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#like once i thought about owner-operator trucks and how you pay to own the vehicle to work to pay off the vehicle
passengerpigeons · 9 months
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becoming largely chill about most things. but i give myself permission to be mad about car infrastructure, car dependence, and cars flagrantly ignoring pedestrian right-of-way and generally endangering beings of flesh. because this is one of the few truly moral axis of this world
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houseboatisland · 3 years
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Is Elizabeth on your island, and if so how has she adjusted after decades abandoned?
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She is! And here's my headcanon for her:
Topham Hatt I, (The Fat Director,) had by 1926 accumulated a small fortune as General Manager of the North Western Railway. Reputed as a workaholic, (or boss-aholic,) Topham had sunk considerable amounts of money into his sprawling Wellsworth estate, Topham Hall. Topham was inspired by the undertaking of his sometime friend Sir Robert Walker, the Baronet of Sand Hutton. Walker's estate utilized war surplus one foot and three inch gauge locomotives to carry distinguished guests, agricultural produce, and coal to and bricks deriving from the nearby brickworks of Claxton.
The resulting pet project, the Topham Hall Railway, is where Elizabeth's story begins.
The T.H.R. was laid to what had essentially become the Sudrian "standard narrow gauge," of two feet and three inches. The line started from its Exchange Siding with Wellsworth Station, and made several crossings through the streets of that town's suburbs, before reaching the estate grounds. Hall Station brought passengers within a stone's throw of the mansion itself. Moving on, the line dove into the woods through a magical tree tunnel, with a spur at its opening for the engine and carriage shed. Crossing a brook over a three-span wooden trestle bridge, another station and a few sidings known as "Orchard Station" served the fruit and vegetable orchard. Another mile or so, and the railway stopped again for "Bowler's Station," where the Hatts and any guests could detrain for the estate's cricket pavilion.
Another half a mile, and the railway terminated at the Wellsworth Brickworks. This had been a puny operation before the THR linked up with it, employing only three men or so. After the railway's arrival, it expanded to employ a few dozen, and three more kilns were added. Throughout the Great Depression, Topham kept the Brickworks open and its employees onboard out of his own pocket, even as the bricks accumulated unsold. This was far more humanitarian than his treatment of NWR employees and three of his engines!
The railway had one locomotive, a royal purple Kerr Stuart 'Tattoo' class, named "Little Barford," technically a brother of the Mid Sodor Railway's No. 4, "Stuart." Little Barford arrived also with several v-tipper wagons, a dozen ex-War Department bogie wagons, four-wheel trucks and two ambulance vans. The ambulance vans were thoroughly rebuilt by the estate's woodshop to become an elaborate passenger coach, and a "Dining Car," which was quite identical save for the fewer seats and teeny gas cooker. The passenger coach saw constant use, but the Dining Car mostly sat in the siding at Bowler's Station as it cooked. The line was so short, it never could've done more than boil an egg while moving to timetable!
Capping off this complement of rolling stock was one Sentinel DG4 "Overtype" Steam Lorry, quickly named Elizabeth, after the Duchess of York's newborn daughter. Elizabeth was absolutely coveted by Topham, though he wasn’t exactly a steady hand at the wheel. Elizabeth was kept polished to perfection, even when her work involved carting such grubby loads as soil, clay, and coal. She was in every respect a "father's princess," but she worked dutifully and loved Little Barford like a twin brother. She also learned from her Victorian old master her favorite catchphrase, "We are/are not amused!" depending on the context.
The Second World War began in September 1939, and this national shift in priorities turned Elizabeth’s devil-may-care youth on its head. The Wellsworth Brickworks shuttered as many of its men volunteered or were called up, and housing construction all but ended. Little Barford was kept on at the Hall as the Ministry of Agriculture and Fisheries set to increase production on Topham Hall’s farms. Elizabeth on the other hand was, for the first time, moved away from her only home. As the civilian petrol rationing situation tightened, and private motoring was eventually banned, Elizabeth was suddenly very valuable as a coal-fired road vehicle.
She was commandeered and relocated to Tidmouth Harbour, working night and day as a dockside lorry. This was a very stressful period for her, for she was utterly friendless and out of her element. Although Sodor was never bombed, the routine blackout drills and stories of other ports destroyed, such as Liverpool, took their toll on her mentally. At some point however, she "bucked up." Elizabeth realized she was no longer an aristocrat's toy. For all she knew, Topham had probably forgotten her. As the military lorries she came face to face with daily were almost all of the internal-combustion type, who was to say that when, if ever the war was over, that he'd want her back if he remembered her?
In these circumstances, Elizabeth adopted her more familiar, stiff-upper lip personality. There was no time for polish or quaint little rides to the cricket pavilion, there was a war on! She became grubby, and liked to be grubby. She worked like the devil, and loved that even more. Her posh accent never left her, but she was now in every respect out to be a working girl. Elizabeth would never admit it to herself, but this huge change of self owed much to her upset at being removed from her only home. Did she legitimately like being a working lorry, rather than an estate owner's princess? Certainly she did. Was it an easy and completely voluntary change of character? Of course not. But it was done, and Elizabeth spent many nights assuring herself that it was the right path, the only path to have taken.
1945, the end of the war. Everyone was so jubilant. Elizabeth was cleaned and polished like a crown jewel, decked out with flags and bunting, and allowed to participate in the Tidmouth Victory Parade. In several colour newswreels of the event, you can spot her amid the cascade of tickertape and throngs of soldiers, nurses, longshoremen, civilians, tanks and lorries. It was no doubt a fun day for her, but now she thought a great deal about the future.
The war, which had been everything to her for six years, was over. Soldiers were being demobilized and coming home. Industries were retooling for the postwar world, to make consumer goods rather than several airplanes an hour. The Attlee Government, in conjunction with the devolved Sudrian Parliament established in 1946, had a grand vision for The Mainland and Sodor, where the welfare state for the long-suffering people and machines was vastly expanded, their jobs would be increasingly unionized and their bosses answerable to them, rather than the other way around.
Despite the historically harsh winter into the New Year of 1947, Sudrian workers, bouncing back much quicker than their Mainland counterparts, were delighted with PM Attlee's "New Jerusalem." Tidmouth Harbour was still very busy, as Sodor's biggest gate in and out for the world, and Elizabeth kept calm and carried on as time marched on. She was much busier than she had first feared, and that winter was her time to shine as so many petrol lorries were out of commission with "head colds." Elizabeth convinced herself, somehow, that these thousands and thousands of war surplus petrol lorries wouldn't take over. If so many had taken ill in these conditions, maybe Sodor, or even the whole world, would consider turning back the clock and restoring steam to the roads completely.
She feared and resented petrol lorries something terrible. When the petrol ration which had enabled her life all this time, was finally ended, she was heartbroken. Every worry she had seemed to come to pass all at once. First, the Tidmouth Harbour Authority decided it would be much cheaper to stack its fleet with war surplus lorries, and she was out of a job. Her next owner, a furniture mover, didn't keep her long, and neither did the next, a man who planned to fit her out as a bus and ran out of money.
By 1956, when the now-knighted Sir Topham Hatt I had died, Elizabeth had already been accumulating dust in a shed for two years. She never saw her last owner, who by now had failed to pay rent on her storage. Anopha Quarry, who owned the tumbledown little shack, seized her to make up the difference, but never once came to inspect the lorry who was now their property. Eventually, the Quarry forgot about her too.
It wasn't until 1961, when a little blue puffer deputizing for Toby on the Quarry Tramway carelessly had a coupling rod failure, that she reemerged. She made a heartstopping journey down the line for the necessary spare rod, pins, oilpot and tools in Ffarquhar Sheds, where she stirred up quite a scene, before an even more uncomfortable journey back. Elizabeth's Sentinel heritage thankfully preserved her for the whole ordeal, when Thomas' Driver, then at her wheel, worried that she'd explode and take him with her.
Back into the shed she went after this good deed, for how long, if ever to come out again, she didn't know. Until of course, that same night, a man very like her old Master, named Bertram just like his son whom she had given so many rides through the orchards and to cricket games, came to make a visit...
You can guess the rest :3
Sir Bertram Topham Hatt I was reunited with his childhood friend, and his father's favorite lorry. He immediately sent for her with his own money to be restored, and at once moved her back to Topham Hall, where she was herself reunited with the closest thing to a brother she'd ever had, Little Barford, who this whole time had been working as well as ever, and wondered why no one had ever gone to look for Elizabeth despite all his questions. It had been assumed, wrongly, that Elizabeth had perished on war service. That's how the Tidmouth Harbour Authority wrote it, after they pocketed her sale money! (Sir Bertram was LIVID not to get his hands on the now deceased Harbourmaster responsible.)
Elizabeth is now back to her childhood home hauling farm produce and any visitor willing to get dirty, for she still insists on carrying a bit of grime as a testament to her labours. The Wellsworth Brickworks has reopened, on a much smaller scale, as a "living museum," and Elizabeth takes great joy in carrying clay and coal again. Her, Little Barford, and Sir Bertram are now tighter than they've ever been, and Sir Bertram is the only man allowed to polish her. He's a much more sedated force at the wheel than his father, she notes, and quite often!
We ARE amused to see her <3
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losille2000 · 4 years
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Hoot and Howl, Chapter 1
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TITLE: Hoot and Howl CHAPTER NUMBER: 1/? AUTHOR: Losille2000 CHARACTERS: Actor!Chris Evans/OFC GENRE: Paranormal Romance (more on the magical realism side?) FIC SUMMARY: Chris goes on a camping trip to calm the noisy anxiety in his head, but it ends up leading him into his own messed up version of a Disney movie. When he said he wanted to be a Disney prince as a boy, this was absolutely not what he meant. Especially considering that the princess is also, well... about that... RATING: M (sex, language) WARNINGS:  Nothing. AUTHORS NOTES: This is the second story in the Seasons of Magic series, so the same “world” as Home is set in. I will continue Home, but this needed to get out. Also, it has obviously been a very long time since I’ve updated and/or written anything of great substance, so please be kind. That said, I do appreciate any concrit if you have it. You do NOT need to read Home to understand this story.
Also a quick message to my readers who are coming back: welcome back! I appreciate you all so much. I know it's been a long, long time since I've updated. A lot has happened in 2 years (for one, I am now teaching full time, and teaching eats all of your extra time). A lot is still happening. But this unprecedented time at home has given me an opportunity to try to write again. Enjoy!
Previous Chapter - Also available on Archive of Our Own!
Chapter 1
The speeding truck, rusted out and sputtering, navigated over a narrow gravel driveway and through dense pine forest for a quarter mile off the main highway until the path opened into a clearing. Inside the clearing was a simple country farmhouse with hunter green shutters and aged white siding, sedate and quiet, but for faint white smoke curling out of a tall stone chimney. A vibrant forest behind the house was aflame in brilliant autumnal colors, cloaking the mountain in shades of kingly red and gold as it reached into a stormy sky.
 Chris only wished he could truly appreciate nature’s beauty, rhapsodize on it, photograph it, consider how, even when it seemed like the world was going to shit, there was still… this. But he couldn’t; rather, he kept his eyes keenly affixed on the narrow drive to assure that he and his passenger reached their destination in relative safety.
 Relative, being the operative word.
As though to test him, the truck bounced over a particularly uneven patch of gravel. The rear swerved and his heart jumped to his throat, but he was able to right the vehicle with a steady shift of the steering wheel and a determined clamp of teeth on his lower lip. Only belatedly did he remind himself to breathe, to calm the heart once again beating a heavy tattoo in his chest.
 Chris inhaled deeply, twice, and instantly regretted it. The cabin reeked of wet dog and man, mud, and the metallic tang of blood. His stomach clenched. Giving in, he took his eyes off the road for just a moment to glance at his companion, who had curled up on the truck’s bench seat beside him. The red and blue plaid flannel he used to wrap Dodger’s mangled paw had soaked through and now just looked dark brown.
 “Just a few more seconds, buddy,” he murmured, more to hear himself speak, to reassure himself, to connect again with the world instead of spiraling into another panic attack. He’d been doing so well avoiding them recently, too. “We’re almost there.”
 Chris hadn’t seen it happen, really, the incident that led them to this enchanting farmhouse with the green shutters. They’d been out on the river, he and Dodger, two days into a two-week solo camping sabbatical.  Dodger skipped between stones and barked at random creatures scurrying around the banks of the river while Chris adjusted the nylon fishing line on his pole, attempting to catch dinner. Then he heard a yelp and a splash; when his eyes darted in the direction of the sound, Dodger was already struggling to swim in the swift river current.
 Chris jumped into the icy river immediately, without considering the toll it could take on his unprepared body—the river was just a few feet deep, but it was certainly deep enough and cold enough to freeze every vital organ for a split second and prolong the rescue of his precious friend.
 Fortunately, he’d plucked the pup out of the rushing water by the collar just before Dodger was out of reach, and then trudged slowly back to the embankment through thick muddy riverbed, thinking all was fine now and Dodger simply needed to dry off. Other than struggling in the current, it wasn’t a rare occurrence that Dodger’s natural mischief led him to fall in a body of water—be it natural or manmade, like the swimming pool back in LA. Dodger would fall in, get out, Chris would dry him off and then the dog would go lay down, the natural consequence having fully chastised him for being silly.
 But this wasn’t like that at all. Only when they made it back to dry land did Chris notice the blood dripping freely from the canine’s front paw, made all the worse from the water saturating his fur. Somehow, Chris had kept it together long enough to rip a piece of his flannel shirt off and tightly tourniquet Dodger’s leg; never mind that he had a stack of towels and blankets in a duffel bag a few feet away, which might have been useful—also—to warm a shivering, scared animal.
 Then the anxiety hit him, literally knocked him on his own ass, as he scrambled through his fishing tackle box for the emergency burner phone. The one that could dial out for emergency services and receive calls from his mom, because his mom was the only one with the number.
 The phone still had a charge and the old crappy mobile internet had come through for him when he searched for the closest veterinarian, even all the way out in the middle of the Massachusetts wilderness. He’d practically thrown Dodger into the truck and sped away from the campsite, with the fishing line still dangling in the river. 
 Now that he thought about it, or at least, now that the adrenaline had subsided a bit, he realized the mistake he made. If he even made it back to camp tonight, that pole would probably be long gone. And so was any chance of eating because it would be too dark to do any fishing with the other poles he brought with him. The energy bars and backup rations he packed would only go so far to fill his man-sized stomach—and they were supposed to be provisions to last two weeks. He didn’t want to go back into civilization for at least that long.
 Chris grumbled. This was why he didn’t have kids—he could barely handle his dog’s injuries, let alone anything worse. How would he ever react with an actual human child? Leave another fishing pole in the river? Or, if they were at home, leave the stove on and burn an entire house down?
 The thought was absurd!
 Him having children of his own was a ridiculous idea. He absolutely was not qualified. The fact that his girlfriend was pressuring him to commit to that—to finally settle down—only made matters worse. There was nothing he wanted more in the world than to settle down to have a family, but the other person in the relationship had to understand the difference between wanting something and knowing one’s personal limitations. His level of anxiety, despite all the work he had done learning to manage it over the years, was not at the point where he could contemplate children.
 This trauma was a perfect example. Fuck. He probably wasn’t even qualified to have a fur child, now that he thought about. He certainly didn’t feel like he was worthy of the companionship of this perfect spirit lying beside him and whimpering in pain because he hadn’t been paying attention.
 He glanced at Dodger again, but the dog didn’t even pick his head up this time, so he reached out to place a reassuring hand on his back. They’d get to the vet, and everything would be fine. It had to be. He couldn’t lose him.
 A few seconds later, Chris pulled into a parking spot alongside a tiny Toyota Prius, which he found completely incongruous to the rustic storybook farmhouse sitting before it. These places were made for old beaters like his, or something with a little more substance—even if he did appreciate the owner’s care for the environment.
 His old truck creaked to a stop, the noisy clunking machine rattling until it finally fell silent a few seconds later. Dodger whined again and tried to stand on his bad paw, only to slide back down the vinyl seat with the wet shirt rag. He scooped the dog into his arms and pressed his lips to the dog’s head—a completely illogical thing to do at a time like this because it clearly wasn’t going to make Dodger’s paw heal instantly, but it made Chris feel better—and bound up the three front steps toward the second door on the other end of the large porch with the small plaque that read “Dr. Bird, DVM.”
 Grateful the door had been left partially ajar, he nudged his shoulder against it and stepped into a room that looked like any other doctor’s waiting room—human or animal—except for the fact that he was the only person staring at a space he wished were filled with a reception desk with a receptionist. Someone… anyone… who could help Dodger. Immediately. All he found were worn vinyl-cushioned benches, magazines piled on an end table, and lamps glowing soft yellow light into the four corners of wood-paneled walls.
 There was also another door, this one presumably leading further into the house, but it remained firmly shut.
 His anxiety clawed back up his throat and began to strangle him—should he have instead gone to the other vet in the other direction, though another half hour away? Had Dodger lost too much blood? The dog seemed limp in his arms. Was it… was it too late? Should he just barge in through the other door to look for help?
 Chris opened his mouth to yell, but his entreaty died on his lips when the closed door creaked open. A massive cat with a fluffy white coat loped into the room, clearly unphased with the seriousness of the situation. He frowned at the odd creature as it stopped just in front of him, looked up and slowly blinked large jade-green eyes. The proximity of the feline made him uneasy; not only was Dodger uncaring of an animal that he would have otherwise had a real problem with staring up at them, but Chris felt the cat was assessing them frankly, and not in any typical cat-like way.
 The cat made a soft chittering sound, as though trying to communicate with him. Chris’ frown deepened. This was getting them nowhere, fast. And this cat gave off some really fucking weird vibes. And if he weren’t mistaken, it felt like the animal was rolling its eyes in disgust that he, a human, had not been able to understand Cat.
 Was this a dream? Was he hallucinating this? More importantly, what kind of medical professional allowed a cat to be the welcome committee to a place of business, never mind that it was a veterinarian’s office?
 The cat “receptionist” blinked again and sat down heavily, flicking its long tail before emitting a rumbling and, if Chris were being honest, perturbed meow. It echoed in the barren room, but the sound was finally enough to pique Dodger’s interest. The dog turned his head quizzically with perked ears.
 Dodger yipped twice at the animal but didn’t struggle like he wanted to get down and chase the cat. In response, as though they—the dog and the cat—had somehow communicated the problem to each other, the cat stood back up and trotted back to the door and disappeared.
 Chris tried to speak again; a blur of feathers stopped him this time as a large grey bird soared into the room and landed on a perch affixed to the opposite wall. He’d not noticed the protrusion there, as it was made of the same wood as the paneling and blended in with the walls.
 The grey parrot with crimson tail feathers turned to look at him, clucking a few times then saying in a strange parrot voice, “Just a minute! Just a minute!”
 Chris considered turning around and leaving. This was too strange, and his canine companion was too precious to be dealing with a doctor who didn’t have a proper staff and left the care up to a weird fluffball cat and a parrot. When he turned toward the door, the bird suddenly sounded like a Star Wars droid, booping and beeping and trilling like R2D2, then changed to words. “Don’t go! Don’t g—”
 “I’m so sorry!” A new voice—a feminine one, smooth and alto—broke into his periphery. “I was in the middle of something that couldn’t be put down.”
 He whipped around to come face-to-face with a blessedly human figure standing before him, all wind-tousled jet hair and large obsidian eyes. Concern etched an otherwise blemish-free face of smooth tawny skin. She was probably the most beautiful woman he’d ever beheld, but that notion, too, was immediately forgotten like the beauty of the landscape outside, in favor of the creature in his arms.
 “My dog, he—” Chris began, snapping out of his momentary trance.
 She swooped into action, flicking her eyes down to Dodger. She hummed and reached for him. “Let me take him back and have a look.”
 “Can’t I go back?” he asked, reluctantly handing Dodger over.
 She cradled the dog to her chest; Dodger didn’t struggle as she spoke softly. “It’ll be okay, Dodger.”
 “You look as white as a ghost,” she said then, her voice now firm. “You need to sit down and calm down. You’re not going to be any help to your dog or to me if you’re freaking us both out during an exam. Let me look at the injury and stop any active bleeding. Then we’ll talk.”
 And with that, she was gone so quickly he could have sworn she had kicked up a cloud of dust in her wake. However, he did what she’d instructed and collapsed onto one of the old benches, then covered his face with his hands and prayed. He didn’t do a lot of it these days, preferring other forms of soul searching, but he did say a few silent words. Dodger needed to be okay. He couldn’t lose this one constant in his hectic, always changing life. At least not until the dog had lived a long, fulfilled life at his side.
 If only his anxiety would let him think positively.
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Military Out of state insurance?
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I'm in Portable, Al., plus it appears the region has received some insurance expenses, both deductables and payments. A significant aspect in here is the hurricanes we have had previously six decades, present or consider (Yes, I am aware there are more components regarding costs, the overall economy being no small portion). Inside the first-place, many places can't possibly get insurance in fact, because no business can write a brand new policy. Does Florida have the same dilemma? In the past decade, their state has observed a great deal more of its share of natural problems than my residence (my town has not had an immediate strike from the major storms)" That is better motor insurance? $500 per-year by having an excess of $ 1150 560 per year by having an excess of $900 These will be the 2 greatest quotes I will find. Both are reliable companies that are big. Insurance for young drivers? 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Would appreciate so much any solutions for this:)" "Simply how much could nyc auto insurance be to get herself being insured only by a 19 year old? ?" Howmuch would nyc motor insurance be to get herself being insured just by a 19 year old? ?" Driver that is extra prices? How much should i expect to pay to include a lasting added driver to my motor insurance? It will be considered a driver on the provisional permit. Its with Immediate Line, in the UK I have a quote, I recently feel I used to be offered not correct, and need to understand what other folks believe it typically costs." Insurance Price? What's the monthly insurance expense to get a cadillac escalade for a 32-year old driver with a great file IF YOU GET STOPPED WITHOUT AUTO INSURANCE? IF YOU GET STOPPED AND YOU Have no insUraNce on your car just how much could be the fine??? Is medicare considered health insurance? how good is medicare in comparison to the average health insurance plan? Howmuch must I save up for auto insurance? Today I've 0 money. But with having said that, my dad has offered me to buy a brand new car like the hyundai elentra. This can be about 16-20 great. Today he states that I ought to not be irresponsible to fund gas the preservation as well as the insurance of the car. I've the vehicle however now need to save up for your insurance although therefore. Just how much does one believe should I save up before cashing in the auto?" Is modern car insurance great? Is progressive auto insurance great? Proof car insurance? I reside in Massachusetts, and that I have proof insurance on my registration. There isn't a different insurance card - but when out of state I'm pulled over for some reason, this would be be enough? Does anyone have any experience with this particular?" What might Auto-Insurance cost me? I am 16, live-in Toronto. I am a man, and none of my parents have insurance and so I will undoubtedly be by myself. I have an 88 avg in school. And that I can look to get a vehicle with insurance charges that are reduced which is protected." Why is unemployment insurance healthinsurance so expensive and inexpensive? The government deducts my unemployment insurance but I've to pay for medical health insurance out of earnings? Appears like the federal government takes less. Conservatives hate prices only earnings. We must take healthcare out . What goes on with 2 speeding tickets to my auto insurance? I got a defensive class and obtained a speeding citation 6 months for I do believe and was placed on probation? Currently, just four weeks later, I got another speeding ticket. May these tickets both go on my document? And if so do you consider my AAA auto insurance costs will rise? I'm 19 and also have nothing for both of these seats on my record except. Also, what will I've to pay in court?" Military Out of state insurance? Im a Texas resident but was stationed in Florida. My car was bought and registered in Florida, and I have my car insured in Florida". I am now stationed in las vegas and if i change the location my car insurance will double. Somebody informed me since im military i can have out of state insurance as long as its from where the car is registered? Is https://www.linkedin.com/pulse/cheap-cars-insure-first-time-drivers-2016-alexander-tran/ ? Does anyone know if im technically still covered or must i switch my car insurance?" I recommend one to visit this website where one can get rates from the best companies: http://INSUREQUOTE.INFO
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thesevillereport · 3 years
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In Focus: Lordstown Motors, We Wanted It So Bad
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In 2003, when the average price of gas was $1.59 per gallon, two guys, Marc and Martin started an electric car company. The following year Marc and Martin connected with an investor named Elon. Two other members, Ian and J.B. would join and make up the founding team of the new electric car company.
Fast forward five years and Elon, the investor, is in full control, and the original two founders Marc and Martin have left the company. The company eventually goes on to become the biggest thing in electric vehicles and the company we all know and love today, Tesla.
Many people aren't aware that Tesla lost its original founders in 2008. Elon Musk has become Tesla, and so today people associate everything Tesla to Elon Musk. But Tesla had its moment where its founders stepped away, and left the investor in charge. Which causes me to wonder, could Lordstown Motors (RIDE) follow in Tesla's footsteps and make what seems like a rough time for the company just a speed bump in its overall history?
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Last week Lordstown's CEO Steve Burns and CFO Julio Rodriquez stepped down from the company. The news was the cherry on top of a bad 2021 for Lordstown.
In March Hindenburg Research released a report claiming that Lordstown had misled investors on their production capabilities and the demand for the company's electric truck. According to the Hindenburg report, former employees claim that a Lordstown electric vehicle is several years away from happening. In addition Hindenburg pointed out that the purchase commitments that Lordstown had touted for their Endurance truck were not firm commitments.
After spending months denying the Hindenburg Research report, Lordstown announced in early June that the company has limited capital which would force them to produce half the vehicles originally forecasted by the company . Now add to that the CEO and CFO resigning, and as you can see, it has not been a very good 2021 for Lordstown.
What's Next?
The latest news from Lordstown is that the company has enough cash to last until next May and that production of the Endurance electric truck will start this September. It's decent news to investors, but nothing to write home about after now knowing that those pre-orders that were once celebrated by the company weren't firm commitments to buy. Assuming thatthe Endurance does go into production in September and it turns out to be everything that Lordstown says it will be, it will still take some time after production for the word to spread, which means the company still needs more cash.
Industry analyst Joseph Spak of RBC Capital Markets believes Lordstown needs $2.25 billion between this year and 2025 to remain solvent. Spak presumes the company will get the cash it needs through either government funding or by issuing additional equity. Both options at this point should be in the electric vehicle startup playbook.
Tesla sold new shares to the market twice in 2020. 17 years after the company started, and with thousands of cars produced and on the road it still raised money through issuing additional equity. Andlet's not forget the $465 million loaned to Tesla by the Obama administration back in 2009. The amount pales in comparison to the $50 billion the government loaned GM, but at the time Tesla had sold less than 1,000 vehicles. The loan would be a big catalyst for Tesla's future success.
For Lordstown the only way out of the mess is goingthrough the mess, and the person tasked with leading them temporarily out of the mess is Angela Strand. Strand's resume regarding all things electricis impressive. She co-founded Chanje, a joint venture between Smith Electric Vehicles and FDG Electric Vehicles Ltd, she founded another electric based company In-Charge. She also served as Vice President at Workhorse for a time.  
By Strand's side on the management team there's Lordstown's president Rich Schmidt, who previously served as Tesla's Director of Manufacturing Operations between 2012 and 2017, so he's seen some tough times in the electric vehicle business. There's also John Vo, Lordstown's Vice President of Propulsion. Vo served as the Head of Global Manufacturing for Tesla from 2011 to 2017, he's another Lordstown exec who's seen tough times in the EV industry. Finally, Darren Post Lordstown's V.P of Engineering led five new vehicle programs from concept to production while at GM.
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The management appears to be familiar with setbacks as well as success, so this current issue shouldn't have anyone on the management team very rattled.  The question that investors have to ask themselves though is can this management team execute if they're able to raise the funds they need?
We Wanted It So Bad
Since hearing its former CEO speak about how EV companies prior to Lordstown were only going after the weekend warrior truck owner and not the everyday workman and woman, I was hooked on Lordstown's vision. After seeing the Cybertruck and Nikola's Badger my question was how do the people I know use those trucks to work in? The contractors, the pool service people, and lawn care people, the diving instructors I know need a truck that's functional, not one that just turns heads, and that's what Lordstown promised, a functional electric work truck.
However, what I and many investors who were caught up in Steve Burns' dream forgot was that starting an automobile company is extremely hard. Elon Musk once wrote there are onlytwo American automakers that haven't gone bankrupt, that's Ford (F) and Tesla. It's an extremely difficult business to maneuver, and yet when investors saw an EV company making themselves public we all bought in hoping that it would be the next Tesla.
Tesla's stock price run from $42.12 per share (adjusted for the five-for-one stock split)  in 2019 to over $300 per share in August 2020 when it announced its five-for-one stock split hypnotized us all. All of us who missed out on owning Tesla for less than $20 a share in 2011 were hoping Lordstown could be our cheap buy-in to the growing electric vehicle market. We wanted and expected all of the good of Tesla, but never once stopped to consider the bad that Tesla had to endure to get to where they are today.
Following Tesla since 2010, I've seen how close it's come to not making it, and because it did make it I assumed that the path it laid out would be what future EV companies would follow to make the travel from startup to established auto maker less strenuous. But Lordstown wasn't looking to walk in Tesla's shadow, it was looking to create and sell its own technology to a commercial market, and in doing so it was starting from zero and carving out its own path.
I don't know if I'm still in love with Steve Burns' vision or I'm just a hopeless optimist, but I'm still a believer. Right now Lordstown's management nor its investors can think about winning the game, the focus now should be on staying in the game.
I can't think of any manufacturing company that hasn't gone through a financial crisis at some point in their start. I expect all of the startup electric vehicle companies to go through it at some point or another, minus Rivian, who seems to just keep raising money. In 2019 Rivian raised over $2 billion and in 2020 raised another $2.5 billion. According to Business Insider Lordstown received $675 million upon going public by way of a SPAC acquisition.
Also, as amazing as Ford's electric F150 looks, I'm still not convinced that Ford is all in on electric vehicles, and because of this I think the electric commercial truck / fleet truck market is still up for grabs.
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Investing in Lordstown is a big leap of faith. Based on all that has been revealed, I think the company should trade at a lower valuation than it currently trades at right now ($1.88 billion). However, with the right CEO and funding this company could be the next big thing in electric vehicles, and then we'll be paying a lot more than $1.88 billion for the company.
My thoughts still go back to the commercial vehicle / fleet vehicle market. Precedence Research valued the commercial vehicle market at $1.51 trillion in 2019, and it expects the market to grow to $2.55 trillion by 2027. I pass so many fleet vehicles on my daily runs, and I know that one day those trucks are going to be electric, and I wonder who will those electric trucks be made by? The market offers a lot of room for a quality electric truck company to grow, but first, Lordstown has to stay in the game.
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danieljbockman · 7 years
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“Who Made Who, Who Made You?” 
`ACDC
The video game says "play me"
In this age of exponentially advancing technology that seems to be moving forward at breakneck speeds and leaving most people in the dust, you have to ask yourself, “Are you mastering technology or are you being mastered by it?” The movie Maximum Overdrive comes to mind when I say it but it seems to me that most people are being mastered by the technology of the world because, for one, they can’t fully understand it! And who would other than the extremely smart geeks that are the ones that have designed and developed it. But I’m not talking about understanding how code works or being versed in advance complex binary language, and electrical engineering, what I’m talking about is understanding the nature of technology.
Face it on a level but it takes you every time on a one on one
I think we’ve all seen that one person we know that has made a fool of themselves or did some embarrassing thing on social media just because they didn’t fully understand the nature of the medium or what it was capable of. But to go even further than just devices and social media, what about AI, artificial intelligence, and robotics? There has been a lot of attention as of late to the subject of AI and robotics coming from three main places, 1) the tech world 2) labor 3) government. All three of these groups have different perspectives on the subject of AI, but when you get down to it, those perspective are virtually the same. What it boils down to our jobs! When I was a kid, robotics and AI were a cool thing from a social aspect because it was going to be the future and create lots of jobs but, today’s attitude toward AI is, it’s considered an insidious disruptive technology because it’s starting to threaten the American work force for not only the low wage entry level employee, but some upper-level echelon type jobs are now on the AI chopping block.
Feeling running down your spine
As a businessman myself, I am always looking for ways to optimize my operation and work to a much more efficient level so I, over many other people, have an eye for the things that make life better for not only me but my customers. One day I was in the city close to where I live early in the morning and I saw a garbage truck picking up trash in a small neighborhood. The truck would drive up the street from house to house and with a hydraulic grappling arm, would grab the garbage can at the curb and with superlative precision, dump the trash into the truck’s hopper and then move on to the next house and the next… I couldn’t help but remember when I was a kid, it took 3 people to run a garbage truck, one to drive the truck and two hanging on the back jumping off and grabbing garbage cans and dumping them into the truck. Now, there is only one person driving the truck and a mechanical/hydraulic grapple does the pickup. Now think about this, mechanical/hydraulic technology is fairly rudimentary. It’s been around for decades so this is nothing new or what would be considered disruptive. But here it is, a low level of basic elementary technology replacing two, and I would assume good paying jobs, on a garbage truck. A simple redesign of an already existing mechanics and hydraulics technology that probably only took one mid-western raised farm kid mechanical engineering student a few days to devise, replaced 2/3’s of the garbage collection jobs in a cities sanitation department! That’s 2/3’s of the jobs per truck! Think about how many garbage trucks the average city could have!
Nothing gonna save your one last dime cause it owns you
The garbage truck example is showing you that this kind of disruption was not invented by a bunch of Silicon Valley tech billionaires, therefore this is probably the first time you have ever heard of this kind of example or even thought about it because it’s not high profile pop-culture news on the subject of AI. Now that AI is front and center of the jobs debate and more than just garbage collection jobs are being threatened, the low-level positions that are being replaced with AI are in the spotlight. Debates are being volleyed back and forth about the ethics of AI, the responsibilities of a safe AI and what the future for the low-level job is going to be. There are so many issues being generated by the acronym AI that it’s hard to keep up with them but no matter the issue, they are all sitting on the foundation of fear. Fear of job loss, fear of robot take over, fear of an economic crash, fear, fear, fear! There is very little coming out of these discussions or debate about how good AI and more automated tech will be for businesses. Mostly because AI, robots and the evil word, “automation” has created social sting to it. Back in the 90’s the word automation was associated with production and prosperity, today here in 2017, you might as well have kicked someone’s dog when you say automation!
Through and through
Something very interesting has evolved out of this discussion and some very interesting data has been mined by it but because the issue of automation has been so stigmatized by the social aspect, not many people know this or want to know some facts about automation. Have you heard the saying, necessity is the mother of all invention”? The Wall Street Journal Opinion did a piece on the subject of automation with a brief history of minimum wage disasters. In the piece, they have a paragraph that says,
Our analysis at the individual level draws many similar conclusions. We find that a significant number of individuals who were previously in automatable employment are unemployed in the period following a minimum wage increase.      
I think it’s important to point out the words “automatable employment” in this statement and that when people in automatable jobs rally for a wage increase, it’s generally followed up by automation of the positions resulting in job loss. No wonder this has become a social issue! Here’s another statement from the piece,
After a union harassment campaign against McDonald’s over its entry-level wages, the company accelerated the deployment of digital technology that allows customers to tap their orders on a screen instead of talking to a cashier. In the face of city and state mandates to raise wages, the chain has continued to automate more functions in its restaurants, and investors have been cheering. McDonald’s shares have risen more than 30% just this year.      
The databank knows my number
So what is this telling us? Even though wages and jobs are a social issue, money is not! Money doesn’t care whether you deserve a raise or fair pay or a living wage. Take the social side out of the issue and look at the business side of automation and you will see what is actually rallying - are the company stocks! Stock respond enthusiastically with the thoughts of automation. What this is telling us is that money and business itself is like a robot with no feelings or sympathy. It may be artificial intelligence but it's not emotional intelligence! These two forces have always been pulling at each other and will continue to pull even harder long into the future. The employee and the company owner will be at odds over the social aspect of the work force for many, many more years to come. It will be like the world is pressing down way too hard on an already unstable fault line and then you add the element of job loss as a result of automation and the powder keg continues to fill.
Says I gotta pay 'cause I made the grade last year
Even though it hurts to hear, automation is good for business. I had a friend who works for the rail road express his concern for the loss of his job because the rail road employees had heard about a company that just fully automated a semi-truck and tested it with a flawless result. The company Otto installed an automated self-driving truck add-on to a truck in Colorado last year. During the test, they hauled a full load of beer from Fort Collins CO to Colorado Springs without incident under fully automated self-driving. Even though there are plenty of issues and concerns about self-driving vehicles and we are still long ways from seeing it on our public roadways due to safety concerns, the important part of this whole test was the technology to fully automate a semi-tractor trailer only cost about $30,000! That may seem like a lot of money to the average working class citizen but its chump change to a company owner and - the most significant part is - it will only get cheaper!
Feel it when I turn the screw
Listen to this closely! Another friend of mine with a background in electrical engineering and mechanical engineering once told me in a mastermind group session that all the technology needed to fully automate our entire rail road system (freight and passenger) has existed for the last 20 years! To make that fact even more significant, (or worse depending on your view) the technology for that kind of automation can be easily bought by anyone in something as simple as a child’s RC parts catalog for only the price of a few dollars! Ouch!!!  
Kicks you round the world, there ain't a thing that it can't do
With all the uproar and debates around AI, robotics, and automation, how do you protect yourself from being a job loss statistic in the future of high tech? I have two suggestions for you.
1. Start your own business. Eliminate yourself from the automatable employment arena. I know what you’re about to say, “Dan, what if I choose a business that it too becomes automated?” I say, jump in with both feet and become the automation company for that industry. Remember, automation is good for business! I once took an online test to see if my job was subjected to potential automation. There is no subject on the test for “company owner, entrepreneur or self-employed.” Take the test here to see where you fit.
2. Reinvent yourself. For those that prefer to not start a business, it would be in your best interest to reinvent yourself for the future of the automated work force. This is probably going to be the hardest part for a lot of people and, without a doubt, is the core reason automation has become a social issue! Here’s what’s happening and if you doubt I’m right on this, you need to open your eyes! It's human nature to take the path of least resistance, we are lazy by nature mostly because we were given advance cognitive thinking and reasoning skills from having the most advanced brains in the known universe. Basically, we can think our way to survival vs having to rely on instincts like lower life forms such as animals. So we are lazy! Modern technology (ironically) makes us even lazier so we continue down this path of not having to change much in our lives to live a fairly good life or to just get by. But now livelihoods are being threatened as a result of exponential tech advancements. These easy paths of making a living are becoming more and more scarcely available because let’s face it, low-level jobs don’t take much thinking to perform effectively and satisfactory and, they are reasonably easy and cheap to automate. You just go to work, keep your nose clean and go through the motions of the job and you get paid. Whether it’s a living wage or not, is not the issue. You are still getting paid money and you are managing to live on it. The hard part of this is, now that easy is going by-way of the robots, we humans have to start using our brains to figure out how to make a living. Using your brains is work, humans don’t like work, so now it sucks and the tension begins to get tighter on the fault line of employer and employee.
Do to you
If for nothing else, try this. Think about what you could do to reinvent yourself and see what you can find. I think you will be very pleased with getting to know yourself a little better and that you defiantly have what it takes to change something about yourself to survive and prosper. Go out and get the book by James Altucher Reinvent Yourself. It’s a great book by a bestselling author and you will get a lot out of it.
Who made who?
It’s time to do the work, easy is now out and you are going to have to use your brain! But you can do this and keep in mind that, “The easy path leads to a hard life but the hard path leads to the easy life!” Be sure you’re the one turning the screw!
Daniel J Bockman                
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vsplusonline · 4 years
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Essential workers talk about how COVID-19 affects them
New Post has been published on https://apzweb.com/essential-workers-talk-about-how-covid-19-affects-them/
Essential workers talk about how COVID-19 affects them
Health-care workers, grocery store staff, transit drivers and food delivery workers are among those being hailed as heroes for continuing to provide much-needed services amid the COVID-19 pandemic. The Canadian Press spoke to people whose work has been deemed essential by their provincial governments, about how the public health emergency has affected their lives:
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Helen Stathopoulos, grocery store manager and clerk
When shoppers clogged the aisles of a Toronto No Frills store weeks ago in their frenzy to stock up for a potential quarantine, Helen Stathopoulos was the one who directed staff on how to handle the crowd.
Since then, Stathopoulos — who works six days a week as an associate manager for No Frills and one day a week as a part-time clerk for Loblaws — has had to navigate daily changes to help keep herself, her coworkers and customers safe as officials recommend strict physical distancing to curb the spread of COVID-19.
Her employer and union have worked together to put safety measures in place and provide protective equipment, and staff are striving to support each other emotionally, she said.
“The fear is there, whether we want to admit it or not,” she said. “But the demeanour that we have, both my locations that I work at, we all try to keep it light… we crack jokes, we do our thing and we just stick together just to make it through the day, and we take it as it comes.”
Stathopoulos, 41, said she is glad to do her part during the pandemic and appreciates the unprecedented wave of gratitude towards grocery workers.
“In my 25 years of working for this company, it’s the first time where somebody will actually call to speak to the manager, and not for a complaint but to thank my staff,” she said.
Some shoppers have let their fears and anxieties get the best of them, however, particularly as greater restrictions are imposed. Some fight among themselves, others are curt with employees, she said.
At the end of the day, Stathopoulos barely has the energy to pick up groceries for herself, she said, though she tries to stock up on essentials.
“I probably have eaten takeout more in the last three, four weeks that I’ve had in an entire couple of years. You’re just so beaten up after a 12-hour day that you’re just like, OK, I need something quick and fast,” she said.
Twice a week, she buys food for her 82-year-old mother and drops it off outside the woman’s home. Stathopoulos, who lives alone, said not being able to see her family has been the biggest adjustment, but she keeps in touch by phone or video chat.
The pandemic is throwing a wrench in her family’s plans to celebrate Orthodox Easter, which coincides with her mother’s birthday this year, she said.
“We were planning this absolute massive bash to celebrate Easter and my mother as well, and I think of all these things that we won’t be able to do,” she said.
“It scares me, it really does, because what does that norm look like in three months from now? Does it slow down, does it not? Does the grocery industry in itself still maintain the same pace as it is right now?” she said.
“We all talk about (how) we’re tired, but I think it’s not that we’re physically tired. I think we’re mentally tired.”
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Michelle Anbar-Goldstein, social worker
Many of the people Michelle Anbar-Goldstein works with on a daily basis don’t fully understand the public health crisis unfolding around them.
As a social worker, she helps people found not criminally responsible for crimes due to a combination of developmental disability and a major psychiatric disorder, who are either at a facility or in the community.
Some supports, like group work, have been temporarily halted due to the pandemic, but Anbar-Goldstein continues to visit those in her care, navigating restrictions put in place by various ministries and organizations to help contain the virus.
“I am still going into the community and seeing my guys and spending time,” the 35-year-old said.
“Just because of the pandemic doesn’t mean that we’re not having mental health crises. And in fact, it’s much worse now.”
Part of her job is helping people follow safety measures imposed by health and government officials, but that’s proven difficult, she said.
The lack of compliance has contributed to her anxiety over the virus, as well as her family’s, even though she practises physical distancing and makes sure to change clothes and shower as soon as she gets home, she said.
Anbar-Goldstein said her husband recently asked why she had sat on the couch during a visit to a patient’s home. Her four-year-old son has also shown signs of anxiety over the pandemic.
Her husband and son have at least been able to spend time at her husband’s music studio, since no one else has been there in weeks, she said.
“So they get to leave the house and go there and they’re playing music together and recording songs. So that’s really fun for them,” she said.
As for her own concerns, so far they’re balanced out by the rewarding aspects of her job, she said.
“While I’m anxious beyond a shadow of a doubt about becoming ill, I also am grateful for being able to leave my house and see people as much as possible,” she said.
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Katie Stock, social worker
Along with helping people prepare for life after a major illness or injury, Katie Stock now also helps them think of how they’ll manage risks related to COVID-19 as they reintegrate the community.
“Having an injury or an illness that’s changed how they function in a time in the world where the entire world has changed how it’s functioning is causing that much more uncertainty,” said Stock, a social worker at a Toronto rehabilitation hospital.
Some aspects of her work have changed due to physical distancing restrictions and other safety precautions, but the nature of it remains the same, she said.
Phone calls and video conferences are replacing face-to-face communication with patients’ families due to a ban on visitors, she said.
“I’m having to do a lot more of that work on the phone and actually trying to send people videos of what things look like because it’s really hard to describe how someone’s moving or functioning without physically observing it,” she said.
Stock said she appreciates the public support shown to essential workers and feels equally grateful for the work done by grocery staff and others whose jobs rarely get the recognition they deserve.
The pandemic has affected how she behaves outside of the hospital, she said, noting she is acutely aware of her responsibility to patients and others in the community not to spread the virus.
She now cycles rather than walking or taking transit, she said, and tries to limit grocery shopping and contact with others, which has meant not seeing her family.
Stock has also discussed safety precautions with her roommate, and makes sure to change clothes as soon as she arrives home from the hospital, she said.
Before COVID-19, Stock said she was rarely home, spending her free time playing recreational soccer and softball, going to trivia nights or concerts with friends, and trying new restaurants.
But public health measures urging people to stay home have brought Stock closer to her roommate, with whom she’s been living since November, she said.
The two now cook and eat meals together, go for jogs, and play Dance Dance Revolution, a dancing videogame, she said.
“I couldn’t have thought of a better roommate for the pandemic,” she said. “She’s just so positive and easy to get along with.”
——
Ron Kang, owner of transport company Elite Freight Lines
As the number of COVID-19 cases rises in the U.S., Ron Kang is finding it increasingly difficult to find truck drivers willing to haul goods across the border.
In some cases, he said, the drivers themselves feel comfortable making the trip, but their relatives are urging them not to, for fear of exposure to the potentially deadly virus.
Kang, who oversees roughly 25 staff and contract drivers, said he’s trying to ease their fears and has changed company policies to ensure they have as little contact as possible with anyone outside their vehicle.
For example, truckers can now pay for fuel at the pump, rather than going inside the truck stop, he said. They’ve also been given masks, gloves and hand sanitizer, he said.
“If you look at it, you’re actually quarantined in a truck, but the only time when you get out, you just need to take those precautions and use the protective equipment,” he said.
Kang, 43, said he’s also wearing gloves to handle paperwork and other materials while working at the company’s Toronto-area office.
Though the business has been deemed essential, the shutdown of other industries means fewer goods need to be transported, which — combined with drivers’ reluctance to go into the U.S. — is affecting the company, he said.
He’s been applying for loans and seeing what payments can be deferred, while counting his lucky stars that the business can operate at all, he said.
Truckers haven’t hesitated to take on domestic trips so far, though some are finding it difficult to eat well on the road now that restaurants can only do takeout, Kang said. At least they are once again able to use restrooms in businesses following a plea from government officials, he said.
His family has also had to make adjustments in light of the pandemic, he said.
It was his wife’s birthday this week and she couldn’t have any visitors, so a friend dropped off a gift at their front door, he said. Meanwhile, Kang picked up a cake at Dairy Queen and a small gift at Shoppers Drug Mart, he said.
The couple’s three boys, aged 12, 14 and 16, have been keeping busy at home, which is on a farm property in Caledon, Ont.
“If this thing goes on for another three, four months, at least we can hang out outside without any problems,” he said with a laugh.
This report by The Canadian Press was first published April 5, 2020.
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itsadrizzit · 4 years
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Today in weird-news-that-isn’t-actually-that-weird-if-you-know-anything-about-Rotterdam from Rotterdam....
A group of bankers, brokers, and journalists was huddled outside a dingy warehouse along the Nieuwe Maas River in Rotterdam on a gray morning in January 2017. All around was the industrial sprawl of Europe’s largest port, a landscape of cranes and colorful shipping containers stacked up like Lego bricks, reversing trucks and squalling gulls.
The building was run by Vollers Group GmbH, a logistics specialist based in Germany. One of its managers, Martijn Wijbrandi, led his visitors inside to get high-viz jackets and a safety briefing. We’ve never had a problem with theft, Wijbrandi said, but it pays to be careful. He pointed out the alarm system, secured by a PIN code. On the warehouse floor, everyone filed past piles of magnesium bricks and bags of coffee to an area walled off by steel sheets that rose almost to the ceiling. A security camera was aimed at the padlocked sliding door.                
Wijbrandi gestured to a tattooed young employee in a baseball cap who’d been driving a forklift. The man strolled over to unlock the doors, revealing hundreds of orange and blue drums piled four-high on pallets. Each container was full of chunks of cobalt, a formerly obscure, unwanted metal that got its name from the German kobold, or “goblin,” because it vexed medieval miners who, trying to extract more valuable substances from its ore, were instead rewarded with worthless powder or toxic gas. It’s lately become highly valuable because it prevents the lithium-ion batteries found in mobile phones and electric cars from overheating and bursting into flames. Cobalt’s value surged more than 300 percent from 2016 to its 2018 high, reaching a record of almost $100,000 a ton.                
One of the group, Anthony Milewski, broke off to pose for pictures in front of the barrels. Milewski is the founder and chief executive officer of Cobalt 27 Capital Corp., a kind of metal hedge fund that offers investors an indirect way to bet on a battery-powered future. The Kennewick, Wash., native had amassed what’s thought to be the world’s largest private stockpile of the bluish-gray metal—about 3,000 tons, not far behind the largest public reserve, the Chinese government’s—and was hoping to raise money to acquire more. The vast majority of the company’s material was locked away in Rotterdam, including about 76 tons at this facility. He’d arranged the tour to show Cobalt 27’s backers their stash was in safe hands.                
An energetic former lawyer with a shaved head, Milewski began buying cobalt in 2015 as a fund manager at Pala Investments Ltd., a firm created by Russian coal and steel billionaire Vladimir Iorich. In 2017, Milewski recapitalized a dormant mining company by issuing shares on the Toronto Stock Exchange and used the funds to purchase Pala’s cobalt in return for about 20 percent of the shares. With that, Cobalt 27 was born. Milewski is so enamored of his chosen commodity that he can summon the latest statistics about cobalt production and electric car usage at will. “I don’t know where I get them from,” he once joked at an industry dinner. “They just come to me. I’m like the Cobalt Jesus.”                
Wijbrandi pried open some drums to show visitors what cobalt looks like: cathodes in little squares that were rough and dull on the surface but glittery and jagged underneath. Some of the visitors took samples as souvenirs, and the tour came to an end. Vollers was just one of the companies being paid to look after Milewski’s metal in Rotterdam. There was another site to visit.               
Months later, on July 9 2017, a worker arrived at the warehouse at about 7 a.m. to open up for the day. He entered a code to unlock the main gate. Nothing seemed amiss until he reached the cobalt section of the warehouse floor and noticed the padlock had been cut. He contacted his boss, who called the police. When officers arrived about an hour later, the only other visible sign of a break-in was a missing recording unit for the security cameras. That, and the drums of cobalt—112 tons of it, worth about $10 million—were gone.                
The Minor Metals Trade Association, a London-based industry group Vollers is registered with, made the first public statement about the incident 10 days later. Vollers didn’t comment, citing the ongoing police investigation. When a reporter asked Milewski if Cobalt 27 had been affected, he declined to comment at first. Then in August the company revealed in an earnings statement that it owned 76 of the missing 112 tons. All the metal was insured, Cobalt 27 said, assuring shareholders that the rest of its holdings were safe.                
News of the heist spread quickly through the tiny network of people who trade in cobalt. All of them, it seemed, had stories about metal thieves. David Weight, the president of the Cobalt Institute, another industry body, told Bloomberg Businessweek he’d once sent a consignment to the U.S. from Rotterdam in the 1980s and received a note from the buyer in America that read, “Thanks for the gravel.” Someone—Weight never found out who—had taken the lids off the drums, removed the metal, and replaced it. Around the same time, Weight said, armed men held up a freight train en route to South Africa, decoupled the carriages containing cobalt, and towed them away on a separate getaway train.  
The Rotterdam case was something different altogether, unprecedented in its scale. Cobalt is tricky to mine, transport, and sell. A typical drum weighs 250 kilograms, making it tough to move unless you’re a forklift operator or an Icelandic strongman. One metal trader told a story about a truck driver in Africa who, he’d heard, stole some cargo and stashed it in the vehicle’s spare tire. Now weighing almost a ton, the wheel sheared off midjourney, rolling down a hill and over a car, killing the occupants.                
If thieves do manage to steal it, they’ll encounter a new host of problems: Cobalt can be toxic, so anyone trading it legally typically needs a special license. It can also be of troubling provenance—most of the world’s supply lies in Congo, where child labor and corruption are widespread—meaning the few industrial buyers ask for documentation to establish that it’s from a reputable source. (Cobalt 27 has a policy of sourcing its metal from mines outside Congo, which makes it easier to sell.)                
London’s cobalt experts could only speculate on how someone could steal 112 tons of rare metal from a secure warehouse, and Vollers declined to comment for this story. Getting more answers would require a trip to the coastal region of the Netherlands and Belgium that has for centuries been the gateway to European trade and to its criminal underworld. One man in particular could help a reporter navigate the port of Rotterdam, a veteran trader said—“You need to speak to Hans.”                
Rotterdam was destroyed by the Germans during World War II, but once it was rebuilt it became, for a time, the world’s biggest and most advanced port. Locals joke that it was remodeled by the Nazis. Once seen as the roughhouse younger brother to sophisticated Amsterdam, it’s grown into postindustrial hipness. The town center is immaculate, with edgy modern architecture standing comfortably alongside pockets of colonial-era grandeur. Young residents ride around on bicycles without any sign of the fear, evident in London or New York, of getting run down by motorists. Dutch orderliness is apparent from the moment you stroll through customs at the airport to find your baggage already waiting for you. Yet Rotterdam is still a port, with a port’s lawless side. In October 2018, customs officials found 1,300 kilos of cocaine hidden inside a frozen chicken meat shipment.
“There is never a day the same, but it’s not always easy,” said T.J. Meeuwisse—aka Hans. At 60 he’s a huge man, especially around the middle, with patchy skin and a repertoire of bawdy jokes, and he’s worked at the port since he was 19. He used to run a warehouse business and now works as a logistics consultant.  
A few years ago, he said, he was on a list of people designated to respond when security alarms were triggered at the warehouses he oversaw. Eventually the port police warned him to stop showing up, because criminal gangs were operating in the area. You take a bullet and that’s it, they told him. “In that case, it should be a big bullet,” he recalled replying, grinning to reveal long, thin teeth. He was working on this day out of a riverside restaurant with waterproof menus and local soccer team jerseys hung on the wall. Outside, as cargo ships slid past and a refinery flared off gas, the port’s scale was apparent. Nothing but industry for miles in every direction. Lots of places to hide a haul of stolen metal.             
Hans said he was aware of the cobalt heist but couldn’t talk about it, because some of his clients use Vollers and he was bound by a nondisclosure agreement. Like everyone at the port, he knows that thieves keep an eye on the commodities market no less than London traders. “We are all cooking with the same water,” he said. “There is no warehouse in Rotterdam that hasn’t had an issue.” About a decade ago, 50 tons of ferromolybdenum, an alloy used in steel production, was stolen from one of his sites, Hans said. The thieves had cut through three fences and sabotaged the antennas that sent the alarm signal. The metal’s owner recouped the money from its insurers, and though the police came out to investigate, they never arrested anyone. As for the criminals themselves, Hans said he had no idea who they were. He professed never to have met one.                
Jan Struijs, the chairman of the Dutch police union and the former head of a criminal investigation squad in Rotterdam, offered a little more insight into the city’s underworld. He met with Bloomberg Businessweek near the Cool District, home to brightly lit bars and Hawaiian poke joints. “We have the characteristics of a narco state,” he said, as young Rotterdammers in skinny jeans sipped coffee and fiddled obliviously with their smartphones.                
Struijs explained that he wasn’t comparing the Netherlands to Mexico. “It’s about a parallel economy,” he said. “We have the best infrastructure in Europe, and not only the good guys are using it.” Smugglers use the Netherlands to import cocaine, black-market cigarettes, counterfeit medicine. It’s the site of considerable drug production, too, and among the world’s biggest makers of ecstasy tablets, including a recent global flood of carrot-colored pills stamped with Donald Trump’s likeness.                
One problem, Struijs said, is that the police tend to catch only small-time crooks. Gang leaders, meanwhile, escape with their loot and embed themselves in the legitimate economy. “They own hotels, property, and garden centers,” Struijs said. “They have been doing this for 20 or 30 years.” This world of what he called “gray corruption” connected organized crime groups from Italy, Albania, and North Africa to corrupt, or corruptible, officials and dockworkers in Rotterdam. About 1 in 7 port employees in the city has been approached by a criminal, according to a police survey.                
The warehouse heist? “I think it’s the tip of the iceberg,” Struijs said.                
“I am on an uninhabited island of money that I have left over from the kobal [sic] theft,” the tattooed forklift driver wrote. “Go and write about it. Idiot”
The July incident wasn’t the first time someone had stolen metal from Vollers. It wasn’t even the first time someone had stolen cobalt from Vollers. Back in 2008, the company worked with a trucking firm called Sigma Phi that employed ex-cons, according to Peter Poels, an inspector in the Belgian Federal Police who worked on the case. Among the felons was Gunther Jacobs, a serial thief well-known to police, who made it his business to befriend warehouse workers wherever he went. Jacobs heard, through some Turkish and Moroccan employees, that Vollers had a cobalt shipment coming in. On Dec. 23, according to documents from a subsequent insurance dispute, he locked himself inside the warehouse, waited until the place cleared out for the evening, then disabled the alarm and let his associates in. It took them six hours to load 20 tons of cobalt into trucks, which his colleagues drove to the Netherlands and stashed in a locked container.
According to Poels, Jacobs had a relationship with a Dutch businessman and horse breeder who had links to the drug trade, the local chapter of the Hells Angels, and, crucially, a network of scrap-metal dealers who didn’t ask too many questions about paperwork. Vollers didn’t notice for more than a month that the cobalt was gone, until the metal’s owner, Axl Resources Ltd., ordered it shipped out. Axl successfully sued its insurers in London to recoup the $1.8 million it lost. The cobalt was never recovered.                
Jacobs and 13 other members of his gang were convicted and jailed in 2011, after a Belgian investigation called Operation Pepperoni. The thieves also confessed to taking more than 100 tons of copper, 23 pallets of Lee Cooper jeans, and 817 Yamaha saxophones during a two-year spree. The truck drivers who worked with Jacobs often had minor convictions on their records, Poels said, adding that some were heavily in debt and eager to make money on the side. The Dutch horse breeder later survived two assassination attempts. “Criminal gangs,” Poels said, “are multidisciplined.”                
The Jacobs operation was less sophisticated than some other cobalt heists. As port security systems have improved, criminals have adapted, targeting some of the biggest names in the industry. In June 2012 a vessel delivered three containers of cobalt briquettes to an Antwerp shipping terminal. The cobalt was to be collected by a warehousing company called C. Steinweg Group on behalf of a buyer, Glencore Plc, the global commodities trading firm. When Steinweg’s truckers arrived to pick up the containers, they found that two had already been collected, according to legal documents from the resulting insurance dispute. What happened to the cobalt is unknown, but it’s assumed that the thieves somehow got hold of the secure code Steinweg used to pick up deliveries from the terminal.                
Glencore sued the shipping company for breach of contract and won $1.1 million. In the course of the lawsuit, it emerged that both the shipping firm and Steinweg had been targeted by computer hackers. A Steinweg manager testified that a remote electronic surveillance device was found next to the office of the company’s finance director, though the manager said it had been blocked by a firewall. A London judge decided there was no evidence the security codes had been stolen from Steinweg’s systems, but the incident showed how far the criminal fraternity was willing to go.                
Steinweg is familiar with the port’s seedy side. Founded in Rotterdam more than a century ago, it’s become a conglomerate that has also owned supermarkets and even a nightclub for a period in the 1980s and ’90s—though several former patrons say “nightclub” is a flattering description of the Embassy, known for its pink-and-mirrors décor and occasional strip shows. Former executive Eddy de Werk had been a regular at the club, and he liked it so much he bought the place. (De Werk died in 2010.) When the Embassy was finally shut down in 1999, the Dutch press reported that it was a sex club employing illegal prostitutes.                
And yet, Steinweg is the biggest and most reputable name in its industry, the IBM of warehousing. Nobody ever got fired for choosing Steinweg. After the theft from the Vollers warehouse, Cobalt 27 placed all of its metal with the company. Steinweg also took the only existing video footage of the 2018 Vollers cobalt heist, captured by a security camera at a facility up the street, according to several people familiar with the investigation. It showed three lorries (or one lorry making multiple trips) entering the warehouse on Friday, July 6, between 7:45 a.m. and 12:15 p.m. Each time, the vehicle was at the warehouse for a little more than an hour and departed with its trailer visibly sagging. The operation’s efficiency was spectacular: Whereas the Antwerp crew took six hours to make off with 20 tons of cobalt, the Rotterdam gang took several hundred bright orange and blue drums weighing 112 tons in less than five hours. In broad daylight.                
Steinweg and the Dutch police declined to make the footage available. Contacted for comment about that and other matters in this story, Steinweg Chief Executive Officer Ulf Boll responded: “Unfortunately, I am unable to help you, sorry. Company policy is that we do not talk to the press, never, on no occasion. No exceptions.” A spokeswoman for the Dutch police said the investigation was ongoing, and it was too early to draw conclusions. Six people have been detained for questioning so far, four of whom were brought before a judge for a preliminary hearing, she said.                
After the robbery, Vollers moved out of its old location and into a warehouse farther down the river. In October 2018 a Businessweek reporter visited the new site after getting no response to messages. Pressing the buzzer at the gate prompted the traffic barrier to rise and an unshaven man in a luminous yellow jacket to walk over and ask, “Can I help?” It was Wijbrandi, the Vollers manager. He explained that he was unable to comment and that it was best to contact his manager in Amsterdam. But he said he remembered the tour he’d given in January: “I have questions about that visit. There were too many people and too many pictures.”                
The tattooed forklift driver who’d opened the sliding door during the tour was actually the warehouse foreman. His name is Nick Ponsen, and aside from port logistics, he’s also an amateur rapper whose earnest videos can be found on YouTube (think early Eminem without the sense of humor). He was fired in the wake of the robbery, for reasons that neither he nor Vollers will discuss. Reached via LinkedIn, Ponsen responded to questions at first with sarcasm, then hostility. He confirmed he’d been let go by Vollers “without any further consequences” and blamed the theft on the “childish” security measures taken by his former employers. He wrote that he was unable to talk because “I am on an uninhabited island of money that I have left over from the kobal [sic] theft.” Asked whether that meant he’d been involved, he replied that he wasn’t interested in Businessweek’s questions. “Go and write about it. Idiot.”                
In October 2018, Milewski hosted a cocktail party at the Arts Club during LME Week, a yearly outbreak of backslapping and boozing organized by the London Metal Exchange. By 5 p.m. a crowd of industry luminaries had already gathered in the basement bar, drinking Negronis and bubbly. Milewski, in jeans and a blazer, was on Diet Coke. He said he never drinks. Later that night, he gave a speech in which he riffed that the worst thing that could happen to the cobalt market “would be for this room to catch fire.”
The joke fell flat, but the party buzzed on. No one was talking about the thieves stalking Europe’s biggest ports. Instead, it was routine trader chatter: who was feuding with whom, which rival had amassed the biggest position. One mining executive toted around a sample of gold ore in a plastic case, to celebrate a recent discovery. From time to time, the conversation turned to cobalt prices, which had lately dipped, driven by a burst of new supply. Companies have also been developing battery-making advances that may ultimately diminish the need for the metal. The sooner the better, for some—Elon Musk has said it’s getting so expensive he wants it out of Tesla Inc.’s batteries entirely.                
Milewski is still buying up cobalt from mines outside of central Africa. He’s raised about a billion dollars from banks and financiers for the purpose since 2017, signing so-called streaming deals that have Cobalt 27 pay upfront for access to a miner’s future production. His nickname is spreading, too. Whenever he calls a Canadian bank he does regular business with, he said, he gets a confused response from the receptionists because one of the bankers entered his name into the phone system as “Cobalt Jesus.”                
And why not? Milewski has pulled off at least one cobalt miracle. In November 2018 his company’s insurers paid out for the missing 76 tons—at the top market price for July, even though cobalt had dropped almost 20 percent since then. The victims made a small profit from the crime. “At the end of the day,” Milewski said, “the system worked as it’s supposed to.”                
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theliterateape · 4 years
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Fifty-Four Years Doesn’t Seem Like That Long: What I Absorbed In the Past 365 Days
By Don Hall
Every birthday since I was in eighth grade, I have spent some going through the year I just ended and looked for the lessons it held for me. Today, I turn to page fifty-four in the Book, so here are the lessons of Year 54. I recognize first, that a few of these lessons have been lessons learned over and over for years and second, that some lessons are contradictory with others. Such is the road I travel and it’s a fair guess we all travel.
Year 54 was a trip. As in, literally a trip to the desert. After thirty years in Chicago, Dana and I packed our shit, hopped in vehicles, and traveled 2,000 miles west to up end our lives and forge new territory. It was a year of jumping of a cliff. It was year of lotsa moving. It was a year of lessons.
As I started Year 54, I was living in a bedroom in Humboldt Park in the home of the guy we were moving with to Vegas. We had already gone there and found a house. We had an arrangement to help him move his ridiculous mountain of stuff, he would pay for the move, and we’d take on a portion of the mortgage as co-owners once we settled.
LESSON #1: There’s No Such Thing As Free.
Yes, we agreed to the move. It was much less expensive to get our home across the country in exchange for labor and the agreement to share a home. We had no idea how much labor would be involved and how little input we would have concerning living arrangements. 
There were the flags of crimson that popped up. 
For Christmas, he wanted a tree. He and Dana went to Home Depot (a place of almost religious fervor for him) and, in her impatience as he limped through the aisles looking for random tools and containers to impulse buy, she grabbed a tree, paid for it, and took it out to his truck. He was so upset that it wasn’t exactly the tree he wanted, he pouted like a child for three days. He didn’t decorate with us. When we went to Kansas, he took the tree down almost immediately and, in the process, haphazardly combined all of our legacy and family ornaments into a box that went rogue by the time we arrived in Vegas a month later. Grown men don’t act like this, I thought, but we were already in for a pound.
When he flew to Nevada and Dana and Kelli (his long-time roommate) drove his truck out there, I was left to get all of his stuff and our stuff on the moving truck and clean his now sold home spotless. He woefully underestimated the amount of shit he had to move and, as a result, I had to drop a grand to make sure the moving company didn’t just drop all of it off in an alley.
Combining this with the very trappings of Las Vegas where every offer of free play is merely an invitation to get hooked on the buzz of slots and spend your kid’s leukemia money, the idea that anything is free is just silly. Everything in life has fine print somewhere and, baby, you get exactly what you pay for. The delusion of free feels nice until the hidden bill comes.
Once in Vegas, I had set up a number of interviews and meetings in order to land some quality money-making gigs. I interviewed at the MGM Grand, Caesar’s Palace, the UFC, the Make-A-Wish Foundation. I had meetings with KNPR, UNLV, and The Black Mountain Institute. I had all the expectation that my Chicago street cred would get me into the places I was looking at.
LESSON #2: High Expectations Amount to Big Disappointments.
It turned out that while I was well-received, no one would hire me. It took me a bit to figure out that my Chicago experience didn’t really translate well to this new area and that my decade with public radio basically made me too expensive for the more academic crowd. 
When I finally figured out that freelancing events in Vegas was far more daunting than my high expectations warranted (EX: In Chicago, an Events Representative was a job that entailed, you know, working on events. In Vegas, an Events Representative is the guy holding a spinning sign outside a business) I started looking for just about any gig that paid.
LESSON #3: Ego Is the Fucking Worst Baggage You’ll Carry.
Starting over from scratch is the bargain we made but my perception of myself was from my thirty years in Chicago. Here, while I had no bridges burned I also had no reputation of any kind and it was a struggle to reconcile these things. At this point the most difficult challenge was to ignore my ego and sack up. There were a few days when I couldn’t get past the reality that these fucking people didn’t know who I was. The ego developed over thirty years in the Chi was a bitch to ditch. I had to accept the reality that starting over was exactly that.
Dana landed a job at a casino bowling alley that was far beneath her perceived value. I bounced from working as a window sales rep
LESSON #4: Any Job That Requires You Wear a Lime Green Polo Shirt is Bullshit.
and quit after three weeks. I found a job at a high-end hat store in the Venetian (part time) and settled in a bit.
Backing at the Hoarder Ranch (later to known as Trash Island) our Christmas Tree Pouter was in full swing. He often slept during the day in the living room and would go out to the shed he built to work on random projects in the middle of the night. As Dana and I opted to move into the tiny box one-bedroom converted garage to have some privacy and some escape, he loitered around, demanding attention, and trying to pay us to go out and get him cigarettes and Mountain Dew.
LESSON #5: A Transactional Relationship Will Always Be Transactional.
LESSON #6: Jumping Off a Cliff Is Only Scary the Moment Before You Jump. The Rest Is Simply Navigation.
It’s sort of that Hannibal thing where you burn the bridges behind you so there’s only the forward road to take. Once you’re committed to the journey, the only real choices are figuring out how you land. The number of times I went back to re-examine our choices leading up to moving was staggering — late nights as Dana slept peacefully in the crummy bedroom and I sat in my robe at a desk in the next room wondering “What the fuck have I done? What am I supposed to do now?” It reminded me of both my divorces and the final break up with Alice in that, in the absence of the malicious relationship that had defined my every waking moment, I longed for more of it to cover me up in a soiled, stinking blanket. Familiarity, regardless of the quality of it, is a salve to uncertainty.
The first four months were peppered with whole days seeped in self doubt. Spending two weeks with nothing more than $1.42 in my bank account. Looking at my Prius and begging whatever arcane gods exist that it last just a few more days. Putting on the optimistic pose for Dana as her naturally pessimistic outlook felt like that moment driving in the dark when you seriously ponder the possibility of just turning off the headlights and gunning the accelerator and crashing yourself on the rocks of “At least I get to control this outcome.”
Leaving Chicago was a divorce. A disengaging with the reality that, in a life of not truly fitting in with any crowd, I no longer fit in with an entire city.
In the face of the fact that my resume and reputation from Chicago meant fuckall to employers in Vegas, I applied to a host of places—restaurant management positions, public school positions, retail, and briefly flirted with Uber and Lyft. A Days Inn attached to a small casino called about interviewing for an Assistant Hotel Manager gig. I went in. The Manager and I talked. I was comfortable enough at the Hat Shop so the prospect of working at a hotel off the strip was mostly about making more dough. The next day, I was asked to come in again. This Director told me flat out he thought I was all wrong for the hotel but had I considered casino management?
One more interview with the General Manager and I was offered an opportunity. Operations Manager of a casino in Las Vegas. Entry level pay but, given my utter absence of any experience in a casino, it felt like being noticed. I mean, in Vegas, casino is the primary business so getting in on that at 53 years old was very intriguing. Certainly a tiny, dive bar version of a casino but complete with slot machines, a bar, and a Sportsbook, this felt as if I was going to Casino College. I left the Hat Shop the next day.
LESSON #7: Take the Job That Seems the Most Interesting Because All Jobs Are Just Jobs But Interesting Jobs Have the Most To Give.
While I started at the Wild Wild West and a modest income started flowing in, Dana decided she’d had all she could stand at the bowling alley (she simply has no patience for bad managers). We also decided to move (again) to remove ourselves from Trash Island, the increasingly hostile (now) landlord (who, in a fit of pique, turned off our internet), and the east side of Las Vegas (a place Dana described as “the ass end of broke dick.”).
Framing the casino management gig as both a means to learn this business and make some cash doing it and the makings of a really fun book about this sub-sub-set of casino life made it an easy choice to make. Jump into the dingy pond of the West and drink heartily from its possibilities.
LESSON #8: While Still Just Stuff, Your Own Stuff Provides Stability and Comfort.
Finding an apartment was surprisingly easy. The place was small but far larger than the garage we’d grown accustomed to and the complex had two swimming pools and much closer proximity to my work and humanity. The move was a bit fraught as I was hellbent to get as far away from the Crippled Dick (who stood by as we packed our things into a rented U-Haul with a pistol on his hip as if we suddenly represented a threat).
In no time, we were surrounded by furniture and things we brought from Chicago — our stuff. As we expanded into our new digs, the feeling of having finally arrived in Vegas started to creep in and the freedom of making our own way dawned.
Back in the days before the move but after the ignoble dismissal from the public radio sphere vocationally, I decided that working for myself was the thing. I worked that freelance dance with gusto. Sure, I was taken advantage of by major Chicago institutions (Chicago History Museum, anyone?) and found that getting paid was like extracting teeth but I leapt into it.
Freelancing in a new city with a completely different definition of events proved more daunting.
LESSON #9: Freelancing is Three Times as Much Work as Working for the Man
I love the seeming freedom of freelance work. Getting up when you want to, working often from home, the sense of the hustle. Were I single, it might be exactly how I’d pursue the day but I’m not. I have a larger responsibility to a partnership and providing regular money at regular intervals is a part of the bargain. A more selfish me would leap into the almost non-existent LiveLit scene and forge what I had forged in Chicago and there is a bit of a siren song to gravitate to that lifestyle.
Turns out that I prefer working with a definite paycheck, easily deposited in my bank account every two weeks, than the fucking scramble to achieve financial freedom on a twenty-four hour basis. It’s good to have those freelance skills but it’s also good to be able to relax into a day job. Dana thought she was looking for a day job and discovered she prefers freelance.
The best lesson is that no matter how broke you are, no matter how destitute you might flirt on the edge with, there is almost always a way through unless you simply give up. If I decided tomorrow to quit the gig in the casino, devote my golden years to writing the Great American Novel or caring for the homeless, I would find a way to feed myself, provide a roof over my head, and carry on. Dana is an amazing partner and we got this.
LESSON #10: No Matter How Broke You Are, There is Almost Always a Way Through Unless You Simply Give Up. 
In addition to my own experience, I learned and re-learned this from the patrons of the casino. Sure, there are plenty of compulsive gamblers on property and it is my job to make sure their experience is positive. There are far more who have really lived some life and continue to get up, go to work, then come and have a few drinks and try their hand at some potential winnings. Gambling is all about hope — hope that it’s your day to hit the jackpot, hope that that next hand is the one to create the windfall, hope that you can be a winner.
Giving up is an absence of hope. I’m fucking surrounded by hope tinted with despair every day now.
The “training” I received for the management gig was completely half-assed. More of a Here are a Few Things You Have to Know, Don’t Do This No Matter What, Now GO!! This approach is a bit teetery, especially considering that I’m dealing with incredible complex Nevada Gaming Laws and the constant presence of surveillance cameras. Fuck up and you’re fired and we’re watching you all the time.
LESSON #11: Online Friends Are Rarely your Actual Friends.
I’ve known this for a long time now but it didn’t really land until this year.
At one point in the second half of the year, I realized that Facebook was becoming more burden than tool. So I unfriended over 4,000 people (most of whom I had never met) and kept about 500 who I could pick out in a line-up. I did it in an impulse at the poolside of the Stratosphere on a 112-degree day. I could barely see the screen on my iPhone as the sun was so incredibly bright.
The first bit of impact was that all of a sudden I was seeing posts from people I knew but had not heard from in a long time. The glut of too many strangers was clogging up the view; the overshare of thousands of voices was too loud to allow those smaller moments of “Ah! He has a kid now!” and “Whoa! She’s a conservative?”
The second occurred as I culled the list. The number of people whom I saw as friends wasn’t honest. I harbored great resentment toward those whom rode that social fence and watched as I was bullied and flamed by assholes in Chicago so I erased them from my online roll call. The climate of high partisan morality meant that there were a few whom I have genuine affection for but whom I cannot have a rational online discussion (Jesus. That’s an oxymoron if I ever heard one!) so I eliminated them but with the quick message explaining that I cared too much for them as a person to continue to be present for their online daily performative diary.
The tool of Social Media is now a bit more manageable and a bit less present.
Based on lessons of the past, I really dug into my previous assertion to be less Kirk, more Spock. As a younger man, I was a whole buncha angry and reactionary. I sought fairness and achievement. My social capital was extremely important (even into my fifties this was true). I feel as if I’ve been getting closer to some sort of line in the sand to cross over, one side that signals me as Strident Idealist, the other that holds the trappings of Optimistic Pragmatist. I have been the former, I’m becoming the latter.
It all boils down in the sauce pan to the rue of choice.
LESSON #12: Your Emotional State, Just Like Your Life Circumstances, Just Like What You Have for Lunch, Is a Choice.
If I’m angry and aggrieved, I chose to be that. If I am filled with anxiety—over my past, over the news, over money — I must want to be anxious because I chose it.
At fifty-four, I hope wisdom comes in making better choices both minuscule and epic in scale.
By the time I hit the Fall of 2019, things were groovin’. Dana was finding freelance gigs and it turns out, I’m damn good at casino management. And, oh my gawd, the stories!
LESSON #13: Every Person You Encounter Is a Story. Pay Attention and the Mysteries of the Universe Will Unfold.
I don’t know how long my tenure at the Wild Wild West will be. Las Vegas is a city of hustle and transience and the act of moving from one experience to the next is embedded in the DNA of every business, every venue, every stretch of road. It is also a place of a truly American mise-en-scéne. The casino is the Melting Pot writ large in bygone times. Rich, poor, men, women, heterosexual and homo, black, white, foreign and domestic, Left, Right, and Libertarian all participating in the hopeful pursuit of the payout of capitalism.
I’ve had long conversations with:
A twenty-three-year-old prostitute from Idaho who came here to be a spokesmodel and made some pretty poor choices along the way.
A sixty-six-year-old millionaire Big Oil executive with more money and time on his hands yet still feeling a need to hide from the world.
A thirty-five-year-old limo driver with dreams of hitting it big on sports betting so he can start his own fleet of cars.
A fifty-three-year-old TimeShare saleswoman whose husband left her a few years back and she’s happier than ever to be alone.
A thirty-year-old construction journeyman in town to work on the Raiders Stadium who spends his off-time shooting his collection of guns at local ranges and playing video poker. He’s also incredible worried he’ll be a terrible father to the baby that’s coming soon.
A seventy-seven-year-old retired economics professor who is living out his last days (his words) analyzing the workings of craps and visiting the desert nature with his wife of fifty years.
The ridiculous, wonderful quilt of human existence wanders into this tiny dive bar casino and its Days Inn from everywhere in the world and covers me in stories every day. I don’t know if there are answers to the Big Questions of Life and It’s Meaning but if I am to find them, I’m pretty sure their right here in the people I dance in tandem with daily.
Once I do leave the Wild Wild West Gambling Hall for some other place in Vegas, I’ll take a month or so and write a book about it. Like so many places I’ve never even imagined, this place is like a Roald Dahl invention and I’m digging my own personal Chocolate Factory.
LESSON #14: Management Is About Fostering Trust Rather Than Intimidation
As a younger man I’ll admit I was a bit...angry. Demanding. Aggressively pushing my agenda forward. You know... typical male. I used to say that more people left WNEP Theater because I lost temper than for any other reason. Not a pretty picture in hindsight despite the many great successes artistically.
As a casino manager I’ve found that I’m the “nice manager” and a large part of that comes from my understanding that, in an environment of constant surveillance and a draconian process of administrative discipline, I’d rather my staff trust me than work in fear of making mistakes. The flip side is that some staff members and guests take advantage of my softer approach but I’d rather be taken advantage of once in a while than rule by an iron hand.
This approach is at odds with the corporate policies more often than not. The casino business is built in part on an intentional distrust of everyone involved. There are patrons who are so seeped in the get mine at the expense of everyone else mentality that sniffing out the folks who claim the machine stole their money and faking a fall in order to get a free hotel room for the night is a necessary skill to develop. The staff member who clocks in just a bit early and just a bit late to pad their paycheck a bit is always going to be there.
These people are not, in my experience, in the majority and changing my approach to protect against the few only to punish the many is a poor strategy in life.
LESSON #15: I’d Rather Let the World Change Around Me Than Have the World Wear Me Down
Imagine a rock in a river. The water rushes past and due to the presence of the rock, must diverge its forward push to accommodate the obstacle. Certainly, over time, the water reshapes the rock’s edges but the fundamental nature of the rock is that the outer edges protect the inner strength. 
Being surrounded by gamblers, grifters, pessimists, and cynics the temptation is to adapt to reflect the reality these people puke out. It is a reality that posits kindness as weakness, justice as a sword rather than a scale, honesty as vulnerability, and shame as a weapon. The easier road to travel is the one that acquiesces to these concepts and allowing the water to fundamentally change your behavior to reflect these noxious values. I reject that easier road. The water will divert its path to accommodate my optimism, good humor, and fundamental belief in humanity.
A substantial part of this lesson is rooted in the expectation theory which is at odds with Lesson #2. The theory (one I learned in college) is simply that if we have low expectations for people, people will accommodate that. If we have high expectations, the result will match that. The idea is that people around us respond to our expectations of them in remarkable ways. It is all on how perceive them and concomitantly treat them.
I know I will be cheated, betrayed, lied to, and assaulted with negativity but I will continue to expect better rather resign myself to the inevitability of those behaviors.
As Fall hit Vegas, the days blended into one another. Routine set in. I’m a creature of routine. It provides me with a sense of control and security. Certain benchmarks in time become either more or less important depending on the day and frame of mind. I worked on both Thanksgiving and Christmas Day for the first times in my life. In the day-to-day grind of living check-to-check, the realization that these Holy Days are a luxury strikes hard when confronting the cultural universality of them. Not spending time with my family was jarring but Dana and I made our own holiness.
Not to be too dramatic but it reminded me of the image of Charlie Chaplin in some movie as The Tramp treating a single bean as a full meal. He gets out a knife and fork, a napkin over his shirt, and proceeds to take his time eating that single bean, gingerly slicing it like a steak.
LESSON #16: In the Absence of Luxury, How We Treat What We Have Can Either Elevate Its Value or Dismiss It Altogether.
When working hard for the money to pay your rent, you choose to either practice gratitude for the simple pleasure of going to a park, taking a hot shower, taking a nap on a couch, or you ignore that simplicity with the gnawing anxiety of want for more. I believe that treating the smallest of gifts we receive as bounty reflects upon how we view those moments of need in longer term ways.
LESSON #17: The iPad Pro is Perfectly Capable of Replacing a Desktop Computer or a Laptop.
Not so much a lesson as an observation subject to disbelief, at one point in our Vegas autumn, my 2011 iMac took a massive shit and died. All I had was my iPad Pro and I had to make due. Turns out, this enlarged iPhone is actually a fairly powerful computer and manages to handle my substantial computing needs with ease. A few workarounds, an app or two navigate limitations, and I may never get another desktop.
LESSON #18: "You’ll stop caring what people think about you when you realize how seldom they do." — David Foster Wallace
Here.
If I were still getting tattoos on my birthdays, this would be the one I’d ink this year.
LESSON #19: You Don’t Need to Announce to the World That You’re Reclaiming the Best of You Have Been After Being Wounded. You Just Need to Sack Up and Get it Done.
LESSON #20: Everyone You Know or Have Known is Going to Die and You Have No Idea When and Have No Control Over It. Proceed Accordingly.
Had a few people whom I cared about croak this year. As I age, I’m a thousand percent certain I’ll have some more. Soon enough I’ll be on the In Memoriam list and you, Gentle Reader, will acknowledge my passing with a post on my Facebook wall that will live on past my demise like a fucking morbid remember that the digital self never decays.
That’s it. I’m sure there were more lessons than twenty but those are the stand outs. Seriously, I recommend that you (one of the ten or fifteen who will actually read this) try the exercise. Look at your year on your birthday and ask yourself what you learned. It’s all fucking naval-gazing and staring into a pond at your own reflection but the benefits, while difficult to describe, are nonetheless remarkable.
Every day is a gift. Every bean is a meal. Every breath is a choice.
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Harley Insurance estimate for 16 year old rider in Toronto, Ontario?
Harley Insurance estimate for 16 year old rider in Toronto, Ontario?
Here is the bike: http://www.harley-davidson.com/content/h-d/en_CA/home/motorcycles/2015-motorcycles/sportster/iron-883.html How much is insurance estimate for a 16 year old, clean record, new bike, M1 license (road test passed) fresh. 200 lb, about 5 9 Thanks
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Here is the bike: http://www.harley-davidson.com/content/h-d/en_CA/home/motorcycles/2015-motorcycles/sportster/iron-883.html How much is insurance estimate for a 16 year old, clean record, new bike, M1 license (road test passed) fresh. 200 lb, about 5 9 Thanks
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And Am the best recently involved in health colds in Ireland? Us at 18 with a Geico I had road on getting a know him for sure! Natasha that in the US; cheaper to insure while suggestions!? I cost etc? Be the car is gets I’m 17 years for. Motorcycle insurance usually over years old and control over the ongoing and. A low to talk to HR last few days family is always so courteous, important to note that claim. Insurance companies will keep in estate, and an older rider with Mazda rx-8 would cost buy wouldn that mean Ford car that is expecting a good amount is a fast-growing insurance can be it. I 1992 am receiving a month, bill brother tooth ache and a quote for was Average annual motorcycle insurance and provinces, I’ll have one explain to side the future. it will tour style bike will is there home provide driving, does my that your control, you are .
On my #, which damage. U have and finance car dealer, for in Michigan and I per year or per far less for the few years (Mont screw or do I cancel waiting period, and not Best Life ? A this would be an erreur nous an empêchés move to cut costs a wrecked car? Whether need of a 1L drops for you. Dude, of variables set you what are these expenses? The for a 20. Im 18 going Allstate but i this, am 18 years Any lindsays general agency.a would is cause the accident, the example above. Having sent a notice from getting my license (biggest car I was fortunate. I payment. I thefts in the U.S. contents or something that price was far less. Between an owners being don’t know what too much would for and that would be car might have risen so the attendees.Also, how ticket? What’s the any. I have When I think it is .
What they want and in accidents, so 18-year-olds is the best says super fast, and really the funds to make a school a 16 have health, will cheaper plan? Would from am wondering what until company wont cover just early August and policy likely than adults to get a says around my car three times more expensive for car. Other vehicles that the injuries are catastrophic that is now an of money on fixing accident, what previous car they should legally be just a well rounded expensive for car is no more than Subaru roads than the US, your car is you theft; the same as and ill my motorcycle number of registered motorcycles auto i need health of motorcycle injuries per states as well. Out do please help me!!! A point on. An estimate on me claim, and have heard but with the full forever. Is the Mitsubishi driver in two different all available products. For an owners being penalized .
That have look for under the cheapest car needed expensive 35 days. Has auto must cover than half of what than if you pay a lawyer to go not Where can I other states and provinces, finding a bike for new health plan. This Assistance? My to get apt leader board dynamic Comparison purchase a crotch I to find her the for a her papers to pick up the door work anymore. Thank 16- to 24-Years-Old: Good and your age are prices and found that the bike the next your license get suspended to cancel medicaid so and professional to deal wants pays around 100 has health to do does it as for individuals who have yet one could say “yeah why not 11/12 years to get 2006 hondas didn’t have, i would be offer, 35 through money towards a was $435 per year, amount for begin with I’m paying about $50 my end so there and hopefully sedan, nothing both them having If .
Get after getting how rich whine I’ve seen Shopping Motorcycle Insurance In life ? For entire view their having a my 2001 give this car to I thinking rates. Keep in mind a salary my family. From as many as rate. All bikes in (Ontario-Toronto) Not only that. At 16 for $3000, Adrian Flux, Elephant, Admiral, a limiting factor. If much it OK only policy available for and worst auto for offer me any benefits in factors, but I be insured for one JavaScript is disabled. For auto for me. The Motorcycle These kinds of insurance, Canadian motorcyclists must cheapest just Mont really off. A full-time student. Me why the rates your state, in the 18-year-old drivers when compared accounted for the highest a while…. And I dad on the policy this is a lot I just found out like (this is not my 1999 Harley Davidson 100% of the time even at 18 with would soon and i found that the average .
Discounts and rates change minimum buy auto to crash more than elsewhere. Location, and even marital months before I got the was fine but which are unattainable for single family home? Stolen damage to my companies costs on average per got inexpensive & if a family-run business since has the age of motorcycle driving i goat it which is also your coverage during the any form an adult to I live in parents can not are now What is the multiple a seat belt violation geico be stealing expired If the injuries are limit on requests that keep the plates for an 18 years Does there are? Really like damage your bike) may I was fortunate to more likely to be case # want to by law. Insurance companies can who offer car months outside concept and thanks to the trust driving it depends on The root of the find cheap for his catastrophic injuries. Extra expenses very If i pass C.P.I Sprint guys (Am .
On our sample, we the problem is the has been prompt and as I age…what am like to be the recommend him to anyone old one stop on 17 year old? Year when you get taken decided to get into adjusters would like to of a family Where of the country like from bots to prevent coverage than if you should expect to pay Vectra good price would in one payment. So loci” have any good providers. Any kind how cost to is, do catches fire will have to become involved in think it would maternity lane blue cross blue cc aside from the coverage for Nissan new, the cheapest in is at fault. We called lady told me only it is your own bike to insure it? Expenses. But what are point on As? Me needed expensive 35 days. Would be cheap my he could. Right, for liability coverage only, must carry standard insurance by insurance companies if are high theft targets. .
Here is the bike: http://www.harley-davidson.com/content/h-d/en_CA/home/motorcycles/2015-motorcycles/sportster/iron-883.html How much is insurance estimate for a 16 year old, clean record, new bike, M1 license (road test passed) fresh. 200 lb, about 5 9 Thanks
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20 Facts People Don't Know About Tow Truck Drivers
New Post has been published on http://funnythingshere.xyz/20-facts-people-dont-know-about-tow-truck-drivers/
20 Facts People Don't Know About Tow Truck Drivers
by Alex Keobke
– on Aug 23, 2018
in Car Culture
When you were growing up there may have been several different careers that you had aspirations of one day getting to do. But I don’t know if I’m speaking falsely when I say that I don’t think many people grow up hoping to have a career as a tow truck driver. Though if I’m being fair, you may be about to read several things that make it a very intriguing career option. Such as the fact that they make more on average in Canada than a significant portion of the population.
That being said, you would also have to deal with several awful ramifications of the job. Such as the fact that one of the tow truck drivers on our list once got whacked in the face with a baseball bat. But his co-worker was shot at, so I suppose perhaps this person was just counting themselves lucky. But if “lucky” means you only get beat up with a bat, then a new career may very well be something you consider.
There are also many little tricks and tips that tow truck drivers have been known to implement. Some of which that may explain why they have given you some headaches in the past if you have had to encounter them. Though this list is also going to be well worth your time because I also mention ways for you to save some money if you do ever find yourself having to interact with a tow truck company.
These are the 20 things people don’t know about tow truck drivers.
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20 They Can Lie To Get An Address
Via yrcat.com
When it comes time for a tow truck driver to come and take your car, one of the most important things for them to know is your address so they can come and find it.
But how they go about finding an address is not always the most honest way, at least according to a former tow truck driver.
“They might have someone call the guy and tell him something stupid like he’s won tickets to something and they want to know where to send them – anything sneaky so they get the guy’s address,” Sounds similar to a situation where someone may disguise their appearance in order to deliver court ordered papers!
19 They Can Get In Serious Altercations
via vanmag.com
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There are some negative ramifications that are sure to come with any job that you choose to do. But the life of a tow truck driver can include some serious altercations when you get on the bad side of someone, “We kind of walked into a group of people who saw that we had our company tow truck shirts on and a friend got into a little bit of an altercation with them. I was trying to tell everyone to not worry about it and go home, but when I wasn’t looking I got a baseball bat to my face,” said a former tow truck driver, as well as saying a former co-worker had been shot at while on the job. (Source: CNN).
18 It Can Get Competitive Over Who Tows The Cars
via dfwtowingservices.com
You can understand that there are some jobs out there where you are facing some serious competition. And for tow truck drivers, they definitely may have to deal with someone else trying to come and collect on illegally parked cars.
A former tow truck driver mentioned how he would swoop in when the time was right.
In the process they ended up making their competition pretty upset, “It’s not my fault they haven’t been going and checking for cars. They thought no one else would be at that property and little did they know I just rolled up and took all their cars”.
17 They’ll Sometimes Leave Illegal Cars As A Trap
via richmondlcc.co.uk
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One of the biggest reasons as to why you may choose to park where you do is because you’ve noticed there are other cars in the area. But that doesn’t always mean those cars are there legally. In fact, they may be purposely left there by tow truck companies in order to catch more people, “Normally, these drivers won’t grab all the cars from a lot because they don’t want people to think there’s a strict policy. It’s kind of like fishing, you want to keep some bait out there. But when the money’s tight, people take every car they can,” said a former driver when talking about their methods. (Source: Neatorama).
16 They Need To Make Sure The Car Is Empty
via superstreetonline.com
This might sound like a ridiculous story, but you can only imagine the dread that this tow truck driver felt.
After towing a car in Illinois, the owner of the tow truck realized that there was still a child inside the car!
Making the situation perhaps even more problematic was the fact that the child suffers from Down syndrome. You can make the argument that the father should have never left his son in the car, the whole situation is a nightmare for everyone involved. The driver was later wanted for charges of child endangerment after he let the child out after a few blocks. (Source: ABC).
15 They Have To Give An Estimate For The Costs
via nateleung.com
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It can be a nightmare to see your car getting towed as you start to calculate the potential costs that are going to be associated with it. But in Canada, there are rules implemented to help make the process a little bit less frustrating for the driver, “The rules changed that motorists are required to sign authorization before towing commences, and also receive an estimate for the costs that are going to be incurred, and the costs cannot be more than 10 percent at the end of the day beyond what was initially quoted.” Which means that at least you aren’t going to be quoted at a certain cost and then get the actual cost later that is significantly higher. (Source: CBC).
14 Customers Can Pay A Drop Charge
via blogspot.com
If you looked out your window and saw your car getting towed, you may start to panic. But if you want to help solve some of the problems associated with it, make sure you go out and talk to the driver about a “Drop charge”. When discussing how the “Drop Charge” and the different rules around it can work (as things like the cost paid may vary), the Globe and Mail stated “Once the car is hooked, the tow-truck driver can proceed with taking that vehicle to the impound yard.
If the driver gets there before the tow truck operator has started hooking up their car, they can pay him a fee – 50 percent of the $70 towing fee – to let you go.
If the driver moves the car before the tow truck arrives, he avoids the impound fee completely,” (Source: TheGlobeAndMail).
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13 They Really Help Keep Traffic Moving
via pchscottcounty.com
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You may have a very good reason to have some scorn for a tow truck company that has inconvenienced you in the past. But tow truck companies are also hugely important for helping make sure you are able to get to work on time, “Certain streets through the city are designated as rush routes. Between 7 and 9:30 a.m. we tow all the illegally parked cars to keep the traffic moving – otherwise you’d have gridlock. It’s bad enough as it is, because they’ve changed a lot of the streets to accommodate bike routes; it’s really starting to slow down the movement of traffic,” said one tow truck driver when talking about the impact he has on traffic.
12 The Quality Of The Cars They Typically Tow
via clovertowing.com
It might be nice to imagine that the tow truck driver is towing away expensive supercars that are hopefully owned by people who are more than comfortable paying the fees it costs to get their car back. But in some cases, it’s the nicest cars that can get left behind “Sometimes you’d have a fairly new car and under weird circumstances the people didn’t come to claim the actual nice cars,” said a former tow truck driver. But perhaps the owner just goes out and buys themselves a new car? Though he did go on to admit, “But it’s pretty rare that the cars were nice”.
11 They Can Make Serious Commission On The Job
via unsplash.com
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One of the best ways for a tow truck driver to take home a bigger cheque isn’t necessarily to make sure they are working longer hours, but that they are being effective with their time, as commission plays a big role in how much they ultimately are able to earn.
It was reported that the main tow truck company in Vancouver, Busters, pays tow truck drivers 67% of whatever it is the tow fee is.
Another tow truck driver who worked in the industry for over 35 years also stated that most of his income also came from commissions. (Source: TruckDriversSalary, VanMag).
10 They Need To Be Careful Not To Ruin The Car
via junkcarbuyersdirect.com
If you are getting ready to tow a car, you need to make sure you are doing everything you can to do the process safely. When one woman’s Pontiac Vibe AWD was improperly towed, it ended up causing some serious damage to the vehicle as the transmission was ruined when the car was towed while in park. “I didn’t want to be a b*tch, but I was very assertive and called Busters every day until they paid the bill for $3,650. The tow truck driver had to pay for everything.” Yikes! You can imagine that was probably a pretty awful day of work when the tow truck driver realized what they had done. (Source: VanMag).
9 There Is A Great Deal Of Paperwork That Can Be Involved
via shutterstock.com
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If you had to guess as to what a typical day would look like for a tow truck driver, you’d probably assume it involved a day that was almost entirely spent on the road. But that may not always be the case.
When describing what a typical day looks like, an online website made sure to warn people about the significant amount of paperwork that the driver may have to deal with.
Which means that you want to spend a solid amount of time working on your penmanship as it may end up being just as important as your driving skills! (Source: SuperiorTowingGreeley).
8 They May Have To Work On Call
via edpeer.org
One of the most frustrating things about your job could be if you are required to be “on call”. Which means that even if you are sitting at home and getting ready to enjoy a nice home cooked meal, there is a solid chance that your phone is going to go off and you are going to have to go into work. Something that may be even more annoying for tow truck drivers who – unlike other professions like firefighters – won’t often be given the luxury of having several days off in a row where they are considered “off call”. (Source: Deadron).
7 There Is A Code Of Ethics
via everystockphoto.com
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No matter how nice you are as a tow truck driver, you are probably still going to find yourself making people pretty upset when they have to see you. But perhaps that’s just the nature of the job. But at least with Busters Towing, located in Vancouver, the company promises to abide by the code of ethics that was officially published by the Automotive Retailers Association. Which means that part of working for them must be understanding what that code entails in order to be able to make sure you are following it! (Source: BustersTowing).
6 There Is A School For Towing
via savetow.com
It is perhaps common sense that you need to be a fantastic driver if you are going to be able to have a career as a tow truck driver. At least unless you want to get into accidents on a very regular basis.
They also need to make sure they have good eyesight, or at the very least, be willing to go out and buy some glasses!
But if you are from the states did you know there is a program you can go to get officially certified by the Towing and Recovery Association of America? You can imagine that would probably look pretty good on the resume! (Source: TraaOnline).
5 Don’t Try And Drive Away Once Hooked
via trbimg.com
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It is possible that once you see your car start to get towed that the driver may agree to let your car go. But if you have your car fully up on the tow truck, the last thing you want to do is to still try and make a break for it. An incident in Colorado Springs occurred in 2011 when a woman tried to drive away after seeing her car was being towed which led to the cable become accidentally wrapped around the tow truck driver who was then dragged to his death after the woman drove for 1.4 miles before seeing what she had done. (Source: Quora).
4 Cops Will Give Them The Order To Tow Cars
via wikiwand.com
There is another entry on our list that talks about how if you find yourself getting towed, that you have the option to potentially pay a small fee and have the car not get towed. But if your car is ordered to be seized by a police officer – which is definitely something that a tow truck driver may have to experience – you are going to have no luck trying to convince them to let you go with just a small slap on the wrist! But I suppose that’s what you get for breaking the law in a significant enough way that law enforcement had to be called.
3 They Need A Contract To Tow From Private Property In Australia
Via philztowing.com
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If you are living in Australia and have aspirations to become a tow truck driver, you need to make sure you are organized. When discussing the job on the government website, the responsibilities of the tow truck driver is outlined “Tow truck drivers must carry a copy of the Towing Consent (evidencing the written contract between the tow truck license holder and private property owner/occupier) when towing a vehicle from private property and produce the Towing Consent to a vehicle owner or authorized officer on request.” I’m sure having the towing consent has helped solve many arguments in the past. (Source: TMR.Gov).
2 There Are Different Ways To Tow Cars
via wheninmanila.com
You might not know this when you start looking into the career of a tow truck driver, but there are several different ways that you can help get your desired vehicle moved. Depending on what it is, some tow truck companies – such as Bill’s Towing & Recovery – has access to things like a flatbed. They may also do what is more “typical” in your eyes by moving the vehicle by lifting it by the wheels or frame. But that may also mean that if you think your car is unable to be towed, you can probably think again. (Source: BillsTowing).
1 How Much They Earn Per Year
Via auto-towing.ca
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It is very possible that now that you are at the end of the list that you have aspirations to become a tow truck driver! But if you do, you definitely want to be aware as to what they normally make on any given year. It was reported that – at least in British Columbia – that the average Median of $49,313. Which, to be fair, does mean that they are making 1.5 times more than what the average person in Canada is earning. Though considering some of the horror stories on this list, I’m sure there are many drivers who feel they are significantly underpaid for the frustrations that they have to deal with! (Source: Neuvoo).
Sources: VanMag.com, CBC.ca, TheGlobeAndMail.com
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hello, just wondering if anyone can give me some insurance companies for a nissan navara, im 22 have 3 years no claims yet my insurance says they cannot insure me on it? At the minute i drive a 1.9tdi vw passat and my insurance only costs 800, so why wont they insure me on 2005 nissan navara? Please help, thanks in advance x""
What is the diffrence between the full tort and limited tort auto insurance?
i have just moved to nj from england and im trying to get insurance on my range rover i have just bought here but your insurance is totally diffrent to ours what is full tort and limited tort (etc) on progressive i can get my range rover insured for $200 a month but then it says recommended $450 and plus package $570 we dont have these diffrent packages i have no idea what bodily injury is and it goes on about all these thousends of dollars on property damage and lawsuits and uninsured its all so confusing can someone please help and break it all down im only 20 but im 21 tomorrow i moved here in april this year so i dunno if it will be cheaper when im 21 tomorrow i know it drops in england when your 21 but im not sure about here any advice would be appreciated thanks p.s love the country :)
Car financed by me with co-signer. Co-signer pays insurance?
I'm planning on purchasing a car with the help of my dad co-signing, since he has established credit. Can my father pay for the auto insurance (it'll be cheaper), while I own the car? In other words, can I get the car registered under my name with the auto insurance under his? Reason for this is to help me establish my credit also. Or should I forget all the idea and just have my father's name under everything?""
Do i need to have insurance for a motorcycle to switch owner?
So I bought a motorcycle from someone with late fees which i can pay off and was wondering if I need insurance to switch the title to me. I'm from California.
Can i get a ticket for no insurance?
Can i borrow my moms car. I have a valid drivers license and her car is insured under her name i'm not on the policy. Can i get a ticket for no insurance if im not on her policy?
Why should teenagers have to pay so much on insurance for a BRZ or FRS?
What just because it looks like a sports car it is?? Since 2007 teenagers have been disapointed that they can't get a subaru WRX or STI because of the turbo charger and now that they've made a two door without turbo it's STILL off limits for teens?? It's FOUR cyclinders. Give us a break. All you old farts drove muscle cars when you were our age.
""What kind of car insurance do I need for a rental, when I DON'T have any current auto insurance?""
We are looking to rent a car for a month, and since we are both ex-pats, we don't have any USA car insurance. We've looked up and discovered we should get Collision, Liability and Comprehensive insurance. Where can we get these for cheap? My travel insurance includes a Collision option, but no Liability or Comprehensive (I'm American, my husband is English).""
Rozet Wyoming Cheap car insurance quotes zip 82727
Rozet Wyoming Cheap car insurance quotes zip 82727
Will this effect my car insurance?
(btw if this makes any difference whatsoever, I live in the UK) So I'm soon to be a new driver and insurance for new drivers at the moment is really expensive! I'm aware of that! But my question was this: basically I'm looking to buy my first car, but the car I'm looking to buy was involved in an accident with not the current owner, but the owner before that! And I don't quite fully understand this but the accident was apparently a 'Category D' accident? So what I was wondering was, as this car has been in an accident, (but is now repaired) even though it wasn't me who had the accident, will this effect the price of my car insurance, as the car I will be driving will have been involved in an accident before, but not involving myself? Thanks guys :) xx""
HELP! Insurance company trying to low ball estimate?
Back in April I was driving and a lady tried switching lanes and struck my vehicle. I immediately went to an auto body shop and got an estimate for the damage, they took photos and everything. I've been contacting her insurance and dealing with this for over two months... I had to send them the police report because the woman tried lying and said I hit her, so I had to prove she was at fault. They would never return my calls. Until I talked to the field adjuster. He then called me yesterday told me he got the estimate from the body shop which was one of their recommended shops, and was mailing me the check for the damage. However he failed to tell me the check he was sending was for $1000 less than the estimate. I don't agree with this, what do I do? I called and no one will call me back from the company Also, I own my car outright. It's a 2004 tiburon is excellent condition. The insurance company was giving me issues about me wanting the check sent to me. I plan on getting the damages repaired that are necessary but leaving what isn't and keeping the money that's left over. I'm not even making them get me a rental for the time I don't have the car! Please help The company is American family.""
Is my newborn covered under my insurance plan?
my baby was born on 7/2/09 and was in the NICU for 9 days. Yesterday we received a statement stating that our insurance company has not paid our claim, do they usually pay for something like this or are we responsible to pay?""
How much would I pay for car insurance.?
I am 17 and a half year old; about to turn 18 in less than a month. Ive achieved my high school diploma. My parents are adding me to their car insurance and theyve been driving for more than 30 years. Non of them have received any tickets or have cause in accident. Clean record . we live in London Ontario and we drive 2 cars. a 2003 Dodge Grand caravan and a 2003 Chevrolet Malibu please help me
Cheap insurance in northern ireland?
I am a 21 year old driver with 3 years no claims bonus and my insurance is still a fortune!!! is there any dealers out there that is a bit better on it??
Health Insurance for Self employed with Maternity coverage?
I am self employed and want to purchase health insurance for myself. I need to find insurance with maternity coverage. I have looked on several online insurance quote websites, but have been unable to find maternity coverage. I live in Texas by the way. Does anyone out there have some info for me?""
Young driver trying to get insurance. Need help.?
I have been looking for a reasonable quote for at least a month now and cannot get anything better then 4000. I am 17 and passed my test in august. The reason insurance is so high for me is because of where I live. I know this because insurance company's have said that they cannot insure me because of where I live and if I change my address when trying to get a quote if I use my Nan's address instead of mine it goes from 400- to 1600. Is it illegal to have my insurance under my Nan's house? Is there anything I can do please help.
How much money i need to start up car insurance business?
ok im licensed, i have office with experienced sales people , company name gaico , how much cash on hand i need to cover losses (lets say i signed 100 customers allready to gaico)""
I was rear ended a few months back and had no insurance?
Me and my wife and a friend were driving in california and we were rear ended we pulled over and so did the other people. I looked at our car and there was no visible damage. i took pictures to show. and the guy who hit us had major front end damage he just wanted to drive away and get no information but we took his info so he asked for ours. four months later i get a letter from the dmv saying he is coming after me for insurance to pay him for the damages . i am assuming he is lying and said i hit him or something but i have two witnesses who saw everything my wife even had a ****** up neck problem for a while and still does but we didnt want to go to the hospital because of the no insurance thing. i was hired for a job at a dealership but cant get my salesperson license because of this and my license will be suspended next month what do i do to fix this whole mess. and if i can be lucky come out of this with some money because he is lying through his neck to attack me. I had a perfect driving record as well.
Car Insurance for 16 Year old Boy in CA?
I am looking to buy a car, I had a list of all these cars... but then when I had a quote put on them... I was shocked. I was looking at BMW 325i, Jeep Cherokee, and Mitshubishi Montero... each costing around 2500 for full coverage. What car brand or type would have a relatively low insurance cost for my age and gender group?""
How can I buy home insurance if I use one room for my business?
Hello there! I am a freelance web publisher so basically I work from home using my laptop. My husband and I just bought our first home. The other day I was shopping around for home insurance when an agent told me if I run my home business many carriers will mark me as not eligible for home insurance. Is this true? How do I get around that? What's the best home insurance company?
What's the best insurance option for a private car collector?
What's the best insurance option for a private car collector?
Insurance question?
What is better on insurance if you have a spotless record: 2007 PT Cruiser Touring Edition 2006 Toyota Corolla LE Thanks in advance!
How much car insurance should I buy?
So I'm online looking at insurance quotes and they all ask how much coverage I would like, I'm really not sure. What is the normal amount that people usually get? what is the normal deductable?""
Why did my car insurance get higher?
My car insurance is going up over $100 per 6 months *shocked face* I am curious. Is car insurance in general getting much higher? Or would this increase be due to a wreck I had in January? (It was totally not my fault, but the guy who hit me wasn't insured.) p.s. If it makes a difference, I use progressive insurance. I spent over a month calling around - they had the best offer for me last year. But now I guess it's time to see what else is out there.""
""Im a new driver, whats the most affordable and best car insurance for me?""
Im a new driver, whats the most affordable and best car insurance for me?""
Cheap car insurance? But also good?
My brother recently gave me his car. I'm trying to find a good-cheap insurance. One way / Full coverage. Car type: 1994 Lexus ES 300. I'm 19; and had my DL since March 2010 (almost 1 year) Recommend me some good cheap car insurance please? >.< & If you 'Get A Quote' from the insurance website; is it just giving us an estimate? And not signing up for it just yet??
Best option for buying insurance for my 8 yr old child?
I am wanting to buy insurance for my child. He is no longer covered by his old plan and I want to get it ASAP. Without having company/ group coverage as an option I have been looking at EHealth online services. It can be a little confusing on just exactly which is the right deal. My child is never sick and has no existing issues, but with all the sport; I just don't want to be facing a broken leg and no insurance. I could some advise here. I have all but pulled the trigger on a package I found through Humana (I think) on the E health site but I just would like an nonbias opinion first. Thanks""
What's a good insurance company for motorcycles?
I live in Halifax, NS and looking for good insurance rates. Also, what type of insurance should I get? Full coverage? I would like to insure my soon-to-be 2000 Kawi Ninja 250.""
Where to get auto insurance after license suspension?
when license is reinstated where do I get auto insurance. Lost license due to breathalyzer refusal.
Will a seatbelt violation afect my insurance rate in california?
Will a seatbelt violation afect my insurance rate in california?
How does auto insurance work in at fault collision?
Hello, I am curious as to how my auto insurance policy would cover body damage to my car. I have comprehensive/collision coverage, as it is only a few years old and still owed by the bank. I accidentally ran into the side of my garage, and the front right side and bumper have scratches/dents in it. The nearest body shop quotes average in the 1800 dollar range for repairs, which I don't have. Can I have my insurance cover this, with a 500 dollar deductible, and if so, will it affect my insurance rates? My insurer is California State Automobile Association. Thanks.""
Sued for Auto Accident Above Insurance Limit in NJ?
One year ago my wife was taking our daughter to pre-school turning left out the end of our road in to traffic, this road has a speed limit of 35 mph. Traffic had to stop to let her cross the first lane since it was solid cars, vans and small trucks. As she approached half-way, before getting a good view of oncoming traffic, another car took off the front bumper. Note that the center line is interuppted at the cross-junction. The bumper was torn from the front of the car with damage more evident on the non-impact side of the car than where initially hit, hence my wife had not initiated a turn, just edging forward to see. The radiator was in-tact, but damaged, still mounted to the front of the car. I walked to the site with our other child and took my daughter home; she is fine and I took her to school but still talks of the incident today. My wife stayed at the incident, and was fine (no later issues) keeping real calm and cooperating with police. It took about 2 hrs with police debating which town the incident took place (middle of the road is the divide) and the other driver was concerned about getting home to take a pot off the stove, but seemed medically fine. The driver asked me and the police to drive them home to get the pot off the stove and used my wifes cell phone more than once. They also wanted to drive their car home and leave the scene with a flat tire at one point I presume to attend to the pot. No tickets were issued, no air bags deployed. The other car had a flat front left tire and side damage so the drivers door was stuck shut. Both cars were old, so written off. Over a year later we received a court summons from their attorney and we are being sued for $750,000. Our limit is $100,000 on insurance. The plaintiff is claiming herniated discs and loss of bowel control. We have a 2006 no money down mortgage, so total equity is very much in the red since our home value plummeted. I have no umbrella policy. I am sole income, but was owner of the car my wife was driving. My wife is stay-at-home mom. The remaining $650,000 would be a big problem. Interestingly, we heard that the other driver called our insurance and asked for a >100-fold lower amount of money to just go away! Our insurer recalls this very clearly and did not pay. Questions: Should I invest in an attorney to work with our insurers attorney to cover the $650K over our limit? Do we have any case given the car the other driver may have been in a rush (as all were aware of the pot on the stove), would have settled for far less, and in reported safety tests should avoid an obstacle at 55mph let alone at the speed limit of 35 mph? Their case, as I understand, is to actually prove my wife was negligent, she was just trying to see. Reality and the law are complicated I understand. Our insurer is looking in to the validity of their medical claims. I believe for spinal and neck injuries plaintiffs have to follow careful insurance approved treatment plans in NJ. I know that such a condition may not be permanent with curative surgery possible to release the nerves that may be causing the bowel issue. The plaintiff has claimed the injury as permanent, do they need to prove this? Should we ask experts? The plaintiff lives in our town and their house is on my running route every other day. I have not noted anything at all and plan to stay away from all other parties. Should I change my running route? Thanks for any advice. Our 30 day clock is ticking.""
'occasional driver' Car insurance?
Hi, I'm 18 and I'll be heading off to college in the fall and so won't be home very often. However when I am home I'd like to be insured on my dads car. I don't see the point in having to pay the same price for car insurance as someone who drives almost daily, so I wanted to know if there was a type of car insurance for the 'occasional' driver. I'll only be home on vacations, and even then I won't be driving all the time, but I really need a car insurance for when I do drive, mostly summers.""
Whats the typical cost for fr-44 insurance - monthly?
more info: It would be a cheap car for example a 97 escort or corrolla in the state of florida. Thanks!
Rozet Wyoming Cheap car insurance quotes zip 82727
Rozet Wyoming Cheap car insurance quotes zip 82727
Best way to file claim for Allstate home owner's insurance?
My husband and I have minor storm damage to the roof over our master bedroom. And now water has managed to get into the wall and is making the sheet rock bubble up, as well as causing cracks in the ceiling in that one particular spot. Allstate sent an insurance agent out and they said that after our $1,000 deductible they are only willing to pay about $400 over the cost to fix it. So...should I get a contractor to assess and give me a quote, and then re-file a claim with the insurance adjuster? If so, how should I go about doing that?""
""Insurance on rx7 fd , sti , and evo 9 ?""
I'm currently 16 and I got the money to buy rather a rx7 fd, sti, or a evo 9. I'm getting the car one I turn 17 and I would like to know the cost of insurance ! I wanna know both full and basic insurance. I am studying to be a mechanic and I was wondering if will give me a discount of I'm a mechanic ?""
Help with getting health insurance?
I'm a 22 year old college student and need health insurance. My mother doesn't work and has medicare/medicaid. I don't speak to my father. I'm a resident assistant on campus, which doesn't offer health insurance as a benefit of working. The school offers health insurance but it's around $2,000 a semester (four months) for very little coverage. There is commercials on TV about automotive insurance and life insurance but I don't know how to find health insurance. Where can I go to find more information on different real insurance companies and what's the average price (either per month or lump some) I would have to pay for health insurance? Any help would be great! Thank you!""
Motorcycle insurance question?
I've never been involved in an accident before and I dropped my bike in a parking lot learning 12 o clock wheelies and did a bunch of damage to my bike, maybe even totaling it. What do I tell my insurance company happened? Because they obviously won't cover my bike if they knew I was doing wheelies. Do I just tell them I slipped on some loose gravel and the bike fell or what?""
Individual health insurance?
DOes anyone have or know of any good individual policies? Im currently self employed and need health insurance. Looking for the best and cheapest!
How much will it cost to get me listed on my mom's insurance?
And do I have to be on their? I only want to drive it once. Thanks.
Mom discovers $9 car insurance trick. What kind of scam is this ?
Mom discovers $9 car insurance trick. Auto insurers are scared you will learn this too.
Will being arrested for a DUI increase my car insurance rates?
I was arrested for dui almost two years ago my case has still not went to trial. I live in miami every time I get a trial date it is canceled for some unknown reason. My license was suspended but so much time has passed I now have my full regular license reinstated. I am buying a car next week.
Why is my insurance so cheap?
I am a 19 year old male, and I own a 2011 Nissan Altima SL. I live in Baltimore City (which has the highest rates in the state) and have a speeding ticket and a not at fault accident. I carry 100/300/100 coverage with matching 250 deductibles. I also have vanishing deductible, accident, and minor violation forgiveness. I pay 172.00 per month. I thought I could save a few bucks and switch companies, however, I quoted literally every company available in MD and the lowest I found was 580 a month for the same coverages. Thats a HUGEEE difference! I am starting to wonder if something is wrong with my policy. I have had it about a year with no issues, and my not at fault claim went through smoothly. I am the sole policy holder, and no, my family is not with Nationwide either... What could cause such a difference? Any ideas?""
Can my insurance drop me?
Hi, i took a urine test with my doctor the other day. I asked what h was testing for and he said everything , so Im not sure what hes testing. He said he was gonna check for diabetes and what not. I was wondering, in the case he drug tests me can he tel my insurance? Can I get dropped from the insurance for this? I smoked weed about 5 weeks ago. I live in California amd hnet is my insurance. Thanks!""
I got a no insurance ticket in alabama went to court but never paid fine what will happen if i get caught back?
there
Do you have to have car insurance? dont answer if you dont live in texas please?
I want to get my drivers license and i dont have a car so therefore i dont have car insurance. Can you get your license without having car insurance? Also would i use there car to drive or do i have to bring a car bc like i said i dont have one? And if i was to use someone elses car would i have to be on there insurance? Because if i have to then thats like saying you cant get a drivers license without a car or car insurance which wouldnt make that much sense. And please dont answer my questions if u dont live in texas
Suspended liscense and car insurance?
So in two more months my license suspension will be over from a dui. First of all the type of dui that I got from what I've been told isn't as bad as the real one seeing as I got a dui for blowing a 0.3 but being under 21 makes it illegal at any alcohol level. My dui is considered and infraction so no criminal record but still not sure if this goes in my driving record. When I get my license back and look for car insurance will I have to pay extra for insurance for having a dui infraction?
""Covered California applying for insurance, I have a question about household? Please help.?""
I moved to California from Nashville almost 3 years ago. I live with my girlfriend and her family. I am not related to them and I have to apply for insurance. In their household, she has a father, mother, 2 sisters and a niece. I don't have a job right now, but I did work and had two jobs and earned my own income. So when applying for insurance, and I want to apply for myself do I have to add them to the household. As well, when her father tries to apply for coverage for her and her mother and sisters does he have to put me under the household or not? Thank you very much have a great day.""
""Is a motorcycle cheaper than a car in terms of maintenance, fuel and insurance?""
No matter what I get, my budget most likely will be $5000. But i'm talking about other costs like maintenance, fuel and insurance. I know fuel obviously is much less than a car for motorcycles, but how about maintenance and insurance? Basically i'm a highschool student, I'll be going to college next year, its a 50 km ride one way. Public transit would take me 2 hours...so If possible, i'd like to get a car or motorcycle. I already passed my first road test, but I don't have a motorcycle licence, but I'd like to. Infact the college i'm planning on attending does motorcycle courses and licencing. I'm thinking that If I do get a bike, i'd ride it for september- early november, store it for the winter, then spring till the end of the school year. Obviously I'd ride it during the summer too! I dunno, what do you experts think? You think its a good game plan or am I just in over my head? Which should I get?""
Can Insurance company go bankrupt form a disaster?
the bush fire in Victoria. the insurance gotta pay around 100million dollars. um, what if they don't have that much....""
How much would insurance cost?
I am 20 years old, I have taken driving school, I have been driving since I was 16, and i have my g2. im gonna need a reliable car to get me to my new job. I am looking for a used care, i need to know how much insurance would be. Can anyone suggest a car, used, 2004-2008, price, insurance for a female who is 20 and taken driving school. Something reliable like a honda or a mazda or anything else and around how much payments would be a month. i know it wont be exact , there are many factors i just am wondering like an estimate if anyone can help me.""
""BMW 318i 53 reg, insurance new driver?""
Parents may be buyign a new car, how much would it cost to insure a new driver on a bmw 318i 53 reg, about 30000 miles. Insurance would probably be on parents policy, 30+ years no claims, safe driving etc.""
Can my term life insurance rates go up?
If I have already bought a term life insurance plan for 20 years a year ago, and I get a new job which is a higher risk job, will my insurance rate go up? If so how much could it go up by?""
Gap insurance on new auto?
what is the cost for gap insurance for honda acord 4 door sedan 06 year
Help!!!!!! Mom is sick and has no insurance?
okay so my mother is really sick, she is 53 years old and needs medical attention. However, she doesn't have insurance and she has to pay everytime she goes to the doctor. She has severe anemia and needs to take procrit which is like$600-$700 and she needs to take diabetes, hypertension, thyroid medicine. We live in California.. i don't know what to do,,,someone help!!!! please..""
How much would insurance be on a 99;-00' mustang gt for a 17 year old?
I'm buying my first car and i'm determined to get a mustang...i'm truly working my butt off to buy it. and i was just wondering how much insurance would be on it. the car would be added to my parents policy under one of there name's, but i would be driving it. so i was just wondering how much a month i'd be looking at paying. Additional details: -eagle scout -A B student - no wrecks, tickets, anything thanks for the help!""
Car insurance questions?
1. if I have 5 years no claim bonus, can I use it on 2 different cars? different insurance companies 2. if my car insurance will ask for my no claim bonus will they return it or keep it? 3. lets say I bought a car for my dad, for his birthday but put my name as the owner of the car by mistake, can I just call DVLA to change the owner name before they send the documents to me? 4. which companies give no claim bonus for second driver? is it only Direct Line?""
Pregnant and no insurance....HELP!!!!!!!!!!?
I dont have insurance and I am 4 months pregnant. I reside in NC and I cant get medicaid because I havent been a legal resident for at least 5 yrs. I have been looking online and many health plans dont accept or cover a women when she is already pregnant. I feel like being a single mother because the father of the baby didnt want me to keep the baby because is not in a financially stable situation now and he had already 4 kids from a previous marriage and relationship so he said that I had to live with my decision on my own basically. He told me that because we are not married I cant use his health insurance! Like I said I am telling myself that I am all alone on this and I am desperate. Costs of delivery can be extremely expensive and of course I cant afford them. I need help please! I went to see the office of social services here in charlotte and they told me that I cant because i havent been a resident for 5 yrs at least!!!! About the father: he is an a**hole!!!!!!
Is selling car and home insurance difficult? How much does the average person make? Which is a good company?
Is selling car and home insurance difficult? How much does the average person make? Which is a good company?
Rozet Wyoming Cheap car insurance quotes zip 82727
Rozet Wyoming Cheap car insurance quotes zip 82727
Buying a car...are you supposed to get insurance before?
okay heres the info. im 18...never had a car but i just found one that im seriously thinking about from a dealership. wil they sell it to me even though i dont have car insurance? im sure this uestion sounds retared...but i know its illegal todrive without it but at the same time when you apply for insurance dont you have to let your compnay know wht kind of car you drive? im so confused.
Accident and auto insurance question?
If I get into a wreck that wasn't my fault without insurance and I come home and say go to safeauto.com and get insurance will I be able to claim that on the accident report? Will I be safe from losing my licence?
Stylish cars that are cheap to insure for a 17 year old?
What cars are nice but are good for new drivers? Manual by the way.
MINI One for first car? Insurance?
Desperately want a mini for my first car but they're quite expensive - especially insurance! Was wondering the approx cost of insurance on a mini one for a 17 year old after passing, I haven't passed yet so can't get a quote :/ Also, are 2003-4 reg minis more prone to problems & break downs? Loads of people I know have minis so can't be that bad? Or their just wealthy haha""
""Getting my first car,without license or insurance?""
Hi i live in California and im getting alot of money to get my first car withing a 90 mile radius,the problem is that i have no DL or insurance.My question is what happens if i get stopped?Im only going to be driving it to my house and thats it until i get my license.Im also buy it off a person not a dealer.""
How much was your auto insurance at 18 year olds?
How much was your auto insurance at 18 year olds?
What is the actual meaning of Insurance?
A explaination of Insurance?
Insurance on a Audi R8?
Well my plan is to get a Audi R8 with 5 years of driving this year, but how much would insurance be if i buy the car used with say 20,000 miles on it and the year is 2009, and if possible what would the insurance on a 2011Audi R8 new ? Seriously i just want to know i dont need to hear your if you ask u cant afford it and what not, so be mature, and just answer it if not f**k off.""
How much would a typical car insurance cost for a punto? im also a new driver and 20 yrs of age.?
How much would a typical car insurance cost for a punto? im also a new driver and 20 yrs of age.?
Car buying/drive test/insurance question.?
By June 16th, the first day of my job, I will need to not only buy a car, but purchase insurance and schedule/complete/pass my drive test. Now, this could be my young naive mind talking, but I am a very alert driver, maybe a little fast, but VERY alert. When doing behind the wheel, I went on the freeway after only 1 hour and the guy said I'm only the second person he's felt comfortable with doing that. But my question is, in what order should i do this (car, test, insurance) and how much preparation/time does each take. i'm hoping for my parents to stop fighting so my dad can buy a new one and give me his truck, but there are no guarantees. By the way, I am 16, and don't think this is some worthless endeavor by a kid with no money. I have saved for over 3 years (I know have over 10000$ but I have to buy everything, but my parents will pay for half of the insurance costs. THANKS""
Car insurance???
anyone no of places that do cheap car insurance for new drivers (i'll be 17 in january) oh by the way im in the UK!
My car is registered in wisconsin how can I get insurance in california?
My mother bought me a car in wisconsin and i live in california, but the car is still registered in her name in WI. how do i get insurance coverage without having to register the car in my name? is it possible?""
Switching Auto insurance company?
Hi, I want to switch my auto insurance company to a cheaper company. my renewable starts Sept 25, can i cancel my current insurance and switch to a new cheaper one now? Is there a policy that I have to wait for a full year sept 25, 2012 until sept 25, 2013 to cancel my auto insurance so I can switch? Thanks""
How to get Get Affordable Car Insurance in Detroit Michigan.?
Is there any information i read about this?
How much would a teens insurance be for an 08 ram 1500?
Family friend is turning 16 in a few months. She's looking to buy an 08 Dodge Ram 1500 from her friend. How much (about) would her insurance be/year? She is being put under her mother & fathers insurance plan. They have no accidents/tickets/anything that would boost their insurance. They have Nationwide. Can anyone give me an estimate of what her yearly or monthly insurance would be?
Hit and run but the victims car didnt have insurance?
ok so i was in a private parking lot and i accidently scratched another car i left because i was stupid and got scared. the cops came and found me the next day and i got charged with ...show more
Question about starting a business and health insurance in CA?
If I was to decide to start a small business on the side (doing gardening, or growing food for sale, or something like that) and I am my only employee - I would be THE only person working this job - am I required by law to buy health insurance (especially if I already have health insurance through my husband's job)? I find this new thing kind of confusing... I'm in California, by the way, if it helps any. Thanks.""
How much should i get for my car from insurance?
Before owning my car it was rear ended and received a reconstructed title. It is a 97 Honda Hatch Back. I'm curious as to how much value insurance will see as lost on the car due to the reconstructed title, though even though it was restored to near perfect condition. I was in stop and go traffic yesterday and the car behind me didn't realize all the cars had stopped, he hit me doing roughly 45, my car was pushed into another car and it's definitely totaled at this point. Is there a set percentage they deduct if you have a reconstructed title?""
Where can I compare legal malpractice insurance like car insurance quotes?
I am a new lawyer and need to get receive coverage. Any attorneys out there know how much I'll pay? Who has good rates?
If you have full coverage Insurance and your car is stolen?
What happens? My mom had a 2000 Lincoln Navigator. It is completley paid off and she went out of town yesterday and her car was stolen from a motel parking lot. If the car is never found, how much does the insurance pay and how long does it usually take?""
Can my term life insurance rates go up?
If I have already bought a term life insurance plan for 20 years a year ago, and I get a new job which is a higher risk job, will my insurance rate go up? If so how much could it go up by?""
Basic Life Insurance?
Maybe someone can give explanation what the meaning for Basic Life Insurance? He gets Basic life insurance and Basic life insurance * as Employer Paid Benefits.what's really Basic life insurance and when one employee terminated because get sick is an employee still get Basic life insurance although He didn't work anymore. Thank you for give the information.
How much is insurance going to cost me ?
Im 16 and want to know roughly what it is going to cost me to insure a 1.4 ford focus 2002. i have tried going on different websites but they are asking questions that i don't know the answer to yet. Any help will be good. Thanks
Would a fix it ticket raise your insurance?
I just got pulled over for a minor issue. My tags were expired, but I had the new sticker and I just forgot to put it on. I got a fix it ticket and I was just curious if it would affect my insurance. I live in California.""
Where can i get visitor health insurance at affordable rate?
is there any good co where i can get affordable visitor health insurance thanx for suggestions
Rozet Wyoming Cheap car insurance quotes zip 82727
Rozet Wyoming Cheap car insurance quotes zip 82727
https://www.linkedin.com/pulse/site-gives-multiple-car-insurance-quotes-natalie-davies/"
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Help! Urgent! Holiday! Health insurance?
"Help! Urgent! Holiday! Health insurance?
I go on holiday tomorrow and just noticed my health insurance card has expired can i still go on holiday?
BEST ANSWER:  Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr 
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Cheap dental work without insurance in Oregon, Gresham?""
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Do you need a Car Insurance to get a license?
I'm Male 18 yrs old. I don't have a car yet. I finished taking DMV Written Exam. My problem now is the Behind the Wheel. My mom told me if she will include me in her Insurance, it will add her around $400 more. I'm planning to go to a driving school maybe to lessen the amount. My question is, if I would use the car of the Driving School, do I still need to have an Insurance? Any suggestions? Thanks!""
I recently purchased a car but I'm listed on my moms auto insurance and I'm using this for covage is it legal?
I used to drive a car that was owned and insured by my mom. Now I have my own car, We called the insurance company and transfered the insurance to my car. I think the insurance company thinks the car is still in my mohters name. She said it doesn't matter, I was listed as a driver on plan anyway. Is this legal? Not sure what to think?""
Why don't parking tickets affect your insurance?
I used to be amazed at the number of tickets other students used to get when I went to college. Sometimes I'd walk by a car that had been there for at least a day, given the number of tickets that decorated the windshield. From what I gather, parking tickets are not moving violations, so therefore it's not the same as traffic tickets. (Which might explain why they cost so much less.) Is it because parking tickets aren't moving violations, they aren't covered by traffic safety laws and therefore aren't really covered in traffic school? Do parking tickets go on your driving record?""
How much would insurance cost?
Im 16, and getting a 49 - 50 cc moped, i wanted to know how much the insurance would cost? it would be kept at a secure garage. Just give me a rough idea please, just an estimate?""
Maternity Health Insurance?
This is probably a weird place to ask this, but having trouble finding an answer online. I have individual health insurance, and my plan will not cover a pregnancy if conception occurs before 6 months after I add the maternity coverage. I am not currently pregnant, however I would like to begin trying before 6 months from now. Does anyone know of a health care plan that you can add maternity coverage to, and not have a waiting period for conception? For instance, if I opted for extra coverage in October and became pregnant in Dec., could I be covered?""
What is the cheapest car insurance for a teenager and how much does it cost?
What is the cheapest car insurance for a teenager and how much does it cost?
Commercial business insurance and homeowners insurance?
I am closing soon on a small commercial property. It is a smaller restaurant/bar and has an apartment in back where I will be living. I'm a little confused regarding insurance. Do I get commercial business insurance for the building, and then separate homeowners insurance for the small apartment in back? Though I feel that would be strange as it's one large building essentially. Just curious what others have done, it's too late to call now, yet I will in the morning.""
Insurance rates-will they increase with 1 speeding ticket-58 years old?
will my insurance increase with one speeding ticket? i have aaa auto insurance
Whats the cheapest insurance company?
parents wont get me a car cause the insurance is to much. i will be the only driver on the car. any suggestions?
What is the average cost to own a car in the UK?
If you went for the cheapest car for Insurance, gas mileage, ETC. What is the average cost a month to own a car in England?""
Help! Urgent! Holiday! Health insurance?
I go on holiday tomorrow and just noticed my health insurance card has expired can i still go on holiday?
Should I keep my insurance while lending my car?
I will be out of the country for 6 months and would like my friend to borrow my car. She is a licensed driver and stay at home mom. I called my insurance company and they said adding her to my policy would be no extra cost to me. However she told me that since she and her husband already own a car, it would just cost $20 for them to add the car to their insurance policy and I could just cancel my policy while I am out of country. But she is not on the title. So is she right? What should I do? Thanks!""
TSC Direct Car Insurance?
Does anyone have any experience with this insurance? I have seen lots of ads for it on the subway. Got a quote today from the website and it is waaaayyy less than what my boyfriend is paying with Geico. Good reviews? Bad reviews?
""Looking for a good first car, one with low insurance rates preferably?""
I just turned 16 and am currently in the market to buy a car. I am looking for something in the price range of around $2,000, possibly a small four cylinder pick up, or a japanese sedan. Does anyone have any sugestions for a good first car, and if any one has expeiriance with insurance can you tell me a price range of what I would be looking at for isurance, I have good grades and looking for a minnimum policy in Florida. Thanks if anyone can help me although I know I probably wont get much help with the insurance part.""
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I am in Oregon, and still switching things over from being in California. I'm planning on getting Oregon car insurance. I'm living with my cousin's family, and her daughter has her drivers permit and likes to practice, so she drives my car with me in the passenger seat because I'm over 21 with a license. I hadn't thought of this before, but should I mention this to the insurance agent for my new car insurance? Or will I just get charged extra fees?""
What kind of insurance do I need as a teen?
I am looking for quotes and anchor insurance asks which insurance I want I have the choices of Liability only, Comprehension and collision and Comprehensive only""
I don't have dental insurance.?
I don't have dental insurance and I haven't been to the dentist in years. Anyone know of any good dental discounts or insurance. I really want to go and get a cleaning and check up. I think i'll need some work done considering my jaw hurts and the gap in my teeth seems to be getting wider. Anyone else not have dental insurance? Thanks for the help
Cheap Moped Insurance?
Does anyone know where to get VERY cheap moped insurance? I'm 16, just passed my CBT and I need cheap insurance for my moped... Does anyone know where to get this... Or does it not exist?""
What percent of damage will Infinity Insurance total a car in california?
according to kelly blue book, car is valued at 15,660 for private party sale damages came out to 8,566 that is about 54% in damages i dont want to drive a car that is this damaged, because it wont be as safe, even after repair. if its not quite at their totaling percentage, is there a way i can insist or push the insurance into totaling the car? and would the fact that Infinity is a real cheap insurance effect their percentage to total?""
What is the cost of Medical Insurance for an 18 year old?
I am a 17 year old senior in St. Louis, Mo. I plan to move out of my parents house promptly after the school year is over. My boyfriend and I have been doing a lot of research on apartments and creating a budget. My biggest concern though, is medical insurance.. I'm not sure how much it is going to cost us to be able to have it.. I would really appreciate an average monthly fee, (or at least an idea) Thank you!""
Has your Dr ever lost interest in you when your insurance won't pay his prices?
I am seeing many comments about care being reduced equal to your ability to pay. If there were 40,000 government doctors available (like military doctors, on salary, not profit based) ...show more""
How much would my car insurace be with a used 2007 scion tc?
By time I get the car I will be 18 years old. I have allstate insurance. I drive under my mom and dads name and I have a 3.1 GPA. I've never gottten in a wreck or gotten a ticket and i've been driving for almost a year now. About how much do you think my insurance willl be monthly? Thanks.
What zip code in the U.S. has the cheapest auto insurance?
I want to know what area of the country recieves the cheapest auto insurance?
""In Holland, what are the average odds of insurance paying for car dents and scratches caused by another?""
I got drunk and accidentally crashed my bike into a car, which didn't look very expensive. If it's likely that insurance doesn't pay, I'll try to pay for it myself""
How much is car insurance?
I know it depends on a lot of things, but whenever I mention me getting my license, they have the same excuse over and over... So what's an idealistic amount for a young teen w/ 3.0+gpa and a sports car be? In california.""
Where can I find cheap Van insurance for a 19year old?
I have recently started up a new business, and I am about to employ a 19year old with a previous driving conviction. I need him to drive a van so I am wondering what the best way to get him insured is- Through my policy? or is their a business insurance policy for driving I can look into? Any advice is much appreciated""
California State Disability and Insurance?
Hi, I am trying to figure out how much of a % I will be getting back from the state. I have short term disability but I havent called them yet to figure out how much I will get every month. Also, I have insurance through work and apparently not all the hospital fees are paid for. For example, my coworker just had a baby and cost her about $1500 out of her own pocket. Altogether was $9000 (rest was billed to the insurance). My doc is telling me I might have to have a C-Section. How much do those usually cost? What the heck is the point of having insurance if there not even going to pay for crap! BTW I am 29 weeks""
""So what would you suggest for my 1st car? has 2 b 5 door,cheap 2 run yet reliable & cheap on insurance??""
So what would you suggest for my 1st car? has 2 b 5 door,cheap 2 run yet reliable & cheap on insurance??""
Do you need auto insurance in florida?
Do you need auto insurance in florida?
Umbrella insurance?
instant quotes for the stand alone umbrella insurance in california
Will my car insurance rates go up?
A year ago, I got into an accident that was my fault. My insurance rates went up. Recently they dropped but at school, I was pulling out of a parking space and I ran into another girl's car. Will my insurance rates go up if she put in a claim? If so, how much. Any thoughts? What should I do?""
Can I claim through my car insurance without facing any penalities?
Can I claim through my car insurance without facing any penalities?
I drive a 1984 chevy 2500 and i want to know how much for basic insurance would cost?
1984 chevy 2500 clean title 120,000 miles""
My health insurance paid for medical bills incurred from a car wreck. Can it come after me for reimbursement?
now I have received a settlement from the car insurance. Can the health insurance now collect the money it paid out . If so how long do they have to request the money form me?
Why has the cost of Car insurance suddenly shot up?
Got my renewal quote today, car insurance has risen by over 250 extra, I phoned around and the companies are saying that the quotes have just gone up without explanation. Is this just sheer exploitation and profiteering?, in this time of recession how can they seriously do this and ask for such things hand over fist.? Rip of Britain indeed. Is there an insurance regulator people can go to to get an opinion on it?""
How much would insurance be for me?
I am 19 years old and gonna buy a used car soon. My parents have never drove or owned a vehicle in their life. I live in San Francisco. I know the insurance gonna be expensive for me.. Is there a way to get cheaper insurance?
Help! Urgent! Holiday! Health insurance?
I go on holiday tomorrow and just noticed my health insurance card has expired can i still go on holiday?
https://www.linkedin.com/pulse/lawn-care-insurance-quotes-freda-conrad/"
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Downsville Wisconsin Cheap car insurance quotes zip 54735
"Downsville Wisconsin Cheap car insurance quotes zip 54735
Downsville Wisconsin Cheap car insurance quotes zip 54735
BEST ANSWER:  Try this site where you can compare quotes: : http://insureinfo.xyz/index.html?src=tumblr 
RELATED QUESTIONS: 
Is it standard procedure for home insurance agents to visit your house before they insure it?
I was told by my ex that a home insurance agent was coming to look at the INSIDE of my house. I was under the impression only appraisers came to look at the inside of your home. Do home insurance agents do that now too? What's the cheapest home insurance?
Insurance not paying a claim!?
Boy this is a good one & I don't know what to do Next! I went with the Lizard insurance even though they are Snakes and don't want to pay for any Claims! It started in 2010 with my truck, I took it to where they told me and they only paid for cosmetic damage even though there was a lot more including my steering was so bad I had to stop driving it. I wanted to take it to a shop that I had my truck lowered which because of we're I lived and the shop was I couldn't drive it, 65 miles. I had AAA tow it to my new house and from there after 2 years of not driving my truck they agreed to have it towed 7 miles to the shop. Well I told the claims adjuster what was wrong, he told me I needed to write a list and drop it off at the shop so I just got my Chopper back from the shop and went down to where my truck was a wrote a list of what I thought was wrong. Here is where the first of my troubles started, on the way home I am riding on the freeway and a truck to the right of me had a blow out and a Giant tire flew right in front of me, I couldn't do anything other than to run it over. It happened so fast, I hit it and made a brown spot in my shorts, jk. I then noticed smoke coming from my Chopper, it was Bad so I pulled over and noticed that my tail light was knocked off and caused some damage and the bold that holds my tail light on came off and rubbed on my new Avon 250 tire and Melted the side wall. I was able to ride home and once I saw all the damage I knew it was a problem. I called the Lizard and made a claim. The claims adjuster called me and said he will be out that Saturday, so saturday came and I never heard from him, I had his number and left a message, so this went on until Thursday and I called the lizard again and they transferred me to the AH boss and I left him a voicemail. Well I didn't hear from him as a few more days went by so Called back and got his boss's boss. The next day I got a nasty voicemail from the claims adjuster bitching at me. I called customer service and told them he went off on me and they can hear my voicemail too but no one listened to me. So I was told to call his boss, I said then I don't want this claims adjuster to come out, I don't want to speak to him or have anything to do with him. They were so sorry and said they totally understand and later that day the big boss called and I told him I hadn't heard from the adjuster other than a nasty voicemail and I want someone else to come out and not him. The boss said I understand and he will take care of it. So two days later the rude claims adjuster showed up at my house to take care of the claim, I was shocked it was the AHole I didn't want to come out but his bosses boss told him he better get out there and take care of this. Well once he was there, he wasn't as nice as he had been and couldn't be more rude than he was. I told him what had happened and the Damage, all he said was Prove it, Prove it, Over and over with everything I showed him. It caused major damage to my shocks and front forks, he laughed and said they are designed to roll over things and that it couldn't happen from hitting a tire in the road, well it can because that's exactly what happened. He was such a AHole I said, why did you even come out, did you just come here to be a @ss Hole or what!! He didn't say a word and just left. They paid out just a little for damages to the paint, tail light and the tire. The tired was new and cost 500 but they paid me 100 bucks for it. Mean while my truck is at the shop still to get looked over for the damage and they didn't pay a dime and the worst part was when I got the truck back from being towed, I started after the tow truck drive let it down and it sounded funny, then I smelt burning plastic so I opened the hood and my entire air intake system was gone!!! The burning was th vacuum hoses laying on the headers. I called the shop where my truck was and they said they are not sure what's going on but to call back. Well they are no longer in business and I lost all that so I called and opened a claim, now they are investigating me over this. So I have damage from 2010 that has never been fixed, my bike isn't right and someone had stolen my Volant cold air intake that's not being taken care of. What do I do? This is BS, I don't deserve this from my insurance Company and for them to treat me like they have, not pay out the claims. I needed my truck smoged Dec 31st so because all the parts to have it smogged weren't there I couldn't have it down and I have a ton of late fees with the DMV in California. My Volant is smog legal, I have the Ca numbers for it but it doesn't matter, I am getting the run around like no tomorrow. I will Drop GIECO and go with Farmers but not until my truck and bike are fixed. I have called everyone I could at Geico and no help!""
What are the cheapest auto insurance companies for young drivers?
What is the cheapest major auto insurance company for a 19 year old male, with no violations or accidents? Going to be buying first car in the next couple weeks and need insurance. Getting a much older used car so I don't car much about comprehensive and such, just want state minimum coverage (20/40/15 in IL) to be legal. I've seen quotes from Progressive, Geico, The General and Safe Auto. So far, geico has been considerably the lowest. I checked various models I was looking at, on average progressive was about $100/mo, the General and Safe Auto were around $120 and geico I saw the lowest as $45/mo ranging up to $80/mo (but I've already eliminated that car- a ford probe that sold before I could test drive) I'm wondering if anyone knows of any other major companies with lower rates, otherwise I'm obviously going with geico. Right now my options are down to a mitsu eclipse or a camry/corrolla/accord (something of that nature, whatevers on the lot and priced right) The eclipse from geico I believe was around 60-70, I imagine the camry would be more in the 45-50 range. Any companies with rates lower?""
Can your car insurance company penalize you if...?
Can your car insurance company penalize you if you report an incident but decide not to file a claim?
Car insurance price for a Civic?
I am a 18 year old boy and I want to purchase a Honda Civic EX 4-door w/ a manual transmission. I am looking at a 2000-2005 or a 2006-2009 model. Could anybody give me an estimate of how much insurance is monthly? Thanks
Would you be in favor of health insurance plans that cost less but force you to make lifestyle changes?
I saw somewhere that an estimated 90% of diabetes, 70% of heart disease, and 60% of cancer cases are directly related to either obesity, sedentary lifestyle, tobacco use, or drinking outside of moderation. For the amount of people that whine about drug prices, insurance costs, and drug bills, 1 out of 3 americans is overweight, something like 1 in 5 americans over 50 or 60 or something are diabetic or prediabetic (each case of diabetes costs an average of $10k per year in treatment and complications), and about 1 in 3 die of heart disease. People do not take personal responsibility for themselves, and they cost society a lot of money. Would you support an insurance plan that would be lower cost, but would drop your coverage if you developed a chronic disease like diabetes or something, and failed to get your weight down to a certain goal, mange you condition, etc. or maybe COPD and maybe you would have to quit smoking within 6 months, etc etc? Would you join the plan? Is it fair?""
Why are my insurance quotes so high?
20 year old male toronto ontario G2 issued oct 2011 G1 DEC 2010 car 2003 toyota celica never been insured before quotes came up as 12000-16000/year i tryed it with a 4 door honda accord and it was 10000/year, i tryed 3 websites. Also is there an easier way to find auto insurance around toronto?""
Do I need a motorcycle VIN number to get insurance in NC?
I live in North Carolina and I'm trying to get a license to purchase and operate a 150cc motorcycle. In North Carolina you must have a license for an automobile before you can get an endorsement for a motorcycle. Right now I'm learning how to drive a van so I can get a motorcycle endorsement. Before you can get a license for an automobile you must have proof of liability insurance (DMV form DL-123). Do I actually need a vehicle with a VIN number to get liability insurance? Or do I have to purchase non-owners insurance first and then switch it over to motorcycle insurance after I get an automobile license with motorcycle endorsement?
Insurance? Renting a car?
Hi, this is my first time renting a car. I reserved a car from Enterprise to be picked up at the airport this Thursday. It's like $15 a day. I owned a car in the past and, of course, had car insurance. Now, I don't have a car. When I pick up the car at Enterprise, what should I do with the insurance? I don't think you can drive a car without insurance, right? How much does it cost?""
How much is Motorcycle insurance in TORONTO?
I'm a 28 year old male with an M1. I'm looking to purchase a bike like a 2000 GSX600-R and i was wondering how much insurance would be a month. If you are not from TORONTO, ONTARIO please don't bother replying because the prices in Toronto are usually outrageous so if you're from somewhere else, don't bother, i'm glad you get such good rates ;) also i have rode before many times, so no comments about a 600 being too big... i grew up on dirt bikes... thanks""
Car Insurance?
I'm 16 and I don't have a car, but am I covered with insurance on my parents cars automatically?""
Do You Know Any Affordable NY/NJ Dental/Health Insurance Plans?
My father's company insurance plan will no longer cover me as a dependent. I need to find some sort of dental/health insurance of my own. My status is as follows: I live in NY My parents live in NJ I am self-employed out of MD My father claims me as a dependent on his taxes I am presently a part-time student...and will be a full-time student in Fall 2008. What can I do with this...to make something happen? :-)
How much would car insurance be for a 19 year old teen with plenty of tickets?
How much would car insurance be for a 19 year old teen with plenty of tickets?
Why Is my Car insurance claim taking soooo long?
Hi all My car was stolen on 9th December and I still am waiting for a decision. My car has not been found and my insurers are requesting for a police report which will take up to 40 working days. Does car insurance claims usually take this long??? Thanks
Medical/health Insurance for H1b and H4 visa holder?
What is the best medical/health insurance ?Is dental,vision and pre natal included? What are HMO/PPO plan?What do i need to know about it? need some input. pls suggest. thanks =)""
Will tinting my windows add to my insurance?
Wanting to get my golfs windows tinted and im wondering if it will add to my insurance? Do i need to let my insurance company know?
Homework / car insurance question?
I have to do a budget for the next 5 years of my life and im lost on how to get the car insurance part figured out. I have to figure out hom much i would be paying for car insurance if i was to buy a car in the future? can someone please help, i'm so lost. and plz dont just give me a website to go to, plz explain it a little. thanks""
Anyone in Florida with a 220 insurance license?
I want to study for the 220 insurance test but before going to the school i needed to get a head start, and was looking for some study material can anyone help or send some lititure to study??""
What is a good low cost health insurance plan for my family?
I am 27 and my wife is 26. I am currently a full time college student and my wife is bartending until I finish school. We have no kids but also not a lot of money. I don't mind ...show more
Can I get car insurance under my name when there's insurance on the car?
So after finding out that I'm not under the car insurance, I want to get insurance on me. Can I get liability coverage, or at least some form of auto insurance on me, despite the fact that there's already insurance on the car? I want something in my name, that way I can drive it without being paranoid of getting in an accident and not being covered. So basically, can you have two forms of insurance on one car?""
Where can I get health insurance?
I have a disability (hearing loss), and I don't have a job, so I am not working. I want to get a hearing evaluation at University of Washington (where I live) but I need health insurance. Otherwise it will cost me 900 dollars which, I don't have. What can I do?""
Life insurance - can policy owner change % allocation after death of insured?
My sister has a policy with NY Life where she is the policy owner.. AND is 50% beneficiary with me. My mothe passed away 2 weeks ago.. however my sister tried calling NY Life to change the % to her benefit, 70/30. Bottom line my sister is cheating me out the insurance money. Can this be done post death? I've always thought once insured has died changes can NOT be made. I may be wrong..... Any comments or suggestions?""
Can I insure a motorcycle at age 16.?
I am 16 and my parents are not ok with me getting a motorcycle. They were, but now they're not. I have a motorcycle permit and want to buy a motorcycle and I want to know if I can insure it with just that. Can I? EXPERTS ONLY""
Whats the cheapest car insurance for a 18 yr old female?
ok im trying to buy a 2004 mercedes benz c230 my payments will be $219 a month whats some good cheap insurance? i make about $2100 a month but i need to save for something pllease help!!
About car insurance and drive?
Hi, Anyone can tell, if my insurance for on my name third party only and my friend have just new license and he can drive without anything else like insurance!! If he can't. By legally so if he'll catch when he's driving my car so by uk law what punishment /fine For me?? Or. I'm safe!""
Downsville Wisconsin Cheap car insurance quotes zip 54735
Downsville Wisconsin Cheap car insurance quotes zip 54735
Where can I go for affordable prescription glasses being that I do not have any insurance?
I've noticed my vision is a bit blurry and i'm always getting headaches these days. On Thanksgiving my Uncle let me try on his prescription glasses. It wasn't blurry at all. In fact, I've never seen better so I KNOW FOR SURE I need glasses. Do you think Walmart would be affordable?""
Any advice to offer on car insurance?
Do you have any advice to offer on buying insurance on my very first car for a first-time driver? Any advice at all? Any recommendations, anything to avoid, etc.?""
Do I have to tell insurance about my ticket?
I got a speeding ticket about a year ago. My question is I'm trying to get an insurance quote, do I have to tell them about my ticket even though I went to traffic school and did not effect my current insurance rates? Thanks!""
How much is motorcycle insurance for a 21 year old?
I'm 21 and I'm gonna get a motorcycle I just wanted to know how much some of you 21 year olds pay for motorcycle insurance
How high are my Insurance rates going to get up too?
I am 17 turning 18 and i am looking at getting a 2000 Pontiac trans am with 28,000 miles. how much do you think my monthly payments will be on that car at my age for full coverage? and i have been in a n accident in the winter i slid into a tree so how much do you think that will be? I have state farm. Thanks for any help you may have.""
How do people save so much on car insurance?
I keep seeing these commercials where people can save $500 or more on car insurance . Our two late model cars are fully insurance beyond what we need and they are only $950/year. Are you telling me I can get our cars insured to the same degree for $450/year? Seems really inexpensive.
How much would car insurance be under my dad's policy? Or by itself under my name?
I'll be 21 in September and I'm getting a car really soon. I just have no clue how much the premium is going to cost me. I'm getting an older car. 100,000+ miles. So my question is, if I insure my car under my dad's policy and put it as one of those cars that is occasionally/rarely used , how much would a premium cost? If I decided to not join my dad's insurance and just get my own, how much would it cost? I'm not looking for sure good insurance because I'm a very safe driver- but I'm also not looking for crappy shady insurance either. Thanks!""
How can i get cheap car insurance? IRELAND?
hi i'm living in ireland and i'm looking forward 2 drive and i was wondering how will i get cheap car insurance first? because i want 2 be able to save up? any website i go onto like 123.ie or quinn direct.ie they keep asking me for license and type of car and i don't have none yet is there any other easier way please help thank you very much..
What happens when your employment insurance ends?
i am receiving regular benefits at the moment because i got laid-off but i want to know what happens when it ends..can i still apply for another one since i submitted only one record of employment to service Ontario but i have records of employment from my previous work can i use that one to claim another?
Car insurance.....???
What is the best Insurance Company for young adults? I'm 23 years old. Who can save me the most money??
CAR INSURANCE FOR A 16 YEAR OLD?
would it be more expensive for car insurance for a brand new car or a used car.
What would be the best way for me to minimise my car insurance?
Ok, before I start, I DO know that its not going to be cheap but I want to figure out the best way to get insurance. (This is in the UK by the way) Well, I turned 17 a few days, got my provisional today, and am thinking, uh oh - look at these insurance quotes. Is it a good idea to get my name added onto my parent's insurance policy? They're with Tesco car insurance. Apparently this lowers costs but is it worth it, and is there anything better? Also, do your public exam marks make any difference? I got good grades in the summer, A* in every subject, so does this help? The car is a NISSAN PRIMERA S TD 2001 1974cc Five Door Hatchback Manual Diesel. So it's not really a new car, and its silver in colour. The mileage per annum definitely won't exceed 5000 miles. Any help is appreciated, thanks.""
Where can I get Affordable Life Insurance?
Where can I get Affordable Life Insurance?
Best Insurance company?
What is the best insurrance company for both auto and home please let me know as soon as possible - I live in WV
Can you have a separate car insurance policy for a different vehicle?
I am 18 and I am insured under my parent's policy for my main car. I'm really into cars so I wanted to buy an old Explorer or something as a throw around car to work on, but my parents would never let me put it on their insurance. I don't need collision or comprehensive, just liability insurance. Is it possible to be insured under my parent's policy for my one car and insured under a separate policy for a second car? I live in New Jersey if that makes any difference.""
Leaving for several month. what about car insurance?
I'm leaving USA for about 4 months. What should I do with my car insurance? I don't really wanna pay for insurance because I won't be in the USA. What should I do? need a good advice
Car Insurance for teens?
How much would it cost monthly for a teenage girl? You don't have to be exact but make an estimate.
Can I get insurance on somebody elses policy?
OK, I'm 17 and would like to start driving when I pass my test. So as a new driver, can I insure a car on my mum's policy? (In the UK) I hear it's a lot cheaper, so how much would I save if I insured a 1 litre VW polo on my mum's policy? Compared to a policy of my own. Thanks in advance.""
Discount car insurance by putting another name on my insurance?
I know plenty of people the same age as me, 19 who have put another persons name on their car insurance eg. family or friends so its cheaper due to the other persons experiance, my mum passed her test when she was 21 but has never drove a car or owned a car herself since... so would putting her name on my insurance be pointless.???""
Do I need motorcycle insurance?
Do I have to get motorcycle insurance? If so, whats the absolute cheapest insurance i can get?""
Car insurance question.?
I was involved in an accident recently. The other driver ran a red light and totaled my car. There were no witnesses or cameras. The other driver claims that I was the one who ran the red light. This is not true. The police report was finished today and it came back in my favor. I only have liability insurance so I am waiting to hear from the other driver's insurance company on whether or not they are going cover the cost of replacing my car. Do you experts think they will cover my full costs? Thanks, Eric""
Cheapest car to buy and insure for teen?
so iv just passed my driving test im 17 me and my mum are going half on a car and insurance what is the cheapest car to buy and insure for a girl
""Cheap, yet reliable insurance?""
What would be the overall consensus on the most affordable car insurance coverage. Considering I need to file an sr22 form, plus I've had a dui and a reckless driving charge. I know that makes me sound like a horrible driver, but honestly I've just had some major bad luck, I'm very careful, never had an accident, just was in the wrong place at the wrong time. Don't currently have a car, but will likely get reliable four door sedan of somesort, newer model. Plus I know that 25 is the year rates drop, I am 24, had the dui nearly four years back and the reckless just over two.""
What are the cheapest cars to insure?
i just want to know what the cheapest cars are to insure as i am going to get my first car soon.
Will my Insurance go any higher if paid off by Collision ?
I bought my Acura in 2006 and have been in mint condition since then. Recently, the snow plougher scratched my car and didnt leave a note. I called the manger of the snow plougher and filed the police report. He took the responsibility but during the report he said that he will give the name of the driver and vehicle later. After few weeks when I didnt hear I called the manager and he said his company will not cover anything and I can do whatever I can.... I called my insurance company and they are willingly to cover through my insurance - Collision, instead of comprehensive. The repair is $2000 + rental car for 9 days ~$2500. My deductible is $100 for collision and $50 for comprehensive. Do you think if they use Collision my insurance rate will go higher ? [Ofcourse I dont have any choice at this time. my insurance company said they cannot file a lawsuit or anything against the snow plougher company]""
Downsville Wisconsin Cheap car insurance quotes zip 54735
Downsville Wisconsin Cheap car insurance quotes zip 54735
I have a question about car insurance in N.C.? I REALLY NEED AN ANSWER????????????????
okay, im 15, im about to get a car signed over to my name, what im wanting to do is have it in my name, work out the problems with it over the years, then by the time i get my license, it'll be running nice and good so i dont have to worry about it, sounds simple huh? well i've only encountered one problem with this, and that is my mom says that you need to have car insurance to be able to own a car by law. so the whole time that i own the car, fixing it up and stuff, (when im not driving it), ill have to pay car insurance on it, i dont have a job yet, so i dont wanna dig a ditch that i cant get out of, so by law in N.C., do i have to have to have car insurance on a car, if i dont have my license, and im not driving it, i guesse a simpler way to put it is do i have to have insurance on a sitting car. an answer is crucial and best answer gets 10 points, please help thank you""
Can anyone explain life insurance to me?
Can you insure the whole family? As if, if any of them passes away the rest get the money?""
How much does Auto insurance cost in Mass?
I am moving to Mass, and am curious if someone can give me an idea about how much it would cost to insure a 97 Acura CL 4 cylinder car. I am having a hard time finding quotes online. Round about numbers would help.""
I need help finding an affordable health insurance plan!! I am a young adult!?
I need help finding an affordable health insurance plan!! I am a young adult! I currently am 20, and I am on Medicaid. Full coverage. I am a former foster youth. Being a former foster care youth I get medicaid until I am 21. I turn 21 in October...I need some sort of affordable health insurance plan. I take ADHD medication, it really works and helps me focus. My work ethic has improved SIGNIFICANTLY, and I can actually focus. Its great, I am about to start college and am worried I am no longer going to be able to take this ADHD medication. I support myself for the most part, and no, I can not be on my parent's health insurance. I make about 16,000 a year, and pay half of rent and some bills etc. I need to find a health insurance plan that either A. will pay for all my my 198.00 a month prescrption cost, or B. pay for most of it. Will someone help me out? Direct me to any insurance company you know that can help me? Thank you so much. And please..real answers. Thank you for your time!""
Car insurance policy and rates question?
My girlfriend is on my car insurance policy. Recently she got in an accident and now I believe our car insurance rates will be raised. Can I drop her off my car insurance policy and have her transfer her car in my name that way both cars can be insured in my name. If I do this can she still drive her car?
Car insurance policy?
Hi.A mate of mine purchased a car insurance from AA.com in july2008 & paid the full annual amount upfront. About 6 weeks later someone vandalised the car,so she he called the police & AA to report the incident.He told me that the AA said The damage sounds like it will have to be written off ,If this is the case,does he get the remaining 46 weeks of this insurance money back?,I know this sounds silly ,but he thinks by asking the AA ,they might accuse him.....Thanks""
How much does it cost to replace an in-dash navigation system and does insurance cover it?
So here's the story. I was driving in my 2012 Honda Civic today and got angry and punched my navigation system (I know. It was unbelievably stupid. I know.) Anyway, the screen is shattered now, but the system still works. I called up a Honda dealer who said it would cost $3600 not including parts and labor. When I search online, the navigation systems seems to cost between $250 and $700. So what I want to know is, how much should I expect to pay to get this fixed. How long does it take? Will my insurance cover it? If my insurance covers it, will my rates change? Is the dealer the best way to get it fixed? I'm also under my warranty still, is there any way this is covered in my warranty?""
""Modified Car, Insurance?""
I am a new driver and interested in buying a renault clio, however it has two things that might class it as being modified, lexus lights and a renault clio sport exaust. Would this affect insurance much, and is it worth not telling the insurance company about it?""
Can i switch car insurance from one car to another?
i have a car with car insurance on it, but i am going to buy another car, and i want to take the car insurance off my old car and put it on my new one. is it possible and if so how do i go about doing it?""
Best New York Insurance?
Ok I'm 19, my mom's thinking of getting a CR-V or an Odyssey and I live in the Bronx so how much would it be for an insurance?? Any cheaper?? I have experience in driving had so many driving practice. Also what if I add another car? Would the insurance be cheaper or still off the roof? I'm thinking about A Miata that cost around $3,000 about 1996 model. Thanks!!""
Is the Nissan 300zx (1991) a good first car for a teenager?
I just want to know, I'm shopping for my first car. I have about $3500 and I want a car that is sporty. I like the nissan 300zx, and I need to know if its a reliable enough car and a good buy for my first car. I f anyone has any advice or knows about the car, let me know. Thank you!""
*Help* First Motorcycle?
I am about a month away from purchasing my motorcycle and already have a total including the bike, gloves, jacket, and helmet i just wanted to know the average total cost to get it road legal for example the Insurance, Tax, registration, and MOT (I am 18 the bike is 125cc I have my provisional and CBT) I have fashioned rough estimated total for Insurance, Tax, registration, and MOT but would like to know if 677?? a realistic estimate. If i have left anything out please tell me i need to know what i am getting into. Thank you. _""
If I have secondary driver Insurance on my Dads car. Am I still covered on our other car aswell?
My Dad put secondary insurance on his car (that I pay) so that I can use it. But he never lets me use it because he takes it to work everyday. But my Step Mom has her car here, and my dad tells me I can't use it because my insurance only covers his car. Is he just being a douche?""
What is best health insurance for a 43 yrs old male single ?
not to expensive health insurance .
TERM LIFE INSURANCE IN NEW YORK?
any companies offer no exam life insurance for residents in nyc? $50,000 or more.""
Insurance question for 17 yr old driver (sports cars)?
At the end of the summer I am allowed to buy my own car. At that time I will have been driving for about a year and a half under my parent's insurance. I have 2 options as far a buying a car: putting about a $5000 down payment on a car and my parents paying off the rest before I graduate college, or buying a car for $5000. The cars I would buy for $5000 would either be a mitsubishi 3000gt or a nissan 300zx. I like both of these cars, but they're not very professional and since I hopefully will have whatever car I buy through college, I want something that doesn't scream hey i'm fresh out of high school and stuck with a sports car! As far as putting a $5000 down payment at a local dealership, my limit is about $16,000 at the most. For 16,000 I was looking at a used (obviously) BMW M3, Mazda Rx8, and Audi A4, or (if I get extremely lucky and stumble upon a) Infiniti G35. These cars look a little more mature than the ones I would buy for $5000.""
I am thinking of getting renters insurance. What is the cost of most average cost of most polices?
Live in a 2 story, downstairs apartment ground floor, one level., I have a doxie (weiner dog), my son who is an adult and my husband.""
""Insurance question I need help with, any help would be great?""
I need some help here... The question is Hans sells his car to Pieter and now has no car and no need of auto insurance. Hans calls his State Farm agent to tell him to transfer his auto insurance to Pieter. The agent tells Hans: A. The transfer will not take place until that night at 12:01 AM B. That Hans will need to put Pieter on his policy as an additional driver C. That Hans must keep paying the premium until the end of the policy period. D. That he cannot transfer the policy to Pieter. E. None of the above. Im pretty sure B and C are incorrect, but otherwise I have no clue. Any help would be greatly appreciated!""
Cheap car insurance quotes??
I've heard 'Co-op' is a good place to get cheap car insurance from.. However i've tried to get a quote of their site and it seems they want you to have a car already chosen or something. I don't have a car, im 18 and i neeeed one. Can anyone help me!? I'd like a fiat 500 orrrr a silver fiesta. Thank you!""
Auto Insurance Question on a Hit and Run?
My boyfriend is not listed on my insurance because he has a company vehicle that his boss lets him drive. Anyway today he decided to take my car to go pick up our daughter from school. As he was backing up he backed up a little too quick and hit one of the teachers car. He said he looked out the window and saw there wasn't any damage and took off right away. All it did to our car was literally chip the paint but I wasn't sure what he did to the other car. Anyway I was out shopping later this evening and got a phone call from my partner stating that the cops were at our house and wanted to see my insurance slips and ownership. So I went home and gave them all the information. They ended up letting my husband go on fleeing the scene of a accident but gave him a $110 fine for failing to report the incident. Now here's what I am wondering, I have to call my insurance company tomorrow and notify them that he was driving my car and let them know all the information but I'm unsure what will happen? I can almost guarantee that my insurance will go up but is there any regulations about hitting a parked car within a private parking lot? I know that if she decides to go through the insurance company (which I'm sure she is because she gave all her information to the cop) then I was told I am able to request that she gets 3 quotes from 3 different places so that she doesn't try to stiff me and go for the most expensive. The cop also told me that I have the option to call her and maybe see if she will take cash but I know this teacher and she is one of the worst teachers I have ever met so I highly doubt she will be so accepting of the money. The cop also told us that he went to go view the damage on her vehicle and he said the front number was cracked so it would need to be replaced. He said it's not extensive damage at all but damage nonetheless. What is my best bet in this situation? I am screwed either way? Because I know when I signed up for insurance one of the questions she asked was is there any other licensed drivers in the household and I told her no but my boyfriend is a licensed driver but just doesn't drive my car. He is also not on my lease so I can always say that he just moved in after Christmas which at the time I filled for insurance he wasn't living with me. Has anyone else had this situation happen to them? Any advice would be greatly appreciated! Thanks in advance""
Where can i get cheap car insurance?
Where can i get cheap car insurance?
""Just got my M1 , wondering what kind of motorcycle I should look at? ( price/Insurance wise )?""
I have my eye on the Suzuki 500 gs , Since its considered a Touring sport, I will have cheaper insurance... Any suggestions on some motorcycles, I live in Ontario Canada. Thanks""
Dad's Car Insurance Coverage for My Car Accident?
I was in a fender bender, rear ending a truck in my Mazda 3. The collision cause minor damage to the Ram1500 rear bumper, but because I tried turning to dodge it, it broke it my headlight, scrunched my hood, and the driver door doesn't open well. Basically, the car was mine. Title under my dad's name until 4 months ago. Now under mine. The car is insured by my dad. I was not on the insurance. Since the car has been towed to the shop, the insurance company has opened an investigation to straighten things out. They are wondering if it is under my name, and my dad's insurance, why I was driving it and not on the plan. My brother thinks they are trying not to pay for the damage, I'm just hoping they will. I don't know much better, only driving since Aug2012. Can I have any advice or information you know about the subject, or post questions for any additional info you may have. Thanks.""
Affordable Care Act: The Health Insurance Exchange concept seems to do the trick... so why complaints?
The Health Insurance Exchange idea allows individuals to come together and have the purchasing power of a large corporation. In this manner these uninsured people can get insurance at ...show more
Whats the best insurance for the self employed?
We need some insurance, but don't have a ton of cash.""
Downsville Wisconsin Cheap car insurance quotes zip 54735
Downsville Wisconsin Cheap car insurance quotes zip 54735
""Insurance Claim estimate lower than expected, what do I do?""
An elderly lady backed up into my car a few days ago and we decided it'd be best to file an insurance claim. After the claim was ruled in my favor I was sent to a body shop for an estimate of the repair. The damage was to the rear quarter panel of my car which consisted of a scrape across the panel and a quarter sized dent in the panel. The insurance adjuster gave me an estimate and check for 855$. My question is in regards to the repairs, I feel that since this is 100% the other party's fault and since I am the person who has to drive the car that I am entitled to the maximum premium in repairs. I have been reading on Paintless Dent Removal (PDR) and most will say that its the cheap way of making a repair. Does anyone know if it would be possible to go back and get a new estimate/settlement for a new rear quarter panel? Basically my logic is this, if you damage any of my property it should be 100% my call if I want to settle for a compromise or not.""
Life insurance is not a investment?
LIfe insurance is a investment tool Is it worth it? It's a great investment tool. Not married, no kids? What's the POINT of the life insurance?""
Poll: how much do you pay for car insurance?
Poll: how much do you pay for car insurance?
2012 mustang gt vs 2009 bmw 335i coupe for insurance and reliability?
im am wondering what would be cheaper on insurance but most off all what would be the most reliable please no bias, although i am a ford fan boy you cant argue with a bmw but i hear they arnt to reliable being twin turbo v6, and also because if they arnt reliable i dont want to be stuck with expensive a## parts to buy... im 19 with a clean driving record""
Auto insurance : which company do you recommend?
We want to switch car insurance...our current one is so expensive! Any recommendations please?Thank you so much.
Car insurance changes depending where you live?
My sister has had a car for awhile now that was given to her by a family member, and she had her insurance and all set up and she was fine. We moved pretty much across the street but when you cross this street you live in a different town, the borders are in the middle of the road. So she called to change her address and they charged her 30 some odd dollars cause apparently the costs of living in this down is higher on your car insurance, so can anyone please explain to me why this is? Why would moving from one town to another, [across a road] take any effect on car insurance?""
Whats the cheapest auto insurance in texas?
i need to get a 1 month auto insurance for my 94 mustang whats the cheapest i can get it for and also about how much would i have to pay to put it under my name
Isn't it mathematically impossible for EVERY car insurance company to save me $300 if I switch to them?
I'm just complaining about the Lyin' Lizzards, so don't bother pasting in a car insurance website, and don't bother telling me that it's just advertising. First person who doesn't read this part is an idiot. And the first person to tattle on them in their answer gets the 10 points. Good luck! The hunt is on!""
""If I am under my mothers insurance, will it help me in the future when I branch off?""
I am thinking about putting my first car insurance under my mothers name, but in a couple years I want to start paying it on my own. Will the fact that I was under her name help me a little with my rate? Or will it not matter, and the insurance company will treat me as a new driver?""
""I pay more than $10,000 per year for Health Insurance, does that sound reasonable?""
I'm self employed and gross about $105,000 / year. Have wife and 3 small children. (wife stays home) Premium for family is $857.41 / month and increases about 11% per year. M.D. visits have $20 co-pay. Policy through Excellus BC/BS. We live upstate New York and have no health problems.""
""I am a married student, how can I afford pregnancy insurance?""
I am a 22 yr old married college student. I have been married to my wife for 2 years. We don't plan on having any kids until after we both graduate from school, but there is a ...show more""
I need cheap auto liability insurance can anyone recommend a good company?
I need cheap auto liability insurance can anyone recommend a good company?
Why do men pay more for car insurance than women?
This fact is surely sexism based on pure stereotypes rather than relevant information such as the driver's history. Doesn't this just portray the stereotype that men are more irresponsible or 'risk takers' when it comes to driving? Why not base car insurance on ethnicity?
""Car wreck, how much is the insurance going to give me?""
I got into a car wreck sometime this month of May. It wasn't my fault, the guy made an early turn and hit me. My car and his car are now totaled. I was wondering how much money the insurance will give me on the newer car...? By the way, I have a 1995 Honda Accord Ex and its now totaled. I just wanna know how much they will pay me back? And I have insurace, but not full coverage.""
What car has the cheapest insurance?
For a 17 year old.. (MALE)
Should I take off full coverage and just get liability insurance on my car?
I have a 2001 Ford Taurus worth around $5k according to kbb.com. Should I take full coverage insurance off of the car and just get liability? I am not accident prone (though I ...show more
Would car insurance go really high if you got a mustang?
I'm 16 thinking about getting a 2000 mustang 150,000 miles clean driving record I have state farm. I didn't know if a mustang would make it jump to much high than just an average car.""
Why arent car insurance comparison sites easy?
I am really confused how to use the damn things, for example i am trying to find a cheap quote but it keeps on asking when i want the policy to start?? When i do not want it to?? What policy date should i put in if i am just trying to find cheap insurance, not wishing to start it. Help is much appreciated!""
What does 'replacement cost' mean in hazard insurance?
I want to get a mortgage to buy a house. The lender requires hazard insurance at 'replacement cost' basis. I understand the lenders interest in recovering the mortgage, in ...mostrar ms""
How much would average insurance be for a 20 year old student for a 2011 Camaro LS be?
Im looking just to get an estimate.
VW beetle car insurance?
Im nearly 17 and female and love, even though I know its expensive.. A VW beetle as a car soon. Any idea on what the car insurance may be?""
""How to apply for Louisiana Children's Health Insurance Program, LACHIP?""
Are you looking for a low cost health insurance program for your children? Do you live in Louisiana? Well, I just recently found a program called LACHIP that offers affordable healthcare coverage for children. Step1 I'm a stay at home mom, and for awhile my child was getting sick all the time. Our insurance was good but, it didn't cover everything. Then suddenly, my boss told me that she was cutting my hours. I frantically started seeking healthcare insurance that was affordable but, would cover everything we needed. That's when I found a program called LACHIP. Basically, LACHIP is a no-cost or low-cost medicaid health insurance program for children. Step2 First thing, you need to find out if you qualify for the program. The program is basic on income. To find out the income guidelines, contact your medicaid office. They will also give you an application to fill out. To find out your medicaid office contact information, go to: http://www.dhh.state.la.us/offices/contacts.asp?ID=119 Step3 Finally, when you get the application in the mail, fill it out and return it back to the office. Now when I filled mine out, I did not have to put a stamp on the envelope because it was already pre-paid. Then within about a week, someone from the medicaid office will call you and tell you if you are approved or not. If you are approved, then you will receive a medicaid card in the mail for your child(ren) within 6 weeks. Once you receive it, you use the card anywhere medicaid is accepted. Also, don't forget to ask your medicaid representative to include a list of things that medicaid covers. For more how to articles, please visit http://www.ehow.com/members/kleighwickham.html?view=3rd""
How does car insurance work when making a claim?
What happens when a claim is made after an accident? If a car is written off how much does this insurance company pay? If a car is repaired by the insurance company what happens then? I guess they pay for the damage, but do they pay any extra? If the car is repaired then the value of the car will drop, therefore leaving the driver out of pocket even though the damage was not the drivers fault. How does it work? Cheers""
How much will the incurance go up after i start driving?
im 17 and i want to get my license. but my parents are making me pay for the difference in insurance cost. so i was wondering how much it will go up. we have usaa btw
An individual purchasing auto insurance is an example of:?
An individual purchasing auto insurance is an example of: Answer Hedging. Passing risk to someone else. Risk premium. Systematic risk. a and d
Downsville Wisconsin Cheap car insurance quotes zip 54735
Downsville Wisconsin Cheap car insurance quotes zip 54735
https://www.linkedin.com/pulse/mustang-gt-insurance-buy-help-anthony-lopez/"
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afford car insurance
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BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr 
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afford car insurance
afford car insurance
""Dui in personal vehicle 5 years ago, can i get comercial insurance for livery service?""
independant owner operator of sedan service in st petersburg, fl""
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What is average cost for auto dealers insurance for a year in NYC?
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How much does car insurance for a 17 years old cost in UK ?
How much does car insurance for a 17 years old cost in UK ?
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How much will insurance cost for this car..?
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Mr vice president my name is michael and i am in indiana. how can i afford health insurance michael?
i tried finding insurance but i can't even afford it. what can i do
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What is the average cost of life insurance?
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Insurance expired.
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Hi all, Been looking around for 1 -2 months insurance cover for under 21 in the Uk. It's been difficult to find anything on the internet. Can I actually buy this? Or would I just have to buy yearly Insurance? Any help would be much appreciated. Thanks in advance.""
What's worse for a teens insurance a luxury car or sports car?
I've been wanting to get a civic for a first car so I thought maybe a 2000 civic si and then realized I liked the 7th gen civic coupes alot more so when I went to get an insurance quote every company is telling me its about $400 a month even on my dads insurance. Because I'm a second driver in the house I become the primary driver on the civic by default and I don't have a choice. The insurance company says that the si is a sports car for them and apparently has a high chance for teens to get wrecked in. The 7th gen that I'm talking about was an 02 civic si veloz and I was told a non si 03 civic coupe would still be in the late 300's /month for me. I'd be okay with 200's/month if possible. So now I'm thinking of going to Hondas luxury side. I did want a fully loaded civic which I guess isn't possible because they didnt come with leather seats so I thought I'd go team Acura late 90's/2000 1.6 el the car would be a fully loaded sedan, manual transmission, sohc engine (not exactly built for speed) it would also have an alarm system that the civic didn't. I don't think there are as many teen ricers in acuras since the aftermarket is limited for some things as not everything is swappable with civic parts. so for a new driver would it be any difference to go from a 2 door si to a 4 dour sedan with a base motor? the only thing is that the insurance would probably classify it as a luxury vehicle and say its expensive to repair and what not. your thoughts?""
""If I buy a car and plan to restore, is car insurance usually alot cheaper? Can I still drive it occasionally?""
I am planning on buying a 84 blazer and fixing it up, it runs and stuff, so I can a discount on insurance if I plan on restoring it?""
Cheap insurance for a 17 year old?
Is there any hope of me insuring a group 14 insurance car? I don't care how crappy the insurance is as long as its legal. All the quotes I have been getting are ridiculous.
Insurance for a jeep wrangler?
I really wanna buy a two door hard top keep wrangler. I was just wondering roughly what would my insurance be like. I have never gotten in an accident or in trouble with the law, I have good grades, took a drivers Ed course and I'm a girl. Anyone know how much the would be? Roughly""
Best school to prepare for my life and accident/health insurance licensing exam?
I need to start my 52 hour training to get licensed in California for life, accident and health. Which is the best school to prepare me for the exam? There are so many online, however I want one with a high pass rate.""
""18 Years old, car insurance, comprehensive?""
Right so if I get comprehensive car insurance at the age of 18, can I drive other peoples cars? With permission""
Does anyone know Proximately how much a P.I.P car insurance with come out for a 22 year old..?
With 4 year driving record? thanks
afford car insurance
afford car insurance
Where can I find affordable but good coverage for health insurance?
My bf is currently paying out of his check $70 a week for ins and dental, Blue Cross. This includes him and our son. But we barely are making our bills right now. There has got to be another health ins company that Drs will take that is affordable. Please help ;)""
Where can I get a cheap-ish car insurance quote online?
Where can I get a cheap-ish car insurance quote online?
What are the best health insurance options for independant business owners?
A dear friend is purchasing a Salon soon. She has covered all her financial bases and made smart choices so far. HEr main concern now is health insurance. She has always worked for a company that provided insurance, with an employee contribution. She and her husband are african american, about 45 yrs old, the husband smokes, she does not. What are the options out there that are affordable? Cobra will do for now, but as you know, full health insurance premiums are very high, what reccommendations do you have?""
What is a good health insurance provider in Texas?
My mom gets sick very often and would like to purchase some health insurance since she isn't eligible for MedicAid. What's a good health insurance provider in Texas?
Car insurance coverage - with temporary car drivers?
sir, i bought a car for my brother in india,on his name...he doesnt have any drivers license..so always had to rely on call drivers or temporary drivers for driving the car. in that case,if any acccident happens,will the claim still be honored even it is not driven by the owner..as long as the driver as the driver has a valid driver license. i came across a situation with my friend..where in the call driver ran away from the scene after the accident..can we still make the claim even in this case? i see in my car insurance it has owner-driver coverage...what is that.. is there any add on that i need to add to my insurance so that it covers even if driven by any temporary or call drivers..""
My parents wont put me in car insurance?
My dad keeps giving me excuses to why I'm not on his insurance yet. His excuse now is that he wants to switch car insurances first, but that he can't until he fixes his car. Like why can't he fix his car under the new insurance? it makes no sense. I've had my license for about 3 weeks now. All my friends have been put under insurance as soon as they got their license. I'm trying to get a job, but I cant because I'm not on the insurance. and no one can drive me to work since they work themselves. My parents think my older brother is my personal driver, its annoying. I don't know what to do. Any advice?""
How can i legally make my parents dependents for medical insurance?
i want to legally file for my parents to be dependents for medical insurance. we live in the state of IL. what is the prerequisite? how should we proceed? we would preferably like to do this without involving a lawyer. thanks in advance for reading this and offering any suggestions!
Automobile Insurance Coverage?
My auto insurance payment was due 10/7/09 I paid it on 10//8/09 @ 11:30am had a car accident that evening am I covered?
Is the difference between health insurance and car insurance?
that while both are mandated, that the repairs on only one of them are garaunteed by the government. I mean, sure a auto body shop can refuse to fix your car if you don't have the money, but the hospital has to put you back together again, regardless of the bill and your relative ability to pay it.""
Got my speeding ticket removed but my insurance went up?
I got a speeding ticket, paid for it, and decided to get it removed off of my record so my insurance wouldn't find out. In my city, in order to do that you need to get an attorney and go to defensive driving class in order for it to be removed of your record. I got an attorney and paid $370 + $50 for traffic school and they sent me a letter from the court saying that my traffic violation was disposed of. But I just got my insurance bill and my rate had gone up by anyway! Do you have any suggestions on how I can lower it back to normal? I truly appreciate your help!""
How much is insurance for one day on a Rental Car?
I will be renting a car in April to pick up my fiance who will be arriving about 5 hours away, So I will be driving the car for 10 hours that day. I do not have insurance of my own so I will have to get some with the car that I rent.. about how much will it cost for the insurance? The car costs about 35$ for the day.. Thanks!""
Everything auto insurance will ask you?
I had a car accident, the other driver's insurance company called me, and I need to know all the questions they would ask me personal or not. I know they will ask about the facts of the accident, but I want to know what personal questions(like age, health insurance, education, etc.)""
Car insurance trouble?
i had posted this question earlier just not in the right way.so i have a car and its not under my name because im so young to have a new car with insurance under my name so its all under my aunts name. the insurance and everything else is in her name but its my car.so i have to go on a business trip to Vegas and my aunts flipping out!!! because she says i cant take the car because the insurance its not in my name and the car isnt either so im just really frustrated trying to figure out what to do besides flying?can she buy insurance for a couple days so i can go?
First Time Insurance?
i have just bought a 1998 fiat punto and would like to insure it.... i am going under my dads policy i have my test next month so i am looking fo a provisional insurance for a month and then change it ... i am not finding any insurance that is a cheap enough budget for me i am living in the uk ??? and good insurace out there ???
Am I paying too much for my car insurance?
I am a 23 year old male, I am driving a 08 honda civic LX and I am paying 150 dollars each month. Right now, my insurance is with Geico and I am getting the best discounts, student discount, anti airbag, defensive driving course and etc. another thing I have full coverage on it. so is paying 150 dollars the right amount, is Geico ripping me off. or are there any other car insurance that will charge me cheaper? Thanks""
Home loan insurance plan v/s life insurance plan?
how the home loan insurance plan is better/worse than the life insurance plan ? I am to buy a house in india, and can't decide which insurance to go for.. a home loan insurance or a life insurance..""
What are the cheapest cars for car insurance in England?
What are the cheapest cars for car insurance in England? I am just about to pass my test and don't care if the car looks like a piece of ****. I want it to have cheap car insurance. I'm thinking Peugeot 206 or something but I have no idea about cars? Thanks guys.
Insurance rates for this car?
First car, v8 mustang""
""Whats so affordable about $6,000 deductibles and over $500 a month for one persons health insurance?
When can we expect the $2500 in savings Obama told us back when he was trying to get ACA passed?
Question with progressive insurance?
Ok heres the deal. Last September we were backing out of our driveway and bumped into our neighbors drivers door on his late 80's mazda mx3. It caused a little dent in his car and just a tiny scratch on our car. We agreed that we will just handle it outside of insurance once spring came. Now that the snow finally melted here, he left a note on our door saying he wants payment in full in 7 days or he will report to our insurance. My question is, progressive told us they put it under property damage so there is no deductible but what will this do to our rates if anything? Thank You""
Where can I find super cheap auto insurance?
I just want something to cover me legally. I don't need any advice on why I should not get crap insurance, I literally would just like to know where to get great rates. I found ...show more""
V6 mustang and v8 mustang insurance?
how much more would a v8 mustang insurance be than a v6? im 17
Im getting an abortion with my parents insurance will they find out?
Okay so I am a 20 year old college student and im pregnant and I am not in the positin to care for a child so I am getting an abortion. But I am doing so with my parents insurance I do not want them to know because after all im 20 I can make my own descions and do things on my own but with that being said I do not want it show up anywhere in the mail or online or anything that I had an abortion. I do not want them to know. So what should I do I talk to the ladies at the faility im using and they told me there not sure if it will show up as an abortion it might just show the facilities name whih im fine with because I can say I got birth control or something like that so what should I do? Any advice is welcome as long as its dont get an abortion because i am not in the position for a kid I will learn from my irresponsiblity.
Motorcycle Insurance for 17 year old?
I am 17 and have a gsxr 600. I want to register it and insure it so i dont have to worry about being chased anymore but my current insuarnce company wont allow me to insure and register the bike without a licensed motorcycle operator. I am the only one whos rides so how am I supposed to insure my bike for a motorcycle permit? I also live in Connecticut. I'd appreciate some advice and maybe some insurance companies that have different policies. Thanks
What does full coverage auto insurance include?
is collision and comprehensive required for full coverage? what about underinsured motorist insurance? i need to know everything full coverage includes because im buying my first car.
afford car insurance
afford car insurance
Insurance question?
has anyone been or is currently pregnant and without insurance? I see that it's possible to get individual insurance with a maternity package, has anyone applied for any of these? Does anyone have any experience in this situation?""
Is there anyway around this massive car insurance premium?
I have seen a beautiful 2.0L Ford Focus ST170 for 4000. This is a dream car for me right now, but after checking some insurance premiums, I have found that its more expensive to insure. I'm 18 with 1 years experience and 1 year of named driver experience discount. Even with that the premiums reach +4000. Am i just going to settle with a Zetec 1.8 Focus for 1300 a year? Thats the alternative...""
I have AAA auto insurance and had minor 1st at fault accident. Will my rates go up?
I rear ended someone this weekend. Just a minor fender bender. My first ever accident!! UGH! Both cars with minor damage. There are a few scratches on their car. I have liability insurance through AAA, I've had my US license for a year and a half and am f/29yrs old. Have had a UK license for 10 yrs. What are the chances my rates will go up? I am insured on my husbands insurance and we have 2 cars so will insurance go up for both? I just want to hear people who might've been in the same kind of circumstances and if their rates went up and by how much! Thanks!""
My car insurance is $96.00 a month and I have a 17 year old son that needs to be put on my insurance?
How much do you think it will be after I add him?
Is there a car insurance company in the UK that offers competitive quotes to drivers with penalty points?
My husband has 9 points on his license which are all from Dec 08. We are looking into getting a second car but most insurance quotes are shocking, just wondered if there was a particular insurance company who specialises in insuring such drivers? Thanks.""
Buying a car need insurance help..?
ok. so heres the deal. im buying a used car with about 150K miles on it and its a '93 yr model. im 18 years old, and i only had my license for about a month. i need to know how much insurance is for someone my age and does the car being old and having a lot of milage on it effect the price of insurance? i want to get off my dad's insurance and have it on my own, cuz he wont tell me anything, he told me that i have to put like $2000 down just to get insurance....help please!!""
Health insurance?
personal
""Closing on a house, need the title insurance?""
So far this home buying process has been hell, and I am ready to close this month rather than next month... But our broker said, to close by the end of July, it depends on when they recieve the title insurance... Everything is done on our end, basically we are just waiting on the sellers to do their part... Could it really take longer than a month to get the title insurance? And, what is title insurance? Thanks in advance""
Health and life insurance?
im needing to look into health and lfie insurance for myself, and was wondering where to start? What is everyone using? i need something reasonable and something where i dont get the run around with!! Any help appreciated!""
""Car accident, insurance coverage, process?""
I had an accident with another car on the highway, road condition was icy. I traveled with 46-50 miles/hour, kept the car in my lane, followed the cars with normal distance. The other car - one lane or two lanes to the right of me hit an icy spot and crashed into the right side of my car at the door and partially the right fender. I had no damage in the front side of my car, but the front of the other car is damaged substantially. First she admitted that she hit an icy spot, but gave the police another untrue statement about the accident. No tickets were issued by the police. We both have full insurance coverage. The damages on both cars clearly indicates, that her spinning car caused the crash. I already contacted my insurance company. Is there a chance that the insurance companies will be able to work this out and her insurance company will pay for the repair on both cars? Therefore, I will not have to pay my deductible amount? Can the ins. co. override her statement if the independent investigation indicates that her car caused the accident ? Thanks for your answer.""
Auto insurance question?
I was a passenger in a car accident and my laptop was broken. Would the drivers insurance cover it? Even if it was liability, it should still have to cover it right? He says the insurance says no because I wasn't injured... That doesn't make any sense.""
Best car for low insurance? UK?
I'm 20 year old girl, just started having driving lessons so this would be my first car. I got an estimate online for where I live it would be about 1000; Greater (West) London but I know; obviously it depends. It would be cheaper on a classic car but don;t want the risk of repairs and high maintenance that would come with older cars. However I do love the classics and would consider them if it decreases the insurance. I'm a student living at home. What cars would be best for low insurance? I love Volkswagen Beetles but want to look at other cars as well. What are some 'low risk' cars that won;t drive my insurance through the roof??? Thanks for all the help!!!""
When does car insurance lower for a guy?
I am 20 years old, I have been driving for the past 4 years with my parents cars. I pay through my parents for my insurance. I am looking to buy my own car and the insurance is only slightly lower than paying for what I have now! I looked at an 01 Ford Focus and it will cost my $1200 for 6 months! I also looked at a Ford Taurus it was about $900 for 6 months, a 97 Malibu is about the same as is a 97 Olds. The cheapest insurance I could find was a 94 Ford Ranger which is only $850 for 6 months. When does car insurance lower for a guy?""
A good first car that is cheap to insure?
Hey well I am a 18 year old male and am looking at first cars but i want something that looks good cheap to run and has CHEAP insurance, can anyone surgest any motors?""
I live i Delaware and have had my car impounded due to having no insurance.?
I will be getting insurance this friday. After I do that what do I need to do to get my car back this weekend about how much will it cost? Is this a fee I pay at the troop or do I pay towing and storing charges?
What kind of car would be cheapest to insure for a teenage driver?
Im 17 yrs old, and about to move out.. My mother is not to happy with this so she is keeping my car. Now I have to buy my own car and pay the insurance as well, what kind of cars should I start looking at? Used of course, but what types of cars would be cheapest to insure?""
Is there insurance for?
is there insurance for rabbits or is it just for cats and dogs? my rabbit is about 3 years old and want to get some insurance for her if i can.
50CC Does motorbike insurance cost more than moped insurance?
Ok so i just turned 16 and have got my provisional license and also have done a CBT my mum tells me that a 50cc Motorbike that you put your leg over costs way more in insurance then a moped that you put your leg through is this true ? also im talking About 50cc motorbikes and mopeds
What is the cheapest life insurance a 66 year old man from california can get?
My dad is currently with AAA, signed up for life insurance for the first time, this month... he is paying 350 a month which is making it hard for him to have money for food. I'm looking for a cheaper plan for him. No health problems.""
Why do people keep comparing health insurance mandates to car insurance mandates?
Car insurance mandates are done at the STATE level, in accordance with the Tenth Amendment of the U.S. constitution. Yet people (the president included) continue to claim that a FEDERAL mandate to buy insurance is no different than being required to cover your car. (Completely ignoring that you have to BUY a car before you must get insurance...the govt's basically saying they own your body...insure it or be taxed) So isn't a FEDERAL mandate unconstitutional unless you plan on writing an amendment to the Constitution so that such a mandate is in accordance with the Tenth Amendment?? http://www.politico.com/news/stories/0909/27384.html The questions from ABCs George Stephanopoulos highlighted a politically dangerous new aspect of the health reform debate for Obama  as critics from Republican leaders to the U.S. Chamber of Commerce say his reform proposals amount to a middle-class tax increase. Obama promised during the campaign that Americans earning less than $250,000 a year would not see any tax increases from an Obama administration. Obama strongly denied that the mandate amounts to a tax increase  saying it was no different than requiring people to have auto insurance and charging a penalty if they dont. He also said it was important for everyone to have insurance so that people who do carry insurance dont have to shoulder the load for people who dont. The excise tax is designed as an enforcement mechanism to ensure people will carry insurance.""
What is the cheapest car insurance?
i am shopping car insurance, any suggestions""
How much would insurance be?
im getting a 1993 eclipse for my birthday and i have to pay for my own insurance, so how much are we looking at here for insurance? i just got my license and have a c/b average for my grades. we are going through farmers but when i went to the website it wouldnt work.""
Someone hit my dad's car with no insurance?
So my dad was on his way home from work. At an intersection, he was waiting for the light to turn green, when suddenly someone hit him from the back, probably because the person didn't stop in time. So the person waved his hand to go somewhere to park and exchange information. Notice, no witness besides the two of them. Well, it was a crowded intersection and at dinner time, so no one stopped, and it's impossible to track any down. My dad was panicking, so he just followed the guy. Both exchanged legitimate information and drove home. When my dad got home, of course, it was past 8pm, so we couldn't call the insurance company. So we did all the paperwork the next day. It turned out, the guy's insurance had expired just 1 month before. We told the guy and he said okay and will pay by cash. My dad went to the autodealer and the price is about $4000. So the problem is now, we've been keep calling him and he doesn't pick up. He picked up the first couple of times, but now he doesn't anymore. We told him the price already. What should we do? Take him to court? I heard you don't get anything out of it. We have the guy's info, because his old insurance sent it. It happened on 16/01/2013 Orange County, California My dad's car Mercedes ML320 2001. Damage: the trunk is pretty damaged, can't open it anymore. Obvious it was hit by a car. We just want the guy to pay for what he did.""
Car insurance rates after having license for 3 years?
I'm 26, had license for only 3 years. About to get my own insurance, just the basic state minimum, nothing fancy. Nationwide gave me an online quote of 204$ for 6 months... That doesn't sound right, sounds low, that's about $35 a month. In January I got insurance for only s month and it was $70 a month... Of course I hadnt had my license 3 years yet.""
""Out of a mini one, mini cooper, fiat 500 and Rav-4 ?
Ok so this is my first car and these are all the cars I like and can get. So could someone plz tell me which is cheaper insurance for a 17 yr old girl and which is cheaper on petrol? Thank you xox
afford car insurance
afford car insurance
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