my insurance? If we force him to stay here he gets violent toward everyone, constantly picks fights with all of us, storms around the house cursing and complaining, slamming everything, purposely makes messes and leaves it until he gets his way and I definitely do not want that behavior around my son. My husband has told him he is no longer a part of our family and it doesn't faze him at all and he just does not care about anyone but himself. Please no criticizing me. I have been his step-mom for almost 10 yrs now and have never been allowed to discipline my husband's kids at all and always told to not get involved in anything b/c they are not my kids yet they both walk all over their dad (and their mom), are spoiled rotten, no responsibilities or chores at all and never any consequences when they do something wrong. For those of you who actually read all of this thank you. Yes, I am venting but really need it and this still is not the whole story but it's too much to go into.""
Which insurance is better?
which insurance is better blue cross and blue shield or aflac, what is the difference between them""
What are some affordable life insurance policies for people with diabetes?
What are some affordable life insurance policies for people with diabetes? Looking for $400,000 in coverage.""
Sooooo how much would a 16 year old car cost for car insurance on a 2008 BMW 750i??? (on his dad's plan :D)?
In new york (brooklyn). Thanks!
All my friends seem to be getting cheap car insurance?
All my friends seem to be getting cheap car insurance but i cant seem to find it lol, im 17 and i know its expensive but people say they find it for 1.4k or 1.5k which id be happy with but im getting quoted 5k (and dont say what type of car is it!!) cause i know all that""
Can my car get repossessed for lapse of insurance?
Okay so short and sweet my loan company called and says my insurance lapsed now is this a problem by means can they come get the car like in the same fashion as if I were not paying on it? But can they still get it even if I am making the right payments on time? Also if I fax them my insurance card showing I have the card with proof of the insurance til may will they take that as a form or do they need to contact the company directly?
Under parents car insurance in another state?
im going to another state for college, can i stay under my parents car insurance?""
Whats the best car insurance?
I am an at risk drive at age 19 driving a 2005 toyota sequoia that hasn't been paid off yet i have one at fault accident ( i hit a car in a parking lot with nobody in it) and i have two speeding tickets now i need full coverage because im still making payments but I would like to know what to go with because so far all my quotes are really expensive! please help me out guys i cant afford 300 dollar car insurance!
Auto insurance cost for teen?
I am 16 years old and have a 2002 vw jetta. I was wondering how much it would cost for insurance?
How much would insurance cost for a 97 Mazda Miata?
I'm thinking about getting my 16 year old son a 1997 Mazda Miata with about 110,000 miles. I have 3 cars currently with state farm. I do plan on selling one car to buy the miata. I have a clean driving record myself. My son in an honors student. He has completed drivers Ed. He hasn't gotten in any wrecks yet. Any idea of how much insurance would be a month for him?
What makes car insurance car insurance?
I always wondered. Not to brag or anything, but my family is so rich that we really don't need car insurance. If something were to happen we would be able to take care of it. So basically we waste hundreds of dollars each year on car insurance. Is there a way we could have our own insurance card to issue to a police? What makes car insurance companies able to function and not me?""
How much money would it cost for car insurance for...?
I am 17, I got my G2 license recently.. How much would I be looking at if i were to buy insurance for a jeep 04 rubicon? Also, if you know, how much did you or your friends pay or ur kids for car insurance and where do u live...""
""Please, what company can I get maternity insurance coverage with in Florida?""
My husband and I are not yet pregnant, but we are already trying. We do not qualify for medicaid and have no health insurance. We do not want to wait the twelve month waiting period before getting pregnant. So far my only option seems to be Ameriplan. I was hoping for more options.""
How much would it cost for 3-5 million dollars General Liability Insurance?
I work in various chemical plants and refineries repairing/maintaning/calibrating the laborotory instruments in these places. I'm currently working as a sub-contractor through another company but that is about to change, as my business partner and I are breaking away from them to start our own business. Most of these plants require between 3-5 million in liability coverage to my knowlege. I need a ballpark figure of what that kind of coverage costs in the Louisiana/Gulf coast region. Last year we did $150,000 in sales between 3 people and the revenue has been growing substantially each year (~20% or so). Thanks in advance for your answer.""
Rough cost of insurance group 17 cars?
Hi all, I'm looking at a Lotus Elise for my next car. Its insurance group 17 and I'm 25 with nearly two years no claims. Anyone know roughly what the insurance would be? Thanks xx""
How much would it cost for monthly insurance on a Dodge Viper 2009?
Im doing a math project at school and we have to buy a car. What would the approximate cost be to insure it monthly?
""Once you get your license, do you have to have car insurance even if you don't own a car?""
Say you're over 18, you go for your license test and get your license. Six months later, you buy a car. During the six months before you buy the car, do you have to have car insurance, even if you're not driving during those six months at all?""
Who are good for cheap insurance without any no claims?
previous vehicle was mobility and insurance was not in my name so I have no no claims
Has anyone had experience w/causing a car accident & how much your insurance goes up?
I just got into a car accident & I was at fault. It appeared to be minor, based on the small dent in the other person's car, but the couple both have soft tissue injuries. I have no accidents or tickets on my record. I'm wondering if anyone out there has been in a similar situation as me? How much did your insurance go up? I hope this couple doesn't lie about their injuries or embellish them and I hope their injuries don't turn out to be serious. It is too soon to tell. Thanks.""
What kind of business insurance is needed for a small business retail store?
& on average, how much does it cost (it will be in Brookly/NYC)""
What is the annual cost of health insurance for employer?
I am a new small business owner with 3 employees at the moment. I was wondering what the annual or monthly cost for health insurance is for an employer. I'm not looking for an in depth analysis, just trying to figure things out in my head and I have not even a clue what it cost.""
What does average insurance premium mean?
What does average insurance premium mean?
Can a 16year old drive an 18years old car if the 18year old is on the parents insurance with statefarm?
The 16 year old will be on the parents insurance as well
Where is the best place to purchase product liability insurance?
Need product liability insurance for imported hardwood flooring.
Can a tourist in New jersey buy a car and get an insurance?
My I-94 is valid till Feb 2013, and I wanna buy a car. Can I register it by my name in DMV and get an insurance? I know friends in other states did that (California, Indiana...etc) but I am not sure what about New Jersey""
Health Insurance for 18 going to 19 year old?
My boyfriend is currently 18 years old. In January he will turn 19. He has no health insurance.We live in Texas. He's currently working/has his own income but still lives in his grandma's home. He started working making roughly about 250-300 every week, this has however only been for half the year before he was only making minimum wage. Should he get insurance from where he works? Or can he qualify for Medicaid or something of that sort? How does insurance work when you move out also?? Who qualifies for Medicaid? How? We're honestly clueless about all this, and no one has given us information. I've tried doing online research but it's all confusing.. I was hoping someone would help me out. Anything will help. Thank you.""
Ontario motorcycle insurance help?
im a 17 year old male wanting to get my m1 and buy a 1985 yamaha virago, and i really don't know where i can insure it for cheap because of the year most insurance places in ontario wont insure it, id have the Absolute bare minimum so it would be cheapest. please help""
""Reasonable priced car insurance, uk?""
I'm 17 I passed my test in July and have just taken the pass plus course in the hope of decreasing car insurance cost a bit but I'm still getting quotes of like 3k + going all the way to 11k is there any vehicle, type or make, with any insurer that'll give me a reasonable price say 1kish or less?""
What auto insurance should I have for a car that stays in garage?
I live in California, I do have a car that I am not using anymore and it stays in the garage until I decide to sell it. By California law, is there any law that you must have insurance for car? even if it is not being used. if there is a law then what is my best options for auto insurance? Thanks, I appreciate any answer!""
Which car insurance is cheaper for a 17 year old male?
I'm 17 and I'm thinking about getting a car when I get my g2 in a few months, I do have a job I work at Canadian tire! and Im looking for which car would be cheaper on insurance.. I dont want a truck, caravan or a smart car... please answer this truthfully! :) P.S. Im in ontario, Canada""
Where can I shop for health insurance?
I need to purchase health insurance for my family. Where do I go or who should I call?
What insurance would take her?
Wife's best friend is a natural-born U.S. citizen and California resident for decades. She is 49 years old, single mother of a teenager, and has no health insurance. She has a rather large (presumably benign) tumor in her belly that makes her look 4 months pregnant. According to her research, it's a cystic fibrosis, a single lump at or near her reproductive organs. It's been growing for years and has not been diagnosed. In fact, she hasn't seen a doctor since about 1999. She knows that she'll need surgery and wants to get health insurance, but obviously has a pre-existing condition. There are high risk pools for that, but she's unsure how to proceed. Should she go to the doctor, get the tumor diagnosed and then try to get insurance? Should she try to get insurance, yet list her undiagnosed condition on the application in order to be denied? She doesn't make much money, but she knows there's no way around this. Any advice on how to proceed? Thank you.""
Any body know the cheapest place to insure a 17 year old driver?
My 17 year old son just passed his driving test and would like to buy a car. This wouldn't be too much of a problem but the insurance quotes we have had are unbelievably high. The cheapest quote has been 4300 with some companies refusing to quote at all. Some of his friends have told him they pay around 2500 because they have a 'box' fitted which monitors their driving. The co-operative was recommended for this but when I got an online quote from them it was 7,500 with the box. Help!!!! Anyone have any ideas?""
1999 Pontiac Grand Am SE auto insurence?
how much will it cost for me monthly just estimate the price please to have insurance on that car thanks and are ponitacs goood with there motor and all that it has 172000 miles on it for $2900 should i take it or na just tell me about the insurance please thanks
What is 20 payment life insurance?
What is 20 payment life insurance?
How much would insurance cost for a 97 Mazda Miata?
I'm thinking about getting my 16 year old son a 1997 Mazda Miata with about 110,000 miles. I have 3 cars currently with state farm. I do plan on selling one car to buy the miata. I have a clean driving record myself. My son in an honors student. He has completed drivers Ed. He hasn't gotten in any wrecks yet. Any idea of how much insurance would be a month for him?
Car insurance for 19 year old....?
whats the best car insurance how much would it be for me being a 19 year old, just got passed my driving test first time driver lives in L.A. what are the best car insurance companies out there for me""
What's the cheapest car to insure for a 17 year old?
I've just turned 16 and I am starting to save up for a car/insurance, I'm just wondering whats the cheapest car to buy and insure for a 17 year old. I know it varies where you live ect ect, but I'm just wondering generally. Also would a robin reliant be cheap to insure?""
What is the difference between insurance agencies and insurance companies?
What is the difference between insurance agencies and insurance companies?
If 15 minutes can save you 15% or more on car insurance..can 20 minutes save you 20% or more on car insurance?
i know stupid question but i've always been curious
What are my health insurance options?
I recently changed jobs to a small company that does not provide health insurance. I was turned down when I applied independently to Aetna for medical reasons. Would the decision of another company likely be any different or is COBRA my only option? Despite some issues in my medical history I virtually never go to the doctor and would be happy with a plan that just covers unexpected catastrophic issues but I'm not sure how to go about looking for that.
Put my 17 yr son on insurance for '85 vette?
Is it possible to put my 17 year old son on the insurance for my 85 corvette? God blessed
How much would my car insurance be?
I'm looking to buy another car. I would really like a BMW or a VW, years like 1996 to 2004. I'm thinking like a 3 series BMW or a passat or jetta. I know these are typically nicer cars thus insurance would be higher, though some people claim they're cheaper because they're more safe. Anyway, how high are we talking here? I don't need an exact number but a decent estimate would really help so I don't buy a nice car and find out I can't afford the insurance. I'm an 18 year old guy, I have NO tickets of any sort, no accidents, I commute about 20 miles to college, iv been licensed for over a year, I took drivers education. I'm under my own name not my parents so my insurance is astronomical cause I'm an 18 year old guy. Please help.""
Give three or more reasons why americans should not have health insurance?
what are three or more reasons why americans should not have health insurance
Finding a decent health insurance plan. low cost insurance.?
I'm 22 and a server I want to find insurance that will actually take care of me. where can i go to get help for this? I dont know much about insurance
Getting a license increases car insurance?
When applying for a drivers license for the first time, i was wondering if it increases a person's car insurance; even if the person that is getting the license doesnt have a car, and is under the age of 18.""
Will my car insurance represent me in getting claim from other person's car insurance company?
Wife got in accident with teenage girls that was at fault. Other driver had insurance, and I'm dealing with them, but because they say my car is totalled as its older and not worth a lot, they offered me some money, but when I go to buy a similar car online, I see I'm short a few thousand. They are being a bit difficult and have my car at a lot ( I know mistake but they said they only were going to look at it, now its gone). I don't have a lot of pull but will complain as much as I possibly can - was on phone for nearly hour today. Question: Do you think that my insurance company will help me get money from the other insurance company of the at-fault party? I have not contacted them yet.""
Charged with impaired and insurance (CANADA)?
I was charged with impaired driving when i was 21. I fought it in court and it did nothing but make me spend lots of money and drag things out even more. Now i am 24 and get my full license back at the end of this month. I have had my license for the last year but with the interlock ignition condition on it. Not being able to afford the ignition interlock i decided to not drive. I am seeking advice from a insurance broker or somebody who has been charged with impaired and has gone through this. ON average what do you think i will be paying for insurance? Do you have any suggestions to make? I have a feeling i wont be able to afford it and will still take public transportation but i am curious. Please only answer if you have dealt with this situation
Medicaid & Medicare question Comprehensive Insurance?
I was wondering if Medi-Cal is comprehensive insurance? then when I can get Medicare I can decline it! I am getting SSDI right now and medicaid is good for me! thanks
Changing motorcycles and insurance question?
Long story short I have got a new bike. The bike I am Insured on has about 2 months left before I gather another year no claims. However, I was wondering would/do Insurance companies offer a way for me to transfer the next/last 2 months to my new bike (At a possible cost) then charge me a full year when its due (In 2 months) Any help will be appreciated. I don't want to phone my insurance up cause every time I phone someone like that and tell them I have a new bike I want to insure they go crazy and keep phoning me! I have 1 years NCB and i'll be 18 in 2 months (when I will get 2 year NCB) Cheers Geoff""
What are some good insurance companies?
I am 20 years old, working part-time, living on Connecticut and making around 800 a month. I was wondering if any one has some ideas of good but affordable health insurance I would be able to buy on my own?""
Will the cost of my car insurance decrease if I have a provisonal license?
My friend told me this but I think it's rubbish.. I am 17 next week and he told me that if I get a provisional license now and get all my lessons done/pass my tests and get my full drivers license, then wait until I'm 20 to buy a car, the insurance would be cheaper than if I passed my tests when I am 20 and buy a car straight away. (assuming I use the same company/ deals) Is this true or is he charting ****?""
Roughly how much would it cost to insure a 17 year old male on a renault clio 1.2?
Its silver and just a standard model (not sport or anything extra etc..) And is from 2002 (51 reg) any help appriecated thanks :)
Car insurance?
Car Insurance help? I have a provisional liscence and my husband has a full liscence. Our insurance is full comp. He is covered to drive any car. Does that also apply to me if someone is sat by the side of me.
Is they liberal comparison of medical insurance to car insurance flawed?
under obamacare,i cannot be refused because of a pre-existing condition...great right?...i dont have to get health insurance...the fine from the IRS will be cheaper...i can just wait till i get sick to enroll...would some one explain to me how car insurance would work if i waited until the day of the wreck to get insurance..???...""
Is there ANY way a 19 year old male can pay less than $200 for car insurance for a:?
2013 v6 Premium Mustang??
Can my car be on my parents car insurance?
Im 19 years old and im buying a car and would like to know if my car can be on my parents insurance. The car will be in my name only, my old car was in their names so therefore it was on the insurance. I have been under their insurance for the past 3 years. i would like to know if im able to be under my parents insurance.""
Help i had a car accident driving a company car with no insurance?
i hit a car, unsafe start, i find out theres no insurance. I called my boss and he is furious and tells me i should put my insurance from my other cars to it and that i should pay for the accident. i dont know what to do i need help and advice""
How do I get back a revoked license in Colorado without owning a car or having car insurance?
When I had my license revoked for DWAI in Colorado, I was told that I could get my license back when a year was over by submitting an SR-22 form. The way I understand it, you can't get an SR-22 form unless you have car insurance. Is this correct? I don't have a car or car insurance, so how do I get my license back?""
Health insurance for foreigners?
I am from India & I would like to know about the health insurance options for indians working in Malaysia. My husband is working but I am a housewife. His company takes care of his insurance. We are trying for a baby and I would like to know about the health insurance options for foreigners in Malaysia.
What kind of insurance do you need?
can a black cab be driven on a normal insurance or do you need a different insurance to drive it .
How much would insurance cost for a 97 Mazda Miata?
I'm thinking about getting my 16 year old son a 1997 Mazda Miata with about 110,000 miles. I have 3 cars currently with state farm. I do plan on selling one car to buy the miata. I have a clean driving record myself. My son in an honors student. He has completed drivers Ed. He hasn't gotten in any wrecks yet. Any idea of how much insurance would be a month for him?
https://www.linkedin.com/pulse/auto-insurance-quotes-college-students-ryan-george/"
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searching for affordable health insurance
"searching for affordable health insurance
searching for affordable health insurance
BEST ANSWER: Try this site where you can compare quotes: : http://averageinsurancecosts.xyz/index.html?src=tumblr
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I'm 17 years old with a clean driving record. All the insurance websites won't give you quotes until your 18, and i'm just curious how much monthly insurance would be because i'm paying for it.""
My Insurance Question?
I have an insurance question for you people.I had an accident just before I sold my car.I reported it to the police,they came and did the report.I informed the owner of the other car and we worked out everything.The insurance companies know and are taking care of it.Now a couple weeks later he is saying that I owe him $500 for the deductible on his insurance policy.I have liability which fully covers the other guys car.But like I said now the guy is telling me I have to pay this extra money out of pocket to get the collision guy to start working on his car.I toldhim my insurance company is supposed to take care of it.Please tell me whether I have to take care of it or does my insurance have to pay for it.I say my insurance does because otherwise whats the point of insurance then.Please let me know thank you people.""
Are custom orthotics covered by health insurance?
I heard getting a pair is expensive but i need them for running uninjured
Pregnant and no insurance?
hi, i have a friend who is about 3 months pregnant now and she has no health insurance. she is currently working but the employer does not provide benefits of any sort. she does not make that much an hour i think minimum wage and she is working part time. so she is without health insurance for her and the baby. she knows that she can probably get approve by medicaid to cover the pregnancy expenses but her mother is over age 65 and retired and she is currently on medicaid. and she know that if she were to find another job the insurance""
What restrictions do i have with my motorcycle permit in California?
What can I do now that I have my motorcycle permit? I'm living in California (also an CA permit, fyi), and I'm not sure if I'm now able to ride on my own, when i'm able to ride etc. I've heard that I need someone over 21 'supervising'. Does anyone know if there's a penalty for not riding with an over-21 adult? Also, insurance-wise, what do I need to do once I buy my motorbike?""
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Who are the top ten largest life insurance companies in the US today?
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Why do companies that claim to offer them the best insurance quotes sell leads?
I was shopping around for insurance quotes on my home and cars. Many of the websites that I came across claimed to offer the best quotes from different companies thereby getting me the best price. I started filling out a few forms and, for once, I decided to read the fine print ( you know that small font form we all click agree on). Basically what I found was that the company used 4 agencies that paid them to contact me. What the site was trying to advertise to me was that i would have he best possible quote in the world without having to call up the many insurance agencies around me individually. In reality the fine print ( which in the case of the Internet can be 25 clicks hidden) states that they offer quotes from companies that pay them. Why not state that the information I'm giving them is a lead and that people that get it pay for my information and those that don't do not get it. What about some insurance company that can't afford to pay for my information but can offer me cheaper insurance than those that do pay hat site? I wouldn't be so ticked off if these sites simply stated that they sell our information. Rather than try to make it seem as they find you the best price. False advertising is a cancer. http://www.4freequotes.com/web2000/agents/ http://www.netquote.com/about/media-kit.aspx http://www.netquote.com/affiliate/ http://www.2insure4less.com/insurance-leads http://adrianasinsurance.com/about_adrianas/terms/ Go to any free quote webite and read their privacy policy and the page that's made for affiliates/agents, you will clearly see how your information is sold.""
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I am a 47 year old self employed male.Where can I find affordable health insurance.?
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Lowest insurance rates?
Hi!!! I would like your opinions on the lowest car insurance rates. I am currently with an insurance company that has not lowered my rate and I have been accident free for more than 5 years. So I am going to switch carriers and wanted to hear your opinions on where I should try.. Thanks in advance
searching for affordable health insurance
searching for affordable health insurance
Can you stay on your parents' health insurance?
If you are under 26 and get a job that offers health and dental insurance, can you legally stay on your parents' health plan? Refusing does not jepordize that, correct?""
Getting insurance on a bike?
I plan on getting a motorcycle near the end of February. I have never bought a motor vehicle before, so I'm not really sure about how I go about getting insurance. I plan on getting something used from Craigslist (most likely 2008 or newer Ninja 250/300), then either having the owner ride it to my home before I pay, or taking it in a truck or something. What do I do after that? How do I insure the bike? I will probably get Progressive. Also is full coverage worth the extra money, or should I stick with liability? I'm 17 years old so it will be more expensive for me than for others. I live in California by the way. Thanks!""
What is the best insurance company to work for?
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Estimate on drivers insurance?
Hello, i'm 16 years old and about to get my license any ideas on how much insurance would cost me? My family has Allstate and i can qualify for the good student discount.""
I live in el cajon san diego i am 16 i want to get a car what insurance company should i get that is cheap?
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What is the best(cheapest) orthodontic insurance?
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Should the young pay the same for health insurance as the elderly?
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Where can I find affordable health insurance in the Neosho, MO. area?""
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Im a 23 yr old guy and ive only been insured for a month, will my insurance rate go up immediantly?If so,how much?""
Insurance Raise after Car Accident?
Does your insurance rates actually go up after an accident? If yes, how many accidents can you have before it increase? OR is it depending on how much the accident is in order for your payments to increase?""
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Does anybody know cheap autoinsurance company????
Does anybody know cheap autoinsurance company????
Car Insurance and Plate under different names?
I want to put my car's insurance under a relative's name and the Plate tags under my name? Is that possible???? Answers Please!! I want it under a different name because I am young and Insurance costs a lot when you are young.
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Would my car insurance price go up?
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How much is the insurance for a 2003 Nissan Maxima?
I am a teenage driver and i need a cheap car but a nice car
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USAA auto insurance rates?
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searching for affordable health insurance
searching for affordable health insurance
What do I need to add to my auto insurance policy to be considered full coverage.?
I have a car with Calif min. pl and pd. If I were to add a new car what additional coverage and how much would be considered full coverage and satisfy the finance company?
When should I buy life insurance?
I'm 23, one year out of college, living at home with my parents and working full time. I have no dependents. Is this the right time in my life for purchasing life insurance? I don't anticipate starting a family for another 5-8 years - is it wise to lock in a level term or whole life at my age or is it just fool's thinking?""
How much is a dismissal fee for no proof of insurance in California?
I have insurance and I will provide proof but I'm wondering how much will I have to pay for the dismissal fee?
""As a 16 year old male, how much will I pay for auto insurance?""
I am a 16 year old male (and I already know what statistics show, unfortunately), soon to be 17 years old in October. I will be paying auto insurance pretty soon and I am trying to get an estimate of how much I will be paying monthly/yearly. I obtain a 3.5 GPA and reside in Dayton, Ohio. My mother will be adding me to her insurance plan and I drive a 1999 Chevy Camaro (this is the car that will be insured, and thankfully it does not have a Z28 engine). I'm not sure whether or not the insurance agency will consider this a sports car either, so I'm pretty nervous! Please help me! Thank you!""
Missold car insurance?
got my Cover 4 days ago, and yesterday i had car accident leaving my car undriveable, my on 3rd party fire and theif and i now got to wait until pay day to get it fixed. on online and on the phone they sold me i had Courtesy Car cover. Today i rang up and ask about the Courtesy car and i told me i dont have it but yesterday they told me i had. the accident was my fault but the insurance was mis-sold? what can i do? 1 second ago - 4 days left to answer.""
Is infinit g35 coupe is a good first car?need ur opinion pl :)?
So I'm 18 and thinkin about buyin a g35 coupe .its goin to be my first car is it a good car for a first time buyer?and I also interested buyin a 2010 Mercedes Benz c-300 with really low millage.i can afford both cars but just can't decide which one./: any suggestion guys?:)
Question about car insurance??
my boyfriend and i have been discussing selling my car and sharing his (to save money, one less insurance/payment each month). My question is without having insurance (unless i went on his), will that make my insurance go up more the next time i own a vehicle? my current provider (progressive) increased my rate because i was uninsured for 3 or 4 days, and im curious if this is what will happen if say, im uninsured for a few months. THANKS!!!""
I just got pulled over for not having my seat buckle on and I'm wondering how much my insurance will go up?
This is the first time I've EVER been pulled over and I've had my license for a little over a year now. I get good grades and all that stuff so my insurance is pretty low for the average person right now. I'm wondering how much my insurance will go up? SOMEONE HELP! Kinda freaking out here. :p
Young adult health insurance?
Young adult son cannot find job, not in college, has no health insurance - any ideas?""
How much will insurance cost for a 17 year old in New York with a Senior Class D Licsence?
Like if i put it under my dad's name as another driver for the car?, or how much will it be for myself aswell? Let's say for example, because am getting a 2004 bmw 328""
How much is insurance per month?
Insurance for a car. I'm going to buy a used car for no more than $3000, for getting to and fro school. How much would insurance be? Is insurance where you take out a loan and pay back on it month by month, forever? Or can you cease it at anytime?""
Does production company need insurance?
One of my biggest concerns when starting a production company that would specialize in small time video making for buisnesses and there services for marketing and commercials possibly who knows would be INSURANCE would I need liability insurance or is it illegal to just not have that or is it for piece of mind.So say if my production business shoots a restaurant and there services and then shoot some motor cross business where they advertise there atvs and vehicles etc.If the answer is yes then what if I use my own stunt riders? is liability insurance a law to have? I'm in the TEXAS
Online Quote hase gone up 20 after modifying it and running another through. Why?
I got a online insurance quote, modified the quote,mileage, excess. Tried a new quote price is 20 more now, why is that? Will it go back to the original price?""
How to shop for car insurance rates?
I need to find car insurance rates to compare, but I can't find a site that lets me do a comparison and get results on the internet. I don't want to give them my phone number and email because I know I'll be spammed to death by people trying to sell me something. Is there anywhere I can go to get comparison rates for free without having to put in contact information like that?""
Which life insurance to get before Dx of melanoma?
I am 99% sure I have melanoma on my leg. Have apt soon to get this confirmed and staged and start the process. I am a nurse, I know the process, and know the outcome can be one of many. I do not currently have any life insurance, never have. I have 2 small children and it is JUST me and then, no close friends, no family. Worst case scenario, if I only have a short time to live, what would be the best LIFE insurance I can get before getting this diagnosis? I would need something in which they could not cancel me if I am diagnosed with cancer within days of purchasing a premium. Today is May 11th, I should have my diagnosis by May 29th. I would like the biggest policy at the most affordable rate (I don't make as much money as you would think), but its also important that I get the fewest stipulations. By the way, I hate to admit it, but I am a smoker. I quit from 2009 to late 2010, but then started up again when I started RN school (am an LPN now, graduate from RN school in 3 weeks). Any solid advice would be appreciated. In laymens terms please. Ohio.""
I am selling my car and I have a suspended driver's license. What kind of insurance policy can I buy?
My driver's license will be under suspension until January 2014 and so I have decided to sell my car. What do I do about insurance? I dropped mine when I realized I would not be driving as a way to save money, but now that I want to sell the car I believe I need the insurance even just for someone to take a test drive. Are there short-term or reduced costs policies available in this situation? I would of course immediately not need the insurance once the car is sold, which could be very soon.""
Car insurance victim?
last year i had the police turn up at my door saying that i had hit a car roof with a claw hammer i didn't no what they was going on about i did not get arrested and they left, few days later i got a insurance letter thur the post saying that i had collided with a bmw and drove off leaving the seen, there insurance paid him out 5000, i spoke to my insurances and said i don't no what is going on they asked for pictures off my car i sent them, i phoned the police and asked them they said there is no further action is to be taken as the person as dropped the chargers, so i phoned there insurance and they said we are waiting for police reports, i said the police are not taking it any further as the person as he had dropped the chargers, they did not believe me and wanted me to pay 3500 in 14 days i said no, i lost 3 years no claims and my premiums went up, i just had to wait for months :( i got a letter today off there insurance saying we have had the police reports and there is no further action against me or my insurances... ok what will happen to the person what made up this lie to his insurance as he told the police one thing and his insurance another??????""
Can't we make a compromise between all out socialized healthcare and private health insurance?
Can't we do something like give insurance companies tax breaks for covering x amount of people who earn low wages at a sharply reduced price? Or have a smaller government program only for those who cannot afford insurance?
AFFORDABLE auto insurance?
I'm 19 and I really need some car insurance. Everywhere I get a quote from requires that I pay an arm, a leg, and my first born son. Is there anywhere that won't do that? I'm currently unemployed, and I need a car to get a job, but I need a job to get insurance (this expensive insurance) for the car that I can't drive (legally) until I have the insurance. Somebody freakin' help me.""
Consequence of lending your car in terms of car insurance?
If I lend my car to my brother or sister, but I have car insurance, will they get a ticket when they drive? The car insurance covers the cost of the damage to the car, so does it matter who is driving it? What is the purpose of having someone as a secondary driver?""
Does it matter if spouses use the same insurance company?
My husband and I have health insurance through his job, and now my job is offering to pay for some of my life insurance. We are going to get life insurance from his company, but I just wondered if it was a bad idea to have life insurance through two companies.""
How much would it cost to make an insurance comparison site?
I live in a place that doesn't currently have a good insurance comparison site. I have little experience with website design and costing. I would be looking for a good quality site, comparing 4 markets and 6-8 companies for each.""
Kit car insurance for new driver?
how insurance companies are looking at new drivers that are thinking of getting a kit car, is it based on value of the car or just what engine it has or what it was made from? what it be higher then standard insurance? thank you""
Where can I buy good Health insurance?
Anyone know where I can buy health insurance. Im an independent contractor who needs good, cheap rates.""
Do you have health insurance?
If so, How much is it per month? How old are you? What kind of deductable do you have?? feel free to answer also if you do not have insurance.""
searching for affordable health insurance
searching for affordable health insurance
What companies can I get appointed with in Louisiana to write Home Insurance for my Insurance agency?
I have an Indepenent insurance agency in Houston, TX and I am opening a branch office in Louisiana to offer home and auto insurance for LA residents. However, I am having a hard time finding companies that are appointing agents or writing home insurance other than Louisiana Citizens. Does anyone have any suggestions on some companies that I am able to get appointed with ???? Please help!""
How to fine best insurance companies ?
How to fine best insurance companies ?
Is the constitution preventing Americans from getting affordable healthcare?
Is the constitution preventing Americans from getting affordable healthcare?
Are you required to pay insurance?
Once you get your drivers liscence do you have to pay insurance ??
Whats the best car insurance for young drivers?
I'm 16 and about to get my license and have been looking for cars online. my parents said i can have a a mustang V6 if i can save up for it (which i can) and yes, i realize insurance can be kinda high for mustangs but read somewhere that the 1996-2000 mustangs aren't AS MUCH to insure. i was just wondering if anyone knew of what the best car insurance was for young drivers.""
The best insurance company to work for?
I'm looking for a job in the insurance industry and curious what company offers the best potential for a good income? over six figures the first year is my target and looking to pursue sales.
Can I get insurance subsidies under the affordable care act?
I'm 56 years old and still working and get insurance through my large employer. But, let's say I decide to retire. I'm single with no dependents. My net worth not ...show more""
""I have asthma and lost my insurance, help?
I live with my family an was fully covered on their MEDICAL. Recently I was put on share of cost and cant afford the deductable but I have asthma and can hardly walk a few blocks ...show more
Cheap car insurance? But also good?
My brother recently gave me his car. I'm trying to find a good-cheap insurance. One way / Full coverage. Car type: 1994 Lexus ES 300. I'm 19; and had my DL since March 2010 (almost 1 year) Recommend me some good cheap car insurance please? >.< & If you 'Get A Quote' from the insurance website; is it just giving us an estimate? And not signing up for it just yet??
""In an insurance policy, is a Ford Mustang qualified as sports car or coupe?""
A 2005-2010 Mustang. I'm and eighteen year old, first time driver. I know insurance is going to be expensive but I heard somewhere that a mustang wasn't qualified as a sports car because of the two seats in the back, and that Ford made the Mustang a four seater for this reason. Also how expensive would it be? I live in Colorado.""
Can you drive any car with the COOP's fully comp insurance?
if i have fully comp with the COOP does this mean i can drive other cars who drivers are fully comp too. I have had a look all it could find was this, http://www.co-operativeinsurance.co.uk/cfscombi/pdf/Car_Insurance_Policy_Document_Part_A.pdf PAGE 14, 1 (iii)""
Do i still pay the monthly payment (car insurance) after a accident?
I got into an accident on 12/ 15. since then i havnt drove my car bc its not fix or its just waiting for it to be junked. and my monthly payment goes out on about the last week of each month. (my payment goes electronically from my bank ) so on 12/29 they took the monthly payment of december. and then in jan 28, it took another payment even though i wasnt driving the car. my insurance expires this coming march. so do i continue to pay till march even though the car is not used?""
How much does Alstate raise your insurance for a new teen driver?
I'm 17 and ill be put on my parents insurance,How much extra will it coast a month? I took drivers Ed which lowers it too. I have an 06 ford explorer if that matters.""
How does car insurance work in Illinois?
This is something I have been confused about for the longest time. Instead of referencing me to a site, please explain it in your own words. Is it the same as in other states, and does it differ by company? In North Dakota, as long as the car is insured, virtually anybody can drive it. There is no such thing as individual insurance per family member or crap like that. I live in Chicago, and my family has Geico. My parents said they won't let me drive the cars because I need my own insurance card, which would cost $130/month, which we can't afford. I've had my license for almost 4 years now. Recently I have noticed a lot of my friends driving, who said they drive under their parents insurance. One friend has Safeway and says she has always driven under her dad's insurance, and when she gets pulled over the cops say nothing against it. Another friend has Allstate and says she has her own insurance, but on an older car, so when she drives her parent's cars, she carries her dad's insurance. And that that's perfectly fine and legal. So I am completely lost. Does it differ by company? I thought policies were state-wide. Is what they're doing actually illegal? Do I need my own insurance card? How does this work?! I need to drive!""
Car Insurance think my car is a write-off but independent garage think otherwise?
My car (an 05 Peugeot 206) was involved in an accident (which was my fault but thankfully no other vehicle or persons involved) and there's been some damage to the front of my car (bonnet, grill etc.) - I've rung my insurer and they believe it's a write-off but I've asked them to send an assessor to check the damage. I've also had an independent garage look at the car (as someone else said that they did this in a similar scenario) who believe its not a write-off and they can repair it (450 was quoted for parts!!). He's sending me a quote for insurance work and a quote if it was done for cash. Can I get my insurer to use this garage if their assessor still deems it a write-off? If not, what are my options? This is my first time claiming insurance and I've got no real idea!!""
Car Insurance for a 16 year old in California?
I am gonna get either a Used 03-04 Nissan 350z and would like to get a rough estimate of how much insurance is gonna cost. Thanks in advance. Also what would happen to my insurance if the car is on a salvage title?
Can I Sue My Auto Insurance Company?
In 2005, as part of our divorce agreement, my ex and I decided to keep the same auto insurance but under separate policies. We had been with this company for years. My policy was on auto pay meaning that the payments were taken directly from my account. He walked in to pay his. About 6 months after the divorce, I was pulled over for a routine traffic stop and was told I was driving an uninsured vehicle. Without insurance, my registration was also invalid. Both tickets totaled 1K. My car was taken into impound. I checked and found the officer was correct. On good terms with my ex, I told him what happened. He said for the past 6 months, each time he went in to make a payment, the girl HIS was already paid. Realizing what had happened. They were applying my payments to his automobile. I was furious. I notified the agent who initially did not want to accept blame, but since the payments were automatic and my account number was on each payment they took, they were responsible. The error was compounded by the fact that the cancellation notice went to HIS address (how dumb was that!) So I had no way of knowing that I was cancelled. I was without a car for 2 weeks and lost my job. After much haggling and many sleepless nights of wondering what to do without a job or a car, the insurance company finally admitted blame, paid the impound fees of $1,250.00. The agent also said they would handle the 2 tickets totaling 1K. FAST FORWARD TO 2010 in my state, the county did a scofflaw sweep and I was summoned to court with over 5 thousand other delinquent drivers to address unpaid tickets. The order was come to court by April 30th or be arrested. Realizing this had to be a mistake, but fearful of the law, I stood in line for over 5 hours in blazing heat, then sat in court another 5 hours waiting for my day in court. I was immediately threatened with arrest because the 2 tickets were not paid. Up to that moment, I had no idea the insurance company had not paid the 2 tickets. This time, not only was my insurance and registration cancelled, my license was suspended due to the age of the infraction (5 years). In front of the judge, I called the agents' office only to be told by the secretary that they had no intention to pay the ticket. Paying to get the car out of impound was enough. When the judge heard this she was shocked and let me off with a promise to pay in 5 days. She made me promise not to drive. With no way to get home but drive, I took a chance, and was pulled over. The officer informed me that due to the vast number of outstanding cases, tags bearing our county name would be targeted for a while (talk about a police state!). I showed him my documents from the court and headed home. This is a nightmare. Would I have a case if I filed suit against my insurance company for failing in their fiduciary responsibility to a 16 year client in good standing? By the way this company is one of the largest in the country.""
Car Insurance need advice?
I have one car with 24 years no claims and am going to be the policy holder for my sons car. Can i put down that i have 24 years no claims or do i have to start again (in the sense put 0 down??)Im quite confused by the process as i haven't had to do this before, also it is very difficult for him to afford insurance if we don't do it this way so if anyone knows of any good cheap insurance companies""
What happens if you lie to a new car insurance provider?
I was cancelled for reasons out of my hands, apparently the insurance person didn't record I had spoken to them during a conversation. So my broker cancelled my insurance. Now everywhere I go they want to charge me a lot more for thsi cancellation and I can't get through to my company to try to have the cancellation revoked. What happens if I apply to another car insurance company and say i wasn't cancelled. I pay ontime there's nothing wrong, are they going to find out about the previous company somehow?""
""As a provisional licence holder, where is cheapest to get a insurance quote for a 206 hdi 1.9 HELPPPPPPPPPP!?""
as a provisional licence holder, where is cheapest to get a insurance quote for a 206 hdi 1.9 HELPPPPPPPPPP!""
Why should my family's insurance go up if i get a car?
I'm 17 and am currently on my parents insurance plan, so there are 3 of us with only 2 cars. I'm listed on the truck, b/c it has more horsepower. I'm about to buy a '92 Prelude, and they said the insurance would go up about $122 for 6 months. This doesn't seem too bad, but if i'm now driving my own cheap car, why is that a greater risk than driving the truck with full coverage, not just liability? It seems like it should almost go down, because there's a lower chance that i will crash up one of the more expensive/higher hp cars. Is that just the way it works or is there a better option for me? My agent also said my own policy would make it even more expensive, which i could see, because we wouldn't get the multiple driver or car discount.""
Auto insurance for a teen learner driver ?
My 17 year old has her instructional learner's permit (did the driver education, passed the written DMV test, had in car-driver training and is now working towards her 50 hours of in-car practise with us before she can take her driving test). I am confused about whether we need to add her to our auto-insurance. The driver training school says no , she is covered under our insurance already and besides, you can't get auto-insurance until you pass your test. The Auto Club, however, says she has to be added (but then they'd make money so I'm not surprised they say that). We are in California. If anyone can clarify things for me, that would be great ! Thanks.""
Do you need car insurance if you're bonded?
If I have a SR22 bond do I need car insurance as well? I've heard about them letters the BMV sends out and I don't wanna lose my license if they ask if my car is insured.
Cheap reliable cars that have cheap car insurance?
Thank you
Insurance pre-existing injury?
I took the ACL surgery, I had the insurance but I paid 100% because it was pre-existing. My question is: if 6 months later , I play soccer, still have that insurance and get my ACL torn again, Will the insurance company consider it as a new injury and pay for the surgery, because it is completely healed after 6mos, OR they won't because the injury is on the same knee and I still have to pay 100% of the surgery. Thank you very much.""
searching for affordable health insurance
searching for affordable health insurance
https://www.linkedin.com/pulse/aaa-affordable-insurance-watertown-ma-jose-silva/"
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Can someone recommend a good and affordable dental plan?
"Can someone recommend a good and affordable dental plan?
I'm trying to find a good dental insurance that is very affordable for a middle/lower class citizen like myself. Can somebody recommend anything for somebody in my case?
BEST ANSWER: Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr
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Will I considered to drive a car without insurance?
Hi. I been driving without insurance for months because my mom told me to wait until her insurance expired and will add me to her policy in june. My mom add me to her policy a few days ago and my car insurance will only start valid on june 2, 2013. Yesterday, I was pulled over and got a ticket. Will I considered to drive a car without insurance? My mom was very mad at me because I didn't get any ticket for months and not involve in any accidents and now only 10 days until my car insurance valid, I got a ticket. Please help, I don't want to have 2 violation case especially drive without car insurance""
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When I went to Ireland in 2010 and other previous years, I did not get collision insurance on my rental car as it was covered by my credit card. My World MasterCard no longers offers this coverage. Does anyone know a credit card that does?""
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BEST HEALTH INSURANCE FOR SICKLY...WITH A MINIMUM COLLEGE EDUCATION-?
22 y/o and have Cystic Fibrosis its a genetic disease (debilitating lung disease) Eventually kills you, supposedly by age 38 yeah yeah i know. right now i'm on Disability because i need Medicare and Medicaid to cover my expenses. And unable to work do to health conditions at the moment. BUT i want to work when i am able, and i do have my associates and want to obtain my bachelors degree. WHAT JOB (probably for the Union or Governemnt) can i get that has GOOD health Insurance that will not strain my health. ( I cannot work in medical field due too freq. lung infections) My Yearly Bills add up to at a minimun $50,000 and if i go in the hospital several times a year over $100,000.. also have monthly bills for antibiotics, and hospital and doctor visits, testing ECT. If i ever get or need a double lung transplant that costs over $500,000 and i need the medical to pay for it when that day arrives. I DO NOT want sympathy i need people to understand my condition and can point me in the right direction. I hate taking peoples hard earned cash, and i will not do it when i don't need to. I am not on my death bed yet and do not need to be on it the rest of my life.""
Can someone recommend a good and affordable dental plan?
I'm trying to find a good dental insurance that is very affordable for a middle/lower class citizen like myself. Can somebody recommend anything for somebody in my case?
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My twins are 2.5 years old, and because of changes in our employments, currently do not have health insurance. When we did it didn't cover much, but it did cover yearly checkups. ...show more""
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How much does insurance cost for a chimney sweep business?
I am starting a chimney sweep company and I was wondering what is an average cost to have insurance for the business (bonus points if you can say all of the types of insurance I might need) I know the standard answer is to say there is no way of knowing since this all depends on a number of factors but I literally have no clue what it would cost so ANY estimate or guess is appreciated. The business will be in Maryland and have just 1 employee with revenue I am guessing would be about 60,000 a year if that helps.""
Can anyone suggest a cheap car insurance company?
I have used all the comparison sites, so please dont suggest them. If anyone knows of any other company for cheap car insurance please advise.""
What company offers the cheapest auto insurace?
Help!!!I My car insurance is $432.00 a month! My husband has gotten 3 speeding tickets within the past year and our car insurance has sky rocketed. We currently have Geico Insurance and I have gotten a few more qoutes from different companies but nothing has been cheaper. Besides the obvious advise (SLOW DOWN), does anyone know what we can do to lower our monthly premium?""
How much do you pay per month for your car insurance and gas?
How much do you pay per month for your car insurance and gas?
How can i get relatively cheap car insurance?
I'm 17 and just passed my test as you know first time drivers is extremely expensive to insure. As none of my parents drive I cannot go onto their policy so I'm having to start my own policy where the prices are ridiculous for an old car, but my friends have been telling me how there siblings etc. have started there own policies for as little as 1800 an this is their first year driving when all i can find is stupid prices such as 18,000 can anyone help please, please please!""
California New Driver Law penalty?
My son just got his drivers license in California. I'm trying to get him to understand the penalty of driving with other kids in the car, when he's not allowed to. Does anyone know the penalty for doing so? How much is the ticket, what it could do to his insurance, etc.? Thanks everyone""
Who has the cheapest car insurance?
Who has the cheapest car insurance?
Can the car insurance find out that I have been in a car accident?
I have just gotten a new job and I said I havent been in a car accident, but I did twice. Are they gonna find out about it when they add me in their car insurance?""
Do i need personal car insurance to drive an ambulance?
Im going to school to be an emt and i know that at some point, as scary as it is, i will have to drive an ambulance but i wanted to know how or if it would affect my personal car insurance or if the company i worked for even needed my car insurance. For example: what if i had a valid drivers license but did not have a car of my own to even have insurance? How does that work? Currently i do not own a car because i have been a full time student for a few years living on campus so thats why im asking..""
""If a driver dies, does his family's insurance go up?""
I know it seems like a stupid question, but think about it. I share my insurance with my family, I'm added as an occasional driver to keep my costs low. If I were to die (Heaven forbid) in a car wreck, would my family's insurance go up? I'm just curious, and we are through Country if that makes any difference.""
What company offers the cheapest insurance?
I am looking to buy an insurance policy for my car. It is a 1999 Mercury cougar, I have a perfect driving record, and I am an honor roll student at the University i attend. I drive the car about 20 miles weekly, so i'm looking for something ultra cheap. Something to get quotes online with the otion to purchase online is preferred, as i live in a small town with not many insurance companies available. Cheapest car insurance rate wins! PS I want state minimum insurance.""
Does MaineCare Insurance cover full set of braces for teens at 14?
I'm 14 year old girl and I need a full set of braces and I overheard my parents .. I have Mainecare insurance and I was wondering does maine care insurance cover full set of braces?
How much does it cost to insure a 1991 camaro z28?
I have a white 1991 camaro z28 and I need to put it up on insurance to get me going around. Only problem is my parents dont want to hold my insurance and im only 18. How much would it be to insure it on my own? The car is 5.0 Liter, 2 door, white. I turn 19 on christmas if that information helps. Can i get historic plates on the car?""
How much to insure a classic bus?
i'm a mild bus enthusiast, and would quite like to buy a preserved vehicle. and i was wondering how much it would cost to insure the vehicle for pleasure purposes only, and how much it would cost to run. fuel figures and what not, tax and mot. also, what are the complications in being 17, like max people to carry and whatever. cheers ;)""
What is the best manual transmission car to purchase for a 16 year old regarding low insurance cost?
When it comes to auto insurance (state of California) which car would be best to purchase used or new for a 16 year old which would be a manual transmission. We all know insurance for a minor is outragous and we would like to train our young adult on a stick first so they know how to drive both stick and automatic in their adult life. What car do you think new or used would be the best on auto insurance? Please be specific on the make and model of the car? Thank in advance for your answers
Do you pay car insurance every month or every six months?
Need it for the class I'm in now. Help quick!
Question about auto insurance?
I'm 16 and have my license and my own truck that i am the primary driver on, but i'm also the secondary driver on my dads truck does that make my insurance cost more by being the secondary driver?""
How much car insurance coverage do I really need?
I am paying a mortgage on a house, and am about to get married...I don't own much else.""
How much is insurance for the Acura RSX?
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What is the difference between term insurance and whole life insurance?
What is the difference between term insurance and whole life insurance?
If you are in the military does your car insurance rate go down?
If you are in the military does your car insurance rate go down?
How much would my car insurance cost?
I'm trying to find about how much my car insurance would cost and none of the insurance website would give me a quote for some reason. I'm a 17 year old female who has a 2003 saab 9-5 (4 door) who's never been in an accident and who took drivers ed.
How much does Mexico Insurance cost for SUV 1 Day Trip?
We are going for a day trip to Juarez, Mexico to do some shopping and that is it. Could risk not having the insurance and may do that. If I decide to purchase insurance how much approximately should it cost for an SUV one day trip? How much approximately for a 4-door one day trip? If you are marketing something don't respond I don't want your unbiased sales pitch. Are any of the online companies reputable? if so, who?""
Can someone recommend a good and affordable dental plan?
I'm trying to find a good dental insurance that is very affordable for a middle/lower class citizen like myself. Can somebody recommend anything for somebody in my case?
Health insurance for a pregnant college student?
Okay, so my baby is due in August, and that will be in between semesters. so the only way that my parents insurance will cover me is if I am still considered a full time student, which means I'd have to be enrolled in the next fall semester. By then my baby would only be a month old, and my university is 4 hours away from my mom. so my question is: what other ways could i get health insurance? is there a good online school that i could do, and would i be considered a full time student if i took online classes? and/or what companies offer health insurance benefits and what do you have to do to be eligible? thanks!""
""Im looking for affordable whole life insurance for myself and my husband, we are on a fixed income.?
our ages are male 42 and female 41
How strict is Humana health insurance with pre-existing conditions?
I've had acne since my teens but it's really been bothering me lately psychologically and hurting alot when trying to sleep on my back from cysts. Also sometimes minor acne on my face has been causing permanent scars. I want to go to the dermatologist and see if I can get accutane, but I just got my health insurance beginning of the year and had no creditable coverage before that. According to their written policy, I might not be eligible since I actually went to the doctor and got antibiotics for acne less than 24 months before enrollment in the health plan. I would like to say that the condition manifested itself in the past month psychologically which caused me to seek out accutane, which is true. Should I even mention my past diagnosis can they check it somehow? I really don't want to pay $3000 out of pocket for accutane, but I feel I really need to do this now for my own well being. What should I say to the doctor, how much will they investigate preexisting condition""
Where can i locate Leaders speciality auto insurance?
Where can i locate Leaders speciality auto insurance?
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Hello, I am 16 years old and I am thinking about getting a Toyota supra (probably the twin turbo, but at least the v 6 ge engine) for my first car between 1995 and 97. I was wondering what kind of insurance rates I should expect? I have heard about collectors insurance being really cheap, but I dont believe that covers the liability insurance. Remember, the car is right-hand drive, a sports car, I am 16 and a male, I expect the insurance rates to be incredibly high, I just want to know an approximate number. I would appreciate some recommendations as to which broker to use or alternate suggestions! I also understand that I am too young to get collectors insurance on the car, however, I believe that, because it is a different type of insurance, my dad can put himself as the primary driver of the car to save money (he already has a car, but I believe that the insurance company would be fine with him having a summer car XD""
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I've gotten one speeding ticket 2 years ago but took defensive driving. I don't feel like taking it again but am willing to if there's a hike in my insurance. I'm in ...show more
Insurance. What do I need to sell Term Insurance in California?
Insurance. What do I need to sell Term Insurance in California?
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Does Allstate use insurance credit scores ?
My score is good, just curious. Another unrelated question: My insurance has gone up the last 2 times after going down every 6 months for a few years. I cant find any reason for it on my end. Is everyones rate going up at allstate ?""
""Do I have a conviction, car insurance?""
I had my car licence for less than 2 years and went out to view a car, I was offered a test drive which I accepted. The police pulled me over and I was done for not having any car insurance, stupid of me but I never thought, my full licence was revoked and I had to start all over a gain on a provisional licence and also received a heavy fine. I reset my test again and passed and when I am asking for insurance I am asked for any convictions, I have not got a conviction on my licence or any points, my friend says I have been punished already by having my licence taken off me and re sitting my test again, and paying a fine. I now have had my full licence for 1 year instead of 3 years, what am I supposed to declare my licence is clean?""
Medical insurance questions?
I've been considering on going to a psychologist, however I do not want my parents to find out. I still live with them and I am going to be 22 soon. I am still under their insurance. I have the means to go out on my own and I can pay the copay on my own. I am not sure how it works when you use insurance. Will my parents be able to find out through my insurance? (For example, will insurance alert them in any way?)""
Least cost in teen insurance for either buying or leasing a car in NY?
Am i better off leasing a new or used car like a honda accord, toyota corolla or is it cheaper for the insurance to buy an Audi a3""
Best Averaged sized car for a teenager?
So I'm going for my license soon and we're starting to look at cars to get me around. I want something that's pretty easy on gas, reliable, easy on car insurance cost, doesn't cost an arm and a leg but ALSO isn't a tiny car like the Chevy Aveo because most of the people in my family are pretty tall for instance my mom is 5'9 I'm 5'7 /5'8 and my other sisters are also about the same height. I've been thinking about the Prius because I hear it's got some leg room and is easy on gas, but people say that batteries are more harmful than regular ones and all this jazz. Then I thought about the Honda Insight but I heard that the headroom in the back is not comfortable. I was thinking the Hyundai Sonata, but the only model I really like is the 2011 and I don't think the insurance company takes kindly to teenagers driving new cars. I would prefer not too big or long a car like the Toyota Avalon, but it's manageable. Any suggestions?""
Car insurance advice please?
ok a year ago my hubby had a car accident, it still isn't settled and just had a renewal for our car insurance, more than double what it was last year, they've said its because they've took off the no claims because they don't know which way the claim will go, even though we've been advised that we will win, the only thing i think is wrong is that were no claiming on the car insurance were claiming through a solicitor..can someone help me here i don't know what to do""
Car insurance?
I have been looking about getting a small car and i was just wondering how much younger people have paid for their insurance. Im 18 and it is really high and i was wondering if it was like this for everyone??
""On average what would cost more, Universal Health care or Insurance premiums?
per person which would cost more?
Does anyone know a cheap car insurance company for Irish drivers (irish driving licence) in London?
Hi, i moved recently from ireland to London and I need to know if anyone knows of a cheap car insurance company in london accept Irish driving licence (7 years no claim bonus from ireland)? I have tried all of the comparison sites, the cheapest is over 1000 pound please help Thank you""
""16 year old guys, how much do you pay in auto insurance every month?""
im tired of filling out online quote forms, just so it can tell me to call a customer service rep. i dont even have a car yet, but im planning on getting one, and im just wondering what the average for 16 year old guys is for auto insurance how much do you pay for insurance per month, how old are you, what do you drive? is it like $150, $200, $250, $300""
Approximate monthly premium for State Unemployment insurance and the coverage?
1) My employer is in California and I have been working in Illinois for 8 years until last month for the client of my employer. My family is myself, spouse and two kids. The contract with the client is over and my employer might terminate me. In this case, should I file for unemployment insurance in California or in Illinois? 2)What is the approximate monthly premium to be paid for state unemployment insurance? 3)what things will be covered by this insurance? If various factors would affect the answers for the above questions, please try your best to give approximate estimation for the monthly premium and coverage details. Thanks.""
Auto Insurance?
Can a person have auto insurance in one state but live in another?
How much it costs for car insurance in london for 20 yrs old?
How much it costs for car insurance in london for 20 yrs old?
Someone crashed into me will their insurance pay for my car?
So I was going down a main street when this guy passed the stop sign. We made a police report and he took the blame but the cop wanted to blame it on me. Now the other car has insurance but it wasn't the guys car. Will their insurance still pay for mine. Some one please answer quick.
Best Dental Insurance Plan?
Hey Yahoo! Answers Readers, I am 26 years-old and unfortunately have a terrible smile with bad teeth. I am in need of major dental work. [Fillings, crowns, extractions, etc.] Does anyone know of what the best insurance plan would be for me? Please help me find plans that do not require waiting periods, so I can get work done ASAP! I live in Florida. I briefly checked out the new Government Marketplace, but I wasn't sure if any of the dental plans allowed immediate restorative services. Also, from what I briefly read, most of the plans only pay like a Maximum of $1000 per calendar year, which really isn't very much. Dental work costs a lot of money! Thanks for your help guys! -Zach :)""
Confused about health insurance?
I just found out I was pregnant an plan to make an appointment soon I am confused about how health insurance works this is the first time I have done this by myself....I know you have a co-pay and insurance pays the rest but do the insurance company bill you anything in the mail?
Can we get car insurance with two different companies?
My mom and dad have their cars insured with one insurance company, we are going to get another car and wanted to have my mom as the primary driver and me as an occasional. The problem is the rates are really high for an occasional driver when you have three cars. Is it legal for my mom and me get insurance with a different company? Can my mom be insured with two companies for two different cars?""
Can someone recommend a good and affordable dental plan?
I'm trying to find a good dental insurance that is very affordable for a middle/lower class citizen like myself. Can somebody recommend anything for somebody in my case?
https://www.linkedin.com/pulse/when-getting-quote-from-car-insurance-place-do-add-you-henderson"
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Car insurance at parents address or rented?
"Car insurance at parents address or rented?
I am currently down on a rental property contract at my boyfriends rented house, however he is the head tenant and I am down as being at the property, I still live with my parents and am there half of the time and my drivers license, finance info, bank statements and everything else go there, however I am not sure if I am registered at my parents and boyfriends, which I assume I am because my mum still puts me down on the electoral poll. I plan to use my parents address as my registered address however it asks where the car will be kept overnight, and there is not one set place, if I use my parents the insurance is cheaper and if I use my boyfriends it's 100pound more. Can anyone advise me on what address to do? As I am at both addresses different times of the week. Thanks
BEST ANSWER: Try this site where you can compare quotes: : http://financeandcreditsolution.xyz/index.html?src=tumblr
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How do I get insurance for every 6 months? Like do I pay a small amount every month? Is it better to call local insurances from yellow pages or the other like State Farm, progressive etc""
If I take my drivers licence test do I have to be put on my moms insurance?
My mom wont let me take the test to get my licence because she said that she cant afford to put me on her insurance. Is there anyway that I can get my licence with out insurance. I wont actually be driving her car, I just want to have my licence before I graduate in 2 months. If I wait until college, I wont be able to afford to take the test, nor will I have a car to use for the test. (I'm moving up state) Is there anyway that I can just get my licence?""
What is the safest cheapest car to buy and also for cheapest insurance as a first car?
What is the safest cheapest car to buy and also for cheapest insurance as a first car?
Pregnancy Health Insurance??!?
I just moved to California a week ago and I am currently 18 weeks pregnant with no health insurance. Ive made a few calls and tried to look at all of my options but I want to take the best route, especially since I need to have my next appointment very soon to find out the sex of the baby and how everything is going......advice?!!""
No insurance on used car?
i bought a used car on a Wednesday the guy i bought the car from only gave me a bill of sale had no registration on the car. i left with the car i got pulled over for speeding 72 on 55 it was a stick shift and i didnt really think i was going that fast and that same day and i had no insurance on the car the cop gave me the ticket for speeding and for no proof of insurance and he let me go. then i sold the car 2 days later on friday to make a quick buck out of it. my question is if i sold the car can i still get fined for the no insurance if i don't have the car any more. hopefully the judge waves it and just fines me for the speeding i live in california
Car accident without insurance?
So today I rear ended a 2011 Honda Civ, a small strach [sp], some paint missing and a possible dent. My car on the other hand suffered some significant damage. Now as we were preparing to exchange info, I find out my car doesn't have insurance (its my parents and I wasn't informed) and I told her I will pay for damages and apologized, etc. Now I asked how much would it cost, etc. Her insurance company told her I would have to pay $20+ per day for her rental car how ever many days its in the shop. That I can handle. But say worse case scenarios: How much would it cost to replace a back bumper for a 2011 honda civ? Or to fix a dent, color, paint, etc? Has this happened to anyone else without insurance, etc?""
Is there insurance for?
is there insurance for rabbits or is it just for cats and dogs? my rabbit is about 3 years old and want to get some insurance for her if i can.
Benefits on no Claims on car Insurance?
to the insurer, would you appear as a safe risk? would your future insurance be cheaper? thoughts pls""
Car insurance at parents address or rented?
I am currently down on a rental property contract at my boyfriends rented house, however he is the head tenant and I am down as being at the property, I still live with my parents and am there half of the time and my drivers license, finance info, bank statements and everything else go there, however I am not sure if I am registered at my parents and boyfriends, which I assume I am because my mum still puts me down on the electoral poll. I plan to use my parents address as my registered address however it asks where the car will be kept overnight, and there is not one set place, if I use my parents the insurance is cheaper and if I use my boyfriends it's 100pound more. Can anyone advise me on what address to do? As I am at both addresses different times of the week. Thanks
How much is insurance for a crotch rocket (600cc)?
I'm a teenager looking to purchase a crotch rocket (by definition) in the next 6 months, and after googling it and coming up with incredibly high prices, I thought there had to be cheaper insurance. Can anybody provide me with information on how much liability insurance would be for a teenager for a crotch rocket 600cc (not a new one; probably anywhere from '95 - '05). I have no tickets, or wrecks, etc, etc. I would be willing to take a drivers school, etc, etc, whatever I had to do, to lower the insurance. Thanks.""
Roughly how much is car insurance for a peugeot??
please help, i only want roughly""
What is the best way to compare auto insurance quotes?
I am needing to find new car insurance, and I of course would like to shop around for the best deal. Can anyone recommend a good site that will compile your information and give you multiple accurate quotes from different companies? I am leery to enter my information into a third party database, so confidentiality, professionalism and no spam is a must. Thank you!""
Rental Car Insurance: Texas. How Do I Avoid Paying $23/Day?
In Texas renting a car. Back in California you rent a car, then you can either get 3 choices: I don't want insurance . This means its on you. They can't foce you to insure the car. $11/day . This covers the rental car only and not the damage you may do to other cars or property. $22/day . Full coverage. Covers anything that can happen. Now I live in Texas. And Dollar, Enterprise, Hertz...tell me the same thing... If you do not have your own car insurance, you must pay $23 per day for insurance which covers everything . How do I avoid this? Seems very expensive for a several week long rental....insurance costs as much as the car.""
Does any one know a really cheap car insurer for young drivers?
i need insurance quick. does any1 know areally cheap insurer?
Motorcycle insurance for an 18 year old?
Realistically, how much would insurance be per year on a 600 cc sportbike for an 18 year old male with no car accidents(if that matters at all)? And what about any other costs? Thanks""
Health and travel insurance for the US?
Hi, I am a British student undertaking an internship in the U.S for 6 weeks this summer. I need Health insurance that complies with the requirements for the J-1 Visa, and though I have found a company that can help me (http://www.isoa.org/compare_plans.aspx) with Health insurance, they don't offer any travel insurance. The companies that I have found for travel insurance don't tend to provide the level of Health insurance that I require. Do people normally take out 2 seperate policies when travelling to the U.S? (e.g. one health, one travel?) If so, can anyone find me somewhere that provides travel insurance to the U.S without health insurance included? Thanks!""
How much does health insurance usually cost someone in their 20's?
How much does health insurance usually cost someone in their 20's?
Average health insurance COVERAGE?
I need to do a little research on this, I'm not interested on how much you PAY, but how much your insurance will COVER for hospital stays, surgeries, lab tests, etc. Example: if you stayed in the hospital for 2 weeks, up to how much will your company cover (after your deductible)?""
How much is it to add 16 year old girl to car insurance that is a good student.?
good student discount
Looking to get health insurance for first time.?
Am looking at some individual health insurance am a student I wanted to know is insurance pay as you go or do I have to sign a contract saying Youll be with them for a certain amount of time?
How to get only eye insurance in new jersey ?
Hi , I have bcbs nj health insurance independently , not from my employer , but they dont provide eye insurance indepently , it should only be from an employer , ......pls someone suggest other insurances where they provide only eye coverage like UNITED or GURDIAN etc""
What is the cheapest insurance for a new driver with sports car (97 camero)?
About how much can I expect to pay???
Any 1 want life insurance or mediclaim?
v r giving best service with lower price...
How much does car insurance for a teenager cost approx. per year in Nova Scotia Canada (all answers welcome!)?
Hello, I am on the verge of entering Drivers Ed. and was wondering how much the insurance would be per year if you own your own car, and being a teenager who just got their license. I know it will be a larger number, and you may not know it exactly, and even if you're not from NS, all answers are welcome. I was just looking for a range/estimates. Thanks in advance :)""
Does car insurance really go down when you get married?
I have heard that insurance goes down once you get married. Is this true? If it is, how much? Is it significan't? Do you have to be married before you turn 25 for this to apply? I have heard so many conflicting answers. Help??..""
Best Term Insurance plan ? Should I take Term Insurance Plans ? I am of age 28 years ?
What are term insurance plans.. what do they cover, do they cover any accidental disability, or medical disability, or natural death or do they cover only sudden death like death from accident or murder or calamity death etc? Please elaborate. Also tell which are best term insurance plans in india ?""
Driving without insurance?
Hi guys police gave me citation for not having insurance paper with me its registered under my cousin name we live the same address the car is insured but i don't have insurance if i go court and show car insurance they will give me ticket or what thank you.
What is the cheapest car insurance?
im 16, and my mom is making me pay for insurance for my new car. i was just wondering because my job isnt that good and moneys hard to come by these days...""
What are some really good auto insurance companies?
I just turned 18 and my parents are basically kicking me off the insurance. i need some good but affordable car insurance (full coverage) What insurance company are you with and about how much is it a month for 1 driver?
What is the basic kind of insurance required by California Law?
What kind of insurance covers something like another driver hitting your car door, and then driving off before you could get their license plate # what is comprehensive , and what is collision, ?""
Does you're engine being a V-8 vs a V-6 matter in what u pay for insurance?
i'm 16 and want to buy a white mustang, i'll spend the extra money for the V-8 but i don't know if it will increase my insurance costs, will it?""
How does paying for car insurance monthly work?
im thinking of taking out a policy with co-operative insurance. The cost is 2300 per year , but they want 700 up front and the rest to be payed in ten monthly installments. When would i start paying the monthly installments , would it be straight away?""
Car Rental USA Insurance?
I am getting really annoyed with trying to get a quote for car rental in USA. For basic rental I have been quoted $200. But then there are all the insurances: Loss Damage Waiver (LDW) Supplemental Liability Insurance (SLI) Personal Accident and Effects (PAE) What do I actually need to have as they are really expensive!!! Adding just the first two takes my rental up to $500. I am very confused. What legally do I have to have? Someone told me the US insurance is strange cos you can get sued for an accident and end up paying thousands of dollars out to the person you hit. Can I just get insurance through my own car insurance here in the UK rather than paying $300 dollars??
Where can I find the best family health insurance coverage for the right price?
I am working for a small landscaping company that does not offer insurance. I am married with two kids, both under 2 yrs of age, and my wife has a pre-existing condition of asthma. Can someone help me find a good insurance coverage for a reasonable price and also accepts pre-existing conditions? Any idea on an average cost?""
Car insurance at parents address or rented?
I am currently down on a rental property contract at my boyfriends rented house, however he is the head tenant and I am down as being at the property, I still live with my parents and am there half of the time and my drivers license, finance info, bank statements and everything else go there, however I am not sure if I am registered at my parents and boyfriends, which I assume I am because my mum still puts me down on the electoral poll. I plan to use my parents address as my registered address however it asks where the car will be kept overnight, and there is not one set place, if I use my parents the insurance is cheaper and if I use my boyfriends it's 100pound more. Can anyone advise me on what address to do? As I am at both addresses different times of the week. Thanks
How much do you think my first year of insurance would cost with a v8 engine as my first car in new york?
If i am 16 how much (average) would my first year of car insurance in New York cost if i get an 8 cylinder 5 speed car?
How long can you go without car insurance in Michigan before becoming high risk?
I just got screwed by my insurance place, and i want to cancel my policy immediately, but i won't be able to get car insurance again for at least a week. How long until i would become high risk in Michigan?""
Adding new auto insurance to my existing policy?
I live in Oklahoma, my wifes parents just cancelled all the kids auto insurance, I'm going to get my wifes insurance on my policy but I was wondering if we could add her brothers and sister to ours as well? They're young and are having a hard time paying bills the way it is. I thought if I put them on ours then they would get a little discount. They don't live with us. Is that a requirement? Any help would be appreciated, thanks.""
Vw lupo gti insurance!!?
hi there, im nearly 17 in a few days and i want to buy a VW Lupo GTI for my first car but im not sure how much the insurance will cost because it is a GTI. does anyone have any ideas how much it will cost????? thanks :)""
What do small business owners usually get for affordable health & dental insurance for themselves?
What do small business owners usually get for affordable health & dental insurance for themselves?
""How much Unemployment Insurance if I made $50,000?""
How much money would I get from UI(Unemployment Insurance) if I made $50,000 Annually? I live in California, and I know the max is $450 a week. But I have a feeling that $50,000 doesn't qualify for the max. So how much do you think one person would qualify for if they made $50,000 Salary.""
""Ok, car insurance questions..?""
we have car insurance through a really CHEAP company, not a big name one. When we signed up, the do the multi car thing, but they add all the cars under one name and the others as drivers. We had a relative come stay with us, and they added their car and name to our policy, than they moved and registerd the car else where, the policy is under our name, with them as a driver, is this legal? what should we be doing, the policy is good for like 6 months .""
What are average caar insurance prices for an 18 year old?
just need some numbers for the price for the whole yaer
Hey looking to get my first car and pay for my first car insurance?
I'm 19 living in lake forest California looking to buy this car http://mobile.carsforsale.com/details.aspx?vid=164720610 Does anyone know how much my insurance might be ?
How expensive would a liability insurance policy be for a Companion business?
I'm thinking of starting up a Companion business in Connecticut. It will be just me and I will not be doing anything medical. The State of Connecticut doesn't require me to become licensed if it's just me but I would like to have a general liability policy anyway. I would love it if I could some helpful information. Thanks, Cathy""
""I'm pregnant, without insurance, and desperate, HELP!?""
Just this Monday I found out I was pregnant. Two Clear Blue PREGNANT's, and I was bawling in the Target bathroom. I all ready have two children, both of which are on ALL Kids because my husband didn't want to keep our health insurance last year due to the rising costs (like, it kept going up $100/year, and towards the end, we were paying $500/month). So now I'm pregnant, no health insurance, and pretty much stressing out over it. I will apply for SOBRA Medicaid (something I found on Alabama's Department of Health site) after my doctor's appointment next Wednesday, but if they don't accept me, then I don't know what else to do. Giving my baby away is not an option, neither is abortion. I will love this baby no matter what happens. I just need some reassurance or something to keep myself from stressing out and crying all the time over worrying about money. I totally got screwed over by something called Direct Med and will be calling them tomorrow to try to get my money back. I did that out of desperation and plain stupidity. A little help, please?""
A question about health insurance...?
Newly married and never had to pay for health insurance on my own before. What is a good price, through work, for health insurance benefits?""
California Health Insurance. 22 living with parents?
I recently graduated from university and have a job, but don't make that much money. I am currently living with my parents. My dad is 58 and makes 55k-ish a year. My stepmom is 60 and doesn't work. My 24 year old brother makes about 12k a year. Both me and my brother are both in debt from school. I can be on my dad's health insurance plan but it's too expensive. I think he claims me and my stepmom as dependents. What are my health insurance options? Any advice would be great. The more details the better.""
Is there a dental insurance available for the self-employed?
I am a at home caregiver and I need a dental insurance that is affordable and covers most procedures...please help
How much is the average car insurance if I'm 18?
How much is the average car insurance if I'm 18?
Should I have my own insurance while using someone else's car?
The other person owns the car and has it insured in his name but is allowing me to use it until I can get another car. Should I or even can I have my own insurance policy on his car? I live in Michigan and my previous car was hit and totaled. Trying to buy/finance another car after only working full time again since Feb. is near impossible.
Switching Auto insurance company?
Hi, I want to switch my auto insurance company to a cheaper company. my renewable starts Sept 25, can i cancel my current insurance and switch to a new cheaper one now?""
How much does insurance increase for a teen with an old car?
I was doing some research to buy my own car. I wanted either a 1976 dodge Monaco or a 1989 Chevy caprice. My question is, if I am 17 years old and I had this car, what is a rough estimate of how much my dads insurance will increase? I figure old cars and young drivers don't mix well but I need to know. Also, I have never gotten in any accident or received any tickets and I don't even remember the last time my parents crashed or got a ticket if that helps. Shanks""
I was in a car wreck how much should i ask for from insurance company?
i had to go to the hospital for whiplash very painfull also missed over a week of work they are paying for the repairs top my car but what about me .........i was sitting at a red light and this chick crashed in to me from behind
Female teen car insurance cost?
I am 17. I took drivers ed which gives me some discount on my insurance and get good grades. Would this give me a discount? I would like to know how much it would be for me to get insured on my parents insurance as a secondary driver. As well, i will have my own car, but since i am an only child there will be three cars and three people, so can i still be put down as a secondary driver ?""
Temporary car insurance for Provisional License holders?
Is there a company who offer provisional car insurance for only a short amount of time? I am taking my test in December, and feel that it would be useful to be able to drive at home as well as in my weekly lessons - but can't afford the full whack right now. Can I get insured for just a few months until I pass my test?""
Can my car insurance still charge me for a car I do not have anymore?
I'm confused. I no longer have this car, it got vandalised and written off. It says in my contract I can cancel I did but they have taken out another payment I haven't had the car since October 22nd Not only that in they said to me I they will take out the remaining payments from the cheque they pay me from my car, it doesn't say this in the contract so why do I have to do it? Why should I pay for a car I no longer have? And why do I have to pay my voluntary and compulsory excess if someone damaged my car and it has been reported to police and on going investigation? I will speak to them tomorrow but I am confused now and looking for answers. Thank you""
Sex change versus Car Insurance?
if man changes to a woman would this affect his/her car insurance, would his insurance be cheaper or dearer?""
Car Insurance in CA - Question?
If my dad added me onto his insurance policy (Farmers) on one of our family cars, am I allowed to drive the other car as well? I believe that both cars are under the same policy, since the insurance company asked my mom which car she was driving when she was making a claim. Would I be allowed to drive both cars?""
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
Car insurance at parents address or rented?
I am currently down on a rental property contract at my boyfriends rented house, however he is the head tenant and I am down as being at the property, I still live with my parents and am there half of the time and my drivers license, finance info, bank statements and everything else go there, however I am not sure if I am registered at my parents and boyfriends, which I assume I am because my mum still puts me down on the electoral poll. I plan to use my parents address as my registered address however it asks where the car will be kept overnight, and there is not one set place, if I use my parents the insurance is cheaper and if I use my boyfriends it's 100pound more. Can anyone advise me on what address to do? As I am at both addresses different times of the week. Thanks
https://www.linkedin.com/pulse/dental-insurance-available-self-employed-thomas-crisp"
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Home Loans Purchase.
Get House Refinance For Bad Credit At Lowest Interest Rates ...! Ensure to ask what information they will be checking, and check into that info yourself. This scenario also provides you a brand-new breakeven point. Note that a few of the reduction in payments might reflect extending the due date on your loan rather than a lower rate of interest. Funding quantities based upon Certificate of Eligibility provided by Veterans Administration. If you choose a bank, credit union, or local home mortgage broker, you'll likely have several face-to-face conferences in their offices or your house. The August 2017 Report on Home Debt and Credit shows $784 billion in impressive charge card debt. As with bank loan officers, making a sale is how they earn money. Both the FHA and VA offer beneficial simplify refinancing programs to certifying debtors.
Bankrate is paid by financial institutions whenever users click on screen advertisements or on rate table listings enhanced with functions like logo designs, navigation links, and toll free numbers. As a basic guideline, refinancing may make good sense if you can reduce your monthly payments and cover the closing expenses within three years (typically). Due to the costs related to refinancing, the current interest rate should be at least 1% lower than the interest rate on your existing loan for re-financing to make sense. In scenarios where the borrower has both a first and second home loan, it prevails to combine these loans as part of the refinance process. This post discusses how the 30-year compares to other home loan items, advantages of the 30-year, and fess to prevent when selecting a 30-year home loan.
You can find one through the National Association of Mortgage Brokers. If this totally free calculator helps you then please offer a like, tweet, or +1 to support our effort. Once you input the data, the tool will determine your monthly cost savings, brand-new payment, life time cost savings and the number of months till you recover cost, considering the expenses of your re-finance. So many borrowers have currently refinanced at even lower rates that the pool of possible applicants is shrinking quickly. Mortgage Payment - The action or procedure of paying your mortgage lending institution - in this case on a month-to-month basis. That individual might be better off taking a standard home mortgage with lower priced personal home mortgage insurance coverage, even if their interest rate is a bit higher, he stated.
A POA must specifically mention that the file is to be utilized to re-finance or finance the purchase of realty, and it must indicate the property address (for VA loans, it must likewise specify to making use of your VA Privilege). For instance, he stated, although TD Bank can offer borrowers jumbo loans, brokers have far less access to jumbo products than they did before the real estate crash. how much does it cost to refinance a mortgage Our Home loan Banker will more than happy to respond to any concerns you might have and will likewise request extra documentation essential to process your application. But that figure includes families that are paying their credit debt completely every month as well as those that are bring a balance from month to month. Our comparison tool and guides will assist you discover the best offers for financing your business.
That was one of the outputs from the refinance calculator we discussed (the break even" estimate). A simple bank to suggest, particularly to those planning to refinance. Beyond requiring sufficient house equity (Believe: 20 percent for the very best rates), you're going to need evidence of income (2 recent pay stubs), copies of your possession details, two years of tax returns and more. There's a crazy misunderstanding that if it decreases your rate by 1% then you need to refinance," states Patti Frank, vice president at American Mortgage Group, a home loan company in Southampton, N.Y. If somebody has a $2 million or $3 million home mortgage it makes good sense, however if you have a $100,000 mortgage it doesn't." The refinancing process consists of closing costs, which vary from a couple thousands of dollars to upwards of $10,000.
Debtors with adjustable rate home mortgages (ARMs) who expect a considerable increase in the rate and payment at the next rate modification date might find it useful to re-finance into a fixed-rate home mortgage (FRM). VA loans are given out without a down payment, without personal mortgage insurance coverage, and without a second mortgage. After the preliminary fixed-rate period, your rates of interest can increase or reduce annually according to the then existing index. You 'd do a comparable estimation if you're considering consolidating a home. equity loan or other second home loan into your primary one. Its banking subsidiary, Charles Schwab Bank (member FDIC and an Equal Housing Loan provider), supplies deposit and lending services and products. Variable-rate mortgages are offered in loan amounts of $800,000 or higher.
To continue to this site, click the Continue button. Board of Governors of the Federal Reserve System (US), Commercial Bank Interest Rate on Credit Card Plans, Accounts Examined Interest TERMCBCCINTNS, recovered from FRED, Federal Reserve Bank of St. Louis;, September 7, 2017 rates of interest on accounts evaluated interest 14%: $10,000 14% = $1,400. The very best refinance companies all list their rates online these days. As soon as the set term ends the home loan rate and payment could move substantially higher. The precision of your Rocket Home loan re-finance option depends upon the details you go into. Spends for itself (TurboTax Self-Employed): Estimates based on deductible business expenses determined at the self-employment tax earnings rate (15%) for tax year 2016.
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Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
Replacing the 7.75% Government of India Savings Bonds, Government announced the Floating Rate Savings Bonds, 2020 (Taxable). What are the features and eligibility of this Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
What are Floating Rate Savings Bonds?
Usually, when you invest in Bonds, the coupon (interest) what you get is fixed throughout the period. However, in the case of floating rate bonds, the interest is not fixed and it changes as per the specified bond feature.
Hence, such bonds are sensitive to interest rate fluctuation. It is not like your typical Bank FD, where you know well in advance the interest rate payable by banks for the full FD tenure.
The term of the bond is fixed. However, if you are not interested to retain the bonds, then you can sell it in the secondary market at the prevailing price of the bond if such bonds are eligible to trade.
Government of India Floating Rate Savings Bonds, 2020 (Taxable) Features and Eligibility
In addition to above features, let me share certain important features of this bond.
# If holder of the bond turned NRI, then he can hold the bond up to maturity.
# The Bonds will be issued only in the electronic form and held at the credit of the holder in an account called Bond Ledger Account (BLA), opened with the Receiving Office.
# The interest on the bonds will be payable half-yearly from the date of the issue of the bond. Once on 30th June and another on 31st December yearly. As I mentioned above, there is no option of cumulate in this bond.
# The interest will change on a half-yearly basis starting from 1st January 2021. This interest rate is linked to the prevailing interest rate of NSC (Post Office National Savings Certificate)+35 BPS (100 BPS=Rs.1). Hence, the coupon rate of Floating Rate Savings Bonds, 2020 (Taxable) for the period of 1st July 2020 to 31st December 2020 is fixed at 7.15%. Because the current NSC interest rate is 6.8%+0.35%=7.15%.
Let us see the interest rate movement of the National Savings Certificate (NSC) from the year 2016 (where the Government started to announce the interest on a quarterly basis) to date. You noticed that it is falling slowly and in fact the current quarter fall was the steepest among all.
# Interest will be payable directly to the bond holder’s account.
# The bonds will repayable after the completion of 7 years. Premature withdrawal is allowed only for those whose age is 60 years and above subject to the submission of document relating to the date of birth proof. The minimum lock-in period for the age group 60 Yrs to 70 Yrs is 6 years. For 70 Yrs to 80 Yrs is 5 Yrs and for those whose age is beyond 80 years is 4 years.
# Even though you request for redemption as per your age slab, the redemption amount will be transferred with immediate next interest rate period. Hence, irrespective of your submission for premature withdrawal, Govt will process it either on 1st July or 1st January every year. Also, in such premature closure, Govt will deduct 50% of the last coupon payment.
Where to buy Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
You can buy the Government of India Floating Rate Savings Bonds, 2020 (Taxable) at the belowing banks.
Where to approach if you have an issue with your bank in Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
In case the issuing bank does not comply with the above, you may lodge a complaint in writing in the form provided at
the counter of the bank and address the same to the nearest office of Reserve Bank of India, as under:
THE REGIONAL DIRECTOR,
RESERVE BANK OF INDIA,
CONSUMER EDUCATION AND PROTECTION DEPARTMENT/ BANKING OMBUDSMAN (LOCATION)
You may also address your complaint to:
THE CHIEF GENERAL MANAGER
INTERNAL DEBT MANAGEMENT DEPARTMENT
RESERVE BANK OF INDIA, 23rd Floor
CENTRAL OFFICE, Shahid Bhagat Singh Marg,
MUMBAI-400 001
MAHARASHTRA
E- mail ID – [email protected]
Download Application form Government of India Floating Rate Savings Bonds, 2020 (Taxable)
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
# Interest Rate Risk:-As your interest is linked to NSC and the feature of this bond is floating, you can’t expect the constant stream of income. It fluctuates as and when there is an up and down in NSC rates. Do remember that the only difference is in the case fo NSC, the interest rate will change on a quarterly basis. However, in the case of this bond, it changes once in a half year.
# Liquidity:-Liquidity is the biggest risk in such bonds. Because the tenure is 7 years. Certain premature withdrawal option is available for senior citizens and that also with the minimum period of holding 4 years, it turned to the highly illiquid product. Remember that these bonds can’t be tradable or transferable.
# Sovereign Guarantee:-As these bonds are issued by Government, there is no question of default risk. Hence, safety-wise, such bonds carry the highest degree of safety.
# Boon for those who are looking for a constant stream of income:-This bond is a boon for those who are looking for a constant stream of income. However, if you consider the other available options like Post Office Senior Citizen Savings Schemes or Pradhan Mantri Vaya Vandana Yojana (PMVVY), I feel this product is less attractive.
# Taxation:-This bond income is taxable. Hence, this bond is best suitable for those who are at a lower tax bracket. Also, do remember that there is a TDS on the interest that you receive.
Conclusion:-Comparing the Pradhan Mantri Vaya Vandana Yojana 2020 (PMVVY) or Senior Citizen Savings Scheme (SCSS), I think this bond is less attractive. However, in the case of PMVVY and SCSS, there is a maximum limit. But in this bond, there is no such maximum limitation. A combination of PMVVY, SCSS, and Government Floating Rate Savings Bonds, 2020 (Taxable) may be the best choice for senior citizens.
Refer our latest posts:-
Latest Post Office Interest Rates July-Sept 2020
Covid Standard Health Policy or Corona Kavach Policy – Features and Benefits
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
How to create ONE CRORE Rupees from EPF?
Gold Price of Rs.18.75 in 1925 to Rs.47000 in 2020 – Should you invest?
EPF Interest Rate 2019 – 2020 – Historical interest rates from 1952 to 2019
The post Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest? appeared first on BasuNivesh.
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Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
Replacing the 7.75% Government of India Savings Bonds, Government announced the Floating Rate Savings Bonds, 2020 (Taxable). What are the features and eligibility of this Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
What are Floating Rate Savings Bonds?
Usually, when you invest in Bonds, the coupon (interest) what you get is fixed throughout the period. However, in the case of floating rate bonds, the interest is not fixed and it changes as per the specified bond feature.
Hence, such bonds are sensitive to interest rate fluctuation. It is not like your typical Bank FD, where you know well in advance the interest rate payable by banks for the full FD tenure.
The term of the bond is fixed. However, if you are not interested to retain the bonds, then you can sell it in the secondary market at the prevailing price of the bond if such bonds are eligible to trade.
Government of India Floating Rate Savings Bonds, 2020 (Taxable) Features and Eligibility
In addition to above features, let me share certain important features of this bond.
# If holder of the bond turned NRI, then he can hold the bond up to maturity.
# The Bonds will be issued only in the electronic form and held at the credit of the holder in an account called Bond Ledger Account (BLA), opened with the Receiving Office.
# The interest on the bonds will be payable half-yearly from the date of the issue of the bond. Once on 30th June and another on 31st December yearly. As I mentioned above, there is no option of cumulate in this bond.
# The interest will change on a half-yearly basis starting from 1st January 2021. This interest rate is linked to the prevailing interest rate of NSC (Post Office National Savings Certificate)+35 BPS (100 BPS=Rs.1). Hence, the coupon rate of Floating Rate Savings Bonds, 2020 (Taxable) for the period of 1st July 2020 to 31st December 2020 is fixed at 7.15%. Because the current NSC interest rate is 6.8%+0.35%=7.15%.
Let us see the interest rate movement of the National Savings Certificate (NSC) from the year 2016 (where the Government started to announce the interest on a quarterly basis) to date. You noticed that it is falling slowly and in fact the current quarter fall was the steepest among all.
# Interest will be payable directly to the bond holder’s account.
# The bonds will repayable after the completion of 7 years. Premature withdrawal is allowed only for those whose age is 60 years and above subject to the submission of document relating to the date of birth proof. The minimum lock-in period for the age group 60 Yrs to 70 Yrs is 6 years. For 70 Yrs to 80 Yrs is 5 Yrs and for those whose age is beyond 80 years is 4 years.
# Even though you request for redemption as per your age slab, the redemption amount will be transferred with immediate next interest rate period. Hence, irrespective of your submission for premature withdrawal, Govt will process it either on 1st July or 1st January every year. Also, in such premature closure, Govt will deduct 50% of the last coupon payment.
Where to buy Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
You can buy the Government of India Floating Rate Savings Bonds, 2020 (Taxable) at the belowing banks.
Where to approach if you have an issue with your bank in Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
In case the issuing bank does not comply with the above, you may lodge a complaint in writing in the form provided at
the counter of the bank and address the same to the nearest office of Reserve Bank of India, as under:
THE REGIONAL DIRECTOR,
RESERVE BANK OF INDIA,
CONSUMER EDUCATION AND PROTECTION DEPARTMENT/ BANKING OMBUDSMAN (LOCATION)
You may also address your complaint to:
THE CHIEF GENERAL MANAGER
INTERNAL DEBT MANAGEMENT DEPARTMENT
RESERVE BANK OF INDIA, 23rd Floor
CENTRAL OFFICE, Shahid Bhagat Singh Marg,
MUMBAI-400 001
MAHARASHTRA
E- mail ID – [email protected]
Download Application form Government of India Floating Rate Savings Bonds, 2020 (Taxable)
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
# Interest Rate Risk:-As your interest is linked to NSC and the feature of this bond is floating, you can’t expect the constant stream of income. It fluctuates as and when there is an up and down in NSC rates. Do remember that the only difference is in the case fo NSC, the interest rate will change on a quarterly basis. However, in the case of this bond, it changes once in a half year.
# Liquidity:-Liquidity is the biggest risk in such bonds. Because the tenure is 7 years. Certain premature withdrawal option is available for senior citizens and that also with the minimum period of holding 4 years, it turned to the highly illiquid product. Remember that these bonds can’t be tradable or transferable.
# Sovereign Guarantee:-As these bonds are issued by Government, there is no question of default risk. Hence, safety-wise, such bonds carry the highest degree of safety.
# Boon for those who are looking for a constant stream of income:-This bond is a boon for those who are looking for a constant stream of income. However, if you consider the other available options like Post Office Senior Citizen Savings Schemes or Pradhan Mantri Vaya Vandana Yojana (PMVVY), I feel this product is less attractive.
# Taxation:-This bond income is taxable. Hence, this bond is best suitable for those who are at a lower tax bracket. Also, do remember that there is a TDS on the interest that you receive.
Conclusion:-Comparing the Pradhan Mantri Vaya Vandana Yojana 2020 (PMVVY) or Senior Citizen Savings Scheme (SCSS), I think this bond is less attractive. However, in the case of PMVVY and SCSS, there is a maximum limit. But in this bond, there is no such maximum limitation. A combination of PMVVY, SCSS, and Government Floating Rate Savings Bonds, 2020 (Taxable) may be the best choice for senior citizens.
Refer our latest posts:-
Latest Post Office Interest Rates July-Sept 2020
Covid Standard Health Policy or Corona Kavach Policy – Features and Benefits
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
How to create ONE CRORE Rupees from EPF?
Gold Price of Rs.18.75 in 1925 to Rs.47000 in 2020 – Should you invest?
EPF Interest Rate 2019 – 2020 – Historical interest rates from 1952 to 2019
The post Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest? appeared first on BasuNivesh.
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest? published first on https://mbploans.tumblr.com/
0 notes
Text
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
Replacing the 7.75% Government of India Savings Bonds, Government announced the Floating Rate Savings Bonds, 2020 (Taxable). What are the features and eligibility of this Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
What are Floating Rate Savings Bonds?
Usually, when you invest in Bonds, the coupon (interest) what you get is fixed throughout the period. However, in the case of floating rate bonds, the interest is not fixed and it changes as per the specified bond feature.
Hence, such bonds are sensitive to interest rate fluctuation. It is not like your typical Bank FD, where you know well in advance the interest rate payable by banks for the full FD tenure.
The term of the bond is fixed. However, if you are not interested to retain the bonds, then you can sell it in the secondary market at the prevailing price of the bond if such bonds are eligible to trade.
Government of India Floating Rate Savings Bonds, 2020 (Taxable) Features and Eligibility
In addition to above features, let me share certain important features of this bond.
# If holder of the bond turned NRI, then he can hold the bond up to maturity.
# The Bonds will be issued only in the electronic form and held at the credit of the holder in an account called Bond Ledger Account (BLA), opened with the Receiving Office.
# The interest on the bonds will be payable half-yearly from the date of the issue of the bond. Once on 30th June and another on 31st December yearly. As I mentioned above, there is no option of cumulate in this bond.
# The interest will change on a half-yearly basis starting from 1st January 2021. This interest rate is linked to the prevailing interest rate of NSC (Post Office National Savings Certificate)+35 BPS (100 BPS=Rs.1). Hence, the coupon rate of Floating Rate Savings Bonds, 2020 (Taxable) for the period of 1st July 2020 to 31st December 2020 is fixed at 7.15%. Because the current NSC interest rate is 6.8%+0.35%=7.15%.
Let us see the interest rate movement of the National Savings Certificate (NSC) from the year 2016 (where the Government started to announce the interest on a quarterly basis) to date. You noticed that it is falling slowly and in fact the current quarter fall was the steepest among all.
# Interest will be payable directly to the bond holder’s account.
# The bonds will repayable after the completion of 7 years. Premature withdrawal is allowed only for those whose age is 60 years and above subject to the submission of document relating to the date of birth proof. The minimum lock-in period for the age group 60 Yrs to 70 Yrs is 6 years. For 70 Yrs to 80 Yrs is 5 Yrs and for those whose age is beyond 80 years is 4 years.
# Even though you request for redemption as per your age slab, the redemption amount will be transferred with immediate next interest rate period. Hence, irrespective of your submission for premature withdrawal, Govt will process it either on 1st July or 1st January every year. Also, in such premature closure, Govt will deduct 50% of the last coupon payment.
Where to buy Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
You can buy the Government of India Floating Rate Savings Bonds, 2020 (Taxable) at the belowing banks.
Where to approach if you have an issue with your bank in Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
In case the issuing bank does not comply with the above, you may lodge a complaint in writing in the form provided at
the counter of the bank and address the same to the nearest office of Reserve Bank of India, as under:
THE REGIONAL DIRECTOR,
RESERVE BANK OF INDIA,
CONSUMER EDUCATION AND PROTECTION DEPARTMENT/ BANKING OMBUDSMAN (LOCATION)
You may also address your complaint to:
THE CHIEF GENERAL MANAGER
INTERNAL DEBT MANAGEMENT DEPARTMENT
RESERVE BANK OF INDIA, 23rd Floor
CENTRAL OFFICE, Shahid Bhagat Singh Marg,
MUMBAI-400 001
MAHARASHTRA
E- mail ID – [email protected]
Download Application form Government of India Floating Rate Savings Bonds, 2020 (Taxable)
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
# Interest Rate Risk:-As your interest is linked to NSC and the feature of this bond is floating, you can’t expect the constant stream of income. It fluctuates as and when there is an up and down in NSC rates. Do remember that the only difference is in the case fo NSC, the interest rate will change on a quarterly basis. However, in the case of this bond, it changes once in a half year.
# Liquidity:-Liquidity is the biggest risk in such bonds. Because the tenure is 7 years. Certain premature withdrawal option is available for senior citizens and that also with the minimum period of holding 4 years, it turned to the highly illiquid product. Remember that these bonds can’t be tradable or transferable.
# Sovereign Guarantee:-As these bonds are issued by Government, there is no question of default risk. Hence, safety-wise, such bonds carry the highest degree of safety.
# Boon for those who are looking for a constant stream of income:-This bond is a boon for those who are looking for a constant stream of income. However, if you consider the other available options like Post Office Senior Citizen Savings Schemes or Pradhan Mantri Vaya Vandana Yojana (PMVVY), I feel this product is less attractive.
# Taxation:-This bond income is taxable. Hence, this bond is best suitable for those who are at a lower tax bracket. Also, do remember that there is a TDS on the interest that you receive.
Conclusion:-Comparing the Pradhan Mantri Vaya Vandana Yojana 2020 (PMVVY) or Senior Citizen Savings Scheme (SCSS), I think this bond is less attractive. However, in the case of PMVVY and SCSS, there is a maximum limit. But in this bond, there is no such maximum limitation. A combination of PMVVY, SCSS, and Government Floating Rate Savings Bonds, 2020 (Taxable) may be the best choice for senior citizens.
Refer our latest posts:-
Latest Post Office Interest Rates July-Sept 2020
Covid Standard Health Policy or Corona Kavach Policy – Features and Benefits
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
How to create ONE CRORE Rupees from EPF?
Gold Price of Rs.18.75 in 1925 to Rs.47000 in 2020 – Should you invest?
EPF Interest Rate 2019 – 2020 – Historical interest rates from 1952 to 2019
The post Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest? appeared first on BasuNivesh.
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest? published first on https://mbploans.tumblr.com/
0 notes
Text
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
Replacing the 7.75% Government of India Savings Bonds, Government announced the Floating Rate Savings Bonds, 2020 (Taxable). What are the features and eligibility of this Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
What are Floating Rate Savings Bonds?
Usually, when you invest in Bonds, the coupon (interest) what you get is fixed throughout the period. However, in the case of floating rate bonds, the interest is not fixed and it changes as per the specified bond feature.
Hence, such bonds are sensitive to interest rate fluctuation. It is not like your typical Bank FD, where you know well in advance the interest rate payable by banks for the full FD tenure.
The term of the bond is fixed. However, if you are not interested to retain the bonds, then you can sell it in the secondary market at the prevailing price of the bond if such bonds are eligible to trade.
Government of India Floating Rate Savings Bonds, 2020 (Taxable) Features and Eligibility
In addition to above features, let me share certain important features of this bond.
# If holder of the bond turned NRI, then he can hold the bond up to maturity.
# The Bonds will be issued only in the electronic form and held at the credit of the holder in an account called Bond Ledger Account (BLA), opened with the Receiving Office.
# The interest on the bonds will be payable half-yearly from the date of the issue of the bond. Once on 30th June and another on 31st December yearly. As I mentioned above, there is no option of cumulate in this bond.
# The interest will change on a half-yearly basis starting from 1st January 2021. This interest rate is linked to the prevailing interest rate of NSC (Post Office National Savings Certificate)+35 BPS (100 BPS=Rs.1). Hence, the coupon rate of Floating Rate Savings Bonds, 2020 (Taxable) for the period of 1st July 2020 to 31st December 2020 is fixed at 7.15%. Because the current NSC interest rate is 6.8%+0.35%=7.15%.
Let us see the interest rate movement of the National Savings Certificate (NSC) from the year 2016 (where the Government started to announce the interest on a quarterly basis) to date. You noticed that it is falling slowly and in fact the current quarter fall was the steepest among all.
# Interest will be payable directly to the bond holder’s account.
# The bonds will repayable after the completion of 7 years. Premature withdrawal is allowed only for those whose age is 60 years and above subject to the submission of document relating to the date of birth proof. The minimum lock-in period for the age group 60 Yrs to 70 Yrs is 6 years. For 70 Yrs to 80 Yrs is 5 Yrs and for those whose age is beyond 80 years is 4 years.
# Even though you request for redemption as per your age slab, the redemption amount will be transferred with immediate next interest rate period. Hence, irrespective of your submission for premature withdrawal, Govt will process it either on 1st July or 1st January every year. Also, in such premature closure, Govt will deduct 50% of the last coupon payment.
Where to buy Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
You can buy the Government of India Floating Rate Savings Bonds, 2020 (Taxable) at the belowing banks.
Where to approach if you have an issue with your bank in Government of India Floating Rate Savings Bonds, 2020 (Taxable)?
In case the issuing bank does not comply with the above, you may lodge a complaint in writing in the form provided at
the counter of the bank and address the same to the nearest office of Reserve Bank of India, as under:
THE REGIONAL DIRECTOR,
RESERVE BANK OF INDIA,
CONSUMER EDUCATION AND PROTECTION DEPARTMENT/ BANKING OMBUDSMAN (LOCATION)
You may also address your complaint to:
THE CHIEF GENERAL MANAGER
INTERNAL DEBT MANAGEMENT DEPARTMENT
RESERVE BANK OF INDIA, 23rd Floor
CENTRAL OFFICE, Shahid Bhagat Singh Marg,
MUMBAI-400 001
MAHARASHTRA
E- mail ID – [email protected]
Download Application form Government of India Floating Rate Savings Bonds, 2020 (Taxable)
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
# Interest Rate Risk:-As your interest is linked to NSC and the feature of this bond is floating, you can’t expect the constant stream of income. It fluctuates as and when there is an up and down in NSC rates. Do remember that the only difference is in the case fo NSC, the interest rate will change on a quarterly basis. However, in the case of this bond, it changes once in a half year.
# Liquidity:-Liquidity is the biggest risk in such bonds. Because the tenure is 7 years. Certain premature withdrawal option is available for senior citizens and that also with the minimum period of holding 4 years, it turned to the highly illiquid product. Remember that these bonds can’t be tradable or transferable.
# Sovereign Guarantee:-As these bonds are issued by Government, there is no question of default risk. Hence, safety-wise, such bonds carry the highest degree of safety.
# Boon for those who are looking for a constant stream of income:-This bond is a boon for those who are looking for a constant stream of income. However, if you consider the other available options like Post Office Senior Citizen Savings Schemes or Pradhan Mantri Vaya Vandana Yojana (PMVVY), I feel this product is less attractive.
# Taxation:-This bond income is taxable. Hence, this bond is best suitable for those who are at a lower tax bracket. Also, do remember that there is a TDS on the interest that you receive.
Conclusion:-Comparing the Pradhan Mantri Vaya Vandana Yojana 2020 (PMVVY) or Senior Citizen Savings Scheme (SCSS), I think this bond is less attractive. However, in the case of PMVVY and SCSS, there is a maximum limit. But in this bond, there is no such maximum limitation. A combination of PMVVY, SCSS, and Government Floating Rate Savings Bonds, 2020 (Taxable) may be the best choice for senior citizens.
Refer our latest posts:-
Latest Post Office Interest Rates July-Sept 2020
Covid Standard Health Policy or Corona Kavach Policy – Features and Benefits
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest?
How to create ONE CRORE Rupees from EPF?
Gold Price of Rs.18.75 in 1925 to Rs.47000 in 2020 – Should you invest?
EPF Interest Rate 2019 – 2020 – Historical interest rates from 1952 to 2019
The post Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest? appeared first on BasuNivesh.
Government of India Floating Rate Savings Bonds, 2020 (Taxable) – Should you invest? published first on https://mbploans.tumblr.com/
0 notes
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