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roswellroamer · 4 years

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Day 12. February 10, 2020. Te Anau day ride. 155km.

Woke to low 40's and gray which made me question the Carrot and Weather Channel apps which had shown 72° and sunny. But closer inspection revealed a marine type layer probably due to the massive lake's shores which was projected to burn off by 11. The kitchen came stocked with farm fresh eggs, bowl of assorted fruit, milk, butter, juice, yogurts, cereals. We set about making some eggs and toast and then of course after finishing off yesterday's blog we grabbed the two frisbees and the "golf course diagram" and headed out. A half life sized chess board on the sprawling manicured lawn provided the tee for the first hole. All the bikes were truck tires with the hole number painted on the rubber. Got to explore their grounds and have some fun tossing the 'bee. We then got into our GoreTex gear and headed towards Milford Sound after a CalTex has stop in town. Knowing we couldn't get to Milford due to road closures/flooding we were aiming for a swing bridge made of three cables. One for your feet and one for each of your hands that spanned the west branch of the Eglinton River. It was featured in one of the NZ touring books I had bought last summer. We saw that the trail sign to identify the turn off was the Earl Mountain turnoff and headed that way. We wound a bit away from the water and gained some elevation and then came to a construction zone. Not being sure if this was related to the recent flooding we got in mine behind a few cars and waited. Maybe less than ten minutes and the opposing truck, bus and camper passed us then we were allowed to proceed. Usually the 120km up to Milford takes over two hours due to the heavy traffic. Top tourist destination in NZ, one road in and out. Lots of buses and cars jockeying to get parking at the roadside attractions. One huge benefit of having the road closed about 75km ahead was that there was hardly any traffic! Great road and scenery as jagged Teton-esque peaks wound into view between the nearly sheer yet forested canyons as we gained elevation. After passing through a few more, wait, take a wild guess... sheep farms 🐑 we came to a diversion. Funneled into a lane off the road to what appeared to be a toll booth, explained to the gal we were in search of a cable bridge off the Earl Mtn. Trail before the closed section. She allowed us to pass. So far so good.

You can tell when you enter Fiordland NP. Sure, there's a sign off to the left (but placed behind a farmer's field/fence so inaccessible for a reasonable picture). But immediately farmland disappears and you are envelopes in the eery dense tunnel of what seems to be darned close to tropical forest. With the 21 feet of annual rainfall being lush shouldn't be a surprise but the immediate drop off in brightness is dramatic as well. Almost like going in a cave. There are some open "flats" but much of the area along the one road there is heavy forest. The other concern for vehicles but especially bikes involves the encroaching algae/moss on the roads. Two tire tracks are largely clear of it but the center of the lanes and the road as well are mostly a bit greenish with the slippery stuff. Lots of "slippery when wet" signage and it wasn't for the Bon Jovi album. I imagined it could be taxing to stay in the worn and clear tire tracks on one of the 250 rainy days. With clear blue sky and dry along with no traffic, the 55,65 and 75kph turns were superb sweepers and we had a ball carving up that road. One of the stops was at Mirror Lakes. Aptly names and even though a couple of fish had disturbed the surface, the pics are keepers. We rode up into Fiordland a ways and then there was the Earl Mtn. sign. We pulled in to the parking area and saw the line of yellow tape across the entrance to the trail. Also no other vehicles were there. The sign said it was closed and also had a few poison signs around the lot. They described the poison that was dangerous to animals and people to attempt (as is often done here) eradication of a non-native predator. In this case it seemed to be some sort of weasel that was endangering a bird that lived on the ground. We had discussed this cable swing bridge and yellow tape and warnings weren't gonna stop us! We worked around the tape and stepped into a dense forest trail. The first 10 minutes took us along an occasionally muddy trail. Tons of tree roots. Most of the deep mud had sticks or small logs tossed in to provide steps but a few ill advised steps resulted in 6" plunges and lovely boot pulling sucking noises to dislodge my Alpinestar SMX-6 from the muck. Then found my way down a thirty foot hill by treading solely on exposed tree roots from one tree! (Pic above) After that, following the well marked red triangular plastic blazes into the heart of Frodo land, the forest was a magic pliant spongy floor. It took a while to figure out that about 6-8" of moss has somehow grown over a network of interconnected tree roots. When I stepped, the entire ground in a five foot radius would give in and move a bit. It was weird and beautiful. After another 10' we heard the Eglinton River and were blocked by some fallen trees and yellow tape. A work around brought me to the river just above the cable swing bridge. A very large tree had fallen on the bridge from our side and collapsed it. Instead of a V shape, the 3 cables were mostly flat but still spanning the river. Ugh. No go. Managed to work our way with some difficulty through the dense brush to get close enough for a pic on the first rung of the bridge which was also the last possible one to reach due to the tree and damage. Pic above. There was a cute little bird on the ground by the bridge remnants. He seemed happy to see us. Wasn't afraid of people evidently as he strutted about watching us, walking under the branch I was balancing on without flying away. He seemed to enjoy company. Said goodbye to my new friend 🐦 and found the blazes trail which included a half dozen improvised detours to avoid deep muck. Scaled up the root ladder which must have been connected to Eywa as the whole forest seemed a bit magical. 🌳 One couple was following our lead to enter the forbidden enchanted forest as we exited. They were disappointed to hear the wire bridge was out. The entire trail from there is about a three hour hike.

I must comment that tons of serious hikers (trampers in local speak) come here and cover long distances. Temps are good. Views and scenery fantastic. None of those deadly spiders and snakes one may encounter across the Tasman Sea in Oz. I get it, just don't love hiking that much to spend days or weeks doing it. This area shows why Peter Jackson used it for LOTR. Nearly pristine and just overwhelmingly stunning. With boots and Klim pants properly mud coated, we were now sweating quite a bit. In fact while holding my Latitude jacket I believe I finally lost my first set of reading glasses on this ride. I have a couple spares but oh well. Think they fell out as I was scaling some of the hill or tree root sections. 👓 I opened up all the vents on my jacket and pants and started the bike to stand and let the 65° breeze do its job. Turned around a couple kilometers further at Lower Holyford Rd. as the heavy machinery was at work. Estimated repair on the sign said that the road would reopen on Friday, four days from now. We stopped a few times on the way back for scenic spots that were too good to pass by. One of the files above is the .gif of some chopper footage. Stopped to watch him load and fly away with a few tanks of what may have been fuel? Most likely bound for Milford Sound which was still isolated from the rest of the country's road system. On one of the last stops Ted must've not closed his bag since when we pulled into Te Anau town center his right saddlebag/pannier was open! Ba quick inventory revealed his polartec jacket and a plastic bag with a wipe were missing. The chain lube that Kiwi gave us as well as a helmet lock were still in the pannier. Those darned side opening clamshell designs! I said I'd get a table at the Ranch outside and wait for him to hopefully retrieve his stuff. I showed him how to flip up on the iPhone to reveal exactly where that last pic was taken. He was just putting on his helmet when a white car pulls up. A guy walks out and hands him his stuff! So lucky. They are bikers and saw his stuff and followed us into town. Nice. After some thank you a they drove away and the day got even brighter. The Ranch delivered me a couple Cokes and an interesting prawn twist dish. 8 shrimp individually wrapped in a long thin dough sheet and fried so the whole 8" long finger is edible and 3 sauces to dip accompanied the serving. Then a calamari salad. 😊 Back to the homestead for some blogging (so I won't fall asleep tonight trying to get this down) and rest before we scored a reservation at the top place in town. The Redcliff cafe. Ted was here last year and unable to get in! We rode to town and were walking down the street when Ted recognized the Aussies who returned his stuff at lunchtime. We turned around and flagged them down. They were perfectly willing to join us for a thank you beer and had a nice time talking with them. They were riders but here to scatter ashes of a friend up north and had received money and were encouraged to make a great trip out of it. They had been to Burt Munro as well. Our appointed hour arrived and we were seated on the back porch of the Redcliff cafe. A few tables of Americans nearby and some conversation with a California couple by us and an excellent meal. I had a salmon tartare dish followed by venison which was amazing and a date and ice cream dessert which were each remarkable. Redcliff did not disappoint. Probably the biggest culinary splurge of the trip. Even with a couple drinks my total ended up being just over $50 and it would've been 50% more for that same meal at home. Had a great evening and got back to the homestead in dusk around 10. Ready to roll northward tomorrow. 😴

#teanau #newzealand #motoadventure #advrider #fiordland

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100dad · 3 years

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Coronavirus is Why I'm Debt-Free...

CORONAVIRUS IS WHY I STOPPED BORROWING MONEY!

It’s playing out right now. I’ve been saying the same thing for years. I don’t want to have the burden of debt when things go bad. I want to be debt free and cash flush so the next panic is just an inconvenience. In 2008 the economy collapsed, the stocks tanked, and real estate dropped like crazy. Lots of people lost their jobs, businesses were disappearing, and gas was four dollars per gallon. No one could get loans and cash became king. A lot of good and smart people got in big trouble because they were leveraged, and “leverage” is the highly intelligent way of saying “in debt”. Debt is great when you need cash to grow and the economy is booming. It sucks when things go wrong… and lots of times it’s not the borrower’s fault when things go wrong. Often it's outside influences and just plain bad timing.

We get a bit of amnesia on these things, but if you really think about it or watch the news, we are mere moments from the apocalypse every single year. Really go back and think about it. The news and politicians are always feeding us fear because that’s what masses pay attention to. Fear manipulates the economy. Watch the stock market. Those guys are the biggest scaredy cats in the world. If a politician hiccups during a speech they all sell and the market drops, but if that politician sounds confident they all buy and the market goes up. With an economy so volatile with things we can’t control why risk having the burden of debts? This year it was the coronavirus. Regardless of your opinion on the virus and the response around the world, it is crushing the economy and really hurting a lot of businesses and people financially. The tide is going out and bills still have to be paid. This is what I have been preparing for. (Side Note: While I think this gets bad, I also think it recovers quickly simply because the only driving factor is the virus. I think the government will inject cash, provide loans to businesses, and we will get back on course pretty quick. I don’t see a years-long collapse like in ‘08.) My house has been paid off for almost three years now. Zero debts. Everything is owned. Plenty of cash. Now this economic catastrophe is simply irritating, but not crushing us in our home. So to everyone who said it was not possible and even the few who said it was irresponsible this is what I was trying to prevent. I have zero fear and anxiety. I’m not concerned. I feel great considering the alternatives! This is why I tell dads to get debt free. This is why I tell dads to pay cash for their trucks. This is why I tell dads to have a nice, fat emergency fund of cash and to never use it (because buying concert tickets is not an emergency, the coronavirus shutting down the country is). The feeling of having your income halted while still having to pay bills does not feel good. Again, it's not your fault. But it almost never is. These are outside forces affecting our lives for which we have no control. This is why guys, this is why! Next time it won't be a virus, it will be something else, but this always happens. Life is simply more enjoyable living this way. The lack of pressure and worry is really nice. The lack of anxiety about your future is great. Knowing nothing is going to be taken away from you is just peaceful. However, there are downsides to living this way.

1.) It takes time depending on your income level. It took me almost 10 years to get to a point where I had no debts, no mortgage, and a nice, fat emergency fund.

2.) If you’re a business owner it sucks. You have to intentionally keep yourself from growing too fast and as a driven, motivated person it was my biggest struggle.

3.) People are always telling you you’re wrong. They tell you that you can afford the payments. They are always telling you how much you are missing out on. Leverage is how you build wealth. Those people are loud when things are good. Now that things are scary—they wouldn’t dare say a word. They’re scared about losing everything. Also, they are calling me asking for loans.

4.) It requires sacrifice. Especially for the smaller income dads. You don’t get to do certain things. You sacrifice eating out and drinking. You don’t get to buy the things you want. Because your long-term future is more important than those things you want now, but don’t need. Let this coronavirus be for you what 2008 was for me: an eye opener. It doesn’t matter if you're smart, talented, and/or lucky. Debt lets you buy stuff before you can afford it. Debt seems fine until it's not. Smart, talented, good people go broke in times like this because of their debts. Debt will crush you when things go south. Don’t carry that weight above your head. Get out! Make the sacrifices now to give yourself security in the future. If you're reading this in debt today with all of this hanging over you, then this is my recommendation. If you are not working right now because of coronavirus, find work. Do yard work for neighbors, work as a handyman, or go find some temp work. If you’re near an Amazon warehouse I hear they are in desperate need of workers. It's temp and manual work, it’s possibly even degrading to you, but it's cash. You need cash. Stay legal, stay within your morals, but find any work that pays. It's temporary. Delivery services are booming. Online services are booming. There are options out there. Aside from finding a way to make some cash. Prioritize what you spend on. You need food and necessities, a roof over your head, and utilities. That keeps you alive and able to fight another day. There is probably some relief coming. A lot of companies are allowing you to delay payments on things. So work with that the best that you can, but make sure you are providing the necessities. I would rather you get a few harassing calls and a lower credit score than see your family go hungry or homeless. If you’re a dad that’s debt free and has cash, we are in a fantastic buying opportunity. A lot of deals are to be had. Stock market is on clearance. People are going to be selling nice things very cheap because they need cash fast. Businesses are going to have great deals because they just need any cash coming in their doors. Businesses may go up for sale because this was a scary wakeup call. They might get liquidated because they were over indebted. There will be opportunity in any downturn. This could be a great time to make some moves. I hope this is a wakeup call for a lot of families. Debt free is nice and comforting. If you really think about what you have bought on payments, did you really end up NEEDING it?

When this is all over, work hard, pay off those debts, build an emergency fund, and don’t borrow anymore money!

Follow 100% DAD on Social: Instagram: @100Dad Facebook: @100Dad TikTok: @100Dad YouTube: 100% Dad Twitter: @The100Dad

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blogdangerousobjectcollecto-blog · 6 years

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About how much will ensureance cost me?

"About how much will ensureance cost me?

Heyy ya'll, I'm 15 (ill be 16 next month) and I'm saving to buy a car next year! My mom says since I'm young they're going to charge me more for insurance, so what I want to know is about how much will they charge me a month since ill be 17 when I buy the the car?

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

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Does anyone know how this insurance actually works? I got this insurance through my employer (haven't had insurance in a LONG time!!), and from what I'm reading...it sounds like you have to pay for services up front, and then they reimburse you?? Is this how it works, or am I mistaken? I'm so confused, and really want to go get a general cleaning and exam....but don't have the money to pay for it when I go!""

Will getting a refund on extended warranty and GAP insurance cause my interest to go up?

I just purchased a used car with 30% down payment. I noticed they charged me for GAP insurance and extended warranty and I asked them take it off. They are arguing getting a refund on them will cause my interest rate to go up because they used the purchase to bargain a lower interest rate. Is this true? If so, do I have to accept the higher interest rate? They say I can't return the car because it was already signed for but I don't want to buy at a higher interest rate either.""

Should I open a whole life insurance policy or a 401k first?

I met with a financial consultant who told me that the 401k is the last thing I should start. She says it makes more sense to open the whole life which compounds 8% return on my money yearly and pays a yearly dividend. Which is smarter to do first?

Would i need car insurance?

(Only open to UK) i am a provisional driver using my dad's car. My dad is with me at all times and he has fully comprehensive insurance, i have been told that this then covers me also, is this correct or will i need extra insurance?""

Bankruptcy and life insurance?

I have plain old life insurance with my husband as beneficiary. Do I have to cancel life insurance if I file bankruptcy? I want to have this for security for my husband and five children should anything ever happen to me. It has no cash value.

How much does will my insurance pay? My car was totalled?

My car was in a serious accident, and is irrepairable. The insurance company is coming down in a day or two to check out the car. I was no at fault, police are still looking for the guy at fault. However, my car is done. Will my insurance company give me the value of replacing a car like that, like if I were to buy one again, or would they give me the book value?""

Can I buy salvage cars from insurance auctions and then resell them as-is using a seller permit in California?

I want to know if is legal to use my sellers permit to buy totaled cars or salvaged cars at auction to the resell them (as is) in ebay. would i need a dealer license if I selling more than 5 a year?

I'm 27 years old and I wanna get life insurance ? Any thoughts on which type i should get . ?

simplify your answer please .

Arizona Law on insurance pulling your driver record ?

does anyone how long (in term of years) can an insurance company pull your driver record? i know here in Arizona i can pull my record from servicearizona.com for 39month. but some people tell me they can pull up to 5 years from your record.

About how much will ensureance cost me?

More to pay for tesco car insurance after 1year?

I have tesco car insurance and now after having 1 year tesco car insurance they wanna increase me to pay more monthly . why ? I have same car and same conditions . should i change car insurance?

Would teen car insurance be expensive for a 2007 honda civic hybrid?

I am a new driver with good grades and took drivers ed. Will the year of the car affect my insurance rates? Would another car be cheaper? Would being on my parents policy be less as opposed to having my own?

Insurance stuff?

I have a first insurance right now, and medicaid as a second insurance. My husband still has a job but his contract is being taken over by another company, will medicaid cover the bills until i get his new insurance started?""

Car insurance question?

My car is currently under my parents name any under my parents insurance. It was a gift from my parents but we never bothered changing the ownership over and it wasn't a big deal since we live in the same home. I am planning on moving out soon, do I need to have the car put in to my own name to get my own insurance and to make it legal? I've heard that continuing to pay through their plan without living in there house would make it void. If I don't change my ID right away would it still count as me not living there?""

Huoniao 125-8 Insurance?

I'm buying this bike in a couple weeks time brand new. And I was just wondering what insurance is best/cheapest for a 17yr old rider. Thankyou! Also i've heard about this company called Rampdale, it's cheap, but apperently they completely **** most riders over?""

Will a car thats registered as non op and has a salvaged title cost more for insurance?

Health Insurance - Cobra?

If you quit your job can you still get Cobra? Is there a time period that you need to have insurance thru your employer before you are eligible for Cobra?

Driving from california to texas?do i really need insurance and a license?

im moving from california to rowlette,texas in two weeks but the problem is im going to drive out there its going to be me and my bf the thing is the car is under my name & i have the tags & papers but i don't have insurance & my license.Is this a big deal can i still drive out there as long as i drive carefully well im not driving its my bf his better at driving & he has his permit but im 18 & they say he can drive with a person 18 and older.what can i do i already called the insurance company & the lady said its not worth getting insurance if its only for a few weeks cuz when i get to texas i have to get new insurance.What can i do what do you guys recommened i do...i think that i can get out there without the legal stuff like insurance & a license..my sister drove all the way to arizona with no license & she didnt get caught cuz she drove carefully...""

Insurance and car accident.?

I was involved in an accident in which I struck a vehicle in the rear on 11/15/2004. It was not a bad collision and I was starting to walk-up to ask the driver of the other vehicle if he was okay, when a car rear-ended me and then two more cars hit that vehicle pushing my jeep under the vehicle which I had hit causing severe damage in excess of $3500. My insurnce payed the driver I hit, but I have not received a dime from farmers insurance. I placed a call to the insured vehicle that strcuk me and they told me to use my insurance company to hash-out all the details and to collect funds for repair my vehicle. I told this to my insurance agent (Progressive) and they said they would do that but I didn't have full coverage so that will not happen, I need to deal with the other partie's insurance companies. I have no Idea where to go from here. If I had the money, I would get a lawyer and I am sure that I would have this resolved right now. Does anyone have an idea for me? peace""

Whats the average cost a month for car insurance in california for an 18 year old?

With no health insurance . . .?

How come I have to pay full price with cash, but if someone has medicaid or some other type of health insurance, the insurance company only pays (for example) $52.00 of an office call that I have to pay $80.00. Isn't that discrimination to people that pay cash?""

CAR INSURANCE FOR FEMALES?

CAN ANYONE SUGGEST CHEAP CAR INSURANCE COMPANIES

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.

Car insurance victim?

last year i had the police turn up at my door saying that i had hit a car roof with a claw hammer i didn't no what they was going on about i did not get arrested and they left, few days later i got a insurance letter thur the post saying that i had collided with a bmw and drove off leaving the seen, there insurance paid him out 5000, i spoke to my insurances and said i don't no what is going on they asked for pictures off my car i sent them, i phoned the police and asked them they said there is no further action is to be taken as the person as dropped the chargers, so i phoned there insurance and they said we are waiting for police reports, i said the police are not taking it any further as the person as he had dropped the chargers, they did not believe me and wanted me to pay 3500 in 14 days i said no, i lost 3 years no claims and my premiums went up, i just had to wait for months :( i got a letter today off there insurance saying we have had the police reports and there is no further action against me or my insurances... ok what will happen to the person what made up this lie to his insurance as he told the police one thing and his insurance another??????""

""I am starting a Cleaning service, I need to be insured can some one help me find good affordable business ins?

I need to find a insurance company that will have some affordable business insurance it will only be my self and 1 other person please help!!!

""How can i get insurance if my car cost 20,000?""

How can i get insurance if my car cost 20,000?""

How much to insure 2004 corsa 1.2 sxi?

I am 18 years old and unable to get a quote for some reason. I was wondering on average how much woul it be to get insurance on a 2004 corsa 1.2 sxi, on my parents name?? Does anybody know if it would be more than 2000??""

Does anyone know how much tax and insurance would cost for a 17 yr old learner driver?

""Recently hit by another driver, got estimate for his insurance company. Not sure I should repair for that cost""

My car is a 1994 Lexus ES300 with 125,000+ miles on it. I would say it is in good or fair condition, the leather seats are cracking badly and it has a few scrathes, etc. I'm just wandering if it is in my best interest to repair this car or for it to be totaled out. The estimate for repairs in $3500.00, which could always go up once repairs start for unseen damage. I'm just not sure the car is worth repairing for that amount considering its condition. The damage is to the drivers side rear panel which is now rubbing something when I turn either way or go over any kind of bump in the road. The estimate does not consider repair for that since that could not be seen by looking at the vehicle. They are also saying the paint can't be matched perfectly because of the fading caused by sun and weather over the years. With everything considered my resale value is not good. I did want to sale this car at some point and get newer car.""

Who offers the best and most affordable medical insurance?

i am a 19 year old female from southern california. I work full time and not currently going to school. my job does not offer medical benefits i would like coverage asap. please help me out!

DUI - charged but not convicted (yet) do I need to tell my insurance now or wait until conviction?

How does health insurance work in the USA?

I wanna visit but I keep hearing crazy stories of how going to a hospital makes you bankrupt :/

Should Military Buy Private Insurance?

Bad press, including major mockery of the plan by comedian Jon Stewart, led to President Obama abandoning his proposal to require veterans carry private health insurance to cover the estimated $540 million annual cost to the federal government of treatment for injuries to military personnel received during their tours on active duty. The President admitted that he was puzzled by the magnitude of the opposition to his proposal. Look, it's an all volunteer force, Obama complained. Nobody made these guys go to war. They had to have known and accepted the risks. Now they whine about bearing the costs of their choice? It doesn't compute.. I thought these were people who were proud to sacrifice for their country, Obama continued I wasn't asking for blood, just money. With the country facing the worst financial crisis in its history, I'd have thought that the patriotic thing to do would be to try to help reduce the nation's deficit. I guess I underestimated the selfishness of some of my fellow Americans.""

Home insurance?

I am not sure how much home insurance coverage I should have for the house I bought 2 years ago. The cost of the house including the land was $96,000. But that includes the price of the land, etc. I now have to renew the home insurance policy and realized maybe I should reduce the amount of the coverage from $96,000 to around $80,000. The dwelling amount for the insurance has been the price I paid for, $96,000. But if something happens and the house needs to get rebuild, the cost of building should not be as high as $96,000. I currently owe mortgage $70,000. Do you have any recommendation? I do not know if I can ask the insurance agent to reduce the dwelling coverage. But I am hoping a way to save money on the home insurance. Could someone give me an advice? Thank you.""

Auto Insurance?

Can a person have auto insurance in one state but live in another?

About how much will ensureance cost me?

Insurance cost for the following car: 2007 Pontiac G6 GT?

I am a teenager and I am buying a car and would like to know an estimate on how much this insurance costs before I call them up. Car: 2007 Pontiac G6 GT, Convertible, 3.5 L, 6 Cylinders. Title: Va - Salvage I originally wanted to buy a 2006 mitsubishi eclipse, 2.4, 4 Cylinder. I know the eclipse is a better choice, But auctions for the eclipse will end for quite a while on the website we are purchasing the car. And I need a car now, because it will take us a while to fix up the vehicle (Buying proken, and repairing)""

How much would full coverage insurance cost on a 1965 Silver Cloud 3 Rolls-Royce?

Male driver, clean driving history.""

I am 18 years old and i want to buy a used car but the insurance is too much for my budget?

it would cost me around $7000 for 6 months of coverage can someone please give me some advise on this matter?

How much does insurance cost on super cars??

How much does insurance cost on cars like Ferrari, Lamborghini, Lotus, Bugatti, etc.""

How much would my car insurance be?

I'm 16 years old & a female. I am 5'5 & weigh 150 lbs. I am purchasing a USED 2003 Audi A4 Quattro Base Sedan 4-Door 1.8L ; I was wondering what the estimated car insurance would be for me so I can start by getting the right idea of how much I would need to save each month. Thank you. :)

Would this be legal ? start own car insurance company and insure self.?

We were talking about the price of car insurance at work today about how the cost is becoming ridiculous. I came up with this idea its entirely hypothetical but it got me wondering if it was possible. Just say i started and registered a insurance business. I offered 3rd party only insurance to my close friends and family people that i know personally are careful drivers.Say 50 people get a years cover for just 100 and i insure my self for free. Now i know what you might be thinking what happens if some one has a bump? Well i have 5000 in the business account so it should cover minor repairs however and hear comes the is it legal part if someone puts in a large claim that i cannot cover.Say my grandma writes off some rich mans Bentley. I just declare the company bankrupt ! Thinking about it its not to different to what the bankers have been doing .

Can you help me find scooter insurance?

Hello I have a 125cc scooter,i live in the u.k,does someone know where I can get cheap scooter insurance and link me to the site you got it from thanks josh""

Motorcycle insurance in Guam?

Individual has military orders to Guam and is ONLY shipping a motorcycle (no POV). Most company's I've called will only cover auto insurance and let you add a motorcycle policy to make a combo. Does anyone know of independent motorcyce insurance policies covering overseas (particularly Guam) without having to insure a vehicle along with it? (I've tried most big named companies and even the independent companies on the island, and so far no luck!)""

Cheap Auto Insurance in FL?

I'm 19 years old and I got my license in Sept of 06 (almost a year) My insurance is REALLY HIGH! By myself I am looking at around 700 a month (my car is Fianced, 04 Mitsu lancer ES) so I am put under my 22 year old boyfriend insurance. With his 02 Audi A6 and my car, we are paying 495 a month. (South Florida) (Esurance is who we have) We have called Geico and Progressive adn State Farm and nothing is giving us a smaller quote. Does anyone know a good insurance company that is cheaper with students, new drivers, etc..? We also do not live in the same household, and some insurance agencys will not cover us for nothing living together. But anyways, just let me know if you know of a cheaper insurance agency. Thanks.""

How much is car insurance?

How much is car insurance for a 17 year old teenage boy as I'm learning to drive and want to buy a car at some point?

Which good websites give feedback from people on car insurance companies?

I am taking out a car insurance policy. What websites are appropriate for getting user feedback on different car insurance companies e.g. then I can make my mind up if there are serious flaws internally based on user experience

Car Insurance?

I am in the process of my my own car. I have been sharing my dads old car with my sister. I am 21, I got my licesnce when I was 18, and I have not yet had it three years. My dad called the insurance company and they told him it would be over 2600 paid in full because I have not had my liscence for 3 years, and in January it will drop. is this true, or does he just not want me to get a car?""

Home Owners Insurance?

My wife and I are planning on buying our first home and are currently shopping for mortgages. As a first time home buyer I am a little bit confused about a few things and I thought I just ask here :) One of the mortgages we looked at (online, from our CU) listed a Hazard Insurance Monthly in the Prepaids & Reserves section (which is part of the closing cost). - I am aware of the need of Homeowners Insurance, but does that include or exclude Hazard Insurance? - The monthly rate for Hazard Insurance was listed as $1,900. That seemed extremely high to me, so my question is: What is an average amount for Hazard Insurance (or Homeowners Insurance in general)? FYI: The home we are looking at is located in the SF Bay Area and will have a value of approx. $700,000. Any comment will be appreciated...""

Car Insurance?

I wanted to know how much would it cost for a 16 year old teen to get car insurance just to cover damages to someone elses car they damaged would it cost alot or not?

Car insurance for an ocassional driver..?

I am 17 years old and I am getting my g2 class license in a week. I plan on going as an occasional driver on my moms car which is a 2002 or 2003 Ford Cougar. Does anyone know what the price of insurance would be a year approx? I know she pays about $120 for car AND house insurance... for an occasional driver on a red 2002 or 2003 Ford Cougar (red sports car) how much would insurance per year be? Any help would be great thanks!!! :)

""My father has been here in the usa for 25 years and has diabetes, obviously he cannot get insurance because he""

my father has been here in the usa for 25 years and has diabetes, obviously he cannot get insurance because he wasnt born here on usa but he has diabetes really bad and serious, does anyine know how i can help him get medicine? some type of program maybe? or how much does the top diabetes medicines cost? i would appreciate any kind of help.""

Renault Clio insurance for a 17 year old girl in Coventry?

I turned 17 last week, and plan on buying a Renault Clio for less than 1000, (about a 2001 reg). I have trauled all over the internet and cannot really find a decent quote anywhere, so I was wondering what an approximate cost of insurance would be? Thanks! Or if not, what are the best suggestions for a first car? Cheap insurance very important!!""

What are some affordable health insurance plans?

I am 20 years old and do not have health insurance and I need to get my wisdom teeth pulled! So i'm looking for an affordable health insurance.I've already applied for Medicaid and was denied.I need help please!

What is a semi fast car that has a semi cheap insurance rate for a 16 year old new driver?

I am trying to find a car that is fast enough that i can have some fun in but im not going to be spending a lot for insurance. I also want to have a car htat would be good to hook up.

A question regarding auto insurance?

even though I have no need of a car/cant afford one, my parents are still pushing me to get a license as soon as possible because they say it will reduce your insurance cost when I eventually do get a car, are they right? thanks""

Maternity and Health Insurance?

If you have health insurance but do not have maternity insurance. Does the health insurance cover any of the hospital. etc fees? Example...Hospital stay?

TSC Direct Car Insurance?

Does anyone have any experience with this insurance? I have seen lots of ads for it on the subway. Got a quote today from the website and it is waaaayyy less than what my boyfriend is paying with Geico. Good reviews? Bad reviews?

What is the best and most affordable car insurance company in New York?

Particularly NYC?

Car insurance? will it go up if no claim is made?

son had car accident, was on partners polcy, wrote car off, no other vehicle was involved, insurance company have found out about the accident somehow (due to one of these no win no fee companies getting his details as he had a passenger in the car who was not injured, but who had not contacted them ) son is 18, wants to get on the road again, but we are worried about how much insurance will cost him. we havent claimed for his car either, can any please advise""

Insurance copay question?

My girl and I each have our own separate health insurance plans through our respective employers, she recently gave birth to our first baby ( we're not married ) She used her insurance plan to cover the hospital fees and we expect to pay about twenty percent of the bill as a copay. Would MY insurance help cover all or part of said copay? I'm guessing it will be about two thousand dollars. Thanks in advance for your help.""

About how much will ensureance cost me?

https://www.linkedin.com/pulse/i-rear-ended-california-insurance-anyhting-can-do-fred-huntley"

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itsworn · 7 years

Text

Build Your Own 455HP Pump-Gas Magnum V8 For Around $4,000!

Pretty much every day, a magazine or media outlet gets slammed for touting “cheap horsepower.” There seems to be a disparity between what readers and the media define as affordable, so before we continue let’s try to clear that up. Here at Mopar Muscle, something that is built on a budget is not going to be a grenade with the pin pulled, nor is it going to rely on some unobtainable tidbit we’re relying on you to pull out of a mythical scrapyard. In our quest to build the Budget Sledgehammer—our 5.9L Magnum small-block—we faced the fact that most are going to head to the internet to order their parts new. The one exception to that is the basis for our build-up—the donor core 5.9L Magnum engine itself.

Of all the Chrysler V8s, no other engine is present in salvage yards in greater numbers, except perhaps the 5.7L Hemi. And while the Hemi might arguably be more numerous, the Magnum is certainly less expensive. In useable form, these can typically be picked up for well under $500—sometimes even less. The larger 5.9L version—which we’re using here—is on the high end of that spectrum, and 5.2L cores can be had for as little as $100. Even if you have to go through two or three of them, the dollars pencil out about the same. At the end of the day, even if you have a pro do all the heavy lifting on an engine like ours, you’re still buying a complete turnkey engine for less than the price of a bolt-on blower kit for a late-model Hemi. If you build it yourself, a good core and all the parts can be scored for around $4,000.

Cylinder Heads

The inspiration for our Budget Sledgehammer comes from EngineQuest’s CH318B cylinder head. We detailed it in an earlier story [here], but in a nutshell these stock-appearing iron cylinder heads fix a number of problems inherent in the stock Magnum head, namely cracking and warping. When EngineQuest designed these heads for the reman market, they also endowed them with more flow and improved the pushrod pinch in the intake port. With a little work, these reman heads can outflow aluminum performance pieces. Companies like Hughes Engines and IMM Engines (who helped us with this build) have seized on that and brought their own versions to market, with our IMM-prepped pieces easily topping the 260 cfm mark at .600-inch lift.

To backtrack a little, the EngineQuest CH318B casting was designed to be used on a Magnum block, but it has the LA-series intake bolt pattern, so it can take any of the wonderful high-performance LA intakes (318/340/360) on the market. This increases the horsepower and keeps a cap on the cost. When IMM modifies the EQ heads, they open the valve pocket area, blend it into the throat, put a nice valve job on it, and put larger 2.02-inch intake valves in them. At $1,469 for a pair, it’s easily the most expensive part of this build-up, but good heads are essential for making power. For those curious about using them with a Magnum intake, you’ll be glad to know EngineQuest also offers the CH318A—an identical casting that retains the Magnum intake bolt pattern.

Induction

Pairing your cylinder heads with an intake manifold that’s appropriate for the flow capability of the heads and the planned use is critical. This factory-based 5.9L Magnum is going in a 1973 Plymouth Duster that will see mostly street use with occasional drag action. Our 10.4:1 short-block, detailed in a previous story [here], has a Comp Mutha Thumpr hydraulic-roller camshaft with .556/.542 inches of lift (using 1.6 rockers) and 235/249 degrees of duration, ground on a 107-degree lobe separation angle. When talking about an engine for a hot street car, this is smack-dab in the middle of goldilocks territory. We’ll be able to run on ordinary 91-octane pump gas without detonating, and the valve timing will provide enough flow to produce serious power without causing ill manners or bleeding off too much cylinder pressure.

Our compression, cylinder heads, and cam choice all point to using an intake manifold that will accentuate performance on the street with lots of off-idle grunt, a fat midrange, and a top-end that holds on until the limit of our modest valvetrain is reached—about 6,000 rpm. Going with anything bigger means spending a bunch more on everything from valvesprings and rockers, to big headers and a bigger fuel system. Mission creep is the biggest problem the DIY engine builder faces, so we firmly staked out our street territory with Edelbrock’s Performer RPM AirGap intake. This piece is a third-generation dual-plane design that maximizes all the benefits of a dual-plane (wide powerband, good street manners, thermal management) while modestly stretching its capability into race territory.

While valvetrain options abound—including some very nice pieces from Hughes Engines which we plan to cover at a different time—we opted for a bare-bones approach here. Our cam lift being in the mid .500-inch range dictated the use of cost-effective beehive springs paired with 1.6 ratio Comp High-Energy roller rockers. We initially tried a ball-style rocker with a roller tip, but upgraded to the full rollerized High Energy rocker after discovering some binding. Fortunately, we were able to use a small-block Chevy part number, which kept the price in check. Likewise with the pushrods. Due to IMM’s .035-inch longer Ferrea valves and the extra valve lift, we used a Ford-sized 6.900-inch chromoly pushrod, saving a little money there as well.

Carburetion

In the universe of carburetors there are many great choices. Chances are, you have several in your garage that you’ll probably dust off for a build-up like this, but if you do decide to buy new, one of Quick Fuel Technology’s Street-Q units would be a sound choice. The Street-Q series is chock full of racer features and comes in a bunch of sizes (650, 750, 850, and 950 cfm). They are unbelievably inexpensive (our 650cfm unit costs just $482), they’re offered with either vacuum or mechanical secondaries, and have the full range of tuneabilty. Ours was almost perfect right out of the box, only needing a slight drop in primary jet size to get our air/fuel ratio right in the 12:1 sweet spot. By having a square bore footprint and a modular Holley 4150 architecture, it’s easy to dive right into a QFT double-pumper. With high-end features like adjustable high-speed air bleeds, four-corner idle mixture, two-circuit metering, large sight glasses on the bowls, adjustable secondary linkage, and downleg boosters, even the serious racer will feel right at home with the Street-Q.

Ignition

Driving our ignition system choice was a couple of things. Obviously, we wanted to keep the price down, but we also wanted a stock look. We arrived on the Pertronix Flame Thrower cast-look distributor for both of these reasons, but we also liked the fact that it had Pertronix’s new Ignitor III ignition module mounted deep inside. This little jewel brings any vintage muscle car into the modern age with stuff like an adjustable digital rev limiter, multi-strike capability all the way up to redline, and five times more spark energy than a points system. Digging deeper, we liked the adaptive dwell, which like an HEI, expands the dwell time as rpm increases, meaning your coil will have plenty of juice—even at high rpm. It’s a mean little distributor, and when paired with Pertronix’s Flame Thrower III coil with 45,000 volts (at just 0.32 Ohms), makes for a power-packed combo. Carrying the sizzle to our NGK FR5 plugs was a set of universal 8.8mm Flame Thrower wires. All in, our Pertronix bill came to around $360, but given that we’ve seen marginal vintage ignitions cost as much as 50 hp on the dyno, it’s a price we were willing to incur.

Headers

It’s common practice for dyno operators to use the same set of headers on the dyno for the sake of simplicity. These are often large-diameter, long-tube step headers that easily clear the dyno apparatus, and that produce big numbers on the screen due to their optimized design. In practice, however, these dyno headers rarely fit into real cars like our 1973 Duster. For that reason, we ordered a set of Patriot 1 5/8-inch diameter long-tube headers with a block-hugging design (part No. H8206-1, $406.97 Summit). These are specifically for a Chrysler small-block being used in an A-Body, so their various twists and turns are designed to clear steering and suspension components without rubbing on sheetmetal. Being a long-tube design, they also boost horsepower and torque, widening the powerband in the process. An attractive ceramic metallic coating further ads to performance, and holds the inevitable corrosion at bay. We think the Patriot long-tubes were a good choice, producing nice power even though they weren’t optimized for the dyno environment. The good news is that thanks to our Patriot long-tube headers, the numbers we got for the Budget Sledgehammer are representative of what we’ll get once installed in our Duster.

Dyno

With our long-block assembled, loaded on the dyno, and filled with Torco 10w30, Brian Hafliger of IMM Engines ran a tuning loop on the Budget Sledgehammer, adjusting the total timing to 34 degrees and making a minor adjustment to the primary jetting. With everything up to temp and checking out, it was time to make a full power pull, first optimized with the 650cfm Street-Q carb. We had our sights set on a solid 430 hp—about what a similar vintage Vortech small-block Chevy might produce with similar equipment. What we got was a solid 461 lb-ft. at 4,500 rpm and 454 hp at 5,800 rpm. The little Street-Q blew us away, so we were understandably eager to try the 750.

Typically, a larger carb on an engine equipped like ours would be worth 5 to 10 hp more at key points in the power curve, but once we had optimized our jetting for the bigger 750, it turned out not to be so. That said, the big double-pumper produced 465 lb-ft of torque at an even lower 4,400 rpm (+4 lb-ft.), and 455 hp (+1 hp) at the more elevated speed of 6,000 rpm. Average torque increased by 2 lb-ft and average power improved by just over 2 hp. That’s pretty much a wash—not enough to really feel in the seat of your pants—but since the price difference is only $36, probably still worth the money.

Our big problem now? The Budget Sledgehammer has enough slam to break just about every part in our Duster’s slant-six driveline, from the fragile factory 904 TorqueFlight, to the toothpick driveshaft and wimpy 7.5-inch rearend. We have some serious updating to do before we drop it in and bolt up some slicks, so stay tuned as we get underway with more wrenching on our Duster!

Dyno Results

5.9L Magnum Small-Block

QFT 650cfm Carb QFT 750cfm Carb RPM: TQ: HP: TQ: HP: 4,000 453.9 345.7 449.6 342.4 4,100 458.1 357.6 458.2 357.7 4,200 460.2 368 461.8 369.3 4,300 460.8 377.3 462.6 378.8 4,400 461.3 386.5 465.8 390.2 4,500 461.7 395.6 465.2 398.6 4,600 460.3 403.2 464 406.4 4,700 459.4 411.2 460.4 412 4,800 456.6 417.3 458 418.6 4,900 451.6 421.3 451.5 421.2 5,000 447.7 426.2 455 433.1 5,100 444.8 431.9 450.3 437.3 5,200 440.6 436.2 445.1 440.7 5,300 435.2 439.1 431.3 435.3 5,400 426.5 438.5 432.3 444.5 5,500 421.1 441 426.4 446.5 5,600 411.9 439.2 420.9 448.8 5,700 413.6 448.9 415.4 450.8 5,800 411.7 454.7 410.1 452.9 5,900 402.3 451.9 404.6 454.5 6,000 397.9 454.5 398.6 455.4 Average: 439.9 416.5 442.2 418.8