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browncompton75-blog · 5 years

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San Mateo Moving Company

San Mateo Professional Movers

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perfectirishgifts · 3 years

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What Are The California Travel Restrictions?

New Post has been published on https://perfectirishgifts.com/what-are-the-california-travel-restrictions/

What Are The California Travel Restrictions?

As coronavirus hospitalizations rise across California, businesses and individuals are adapting to a new round of social distancing measures. There are new California travel restrictions to know about before traveling around the Golden State.

LOS ANGELES, CALIFORNIA – DECEMBER 07: In an aerial view from a drone, vehicles line up to enter a … [] COVID-19 testing site at Dodger Stadium on the first day of new stay-at-home orders on December 7, 2020 in Los Angeles, California. Under state order, 33 million residents of California have entered into regional shutdowns in an attempt to contain the spread of the coronavirus as ICU capacity has dipped below 15 percent in most regions of the state. Barbershops, hair and nail salons, museums, zoos, movies theaters are closed while restaurants are open for takeout or delivery only. (Photo by Mario Tama/Getty Images)

California Travel Advisory For Non-Essential Travel

Despite the stricter regional restrictions, California has a statewide travel advisory effective November 13, 2020. This order applies to visitors and returning California residents.

The order strongly recommends a 14-day self-quarantine after arriving in California for non-essential travel reasons, including tourism and recreation. People who self-quarantine can only interact with their immediate household.

Also, Californians are encouraged to stay at home as much as possible. When travel is necessary, Californians should remain within their region to limit the potential spread.

In highly impacted regions, hotels will only offer stays for non-essential travel that exceed the 14-day quarantine period.

Those traveling for essential reasons, even across state lines, do not have to self-quarantine.

Whether traveling for essential or nonessential reasons, there is a statewide mask mandate. Any person above the age of 2 years must wear a mask in public settings.

Regional Stay Home Order

The newest travel restriction is the Regional Stay Home Order that first went into effect on December 3, 2020. Instead of statewide restrictions like in the spring, the newest order applies to specific regions of California.

Regions with less than 15% ICU bed capacity have stricter restrictions under the new guidelines. Counties going below the 15% threshold must observe the Regional Stay Home Order guidelines for at least 3 weeks. After the initial 3 weeks, the region will assess the situation weekly. The restriction will lift when the capacity projects to meet or exceed the 15% threshold.

When the order is in effect, private gatherings of any size are prohibited, except for critical infrastructure and retail. Masking and physical distancing require 100% compliance at all times.

Non-essential travel is impermissible in regions with a regional stay home order. If exercising outside, one can only participate with those in the same household.

California’s Governor Gavin Newsom describes that regional approach as “pulling the emergency brake” to halt coronavirus spread.

Stay Home Order Business Restrictions

Critical infrastructure including schools and non-urgent medical and dental care remain open. Remote contact is encouraged whenever possible. For businesses that cannot offer remote access, additional restrictions are in place besides the 100% masking and social distancing rules.

Below are some of the select sectors that can operate during a regional stay home order.

Retail: Operation at 20% indoor capability (35% for standalone grocery stores)

Shopping centers: Up to 20% capacity

Restaurants: Delivery and takeout only

Outdoor recreational facilities: Outdoor operation only and exclusively for personal health and wellness through exercise. Also, no sale of food, drink or alcohol.

Entertainment production: No live audiences

Hotels and lodging are open to out-of-state visitors. However, those traveling for non-essential reasons must have an itinerary for the entire 14-day self-quarantine period to book a stay. Once at the hotel, non-essential travelers must self-quarantine before going into public.

Non-Essential Business Closures

While restaurants, shops and outdoor recreational facilities can operate under a regional stay home order, select locations must close their doors until the regional shutdown ends.

Indoor and outdoor playgrounds

Wineries, bars, breweries and distilleries

Museums, zoos and aquariums

Movie theaters (except drive-in)

Family entertainment centers

Cardrooms and satellite wagering

Limited services

Live audience sports

Amusement parks

Certain operations within these business types may still be in operation if they provide a “critical infrastructure.”

California Regions

Each California county falls into one of five regions. One can also browse restrictions by county to quickly see the current county risk level and business closures.

Each county has one of several risk levels: widespread, substantial, moderate and minimal. Regions that implement a Regional Stay Home Order have a “widespread” risk rating that closes most non-essential indoor business operations.

Northern California

Del Norte

Glenn

Humboldt

Lake

Lessen

Mendocino

Modoc

Shasta

Siskiyou

Tehama

Trinity

Bay Area

Alameda

Contra Costa

Marin

Monterey

Napa

San Francisco

San Mateo

Santa Clara

Santa Cruz

Solano

Sonoma

Greater Sacramento

Alpine

Amador

Butte

Colusa

El Dorado

Nevada

Placer

Plumas

Sacramento

Sierra

Sutter

Yolo

Yuba

San Joaquin Valley

Calaveras

Fresno

Kern

Kings

Madera

Mariposa

Merced

San Bonito

San Joaquin

Stanislaus

Tulare

Tuolumne

*The San Joaquin Valley is under a region stay home order (as of December 7, 2020)

Southern California

Imperial

Inyo

Los Angeles

Mono

Orange

Riverside

San Bernadino

San Diego

San Luis Obispo

Santa Barbara

Ventura

As of December 7, 2020, two of the five regions have active regional stay at home orders. Those regions are San Joaquin Valley and Southern California. Twenty-three counties are in these two regions with 27.9 million people.

The Bay Area, Greater Sacramento and Northern California regions only have the statewide non-essential travel advisory and county-specific restrictions.

Limited Stay Home Orders

Counties with a “widespread” risk rating also have an evening curfew from 10 pm to 5 am, where one can only be out for essential work and medical reasons. This policy went into effect on November 21, 2020 and applies to counties across any California region. Nearly every county has a “widespread” risk rating at the moment.

A county with a widespread risk rating has more than 7 new daily cases per 100,000 over a 7-day average. Or, the county can have a positivity rate greater than 8% over a 7-day average.

CA Notify App

Californians and out-of-state visitors may soon be using the CA Notify contact tracing app to receive exposure notifications. This app becomes available statewide on December 10, 2020, and works with Android and Apple devices.

No personal information is shared and this app is optional at this time. California is continuing to use its contact tracing program where healthcare workers check in with those who test positive or came into close contact with affected people.

Summary

While the California travel restrictions are not the strictest in the United States, they are some of the most extensive for the West Coast. It’s best to only visit California for essential reasons due to the 14-day travel quarantine that went into effect on November 13, 2020. The regional stay home orders also limit activities for those not in self-quarantine.

FAQs

Can Out-Of-State Visitors Come To California?

Out-of-state visitors can come to California by car, plane or train. However, nonessential travel is currently discouraged across the state. Upon arriving in California, a 14-day self-quarantine is highly recommended.

Hotels in counties under a regional stay home order may require non-essential travelers to book a stay of at least 14 days for the quarantine period or may only offer rooms to those traveling for essential reasons. These visitors will need to self-quarantine at the hotel for that entire period. Essential travelers can waive the quarantine period.

Counties under a regional stay home order have most non-essential businesses and outdoor locations closed. It’s best to check the county travel restrictions before visiting to decide if it’s worth traveling to California.

Does California Require Quarantine?

A quarantine isn’t mandatory for incoming visitors or returning residents but is strongly recommended. Since November 21, 2020, the expanded California travel restrictions strongly encourage a 14-day self-quarantine for all out-of-state visitors and returning residents.

Those traveling for essential reasons don’t need to quarantine but are expected to practice masking and social distancing at all times.

Californians traveling within the state are expected to remain within their region and avoid non-essential travel whenever possible. A quarantine isn’t necessary when traveling between state regions.

Are California Hotels Open?

Most California hotels are open but have operating restrictions. The widest-reaching active restriction are the Regional Stay Home Orders.

According to the California State Government website, hotels and lodging in affected counties “cannot accept or honor out-of-state reservations for non-essential travel, unless the reservation is for at least the minimum time period required for quarantine and the persons identified in the reservation will quarantine in the hotel or lodging entity until after that time period has expired.”

Hotels under a regional travel advisory may only offer lodging for essential workers, COVID-19 mitigation and providing housing solutions including to the homeless population.

Coronavirus Travel Restrictions Updates For December

What Does A Biden Presidency Mean For Travel?

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We have Nationwide homeowners insurance, which is just added to our mortgage. If we get health insurance through them too, do you think they can just add it to our mortgage also?""

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hi there i had an accident back in december 2012 that was NOT my fault but did not declare any points om my licence when i took my insurance policy out, becaus this was not my fault will i still get payed out for my car or any compensation claims elsewhere to thatr accident""

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How much does liability insurance cost? How much coverage do I need?

I am planning a day camp this august. I know I need to purchase liability insurance just in case, but how much do I need? There will be a maximum of 140 girls, 55 leaders, and 30 younger siblings (of leaders), (thats 225 people). The minumum would be roughly 50 girls, 25 leaders, and 10 siblings... I just need a guestimate as I am working on the budget and am trying to figure out how much to charge the attendees.Also, how much coverage do I need?""

How much should a family budget for insurance?

disability,life,homeowners,car,umbrella""

""I just turned 18 and I don't want to take driver's ed, how much will my car insurance go up?""

Due to multiple arrests, I wasn't able to get my license until I turned 18. Well now I'm 18 and able to get my license, I don't have the money for driver's ed though. I was just wondering how much my car insurance would go up if I don't take driver's ed.""

How does one go about getting insurance?

ok I know there is some different insurance types out there like health car etc etc but i want to know how do you go about getting it! see I'm 15 years old I know i shouldn't worry about this now but it just seems like a good idea to ask the question now this one lil question has plenty of other questions with it how many different insurances do you need to have? what should you look for in Insurance? how much is insurance? what is an insurance rate? and the title of this question how does one go about getting it? on that last one I really need a detailed answer because I am 15 I just got back in school so my brain is a bit mushy and not so quick XD and way like I said I'd really like a detailed answer on that last one heck if ya role play it out with your self for me then that would even make it easier so the more questions you answer in this (with a good answer mind you) the more likely I am to choose you as the best answer!

Can I get a life and health insurance license in GA with a misdemeanor Disorderly Conduct?

can anyone find the link that explains the rules for persons with convictions when attempting to obtain a life and health insurance license? I used to have a license, but let it lapse during my divorce. It seems like I remember something about misdemeanors on the application. Thanks.""

Cheap insurance in NC for a young driver?

- I am 19, had a license for 9 months. - I have had auto insurance one time for a month just to get my license (does that mean a lapse in insurance) - I want a non owners policy, so I can go get a car at a dealership - I am a girl - I have had""

Will Geico raise my insurance?

I recently got a ticket for going 30mph over and I will most likely get 4 points on my license if I choose not to hire an attorney. If I take the 4 points, how long would it take to get the points erased for my license? And will Geico raise my insurance rate? I'm in Florida""

Insurance for a non-running vehicles Title Transfer?

Do I need insurance for a title transfer on a private party vehicle that is not running and wont be for a while in the state of florida? Also what is the process for doing so? Thank you, Tyler""

What is the best 50cc moped/scooter's around insurence wise?

For my 16th Birthday my dad is going to buy me a second hand moped, I have a budget of 400. I have to pay for my own cbt, licence and insurance. What are the best mopeds when considering insurance? Or are they pretty much all the same? Some friends have told me to avoid the 'Chinese/Japanese' makes if I want to get a good insurance deal, is this true? Are there any other types I should avoid? Thanks so much!""

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Basically i have bought a car and i need to insure it as my dad as the main driver as he has 20+ years of no claim bonuses and it bring the insurance price down to a manageable payment for me.the problem is that its not with the same company that my dad is currently with and he doesn't have any recent renewal quotes so i don't have proof of his no claims bonus.how can i get proof and will i need the proof before i try to get the insurance ? im 18 and a first driver so i really need my dads ncb to be able to afford insurance

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so when i was 21 i got a dui (it's called an oui here in Maine, but same thing). PLEASE DONT JUDGE ME I KNOW I WAS YOUNG AND STUPID. anyway, i ended up selling my car to pay for the whole mess since my license was getting suspended anyway. since then i have been a happy bicycle commuter! now the time has come for me to become an adult woman again and get my license back because i have enrolled in a college that is not in biking distance. I have signed up, paid for, and in 2 weeks will be taking the DEEP class required by the state of Maine in order to be licensed again. basically i am curious about my insurance premiums. i haven't had my license for almost 4 years, but i have read online that your insurance will have to be sr22 and all expensive and whatnot for THREE years. also, i have since turned 25 and will be 26 soon, so i expect a rate decrease from that. i guess my question is: have i managed to bypass the higher insurance rates because it has been 4 years? if so, it almost seems too good to be true. i am highly suspicious. can anyone give me some insight as to what to expect when purchasing my insurance? thanks chums""

Car insurance problems?

so I have a little situation with my car insurance company, so heres the deal, I bought a car a wild ago, it was on my brothers name and I was cosigner, we had an nsurance and everything, but then it broke, I couldnt drive it, so we canceled insurance, why pay if it doesnt drive? then I refinanced it and transferred on my name, I didnt tell the bank that the car is broken, but they wanted me to show them proof of insurance, which I went out and bought, because Im going to trade this car in and get new one, and I have no problem paying for new car, but now insurance company wants me to send them a proof of previous insurance. what should I tell them, so my premium wouldnt go up? should I tell them that I just purchased the car? because technicly It went on my name recently. Im lost""

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Hi Guys , I'm a beginner in IT industry. let me know which insurance or Tax exemption Payments are better .. LIC, TATA AIG or Kotak insurance or anything else ..""

Cheap V8 cars to buy? (under $15k)?

I am looking to buy my first car in about April and I need something cheap to start with as I will be selling it for a better car once I make the money. I am going to start working after April so need a cheap car to get to work. I have always been interested in V8's because of the sound. I would like a 4 door too. What do you have in mind?

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i know this isn't a pregnancy question but i believe moms would know about their health insurance and this is the only category where i get an answers so thanks in advance moms! i dont have hundreds of dollars to pay for insurance. if i did i could go to the doctor without it. i need some health insurance that i can afford. anyoe have any ideas?

How diabetics get affordable insurance w/ maternity coverage if your co. does not offer grp coverage?

My husband's company went to a high deductable health savings account. I can only get one company to insure me, on an indiv. policy. They are too expensive and that does not include maternity coverage. Due to other health issues, I am not able to work right now. Any ideas? HELP! Am I the only one going through this?""

Car insurance black box (auto saints)?

I am going to have my car insured with a black box soon from auto saints, because it's much cheaper than any other insurance that I have looked at. My question is, after the second year does the insurance go down a lot with a years of no claims bonus (my friends say it doesn't) . So is it worth it? and do I have to keep the black box for the second year as well or is worth it changing insurance company after the second year?""

What will happen If I appear to court with NO car insurance?

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How would my insurance company know this if I don't tell them?

I am getting ready to buy a home (Already selected, move in will be next week) and I own a German Shepard. I am currently shopping for homeowners insurance, and I know that many companies will not insure you if you have an aggressive breed of dog, and the ones that do will give you higher rates because of it. So I was wondering, what reason do I have to tell them that I have an aggressive breed? When they come to inspect the home, my friend down the street can watch my dog for a few hours. If I were to just leave out the fact that I have an aggressive breed so my rates will stay low, how would the insurance company ever be the wiser? PS: This IS a repost. Last time I asked everyone said Well it's misrepresentation and if you have ever have to make a claim, then they can deny you because you lied about the dog. Yes I understand what the consequences would be, that wasn't the question. My question is HOW could they ever find out in the first place? If I have to make a claim for say, a fire, then I could have someone take my dog for a few hours again and make the claim without having any reason to mention the dog? So how would they ever know?""

Cheap Life Insurance?

So I need a life insurance, and I don't know what term, universal, and whole life insurance is. I don't really have a budget, just under 300 dollars per year I guess. By the way I'm 13.""

""How much would insurance be on a $39,000 Lexus LS 460 car?""

Im probably gonna buy my dream car that cost $39,000 but its valued at $43,000. Its a 2007 Lexus LS 460 and i want to know how much full coverage insurance would be? I have a good driving record with no accidents and just need a basic idea. Thanks!!""

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Young driver insurance quote?

Hi guys I was checking insurance for myself for when I passed my test in December and I have been quoted 3500. Now that was with my mum on insurance as a second driver. On my own it was 3600 on an Reno Clio 2000 1.2L. I'm 18 and only live with my mom. We're not made from money so I won't be able to pay that much for insurance. Is it this'd high because I'm from Poland (been in UK for 7 years) or is it because I got it from one of the comparison websites (compare the market, go compare). All answers are appreciated and thanks for reading. Jake""

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How much would auto insurance cost?

I am going to be driving soon (I am 15) and I'm looking into buying a car/truck. I would like to know how much it would cost for me to get insurance so that i can drive soon. Thank you!

""Does the bank require you to buy flood insurance in antioch, oakley area? (california)?""

Does the bank require you to buy flood insurance in antioch, oakley area? (california)?""

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ABSOLUTELY NO SPAM REPLIES PLEASE!!!

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My insurance company wants to use reconditioned parts, and they are pressuring us to accept a check made out to us and the finance company. Not enough to pay it off or fix it. My vehicle is a loaded Suzuki Grand Vitara with all kinds of electronic stuff. Which were mostly scattered across the road after the deer committed suicide. They (the insurance company) had it towed to my home after the accident because there were no dealers in the area and my home was about 100 miles closer than Dallas. Now they are saying we have to pay to have it towed the 100 miles to the nearest dealer, or use someone local. They are also saying that we contacted the towing company and they are the ones who arranged the tow. There is no one local (car repair shop) who can work on it and get it right. I am afraid if we use someone local it won't be fixed right. The estimate they gave us has parts coming from a salvage and reconditioned parts dealers. I need to find a lawyer who can make them fix it right. If it can't be fixed right then I need them to total it. I have looked in the yellow pages and all of the accident attorneys want injuries. What kind of attorney do I need for just auto damage? I have never sued anyone before. HELP!!!""

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While driving your Mazda to Gibson City, Illinois, you hit a cow that was standing in the road. Although the cow is not seriously injured, your car is badly damaged and will not run. It costs $100 to tow your car to the nearest location that can repair it and $2,200 to repair your car. Since you do not want to be stranded in Gibson City, you rent a car for $30 per day for the 3 days it takes to get your car repaired. Your policy will pay: A. $ 1,890 B. $ 2,200 C. $ 2,360 D. $ 2,390 E. None of the above While driving your twin brother, who is visiting with you, around campus, you accidently run into a tree. Your brother is injured and incurs $7,000 in medical bills. It costs $2,500 to repair your car. Your brother sues you (so much for his next birthday present) and wins a liability award of $20,000. Your policy will pay: A. $ 4,000 B. $ 9,000 C. $ 20,000 D. $ 22,000 E. $ 29,000 While driving on campus, you are hit by a car that runs a red light, resulting in bodily injury to you of $110,000. The other driver has liability limits of 20/40/15. How much will your insurance pay? A. $ 0 B. $20,000 C. $ 80,000 D. $100,000 E. $120,000 Assuming the same coverage, type of automobile, territory, and driving record, which of the following persons would you expect to pay the highest premium for automobile insurance? A. a 35-year old single female. B. a 20-year old married male. C. a 20-year old single male. D. a 20-year old single female. E. a 35-yer old single male.""

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I was turning left from a stop sign and hit into another car (checked both ways, had some parked cars blocking view but I inched forward to check before driving.) My car only has minor scrapes, his car has a broken headlight and some bumper damage. However, he told me at the time he has no insurance and wanted me to just give him cash on the street. I told him no, I would not pay anything unless we called the police which he did not want to do since he has no insurance. I am fully insured. We ended up both just leaving and I have his license plate number, name, and phone number. He has my license plate number only. Without insurance, can he try to get any money from me? Just wondering if anything should be expected of this situation...""

Health Insurance Vs No Health Insurance?

Joe is currently unemployed and without health insurance coverage. He derives utility (U) from his interest income on his savings (Y) according to the following function: U = 5(Y1/2) Joe presently makes about $40,000 of interest income per year. He realizes that there is about a 5 percent probability that he may suffer a heart attack. The cost of treatment will be about $20,000 if a heart attack occurs. a. Calculate Joes expected utility level without any health insurance coverage. b. Calculate Joes expected income without any insurance coverage. c. Suppose Joe must pay a premium of $1,500 for health insurance coverage with ACME insurance. Would he buy the health insurance? Why or why not? d. Suppose now that the government passes a law that allows all peoplenot just the self-employed or employedto have their entire insurance premium exempted from taxes. Joe is in the 33 percent tax bracket. Would he buy the health insurance at a premium cost of $1,500? Why or why not? What implications can be drawn from the analysis?""

I cant find cheap car insurance HELP?

im 60+ male i want to buy a car for 900 pounds but the insurance is 500+ ive not got a car yet but will be a small car not for work but for every day and only 13-1400 engine size im in the uk can you advise on cheap car insurance tanks

I need cheap insurance for saxo 1.6 vtr?

ive just passed my test and already had a car which is a citreon saxo 1.6 vtr, ime 26 and getting quotes for 5000. i only paid 600 for the car. does anyone know where i can get cheaper insurance on that car. thnks""

Are you required to first get an estimate from your insurance for car repairs?

I recently got into a car accident and I'm trying to get repairs done. Do I have to get an estimate of damages from my insurance company first or should I go ahead and get estimates from an auto shop? I've heard that if you get your car estimated by the insurance company first, they tend to overlook problems and try to write you a quick check and normally won't give you more money if more damages are found by the repair shops. But I don't know if I'm supposed to get my own estimates first? What should I do? Thanks!!""

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I am trying to get a quote for car insurance, but am a bit stuck. I got my South African licence in 2002 and exchanged it for my UK one October last year. When they ask you how long you have held your licence....do I say 5 years or less than 1 year. Does the South African one count....I really hope so. We drive on the same side of the road and everything. Thanks""

""How much are you paying for car insurance, mine is...?""

Right now, I pay $74 a month on a 97 4 runner. Is that too much or am I over reacting?""

Can i renew my geico auto insurance for just two months rather than six months?

my insurance expires in oct but i'm planning to sell my car by nov. so i don't want to pay for my 6 month renewal in oct. is there a way out? thanks for all suggestions.

Is it common for homeowners insurance to up without notice?

I have only owned my home for a year. I got a letter from my mortgage company stating that my payment would go up because my taxes and home owners insurance has gone up. I contacted statefarm to find out why my insurance went up (i was not notified) and was told that the company increased my dwelling coverage. Is this common?

Can I switch Car Insurance 2 weeks later if I am financing a car?

I bought a car and I am financing it through the dealership. I got it insured but now I found a cheaper premium through a different Insurance Company, so I would like to switch. This is about 2 weeks after I put it on the original Insurance Company. And is there a fee for canceling the Insurance so I could switch to the other company?""

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How large is the difference of a subaru brz coupe and a kia optima sedan? If the factors are constant besides the cars for a 16 year old male?

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i backed up into a car today and there is no damage to my car but a dent in the others hood, and i said lets call the police and they said lets just exchange information, i said no i'd rather have them come...they said they called when i was getting something in my car and said the police said they would take a while so we decided to exchange info...i got her license but they said they didnt have the insurance info with them....but in the mean time i gave them my info...now i have a feeling that maybe they didnt have insurance and there is no police report so what can happen now?""

Health Insurance question?

My husband's boss won't offer them Health Insurance. Where can I call or what can I do to ask if he has to offer them insurance or not. Please help!!!!!

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https://www.linkedin.com/pulse/usa-insurance-quotes-net-brian-lee/"

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furiousharmonykryptonite-blog1 · 6 years

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Can I sue the insurance company?

"Can I sue the insurance company?

ok so my doctor gave me some samples of antidepressants and I went back yesterday and she said she didn't have anymore and she'll have to get me a prescription. well I went to the pharmacy to pick it up and they said that my insurance won't cover it and it cost 300 dollars for the medicine and I don't have that kind of money. what do I do? can I sue them? how can they just take me off of my medicine like that? i'm actually feeling a lot better now and happy. I don't want to go back to the depressed, anxious me. what do I do? i'm really angry right now. i'm just 18 and I don't know much about suing people or insurance. my parents know more about that stuff but I don't.

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

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I'm moving to florida from new jersey.?

Anything I should know before I move? Like is rent cheaper or auto insurance or like anything that would surprise me?

Car insurance for teenagers!!?

I'm currently 19, I've held my driving license for 9months, since February. I've done the pass plus thing which in my opinion and everyone else's opinion a waste of time as it doesn't really save you that much off car insurance. Car insurance for me and my friends are through the roof, the only way to get lower car insurance is to get ourselves named as a named driver through our parents as they've got many years worth of no claims bonuses. Or to even change the address of where we live, such as a family or friends place, which is away from London and off the public roads. car insurance is a cheaper that way, as well as if you pay it annually instead of in monthly instalments. I work and basically want to get a car that is relatively cheap to insure, around the 1000-1500 mark not 4000 mark. I've tried fiat punto's, corsa's, the lot and they all seem to give me quotes of 4000 when the car is worth like a 1000. Its absolutely ludicrous, I want to be the owner of the vehicle so I can start my no claims bonus, otherwise my insurance will be high for some time, but i don't want to pay 4000 or go as a named driver as i will not work on my no claims bonus. Any suggestions? I both want and need a car, buying the cars not a problem, running the cars not a problem, paying for road tax or MOT's is not a problem it's just the insurance which is the main problem!!! Any suggestions would be greatly appreciated! :) Thanks in advance-Mike""

If I own property and pay insurance from 2 different insurance companies.?

If something were to happen to my property can I collect money from both insurances?

Will the insurance company cancel my car insurance after a DUI in VA?

i got a dui in VA, is offence, .08 bac, well i got convicted of yesterday. i have to do a DWI Education classes and have a restricted licence to drive to work. my insurancce is still valid for a good 6 months. do i have to inform the insurance company, will i lose my insurance, do i need a sr22 or not. please advice..""

""How much do people pay (per month, year etc) for car insurance?

The price can be per month year etc.

Where to buy affordable health insurance?

I was forced to retire at the age of 64. I am not eligible for medicare until Sep of 2011. Looking for health insurane I can buy now

""What is a good, affordable health insurance?

I'm looking for some health insurance for me and my husband that we can actually afford. We live in NJ and the policy we have now is going up way to much now. We are looking for something we can afford with little to no deductible would be great too.

How much would insurance cost around for a 2002 ford explorer for a 16 year old?

please don't tell me it depends and such...i just want a range Thanks

""I am 21, and have been driving since I was 16. How much will my insurance be?

My parents always paid for my insurance (dont hate) and now I want to use the car for a courier service. How much do you think my insurance will cost me?

Can I take my car to get repaired anywhere even if my insurance says no?

I got my window broken when someone broke into my car and I had an appt at the dealership where I bought to the car to get it repaired ASAP (and was going to) but my insurance nixed the idea. They said they wouldnt pay a dime if I did that. I HAVE to go to their suggested business. Now I have to drive to and from work with a taped up window for 2 more days till THEIR guy can fit me in. Is this legal??? It seems so unfair. BTW- I have Mercury auto insurance and I live in California.

If i got a car as a gift and dont have insurance and a car hits me is that ok?

my friend gave me a car and i dont have insurance, but a guy hit me this morning, will his insurance pay for it?""

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?""

Long Term Care Insurance?

Please give me the pros and cons of obtaining long term care insurance. What is the criteria, and who should buy long term care insurance? Conversely, who should not, or who does not need such a policy? What does it cover and what are the variable costs. Also, does it help prevent you from going into a nursing home should that be indicated? Thank you!""

How much would it cost to insure a pontiac firebird?

Im turning 16 soon and will be getting a car I was wondering how much money it would cost to insure a 1997 Pontiac Firebird.

Do you need motorcycle insurance in Georgia?

do you need motorcycle insurance in Georgia

What is the best car insurance to get?

Cheap, reasonable, and the best.""

What is the cheapest car insurance?

I'm 18 and i have a 2000 honda civic. Please help

Where is the cheapest place to get renters insurance?

My land lord is requiring everyone to get renters insurance now so im just looking for the cheapest most basic insurance I can get.

When you get a car insurance quote do you pay that amount each month?

Say my quote says 600 dollars is that what I pay a month?

Car insurance question?

I only renewed my car insurance 5 month back and paying a load for it. I just found I can save 30 a month. on the whole I would save even after another initial payment. Would it be a good thing to swap insurance companinies for this and can I swap.

If i cahnge car insurance after 7 days of getting it due i have to pay the full amount??

Heres the deal i got a car and put safe auto on it. i then wrote the postdated check for 7 days from then. well today (5 days after getting my car) i found a lot cheaper insurance. CAn i canel the saufe auto and not have to pay the full amounnt??? or do iahve to essentially pay 2 full months of car insurance????

Can I sue the insurance company?

What should you do if you hit a car but have no insurance?

my friend hit a car the other day but he has no insurance,the damage done to his car was very minor and he only scuffed the bumper of the other car, it appears the other driver wants to claim, should my friend admit to no insurance ? please help ive run out of ideas for him..............""

Car insurance for new driver that will not drive far..?

HI, I am turning 17 in november, and already looking at cars. The cars i am looking at are getting insurance at over 5000 (im male) a year fully comp! The car is only like 2500..... The thing is i will barely use my car as i live really close to school, so will walk all weekdays - especially as i am banned from parking in school as i live too close. I will occasionally use it on weekends - but if i go out in the evening im not going to take my car - drink driving.. So the only time i will use my car is quite alot in the holidays and very occasionally on some weekends, and therefore think 5k for a few car trips is ridiculous.. So is there any form of insurance where you pay for how far you drive? BTW the cars i was loooking at are 1L's, peugeots and vauxhalls mainly. These ok? Im looking at nothing over 60,000 miles and 7 years old max - i think i will do 3000 max a year. IM looking to sped about 2500 on a car, but need cheaper insurance than that! Hope you can help Many Thanks""

How much would it cost on insurance average for a 17 year old owning a street bike?

im looking at 2012 ninja 250r kawasaki street bike and wondering the average insurance monthly and im 17 years old

What is a good name for insurance company?

Since Obama wants to make the health insurance mandatory. I thought that the only way to survive in the USA, is to start my own insurance company. Please help me to come up with the name.""

How do I find health insurance for myself as an individual?

I am currently a sophomore in college, and I really hate student insurance, as it covers and pays for almost nothing, and doesn't include dental. Where do I go if i need to get a different provider?""

HOW does indemnity insurance affect Home insurance?

How does having indemnity insurance on a home for buiding work carried out with out building regs affect the cost of Home building insurance?

Car insurance ?

ok heres my problem. i am 18 and i just finished a drivers ed program i want to get my license but i cant because in order to take the road test to get my full license (not a learners) i need a car on which i am insured but i cannot buy a car because in order to even buy a car you need to have some one in the house which you live in who has car insurance and no one in my family drives so they dont have insurance as you can see im in a cycle that i cant get out of... what do i do?

What exactly is a car insurance quote?

literally, is it a QUOTE? what is it?! i feel pretty darn stupid for asking this question. but you know, it's annoying the shiz outta me.""

Car Insurance Coverage and a DUI Question?

My daughter received a DUI a while back, as she put the car in 'Drive' (instead of 'Reverse') and drove through the side of a restaurant. (closed, thank God!...No people there) She refused the Breathalyzer, and was taken to the ER for about 7 hours. She was given a DUI. This car was titled, registered and insured by me- I am her mother. She is over 30 years old. The insurance has covered to fix the car, but the restaurant has retained an attorney. (I live in SC and have $100,000 property damage on the car) Yesterday, my insurance adjustor called to ask for a release of my daughter's medical records, so they could meet with the restaurant's attorneys and show that she was not drunk. Well, she was drunk, and my daughter's attorney has told me not to release that information, as it is a violation of her rights- she already refused the breathalyzer, etc.Also, she WAS drunk, and this would only release that information possibly to others. Please no rude comments about all of this- I get it! Question: Can my insurance company refuse to pay for my daughter's ER bill ($13,000) AND the property damage, AND whatever else- due to the fact that they are going to decide she was 'drunk.' ??? Is there any way to protect my assets? Specifics would be great, if you know them. Thanks.""

New Car with Hail Damage - Insurance?

I am looking at buying a new car that has minimal hail damage to the bonnet and roof. About 10 tic tac sized dents all up, extremely hard to see. They are discounting it heavily and I really like the car but when I rang up the insurance company today they said they will not insure it. Does anyone know any companies that will insure a BRAND NEW minimally HAIL DAMAGED CAR? (Melbourne, Victoria, Australia)""

I'm having trouble trying to get under my dads insurance policy?

I've just gotten my license and found a car I was going to buy so I called my Dad's insurance company to try to get under his policy. However they said I cannot go under his policy because she knows that I will be the primary driver as well as the fact that my dad is already the primary driver for two other cars. Without my dad my insurance rate is around $4500/yr. My dad does not speak english very well so I have to do the calling and talking. What should I say and do so I can get under my dads insurance policy?

My Car Insurance won't pay for my car accident?

I Totaled my 2000 ford mustang gt at an intersection, it was my fault. I ran into a car, and that car hit the car in front of him as a result. So technically i was responsible for damages of 2 cars. I only had liability so i knew my car wouldn't be fixed. But now my insurance company said that my payment for that month was processed the day after my accident, so i wasn't insured on the day of the accident. I just found this out, and i want to know what will happen now that my insurance wont pay for the damages? will the other people's insurance sue me? All answers are appreciated! Thanks!""

Where can I find information on low rate home owner's insurance?

I have a hmeowners insurance since I bought my home 10 years ago. The premium has gone up about 25%. Want to find out better rate from good companies - websites etc information

Will my wreck affect my dads insurance rates?

I'm on my step dads insurance on his buisness truck. If I got into a wreck would it affect his insurance rates or just mine.

How much will my insurance go up for a speeding ticket?

I got a speeding ticket in July going 100 mph in California. I live in AZ and was visiting when I got pulled over. I got a notice in the mail saying it's mandatory for me to appear in court. Does anyone know how much my insurance will go up? I'm 25 yrs old and this is my 2nd speeding ticket. The 1st one was in AZ and it doesn't show up on my record because I went to driving school.

Insurance Forum?

Are there any good forums that discuss insurance products without trying to sell you something?

I need health insurance. I am 60 years old and live in Pa.?

There is no state program I qualify for, because I am on Social Security retirement. I need an affordable health plan which includes screening tests (MRI's, colonoscopies, blood ...show more""

How much would car insurance cost for me?

i'm 16 and i live in the southern california area, around north hollywood. i would be driving a honda accord, thats leased so far but we're (family) is planning on buying it soon. i also have pretty good grades. how much do u think it would cost? and which auto insurance is best and the cheapest?""

I am looking for car insurance for a courier?

this is different from regular insurance.. is there any service that offers just courier insurance. one who uses their car to make deliveries

Will my parents insurance go up?

My parents have state farm. I'm 17 and I just got my license. I would want my name under my moms car. will my parents insurance go up? and if so about how much?

How can i get cheap car insurance in the UK?

hey people, i have tried getting cheap car insurance for a while n i have had no joy. the cheapest i have got it is about 2,897 that is ridiculas for a 18 year old male at college who hasn't got a penny spear! i got a car givin to me a 1998 ford fiesta 1.25 zetec and i need help pritty bad. please help me!!!!!!!!!!""

How much would you expect motorcycle insurance to cost me?

i live in san diego county, i'm 19, i've had my license for about a year (i have one crash on my record from when i was in a car on my permit, with no injuries), and i want to get a honda rebel 250 cruiser.""

How much does is a ticket if you are pulled over without registration and insurance in CA?

A girl I just started dating, who has lived in California for a few years, has not registered her vehicle in CA. She drives around with out of state plates, expired stickers, and does not have insurance. How much will it cost her if she get's pulled over. and what other non monetary consequences will she will face. I have stressed the importance getting it registered, siting scenarios such as, what if you are in an accident and are seriously injured or seriously injure someone else, without insurance, who pays for the hospital bills? . For some reason that does not create enough sense of urgency.""

Best car insurance quote for a 17 year old. (UK)?

im going on my parents insurance, and i need the cheapest insurance as possible. i heard a company named something like 'quantitive' do a good price? but im not sure... looking for no more than 2000""

""For an fha home mortgage what is a rough estimate of how much we can get, me and my wife combined make?""

69,000 a year, we have a car payment at 325, student loans total of 460 a month, a credit card payment of 15 a month with a balance of only 30 left, other than the normal cell phone bill and utilites car insurance etc that basically all we have , my credit score is a 688 , and my wifes will soon be around a 640 so we have the required score for an fha loan""

Can I sue the insurance company?

Can I have military health insurance and Regular Health Insurance?

1.Am I allowed to have both military and normal health insurance? 2. Can I see regular nonmilitary doctors with Military health insurance?

Cheapest car insurance uk?

I know it also depends on what car you have but just a rough guess how much will it cost for me I'm 21 Iv also heard that the older you are the cheaper the insurance

What is the best health insurance in CA right now?

I need help. I don't have health insurance right now and I want to find an affordable one. I live in San Francisco, and I work part-time. I look at Athem insurance and it was around 60 bucks a month. I can't really afford that right now. Is there any other health insurance that is affordable and good?""

What are the odds of insurance rates increasing after a ticket?

Okay, so late last year, I had a run in with a cop on the freeway who pulled me over for speeding. After having a lengthy talk with him, I managed to talk him into just citing me for some dice I had on my rear-view mirror. It ran me a little over a hundred bucks, and I don't think it really effected my insurance. Now, just the other day, I got caught in a speeding trap on the freeway and got pulled over, and this time I did get a ticket for speeding for doing 81 mph. Now, as far as I know, insurance companies only check a person's MVR once every three years or so, but I've only just begun to research the subject. So my question is, given the information I just provided, what are the odds that my insurance company finds out about my new ticket and raises my rates?""

""If you are driving someone else's car while they are in it, does insurance cover an accident?""

Hey, I have my full G license however I am not insured under any car because I do not own a car. However, my girlfriend does own a car and we're planning on going on a trip which requires 12 hours of driving. She wants me to drive but I am unsure that if we got into an accident we would be covered. So question: Are we covered by the insurance company in the event of an accident Note: I am driving, have no car or insurance in my name on any car She is in the passenger seat during the whole duration of the trip""

How can I lower my insurance?

I m paying 660 for insurance I have liability I live in upstate ny they told me my insurance was so high because they spotted me in brooklyn run a red light I work in brooklyn n my agent say I need to have a lease to lower my insurance again I wanna lower it to the max If any body got any advice or idea I will be glad to hear a few of them list all the possible options

Insured driver drives uninsured vehicle and crashes into my car. Is her insurance responsible?

Basically a woman who has her own insurance drove her friends uninsured vehicle and crashed into two parked cars including mine. Will the drivers insurance par for the damages or will they get out of paying? I have my own insurance, but I don't want my rates to go up because of this moron which is why I would rather have the drivers insurance pay for it. Any advice would be appreciated.""

Will i still get accepted on my husbands insurance while already pregnant before him getting the job?

I recently found out that i am pregnant and i'm planning on getting medicaid but i'm not sure that if once my husband get a job with health insurance if it will affect the medicaid and that if me being pregnant before him getting the job would affect me getting accepted to his insurance?

According to the TV everyone is talking about cheaper car insurance.?

I have never heard anyone talking about cheaper car insurance. Is it me?

""Poverty level, affordable health insurance plan for a family of 5?

i want to help my parents find health insurance that they can afford

How long do I have to take traffic school after i receive a speeding ticket in the state of California?

I already paid for the ticket that I received last December but my insurance went up, can i still take traffic school to get it off my record? If not, are there any ways I can lower my insurance?""

Where to go for car insurance?

I live in Missouri and plan on getting a new car soon. I need car insurance and would like to know what a good car insurance company would be. I'm single and live on my own and ...show more

How much would nyc car insurance be for a 19 year old insuring only himself? ?

How can i get cheap auto insurance in texas being 20 years old?

im 20 years old and im finally getting my own truck but I don't really have a whole lot of money so I cant pay an outrageous price for auto insurance. liability is fine with me but what is the cheapest I can get.

What happens after i complete traffic school for a speeding ticket?

I'm 17. I got a speeding ticket in February, payed it in March, and finished traffic school this month. I went to take my traffic school certificate this week. Does this mean it is cleared? I live in California? I'm wondering because I'm trying to get an insurance rate and it asked if i ever got a ticket.?""

Looking For Auto Insurance?

Im needing help looking for auto insurance. I just got dropped from my fathers insurance company due to the fact that ive had 2 accidents and three speeding tickets in the last three years time. Yes i know thats bad and im not looking for the smart comments i just really need help with any insurance companies that anyone knows of that will consider covering me. Thanks so much for your time.

Does your car insurance premium change?

Hi, Im 16 turning 17 and im getting my license in 9 days. Someone told my family that if we take a crap car like my 2002 honda accord to my test and use that to get our insurance, then the price of insurance on that car will be what we will pay for any other car for the rest of my teenage life. If i were to take the honda to the test, get the insurance, and say lease a newer car, will my insuracne cost stay the same as what we were charged for the honda? Sorry its long and confusing""

What is the difference between 'underwrite' and 'insure' ?

are they the same?

Can i change a court order insurance?

My kids have been on medi-cal since i separated with their father and it has been great. I have a child with special needs and we were able to go to the best clinics in town like UCSF and Stanford. i felt that my child gets the best medical care. The court ordered the father to provide a new insurance and we came to Kaiser last year. In almost a year dealing with Kaiser doctors i don't feel the same professionalism and quality of care as we used to get being at different other clinics. I started to think of changing the coverage to what we had prior to this. But i am not sure how i could change the court order and what evidence i need to provide asking for the change. Kids are still on Medi-cal, but its their secondery now.""

I'm moving to florida from new jersey.?

Anything I should know before I move? Like is rent cheaper or auto insurance or like anything that would surprise me?

Can my car insurance be cancelled?

I have had insurance for 20+ years. I recently called them to tell them I had moved. For the first time EVER they are insisting (through phone calls, mail and email) that I MUST give them information on who I live with and what THEIR car insurance is. I don't want to give this out. Can they cancel my insurance? Has anyone ever heard of this?""

Motorcycle Insurance?

I am looking at a red 2007 Honda Shadow VLX. I'm a 21 year old female, I'm on State Farm with my car, living in Lake Charles, which is probably one of the bigger cities in Southwest Louisiana. Just wondering what average cost might be to insure this bike. Like, minimum or if it's totaled. I only have one speeding ticket from a year ago on my record I believe. Thanks!""

What 125cc motorbike is cheap to insure but will do over 70mph?

Preferably a four-stroke in insurance group 2

Where can I find cheaper car insurance quotes?

I'm 17 in a few months, have a car, and have been checking insurance quotes.""

Liberty Mutual Insurance please help!?

If you use Liberty Mutual for your car insurance, how much is the insurance for two people each under two cars? If not, generally speaking, how much is it for two people to be insured for two cars each? My fiancee and I both have clean records no tickets and in the age bracket of 22-24. Thanks!""

Can I sue the insurance company?

https://www.linkedin.com/pulse/free-insurance-quotes-aaa-john-gutierrez/"

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ronaldmrashid · 7 years

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What’s The Best Age To Have A Baby? 20s? 30s? 40s+?

As a 40 year old, I’m an old first time dad. I’m reminded of my old age every time I bend over to pick up my little one from the bassinet. My lower back aches and my knees sometimes dangerously buckle if they bend too far. Oh to be 25 again!

But then I realize that because we are older first time parents, we don’t have the same stresses as younger first time parents. We’re not stressed about going over a baby budget because we don’t have one. Both of us don’t have a job to commute to. And we’ve built our cozy little dream home in San Francisco. Having more time to spend with our little one is priceless, especially the first five years before kindergarten.

We therefore have two variables to discuss to come up with the optimal age to have a baby: The Biological Best Age and The Economical Best Age.

Given money is the root of all pain and suffering, it’s important to dig deeper into the Economical Best Age. Most articles you read on the subject only address the Biological Best Age.

The Biological Best Age To Have A Baby

It wasn’t until about age 35 that I started seriously considering having a baby. My wife was 32 years old at the time, and they say a woman’s oocytes are best before age 35. We were shown a series of graphs like the ones below regarding decreasing fertility rates and increasing miscarriage rates as a woman ages.

As you can see from the first chart, after the age range of 35 – 39, the rate of spontaneous abortion doubles from ~25% to 51%. Meanwhile, the fertility rate slumps from roughly 340 to 170 per 1000 married women.

I don’t have to explain that going through a spontaneous abortion is a psychologically traumatizing event, especially if you’ve been trying for years.

According to one study by Dunson, David B. PhD; Baird, Donna D. PhD; Colombo, Bernardo PhD, the percentage infertility was estimated at 8% for women aged 19–26 years, 13–14% for women aged 27–34 years, 18% for women aged 35–39 years. Infertility is defined as the inability of a sexually active, non-contracepting couple to achieve pregnancy in one year.

Related: The Difficulties Of Pregnancy

Intrauterine insemination (IUI) is a fertility treatment that involves placing sperm inside a woman’s uterus to facilitate fertilization. The goal of IUI is to increase the number of sperm that reach the fallopian tubes and subsequently increase the chance of fertilization.

The cost for each IUI is roughly $1,000 – $1,600. The success rate for a 30-year old woman with infertility issues is only about 20% a month. For a 43-year old woman with infertility issues, the success rate drops to only 1% a month according to the Advanced Fertility Center in Chicago.

In Vitro Fertilization (IVF) is a medical procedure whereby an egg is fertilized by sperm in a test tube or elsewhere outside the body. Below is a chart of miscarriage rates by age after a IVF cycle. Starting around the age of 37, you can see the slope steepen. At around 44 years old, you only have a 50% chance of conceiving through IVF.

IVF is much more difficult on a woman due to the drugs, hormonal changes, and number of doctors visits required. Further, the cost of IVF is roughly $12,000 – $17,000 per cycle. Can you imagine the stress and sadness of not only losing $17,000, but also failing to conceive after each attempt? Devastating.

Source: CDC

Based on the data, the biological ideal age to have a baby is in your early 20s, and no later than 40. Of course, having a baby after age 40 can be done, as Halle Berry showed us when she gave birth at age 47. Just know the chances of complications are much higher, as are the chances of spending tens of thousands of dollars with no success.

The Economical Best Age To Have A Baby

Some will disagree, but I believe it’s best not to have a baby if you are unable to take care of yourself. In other words, if you are drowning in debt, can’t hold a stable job, aren’t saving any money for a rainy day, hooking up with multiple partners, don’t truly love your partner, and love to snort cocaine every time you go out, it’s best to not be a parent.

Babies are an incredible joy, but require a tremendous amount of time for proper care. For the first several months, my wife and I each spent 20 – 24 hours a day with our little one. In order to do so, we purposefully engineered our lifestyles to live off passive income so we wouldn’t have to work for someone else, ever.

When our baby started sleeping more than four hours straight a night, we finally felt like we could breathe again. Now, we have a more balanced life and only spend about 16 – 18 hours a day each with our little one (includes sleep).

If we had experienced money stress on top of baby care stress and sleep deprivation, there’s no doubt we would have a strained relationship. But because our finances were taken care of, we never fought and only went through occassional mood swings when the postpartum hormones on both sides randomly kicked in for no reason.

Let me suggest some financial guidelines you should consider before having a baby. Please note I’m assuming you’ve already found the right stable partner.

1) A Net Worth Target

According to the US Department of Agriculture, the cost of raising a child is roughly $233,000 from 0 – 17 starting in 2015. If you add in expected inflation, the cost rises to roughly $284,000. And if you add on college tuition, room, and board, the figure easily jumps to roughly $500,000.

Given most of us want to send our kids to college and given the $233,000 – $500,000 figure is for the average middle-income household, the average cost of college can also equate to a net worth target goal before having kids. Yes, of course you can have kids with much less wealth and be fine. I’m just providing some guidelines for those who are wondering.

Related: Target Net Worth Goals By Age, Income, Or Work Experience

Because I started my career in NYC and ended my career in San Francisco, the cost of living was much higher than average. As a result, my colleagues and I punted around the idea of shooting for a $1 million net worth before starting a family. We definitely didn’t need a $1 million net worth, it was just a fun target to shoot for in order to make sure we could properly take care of our spouse and little one in case we were the only income earners. With the median home price of over $1.4 million, and $1 million net worth doesn’t seem that unreasonable.

2) A Career Milestone Target

Having a baby may or may not derail your career progression due to workplace discrimination and necessary time off to take care of your little one. I’m completely for each parent taking a minimum of three months parental leave, and working from home a couple more months if possible. Understandably, some employers don’t see it this way given how competitive business is today.

For any aspiring ladder climber, your 20s is a time to earn your stripes. You’re generally a cost center to the company, which means you don’t come from a position of strength. Only after you start generating more benefits than you cost will you gain negotiating power. And only after your company has promoted you to a certain level will they believe in your value.

Given this logic, you might consider having a baby only after achieving a third promotion or greater. The first promotion doesn’t count for much since you’re going from junior bottom feeder to senior bottom feeder. But by promotion number three, it’s become clear you’re actually creating a lot of value for your organization. Three or more promotions is not a fluke, which means you should feel confident knowing that you’ve actually got good enough skills other companies want too.

My career milestone goal was to make Vice President (Analyst, Associate, VP, Director, Managing Director) before seriously thinking about family. After getting promoted to VP, I felt a tremendous sense of relief because I knew that if I was ever laid off, I had a high chance of getting hired as a VP at a different investment bank.

Related: How To Get Paid And Promoted Faster

3) An Income Target

According to Princeton economist Angus Deaton and psychologist Daniel Kahneman, $75,000 is the income level researchers have deemed where happiness no longer increases the more you make. They partnered with Gallup to survey 450,000 Americans in 2008 and 2009. Thanks to inflation, that income level is closer to $85,000 a year in 2017.

I argue the ideal income level for maximum happiness is closer to $250,000 per couple, especially if you live in an expensive coastal city like San Francisco. According to the US Department of Housing and Development in 2017, a San Francisco or San Mateo family of four with an income of $105,350 per year is considered “low income.” In San Francisco, you can actually qualify for subsidized housing if you make only $100,000 a year.

Therefore, I recommend making at least $85,000 as a household if you live in the heartland of America, or $250,000 if you live in a coastal city before having children. With such income, you’ll be able to ideally afford to buy a home, comfortably pay for children expenses, and save at least 20% of your salary for retirement.

Related: How To Make Six Figures At Almost Any Age

The Best Age To Have A Baby

At what age range can you come up with a $233,000 – $500,000 minimum net worth, get your third promotion, and earn $85,000 – $250,000 a year? The answer is somewhere between 30 – 35 for many focused people. Combine the biological factors found in the first part of this post, and the age range of 30 – 35 seems most appropriate for having a baby.

If I were to choose a specific age, I’d choose 32 as the best age to have a baby for a woman or man because the parent will have roughly 10 years of post college life experience. It takes time to mature as a working adult. 10 years of doing anything should give you enough confidence to take the next step if you so choose. You’re still in a biologically low risk zone and have had plenty of time to get your finances in order.

It’s also important to think about minimizing divorce/breakups after having a baby. One would think that the older you are, the more you know what you want and don’t want in a partner. The more relationships you go through, the higher the chance you’ll find one that sticks, although not always the case.

There’s one final important insight I’ll leave you with. When you have your baby, you will love him or her like you’ve never loved anyone before. Therefore, you will wish you had your baby sooner, so you could have spent a greater portion of your remaining life together.

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Related: The Average Net Worth For The Above Average Married Couple

Readers, what do you think is the best age or age range to have a baby? At what age did you have a baby?

from http://www.financialsamurai.com/whats-the-best-age-to-have-a-baby-20s-30s-40s/

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