#esp when the chance for a renewal was already low | Explore Tumblr Posts and Blogs

caatws · 5 years

Text

how to understand tv ratings (so you’ll be prepared for cancellation/renewal announcements)

as most of you know, i had an internship last semester where one of my duties for the company was tracking and analyzing tv ratings. while i’m no expert on this yet, i worked with way more knowledgeable ppl than me on this and learned a couple things about ratings that i definitely didn’t know before, so i thought i’d share some of it now that b99 is back on and we def don’t want a repeat of last year’s debacle.

(also, i’ll be tracking and analyzing b99′s ratings over on @b99bythenumbers this season, so if you’re at all interested in any of this stuff pls check it out! that blog is still under construction and stuff but as this season gets the ball rolling, that blog will come to life heheh)

ok, so i’m gonna break this up into sections to keep it as organized/straightforward as possible, so we gonna cover:

what are nielsen ratings & how do they work? (aka what do numbers like 1.2/5 mean)

b99′s ratings & viewership

nbc’s ratings & viewership

ratings as the be-all end-all for shows? (other ways to support b99) (esp if you can’t access american cable)

what are nielsen ratings & how do they work?

so nielsen media research is a company that’s been measuring data for entertainment for just over 70 years now. tho they got a start in radio, they’re arguably most known in the modern day for their measurement of american television programming, as the data they gather from these measurements (the infamous “nielsen ratings”) strongly influence broadcast networks (abc, nbc, cbs, fox, & the cw) and channels in their decisions to renew or cancel certain programs.

the way nielsen measures this data is through selecting various households with tv’s across the u.s. to monitor what they watch, who’s watching, how often they watch, etc. so it’s not something everyone in the u.s. gets to do, like they might just randomly hit you up and ask if they can use your data. if you say yes, they have to install a bunch of stuff to monitor all tv’s in your household. (if you find this at all kinda interesting, i’d recommend reading this interview with a nielsen family bc it’s kinda wild)

so, now onto the numbers. i’ll use b99′s initial ratings for 6x01 last night as an example

the rating is the 1.2/5 number. the first number, 1.2, means that 1.2% of the 119.6 million households nielsen estimates to have television watched b99 (1.2% of households, not individual people). the second number, 5, is referred to as the “share”, and means that 5% of households watching tv at that time watched b99.

these numbers are “live + same day”, meaning they only include households that actually watched b99 live as it was on tv last night and people who watched it from their DVR the day it was aired live. (for example, i got home after the ep started last night but had set it to record, so i watched my recording as the ep was ending so if i was in a nielsen family, me watching b99 on my DVR the same night it aired would still count for their measurement of an L+SD rating.)

additionally, tho nielsen records a lot of data about different demographics and people of what age are watching what shows, the standard demographic used for these ratings is people aged 18-49, all genders.

the 3.56 is the total viewership in millions (aka the actual individual viewers).

my source for ratings: tv by the numbers (specifically above, their initial thursday 1/10 ratings)

b99′s ratings & viewership

back on fox, b99 had a pretty solid run for the first two or three seasons, until the ratings started taking a pretty steep nosedive in recent years that (unfortunately) kinda predicted and ultimately led to their cancellation. it’s important to look back on their past ratings as a show, because stability & improvement are major factors at play when networks are deciding to renew or cancel shows.

season 1 (2013-2014) ratings

b99 had a rly solid series premiere, tho it pretty quickly couldn’t retain its rating, as the difference between 1x01 and 1x02′s ratings is pretty major. it got its big 6.89 rating (!!!) in february 2014 bc it aired after the super bowl. this season ended with way less viewers than it started out with, which isn’t Great.

season 2 (2014-2015) ratings

overall, pretty similar numbers to s1, especially in the total season average. it had a few ratings above 2.0 which is Good, but those numbers didn’t hold steady. again, the season ended with way less viewers than it began.

season 3 (2015-2016) ratings

b99 dipped under 1.0 for a large portion of this season. that’s Big Yikes. cancellation becomes Very Real Possibility.

season 4 (2016-2017) ratings

this season’s average was less than 1.0.....cancellation is Very, Very Real Possibility.

season 5 (2017-2018) ratings

nothing above 1.0 for an entire season....this show is Doomed, and i honestly can’t blame fox for canceling it from a numbers and business standpoint, considering this was just a continuation of the trend established in s4 with the consistently lower ratings. it’s....kind of totally rational that fox did what they did, especially when you see how b99 compared (in ratings) to other fox shows in the 2017-2018 season:

as you can see fox just kinda took like the bottom half of its shows by rating and cancelled all of them...anything averaging under a 1.0 on fox just isn’t safe!!!

comparing to other shows (esp other sitcoms) on its network is another big factor in renewing/cancelling. tho there aren’t any other sitcoms suuuper similar to b99 on fox, enough comedies did better that b99 got the axe. which means we should probably look at

nbc’s ratings & viewership

and here’s their 2017-2018 season (in which they had the most viewers out of all the broadcast networks for the first time since like 2001 actually!!):

already, b99 is off to a good start, its 1.2 initial rating pretty high for nbc, but what’ll rly matter is if they can hold this rating for the rest of season 6. like i said, stability and improvement are everything in tv world! if b99 can continue like this for the rest of this season, i think we’ll be in pretty good shape.

and, honestly, nbc rly is a good network fit for b99, with its history of popular and acclaimed sitcoms (seinfeld, friends, will & grace, etc.) and its long-running and popular crime procedurals (aka any law & order series ever), and b99 is basically a combination of the two.

ratings as the be-all end-all for shows? (other ways to support b99)

while ratings are of the utmost importance to networks and channels, it’s not the sole deciding factor.

another thing networks and channels look at, as we live in the digital age, is BUZZ. this basically is industry-speak for how much people are talking about and movies! the most visible example of this is getting a show trending on social media when it airs.

a good example of a show like this is the good place. tgp hasn’t gotten stellar ratings this season, but has already been renewed...because a lot of people talk about it on social media! it’s usually trending on twitter when a new episode airs, and its objectively high quality writing has won over a lot of industry folks’ hearts, so it gets a lot of buzz in hollywood as well (hint hint similar to how the “guardians of the nine-nine” contributed to the fight to save b99 last year).

so, here are some tips on how to maximize b99′s ratings & overall potential for renewal:

WATCH. IT. LIVE. or DVR it and watch it ASAP, as final ratings come out within 24 hours after new episodes air. obvi this only applies to amercans with access to cable/tv but clearly these are the people not showing up for b99 since the ratings were so low while the fandom was so big and loud

forgot to record it but still live in the u.s.? watch it on your cable provider’s “on demand” services (if they offer it), hulu, or nbc.com as soon as the new episode comes out the next day!!! while these numbers won’t be reflected in the actual ratings, it’ll still tell the network you care.

are you a young adult who attends college away from home aka your family’s cable? look into your family’s cable provider’s online services! my family’s cable allows me to access our DVR away from home and even watch some things on demand, which has been a lifesaver while i’ve been away at college the past couple years. if you can access your DVR remotely through your cable provider’s website, use it to record b99 and watch it ASAP!

TWEET ABOUT IT. tumblr is cool and valid and all, but let’s be real - everyone’s looking at twitter, because most industry professionals don’t know how the fuck to use tumblr. twitter is straightforward and straight to the point; they want to see it trending there. so pls tweet using #brooklyn99 when the episode is on live!!! you have 3 major chances to do this: 9 pm est (u.s. east coast), 9 pm mountain time (2 hours after east coast), and 9 pm pst (3 hours after east coast) every thursday night.

talk about it in real life! get friends to watch it! again, may not contribute to the actual ratings, but it’s still nice to get more and more people into the show to watch it in other ways and talk about it with other people they know.

i know a lot of these methods are mostly applicable to people in the u.s. and/or americans with cable, but it’s rly important that those of us who fall into those categories do our parts!! fellow americans, let’s yeet this wheat!!!! all b99 fans from all over the world, i believe in all of us!!!!!!

#b99 #tv ratings #nielsen ratings #madison.txt

124 notes · View notes

nchyinotes · 6 years

Text

How to launch an independent magazine, by Delayed Gratification

February 22 2018

https://www.eventbrite.co.uk/e/how-to-launch-an-independent-magazine-22nd-february-2018-tickets-40937174190?aff=es2

In this class you will:

-Learn how to turn your magazine idea into reality

-Find out how to identify a successful editorial niche

-Understand the nuts and bolts of commissioning writers and designers

-See how to pull together a winning subscription, distribution and marketing plan

-Discover how to survive and thrive beyond the first year

You will leave with a good insight into the independent publishing industry and a strong idea of how to set about launching an independent magazine.

Thoughts: I actually found this event on eventbrite a few months before it happened, sent it to my friend who I knew would be interested (hi Ayesha!) and then forgot about it. Then the day before, she asks if I want to go because her friend cancelled so she had an extra ticket, so I ended up going with her haha. I’ve always been vaguely interested in starting a magazine, and was actually the co-editor of an online art magazine aaaages ago with my online friend (hi Angela!), but was never really serious about it. While some of this information was not new for me (a lot of it overlapped with your typical entrepreneurship/startup advice, ie. finding a niche), the advice that was specific to launching indie magazines (logistics and business aspects) was very useful and interesting, and I really appreciated the numbers they threw in from their own business. Overall, was a very fun and honest look at the business, and the organisers were super friendly. Also left with a free copy of Delayed Gratification (their mag), which was cool to read.

EDITED NOTES

Introduction

Met early 20s in dubai, journalism students, working as time out editors, learnt how to make print mags together / fell in love with it

Went in different directions, and then all ended up back in london at 30

Just over 7 years now

Named independent magazine editors of the year 2017

Most independent magazines are losing if not hemorrhaging money - lots of vanity projects, made as a shop front for creative agencies.

Attrition rate is extraordinary. Intense desire to make them, but the number that make it past issue 2 / 3 is very low.

Lower barriers to entry than ever before - people are used to them, a lot more need for them (solace in print from digital world) + tools are there + there are all these places to sell them now (mag culture!)

Bad news: will probably break your heart, high failure rate, odds are against you, difficult economic model to make work, are not immune to pressures in mainstream press (but don’t face: massive debt built up in 80s/90s for rapid expansion, pensions liabilities, offices)

Were dreamers + journalists: novices at nuts and bolts of making money/funding

90% of success is turning up - determination to keep going even in early years

Maybe expand into documentaries / books in the future

Key lessons

1) you probably shouldn’t launch an independent magazine - sink which you pour your money, dreams, hopes

Brainstorm: Why do indie mags fail?

Not thinking about how you pay for issue 2 → run out of cash v quickly (where frequency comes into it, ie. weekly)

Just getting visibility: Hard to find your audience - with so much competition, etc

Often have expertise in one area, but lack expertise in another function that’s vital to bringing product to market

Content burn out, esp. If you make big commitments (launch with huge interview etc) - second album syndrome? Not to create too many structures that need to be filled in early days.

2) ^ can be overcome with a niche - you need a niche

Fat brad magazine

Terrible people magazine

Slightly foxed, nutmeg (scottish football periodical), mc1r (only about redheads)

Their niche: slow journalism, something to champion

What it did for them:

issue 1 cover was by obama’s hope poster artist (+ issue 5, limited edition posters, interview = all for free)

Content by Interviews (henry kissinger, etc) + writers - because it resonated with them, wanted to support it = can use those people’s credibility to add to theirs

Coverage + press: something to talk about (today program on radio 4: one 6 minute interview got them ~400 subscriptions = able to be condensed and easily explained/summed up)

Could have been slightly more bullish about fast news in the start, should you be worried about alienation??

Brainstorm: A name and niche

Colors magazine - activism & protest issue

Trend (mindfulness) vs Niche

Helps to sort of person we appeal to, what need am i filling that hasn’t been filled, what is my spin

Need to be passionate (committed, reason without a doubt), not egotistical, believe in your idea, ask for help a lot, honest

3) you need to think about the business

Beyond issue 1, what it is to run a magazine business (VAT returns, subscription systems, fb ads)

Frequency & cost

Weekly or monthly is really really fast. Always easier to go from quarterly down, because it shows you’re getting better, etc (awks if you have to go the other way).

Issue 1: 12 pounds, issue 2: 10 pounds.

When setting price for individual issue, what would you charge for a year’s subscriptions? You want to offer subscribers an appealing discount (that you’re not losing on each subscription)

Christmas is key for the indie mag industry - big burst of subscriptions as gifts. So don’t launch in jan or feb lol, christmas run is key, be well established for this! 50+% this year was from last 5 weeks of sales

Don’t launch in summer - nobody gets subscriptions then, more newstands then

Print, digital, or both?

People don’t want to pay for digital issues, not that captivated by complicated stuff you can do on there.

You have to charge VAT + pay percentage to platform for digital copies

People expect to pay less for digital copies

But there are some digital projects that are fascinating - de correspondent (similar premise, crowdfunded, purely digital in dutch, really collaborative / self contained digital ecosystem. / community driven)

Physicality - You can get people to pay for a physical / tangible object that they just don’t for digital, they have relationships with them.

Latterly (weekly newsletter, after building huge online audience for free, now printed publication)

^ merits of this?? Passion project more bc of time sink??

Subscriptions vs newsstand

Subscription systems

Gocardless (pay direct debits)

Chargebee - portal

V difficult to make money out of newsstand sales - 50% of the cover price, 3-6 months after mags are sold, and they generally only sell 60% of the ones you’ve sent them. Treated as marketing for subscriptions.

Not difficult to set them up

In London / UK: Ra&Olly, MMS, Smiths (difficult + unresponsive + dont fulfill, but have a stranglehold on mags in country)

Paid: gold star media (get you in to salons, hotels, airport lounges, etc)

Is your magazine one that a company would like to support? Team up because they really like it

Customer

Site sales: shopify

Fulfilment: newsstand

Adjust your expectations

4) take subscriptions!!

Newsstands are hard

It’s money upfront, will help with print bills, cash flow, etc

Community building

More chances for someone to like someone

Alternatives: Kickstarter, indiegogo (to test out if appetite is there)

Subscription renewals / Direct debits ?

Do not build your business model around advertising, it’s so diffused + competitive, can’t do trackability on print issues

No ads > bad ads

Corporate work - if you prove you can make mags, you can make them for other people too

Magazine as a broader way of selling your skill set

plan for issue 2/3/4 already + worst case scenarios

5) you need to make something special

Making your magazine:

Commissioning editorial content

There are a lot of really good writers out there desperate to work for you

Draw up a commissioning form - rights and responsibilities, deadlines, etc

Approach writers that you like - tell about mag & ask them to pitch OR give them a story and ask them to write it

Longer form + freedom

Always pay! You have a contract, leverage, etc

Editorial pagination * av word count * word rate = commission

First: 10p/word

Now: 25p/word

Industry average: 30p/word

Interviews / verbatim interviews: with an expert in the subject. Get it without having to pay a word rate, take what you need from it, may tighten it up for free anyway when you send it back for approval

Ask people who just brought out a book

Finding a designer - they expect a very carefully designed product

Don’t be afraid to let things evolve - keep moving/changing things around

First issue is not going to be perfect, important thing is that it exists

Look at magazines / things you like + get in touch with them

Have your favorite designer create a template (or a regular design) for you - easier for recent grads etc to follow, at a cheaper price

Design software: considerable expense

Indesign, photoshop - creative suite, expensive monthly. Worth looking at older versions (old DVDs on ebay - work with designer to save it down a version)

Pagination (80-100), size (delayed gratification is too big/wide to fit through most letterboxes, something smaller / standard sizes are better), GSM (cyclical trends), binding (perfect bound, saddle stitch / staples are much cheaper)

Costs of the last issue, excl. Wages (which has come up a huge amount, 7-8k in the beginning bc lots in house and paying less) : 23.8k pounds

West ale ?? printers company

Approach the printers

The only thing that’s going to push your price up is if its special paper they have to order 4 u

You’ll get inundated with calls once you start up

You want a printer that will work around you (missed deadlines or changes post-proof stage)

6) you need to tell people about your mag

Brainstorm: how are you going to get noticed?

Making waves - Print someone controversial, getting into mainstream press

Power of positivity vs negativity (attract passionately negative people? In emails? Lol. prepare yourself for backlash)

Collaborating with influencers / people with followings / associations that make sense / endorsement (within the niche) - genuine

Loving print means embracing digital - lots of new people come from digital content

Weekly newsletter : manageable amount of content, keep engaging (mailchimp), moving people through the marketing funnel

Events - sense of community, benefit for subscribers.

Free is not recommended. Commitment.

Indie mag community - swap inserts in different titles/issues/newsletters, nicer fit, more interest

Podcasts

Questions

Usually print about 1000 copies of issue 1

Issue 0 - proof of concept (rarely done in indie mags)

Limited run projects - must be pitched to advertisers / subscribers before hand as such (will probz break ur heart at issue 6)

#entrepenuership #publishing #2018 #london #media #event

0 notes

unlikelydreamlandcreation-blog · 6 years

Text

I have a question about car insurance?

"I have a question about car insurance?

i also got in an accident with my permit i know lol and my insurance went up a lot

BEST ANSWER: Try this site where you can compare quotes: : http://salecarinsurance.xyz/index.html?src=tumblr

RELATED QUESTIONS:

Any estimations on how much my car insurance will be? Uk.?

Im 17 in november, in gonna start to drive but i was wondering if anyone iceby ideas on how much my car insurance would be based on what i tell you. I live in the uk. I cant go on my parents insurance because they dont drive. In gonna get a 1.4 or 1.6 engine car. An thats all i can tell you, can anyone please have a rough estimation on prices?""

I am 18 years old. I want to improve my credit score by buying a vehicle. INSURANCE PROBLEMS!!!!!?

I know ican get approved for a vehicle but insurance for a teenage male is un-godly cheapest is 650 a month, is it possible to buy a vehicle in my name, but have insurance over it under my fathers insurance policy?""

Insurance for Photographers?

Where can I buy insurance for my Photography company?

Insurance quote for 2002 Chevy Cavalier z24?

Hi, I am interested in buying a 99-03 Chevy Cavalier, and I am wondering if anyone knows how much the insurance would cost per year or month? I'm a 17 year old male, and this will be my first car. Also have finished drivers' ed.""

How do I shop for Medical Insurance?

I am finally getting dropped from my parents medical insurance in March. I will be turning 26, so its time to shop for my own medical insurance. I don't want to continue the coverage that my dad had me on, its way too expensive. I am a white male, 25, non-smoker, looking for a high deductible and tiny premiums. Just want to get my bases covered. So where do I go to get medical insurance? How do I know I am getting the right price? What should I look forward to paying? Can I get free medical insurance somewhere? Should I get dental and vision insurance too? Any help is greatly appreciated. Thanks.""

Can I get free health and car insurance or any kind of insurance if my parent doesn't want to help pay?

My mom died and since im 18, i decided to continue to live with my grandma like i originally was with my mom and when im suppose to live with my dad he isnt responsible for me anymore. emancipated me. but im not living alone im with my grandma. so im wondering if there was a way to get health and car insurance. can i get it for free? is there a plan?""

Does having an sr22 lower my insurance by any chance?

So i know since im young and have a driving record that my insurance is outrages. i was wondering if getting an sr22 would help?

""Is buying scion xb 2008 for me a good decision? How about insurance, after market maintenance and so on.?""

Im in early 30s, this is my first car... here are my preferences, i'm 6ft 2 inches so i want to feel comfortable in the driving seat and so the people sitting in the rear seats, Toyota for reliability, popularity & availability of parts, less maintenance overhead,nice ROI. I need good night visibility, does it comes with HID lights installed? Good range of colors (esp. nautillica metallic blue). Is stick better than automatic (if so why) ? This is mostly for my commute to work everyday (10 miles) and occasional long driving on holidays and weekends ? I'm not looking for any bells & whistles just the base model. The total cost of the car with tax comes $18K+ ... the APR is 6.39% (scion.com) , so by paying more down payment say $12K will i be able to reduce the monthly interest for the rest of the payment (6K) or should i shop around ? I believe you cant negotiate for price with the dealer. Do you have any more suggestions""

Companies that provide comprehensive health insurance packages?

Which are good, and why (maybe)?""

Cheap car insurance is all I need.?

How do you get new home owner's insurance after you were dumped?

Hypothetically speaking, say your home owner's insurance company does NOT renew your policy? How long do you have to find a new company and what if no company will take you on due to too many claims?""

I am low income. Do I have to get health insurance?

I am a poor 30 year old guy going to school full time. I do not have health insurance. I live in Virginia. I make under $9,000 a year and Virginia does not expand Medicaid. What do I do? I am too poor to get health insurance at full price! :(""

I've been taken off my parent's car insurance policy. What do I do now?

I am 17 and I recently got into a serious car accident where my car was totaled. I got kicked out of my parent's car insurance policy because of this. My parents said that no insurance company is going to sell to me because I was in a serious accident while I was a minor. What should I do if I want to drive again? I can't drive a car without insurance.

How does insurance either supplied by an employer or by the government drive UP the price of health care?

How much car Insurance would I pay?

I have just got my first car as I'm 17. I got the VW Scirocco 2.0 Around how much insurance would I be paying? I am a very good driver as I have had lots of practise since I was about ten. It is modified with a nice body kit and has twin turbos. I didn't think about insurance before I bought big engine car for a first car. Any help and who does it cheap for teenagers?

How long can I not have insurance before my car is repossessed?

This month I am not going to able to pay my car insurance due to other bills coming up. If I cancel my policy this month how long will I have before they repo my car? I live in New Hampshire.

Whats the best way to cancel my car insurance?

Iv had my car insured fully come with Halifax since the 28th Dec and iv already paid around 450 on the policy but as they will not give me any sort of discount on to add my new car on the policy I want to cancel it but they want me to pay another 300 to cancel it, its only been insured for a month and I agreed to pay 1600 per year and they want nearly half of it, would it affect future insurance if I just cancelled it anyway?""

How can the government force us to buy health insurance?

I don't get how people aren't more upset about this. I don't want to have to pay for health insurance. I go to local clinics when I get sick and I pay my bills. And If I ever need an ambulance or something I will pay for that out of my own pocket. I don't want health insurance. But under the democrats new plan I would have to buy insurance that I don't want! Its just as bad as being forced here in california to buy car insurance when I don't want it. How are poor people going to afford to pay for health insurance? I have friends who know that they won't have the money to buy insurance. The economy is though enough. How are people without jobs going to buy health insurance? My dad lives in massachuasets. And he's told me how much he hates having to buy insurance there.

Is $3000.00 for Car Insurance?

my 18 yr old son just bought a 2007 Chevolet Cobalt. .$3000.00 for insurance. that just make the whole family sick. we have the house and two other Vehicles with same insurance company. i don't even think we got a discount. $3000. 00 for the Cobalt plus the two trucks. that about $5500.00 for car insurance we all have clean driving records. 18- 24 yrs old male! How much do you paid for car insurance?

Can i take out two seperate care insurances for two different cars?

im looking to insurance another car in my name, but looking i have found cheaper quotes, i was wondering if i can have two different cars, on two different insurance poilcys? many thanks.""

""Is $500,000 a large life insurance policy? Or is it just average? Or more of a starting point? Relative to what people typically have.?""

Is $500,000 a large life insurance policy? Or is it just average? Or more of a starting point? Relative to what people typically have.?""

What are average prices for small business insurance?

This is for my high school project. Please answer!

Is there a insurance company in Minnesota that covers infertility?

How is 18yr old meant to get car insurance?

I live in London and passed my test in February. I own Renault Clio 1.2 And the cheapest quote i got so far is 305 pounds per month, which is way too much for me. What companies are cheap? What can i do to start driving legally, searching for insurance is frustrating Dont say price comparison websites they suck cheapest quote there was 8k per year""

How can I get some fast affordable dental Insurance?!?

I recently had dental visit, and after the exam, I was informed that I have to pull multiple teeth. The extractions are going to cost $2200.00. I really need to take care of this matter as soon as possible. unfortunately, I don't have dental insurance. Is it any where I can Get fast affordable dental insurance:'(""

I have a question about car insurance?

i also got in an accident with my permit i know lol and my insurance went up a lot

Can you buy car insurance and then remove it two days later?

I wanted to go on a trip by myself but I need insurance... But it costs 2000 dollars a year...so can I get it and after the trip get rid of it? I'm only driving two days. Never again. What will happen after I get rid of the insurance?

""Can i drive on indian driving licence,and how much the cost for first car insurance?""

i am a international student,i have two years visa.i am 23 years old""

Is there a good site for auto insurance quotes?

i'm 26 and gonna get a new car and looking to shop around for GOOD car insurance with GOOD coverage w/o braking the bank. is there one site to get multiple quotes or do i have to go to each insurance site individually?

Does full coverage auto insurance cover vandalism?

recently someone has threw a bottle of nail polish to my car, not a big deal no dents or anything, but what if they come back and smash my windows and tire does my insurance cover that?""

Affordable Life Insurance at 80?

Please help me find an affordable life insurance at 80 years of age to life. Thank you, Lily""

Car insurance?

I got my license 2 weeks ago and I am getting a car this week. What insurance company would you recommend that I go with? Progressive, Gieco or AIG. If you have any others, feel free to throw it out there.""

Affordable medical plan for newborns?

i know there is WIC to cover if dont make enough money to pay for alot of food besides the bills, and the childs shots are covered through the pregnancy medicaid (if you have it) for ...show more""

Why is my car insurance so high?

I can't seem to find decent coverage that doesn't break my bank. Here's my current policy that I'm paying 861/month for: Bodily injury/property liability: 12,500/person, 25,000/accident, 7,500/accident Comprehensive: 1,000 deductible Collision: 2,000 deductible NO other coverage. I drive a 2010 Jetta that I OWN, I'm a 23 year old male, I've never filed a claim/been in an accident, and I haven't gotten a ticket of any kind in 5 years. Does this make sense? Am I missing some secret to affordable insurance? I have a feeling it's because I didn't finish college and I have no credit, but still... Sigh. Any help is greatly appreciated.""

Would the car insurance cost more than this car?

I'm thinking of buying an old car for $300 maybe a bit more I have my eye on a few cars like a Vauxhall. I heard car insurance is very expensive maybe a months cost of insurance will cost more than the car?!?! What price i'm I looking at?

""I'm being low balled by an insurance claims adjuster for damage to my car, now what?

I had a claim against a guys insurance company for damage he caused. They came out today and did an evaluation and now the insurance estimator is saying that the vehicle needs to be totaled and that I will be offered some low ball figure because my car has prior damage which was only cosmetic and minor nothing structural at all. I know that the vehicle will be worth more than they are going to offer. But I just want a fair price for the car. They suggested that it might take some back and forth negotiations and I need to know how to prepare for that and succeed at getting something fair? Are there any angles or cards that I can play that should give me some leverage against their claims adjuster? Your help is appreciated and thank you for your answer!

Financed a motorcycle do i need full coverage or can i buy liabilty?

I know the lender of the loan wants his money even if the bike gets stolen/totaled/breaks down what ever. But why do i need to have full coverage. So if the bike gets stolen/totaled whatever isn't all the lender worried about is getting his money? So if that happens i will tell the lender not to worry i will keep paying payments until the loan is paid off because i dont want to ruin my credit.

What kind of Insurance should we have when doing a Re Fi Loan?

I am looking over the paper work and one form mentions that we have options at time of closing for different types of insurance. We have Home Owners Insurance/ I noticed disability and mortgage and Life help please

Motorcycle Accident And Insurance?

I'm in California I was involved in a single bike wreck. immediately after wards two other motorcyclists collided in a separate but close in time and distance accident to mine. Now the insurance company is coming after me to pay the bill (Metaphorically). What should I do? any suggestions?

Cheap car insurance for 20 year old?

im new to this im 20 getting my license in ont canada and need insurance i am very cheap will be buying a car 500-700$ and want the cheapest insurance possable il fix my own car if its possible i just want to be legal cause insurance is ridiculous ty everyone

Looking for car insurance in Michigan?

im 19 years old and me and my girlfriend are looking for an apartment together and we need car insurance. i looked around and cheapest i could find is about $200 for plpd. where should i look? is there any chance i can get it around 100?

Which is the best insurance company for an 18 year old male driver?

Hey, I'm an 18 year old boy (hurdle #1) and live in South-East London (hurdle #2) and I've had my license for a month now (hurdle #3!) and just bought my VW Polo 999cc (999cc!!)..I CANNOT for the life of me find a decent insurance quote I mean i'm in full-time employment but still most of the quotes I've been given are more than half my annual salary! Public transport is NOT an option because of the shifts I've been given..I've tried the young drivers' insurance with people like Co-Op and InsureTheBox but they're not much different to anyone else.. So, if ANYONE has ANY advice/anecdotes they could share, I'd really appreciate it. Thanks in advance (:""

How could she afford health insurance?

Here's the real life monthly budget of a 28 year old woman I recently met: Wages +1760 [$10 an hour; full time, no holiday bonus pay] Taxes -250 [Social Security, Medicare and Federal Income Tax] Take Home = 1510 rent 600 [1/2 of shared apartment] car 300 [includes auto insurance and repairs] food 200 [and household supplies] electric 50 [her half] cell ph 50 church 50 clothes 100 [includes makeup, beauty, and entertainment] replacements 165 [primarily for her car = 2,000/yr] {used car replaced about every four years with another used car that is about 6 years old when bought. Monthly costs are 150 for insurance, 50 for gas, and 100 for repairs. She has no auto loan payment.] *** How much does this woman have left to buy health insurance with? *** you're exactly right -- ZERO her employer offers all employees a fine health plan -- at a cost of 700 a month for a single employee [employer contribution is zero]. Is there any way she could possibly afford health insurance? Only if it is free. There is no other way. *** what does this woman do if/when she gets sick? because she works in health care, she aks the doctor who sees her patients while he's at her workplace. he looks at her off the record and writes an Rx if needed. cost = zero plus the Rx. *** Here's the challenge -- how do you pay for her health insurance without raising her taxes?? [She can't afford any higher taxes.] Notice that, aside from her car replacement fund, she has no savings, no retirement plan other than Social Security, and almost no assets. One credit card, zero balance, used once a week on average, always pays it off. *** Dear Congressman: This woman is your uninsured target. She almost literally can't afford to pay anything for health insurance; and certainly can't afford fancy health insurance -- she's just barely making it as is. [She makes too much to be eligible for Medicaid since she has no kids.] What's her plan for a serious illness? Go to the hospital, get admitted, and go bankrupt afterward. She has an older used car and no assets -- nothing to be taken away [her car fund would be emptied for rent and food while she's unable to work]. Tell us how this is going to work -- her employer, btw, is almost bankrupt now, so you can't tax it to provide the health insurance unless you also increase health care reimbursements to providers.""

Does www.canyonlandsaz.com have the best auto insurance rates?

What does 6 months mean for car insurance?

I'm 18 and I don't know munch about car insurance. For me it's about $1500 for the year or about $300 a month for six months. Is this every month for six month like January through June? Or every other month for the whole year?

What is the best insurance company to work for?

I'm looking to get in an insurance career but not sure which one is good to work for or knowing if I should go for auto or life insurance. Is auto better to work then life? which one does have traing or free class training? thanks

Sr22 insurance Texas?

I need an sr22 insurance for Texas, but a cheap one. Any tip?""

Health insurance after an injury?

I'm currently a student without health insurance. While playing football, I injured my knee. I went to the college student health and found out I have an injured MCL, a bruised bone and a torn meniscus, and the doctor recommends I have an MRI and visit an orthopedic surgeon but without health insurance I can't do these options. First off is with attending a college student health and not a hospital, would the health insurance find out about the injury if I get Health insurance, and if not, how long do I have to wait to wait to get treatment done on my knee that the health insurance would cover?""

Car insurance?

lets say a 21 year old person goes to a car insurance company and is quoted $2000 for full coverage auto insurance. how much do you think this person will be charged at the same company at 25 years old?

Am I required to get rental car insurance if I don't have my own auto insurance?

I am planning to sell my car and cancel my auto insurance. If I want to rent a car, am I required to buy their rental car insurance, since I wouldn't have any other auto insurance otherwise?""

Cheap auto insurance?

My son has accidents and tickets over the last 3 years. We are paying $229.05 to Windhaven Underwriters. Know of any cheaper insurance prices?

I have a question about car insurance?

i also got in an accident with my permit i know lol and my insurance went up a lot

How much does insurance cost?

in california? my mother is on a stupid hmo, i was wonderingif i paid for a better insurance if it would get better.""

Car insurance for cars off the road...?

is there a type of insurancee I am able to get just to cover my car while it is not in use? I have purchased a car and I am currently waiting to take my driving test. So I was just wondering is there a type of insurance that will cover my car just while it is sitting on the path justin casee it is damaged or stolen?

Lowering my car insurance premium by putting my car under my roommate's policy?

I'm 20 years old and I own a car. I pay a lot for my own insurance. But I live with a 25 year-old roommate. Is there anyway I can lower my insurance premium by putting my car under his insurance policy because we live together in the same household. What do I need to do? We don't have the same insurance company and does that mean I have to terminate my current insurance and switch to his company? Or a lot more need to be done? I have no clue. This means big savings for me so please help. Thank you!

Can one not tell the truth when getting a car insurance quote?

i got a violation on a previous occasion, and i can get like 40$ off with not telling them this, will it cause problems? also where can i get some accurate insurance quotes for my car?""

How much does health insurance cost?

I am from the UK and I am doing an assignment on whether medicine can be justified to have a price tag. As I have free public healthcare from the country (NHS), and I do not have private healthcare. I would like a guide as to how much health insurance would cost for a child, man, and woman with no health condtions. Please be specific and add more examples if you can.""

Is there a life insurance company that insures the mentally handicapped?

Is there a life insurance company that sells coverage for a man with learning disabilities? Thanks so much.

How long does a stolen car have to be gone for the insurance to pay for you for it?

My neighbor told me the other day that their car was stolen on New Years. It was found yesterday at an apartment complex down the street. It left me wondering how long your car has to be gone before the insurance will pay you the value of the car? I assume they will pay for a rental car but you can't assume that your car will be found right away and if it is gone for a long time (3 weeks or more) will they pay for a rental that long?

""What is an affordable used coupe for about $8,000 that wont be incredibly high on insurance?""

What is an affordable used coupe for about $8,000 that wont be incredibly high on insurance?""

""Where can a 17 year old teenager find the cheapest, most affordable car insurance in North Carolina?""

I'm 17 years old. I have a 1995 Toyota Camry and I'm currently looking for affordable car insurance since my parents told me that I'm responsible for finding/paying my car insurance. I am a senior in high school and work part time, making around $160-$280 every paycheck (EVERY TWO WEEKS). I really need help!!!!! Thanks for listening!""

How much did using my SSN to get a car insurance quote hurt my credit?

How much should whole life insurance cost for a younger individual?

I would like to know a general range of prices for a younger age. I am 22 and I went to nationwide but whole life was too expense. They quoted a 30 year term, $250K for $25/month, which I still feel is expensive. Let me know what you think.""

Where can I find cheap auto insurance?

I will be looking soon for auto insurance for my first car. I have bad credit, no driving record(I am just about to get my license within the next couple months), and am 26. Where can I find an insurance company with an affordable premium?""

How much would my insurance be?

I'm thinking about buying a 2000 Dodge Intrepid R/T. I'm trying to determine if I have the money, though, and I'm not sure how much my insurance would be. I'm an 18 year old female, I'm a student and I work part-time, and I have a squeaky-clean driving record. Can somebody please give me an estimate of how much my car insurance payments would be? Thanks!""

""Im looking for good affordale health insurance, please help?""

hello, I need to see a doctor as soon as possible but i don't have insurance. anyone know any good affordable health insurance. thank you in advance""

I've started a degree course at my local uni. Should I tell my car insurance company?

My policy states that I work part time at a supermarket, which I still do. But I have started a degree course as of yesterday. I'm living at home, so no change of address, and I'm using the car to drive to my lectures. The uni is actually in the same area as where I work. Does my insurance company need to know and am I going to be charged?""

How much would my motorcycle insurance cost?

I am 18 I live in Northern Virginia. I have car insurance with Geico for a 2005 Honda Accord EX. I start college as a freshman in less then 2 weeks. I have no records (accidents, speeding, thefts, etc..) I have a part time job (18 hours a week) I understand that they're are a lot of factors in this but i would just like a rough estimate.""

How do you pay an insurance deductible?

Well i sadly wrecked my car today i have full coverage because i have a loan from a bank and im still making payments on it. I let the insurance company know. But my deductible is $1,000.00 and i dont have a thousand dollars. Can you like make cheap payments on that or do you need it all upfront? Or do i not have to pay it right away?""

How can i get temporary car insurance in the UK?

my brothers not going to be using his car for the next month and i want to know how i can get insurance cover for a few weeks or maybe a month. my brother in law got it on my dads car so he could use it for a while but im not sure how to go about it. can i do it through his insurance and how much roughly would it cost? thanks

CAR INSURANCE FOR FEMALES?

CAN ANYONE SUGGEST CHEAP CAR INSURANCE COMPANIES

How to cancel a Car Insurance?

I just got my car and I do have a full coverage insurance for it. I have a 2000 Dodge Neon and I am 20 years old. My insurance company is called Insurance Doctor , and I am paying them 250 a month(which is pretty damn high for my age). But I was wondering HOW much it would cost me to cancel a CAr insurance? and move to my mom's Insurance account?""

Cost to insure 2008 Kawasaki Ninja 250R?

I'm 18 years old, female, live in Virginia... not sure what else you need to know for an insurance quote, but about how much would it cost to insure? Let me know if you need more info. By the way- I've heard many, many times this bike is great for beginners- is this true? What are your recommendations?""

Do you pay a fine if you dont have health insurance in the U.S.?

and in california? i heard that you have to have health insurance or you will have to pay a fee/ fine or something is that true? it doesnt make sense because people who dont have health insurance cant afford it but now there's medicare and obamacare so does that mean you are forced to have health insurance?

Is there a way to find out someones insurance company only with their name and address?

i also have a license plate number. is there a website i can go to that i just type in someones name and their insurance company pops up?

Will my insurance get expensive if I don't pay it for a few months?

So I am 19 years old and I been paying insurance for 1 year now. But right now I am not working and I don't need my car as much and i feel that I am just wasting money on insurance. My policy will end in 9 days and I am thinking on ending my insurance and instead I am going to ride the city bus. Right now I am paying 96 dollars per month and the next six months will go down to $94. If I don't pay for insurance for 1 or 3 months will the price go up? How much? Thank you in advance.

A Lady hit my car and we decided not to go through our insurance...?

I told her i would call her as soon as i had a estimate on how much it was going to be. This happened back in april but i have been so busy with work and school to be able to get this done, now that i have the time i want to call her and let her know, but i am afraid it might be too late.. Is it to late?? I have all her info except her insurance info (I know bad me but i was nervous) Also im going to need a car rental is that part of what she should pay me?""

I have a question about car insurance?

i also got in an accident with my permit i know lol and my insurance went up a lot

Drunk driver ran into fence of ours and his insurance wont cover full cost to replace...what can we do?

recently, an underage drunk driver ran his car off the road and into our fence and tore up about 100 feet or so. we had a company come give us an estimate of around $1000 to fix which includes material and labor...the insurance company of the young man that ran into our fence is only willing to pay around $600 because they are saying that the fence is 15 - 20 years old and didnt cost that much back when it was built.....now, i have a huge problem with this...is it our fault that a drunk driver ruined our fence...should we have to pay out of our hard earned money the rest to make sure the fence is put back? is there anything we can do about this? any feedback is helpful....im so mad i want this to get nationally recognized!""

When does insurance rates go down?

I been in an accident in 2006 and I was looking for insurance quote for less and I wanted to know if it will lower in 3-5 years. start with a clean slate. Thanks

Car insurance?

if you are insured on your car, can you drive another persons car under your insurance? i'm having an arguement with the mrs over this.""

Car Insurance For 17 Year Olds In The UK ?

Im taking my test in a month but would just like to know what are some of the cheapest cars to insure as i dont have the bank of mum and dad to help me out so i have my weekend job which i get about 100 from roughly ive heard some people getting insurance for 1200 which is fairly cheap also what are the cheapest insurance companies ???

Taken out insurance?

I am 63 years old own my house with a mortgage, I'm disabled and on benefits which I don't like. I can't get lower than that but I can afford insurance on my contents so why should the goverment bail out those people that haven't got contents insurance what do they want from the goverment new furniture what a cheek I say. If they do get that it is not fair for the people that pay for insurance's. After all they have to get it on there cars and when they travel abroad.""

Insurance policy?...?

My mum n dad are insured on a car and are going away next week for 2 weeks and said I can get insured on their car. But their insurance will not insure anyone under 25. I don't think you can have 2 insurance policies on one vehicle but not sure, so can you? How can I get round this? If I got a temp insurance the police would only give me a warning, yeah? Personal Information: 19 year old male with a 2 year driving license and 1 year NCB Pass Plus obtained""

Do home/auto insurance companies play favorites with their customers when they pay out claims? ?

This is probably going to come off as a little dumb, but I can't think of another way to phrase it. I'm 25 y/o, a new homeowner, and I already have filed a homeowners claim for water damage. I have had the easiest time in the world with my insurance company paying for repairs, and it actually really suprised me how easy it was. After I filed the claim, I looked around online, and I saw where people were having nightmare problems with their insurance company for the same type of damage I'm claiming. My parents have been with this insurance company for 25+ years. The policy is mine alone, but I have the same agent that they have. I've also been on my parents' car insurance since I turned 16. My parents and I have all been pretty-much accident/claim free, and they always pay their bills on time. Here's my question. When this insurance company was analyzing my claim, did they take into account my parents' longterm business, or are they considering me independent from my parents? I'm asking, because I've heard of companies that drop their clients after one water-damage claim, and I'm a little worried they'll drop me""

Is there affordable insurance that covers pre-existing pregnancy?

My friend lost suddenly in a car wreck a couple weeks ago. Days later she found out that she is expecting. Cobra coverage through his insurance company is over $600 monthly. She is having a hard time finding insurance with her pre-existing condition. Does anyone know of an insurance company with reasonable rates that would be willing to cover her?

Auto State Farm insurance almost up?

I just looked at my auto insurance card that it expires next month.....i still want to keep it so do i have to call them to renew it or something, or do they call you ?""

Whats the cheapest car insurance company in ireland for young drivers ?

whats the cheapest car insurance company in ireland for young drivers ?

Auto Liability Insurance help?

SO how old do you have to be to have only liability insurance? My son got his license and I might only get him liability insurance cause its cheaper. But, some people told me you have to be 18 to have only liability""

How much does insurance for a motorcycle cost?

I currently don't own a motorcycle but am curious the cost of insuring it. I live in Vermont so I would only be riding it from June to September. I would probably be riding a 2002 Yamaha YZF R6.

What is the best life insurance for a young person 22-35?

I want to be able to use it against my mortgage. Is it possible to get money from it and not have to pay it back after a while or something? And will that change my policy in anyway?

Is medicare a good insurance plan or will a lot of things not be covered. I know there is no drug coverage.?

I recently started recieving medicare after becoming disabled, and pay over $100 per month to recieve this insurance out of my small disability income. I am wondering if this will ...show more""

What is the best insurance company for a 21yr old with a bad driving record?

car insurance for nj drivers

""Anyone know of an affordable individual health/dental insurance plan for Brooklyn, NY?""

I no longer have school insurance and my work does not offer insurance. I am looking for an affordable health/dental insurance plan in Brooklyn, New York. Is dental included in medical insurance or is that separate? I don't want to spend $600-$1000 on a premium for an HMO, but would rather spend a few hundred a month while getting a decent amount of benefits. Also, does anyone know of a comparison chart online regarding details of insurance providers including premiums and benefits. All I can find are complaint comparison charts for insurance providers. Any kind of help would be greatly appreciated. Thank you!""

""What is the average cost of homeowner's insurance for a home that is appraised at 169,000 and bought for 166k?

Home is in Rhode Island.

I am trying to find affordable heath insurance in CA?

I would also like some info on what the deductibles mean, etc.""

How to cancel a Car Insurance?

Do car rental companies ask for proof of insurance?

Here's my circumstances, I'm 22(have credit card in my name) and am going to rent a vehicle. I had insurance for 4-5 years, have never been at an at fault accident and have one speeding ticket, so I'm a pretty good driver, when gas was near $4.00 I traded in my vehicle, and it's fine as I bike everywhere as it's all close to me. I'm having family over for a couple days and need a car though, it's easy to drive around town, I'm almost 100% sure I wont get in a wreck, but I have a feeling the insurance would be more expensive than the rental itself which is ridiculous for someone with a driving record such as mine. Can I say purchase just liability and then sign something that says I'll pay for the rental if I do any damages, what would be the cheapest way to get out of this?""

What's the average price of new driver's insurance?

For the longest time I didn't want to drive anywhere. I live in a big city, I can bus or bike where I need to be. But I've been forced into getting a drivers license, and will need to get a car soon. What's the average cost of insuring a typical used car with a 28 year old male new driver?""

Does where you buy the car affects its insurance?

so im thinking about buying my first car, i know that the kind of car i buy will affect my insurance, but what if i buy the same car (lets say a porsche 911 turbo) in an auction or on craigslist (which would be significantly cheaper). would i have to pay the same price for my insurance or ould it be cheaper ...""

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

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

Can my brother drive my car without insurance?

My insurance company is with Statefarm. I'm the primary driver with full insurance coverage for the car. My brother just received his license but does not have any car insurance YET. Would it be legal for him to drive my car and if so, would my car be covered by the insurance company if he gets into an accident. I am from Canada, Ontario.""

How can I prevent a speeding ticket from making my insurance go up?

I got pulled over and as of right now the insurance is already high. I am 18 living in KY. First time offense. Any way I can prevent insurance going up?

I have a question about car insurance?

i also got in an accident with my permit i know lol and my insurance went up a lot

https://www.linkedin.com/pulse/sr22-insurance-quote-geico-ashley-bray/"

0 notes