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#so like yes the majority of the labor is unpaid but you still NEED paid staff to handle the administrative side of it

oflgtfol · 1 year

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the way some of you people say like oh its a nonprofit which means nobody gets paid…. Like how clueless are you. yes nonprofits tend to use a lot of volunteer labor, but that doesnt mean NO ONE gets paid, because most things require at least a handful of people to be there consistently and put consistent work in just to keep the thing running, which you can only guarantee by putting those people on an actual wage. this means that the money required to pay those full time staff are factored into the organization’s operational costs, which is NOT PROFIT. a nonprofit doesnt mean theres no money involved, it means that the money that is involved is not for profit. it will still have operational costs and the cost of paying the handful of full time employees that keep the organization running smoothly consistently and reliably are considered operational costs

#brot posts #i was a PAID INTERN for a nonprofit organization!#we only had two paid staff for the place (me + my supervisor) and then had something like 30 unpaid volunteers #like the funding we had meant i could only work a set amount of hours a week at minimum wage bc my wage was part of the operational costs!#and we only had a set amount of funding #so like yes the majority of the labor is unpaid but you still NEED paid staff to handle the administrative side of it #bc this thing would not be up and running without my supervisor as a full time PAID employee #and she had so much on her plate she needed someone in my position to help her out #and i was only able to dedicate so much time and effort to helping her because i was in a paid position #and even with the two of us it was still too much for only one full time and one severely part time employee #but thats all we had funding for !

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luvdsc · 3 years

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omg three days after snoopy day 🤲 i don’t think i’m close to any of the nct members except yangyang :’) he’s a year and five days older than me, but i share a bday with heeseung from enhypen even though i don’t stan 😗

and that’s so crazy to think you’ve almost been working for a year !! i feel like i recall when you first got it? but omg the nostalgia i’m getting from that message 💔 even though i’m still in college, online learning made it hard to experience that stuff :’) i miss the parties and accidentally sleeping in and then running across campus to get to class only to realize you got the day wrong. but !! i’ll be able to move back in the fall and i’m super excited :’))

and thank you so much cat !! 🥺 i’m super excited for it, but i’m going to be a bundle of nerves like omfg i have a class right when my meetings for the internship starts 💀 and during my interview the ceo called me a chill person and i feel like that was a euphemism for apathetic 😭 my face lowkey doesn’t express as much as i want to

i don’t get paid for it rn but hopefully if i keep interning there i will !! but also i’ll be looking for paid opportunities on the side too :’) this was more of a way to get my leg up and get some experience in before moving to bigger things

aaa ikr what are the odds of being born so close to the birthday of the only fellow 98 liner in nct?? 🤧 omg you’re an october baby! 💕💕 i love that month because it has one of my favorite holidays :’) and that’s so cool omg :o i technically share a birthtime (?) with kevin from the boyz since he was born feb 23, 1998 in korea so with the timezone differences, it would’ve been around the same time askjdfhaks

it’s been so long 🤧 this also marks one full year of social distancing / quaranting because i remember going home for spring break and telling my friends i’ll see them after break and then i never saw them again 💀💀 omg yeah i feel really sad for all of you who are in school still because you’re all experiencing a whole year of online school and not getting the full college experience ): but omg LOL YES i remember that too 😭 i overslept for a final once and ran to class and came an hour late 😅 it’s so exciting that you can move back in the fall though!!! will you be living on campus or are you going to rent a place with your friends? 💞

asjdlaskjdfl these internships are truly ways for companies to get free labor legally huh 😔 will this be a summer internship or will you work there year long? o: i hope you have lots of fun at your first job, honey bee 💗 ooo are you looking for opportunities pertaining to your major or are you wanting to explore different career fields? 🥰 and i feel that - i did an unpaid internship too for the experience since it’s needed with the ridiculous requirements all these jobs have like wanting a first level associate with a senior knowledge and 5 years of experience but getting paid an intern salary 🤧

#asks #hyuckworld

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carnivaloftherandom · 6 years

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On Patreon, Content, and The Creative Class

I never got around to setting up a Creator page on Patreon, and considering events of this week, I'm rather glad of that, despite the fact that it was more gnawing imposter syndrome than anything else that made me hesitant.

Patreon fucked up. In so many ways, that I'm honestly still processing them. A lack of veracity, a point of view that elides the microtransactional future in favor of focusing on The Next Big Thing, and the fiscal realities of their creators.

$50 a month can be a utility bill, a full tank of gas, groceries, some leisure time, a reduction of stress, pleasure taken in a night out, a cushion against an unpaid sick day at the day job. $500 a month can mean not needing a second job, or insurance against a crisis. More than $2000 a month, can mean making what you create, your job.

That, despite Patreon's point of view on scale, IS, "Life-changing," for so many creators who frequently struggle with balancing material needs and the time and energy to create with no expectation of being compensated at all.

The bank doesn't care why your car payment is late, the light and heat and water and phone and, and, and... A, "Creative class," isn't an income data point, it's a mindset and need to express oneself. Someone's success, is determined more by luck than by talent. For marginalized, niche creators to have a platform that allows some absorption of financial burdens, so they can practice their craft, is necessary. Patreon has decided that they don't, for whatever reason, agree with this.

And then they went about telling everybody just how much they don't get it, aren't trying to get it, and just don't care.

I have almost 3k followers on Twitter,(most of them real human beings, yay,) close to 1k here. I'm small, small potatoes. I know this. I also know that if even a third of the people who regularly engage with my sometimes loopy, mostly shouty self, felt it was worth investing a dollar a month in encouraging me to regularly produce content, that would be a LOT. It would make the difference between having to stress constantly, and being able to live a fuller life without breaking my back at my day job. Which would consequently, give me the space to imagine projects that take more out of me than writing off the cuff posts on my phone (yes, 99% of my original content is written on my phone in the Tumblr app.)

To see Patreon tell creators who are able to survive, because of those $1 pledgers, as well as telling pledgers themselves, that it's not good enough, is agonizing. Doubly so because I work in fundraising and I can tell you three things for certain:

1. Recurring support is invaluable, in cost-effectiveness and stability.

2. The majority of people who support people-centric ventures, DO NOT HAVE BIG MONEY.

3. Alienating donors is always a bad plan.

And as an aside, when I'm asking people for upwards of $10,000 at a go, you better believe there's a shit-ton of emotional labor involved, which is a factor people don't think about, in the, "Creative class." Self-promotion is hard. You're not just selling what you made, you're selling YOU, that you, yourself, as a person, are worth someone's money and time.

Personally, that's the part I'm really bad at. I can sell other people's work like nobody's business, selling my own is PAINFULLY AWKWARD.

To foster creativity, and a true creative class, means deliberately carving out space for the creatives who will never be the next big thing, it means that if your goal is to give people a way to get paid, especially if you mean it to be a way to eke out a living, you don't look at people who only earn a little and push them out. It means making space for people who can only pay a little, because they matter as much if not more than people who can pay a few hundred on a WHIM, but who may only do that twice a year, if they feel like it. It means thinking of the creative class as both broad and deep. There are working artists, musicians, and actors, who are scraping by, but who are grateful to be able to do that, because they're able to do what they love without starving. Starving artists are artists who can't afford to create, don't romanticize it.

At the moment, I suppose I'm just sad because something that was allowing more people to be part of the creative class without being punished for it, has abandoned them.

Meanwhile, until something takes its place (Ko-Fi is allegedly looking into enabling recurring payments as well as one-offs,) find ways to support people creating things you enjoy and find valuable, because it matters more than any of us will ever be able to say.

Creators are not just content producers, they're human beings who have to be able to eat, in order to keep making content.

#Patreon #pay people who make things

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watchyourrepsmn-blog · 7 years

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Special Session is Done. What Now?

I apologize if this message is less coherent than normal, it was a long night. The Special Session finally ended at 3:00am today with 8 bills passed and heading to the Governor. There were 6 budget bills, 1 labor bill, and a bill to fix all the mistakes made by rushing through all the other bills (yes, really). Governor Dayton has either 3 or 14 days (depending on who you talk to, there’s a lot of confusion on this point) from when he receives the bills to either sign or veto. He also hadn’t yet received the budget bills passed during the regular session so those are also still in play (though much less controversial). Which means there is still time to influence Dayton. Call him at 651-201-3400. Here’s a full run down: The best thing I can say about these bills is that they are less bad then the original Republican proposals. The GOP had to compromise considerably because the lost their majority in the Senate the last day of session (2 Senators had other obligations) and required DFL votes to pass anything. That does not mean these bills are good and some people are calling for Dayton to veto everything and start over. From a budget standpoint, the best description I heard was that this was the type of credit card year you would normally see when we have deficits. Most things are funded for the two years, but they are funded through a mix of one time payments and money transfers that drop off a cliff after that. It’s likely this budget will take us back to structural deficits. I’m going to say the worst bill of the bunch is the Health and Human Services bill and I encourage everyone to urge Dayton to veto this bill. The bill leaves no buffer to accommodate cuts in funding from the federal government which seem not just possible, but very likely. It completely empties the Health Care Access Fund with no way to rebuild the account and it cuts funding for MNChoices by 50%, leaving the counties with an unfunded health mandate that could lead to a 4% increase in property taxes to make up the difference. This is a program for assessing the needs and preferences of people with disabilities to recommend services and resources. This bill under-funds everything, uses a ton of one-time cash, and will cause major issues for our healthcare system. It was also being changed and negotiated right up until the last second (and well after midnight). It’s a poorly thought out, rushed, mess and it should be vetoed. Dayton has said that he will veto the labor standards bill because of the preemption provision that would remove local control to set work policies, like minimum wage and paid leave. This was a direct attack on the progress made my workers in the Metro. The, frankly, sick part of this bill was that the GOP bundled this with continuing paid family leave for government employees. They tried to pit labor against labor but everyone is sticking together, with the unions supporting a veto at the sacrifice of their own family leave. Women who are pregnant now and were planning on taking leave will no longer be able to do so and people currently out on leave may have to come back to work early if they cannot afford to be unpaid. I cannot express how grateful I am for the government workers who stood by the side of minimum wage workers to defeat preemption. Please thank Dayton for this veto and thank the government workers who stood up to this dirty GOP tactic. Rumor is that Dayton might veto the Government funding bill because it moves the Office of Economic Status of Women into a different department and removes its only staff member. This office has been an important part of helping legislators understand the barriers to economic success that women face throughout the state so they can make better policy decisions. The GOP also under-funded the government services forcing Dayton to choose between maintaining service levels or getting money for cyber security. He chose to maintain service levels which means there is no funding for cyber security. People are also calling for a veto of the Education omnibus for two primary reasons: The Tier 1 licensing for teachers still does not include any requirements that the person has had any training in teaching. These licenses are not just for tech or career classes, you could have someone with no teaching skills trying to teach basic science and math fundamentals. Just because you are good at doing something yourself does not mean you can teach someone else to do it. Additionally, there appear to be attacks on collective bargaining rights for teachers (I’m not sure of the specifics). Education funding did get the 2%/2% formula increases they wanted. The transportation bill will require the Met to raise rates to fill a funding gap. The GOP expects rate increases to make up $15 million in funding. Legislators were reporting this will still leave a $100 million funding hole and, after two year, funding drops off a cliff like in all these budgets. It also requires that any money for the Southwest Light Rail project come only from Hennepin county. The state will not pay any cost sharing for that project like they do for other light rail projects. This bill isn’t great but it is world’s better than what they started with and it’s not the worst budget by a long shot. The last bill to pass was bonding with near unanimous support (who doesn’t like money for local projects). What I will say about this is that the DFL started up some dirty late night politics over a bike path in Bloomington (I’m not even making this up). The bonding bill includes money for paving the MN Valley Trail, part of which goes through Bloomington and would pave a currently unpaved trail used by many of the residents of that area. Paving this piece of trail appears to be very controversial in Bloomington. House Speaker Daudt changed the bonding bill to remove the paving for the piece of trail in Bloomington and some Senate DFL members went nuts. They claimed Daudt was trying to scuttle the entire $1 billion bonding bill over the bike trail to please a wealthy donor. Some blatantly accused him of “pay-to-play”. Given the well documented and reported controversy over this trail (it was not hard to find articles about it), that narrative doesn’t hold water. Ultimately Daudt undid his change and the bill passed, but that whole episode left a bad taste in my mouth. Finally, one regular session bill is also raising quite a lot of controversy. The Public Safety omnibus includes language that would prevent the commissioner from changing any rules around driver’s licenses. This is to prevent any change that would allow for a license for undocumented immigrants to be done with a law passed by the commissioner (btw, our current state of not having licenses for undocumented immigrants is because of a rule change, not a law that went through the legislature). Throughout the special session there was sit-in at the governor’s office and some representatives went on hunger strikes in solidarity. They are calling on Dayton to veto the bill because of that poison pill. If you made it this far you can probably understand why some people are calling for everything to be vetoed and to start over. Dayton has 14 days to decide and has said he will read the bills thoughtfully. Please let him know your thoughts, thank him for the things he has already said he would veto, and encourage him to protect the people of Minnesota from an extreme agenda that will push us back into structural deficits. Thank you for sticking with me and for all your hard work and fighting this legislative session. We’re almost at the end, for better or for worse. When word comes out of how Dayton decides on these bills I will let you know. In the meantime, I’m going to take a couple of days off 😊 WatchYourRepsMN ----------------- Learn more about my plans to expand WatchYourRepsMN and become a supporting member at https://www.patreon.com/watchyourrepsmn

#blog

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familycourtcorruption · 4 years

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2019 Labor & Employment Predictions Reviewed

Originally published by Brett Holubeck.

Photo by Kelly Sikkema on Unsplash

If you recall this article from last year article from last year, then you remember that I made some labor and employment predictions for 2019. Some of them came true, but some of them were delayed, likely until 2020. Here is an overview of each of the labor and employment predictions and where the law or issue stands right now.

1. Sexual Harassment Lawsuits Increased

In 2018, the last fiscal year that data is available for sexual harassment lawsuits, the data from the EEOC showed that these lawsuits increased:

The agency also received 7,609 sexual harassment charges – a 13.6 percent increase from FY 2017 – and obtained $56.6 million in monetary benefits for victims of sexual harassment.

The final figures for 2019 are not available yet. However, increasing sexual harassment litigation and charges at the EEOC is a trend that will likely continue. Sexual harassment is not being tolerated in the workplace. Moreover, companies are holding their executives, managers and others to a higher standard than they used to. For example, the CEO of McDonalds stepped down last year for having a consensual relationship with an employee. Again, that is a consensual relationship without any sexual harassment. Many companies prohibit their C-suite from dating anyone at the company. Every company needs to consider how they can prevent sexual harassment. Training for employees, training for managers, and having an appropriate complaint procedure is absolutely necessary, or it will most certainly cost you in the long run. You can read more of how companies can prevent sexual harassment here and in this recent Chicago Tribune article where I discussed office romance in the workplace.

2. The Supreme Court Has Taken Cases to Determine Whether Sexual Orientation is Protected.

The Supreme Court has consolidated 2 cases (Bostock v. Clayton County, Georgia and Altitude Express Inc. v. Zarda) to determine whether discrimination against an employee due to their sexual orientation is prohibited employment discrimination “because of sex” under Title VII. The Supreme Court also took a case (R.G. & G.R. Harris Funeral Homes Inc. v. Equal Employment Opportunity Commission) to determine “[w]hether Title VII prohibits discrimination against transgender people based on (1) their status as transgender or (2) sex stereotyping under Price Waterhouse v. Hopkins.

Essentially, the first cases will determine if sexual orientation is a protected characteristic under the law (whether it is illegal to discriminate against someone because of their sexual orientation). The second case will determine whether it is illegal to discriminate against someone because they are transgender.

The arguments were in early October; most people expect this to be one of the final decisions that the court issues in June. It is anyone’s guess how these cases will be decided. Most people expect that these cases will be highly divided.

3. The Department of Labor is Increasing the Salary Threshold (but I’m Off by 1 Day).

The Department of Labor did increase the salary threshold to be exempt from overtime (employees must still meet the duties test of one of the exemptions), but I missed my prediction by 1 day (it went into effect on January 1, 2020).

I wrote about this a couple of weeks ago. Here is what the DOL did:

The new overtime salary threshold will be $684 per week (which equals $35,568 per year). The new rule also raises the threshold for the highly compensated category from the current threshold of $100,000 to $107,432 per year. The new rule will also permit employers to use nondiscretionary bonuses and commissions that are paid on at least an annual basis within this count towards meeting the overtime salary threshold (but only up to 10%) of the salary level.

4. Paid Family Leave is Still Coming. It was not Implemented Nationally Last Year, but There Have Been Some States that Have Expanded Paid Leave.

Currently only D.C. and 8 states have passed Paid family leave laws. While no paid family leave proposals were enacted last year at the federal level, several states (and the federal government for its employees) have begun implementing paid family leave or increased paid sick leave.

The House of Representatives has approved a bill to give 12 weeks of paid parental leave to federal workers and President Trump has shown support for the bill.

The state of Washington passed SB 5975 in July 2017 to commence a paid leave program at the start of 2020.

Connecticut passed legislation in 2019 that establishes a paid family leave program. Employers must begin withholding and remitting contributions by January 1, 2021, and employees can begin using the leave on January 1, 2022.

Oregon also passed a law that will take effect in 2023 and will provide 12 weeks of paid time off for parental leave, leave for domestic violence issues, and if the person is ill or caring for a family member that is ill.

Nevada passed a paid leave law that went into effect on January 1 and will apply to employers with 50 or more employees. These employees will generally get 40 hours of leave per year.

Washington D.C. residents will be eligible for paid leave beginning on July 1, 2020. Employees will be able to use “8 weeks to bond with a new child, 6 weeks to care for a family member that has a serious health condition, and 2 weeks to care for their own serious health condition.”

Maine passed a law that will go into effect in January 2021 that will require employers with 10 or more employees to provide up to 40 hours of paid leave every year. It is the first state to allow the leave to be used for any reason rather than merely sick leave.

California passed SB 83 which increased paid family leave from 6 weeks to 8 weeks beginning on July 1, 2020 and increases the wage replacement rate.

With this year being an election year, one should expect that more states will begin to pass paid family leave.

5. NLRB Joint Employer Standard Will be Issued Soon

Again, this one was close. Originally, the National Labor Relations Board (NLRB) was set to issue the final rule in December 2019, but it has not yet issued the final rule. It has, however, ruled that McDonald’s should not be held responsible for any labor violations of the franchisers (i.e. it is not a joint employer). The final rule was not published in 2019, so employers should expect that it will be published sometime this year.

Moreover, both the Equal Employment Opportunity Commission (EEOC) and the Department of Labor (DOL) are set to issue joint employer rules of their own in 2020.

6. Independent Contractor Issues Did Arise in Many States

This prediction is a big yes. 2019 may be remembered as a tipping point for issues related to independent contractors. However, it is not due to the actions of the federal government.

The change occurred because of state regulations and new legislation. The biggest impact on independent contractors last year came out of California and New Jersey (which may spread to other states in 2020). California passed AB 5 in September of last year and the legislation took effect on January 1, 2020. To be an independent contractor all 3 of the following elements must now be met:

(A) The hiring entity does not control or direct the worker in performing the work in fact or under the terms of a contract;

(B) The work performed is outside the “usual course” of the hiring entity’s business; [and]

(C) The worker is customarily engaged in an independently established trade, occupation, or business of the same nature as that involved in the work performed.

It is very difficult for many workers to meet the second prong (outside the usual course of a company’s business). This prong (and specifics in the bill) is why the new test has come under a lot of controversy from independent truckers and freelance writers (who are now limited to 35 articles per publication before the company must hire them as employees, and as a result being hurt by this new law). These individuals are losing their flexibility due to the law as they can no longer be independent contractors.

Of course, the law will have an impact on the major companies in the gig economy (Uber, Lyft, DoorDash, etc.), but many of these companies do not plan on transitioning their independent contractors to employees right away as they plan to argue that these workers are not a part of their core business. For example, Uber will argue that they are a technology platform for several different digital marketplaces (Uber, Uber Eats, etc.) that match providers (drivers) and customers (riders) and their drivers are thus independent contractors.

New Jersey was also a major player in changing the landscape of independent contractors this past year. The New Jersey Department of Labor and Workforce Development issued a $649 million fine to Uber for unpaid unemployment and disability insurance taxes, which Uber is challenging. Essentially, the ruling was for Uber failing to pay taxes for these workers because they were misclassified as independent contractors rather than employees.

7. Medical Marijuana Protections Update

Marijuana laws have continued to change all across the country. The Health Employment and Labor blog from Epstein Becker Green does a nice job explaining the past year of marijuana changes.

Illinois became the 11th state to legalize the use of recreational marijuana and the law took effect on January 1, 2020. Under the law, employers in Illinois may still take action against employees or applicants that fail a drug test provided that it is in the employer’s reasonable policy.

Epstein Becker Green’s blog also notes that:

New Mexico and Oklahoma each passed legislation that prohibits employers from discriminating against employees because of their status as registered medical marijuana users; however, the Oklahoma law does provide an exception for safety-sensitive jobs and for situations which the employee possesses, consumes or is under the influence of marijuana at work.

In Nevada, a new law taking effect on January 1, 2020, prevents employers from failing or refusing to hire an applicant because the applicant tests positive for marijuana. Perhaps not surprisingly, New York City went one step further when it passed an Int. 1445-A, barring most employers from conducting any pre-employment testing for marijuana or THC.

Similarly, New Jersey now prohibits employers from disciplining or terminating an employee solely based on that individual’s status as a registered medical marijuana user. While the law does not prevent employers from prohibiting or disciplining employees from using marijuana during work hours or on workplace premises, Garden State employers with a drug testing policy are required to offer employees and applicants who test positive the opportunity to explain the positive result.

Companies should expect more changes in marijuana law in 2020.

8. ICE and Notice of Inspection Statistics

We are still waiting to see the exact numbers for 2019, however, Miriam Jordan’s New York Times article, More Than 2,000 Migrants Were Targeted in Raids. 35 Were Arrested, confirms that 3,282 Notices of Inspection were issued as of July 22, 2019. The article also provides key statistics from Immigration and Customs Enforcement. It appears that notices of inspection are at least on pace to be at an increased level from the Obama administration.

9. DACA’s Constitutionality to be Determined in 2020

The Supreme Court has consolidated three cases that concern DACA (Department of Homeland Security v. Regents of the University of California, Trump v. NAACP, McAleenan v. Vidal)

As I said in a prior post:

These cases basically deal with whether the Department of Homeland has the authority to end the program which 700,000 people rely on. Trump has expressed support for DACA, but wants Congress to act on a more permanent solution (likely as part of a wider deal on immigration).

I thought that the Supreme Court would have accepted the case a bit earlier than they did (in first half of 2019), but the case was ultimately not on the 2018-2019 docket. It is instead on the 2019-2020 docket, so we will get an answer on the constitutionality of the DACA program this year. Everyone expects this to be one of the most contentious cases this term with a decision in late June 2020.

10. Work Authorization for the spouses of H-1B Visa Holders with an Approved I-140 (Essentially their Employer Sponsored Green Card Petition) Will Likely be Determined in 2020.

I thought that the government would have reached a decision on the Employment Authorization Documents for spouses of H-1B visa holders with an approved I-140 (there are some immigrants that are waiting 10 or more years from the approval of their employer sponsored petition for them to become green card holders to them finally becoming permanent residents) in 2019. Fortunately, there has been a delay, which is great for H-1B visa holders as their spouses can continue to renew their work authorization until a decision is issued.

Big Law Business from Bloomberg law explains the current state of the law:

The fate of H-4 employment authorization hangs in the balance as 2019 [came] to a close. It’s been nearly a year since the Department of Homeland Security sent the Office of Management and Budget a proposed rule that would rescind a 2015 regulation extending certain H-4 visa holders—the spouses of H-1B professional workers—the opportunity to seek U.S. employment.

The DHS has offered little explanation as to why the rule remains unpublished, but recently affirmed its commitment to proceed with rescission as early as spring 2020, albeit referring to that timeframe as “aspirational.”

In the meantime, H-4 employment authorization faces a second, more pressing threat. On Nov. 8, in Save Jobs USA v. DHS, the U.S. Court of Appeals for the District of Columbia Circuit held that a group of American IT workers has standing to challenge the H-4 regulation.

The court remanded the case to the district court to address the merits of Save Jobs’ claim—that the DHS lacks authority to extend employment authorization to H-4 spouses absent explicit congressional direction.

Essentially, there is now a court case that will be decided over the next year or two (through a decision and appeals) and a regulation that may be released in 2020 (however, that is what the agency said in 2019 so we will see if that holds true) that will provide clarity on the issue. Of course, if a Democratic candidate is elected in 2020, then these individuals will likely keep their work authorization (or will regain it in 2021).

Conclusion

2019 was a huge year for labor and employment law. 2020 will be another big year as the current administration tries to put out more regulations and decisions before the 2020 presidential election. I will follow along with these pending cases this year, and address them here as decisions are made. I also be making some more labor and employment predictions for 2020, so stay tuned.

Wishing everyone a happy and healthy 2020- and for those of you who have already broken your resolution (did you already eat that piece of pie you swore off of? I know I did.), remember every single day is a day for progress. Cheers to that!

The information provided in this blog is for educational purposes only and is not legal advice. If you need legal advice, then you should speak with a lawyer about your specific issues. Every legal issue is unique. A lawyer can help you with your situation. Reading the blog, contacting me through the site, emailing me or commenting on a post does not create an attorney-client relationship between any reader and me.

The information provided is my own and does not reflect the opinion of my firm or anyone else.

The post 2019 Labor & Employment Predictions Reviewed appeared first on Texas Labor Law Blog.

Curated by Texas Bar Today. Follow us on Twitter @texasbartoday.

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Whats the cheapest car insurance for a young driver?

Im 19 and i have got my test in october, my driving instructor has moved away and so i thought I will get a car, and i had recently bought one it is a renault clio grande 1149cc, im looking for a good insurance quote and an insurance quote that will drop in price when i pass my test because many insurance company's rise in price after the test""

How much would insurance for a 16 year old(male) driving a BMW 2006 650i be?

My parents have no accidents or tickets ect that they look at when you're getting a quote. I just bet them that I could get a quote for this car without them ^_^ I livee in washington 98037. Verryy Much appreciated if you could try and see how much the quote would be. Also, I have a 3.8GPA. (P.S. Don't Be A Stalker)""

How much would insurance cost for a 16 yr old female?

I'm 16 & getting a 2010 Nissan Maxima. Don't tell me not to get it because I'll wreck or trash it. I learned how to drive when I was 12 and I drove all the time when I got my permit. I'm not going to trash it at all. All I need to know if how much insurance might be. A rough estimate because I know everywhere is different. Some few details: I'm 16, a female, straight A student, and really responsible. Thanks.""

""New driver, teen car insurance?""

does anyone know about how much the average teen's car insurance is? im 17 and looking for a car, i have $1750 in my bank account... about how much would car insurance cost me? and how much do i have to pay upfront? i know its sometimes cheaper if you have good grades, and i have straight a's. can anyone help me? thanks!""

How much does a chest X-Ray cost with no health insurance?

i've been experiencing pain in my chest, and i think i need a chest X-Ray. the only problem is, my insurance papers haven't gone through yet, and they won't for about a ...show more""

How much should health insurance cost a 24 year old female in los angeles?

I'm looking into geting health Insurance and i not sure how mush it would cost a healthy 24 year old female who's monthly income is ruffly 1500 a month. I don't have any major health problem. Can someone please give me an idea of what i might be looking at or any suggestions ... thanks

Insurance on a car? How much??

How much would it be to insure a car in UK, do I have to see a site? Eg, Ferrari, BMW, how much?""

How much does it cost to insure a first car in the UK?

I don't want a super fast car, just a banger to get me around, I was thinking Ford Ka or a 1960's mini, also if it's used does that effect insurance? And any hidden costs that I should know about? And does having an old car make it cheaper or more expensive to run? Also any hints tips or suggestions would be very welcome, thank you. :)""

What Cheap car insurance do you use?

What car insurance do you use?

How much would it cost to insure an infiniti g35?

Im a 16 year old boy, and Im buying an 2004 infiniti for 2,350 from my dads friend with 112k mileages on it, and I'm wondering what the insurance rate would be in NYC? Im paying for the car, my dad is paying for the insurance""

What are the consequences of driving without car insurance in florida?

What are the requirements to become a life insurance broker in California?

Do I need to become an agent first before I can become a broker? What are the requirements? What are the costs of being a broker?

Affordable Dental Insurance? Can it be true?

I recently lost my job. I would like a separate dental insurance plan besides my basic health insurance. I wonder if anyone else is feeling the pain like me. Any suggestions?

Can i pay for a car and insurance together monthly?

Like on finance or something? so i pay the insurance and the car price on a newish car both at the same time each month?

Insurance to volunteer at a clinic?

I was just offered an unpaid internship -type program through a veterinary clinic next to my university. I won't be getting paid and it will not help me with any credits, but it will provide me invaluable experience to get into vet school. However, they're requiring I get volunteer insurance (because it involves work with live animals) since I am an unpaid employee and will not be covered under them. How do I go about getting this? Thanks!""

Would I be eligible for California In-State tuition?

Im graduating from a foreign country, and im an american citizen. If i were to move in with my gradparents who live in california and are cali state residents, and they become my gaurdians, would i be able to recieve in state tuition? Or do i have to wait a year, work, and become a resident? Does it make a difference that im graduating from a foreign country? Im taking my sat 1's. If now, what do i have to do step by step?""

How much will teen car insurance cost?

Okay so I'm getting my license soon. How much will my insurance be approx

Should i keep car insurance?

Car lot required full coverage car insurance to drive car off the lot. I just want the bare minimum can i switch to just liability? Or do i have to keep it?

Licence and car insurance in different names?

Car insurance rate for a 16 year old?

i'm going for my license in a couple months, but maybe trying to prepare a little in advance, but i was just wondering the average cost of car insurance per month? i know the younger you are, the more it will be. if it helps, the car i'll use is a ford fusion, and i'm pretty sure my dads insurance is allstate, if that matters much.""

Health Insurance/Student emergency card help!?

I'm currently filling out a Student Emergency Information Card and I'm stuck on the Health Insurance portion... For the portion, it only says Insurance #, I have HealthNet but I don't know whether to write the group number or the subscriber number.. I'm kind of sure it's the subscriber one, but I need some assurance. Also, it asks for Medi-Cal straight after that with Yes/No.. How do I know if it's medi-cal or not?""

Where can i get cheap auto insurance for an 18 year old student with a 2000 mustang?

Well this may sound like a long shot, but I just recently bought my son a 2000 Ford Mustang, Now its insurance time, hes 18, gets A's in school and has had drivers ed. Why do the quotes from Progressive and esurance estimate its going to cost nearly $500 a month, even with a 1990 honda junker it still cost nearly $400 do these prices seem reasonable, i cant recall them being that high, when i first got insurance, thanks.""

Can I legally drive my fiances mothers car; will her insurance cover me?

I'm 20, I will be 21 in a month. I got my Provisional Drivers License today. I have a toddler, and am pregnant. We live in Calvert County, Maryland. My fiance and I live with his parents, we rent 2 rooms. His mother is 69, and has All State car insurance, not sure what plan. Can I legally drive her car infrequently, like to the grocery store, or to OB appointments here and there without having insurance myself? Does it depend on her plan? She's going to call them tomorrow to see, but I'd just like to see what answers I get on here tonight. Any help would be appreciated, thank you.""

How can I lower my auto insurance?

I am 20 years old. I live in Florida which is by far the WORST states to have auto insurance. I've only been in 2 accidents, both not my fault. One was a small fender bender (which my friend decided to get a PIP claim even though he didnt get hurt so he could snag some money from the government). The other i totaled my car, but that was over 2 YEARS AGO. This is a no fault state which sucks because both of them werent my fault!!!!! Currently my auto insurance is 253 dollars! I'm a college student and i CANNOT afford that, but thats the cheapest one I found. Geico and all the popular ones wont even look at me. And it also adds on the my mom was in an accident (also not at fault) she got hit from behind at a red light and of course they penalized her for that too. Florida is a fraud state, they penalize you for everything when its no fault. Does anyone know how i can lower my auto insurance? It's been 2 years since I totaled my car and almost 2 and a half 3 years from the small fender bender. I also got a small speeding ticket from maybe september or december of last year, but thats it. no other tickets. thanks!""

Where to get pregnancy insurance?

Please can someone tell me where to get pregnancy insurance? I am a UK citizen and will be spending the whole of 2010 in America (Boston). Thanks

AUTO INSURANCE COMPANIES IN MA.?

LOOKING FOR AUTO INSURANCE

How does LIFE INSURANCE work?

my cousins dad dies of cancer and he had life insurance. the family got $500,000 . -did the insurance company just give them the money away. or did they make certain payments? doesnt insurance lose money? -do they go on a spending spree now or what?""

What kind of car would have cheaper car insurance?

I want to buy a car I have $10 000 and I woult like to purchase a car that would be good on gas, and have a cheaper insurance, any suggestions and quotes?""

My wife has leukemia and no health insurance. is there any affordable health insurance?

The insurance she does have is very low, 2000.00 a year cap. we've been looking and it seems she has to be without any for 6 months. she got turned down for medicare already. others we have found range from 1000.00 per month and up. has anyone found any thing better?""

Do I need a non-owner's insurance policy?

I am going to sell my vehicle soon. I will no longer need car insurance. Do I need to purchase a non-owners policy? I know that when I eventually do buy another car + insurance, they ask how long you have been continually insured, and if I dump coverage altogether, I'll have to indicate that there was a period that I had no insurance (even though I had no car), which will probably increase my rates.""

How much is SR22 car insurance in Illinois?

I am 22 and the D.U.I. is the only ticket i have ever had. I need full coverage because i have a loan on a car and i cant get just liability on a vehicle with a loan. I am waiting to hear back from my insurance agent on a quote, it is a 2000 jetta (not a sports car). I know i cant get an exact number because different variables will change the amount, but can someone with experience with this tell me how much they paid for full coverage and who they went through? thanks for your help""

Insurance - Ticket on someone else's car?

I recently got a speeding ticket on my aunt's car, which I am always allowed to use since I live with her. I know her insurance covers anyone who drives any of her cars, it is not connected to my driver's license at all. Are her rates going to go up? Or does it only affect me and my future insurance rates for when I get my own car?""

COBRA health insurance...?

is there anyone who recently left the military? How does the COBRA health insurance work?

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.""

Can you get car insurance just for a few days?

1st time driving (well With my license) lmao, have drove be4. but i got my g1 a month ago, and bought an suv 2days ago wht i play on gettin rid of as i found at theres no way i can get it safty as it needs a weld. but i would at least like to drive it for a few days on a Trip permit, but u need insureance in order to get tht. and i was told there is a pay-by-day insurance that u can get. so i am wondering how much would insurance be for only 10days? as thts how long a trip permit is good for ps.. i live in belleville ontario""

Why is car insurance rediculous when I've never claimed and drive a small car?

I'm in my mid 30s, a female who has never claimed. My car is 1 litre and I don't drive many miles. I thought the companies would want my business but now I might have to give up driving because I can't afford the insurance.""

Car Insurance Claim Help?

Car Insurance Claim Help? On the 4/7/2011 I was at a set of traffic lights that was (RED) of my way to the shops. As the lights went green I begin to move off slowly as I did another car came from the left of me and tried to turn right as he speed up he crashed into the drivers side of the car. He clearly jumped a red light (Clearly Seen on CCTV). I was in total shock at the time! After he crashed into my car he went to drive off by reversing, I jumped out of my car to stood in his was so he could not drive off the witness behind me called the police while I was stopping his from driving off he started to drive forwards trying to me me out the way. After the driver spoke to the police on the phone, he then gave me his Name, Phone number and Insurance information. The next day I called my insurance company they was vary helpful and I believe the clam would be settled in my favor as I had CCTV of the crash as I had a camera inside of my car and a witness that was behind my car at the time of the crash. After nearly 4Months I have now revived a letter stating that the claim has been closed on a Without Prejudice Basis. When I contacted Aviva to see what the 3rd party has not accepted full liability they said it was dealt with like this as the 3rd party who crashed into me was not responding to and calls or letters that have send him. Aviva did not asked to see the CCTV of the crash and did not take into account the witness statement. WHAT CAN I DOOO??""

How much would insurance cost for an old 1960s/1970s car?

im new to everything dealing with cars and i lovee the 1967 cadillac eldorado..

I have a question about insurance? Help please?

I just recently got my license, and I'm already listed under my mom's policy. (I'm going to be driving her car.) Anyway, the rate obviously went up because she added me to her policy. But they aren't going to charge her for it until next month. Even though I'm listed under the policy, would I have to wait until next month to drive? Because I haven't technically paid yet for my part of the insurance? Thank you!""

Question about different garaging address on insurance policy?

I had had my license for 6 years in October, and called my insurance company to make sure my rate would go down. While on the phone, the rep and I got to chatting and I mentioned to her that I have been staying most nights (6-7 nights per week) at a different address for over a year now, but my license and policy are still listed at my mother's address. The rep explained the garaging address can be changed without changing the billing address if the two are different. Today I received an email about being refunded the difference at the end of my policy term. I didn't realize the changes would generate such a huge difference in price (The zip code of the town I have been staying in has a low crime rate and my mother's address is in a city). I realize people change their address to commit fraud, and now seeing such a difference in rate, I want to sure there is no legal ambiguity- I want to be crystal clear on what garaging implies and what I need to be aware of. 1) Am I in a gray area...If I go home for a weekend? If I lend the car to my brother for a few days? Do I need to be at the garaged address 80% of the time? 100%? I almost want to call them and ask to change it back just so as not have to worry. 2) Also, what would generate the bigger rate difference- the garaging change or the fact that I have had my license for 6 years? (is there a way to tell? Can I request a revised policy? 3) I am planning to replace my car soon, possibly donating it by the end of the year (very old car with continuous engine problems), so I will need to cancel my policy before it is up in April. Will this complicate things further? Any advice or resources are greatly appreciated. Thanks in advance and thank you for reading!""

Which is the best health insurance to take while in Delaware state?

I have just moved to Delaware state and the health insurance I had was from Humana. It seems that many of the doctors don't take this insurance. What is the most accepted and good health insurance in Delaware? And what would be the coverage like?

Examples of car insurance for 17 year old male in florida?

I'm 17, turning 18 soon and was wondering what some typical examples of car insurance are for others in my place. I know there are many factors, but I just want an example. Also, what are some major factors that lower car insurance? How much will the insurance change from 17 to 18?""

What size alloy wheels will change the insurance of a car? (read details)?

right i've been looking at cars to buy for ages now and as I'm a seventeen year old boy insurance is ridiculous as it is. Finding cars that i can afford to buy and insure is hard. I have found a few 'perfect' cars, however a couple of them have alloy wheels instead of the standard manufacture ones. I will quote my insurance website so you can help me out: Replacement of factory fitted wheels with Alloys of the same size this doesn't alter my insurance quote one bit. Replacement of factory fitted wheels with wheels / tyres of a non standard size or specification This means i cannot get insured at all; they won't have me with them. So my question is, if a 1998 Peugeot 306 has 16 inch white wolfrace alloys, does this mean i can't get insured or not? This might be a stupid question, just want to get it right, thanks for you time, means a lot Alex.""

What's the best car insurance for a 20 year old female?

Hello! I was wondering if anyone had any suggestions for car insurance policies. I'm a 20 year old female, have had my license for 3+ years, never been in an accident. Could you give me an average monthly rate for insurance for a modest car (think college student income)? Either from personal experience or general knowledge? Thanks so much!""

Licence and car insurance in different names?

What does Mercury Auto Insurance Cover? (Bumper to Bumper)?

Okay I currently have mercury car insurance and have the bumper to bumper.. I have a few things to do to my car but wanted to know exactly what parts are covered for example are the Shocks covered?

""Car insurance,Legality of this?""

Ive been checking quotes out,im going down as a second driver.The main driver doesnt own the vehicle,i do,when it gets to details about me as a second driver it asks if i own my own vehicle,i do and its the vehicle im insuring but it doesnt actually have that as an option.Am i in any way voiding my insurance,i dont think i am but i want to make sure. Anybody with the knowledge out there?! :)""

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""

""Families who live in America, how much is your health insurance per month?""

In an earlier question I mentioned that my boyfriend's parents are paying for his 24-year-old sister's health insurance after she got laid off and couldn't find another position and can't afford health care on her own, to the tune of $175 a month (and she's perfectly healthy) and was floored when someone said that was actually inexpensive. Btw, her parents insist on her having health care coverage for fear of her getting in an accident or whatever. I'm 17 and am quite obviously naive about the costs of health insurance, but I'm really curious about it, and would like to know how much it usually costs for a family to have health insurance in America. I'm in California. I don't know if it's more expensive depending on your state. If if you don't mind answering, how much do you pay per year, and how many people are in your family? Does it become more expensive as your kids get older? What kind of plan do you have? Through work or your own? Are you supportive of universal health coverage? Also: does anyone understand how Medicare / MediCal works and who decides who is covered and who isn't? Is it based on your yearly income? I'm asking because one of the reasons my boyfriend's parents want his sister to have insurance is that another family friend of ours broke her jaw in a roller blading accident when she was 26 and didn't have insurance because she was unemployed at the time, and not being able to pay the $15,000 hospital bill killed her credit score. Sorry for all the questions. I'm just really curious about all this.""

Where can I get a fair priced car insurance for a first time driver at the age of 17 and Male?

I'm just about to do my second test, I failed the first with only 4 minors but I misjudged a speed limit and got failed for dangerous driving when doing 40 in a 30. I've been looking at a Ford Fiesta 1.4 Zetec 16V that I would really enjoy to have except I can't find insurance anywhere cheaper than 2700 and I think it's ridiculous because I'm not a maniacal driver and I don't see why I should have to pay that much until proven that I will cause that sum of damage. Is there any way I can get a cheaper premium? It's really putting me off driving because the price is just absolutely horrendous. PS UK ONLY PLEASE""

What is the average insurance cost for Mopeds/Scooters?

Im 18 and im looking to buy a moped or scooter and im just wondering what I should expect to pay on insurance. 50cc/125cc - 3rd Party. If I was to pay monthly, would 20/month be a reasonable estimate?""

Best Medical Insurance for autistic toddler in california ?

My child is 3 years old and she is a diagnosed as high functioning with autism, Im fed up with dentical and medical insurance, Im looking into a new paid insurance for her. What insurance in california is best for a toddler with autism? Anyone know the benefits of the two...Price is not really an issue..""

Is insurance expensive on an '01 Hyundai Tiburon?

Health insurance in California?

My wife and I will be moving to California in December. We've heard that health insurance is more expensive there than in other states. My question is this: If I'm unable to get a job that offers health insurance as a benefit and I'm forced to buy my own policy - about (exact quotes not necessary) how much should I expect to pay monthly? I know there are a lot of different kinds of policies. I am open to any information you may have about whatever kind of policy you are familiar with. Please indicate what kind of policy it is. I'm a 37 year old male (non-smoker, average BMI) My wife is 30 (non-smoker, good BMI) Any information would be appreciated! Thank you!""

How do you get car insurance if you dont have a car?

How much will my car insurance rise?

I am 16. I have gotten a 4 point 19mph ticket and a ticket that will show up 0 points miscellaneous. I also have taken a defensive driving course. The insurance company knows of none of these yet. Once they find out about all of them, how much will it go up""

What solutions would make health care treatment instead of health care insurance more affordable?

considering out of pocket expenses? and would this be a conservative approach to the health care issue?

Teenage Car Insurance Question?

I am a new teenage driver about to go for his license in a few weeks. Before I do I have to be on one of my parents insurance plans. My mom says that adding me to hers would be about $1800 yearly and my dad just says that that is ridiculously high. I don't know which one of them to believe on this issue so: How much is average teenage car Insurance

What is an affordable private health insurance plan in California for healthy 30 year old male?

Would like peace of mind incase of hospitalization.

Should I continue to pay for insurance on my old car?

I bought a new car last month and I called my insurance company to tell them, and they added the car onto my existing insurance for my old car. I've had to pay around 400. in the last month, for a car I no longer am driving. I'm trying to sell it, but it is just sitting in my garage. Should I have to pay for insurance on this car? Can't I just tell them that I'm not driving the car and I don't want to pay for insurance?""

Whats the cheapest place to get car insurance when you got 2 dui's over three years ago?

Does the number of doors on a car affect an insurance rate?

For example would a 2 door car be more expensive to insure than a 4 door?

""People tell me i can get insurance of my own under18, is this true?

i want a vehicle but my father wont let me get one because hes scared that if i wreck than it makes his rates go higher. can i get my own insurance and not be on my parents?

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.

Auto insurance for a job?

I got offered a full time job delivering for dominos. I need to know what to do about my insurace. My boss told me to raise my minimums and thats it but my mom has been yelling at me about special insurance i HAVE to get blah blah. So what do i really have to do? My insurance now on my suv is 120 a month but the quote from progressive is 5700 a year for commercial do i really have to triple my insurance for this...

Can I drive this car without insurance?

So i just bought a new 350z model 06 from someone and i was wondering if i can drive it for couple of days. I live in California, near oakland and san jose. I heard people telling me that when u buy a new/used car u can drive it for 15-30 days without insurance. If someone knows a link to some stuff about this please tell me :D Thanks.""

""Can anyone tell me, on average, what home insurance on a double-wide mobile home is in Indiana?""

I live in Indiana, and am looking for cheap home insurance for a double-wide trailer. Does anybody know on average what insurance runs in Indiana?""

Will a guys health insurance cover his girlfriends pregnancy?

not married, she dosen't have insurance. Will his insurance cover it since its his baby?""

Driving license and auto insurance?

my boyfriend have no green card or paper work for USA but there something he can get driving license or auto insurance? somehting is cheaper?

Car insurance for 17 year old in Texas?

hi im 17 years old and i'm getting my car. i was wondering the cost of the insurance (i've heard it's really expensive[just wanted to verify] ) can anyone give me a good estimate?

Licence and car insurance in different names?

How much typically does car insurance cost per year if i'm a first time driver and car is brand new?

What should a 16 year old expect to pay for insurance?

I have never had insurance before. I own my first car right now. I have a graduated drivers license. and I have taken a drivers ed course. I need to know how much to expect to pay a month. Thanks!(:

Why would auto insurance go up just because of a divorce?

Years ago, when I was married, I had a brand new truck with a full-coverage policy costing $114 per month. I had a spectacular driving record, I was a 31 yr old female with a family, not a 19 yr old ripping up the streets. When we divorced, my auto insurance instantly doubled! It didn't just go up $50, it DOUBLED. Does anyone know why??""

Can i get a license without insurance.?

OK. I've got a lot of questions to ask. i'm 16, i live in North Carolina and i'm going to go get my license in about a week and a half. I was wondering do i need liability on myself or what because right now all i want is my license to drive my parents car and stuff, so would i need insurance for that? And also what kind of insurance and what would be the cheapest way to go. And when i check on the DMV website its unclear on what insurance and what they would accept and not accept. PLease help im extremely confused.""

Reviews of Gerber life insurance?

Does anyone have any personal experience with Gerber life insurance, including the claims process? This is for a whole life insurance policy for an adult.""

Need help finding car insurance?

I need my own insurance policy in order to get off of my mom's, but I need one that is cheap and affordable. Any ideas?""

Car insurance......Anyone else's gone up this year?

I'm still driving the same car and living at the same address, and I also took off 2 other named drivers from my policy to try to minimise the cost but it's still gone up by about 60 pounds......""

""Buying a new car, but don't have insurance?""

If I don't currently have insurance, how can I drive a car home from the auto dealer? do i have to purchase insurance before I buy the car? what if i'm buying from an individual and his insurance on the car has lapsed?""

Comparing and contrasting life insurance?

was looking for some experianced and educated perspectives on taking the best approach considering life insurance for the first time at age 28 with 3 kids?

""Oh crap, what am I going to do? Car insurance?""

This might be long but PLEASE READ EVERYTHING. When I was 15 my grandfather (Legally my father, always lived with him) had always promised me he would get me driver's ed but he never did. A few months before I was 18 I moved out and in an apartment with my fiance. My fiance went to college 5 hours away the day after my 18th. After I turned 18 (July 25) I wanted to get my license, and I know how to do it. My fiance came back from college last weekend and took me to buy a used car for 400. Its a beater, but it drives. It has no insurance and no license plates. Im caught in a super circle. I cant get to SOS or DMV to even apply for my permit without 1) a ride and 2) insurance. I cant get plates to even drive it illegally without a license. I cant get insurance because, from what Im figuring out, just about no body will insure someone without a license. My grandfather will -not- put me on his insurance to save our lives and I need a car to get back and forth to work. (Walking 5 miles? Nah...) What am I supposed to do???? I cant pay a whole lot for insurance as Im now living alone in an apartment on a crappy salary. I had a decent salary until my work decided to super hire and how we are severely over staffed... What to do!?""

""I'm about to turn sixteen, how much can i expect to pay for car insurance?""

I have no criminal background, my employer and teachers can give me really good recomenndations, i don't know if anyof that matters though.""

HOW MUCH WOULD IT COST IF A PERSON GOT A TICKET FOR DRIVING UNDER SUSPENSION AND NO INSURANCE?

I HAVE BOTH OF THESR AND WANNA KNOW WHATS THE MAXIMUM FEE

Apartment Insurance?

I live in the basement of a house. Am I covered on my landlords insurance policy, or should I invest in renters insurance?""

Car Insurance?

I am a foreign student and I am about to drive a car!!!!! I am so excited, but there's a problem: Car insurance. I do not have any family in United States, so I have to get my own insurance. Thankfully, I am 18 years old, so it is possible. But however, I am going back to my home country in summer which means I don't need to drive. Is it possible to cancle the car insurance over the summer?""

Does having a nissan 350z as your first car and a new driver added gonna make the insurance go up?

their are 3 drivers in my family and the insurance is like 200 i think would the bill go way up if a new driver is driving a 350z?

Insurance for a 17 year old on a 1.4 Golf S?

When I turn seventeen, I plan to get a car. I've seen a 55 plate golf for 3,995 which I'd like. My Friend has a 1.6 Punto, and at 18 years he pays just over a grand.. so i figure the golf won't be too bad.. how much would it cost to insure? And no links to sites please, I can't check yet.""

What is the best car to buy in terms of getting cheap car insurance as a first time driver.?

I am over 25 but things are still costly.

How much to insure a classic bus?

i'm a mild bus enthusiast, and would quite like to buy a preserved vehicle. and i was wondering how much it would cost to insure the vehicle for pleasure purposes only, and how much it would cost to run. fuel figures and what not, tax and mot. also, what are the complications in being 17, like max people to carry and whatever. cheers ;)""

Car insurance for provisional license?

I have a Peugeot 807 2.2 and want to insure someone that has only got a provisional does anybody have any idea how much i would be looking at.The person is 35.

How can i move and keep my old states insurance??

I plan to move to Ny and i got a quote from my car insurance company and it is ridiculously high. Is there a way to keep my insurance without changing it to where i plan to move to?

Who insures the insurance companies?

Just out of curiosity who insures the insurance companies? Do they insure themselves? If so, due to all the bureaucratic BS do they have to pay a deductible to themselves? Or are they insured by other companies? Is it just one big circle? For example: Company X's building gets destroyed by a tornado, do they pay for everything or are they insured by Company Y.""

Can you get braces free if you have health insurance?

i want braces. can i get them free if i have health insurance

""On average, how much do YOU spend on utilities each month?""

I'm a college student getting ready to do into dental school. & I was wondering about how much do you spend on gas, electric, rent, insurance....etc. Please name what it is and about how much you pay. Do you have any money left over?? I'm like freaking out here because right now, I live in a dorm & I don't pay anything.""

Young driver insurance in the UK?

I was quoted 1200 the beginning of this month for car insurance (its due feb, but I regularly look at quotes). I then looked the 23rd and was quoted over 2000 for identical insurance (just by refreshing the quote). It has then increased drastically every day by around 1000 so its now looking at over 5000 a year to insure a 2007 FORD KA!!! I'm 17 and have 6 months no claims, plus the time I had no claims as a learner too (another 4 months). I understand that the equal insurance for men & women effects this and due to my age insurance is high, but two of my male friends insurance is shooting up too. I'm in a pretty good area, don't drive that much (3000 miles a year) and have both parents with 25+ years driving on my policy. How can my insurance possibly be increasing be so much? What can I do to bring it down, other then selling a car I need? I need a car to get from school to work in time (or I won't have a job), and I don't earn nearly enough to afford car insurance with the quotes I'm getting right now. Its a complete rip-off.""

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

Licence and car insurance in different names?

https://www.linkedin.com/pulse/cheapest-saturn-sky-insurance-16-year-old-lurdes-beach"

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