Lilian Marijnissen wil graag SP-lijsttrekker blijven

 Lilian Marijnissen wil een tweede rondje als SP-lijsttrekker bij de Kamerverkiezingen. Ze denkt het zware tij voor haar partij te kunnen keren, óndanks dat ze nooit een verkiezing won. Regeren – samen met BBB en de eventuele nieuwe partij van Pieter Omtzigt – ziet ze wel zitten. „Het politieke midden is klaar”, zegt ze in een exclusief interview met De Telegraaf.

Marijnissen (38) is een van de weinige vertrouwde gezichten bij de komende verkiezingscampagne. Na het aangekondigde vertrek van partijleiders Rutte, Kaag en Hoekstra behoort de SP-leider opeens tot de meest ervaren Haagse politici. Tenminste, als de SP-leden instemmen met haar kandidatuur.

Daar heeft het alle schijn van, aangezien het SP-bestuur haar woensdagavond unaniem heeft gevraagd om opnieuw de lijst aan te voeren. „Er breekt een nieuwe politieke tijd aan, en daar wil ik gewoon bij zijn”, vertelt Marijnissen in het Brabantse Heesch, onder de rook van haar woonplaats Oss. „Ik heb geen moment getwijfeld. De afgelopen kabinetsperiode liep ik tegen een behoorlijk dichte deur aan. Het trio Rutte, Hoekstra en Kaag hield alles tegen. Nou, hoe mooi is het dat die hele bende nu afzwaait.”

 Sinds u in 2017 partijleider werd, heeft de SP alle verkiezingen verloren. Heeft dat iets met u te maken? Ongetwijfeld. Ik voel mij eindverantwoordelijk, voor de partij en voor de uitslag van de partij. Maar we doen het natuurlijk wel samen. Je wint niet alleen én je verliest niet alleen. Daarom heb ik ook bij ons partijbestuur en campagneteam aangegeven: hoe kijken jullie ernaar? Maar zij vinden dat ik het – juist nu – moet doen.”

U zegt: het verlies heeft ook met mij te maken. Waar zit ’m dat in? Ik vind het lastig om daar een eenduidig antwoord op te geven. Ik ben pas één keer lijsttrekker geweest voor de Tweede Kamerverkiezingen. Die verkiezing was midden in coronatijd: we hadden eigenlijk geen campagne. Maar we werden wel de tweede oppositiepartij van Nederland: we kregen meer stemmen dan de PvdA, dan GL, dan Volt.”

 Alle verkiezingen daarna verloor u ook.

„Dat klopt. Dat maakt ook wel dat ik denk: dit is een kans om het beter te doen.” Als het nu niet lukt, stapt u dan op als SP-leider? „Ik ben daar niet mee bezig. Het is een week geleden dat het kabinet is gevallen.” Kritische SP’ers zeggen dat het u ontbreekt aan charisma. Hoe ziet u dat zelf?

„Het is wel een beetje belachelijk om dat over jezelf te zeggen. Het kan zijn dat andere partijen beter zijn in spinnen, framen en de beeldvorming. Maar ik geloof dat ik mij moet onderscheiden op de inhoud.”

 Waarmee gaat u zich deze campagne profileren?

„Ik hoop vooral dat er nu ruimte komt voor een ideeënstrijd. Het gaat om de vraag hoe ons land eruit gaat zien na dertien jaar Rutte-politiek. Ik hoor van mensen termen als ’wederopbouw’, en ’wat we toen hadden’. Onze publieke voorzieningen zijn tot op het bot gecommercialiseerd en uitgekleed. De overheid wordt diep gewantrouwd, en terecht. We hebben de hoogste bedrijfswinsten, terwijl het Rode Kruis meldt dat 400.000 mensen in Nederland in voedselnood leven.”

Dus u wilt terug naar het tijdperk vóór Rutte? ‘Nee, nee, laten we vooral vooruitgaan. Ik vind dat mensen veel meer zeggenschap moeten krijgen. Over hun werk, hun eigen buurt, hun eigen leven. Nu zie je dat het allemaal is weggeven, of aan Brussel of aan de markt.”

Moet de instroom van asielzoekers in Nederland omlaag?

„Nou, vooralsnog zie ik dat het achterblijft bij de hoge verwachtingen. Dus nu is het vooral een gecreëerd probleem van de VVD, om te doen alsof er een crisis is. Ik vind wel dat de instroom van migranten omlaag moet, maar dan kijk ik breder. Er zijn bijna een miljoen arbeidsmigranten, die moeten allemaal een huis hebben. Die moeten we niet meer hierheen halen.”

 Wilt u het kabinet in?

„Ja, tenzij we niet het verschil kunnen maken. Ik denk dat het politieke midden, dat de laatste jaren aan de macht was, wel klaar is. Je ziet een nieuwe scheidslijn in de Kamer ontstaan: tussen oude en nieuwe politiek. Tussen de establishment-partijen en BBB, Pieter Omtzigt wellicht en wij. Ik vind het interessant wat dat gaat brengen.”

Doet het pijn dat uw stemmenkanon Renske Leijten net is opgestapt?

„Tuurlijk baal ik daarvan. Zij was een échte volksvertegenwoordiger. Ik heb veel met haar gepraat, dan word je ook vriendinnen. En gelukkig blijft ze actief voor de SP. Persoonlijk gun ik het haar dat er iets nieuws komt in haar leven. Maar in het partijbelang had ik haar graag bij de fractie gehouden.”

(Door Dick van As)

Style and also Activity of a Fresh NIR Celecoxib-Based Fluorescent Probe for methylhexanamineoxygenase-2 Focused Bioimaging inside Tumour Tissue

With this review, bTBI has been manufactured by cardstock detonators equivalent to Six hundred milligram regarding TNT exploding at Six.Your five centimetres straight for the rabbit's mind. Cinemax (100 percent O-2 in 2.Zero absolute environments) was utilized as soon as, 14 right after injury. Magnetic resonance spectroscopy had been done to investigate the effect associated with HBOT about the metabolism of neighborhood injured nerves inside mind tissues. Additionally we analyzed blood-brain barrier (BBB) integrity, human brain normal water written content, apoptotic aspects, and some inflamation related mediators. Our outcomes demonstrate that hyperbaric o2 might confer neuroprotection and improve analysis right after mind blowing injury by promoting one's metabolism of local neurons, curbing mental faculties hydropsy, safeguarding BBB honesty, minimizing cellular apoptosis, and suppressing your inflamed response. Additionally, well-timed input inside of A week soon after injuries might be more conducive to increasing the analysis of sufferers using bTBI.Changes in nutritious packing along with unpleasant species are among the best human-driven disruptions in freshwater environments #Link# , yet our understanding how these people affect the biodiversity of ponds is still limited. We all executed expose famous analysis of the mollusc community associated with Oneida Body of water determined by our own thorough lakewide research next year and former surveys going back to 1915. Noisy . 20th century, the forest were built with a high water lucidity, along with abundant macrophytes and also benthic plankton, and hosted essentially the most different molluscan community in New York Condition, which includes Thirty two gastropod and In search of unionid types. With the Sixties, pond turbidity greater during a period of anthropogenic eutrophication, causing a 38% loss of species prosperity and a 95% decline in plethora regarding native gastropods grazing on benthic plankton. Following a invasion involving Dreissena spp. in 1991 and up coming raises throughout water clarity, local gastropod species richness extended through 37% and also large quantity elevated 20-fold by The coming year. As opposed, filter-feeding unionids ended up unaltered simply by greater turbidity during eutrophication nevertheless had been extirpated by dreissenids. Through different consequences on turbidity, eutrophication along with Dreissena spp. possess probable powered the actual noticed adjustments to local grazing gastropods through affecting the great quantity associated with light-limited benthic algae. Due to the high species richness and #Link# environmental significance of benthic grazers, keeping track of as well as handling turbidity is very important in conserving molluscan range.Your A-type phospholipases (PLAs) are usually crucial participants in glycerophospholipid (GPL) homeostasis and in mammalian tissues; Ca2+-independent PLA- (iPLA) especially may be implicated with this important course of action. Nonetheless, your regulation of this specific enzyme, that is important to avoid useless #Link# competition in between functionality and destruction, is not understood. Not too long ago, all of us provided facts how the efflux of the substrate elements through the bilayer will be the rate-limiting part of the particular hydrolysis involving GPLs by a few secretory (nonhomeostatic) PLAs. To study no matter whether here is the situation using iPLA as well, a mass spectrometric analysis has been used to figure out the pace involving hydrolysis regarding several saturated and unsaturated GPL kinds inside simultaneous utilizing micelles or vesicle bilayers since the macrosubstrate. Along with micelles, the particular hydrolysis diminished with raising acyl sequence duration separate from unsaturation, as well as small discrimination among acyl positional isomers had been noticed, presumptively due to the differences in the framework of the sn-1 along with sn-2 acyl-binding websites in the protein.

BBB Week 38 Roundup, Part Two of Four

We’re halfway there!  (Yes, I’m gonna have “Livin’ on a Prayer” stuck in my head all day.)

Go give these collaborators some love!

Title: Into the Fray (Voluntarily or Not) Collaborator: InTheShadows Link: AO3 Square Filled: K4 - phobias Ship: Bucky & Tony & Loki Rating: Gen Major Tags: Developing Friendships/Relationships, implied/referred triggers all around for the boys, but nothing too serious Summary: Bucky listens to Stark complain to himself as he settles himself down in the cave. Outside the blizzard blows on, as strong as ever. He has been complaining ever since they landed here. Jotunnhiem. Loki assured them he can get they back home, but for now they must wait for th storm to die down. And if Stark doesn't shut up it is going to be a long wait. Judging by the way Loki is snapping back at Stark, he agrees. A long wait. Word Count: 1405

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Title: Bean There, Brew That moodboard Collaborator: rebelmeg Link: Tumblr Square Filled: Y5 - AU: coffee shop Ship: none Rating: Gen Major Tags: moodboard, coffee shop AU Summary: Clint owns a coffee shop made entirely of puns, and leaves Darcy in charge when he takes a vacation.  The shop gets a new regular (clearly some kind of hobo/assassin) that likes to purr at his coffee.  With a pack of snarky baristas and a whole lot of sugar, Bucky finds himself living just a little bit more.

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Title: No Question is a Good Question Collaborator: InTheShadows Link: AO3 Square Filled: U4 - waiting for extraction Ship: Bucky & Ava Starr Rating: Gen Major Tags: dehumanization Summary: The Asset cleans its weapons and waits for its handler to arrive. The mission is complete. The mission had been successful - anything else is unacceptable. Beside it is its partner for this mission, also waiting. But this partner is new. Does not know the rules. It talks and it takes off its mask. Doesn't it know that neither is allowed? The Asset is a weapon. That is what Ghost needs to be. Ghost still has much to learn. Word Count: 642

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Title: Through it all, you were there Collaborator: honestmischief Link: AO3 Square Filled: B5 - Pain Ship: WinterIron Rating: Mature Major Tags: Nightmares, drowning, blood and injury, torture Summary: Five times Tony felt like he was dying + one time he did not. Word Count: 607

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Title: The Strength that Now You Show Collaborator: starjargon Link: AO3 Square Filled: Y5 - Expendable Ship: Bucky & Steve Rating: Gen Major Tags: Self-esteem issues Summary:  Bucky and Steve have a conversation before Steve takes the stones back. Word Count: 663

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Title: Sent to a different dimension Collaborator: Menatiera Link: Tumblr Square Filled: B5 - Sent to a different dimension Ship: Stuckony Rating: Gen Major Tags: dimensional travel, AU, magical creatures, mer!tony, dragon!steve, alien!bucky, soulmates, moodboard Summary: Bucky has been sent far away by a magical blast. He suspects it’s a different dimension at least, because things are… different. Steve, for example, has been turned into a dragon shapeshifter by the serum, and Tony is a merman. Bucky has no idea what’s the deal with his counterpart whose body he’s currently inhabiting, but he has both of his arms, and occasionally wings too, which is cool, but was quite disturbing to find out at first. Oh, and the three of them are in a relationship here. But regardless of that, Bucky has to find out what’s going on and how to get home, because the clock is always ticking in the background, not to mention the mysterious paths appearing in the forest in the mist that calls for Bucky. However, Steve and Tony don’t want to let him go.

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Title: Relevant Experience Collaborator: 27dragons Link: AO3 Square Filled: Y1 - Missing Scene Ship: WinterIron Rating: Gen Major Tags: none  Summary: The missing end-credits scene that they inexplicably left off of Endgame... Word Count: 519

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Title: What Lies They Told Us Collaborator: darter-blue Link: AO3 Square Filled: C1 -  AU: Mobsters Ship: Stucky Rating: Explicit Major Tags: Enemies to Lovers, Minor Character Death, Mafia AU, Angst, Mutual Pining Summary: Steve Rogers might still see his ma every Sunday, but he isn’t the dutiful son. He gave up that life a long time ago. Bucky Barnes may be following in his fathers footsteps, but he wants to set a path to something more than where they’ll take him. Steve and Bucky’s lives have always intersected. There is something between them that exists, real and palpable. But they are opposite sides of a coin. Opposing families in a war for money and power. Blood and pain. And fate may bring them together, again and again, pulling them closer. But it always finds a way to rip them apart. What they need is a way to fight fate. To fight their families. To reach each other. To keep each other. Word Count: 4839

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Title: Occupational Hazard Collaborator: Ibelieveinturtles Link: Tumblr Square Filled: Y4 - Occupational hazard Ship: none Rating: Gen Major Tags: Harry Potter AU, Quidditch, moodboard Summary: During the first Quidditch match of the Inaugural Wizarding Olympics, Bucky is involved in an accident.

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Title: He Did it Again, Didn't He? Collaborator: TheMadHale Link: AO3 Square Filled: C2 - Sunglasses Ship: Platonic Bucky/Reader Rating: Mature Major Tags: Domestic Violence Summary: When the reader turns up to see Bucky her eyes are covered by huge sunglasses. Word Count: 329

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Title: The Masseur and the Assassin Collaborator: buckybarnesdeservestobehappy Link: AO3 Square Filled: B5 - AU: Spy, Secret Agent, Assassin, or Hitman Ship: Stucky Rating: Mature Major Tags: assassin, guilt, massage, happy ending, poor life choices Summary: Bucky Barnes needed a vacation from his job. What he found was a happy ending. Word Count: 3293

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Title: Hiding The Present Collaborator: TheMadHale Link: AO3 Square Filled: U4 - Picture Square Ship: Bucky/OFC Rating: Gen Major Tags: none Summary: When it comes to protecting his family Bucky takes it very seriously. Word Count: 289

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Title: n/a (to be decided) Collaborator: ibelieveinturtles Link: Tumblr Square Filled: C2 - Diner/Restaurant Ship: Bucky/Darcy Rating: Gen Major Tags: moodboard, holiday romance, reunion, surprise baby, unplanned pregnancy Summary: 5 years after their summer holiday romance, Bucky and Darcy meet again. It’s a huge surprise for both of them.

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Title: "Come On Alice!" Collaborator: TheMadHale Link: AO3 Square Filled: B4 - Alice in Wonderland AU Ship: Stucky Rating: Gen Major Tags: Bucky in a dress Summary: A bet between Ellie and Nat results in a shock at Tony Stark’s party Word Count:372

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Title: Bucky Barnes: Accidental Bondmate Collaborators: ABrighterDarkness & betheflame Link: AO3 Square Filled:  Y3 - Alpha/Beta/Omega,  ABrighterDarkness Ship: Stuckony Rating: Teen Major Tags: Reference to forced bonding Summary: He walked out to the yard to pull parts from an old car to use in a different one. He wound up back in his house with not one, but two, bondmates. Word Count:3545

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Title: The Ins and Outs of Family Collaborator: Starjargon Link: AO3 Square Filled: B1 - Labyrinth Ship: Bucky Barnes & Eliot Spencer, Bucky Barnes & Rebecca Barnes Proctor Rating: Gen Major Tags: Panic attack Summary: Bucky finds his family again. Or rather, they find him. And they're not letting him go this time. Word Count: 1394

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Title: The Midnight Fox – Chapter Two Collaborator: Minka Link: AO3 Square Filled: C3 - free space Ship: Stucky Rating: Mature Major Tags: bodyguard AU, royalty AU Summary: Amid the flashing lights, high fashion, and crystalline champagne flutes of the royal court of Estia, a deadly intrigue is brewing. There are whispers in the night; talk of a plot to assassinate the king and an uprising forged in blood and stolen art. With the bars of his gilded cage closing in, Crown Prince James Barnes faces his own struggles. Dealing with a city more enamoured with a masked vigilante than him is starting to get old fast, and his stuffy new bodyguard is as infuriating as he is potentially dangerous. As chaos threatens to rip the country apart and the list of Royal allies begins to run thin, the Prince is forced to face the demons lurking in his past. After all, no party can last indefinitely, and no secrets remain buried forever. Word Count: 15,858

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Title: Clint’s Big Secret Collaborator: pherryt Link: AO3 Square Filled: B4 - nerds Ship: WinterHawk Rating: Gen Major Tags: fluff, food Summary: Bucky can't believe that's what Clint is eating right now. What. The Fuck. How does Clint look like this when he eats like that? Word Count: 2535

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Title: The Ghosts of Me Collaborator: ibelieveinturtles Link: Tumblr Square Filled: C1 - Ghosting Ship: none Rating: Gen Major Tags: art edit Summary: Is it possible to ghost yourself?

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Title: Barton-Barnes Family - Chapter 1: The Barnes/Barton Baby Collaborator: TheMadHale Link: AO3 Square Filled: C3 - Free Space Ship: WinterHawk Rating: Gen Major Tags: Bucky softness Summary: Bucky finds a baby in his room Word Count: 917

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Title: Recovery  Collaborator: ibelieveinturtles Link: Tumblr Square Filled: U3 - Soft Ship: none Rating: Gen Major Tags: another moodboard for the Harry Potter AU Summary: When Bucky wakes up after his quidditch accident the first thing he’s aware of is the soft murmur of his team’s worried voices, followed rapidly by the heavy, comforting weight of the blanket draped over his body.

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Title: Restoring the Shield - Chapter 1 Collaborator: Politzania Link: AO3 Square Filled: U5 - AU: A/B/O Ship: Stony, past Stucky, endgame Stuckony Rating: Mature Major Tags: a/b/o dynamics, semi-canon compliant, recovering!Bucky Summary: The man who was once the Winter Soldier (and before that, Bucky Barnes) is brought before the Avengers to face justice... just not the kind he had expected. Word Count: 1101

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Title: Approach With Care Collaborator: ibelieveinturtles Link: AO3 Squares Filled: Chapter 1, C3 - Free space Chapter 2,  U1 - What doesn’t kill me makes me mad Chapter 3,  K4 - Sensory overload Chapter 4, Y1 - Accidental feelings Chapter 5, C5 - pining Chapter 6, Y5 - Bed sharing Chapter 7, B3 - Enemies to lovers Ship: Bucky/Darcy Rating: Teen Major Tags: bad first meeting, violence towards innocent cars, sensory overload, accidental feelings, pining, bedsharing, enemies to lovers, description of a panic attack Summary: Bucky’s out for a quiet walk when he gets hit by a car. The car does not win. Darcy isn’t impressed. Word Count: 2233

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Title: The Asset Hates the Cold Collaborator: buckybarnesdeservestobehappy Link: AO3 Square Filled: Y2 - Survival in the Wild Ship: Steve & Bucky Rating: mature Major Tags: assassin, wilderness survival, missions, memory loss, canon compliant Summary: The Asset is forced to survive in the wilderness. He’s cold and alone, but he wasn’t always that way. There were once people who loved him. Word Count: 480

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Title: Brooklyn Barton-Barnes Collaborator: TheMadHale Link: AO3 Square Filled: U1 - Parenthood Ship: Father!Bucky Barnes and Child!OC Rating: Teen Major Tags: Non-Binary Character, Homophobia, Asshole character Summary: When Bucky gets a call from Brooklyn’s school his anger is directed the opposite way than the principal hoped. Word Count: 522

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Title: Pull the Guinness Collaborator: buckybarnesdeservestobehappy Link: Tumblr Square Filled: U1 - Dungeons & Dragons Ship: Stucky Rating: Teen Major Tags: bartender Bucky Barnes, nightclub, attraction, protective Steve Rogers, bouncer Bucky Barnes Summary: Bucky’s irritated he has to work on his night off, but there’s one patron who makes it worth it. Word Count: 1071

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Title: Check Collaborator: 27dragons Link: Tumblr Square Filled: C4 - Board Games Ship: none Rating: Gen Major Tags: drabble Summary: What kind of weird alternate dimension is this, anyway? Bucky’s not sure he really wants to know. Word Count: 100

Thank you for the tag @heyjonesey​, as always! ❤️

1. What is the colour of your hairbrush? Pink and grey, my hair included.

2. Name a food you never eat: Mushrooms. Mushrooms are evil.

3. Are you typically too warm or too cold? Too cold. Like all the time. In the summer family members use my feet to cool themselves down. So cold that we started turning the heater on in... July I think?

4. What were you doing 45 minutes ago? Downloading photos, I might have a problem. (I don’t see why Shutterstock doesn’t give me an account with 10 free downloads with my perfectly real-looking name AAA BBB, working for Stealers Inc. on the position of a stealer with an e-mail address thisisathrowawayaccsorry@[redacted] tho. They’re mean.)

5. What’s your favourite candy bar? None really, I prefer high-quality chocolate.

6. Have you ever been to a professional sports game? No, thank god.

7. What is the last thing you said out loud? "The interNOT”

8. What is your favourite ice cream? I really like any kind of fruit sorbet.

9. What was the last thing you had to drink? water

10. Do you like your wallet? I... I don’t have any. I usually don’t even wear any kind of purse to be honest because of my back problems. My husband carries all my things in his shoulder bag.

11. What was the last thing you ate? chocolate

12. Did you buy any new clothes last weekend? What would I need them for now?

13. What’s the last sporting event you watched? Some ice-skating like a year ago.

14. What is your favourite flavour of popcorn?

I think they’re selling only something like “sweet” and “salty” here.

15. Who is the last person you sent a text message to? a realtor

16. Ever been camping? Nope, I’m a city creature.

17. Do you take vitamins? Yes, sir.

18. Do you regularly attend a place of worship? *looks at my main blog* I mean... 

19. Do you have a tan? I haven’t really been outside since... February so you can probably imagine.

20. Do you prefer chinese or pizza? This must be a trick question, one loves both equally.

21. Do you drink soda through a straw? No, I can use my hands. And mouth. And drink from a glass.

22. What colour socks do you usually wear? Pink ones inside or in winter boots, black ones outside.

23. Do you ever drive above the speed limit? I don’t drive and would never.

24. What terrifies you? As a person with a panic disorder, please let me just say this would get the length of a slow-burn fanfic if I was to list everything accurately.

25. Look to your left, what do you see? A door, would you look at that.

26. What chore do you hate the most? I’m an adult, I do all the chores with an immense love any time it means avoiding my other responsibilities.

27. What do you think of when you hear an australian accent? Of one movie I worked on.

(Did anyone notice number 28 is missing? Huh.)

29. Do you go in a fast food place or just hit drive thru? I don’t eat fast food really.

30. What’s your favourite number? Does everyone have one? I don’t.

31. Who’s the last person you talked to? husband

32. Favourite meat? No, thank you.

33. Last song you listened to? As It Was

34. Last book you read? I... I swear I used to read a lot at school but now it’s mostly fanfics for me and those I’m NOT going to name.

35. Favourite day of the week? Any day except for Saturday since I have to teach a lot. The beginning of the week is good. Long time till next Saturday.

36. Can you say the alphabet backwards? What would you need that for? I don’t have the bandwidth.

37. How do you like your coffee? Weak. Then I drink half a cup, then my stomach starts hurting, then I get nervous and shaky and then I realise I shouldn’t drink coffee.

38. Favourite pair of shoes? I wear the same “work boots” all year round. Those are my favourite, yes.

39. Time you normally get up? Usually at 12 AM or 1 PMish. My schedule has been weird lately.

40. What do you prefer, sunrise or sunsets? I have no way of ever seeing a sunrise.

41. How many blankets on your bed? Two most nights. Does husband count as well?

42. Describe your kitchen plates: Yellow. Food tastes good from yellow plates.

43. Describe your kitchen at the moment: Moderate amount of mess.

44. Do you have a favourite alcoholic drink? Nope.

45. Do you play cards? Nope.

46. What colour is your car? No car, no colour.

47. Can you change a tire? No car, no need to change a tire.

48. Your favourite state or province? People have those?

49. Favourite job you’ve ever had? My current job actually!

I’m tagging @hufflepuffveve, @riibisel​, @irishsong​, @frankieneedsmeds​ and everyone who feels like being interviewed! ❤️

Get to know me pt. idk

200: My crush’s name is: brantdypoo 199: I was born in: us 198: I am really: quiet 197: My cellphone company is: tmoblie 196: My eye color is: brown 195: My shoe size is: 7ish 194: My ring size is: idk  193: My height is: 5′2 192: I am allergic to: eggs 191: My 1st car was: subaru  190: My 1st job was: working with kids  189: Last book you read:  a million little pieces 188: My bed is: medium 187: My pet: dog 186: My best friend: 3 people  185: My favorite shampoo is: the one from costco 184: Xbox or ps3: ps4 183: Piggy banks are: ok 182: In my pockets: nothing 181: On my calendar: days i work  and finals 180: Marriage is: whatever 179: Spongebob can: laugh 178: My mom: is cool 177: The last three songs I bought were?  movements 176: Last YouTube video watched: patd live at reading and leeds festival 175: How many cousins do you have? too many 174: Do you have any siblings? 1 173: Are your parents divorced? hA 172: Are you taller than your mom? no 171: Do you play an instrument? i can 170: What did you do yesterday? @ my bbb [ I Believe In ] 169: Love at first sight: idk 168: Luck: eh 167: Fate: ye 166: Yourself: no 165: Aliens: probably 164: Heaven: idk 163: Hell: idk 162: God: idk 161: Horoscopes: no 160: Soul mates: maybe 159: Ghosts: no 158: Gay Marriage: sure 157: War: no 156: Orbs: huh 155: Magic: no [ This or That ] 154: Hugs or Kisses: hugs 153: Drunk or High: drunk 152: Phone or Online: online 151: Red heads or Black haired: black 150: Blondes or Brunettes: brown 149: Hot or cold: hot 148: Summer or winter: sumemr 147: Autumn or Spring: spring 146: Chocolate or vanilla: vanilla 145: Night or Day: night 144: Oranges or Apples: orange 143: Curly or Straight hair: curly 142: McDonalds or Burger King: mcd 141: White Chocolate or Milk Chocolate: milk 140: Mac or PC: mac 139: Flip flops or high heels: flioops 138: Ugly and rich OR sweet and poor: sweet 137: Coke or Pepsi: coke 136: Hillary or Obama: obama 135: Burried or cremated: cremated 134: Singing or Dancing: dancing 133: Coach or Chanel: coach 132: Kat McPhee or Taylor Hicks: who 131: Small town or Big city: big city 130: Wal-Mart or Target: target 129: Ben Stiller or Adam Sandler: ben 128: Manicure or Pedicure: hands 127: East Coast or West Coast: east 126: Your Birthday or Christmas: christmas 125: Chocolate or Flowers: chocolate 124: Disney or Six Flags: six flags 123: Yankees or Red Sox: who cares   [ Here’s What I Think About ] 122: War: it dumb 121: George Bush: which 120: Gay Marriage: it okay 119: The presidential election: ugh 118: Abortion: it okay 117: MySpace: idk 116: Reality TV: it whack 115: Parents: mine suck rn 114: Back stabbers: you dumb 113: Ebay: it okay 112: Facebook: it okay 111: Work: i complain a lot but its actualy good 110: My Neighbors: they okay  109: Gas Prices: they high now 108: Designer Clothes: eh 107: College: its alright 106: Sports: they alright 105: My family: broken rn 104: The future: im scared [ Last time I ] 103: Hugged someone: yesterday 102: Last time you ate: 30 min ago 101: Saw someone I haven’t seen in awhile: today 100: Cried in front of someone: a week ago 99: Went to a movie theater: almost two weeks ago 98: Took a vacation: two weeks ago 97: Swam in a pool: the winter 96: Changed a diaper: never 95: Got my nails done: looong time ago 94: Went to a wedding: friday before last 93: Broke a bone: never? 92: Got a peircing: when i was 2 months old 91: Broke the law: a few days ago 90: Texted: rn [ MISC ] 89: Who makes you laugh the most: my friends  88: Something I will really miss when I leave home is: my dog and bed 87: The last movie I saw: it may have been la llorona 86: The thing that I’m looking forward to the most: school ending and going to nyc and doing stuff 85: The thing im not looking forward to: my dad moving out 84: People call me: nani 83: The most difficult thing to do is: ask 82: I have gotten a speeding ticket: no 81: My zodiac sign is: virgo 80: The first person i talked to today was: my grandpa 79: First time you had a crush: prob kindergarten or something 78: The one person who i can’t hide things from: certain person 77: Last time someone said something you were thinking: today 76: Right now I am talking to: bbb 75: What are you going to do when you grow up: i dont know 74: I have/will get a job:? 73: Tomorrow: i have a final 72: Today: i had a final 71: Next Summer: im going to ny 70: Next Weekend: idk what im doing 69: I have these pets: dog and fish 68: The worst sound in the world: screaming 67: The person that makes me cry the most is: idk 66: People that make you happy: my friends and fmaily kinda 65: Last time I cried: a bit ago idk 64: My friends are: cool 63: My computer is: nice 62: My School: alright 61: My Car: cute 60: I lose all respect for people who: believe dumb things 59: The movie I cried at was: i dont remmeber 58: Your hair color is: brown 57: TV shows you watch: non rn 56: Favorite web site: pornhub  55: Your dream vacation: all of europe  54: The worst pain I was ever in was: golf ball sized blister on my foot while having a shoe on it 53: How do you like your steak cooked: yes

52: My room is: messy

51: My favorite celebrity is: kaya 50: Where would you like to be: in a good place 49: Do you want children: porbably 48: Ever been in love: i think so 47: Who’s your best friend:  46: More guy friends or girl friends: 45: One thing that makes you feel great is: 44: One person that you wish you could see right now: bbb 43: Do you have a 5 year plan: no 42: Have you made a list of things to do before you die: no 41: Have you pre-named your children: kinda 40: Last person I got mad at: dad 39: I would like to move to: washington 38: I wish I was a professional: [ My Favorites ] 37: Candy: reeses 36: Vehicle: subaru 35: President: obama 34: State visited: washingotn 33: Cellphone provider: idk 32: Athlete: uj 31: Actor: evan peters 30: Actress: kaya 29: Singer: sky 28: Band: movements 27: Clothing store: hm 26: Grocery store: king soopers 25: TV show: twd 24: Movie: not sure 23: Website:  22: Animal: fox 21: Theme park: universal florida 20: Holiday: 19: Sport to watch: 18: Sport to play: 17: Magazine: 16: Book: 15: Day of the week: 14: Beach: 13: Concert attended: 12: Thing to cook: 11: Food: 10: Restaurant: 9: Radio station: 8: Yankee candle scent: 7: Perfume: 6: Flower: 5: Color: 4: Talk show host: 3: Comedian: 2: Dog breed: 1: Did you answer all these truthfully? 

cheapest used cars to insure

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cheapest used cars to insure

cheapest used cars to insure: Allstate, Geico, Progressive and Nationwide. If you’re looking for cheap liability insurance, Progressive will be at the top of the list in nearly every state. Nationwide, at $1,004 a year and Geico at $1,062, both are $1,000 or lower. Allstate will be cheapest, at $1,003, and Progressive is even cheaper at $1,030. In some states, drivers may want to consider more than just three companies: They can also get a for an average of about 20 percent more — with Liberty Mutual at $1,965, Progressive at $2,038 or more for three-car a year. All states with an uninsured motorist coverage level requirements must have at least $5,000 in that minimum. Some insurers may not insure the minimum amount for all drivers, so always be sure to shop for quotes before adding more coverage to the policy. Allstate at $2,. cheapest used cars to insure in Iowa are these 2019 Chevrolet Spark S sedans and newer versions of Toyota Camry. When you turn age 80, you’re considered “full coverage,” so it’s wise to shop around for to find the cheapest rates. But no matter your age group, you can still find great car insurance rates in Iowa. Ensure you re getting the best rate for your auto insurance. Compare quotes from the top insurance companies. If you’ve ever been in a car accident or been cited for driving without insurance, you likely know that it’s quite traumatic. After an accident, you might quickly learn that you received even more than your insurer allowed. In Iowa, it’s possible to receive up to $500 in fines and license and registration suspension for each minor traffic offense. While taking this step can cause you to miss out on cheap car insurance, it s very wise to be cautious when dealing with an auto insurance company with solid relationships with. cheapest used cars to insure a recent Ford Fiesta, California’s average car insurance rate is $983. In addition to being significantly cheaper than average, the fact that this particular model has top marks from has done the same. Compare Car Insurify s Reach Downgraded The following are the top rated carriers that offer joint car insurance policies for two or more vehicles. Most of these companies have an “A-” rating from the BBB and receive an even better score from for financial stability. The bottom line: if you’re looking to get a joint policy for your vehicle, compare the price of joint policy.

What are the cheapest cars to insure in 2020?

What are the cheapest cars to insure in 2020? We have the cheapest car insurance for your in 2020. Compare auto insurance quotes from the top car insurance companies for the lowest auto insurance rates. You’ll get personalized quotes from top insurance companies so you can choose the policy that’s best fit for your budget. Take a look at the different types of car insurance coverage. Liability – if you hit another car, property damage or your own vehicle, and you hit a car without insurance, then liability coverage means you’ll be responsible if people are injured or your property is damaged. Accident Forgiveness – where you agree to pay out-of-pocket, if you are hit by someone without insurance or the person you hit is uninsured. This will pay for your medical bills and other expenses of people who may be injured in your vehicle. As a general rule, your rates will be based on what your car is worth, and that is often your best guess. If your car is more valuable than yours, then.

What makes a car cheaper to insure?

What makes a car cheaper to insure? How does J.D. Power grade a car for reliability, performance and price? Do you really need my auto insurance if I’m not driving the car well or have an accident in the first week? Your J.D. Power Rating is dependent on: The auto insurance company gives you a chance to talk with a licensed insurance agent, who can help you choose the best car  for you. The insurer is looking for all these criteria. J.D. Power’s ranking is based on the number of complaints filed against major auto insurers with state regulators, based on information about complaints information regarding complaints and compensatory losses. The insurance company has six ratings. The biggest companies offer the lowest premiums, but have very different ratings across the board. The lowest price is most significant if you’re a young driver or a high-risk driver who is looking for a low rate. Insurance companies use many factors to evaluate your personal decisions: location, driving history and the type.

What were the top 10 cheapest cars to insure in 2019?

What were the top 10 cheapest cars to insure in 2019? AutoinsuranceEZ.com, LLC may receive compensation from an insurer or other intermediary in connection with your engagement with the website and/or the sale of insurance to you. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. Policy obligations are the sole responsibility of the issuing insurance carrier. HomeInsurance.com, LLC, is a licensed insurance producer resident in North Carolina with license number 020773852, with its principle place of.

How does the age of a car affect insurance rates?

How does the age of a car affect insurance rates? First, age refers to the amount of time a vehicle is owned. As someone ages, the vehicle becomes more valuable and therefore, more valuable. For example, car insurance for a 25-year-old male in Arizona is about $5,852 per year, while his insurance for a 38-year-old man in California is about $4,941 per year, a mere $66 difference. Age does not always predict whether or not you get the cheapest car insurance rates. For instance, a 30-year-old driver in Florida will pay about $4,904 per year, while a 40-year-old driver in Arizona will pay about $3,750. Car insurance rates are calculated based on risk, so a high risk driver may pay more for insurance than a riskier driver. Age also has an impact on your auto insurance rates. Teen and young adult drivers have much higher car insurance premiums than the average driver. Age is still relatively new at this time.

Other factors that affect car insurance rates

Other factors that affect car insurance rates are: Driving history matters. More than likely than not, new vehicles will be more expensive to insure, but not having a history of accidents and tickets will only increase your insurance rates, because the odds of getting into an accident are relatively high. It just happens that new vehicles are more expensive to insure, even if you don’t have driving records. In addition, some insurers do offer discounts for drivers who can pay their insurance premiums on time. The insurance industry does not want these policies, and most people choose to simply avoid the risk in the first place. As long as you don’t live in a state where your insurance can be denied when registering a new vehicle, your insurance rates will probably not be impacted greatly. If you live in one of the states listed above, you can expect your car insurance rates to be significantly lower if you live in one of these states: Most insurance agencies will ask you to choose a state for the premium you will receive. This is your insurance.

What were top 10 cheapest cars to insure in 2018?

What were top 10 cheapest cars to insure in 2018? Did you know the average cheapest car to insure in 2018 and 2019? Did you know the average cheapest auto to insure in 2019 and 2020? Did you know the average cheapest car to insure in 2020? Did you know the average cheapest insurance premium for full coverage car insurance policies in New Jersey and California? Did you know the average cheapest car insurance premiums for full coverage car insurance to insure in Nevada and California? Did you know how auto insurance premiums have dropped for full coverage car insurance in Nevada and California over a 15-year period? You now know and you might be wondering if you need full coverage car insurance or full coverage car insurance because full coverage car insurance is better suited to small to midsize drivers like you and teenagers and is cheaper than having full coverage car insurance. For a comparison cost check below, a full coverage car insurance comparison is for a driver aged 25: Read the table to learn the best full coverage auto insurance companies for full coverage car insurance. But which company actually offers full coverage car.

Cheapest cars to insure

Cheapest cars to insure in Tennessee Compare the cheapest insurance rates in Tennessee You can use a quote tool to shop for affordable car insurance rates or set reminders to stay within driving age and keep your credit card payments low. Drivers in Tennessee are required to carry a minimum of $25,000 per person for bodily injury liability and $50,000 per accident. Also, be sure to carry uninsured motorist coverage which in Tennessee is considered a high-risk coverage. How to counter the rising cost of car insurance in Tennessee Experts suggest purchasing as much liability car insurance as you can afford in an amount that is sufficient to cover the costs of any one person or vehicle. If a covered accident costs more than $70,000, the policy should cover the administrative expenses for the accident and the driver’s injuries. Source: NerdWallet analysis oflaws in Tennessee.org. Cheapest insurance after a DUI in Tennessee After a DUI, the cheapest auto insurance companies return with same level of coverage and.

What were the top 10 cheapest used cars to insure in 2018?

What were the top 10 cheapest used cars to insure in 2018? Check out these car insurance in USA. We re happy to help you and fellow New Mexicans find affordable car insurance to get you driving legal for less¹. Before you buy auto insurance, it’s important to know New Mexico’s car insurance laws so you can make sure you’re meeting the legal requirements for your state. The state of New Mexico offers a simple, online way to verify insurance as a means of compliance with state law. No matter your situation or budget, it’s important to know the basic laws governing New Mexico’s car insurance. According to the New Mexico Motor Vehicle and Insurance Regulation Commission, New Mexico’s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. New Mexico also requires all drivers to maintain proof of financial responsibility in the car they are operating. New Mexico does not require drivers to obtain New Mexico car insurance card statements. However, drivers that have a suspended license or been convicted.

The 10 cheapest used cars to insure in Canada:

The 10 cheapest used cars to insure in Canada: While not necessarily the cheapest or the best car to drive in Canada, these are the cheapest cars to insure in other countries. These are the 10 cheapest cars to insure in France: After doing our own research, we found car insurance laws can be confusing. In almost all countries, insurance companies have to offer their students with a student discount. We can help you determine which countries offer affordable students insurance policies at the end of the insurance term period. The French student insurance will cover most vehicle-related liabilities caused by an accident. The driver responsible for the accident has to pay up-to a $10,000 medical bill. It is the driver s responsibility to prove the insurance is sufficient to provide proper insurance coverage while receiving the appropriate premium relief. The French student insurance will help the French-speaking student and their families cover the costs of your medical procedure. If you want to discuss the French student insurance in your area, we recommend you speak with one of our experts after you complete your French-speaking.

amica auto insurance address

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amica auto insurance address

amica auto insurance address, you will be sure to receive the quote right then and there. This is to confirm if the company will offer you the exact policy that is currently required. The company may only allow up to a date as required, but you might just find it better value for the coverage. Most auto insurers will provide insurance coverage to you within a certain time period. This is usually around 30 days after you find the best value in your area. Usually, you will receive the quotes online or by phone. Some companies only allow up two or three weeks. If you are looking for a high-quality customer service experience, you may find yourself left scratching your own itch. Even if you don’t find yourself with such a lengthy time frame, insurance is worth it. At C.E. Wilson, LLC, we believe in putting your insurance to work. We want to make sure that your insurance needs are always aligned with the things it cares about. And, we want to make sure that you. amica auto insurance address. Car Insurance Rates per Month Compare loading Fetching your data... 5 26 38 25 100 270 . amica auto insurance address and the driver is named, and a sample car insurance quote for $1,600/month is at $1,853/month. If you get towed, the penalty is not big, not to mention the fine. Your driving record means someone you have tried to have a tow truck on your property. If you don’t have a vehicle, you could be facing a citation because you didn’t have insurance at all. Most of the time, people file citations for minor , even if they had insurance! Even if the DMV thinks you have failed to maintain an insurance policy against the risk, your insurance records are still showing up for a tow truck. The first offense is not too bad, as long as it doesn’t lead to a fine from the DMV. The second incident’s your driving record indicates you still have your driver’s license. While driving under the.

Amica helps you find more ways to save on insurance.

Amica helps you find more ways to save on insurance. Our insurance agents can help you find a provider in your area and will find a provider that is more competitive for you. Find out more about auto insurance. Compare quotes from the top insurance companies. Life insurance from Covered CA is affordable. We work with a variety of top insurance carriers to bring you the most competitive rates. The CoveredCA program comes with a low auto fee, no waiting period, as well as a no health exam option. Life insurance plans are underwritten and issued by Independent Agencies: is a life insurance provider that uses online tools to find a policy or apply. Find a CoveredA CA insurance quotes comparison tool and start saving on life insurance right now. Compare life insurance quotes online. You could save hundreds on your life insurance policy. The.

Other Insurance Products Offered by Amica Insurance

Other Insurance Products Offered by Amica Insurance Co.  By Using Our Mobile App or Discover, you create an account on our website for non-commission services when using the Apple or Android smartphone. You are also able to access your iPhone or Samsung phone or other mobile device with iOS or Android. It is important that you do not have an insurance card in order to access this account. However, you should do some backup copy, you should not assume your insurance company will make you a promise to have your insurance information and your claim documents with you at all times. If your carrier allows such backup copies, you cannot request them from your insurance company. Once you are in the iTunes App store, you should make sure to have your card lying on the front of your device. Do not assume that your insurance carrier might even refuse to let you show proof the time your notice is due. If you choose to have your insurance info posted on the Apple Watch, you can easily transfer the current insurance information to a third party.

Amica Car Insurance Ratings

Amica Car Insurance Ratings). It earned a BBB rating in the National Conference of Insurance Commissioners panel for financial stability. If you’re new to the industry, you may want to first understand the basic structure of car insurance. Car insurance coverage protects you from financial consequences if you cause a crash, damages property, and injuries to others, and is required by law. Car insurance in New York State is fairly new to the industry. The is only in force for a few years while the is ongoing. The state’s law of lien-hold and lease-hold liability insurance is considered an industry standard. The state only permits auto insurance policies with a minimum liability of $30,000 per person and $60,000 per accident. As you read further in this article, Liability insurance is just one of many types of car insurance that the state will prohibit. This is why there may be different rules for drivers who are deemed high-risk, with certain restrictions on when and how.

How can I cancel my Amica car insurance policy?

How can I cancel my Amica car insurance policy? If you get car insurance with Amica, it’s still a great decision to not get it. The best decision that you make when it comes to your car insurance is to look at Amica’s options as a source of financial protection. Their top quote is $1,874. The lowest price it was was is about $200 per year. It’s great to have a company with as good ratings and reputation as Amica. The car insurance rates of Amica depend on several factors you can’t control. To calculate those rates, we looked at prices with and without Amica policies. This policy is available in the following states: You can get car insurance with Amica from other companies, either through its private marketplace or by direct mail. To see your quote, simply call the Amica phone number, complete the dash before asking for Amica quote, and select the option to add an agent to your quote. The number displayed before the dash.

Auto Insurance Quotes Comparison: Amica vs. Competitors

Auto Insurance Quotes Comparison: Amica vs. Competitors.com. In response to its recent acquisition, competitor.com. Amica had been owned by the incumbent company, State Farm, since 1935. The company made all its money by buying and selling insurance and credit cards with a profit based on these policies, and they could not pay for a policy because they failed to pay out in an attempt to recover the profits associated with them. Their credit cards are limited and limited to the value of the policy, and they make most coverage possible by paying for all out of pocket expenses that they may not have gotten. Amica’s policyholders are customers of other insurance providers because they have a broad range of options for them. So if you want the best coverage for the lowest payment possible, then the name you need is other insurance. Amica’s customers are customers of two other provider, Progressive and Amica Life Insurance Company. Progressive’s policyholders are customers of Progressive Life Insurance Company. Amica Life Insurance Company also provides.

States Where Amica Offers Car Insurance

States Where Amica Offers Car Insurance Coverage Rates in NJ: In December of 2019, Amica’s car insurance rates increased by 10% from 2019-2020. The reason for the increase comes in line with its low rates for many other car insurers. For 2019, Amica was among the highest-rated insurers with an average annual premium of $0.91 in NJ. The lowest AMC car insurance rate was $11, while the highest AMC car insurance rate was $15, in NJ. The higher insurance payment rates combined with the higher insurance risk are why it’s a better choice for NJ drivers to look into better car insurance options. See below how your auto insurance quote will vary based on whether you’re buying car insurance directly from Amica, another insurer that offers excellent coverage and services. Amica’s insurance coverage options include: As of 2016, there were in the United Kingdom, meaning people pay insurance premiums directly from their insurers. Because of this dynamic, car insurance with.

How Can I Buy Auto Insurance from Amica?

How Can I Buy Auto Insurance from Amica? All of Amica’s auto insurance policies include additional optional coverages that most other insurers have failed – like identity theft and lien collection coverage. How Many Policies Are in the Wall? A large number of Amica policies include an extensive online listing of the car insurance coverages as standard coverages – not just the cheapest. Amica also offers customers the option for the option of filing a claim within just 30 minutes of receiving the damage. This is helpful in a number of situations where it is difficult to contact Amica over the phone. Amica is one of the most famous and reliable insurance companies around. The company’s motto is: “You need to be honest, trustworthy and have a good driver who is willing to offer you a good rate when you buy a policy.” You also get coverage for lost receipts to protect against damage to your vehicle when you are driving it for business purposes.  .

Frequently Asked Questions: Amica Car Insurance

Frequently Asked Questions: Amica Car Insurance and Life Insurance is a very different type of insurance company. It does not have a rating from any national rating organization. The company has been in the life insurance industry for a long time. You can call an Amica representative. They specialize in commercial and personal insurance. For some of the most popular car insurance companies in the country, Amica has a significant market share, with market share over 30 percent in 2018 according to TRUKE magazine. Amica has strong ratings with industry professionals, including industry professionals and industry professionals. The company provides high-quality insurance policies for high-risk drivers as well as drivers who have a bad driving record or are under the influence. Some companies also offer discounts to consumers who switch from the company to the new company because Amica is considered a safer company. You should always compare rates and policies with numerous other high-risk car insurance companies when you shop for car insurance. Make sure you get multiple quotes. The website has many insurance tips and advice.

The first and only insurer to win 50 J.D. Power awards.2

The first and only insurer to win 50 J.D. Power awards.2 has been the country’s most recognized chain of insurance in all 50 states.3 The US is home to the nation’s leading public school and the nation’s fourth-highest college athletics.4 The US has won five national and regional titles.5 The J.D. Power ranking is based on factors such as affordability, customer reliability and economic competitiveness. Power goes beyond economics, and the need for customer service. Consumers can.

Amica Auto Insurance Coverages

Amica Auto Insurance Coverages is a local family of  offering good insurance for  and  who don t have their own insurance policies. There are some similarities, but it is by no means a one size fits all company. We are an independent company, but we do have the ability to offer you the best auto insurance, regardless of any individual driving profile that you may have. When doing a quote for A, we work with several insurance companies in many different states. This is why we have local agents who are in the local market to serve on the call and make sure that you have the correct coverage at the right price to protect yourself in the event of an on-time payment to you and your vehicle. There is an insurance solution on top of all this, and that solution is good as heck. Our job is to apply all of that information to help us find coverage for you properly, no questions asked. A lot of auto insurance companies are already using what information we do, so.

LifeLock Review

Did you know that one in four people will experience identity theft at some point? That’s hardly surprising, given the fact that so much of our lives now take place online, including communications, shopping, web browsing, banking, and even investing. A thief only needs to get access to your computer or cell phone, and he can get all the information needed to access your existing accounts, apply for new credit in your name, or even impersonate you in getting a job or committing a crime. The threats are all around and are growing each year. A service like LifeLock provides what is perhaps the greatest level of protection offered by any single service in the industry. By working with Norton, one of the most respected names in Internet security, they can protect your computer and mobile devices – and a whole lot more. They also provide alerts for activity in connection with your credit, banking, Social Security number, and even your home address. And if all else fails, each plan they offer has an insurance package that will reimburse you for financial losses sustained as a result of identity theft. Each plan also comes with a degree of credit monitoring. It’s minimal on the most basic plan, but fairly comprehensive on the premium plan. Since LifeLock provides so many different services, it can be less expensive than if you had to pay for each of those services individually.

About LifeLock

LifeLock is perhaps the best-known of all identity theft protection services available. This is likely because the company advertises heavily on TV and the Internet. Based in Tempe, Arizona, the company was founded in 2015. They currently claim they have over 5 million customers. LifeLock may be the most comprehensive online and identity theft protection service available. Not only do they provide basic Internet security, but they also provide safeguards to protect your identity in everything from your physical address to your investment accounts. And if your identity is stolen, they can help you restore it, and even provide insurance to cover your financial losses. They do caution, however that they are not a credit repair service. But that may be the one service LifeLock doesn’t provide. LifeLock offers three different plans, all of which come with credit monitoring. But two of the plans provide additional credit services to help you further monitor your credit. They also offer credit-related alerts, to let you know any time your name is associated with a credit related event, such as an application for new credit or a data breach violation. LifeLock has a Better Business Bureau rating of “A-” (on a scale of A+ to F), and though it isn’t BBB accredited, the bureau has kept a file on the company since 2005.It gets four stars out of five with Trustpilot, with a TrustScore of “7.2” (with 10 being the highest rating), based on 38 reviews.LifeLock has one star out of five on Yelp based on five reviews. GET STARTED WITH LIFELOCK → 

How LifeLock Works

LifeLock starts with a limited credit monitoring capability. They offer three different plans, and each comes with a different level of credit services. Each of the three plans offers credit monitoring, but the two premium plans also provide a copy of your annual credit report and credit monitoring for up to three bureaus. In the process, they also monitor and report misuse of your Social Security number, suspicious activity with your bank accounts and credit cards, and alerting you of crimes committed in your name. One plan even provides activity alerts for your 401(k) and investment plans. In the event your identity is stolen, they provide 24/7 member support, as well as US-based identity restoration specialists who can help you go about the often complicated process of restoring your identity. They even provide lost wallet protection on all three plans, to minimize the damage should your wallet be lost or stolen. Other credit-related services include Dark Web monitoring (the Dark Web is where stolen identity information is typically bought and sold), alerts on any changes in your address, and data breach notifications. Two of the plans also offer account activity alerts for your checking and savings accounts. Each plan provides security for at least five devices, including computers, tablets, and mobile devices. Each offers a different level of PC cloud backup storage, as well as a 100% virus protection promise and parental controls. LifeLock provides you with VPN for five or more devices. This is a valuable service by itself, since it is typically available as a standalone product, paid for on a monthly basis. VPN services mask your online identity, enabling you to browse anonymously, protecting you from monitoring by unauthorized parties who may attempt to steal your identity while you are online. The LifeLock Million Dollar Protection Package Each of the three LifeLock plans comes with the Million Dollar Protection Package. It starts with coverage for lawyers and experts for up to $1 million on all three plans. But it also has stolen funds reimbursement, ranging from $25,000 up to $1 million, and compensation for personal expenses, also ranging from $25,000 up to $1 million. LifeLock recognizes that the damage from identity theft can never entirely be prevented. But with the Million Dollar Protection Package, you can receive financial compensation for losses sustained as a result of a theft.

Three Different Plans Offered

To accommodate different customer needs and budgets, LifeLock offers three different plans. Each of the plans comes with the following data security benefits: US-based identity restoration specialists24/7 live member supportIdentity and social security number alertsLost wallet protectionUS Postal Service address change verificationDark Web monitoringData breach notifications100% virus protection promiseParental controlsAnonymous browsing (the VPN service)Ad-tracker blockerPC SafeCam Each plan also comes with Internet security provided by Norton as part of the plan. That will eliminate the need to maintain a separate Internet security system on your computers or mobile devices. 1. LifeLock Select For $9.99 per month for the first year (then $14.99 per month), the Select plan provides the following services: Social Security number alertsSecurity for up to five devicesVPN for up to five devicesReimbursement for stolen funds and personal expenses of up to $25,000Coverage for lawyers and experts up to $1 millionOne-bureau credit monitoringPC cloud backup for up to 100 GB SIGN UP FOR LIFELOCK SELECT →  2. LifeLock Advantage For $19.99 per month for the first year (then $24.99 per month), the Advantage plan provides the following services: Social Security number alertsCredit, checking and savings account activity alertsSecurity for up to 10 devicesVPN for up to 10 devicesBank activity alertsCredit card activity alertsAlerts on crimes in your nameReimbursement for stolen funds and personal expenses of up to $100,000Coverage for lawyers and experts up to $1 millionOne-bureau credit monitoringAnnual credit scoreFictitious identity monitoringPC cloud backup for up to 250 GB SIGN UP FOR LIFELOCK ADVANTAGE →  3. LifeLock Ultimate Plus For $29.99 per month for the first year (then $34.99 per month), the Ultimate Plus plan provides the following services: Social Security number alertsCredit, checking and savings account activity alertsSecurity for unlimited devicesVPN for unlimited devicesBank activity alertsCredit card activity alertsAlerts on crimes in your nameAnnual credit reports from all three-bureausAnnual credit scoreInvestment and 401(k) activity alertsReimbursement for stolen funds and personal expenses, and compensation for lawyers and experts of up to $1 millionThree-bureau credit monitoringMonthly one bureau credit score trackingFictitious identity monitoringBank account takeover alertsFile-sharing network searchesSex offender registry reportsPC cloud backup for up to 500 GB SIGN UP FOR LIFELOCK ADVANTAGE →  LifeLock Junior Many people mistakenly believe credit monitoring and identity theft protection aren’t needed for children, but that’s not the case. Children often make easier targets for identity theft precisely because they don’t have a credit profile. A thief only needs to obtain their name, address and Social Security number to engineer an identity theft that may not be detected until the child turns 18 and makes an application for credit, a job, or college. That’s why LifeLock offers LifeLock Junior. For $5.99 per month, it will provide the following protections for your child: LifeLock Identity AlertsDark Web monitoringLost wallet protectionStolen funds reimbursement up to the limits of your planCredit file detection, to determine if any credit information is associated with your child’s identityIdentity restoration supportFile-sharing network searches

LifeLock Features and Benefits

The LifeLock 60 Day Guarantee. If you are not satisfied with the service for any reason, you can cancel it within 60 days for a full refund. The refund applies only if you have paid for service on an annual basis. If your subscription is monthly, you will be charged for each month in which the service was rendered. Devices protected by LifeLock. The service is available for computers, tablets, and mobile devices. It works with the current and previous two versions of Mac OS, as well as Windows operating systems, including Microsoft Windows 7 with Service Pack 1 or later, and all versions of Windows 8, 8.1 and 10. It’s available for mobile devices as indicated below. LifeLock Mobile App. You can stay connected with LifeLock through their mobile app. It’s available at Google Play for Android devices 4.2 and up, and at The App Store for iOS devices, 9.3 and later. It’s compatible with iPhone, iPad, and iPod touch. Customer service. Customer contact is available by toll-free phone, 24 hours a day, 7 days a week. They also offer a Member Portal, providing a self-service option with quick answers to the most common questions.

How to Sign up with LifeLock

To be eligible to sign up with LifeLock, you must be at least 18 years old and a US resident. Your minor children can be included in your plan, but they cannot enroll individually. LifeLock will request the following information: Your full name, and that of any family members who will be added to your planEmail addressHome addressYour date of birthSocial security numberYour phone numberYou will also be required to provide similar information for any family members who will be part of your plan. LifeLock will verify your identity with a valid driver’s license. For billing purposes, you will be required to put a credit card on file. LifeLock Pros & ConsPros:LifeLock is fully comprehensive. You will not need to maintain separate services for credit monitoring, identity protection, VPN or Internet protection. All three LifeLock plans provide all services.You’ll pay a flat monthly or annual fee. There’ll be no additional fees for add-on services.24/7 customer service means you’ll be able to connect with LifeLock at any time the need arises.The restoration services provided by LifeLock will work with you to minimize the damage from identity theft, as well as to restore your identity.The Million Dollar Protection Package provides up to $1 million for stolen funds reimbursement, personal expense compensation, and coverage for lawyers and experts. That will protect you from the financial fall out of having your identity stolen.LifeLock goes beyond credit monitoring, and also monitors the Dark Web, provides data breach notifications, change of address notifications, and unauthorized use of your Social Security number, and bank and investment accounts.Cons:As comprehensive as the LifeLock program is, they don’t offer credit repair. If that’s the service you’d like to have, you’ll need to work with another id theft provider.The monthly payment for each of the three service plans is quoted for the first year only. After that, the monthly fee for each plan will increase by $5.To get full credit and credit monitoring protection, you’ll need to select the premium Ultimate Plus plan. The other two plans, particularly LifeLock Select, provide only the most basic credit monitoring capabilities.The service can be expensive for an entire family. You’ll have to take a subscription for each adult, as well as enroll each child in the LifeLock Junior plan. For two adults and two children, that will be $31.96 per month.Who LifeLock will Work Best ForLifeLock can work well for anyone, but it’s best suited to those who want comprehensive protection on nearly all fronts, and are willing to pay for that protection. The real strength of LifeLock is the variety of services they offer. The program comes with Norton 360 protection for your computers and mobile devices. But they also offer credit monitoring, identity restoration services, insurance coverage to protect you from financial losses, and VPN services to provide safe online browsing.If you had to pay for each of those services individually, it would likely exceed the monthly cost you will pay for even the LifeLock Ultimate Plus plan.Where LifeLock seems strongest is in his restoration services. The time to get identity theft protection is always before the theft occurs. No service, not even LifeLock can guarantee that your identity will never be stolen. But if it ever is, it can be a nightmare to fix. LifeLock works with you through the whole process, providing you with restoration specialists to help you do what’s needed, then offers insurance to cover financial losses sustained as a result of the theft.If you’re primarily interested in credit monitoring or credit repair, LifeLock isn’t the most cost-effective program to use. First, they don’t provide credit repair at all. Then their credit monitoring capabilities are modest compared to the competition. But if you’re looking for 360° protection, LifeLock is your go-to plan. Read the full article

BBB Week 38 Roundup!

Our December party is coming up this weekend, we’ll see you there!

Title: Pour Out Your Demons Collaborator(s): Ribbonsflying Link: Tumblr Square: K5 - AU: Gothic Rating: Teen Ship(s): Bucky/Natasha Major tags/warnings: writer!bucky, coping mechanisms, books Summary: Bucky becomes a gothic horror writer. Word count: 100 (drabble)

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Title: bookstore Collaborator(s): call-me-kayyyyy Link: AO3 Square: Y5 - found family Rating: Gen Ship(s): stucky Major tags/warnings: bookstore, reunion, surprise Summary: Steve has been looking for Bucky for a long time while he was on the run. He didn't expect to find him in the local Brooklyn Bookstore of all places but Bucky was family and he would never stop looking. Word count: n/a

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Title: Bucky's Sparkly Dildo Revenge Collaborator(s): call-me-kayyyyy Link: AO3 Square: C1 - sam wilson falcon Rating: Mature Ship(s): steve/bucky/sam Major tags/warnings: crack treated seriously, star wars references, dildos, polyamory Summary: Sam and Steve are fighting over whose turn it was to go out with Bucky, but to keep it fair, they are fighting with dildos... Word count: 94

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Title: BBB October 2021 Round Robin Collaborator(s): BBD2BH Link: AO3 Square: K1 - Team Bonding Rating: Gen Ship(s): Gen Major tags/warnings: Bucky Barnes Needs a Hug, Steve Rogers Is a Good Bro, Developing Friendships, Team Bonding, Meditation, Avengers Family Summary: How Bucky starts finding and expanding his comfort zone, and making friends with the Avengers. Word count: 2645

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Title: BBB October 2021 Round Robin Collaborator(s): Huntress79 Link: AO3 Square: U2 - Clint and Bucky (comic), hugging Rating: Gen Ship(s): n/a Major tags/warnings: Bucky Barnes Needs a Hug, Steve Rogers Is a Good Bro, Developing Friendships, Team Bonding, Meditation, Avengers Family Summary: How Bucky starts finding and expanding his comfort zone, and making friends with the Avengers. Word count: 2645

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Title: Steve&Bucky Art Format Primary Colors Collaborator(s): Rufferto Link: Tumblr Square: C3 - Free Space! Rating: Teen Ship(s): Bucky/Steve Major tags/warnings: #PrimaryColors #bright Summary: It's just Steve and Classic Bucky colored with primary colors. Word count: n/a

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Title: fic Collaborator(s): thefalconthatcriedwolf Link: Tumblr Square: C1 - Captain America/Steve Rogers Rating: Explicit Ship(s): Bucky Barnes/Sam Wilson/Steve Rogers Major tags/warnings: light angst, hurt/comfort, threesome, roommates to lovers, bottom Steve, top Bucky, top Sam, oral/anal sex, no refractory period, threesome Summary: the simplest solution, really, is for everyone to be Captain America Word count: 7721

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Title: The Winter Knight Collaborator(s): Grandmacore Link: Tumblr Square: K4 - AU: Historical Rating: Teen Ship(s): N/A Major tags/warnings: Knight Bucky, Revenge, AU: Historical Summary: The Winter Knight. Bucky Barnes is a knight. He has fought on behalf of many men, from kings to devious people. But no more. He won't fight a battle that isn't his ever again. He travels through the lands and visits every little kingdom to get revenge on those who wronged him. Word count: N/A

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Title: Stay Collaborator(s): Grandmacore Link: AO3 Square: B2 - Sam Wilson Rating: Teen Ship(s): Steve/Bucky Major tags/warnings: Getting Together, Alternate Universe - Modern Setting, Grief, Christmas, New Year's Eve, Ice Skating, Referenced Character Deaths Summary: After the death of Bucky’s parents and sister, his friend Sam arranges a getaway for Bucky; a few weeks of sharing a cozy cabin with Sam’s other friend Steve. When Bucky and Steve meet they immediately feel connected and it’s not long before that connection grows into something deep and beautiful. Word count: 3229

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Title: BBB October 2021 Round Robin Collaborator(s): PoliZ Link: AO3 Square: B5 - B5 - Secret Admirer Rating: Gen Ship(s): Steve & Bucky Major tags/warnings: Bucky Barnes Needs a Hug, Steve Rogers Is a Good Bro, Developing Friendships, Team Bonding, Meditation, Avengers Family Summary: How Bucky starts finding and expanding his comfort zone, and making friends with the Avengers. Word count: 331

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Title: Perfection: Sensual and Sublime Collaborator(s): LBibliophile Link: Tumblr Square: K3 - FUBAR Rating: Gen Ship(s): Bucky Barnes & Steve Rogers Major tags/warnings: Cake decorating, fluff, drabble Summary: Bucky is struggling with his new hobby. But he is having fun, and Steve is more than happy to help dispose of the results. Word count: 100

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Title: A "Chance" Encounter Collaborator(s): Rufferto Link: Tumblr Square: Y5 - Identity Porn Rating: Teen Ship(s): Helmut Zemo / Bucky Barnes Major tags/warnings: Zemo, Not entirely chance encounters. Summary: Helmut Zemo has seen this fascinating man at the park jogging for two months now. He’s decided to take matters into his own hands and pretend to have too much for a picnic because someone else didn’t show up. Little does he know that the man in the park is the Winter Soldier. The very one he’s been coveting for years. Word count: n/a

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Title: BBB October Round Robin Collaborator(s): Laevateinn Link: AO3 Square: U5 - Bruce Banner (the Hulk) Rating: Gen Ship(s): N/A Major tags/warnings: Team Bonding, Bucky Barnes needs a hug, Avengers Family Summary: How Bucky starts finding and expanding his comfort zone, and making friends with the Avengers. Word count: 2.6k (350 for my part)

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Title: Twenty Seconds Collaborator(s): ribbonsflying Link: AO3 Square: K4 - Kink: "You're such a tease." Rating: Mature Ship(s): Steve/Bucky Major tags/warnings: Fake/Pretend Relationship, Coming Out, Sexting, AU -Pizza Parlor, Surprises Summary: Bucky lies to his mom about having a boyfriend so when his mom surprises him by coming to New York, Bucky panic and asks Steve to pose as his boyfriend. The only thing is that Bucky barely knows Steve. Steve's just the guy at the pizza parlor that Bucky's teased a few times. He's just as likely to let Bucky crash and burn for a little bit of payback. Word count: 6129

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Title: Lady in Red Collaborator(s): Caiti Link: AO3 Square: B4 - Seeing Red Rating: Teen Ship(s): Bucky Barnes/Natasha Romanoff/Clint Barton Major tags/warnings: Mood board Summary: An unexpected meeting at a party can lead to so much more. Word count: n/a

WIP Wednesday  - 31 Mar 2021

I touched  6 fics  (5 WIPs & 1 new work) for a total of 2540 words since last Wednesday -  more than doubling my goal of at least a thousand words a week. I’m also siting at  almost 26k for the year --  which is over halfway to my goal of 50k words for the year!  

Organizing the list of WIPS/updates by bingo cards & other challenges  - since pretty much everything I’ve been working on is for them.

Tony Stark Bingo (runs thru 10 April 2020)

Ooof - getting down to the wire here!  With 10 days left, I’ve filled 20 squares  and scored three bingos (Column T, Row 4 and Row 5).  I have a decent chance of a getting a blackout, as I’ve started something for every square except Star Lord/Peter Quill.  The trick is which of these WIPs I can get finished in time....  

* Hot Water -  The Stars May Not Accept Us - this will be the Free square/crossover for my  One Fill, One Bingo challenge in the STB Bingo (see below). Currently sitting at 1532  words - the next few scenes are still percolating in my mind. Current Last Line: “And they were in close contact, especially once Butterfingers joined them to do her work.”      

*FREE -  Filling with one of the following - whichever I finish first:  --The remix/smutty expansion of Double the Pleasure, Double the Fun  (which in turn is an in-progress expansion of this drabble)  This is a crossover with my BBB  Selfcest square,  Current Last Line:   “Wait a minute.  How’d you know how long we been stepping out?”  Bucky asked with that Brooklyn drawl that sent tingles up Tony’s spine.   -- Chapter 4 of   Unexpected Alliances  This is a fantasy AU with fae!Bucky and shifter!Steve  - enemies to friends to (probably) lovers. This chapter is sitting at 644 words and introduces another shifter who provides a clear link to this bingo 😁 Current Last Line:  Honey, who had returned to her human form, added, “If it’s in any way possible, Baleful will figure it out.”

* Backrubs/Massages –  Equal Footing   posted this morning - came in at 879 words  with a sideways nod to a prompt from @rebelmeg  😁 ​ (ogling a character’s backside) and assist from Magica.

* Peter Quill/StarLord – as much as  really, REALLY ought to finish out Carry On, Wayward Sons,  the inspiration well has pretty much dried up on that one  :^/  Will probably do a Stuffed Marvel design for this instead. (unless I can find a cheer-reader/co-conspirator?)

* WinterIron -  Another square that has multiple potential fills:  -- Chapter 2 of   My Love is Vengeance, which I poked at again. It’s in initial draft form and sitting at 1183 words.  Chapter 3 is barely started at 38 words  and  I’m still in a bit of a corner with the plot on this one, so If anyone wants to cheer read, I’d be thrilled to share it with you! Current Last Line:   “ Like, digitized his consciousness? ” -- Chapter 2 of  Takin’ What They’re Givin’ (‘Cause I’m Workin’ for a Livin’), where Camboy!Bucky and TheMechanic have a one-on-one chat.  This is sitting at 593 words already and the smut has barely started!  Current last line - a bit too spicy for this post. 😊

* KINK: Sex Compulsion – decided this would be a good match for my Stucky Super Serum square  and a third chapter of  Takin’ What They’re Givin’ (‘Cause I’m Workin’ for a Livin’)  Am working on Chapter 2 and 3 simultaneously - this chapter is currently sitting at 204 words.  Current Last Line: His voice was deeper than TheMechanic’s had been, and there was a definite familiar drawl.  

* Noir Tony I adopted this fill back in October with the intent of incorporating it into a chapter of Mirror Images (Not Quite His Own).  Inspiration has (temporarily?) run dry on this, so I filled this square with a Stuffed Marvels sketch instead. 

* KINK: Threesome. I adopted this at the March party and am filling it with  Double the Pleasure, Double the Fun --   An expansion of this drabble where a dimension-hopping Tony meets Tony/Bucky - the ficlet is also a crossover with BBB Sent to a Different Dimension.  It’s basically done at 667 words - just holding on to it as I write the remix.

WinterHawk Bingo (Runs thru 30 Apr 2021)

I have 8  fills posted with one bingo.  Considering the new deadline extension - I’m hoping for a couple of crossovers with the Bucky Barnes Bingo - Round 3.

* Pranking other Tower Inhabitants - this would be a good match for my BBB image square of Clint boosting Bucky over a wall - but haven’t got anything beyond that bare hint of a scene – if anyone wants to throw a plot bunny my way, that would be awesome

* Alpine the Cat – I’ve had multiple requests for a follow up to  The Leash He Could Do -  I’m soliciting plot bunnies for this as well.

Stucky Bingo 2020 (runs thru 31 May 2021)

6 fills posted with three WIPs and a a couple of ideas on deck - if anyone wants to throw me some prompts to combine with squares, it would be greatly appreciated!

* Reunion -   Filled this with Chapter 3 of Unexpected Alliances, which posted Friday.  

* Super Serum – see  Sex Compulsion square on my TSB card above

Evil Steve - wrote a drabble for this that (as you might expect) is pretty damn dark on the face of it. It will be the first chapter of a fic that also that will crossover with my Discipline square for the STB Bingo and (in a bit of a stretch)  Hydra Cap also from this bingo.  Currently sitting at  270 words (100 for the drabble plus 170 for the second chapter) Current Last Line:  Tony was well and truly pissed and Bucky didn’t blame him a bit.

Steve/Tony/Bucky (STB) Bingo - (runs thru 20 Jun 2021)

9 fills posted with a couple of ideas in various statues of WIP-ness. I have 3 fills completed in my O column; the Western fancraft and my One Fill, One Bingo would get me a bingo (as would my One Fill, One Bingo for row 3).  Row 1 also has 3 fills completed - if anyone has prompts that would go with  Friends to Lovers or Avengers Movie Night - I’m all ears!

* One Fill, One Bingo -   The Stars May Not Accept Us  (see above)  is what I have planned for this challenge where you create a single work that includes 5 prompts that would score a bingo: I’m using  row 3: Bots as Children, Iron Dad, Free square (Hot Water from TSB), One Night Stand and  AU: Space.  

* Discipline -  see Stucky Bingo Evil Steve above.

* AU: Western - I’m thinking Stuffed Marvel versions of 1872 Steve and Tony would work nicely here…

Bucky Barnes Bingo  Round 3 - (Runs thru  31 Dec 2021 )

2 square filled; still need to decide which squares to swap out (I have 3 marked as possibles)

* Magic -  filled with 3rd chapter of  Unexpected Alliances (see above)

KINK: Selfcest  - remix/smutty expansion of  Double The Pleasure, Double the Fun - candidate for crossing over with FREE square of the TSB  (see above) 

* KINK: Threesome -  I have an in-progress World War Threesome (Steve/Bucky/Peggy) smutfic where Captain Rogers and Sergeant Bucky have to report to their superior after a slip-up on a mission.  It’s sitting at 1093 words at the moment and the smut is in progress.   Might try to squish my Stucky bingo Peace square into this as well.   Current Last Line:  But by that time she had already found herself attracted to Steve’s tenacity and forthrightness.  

—————–

Thanks to two generous donors joining forces, I raised $60 for the  What2Finish Charity Auction and will be working on the following published WIPs starting Real Soon.    

The Thorn and the Rose

Torn By What We’ve Done And Can’t Undo

Looking forward to working with my donors to flesh out some ideas and get much-needed cheer-reading!  They’ve both left some feedback that I need to follow up on, so that is supposed to push these up the list of WIPs.  (:: hangs head in shame::)   I will seriously buckle down on these in April - promise!!

—-

On other creative fronts:  I am working on a 4-figure Stuffed Marvel commission with 3 new designs ( Infinity War Cap,  Logan from Wolverine:Origins, and a male version of Pepper Potts) and another FaTWS Bucky.  Stay tuned for finished figure photoshoots! 

You can  always check out Stuffed With Character  over on Facebook for a full list of my designs (almost at 80!). They’re mostly Marvel and monsters, but I have some Star Wars, DC  and Disney figures as well. Plus I love to take custom design requests for any fandom!  NOTE: I have 1 commission slot open for April at the moment.

Feel free to send me asks regarding any of these projects (or any other WIPs I’ve got out there) – they really help feed the Muse and keep me motivated!

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GlobalGiving Launches Trust-Based Microgrants for COVID-19

GlobalGiving announced this week it has raised nearly $20 million from companies, foundations, and individuals to grant to vetted organizations leading the COVID-19 response around the world. Additionally, GlobalGiving shared it has distributed $1,000 hardship microgrants to 100 organizations across 38 countries whose day-to-day work is impacted. With the help of an anonymous donor, GlobalGiving will distribute at least 100 more microgrants to its nonprofit community in the coming weeks to support organizations responding to new challenges posed by COVID-19. 

“GlobalGiving cannot singlehandedly make up for the economic loss hitting the nonprofit sector, but we are committed to doing whatever we can,” said CEO Alix Guerrier. “This pandemic will require bold individual and collective actions to defeat, and this is one of our first steps to respond to our community’s needs.”

In recognition of this hardship, GlobalGiving has made $1,000 microgrants to 100 nonprofit partners that say they need support, and has at least 100 more microgrants underway. “We recognize that most of our nonprofit partners aren’t directly involved in frontline efforts to stop the coronavirus, but they’re absolutely still affected by it. That struggle isn’t making headlines or mentioned in press conferences, but their work has never been harder, and it must go on. Suddenly, they must find a way to fundraise without a gala, educate without a classroom, and rally their staff without four walls to unite them,” said Guerrier. 

Hundreds more organizations in the GlobalGiving nonprofit community have requested hardship assistance, so donors and funders are invited to pledge their support. To inquire about making a strategic gift, please email [email protected].

GlobalGiving’s supporters have contributed more than $2 million for COVID-19 emergency response through the GlobalGiving Coronavirus Relief Fund (www.globalgiving.org/covid) and an additional $18 million in contributions and grants has come from generous corporate programs including Blackstone Charitable Foundation, Ford Motor Company Fund, JPMorgan Chase, VF Foundation, and 3M. This funding is supporting vetted organizations providing medical support, supplies, and other emergency response in Bangladesh, Burundi, China, France, Germany, Indonesia, Iran, Italy, Kenya, Morocco, South Africa,  South Korea, United Kingdom, United States, Yemen, and elsewhere.

About GlobalGiving 

GlobalGiving makes it safe and easy for people and companies to give to local projects anywhere in the world, providing nonprofits with the tools, training, and support they need to become more effective. Since 2002, GlobalGiving has helped raise more than $450 million from more than one million donors for more than 25,000 projects. GlobalGiving vets and supports organizations in 170 countries, so when disasters like the COVID-19 occur, GlobalGiving can quickly deliver funds to community-driven organizations that are best-suited to provide relief in their own communities. GlobalGiving is a top-rated (4-star) charity on Charity Navigator. We are also accredited by the BBB Wise Giving Alliance.

For more information, please contact: Marlena Hartz, Director of Communications + Marketing, [email protected] 

For more from this organization: www.GlobalGiving.org

source: https://www.csrwire.com/press_releases/44730-GlobalGiving-Launches-Trust-Based-Microgrants-for-COVID-19?tracking_source=rss

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Kent Crook, owner of highly rated Wiremasters Electric in Miami, says he works in Miami-Dade and Broward counties, where electrical contractors can send unlicensed workers on jobs provided they have oversight from a licensee. "In our state, you don’t have to have a licensed electrician on every job," he says.

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To illustrate progress on both fronts, Hyundai brought me to Southern California to try the battery. although a 0-100 km/h sprint time of around eight seconds isn’t bad. As electric motors are,

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“Technically” Speaking the US High Yield Market Has Strong Price Support

Over the past two weeks financial markets have begun to re-price a higher probability of a recession as slowing global growth, increasing trade concerns and signals from the inverting yield curve have all created more uncertainty on future fundamentals. Despite the recent pullback,   solid corporate fundamentals and attractive valuations at the beginning of the year have helped drive US high yield market returns +9.56% year-to-date (as measured by the ICE BofAML US High Yield Constrained Index, HUC0).  Corporate earnings and cash flows have moderated from peak levels, but corporate balance sheets are sound as improved cash flow and modest spending plans have kept leverage moderate.  Solid fundamentals, along with defaults well below long term averages, have provided a good back drop for impressive investment performance.

Technical strength in the high yield market is as important as solid fundamentals in the short term.  Continued Central Bank global easing has driven rates down around the world, to a greater degree abroad than in the US. Currently over 20% of the global aggregate bond index is now negative yielding.  This has created strong demand for positive yielding US assets in general, and specifically the relatively higher yielding US high yield bonds.  Demand for high yield has far outpaced supply, creating a supply shortfall of over $150 billion since the beginning of 2017, providing a level of support for bond prices.  And in 2019, the market has experienced over $15 billion of mutual fund inflows through the end of July, following negative net flows each of the last two years and five of the last six.  Anecdotally, we have seen modest increases in institutional investors’ high yield exposure as well.

Bonds Paid Down or Refinanced as Other Financial Instruments

Fund and client flows on technicals are minor, however, when compared to the impact from the natural demand from high yield investors needing to replace calls, tenders and maturities within their portfolios. Gross new issuances, while running ahead of last year’s significantly depressed levels, remain well below normal.  In 2018, new issuances of $187 billion trailed total calls, tenders and maturities by over $43 billion.  Many high yield companies have been deleveraging their balance sheets and thus reducing total outstanding debt.  When they do refinance their bonds, they have done so increasingly with other investment instruments, primarily leveraged loans.  For example, high yield issuer Clear Channel Outdoor recently issued $334 million of equity, $1,260 million of secured bonds, and a $2 billion term loan for proceeds to refinance over $3.4 billion of bonds, reducing the company’s outstanding bonds by $2.2 billion.

In addition, the use of proceeds from new issuances has been increasingly for refinancing purposes, with approximately two-thirds of new issues, and less so for merger & acquisition or leveraged buyout finance, which are sources of new supply for the high yield market. A significant portion of the M&A/LBO marketplace has moved to loan-only financing as attractive, less restrictive covenants, or so-called “cov-lite” loans, have been offered and found more compelling than bonds to issuers.

Rising Stars with Few Falling Angels

Finally, in 2019 to-date, rising stars, bonds upgraded from high yield to investment grade, have significantly outpaced fallen angels, or bonds downgraded from investment grade to high yield, with over $38 billion upgraded versus less than $5 billion in fallen angels through the end of July. Company behavior continues to be disciplined, with deleveraging of balance sheets as opposed to an increase in leverage that typically occurs in the late innings of a credit cycle.

What Could Change?

So what could change to weaken market technicals? Although many sell-side strategists forecast continued moderate issuance for the balance of 2019, an acceleration could happen if M&A activity picks up dramatically.  In addition, fund flows are volatile and could reverse rather rapidly to net outflows as they have the first few days of August.  Finally, in the event of an economic downturn, fallen angels may be sizable as 50% of the investment grade market, or nearly $3 trillion, is rated just above high yield at BBB.  However, while some are facing secular stress to their business that will be exacerbated by cyclical pressures and are likely subject to downgrades, a “tidal wave” of fallen angels is not expected at the end of the cycle.  A quarter of BBB rated bonds are rated BBB-, and only about 12% of the BBB- subset have negative outlooks with at least one of the three major rating agencies.  In general, despite the rise in BBBs as a percentage of corporate investment grade bonds, fundamentals remain reasonable with companies generating significant cash flow with which they could use to deleverage if necessary to maintain an investment grade rating.

While the strength of technicals has been persistent and provided some support for the high yield market, technicals alone are not enough to support strong returns. Strong technicals, in conjunction with solid market fundamentals and reasonable valuations relative to current default levels and other asset classes, make high yield an attractive investment option.

  The post “Technically” Speaking the US High Yield Market Has Strong Price Support appeared first on http://blog.jpmorganinstitutional.com/.

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Avon: Is this iconic beauty brand doomed to fail? [Review]

“Ding dong, Avon calling!”

The old tagline from the 1950s and 60s made Avon a household name among the Babyboomer crowd…

And now, the quintessential old-lady cosmetics brand.

Even so, their status as one of the first major network marketing companies has made them the biggest name in the MLM space, rivaled only by Amway.

Add to that their squeaky-clean reputation, and they’re unlike other MLMs that reek of manipulation and hype.

But like other iconic brands that are losing their foothold or outright dying out (think Sears and Macy’s), Avon has been in a steady decline for the last decade. Clearly, they’re struggling to transition from door-to-door sales to e-commerce.

Is it smart to join them? We’ll let you decide.

FAQ

1. What does Avon sell? Best known for door-to-door sales of makeup, Avon carries a full line of products for women: skin care, wellness, bath and body, fragrance, jewelry, fashion, home, and even products for men.

2. What are Avon’s most popular products? One of Avon’s most popular products is the Skin So Soft Original Bath Oil, their iconic bath oil for truly pampering yourself. Newer favorites are the Anew Ultimate Multi-Performance Day Cream, an anti-aging moisturizer that recreates the look of youthful skin; Anew Clinical Eye List Pro Dual Eye System, a 2-in-1 eye cream/gel duo that lifts and depuffs your eyes; and Avon’s True Color Lipsticks, which include 40 shades in two finishes, satin and shimmer.

3. How much does it cost to join Avon? It costs just $25 to join Avon, plus the costs of your starter kit. You have three options for your starter kit: $25 quick Starter Kit, $50 Advanced Starter Kit, and $100 Premium Starter Kit. As you might expect, the premium kit gives you more products and samples, and more sales tools and training. Regardless of which kit you choose, you’ll get free online training and a free personal website.

4. Is Avon a scam? No, Avon is a publicly traded company that’s well respected in the direct sales industry. They’re probably the oldest MLM and rank just below Amway in the Direct Selling News 100. And they seem to take care of their reps—some having been with the company for ten years or more, earning six-figure incomes.

5. What is Avon’s BBB rating? A+

6. How long has Avon been in business? Since 1886

7. What is Avon’s revenue? $5.7 billion

8. How many Avon distributors are there? 6 million

9. What lawsuits have been filed? In 2018, a lawsuit was filed against Avon by Caroline Ruiz for firing her from an executive job in Avon’s Manhattan headquarters after disclosing her pregnancy and asking to work remotely for a week. [1] A class-action lawsuit was filed in May 2018 for alleged failure to warn employees of a mass layoff at their Orlando location and other sites. [2] In 2016, they paid $6.25 million to settle a pension management class-action suit. Avon had been accused of mismanaging funds in pension accounts during a Foreign Corrupt Practices Act investigation. [3]

10. Comparable companies: Mary Kay, Nu Skin, Arbonne

Product-wise, these guys are solid. They’ve developed a name brand over the years that women love.

Business opportunity-wise, however, the company is a little played out. Not saying it would be impossible to still make money with Avon, but there are certainly more sustainable options out there.

Click here for my #1 recommendation

Either way, here’s the full review on Avon.

Overview

Avon was founded wayyy back in 1886, before your Grandma, by a New Yorker and door-to-door salesman David McConnell.

Now they’re ranked #2 on the DSN Global 100, behind only Amway.

They hit $5.7 billion in revenue in 2017, down from $6.16 billion in revenue in 2015 and $9.23 billion in 2011. That’s no temporary slump. [4]

In fact, shares have been declining for some time. At the end of 2017, shares traded for $4.65, which is just a tenth of what they were worth in May 2004, when shares traded for $44. [5]

If it wasn’t already clear that they’re struggling to keep their head above water, in 2015, Avon sold the remainder of their North American business and moved their headquarters over to the UK, cutting some 2,500 jobs worldwide in the process. And that’s just full-time employees – it doesn’t even begin the cover the impact on their representatives. [6]

Supposedly this is all part of a plan to turn themselves around, but it reminds me of the violinists who played music to ease the pain of people on the Titanic as it sunk. And we know it’s not helping, because a class-action suit was filed in May 2018 for laying off a third of their workforce (950 employees) without the 60-day notice required by the WARN (Worker Adjustment and Retraining Notification) Act. [7]

How much does Avon cost?

The sign-on fee to become an Avon Sales Rep is $25, one of the lowest in MLM (see the full rankings).

However, the start-up cost doesn’t include much. You still have to purchase a starter kit with samples, products, Avon brochures, and other marketing materials. That will set you back another $25, $50, or $100, depending on the kit you choose.

Products

Avon sells make-up, skin care products, perfume, home goods, and even accessories and lingerie. Of course, they’re known for their make-up, so that’s what I’ll focus on.

Almost every single MLM out there overprices their products, but Avon actually has incredibly reasonable prices…and not just for an MLM, but even compared to drugstore brands.

Many of their products, from foundation to lipstick to eyeliner, can be purchased for $6-$20, with some products on sale for as low as $2.

While Avon certainly isn’t going to win any contest for best cosmetics line in the world, especially up against uber-popular and forever trendy brands like Urban Decay, NARS, Benefit, and MAC, they are generally well-liked (especially at the price point) and very well-established.

Their skincare products are a little pricier, mostly ranging from $7-$38, but they have fantastic reviews. Marie Claire even called their skincare products “the perfect solution for every skin problem you’ve ever had.”

The Skin So Soft Original Dry Oil Body Spray has long been one of their most famous products, partially because it does what it says (makes your skin so soft), but also because people have discovered that it’s one of the most effective insect repellents. Some claim it works even better than DEET. [8]

Their Sun+ Clear Spray SPF 30 won a “Best Buy” award from independent reviews.

A-F33 Treatment, a “miracle” anti-aging cream, stirred up such a buzz that it gained a 60,000 person waiting list and eventually became Avon’s fastest selling product ever. It’s been hailed by dermatologists as the biggest breakthrough in skincare for two decades. [9]

Benefits:

Their skincare products have been praised for their anti-aging and moisturizing benefits. Their insect repellent and sunblock are very highly rated.

Side Effects:

There are no reported side effects associated with Avon products.

Compensation Plan

Avon is one of those rare MLMs that allows you to make an OK supplemental income on selling alone, without ever recruiting a single team member. In fact, many Avon Sales Reps do just that. It’s refreshing to see this model is still around when most new MLMs all but require you to recruit, recruit, recruit.

Commission on personal sales ranges from 20%-50% depending on the product and your rank, which is pretty good.

Once you start recruiting a team, you open up a wider range of earning opportunities, from team commissions to rank bonuses to cars and vacations.

However, the vast majority of Avon reps make only a few hundred dollars a month, if that. It’s certainly not a full-time wage, but it could be a fun side job for some.

Recap

Overall, Avon is clearly one of the most well-established, ethical MLMs out there.

And that might be why they’re failing.

Avon has made a respectable name for themselves for over a century now, but if they don’t make some big changes quickly, it looks like they might be going under for good. Even if they manage to stay afloat, the sale of their entire North American operations proves that the company will never be the same again.

After a while, being the oldest player in the game stops being an advantage and starts being a disadvantage. It’s clear that Avon has had trouble adapting to new times and new trends, and their products are just NOT achieving the popularity they used to, even just a couple of decades ago.

On top of that, the fact that they follow all the rules better than that kiss-ass you always hated in Kindergarten might win them brownie points with the SEC and FTC, but it might also be making it difficult for them to compete in a world filled with MLMs that bend and break the rules to such an extent that they find themselves under investigation in less than a decade.

Even the brightest stars die out eventually, and Avon is flickering.

I’ve been involved with network marketing for over ten years so I know what to look for when you consider a new opportunity.

After reviewing 200+ business opportunities and systems out there, here is the one I would recommend:

Click here for my #1 recommendation

via https://mlmcompanies.org/avon/

The Intrinsic Value of Deluxe Corporation

Introduction


Deluxe Corporation is an American-based technology company whose principal business involves providing small businesses and financial institutions with checks and forms offerings, website development and hosting, email marketing, social media, search engine optimization, and logo design. At the time of writing, the firm’s market cap stands at around $2.77 Billion and its revenues and free cash flows for the previous financial year were around $1.91 Billion and $0.28 Billion respectively. The company’s common stock has fluctuated between a high of $79 and a low of $57 over the past 52 weeks and currently stands at around $58. Is Deluxe Corporation undervalued at the current price?

The Intrinsic Value of Deluxe Corporation


To determine the intrinsic value of Deluxe Corporation, we’ll begin by looking at the company’s history of free cash flow. A company’s free cash flow is the true earnings which management can either reinvest for growth or distribute back to shareholders in the form of dividends and share buybacks. Below is a chart of Deluxe Corporation’s free cash flow for the past ten years. 

As one can see, the company’s free cash flow has exhibited a stable and positive trend over the past decade, growing at an annualized rate of 6.58%. To determine Deluxe Corporation’s intrinsic value, an estimate must be made of its potential future free cash flows. To build this estimate, there is an array of potential outcomes for future free cash flows in the graph below.

When examining the array of lines moving into the future, each one represents a certain probability of occurrence. The upper-bound line represents a 6.58% growth rate which is based on Deluxe Corporation’s free cash flow growth rate for the last ten years. This growth rate has been assigned a 15% probability of occurrence to account for some factors including the rapid rate of change and high levels of competition found in the business technology industry and the fact that there is an increasing risk of an economic downturn occurring in the near to mid-term.

The middle growth line represents a 3% growth rate which is based on the U.S. historical average annual GDP growth rate. This scenario assumes that Deluxe Corporation’s future growth reverts to that of the wider economy and has been assigned a 60% probability of occurrence. The lower bound line represents a -3% rate in free cash flow growth and assumes that the company suffers a contraction in earnings due to competitive and cyclical pressures. This growth rate has been assigned a 25% probability of occurrence.

Assuming these potential outcomes and corresponding cash flows are accurately represented, Deluxe Corporation might be priced at an 11.3% annual return if the company can be purchased at today’s price. We’ll now look at some other valuation metrics to see if they correspond with this estimate. 

Based on Deluxe Corporation’s current earnings yield, which is the inverse of its EV/EBIT ratio, the company is currently yielding 9.45%. This is below the firm’s 10-year historical median of 11.35% yet above the Global Business Services Industry median average of 4.41% suggesting that the company may be marginally overvalued relative to its historical median average but undervalued relative to industry comparisons. 

Finally, we’ll look at Deluxe Corporation’s free cash flow yield, a metric which assumes zero growth and simply measures the firm’s trailing free cash against its current market price. At the current market price, Deluxe Corporation has a free cash flow yield of 10.14%.

Taking all these points into consideration, it seems reasonable to assume that Deluxe Corporation may currently be trading in a range of reasonable, fair value. Furthermore, the company may return between 10-11% at the current price if the estimated free cash flows are achieved. Now, let’s discuss how and why these estimated free cash flows could be achieved.

The Competitive Advantage of Deluxe Corporation


Deluxe Corporation has various competitive advantages outlined below.

Economies of Scale. Since its founding in 1915, Deluxe Corporation has grown to become the largest printer of business and personal checks & forms in the United States. While this legacy segment of the business is in secular decline as digital commerce replaces traditional methods of payment, Deluxe Corporation is still able to leverage its scale advantages to earn higher margins that the industry in which it operates. This outperformance can be seen in the key metrics seen in the chart below.

Niche Attribute. To address the secular decline in its core legacy business, Deluxe Corporation has been transforming its business to offer a broad range of business services for small companies and financial institutions which include design and website services, search engine marketing, and fraud protection services. By focusing on providing a value-added service to small companies, Deluxe Corporation has been able to establish itself as the go-to expert and now has a client base of 4.5 million active small business customers and over 5,100 financial institution clients.

Customer-Focused Business Model. Deluxe Corporation places its customers at the heart of its business model and offers them a 100% guarantee that if they are not satisfied with their order, it will “do what it takes to make it right.” It also offers its customer's reliability guarantees through its affiliation and membership of organizations such as the check Payment System Association (CPSA), Better Business Bureau (BBB), and the International Association of Privacy Professionals (IAPP). By offering its customers a high level of reliability and security safeguards, Deluxe Corporation has managed to achieve a 94% customer retention rate within its small business payroll services.   

Deluxe Corporation’s Risks


Now that Deluxe Corporation’s competitive advantages have been considered, let’s look at some of the risk factors that could impair my assumptions of investment return. 

At present, Deluxe Corporation is still in the process of transforming its business from the legacy core segment of personal checks, business checks, and business forms products which is now in secular decline with check payments falling at an annual rate of 4.4% during 2012 and 2015. If the company is unsuccessful in completing its transformation strategy, it could see its revenues and earnings decline in the future. 

Deluxe Corporation’s client base consists of small businesses and financial institutions and as such its future financial performance could be adversely affected if an economic downturn were to emerge in the near to mid-term future. Since small businesses often find it more difficult to obtain credit in such an environment, they may be forced to constrain spending leading to a lowering of demand for Deluxe Corporation’s products and services.

Deluxe Corporation faces competition from a number of directions including traditional storefront printing companies, office superstores, website design and hosting companies, online printing companies, email and social media marketing companies, debit & credit card companies, and inter-based bill paying services. This level of competition is likely to increase as advances in technology, scale advantages, and network effects enable competitors to challenge for market share more aggressively. Should Deluxe Corporation be unable to innovate and transition into the new business environment successfully, it may suffer from decline through obsolescence leading to a negative trend in future revenues and earnings.

Opportunity Costs


Whenever an investment is considered, one must compare it to any alternatives to weigh up the opportunity cost. At the time of writing, 10-year treasuries are yielding 2.95%. If we take inflation into account, the real return is likely to be closer to 1%. The S&P 500 Index is currently trading at a Shiller P/E of 32.4 which is 91.7% higher than the historical mean of 16.8. Assuming reversion to the mean occurs, the implied future annual return is likely to be -2.9%. Deluxe Corporation, therefore, appears to offer a much better return for investors at present, but other individual stocks may be found which offer a similar return relative to the risk profile.

Macro Factors


Investors must consider macroeconomic factors that may impact economic and market performance as this could influence investment returns. At present, the S&P is priced at a Shiller P/E of 32.4; this is 91.7% higher than the historical average of 16.8 suggesting markets are at elevated levels. U.S. unemployment figures are at a 30-year low suggesting that the current business cycle is nearing its peak. U.S. private debt/GDP currently stands at 202.80% and is at its highest point since 2009 when the last financial crisis prompted private sector deleveraging.

Summary


Deluxe Corporation’s core legacy business of personal and business checks is in secular decline with the Federal Reserve reporting that check payments peaked in the mid-90’s and had subsequently declined at an annualized rate of 8.8% during 2009-2012 and 4.4% during 2012-2015. The company appears to be taking this issue seriously and has been implementing a business transformation strategy over the last decade to diversify its business. In 2017, the firm grew Marketing solutions and Other Services revenue (MOS) by 22% to $756 Million with this segment contributing to 38% of total revenues. Management expects full year (FY2018) MOS revenue to be approximately 45% of total company revenue with checks expected to account for around 38% of revenue. If this goal is achieved, it will mark the first time in the history of Deluxe Corporation that MOS revenue was higher than check revenue.

There are, however, some challenges which investors should be mindful of including the increasing competition emerging from online and mobile payment services, website design & hosting companies, and email & social media marketing companies. The small business services industry is currently highly fragmented and geographically dispersed with the competitive factors influencing a customer's purchase decision including price, range, quality of product and service offerings, ease of use of web and other services, convenience, past customer experience, and the responsiveness and quality of customer support. To maintain and grow its competitive position within the industry, Deluxe Corporation will need to ensure a trend of innovation to meet the changing needs and habits of its client base. 

Over the past decade, Deluxe Corporation has grown revenues and free cash flow at 3.29% and 6.58% respectively. Within this period, it has achieved an average Return on Invested Capital (ROIC) of 17% and Gross & Operating margins of 63.81% and 19.59%. With regards to shareholder friendliness, Deluxe Corporation has been returning value to shareholders in the form of share repurchases and dividends. Over the last five years, the company has reduced its share count at an annualized rate of 1.5% and grown dividends at 4.66%. In 2017, the firm returned $123 Million to shareholders through dividends and share repurchases.

In summary, the market currently appears to have a pessimistic view towards Deluxe Corporation and its future growth opportunities. The company appears to be successfully transforming its business from the legacy check business towards it MOS business but faces a number of potential challenges including increased competition and potential cyclical pressures. 

Based on the conservative assumptions used in the free cash flow analysis, Deluxe Corporation may return around 11% at the current market price.

Disclaimer: The author does not hold ownership in any of the companies mentioned at the time of writing this article.

*

This article was written in collaboration with David J. Flood from “The Investor’s Podcast.”

Stig Brodersen is the host of the business podcast “We Study Billionaires.” You can find his free intrinsic value index here of popular stock picks.