Deleted
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Post by Deleted on Feb 14, 2016 11:12:33 GMT -5
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zibazinski
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Post by zibazinski on Feb 14, 2016 11:31:10 GMT -5
$170 a month She has her auto insurance through my firm. Her agent walked into my office and dropped the new quotes on my desk. I thought you said in your car thread that you wrote it. I remember because you were talking about insurance scores being a letter from A-Z until some of us in the business pointed out that you were wrong. If you didn't, why is an agent sharing confidential policy information with someone who is not a named insured or a listed driver? And am I the only one who thought there was only 3 kids? Or am I missing something? If you're going to make this stuff up as you go along, you should start writing it down so you can at least be consistent. No, there's four but one is not at home. We found out about the younger boy very late in previous threads. But you can bet that one that isn't living in the home is getting some subsidy as well.
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Post by The Walk of the Penguin Mich on Feb 14, 2016 11:34:55 GMT -5
I think it's Texas but I'm Not sure When I lived in TX, I was walking out to my car and the bag boy accompanying me was admiring my car (Mazda MX6). He had just bought a used Civic, fully insured and his insurance was $150//mo. This was in 2000. So $170 isn't absurd, especially in TX. At the time, I was paying about $75/mo myself.
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andi9899
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Post by andi9899 on Feb 14, 2016 11:44:34 GMT -5
I thought you said in your car thread that you wrote it. I remember because you were talking about insurance scores being a letter from A-Z until some of us in the business pointed out that you were wrong. If you didn't, why is an agent sharing confidential policy information with someone who is not a named insured or a listed driver? And am I the only one who thought there was only 3 kids? Or am I missing something? If you're going to make this stuff up as you go along, you should start writing it down so you can at least be consistent. Cut him some slack. He isn't making it up. He said in a thread awhile back that that she has 4 total, but the 4th she adopted when he was 18 and is grown, married and in the Marines. I can be harsh sometimes, too but I try to remember it's not very productive poking holes where there are no holes. Perhaps you missed the part in my post where I said that I may have missed mention of the fourth child. I wouldn't say that I'm trying to poke holes where there are none. Just pointing out other inconsistencies while giving benefit of the doubt regarding the fourth child.
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Miss Tequila
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Post by Miss Tequila on Feb 14, 2016 11:47:33 GMT -5
To put her on your policy Tequlla? I know it helped we have 3 people on a two car policy, but that would be beers situation too. I'm looking for my papers to find my exact numbers... Yes, that is a small, sportier car. The insurance would be greater I guess. Yes, to put her on our policy. Well, now the exes policy since the car is in his name (we split the cost of her insurance).
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andi9899
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Post by andi9899 on Feb 14, 2016 11:48:04 GMT -5
Yes, as Andi demonstrated in that her quotes varied 280$ a month. If my rates had gone up 2k a year though, I would certainly be shopping it around rather than taking that first quote no questions asked. A quick search ahows that, unless she is already somehow paying astronomical rates, or the car is a sports car? ... Anyway, I would be shopping rates at that quote to at least see.... Definitely. Some companies aren't as friendly to younger drivers. The company I work for is not. I quoted it when Thing 1 started driving and found it for half the price elsewhere. I gave it another shot when Thing 2 got her license and it was still a horrible quote. The commission didn't offset the premium increase.
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beergut
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Post by beergut on Feb 14, 2016 14:15:05 GMT -5
But one has beers car which he has said is not on her insurance. The Sentra is now on GF's insurance, hence it going up $170 a month. When I bought the car, the agreement was that I would pay the insurance until 16 YO got her license, wherein the insurance cost would switch to GF.
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beergut
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Post by beergut on Feb 14, 2016 14:19:23 GMT -5
But I don't think $170 a month is bad for full coverage of a teen driver. I'm sure there's uninsured motorists in there as well. Because a lot of people drive around without car insurance now because it's so expensive. It is full coverage, including uninsured motorist. It also has a low deductible, hence one of the reasons it is so expensive.
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beergut
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Post by beergut on Feb 14, 2016 14:33:37 GMT -5
$170 a month She has her auto insurance through my firm. Her agent walked into my office and dropped the new quotes on my desk. I thought you said in your car thread that you wrote it. I remember because you were talking about insurance scores being a letter from A-Z until some of us in the business pointed out that you were wrong. If you didn't, why is an agent sharing confidential policy information with someone who is not a named insured or a listed driver? And am I the only one who thought there was only 3 kids? Or am I missing something? If you're going to make this stuff up as you go along, you should start writing it down so you can at least be consistent. I did write her original policy. And I didn't say insurance scores are a letter from A-Z, I said the credit ratings (not credit score) that we receive are a letter from A-Z. If you're going to pat yourself on the back, get your facts right. The transaction here involved a change car on my policy (take off the Sentra, put on the Corolla) and an add car on her policy. If you remember my previous thread, I mentioned that I seldom write auto policies. Another agent in our office offered to do the change car/add car on the policies, and when she was done, she dropped the new quote on my desk. Are you really that hung up on the semantics of 'her agent'? It isn't 'confidential policy information' when the named insured on the car is me, and it is changing to a new name insured.
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zibazinski
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Post by zibazinski on Feb 14, 2016 14:38:15 GMT -5
But I don't think $170 a month is bad for full coverage of a teen driver. I'm sure there's uninsured motorists in there as well. Because a lot of people drive around without car insurance now because it's so expensive. It is full coverage, including uninsured motorist. It also has a low deductible, hence one of the reasons it is so expensive. That totally makes sense. If you can't afford a large hit/deductible then you have a low one. That costs more.
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TheHaitian
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Post by TheHaitian on Feb 14, 2016 14:41:40 GMT -5
Wow this thread is still going Beergut if your girlfriend nets over 6k/month that means she grosses over 100k/year . She doesn't have any credit card debt, so where is all the money going? How big is the mortgage on that house? I know people say kids are expensive but still... We net a little more than that but I can pin point where it is all being spent : mortgage, student loans, fertility treatment loan and car loan.
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zibazinski
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Post by zibazinski on Feb 14, 2016 15:17:45 GMT -5
Purses, shoes, jackets, dinners out!!!
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Post by mojothehelpermonkey on Feb 14, 2016 16:23:36 GMT -5
I don't think the boy gets much of a mention? Although I seem to remember there being one. I remember the first thread there was mention of two girls because of the camp talk. Then in the car thread the boy was mentioned because he hasn't accepted beer as a "stepfather". I don't remember mention of a grown child that lives outside the home. Then again, there could have been mention of one and I missed it. Yeah, there is a boy. I think he is 13. These threads are interesting to me because some of it reminds me of the wonky dynamics in parents' post-divorce relationships. Therapy for all, I say!
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andi9899
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Post by andi9899 on Feb 14, 2016 16:51:47 GMT -5
I thought you said in your car thread that you wrote it. I remember because you were talking about insurance scores being a letter from A-Z until some of us in the business pointed out that you were wrong. If you didn't, why is an agent sharing confidential policy information with someone who is not a named insured or a listed driver? And am I the only one who thought there was only 3 kids? Or am I missing something? If you're going to make this stuff up as you go along, you should start writing it down so you can at least be consistent. I did write her original policy. And I didn't say insurance scores are a letter from A-Z, I said the credit ratings (not credit score) that we receive are a letter from A-Z. If you're going to pat yourself on the back, get your facts right. The transaction here involved a change car on my policy (take off the Sentra, put on the Corolla) and an add car on her policy. If you remember my previous thread, I mentioned that I seldom write auto policies. Another agent in our office offered to do the change car/add car on the policies, and when she was done, she dropped the new quote on my desk. Are you really that hung up on the semantics of 'her agent'? It isn't 'confidential policy information' when the named insured on the car is me, and it is changing to a new name insured. It is confidential information if you are neither the named insured or the agent. And how would you add your car onto her policy if it doesn't belong to her? You can't insure something that is not yours. Did you sign the car over to her, because you clearly stated earlier that your car isn't on her policy.
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andi9899
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Post by andi9899 on Feb 14, 2016 16:52:51 GMT -5
Insurance is more expensive when everyone has their own car. Is your car on her policy? Hell no. Here. Just in case you needed to see it again.
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beergut
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Post by beergut on Feb 14, 2016 18:09:44 GMT -5
Here. Just in case you needed to see it again. When oped posted that, I may have misunderstood her meaning. When she asked if my car was on GF's policy, I took her to mean the Corolla. The Corolla is on a separate policy, which is why I answered 'hell no'. The Sentra was just added to GF's policy.
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Post by Deleted on Feb 14, 2016 19:29:21 GMT -5
Yes, I meant the car the girl would drive. So there are 3 people 3 cars. That makes a difference. So I looked. My policy is usually 1199 a year and increased 732 when I added son, so increased 61%. That was influenced by the fact that he doesn't have his own designated car on the policy I know, 2 cars, 3 drivers. Don't know why I needed to find that it interests me how varied policies, etc are. But I'm not sure enough would be interested to start a thread about it
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Post by Deleted on Feb 14, 2016 19:33:52 GMT -5
Her ability to shop around for insurance might be limited by the fact that it's not her car. I've heard few companies allow that.
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Post by The Walk of the Penguin Mich on Feb 14, 2016 20:53:09 GMT -5
Her ability to shop around for insurance might be limited by the fact that it's not her car. I've heard few companies allow that. I know that I could add TD's cars to my policy at USAA. Likewise, he could have added mine to his at Amica. However, he gets a multi-line discount as he also has an umbrella and his homeowner's policy through Amica. It becomes an issue for me to add his home to my USAA policy, as I am not on his deed. So this is not a problem in WA with either of these insurance companies.
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Deleted
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Post by Deleted on Feb 14, 2016 21:24:21 GMT -5
I just was reading that not all companies will allow it, and it may cost more, because there is issue of whether or not you are as caefull with something you don't own. Ie. No insurable interest.
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wvugurl26
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Post by wvugurl26 on Feb 14, 2016 21:29:08 GMT -5
My brother and dad are listed as other drivers on my policy. It's been that way for a good seven years or so. My brother does frequently drive my car so I leave it. I doubt I would save much dropping dad off.
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Post by Deleted on Feb 14, 2016 21:31:09 GMT -5
Wvu, do they have their own policies? Or are those their only diving insurance policies?
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wvugurl26
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Post by wvugurl26 on Feb 14, 2016 22:11:39 GMT -5
They have their own policies and vehicles. It just ended up that way when we all lived together and had the same agent. That way we all got the multi car discount.
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8 Bit WWBG
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Post by 8 Bit WWBG on Feb 20, 2016 11:36:11 GMT -5
So beergut have you guys talked? Has any progress been made on a joint budget? How is the prom thing going?
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Post by Deleted on Feb 20, 2016 11:49:35 GMT -5
beergut, I thought about you. I filled in during HR for a junior teacher, and her girls were looking at prom dresses. One girl said, "But my mom would never let me spend $500 on a dress!" I tried to help her brainstorm ways to get a dress like what she wanted. Renttherunway or whatever only has dresses that are too "old." The local rental places either have dresses that are dated or more appropriate for a pageant. The girl has reddish blonde hair (really a beautiful color . . . like rose gold) so she also has to really be careful with colors. Her skin is so pale that black washes her out. Reds clash with her hair. Her grandmother is into the color thing that was popular ages ago so she is very definite about colors. So on and on. I wonder if she will find a way to get the dress. I'm betting on her grandmother coming through, either buying it for her or paying half.
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Cookies Galore
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Post by Cookies Galore on Feb 20, 2016 12:01:41 GMT -5
beergut, I thought about you. I filled in during HR for a junior teacher, and her girls were looking at prom dresses. One girl said, "But my mom would never let me spend $500 on a dress!" I tried to help her brainstorm ways to get a dress like what she wanted. Renttherunway or whatever only has dresses that are too "old." The local rental places either have dresses that are dated or more appropriate for a pageant. The girl has reddish blonde hair (really a beautiful color . . . like rose gold) so she also has to really be careful with colors. Her skin is so pale that black washes her out. Reds clash with her hair. Her grandmother is into the color thing that was popular ages ago so she is very definite about colors. So on and on. I wonder if she will find a way to get the dress. I'm betting on her grandmother coming through, either buying it for her or paying half. Purple or green would look great on her. Mustard yellow, too, believe it or not (think Nicole Kidman at the Oscars a few years ago). Those are my colors and I have red/blonde/coppery hair.
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dannylion
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Post by dannylion on Feb 20, 2016 12:04:05 GMT -5
beergut , I thought about you. I filled in during HR for a junior teacher, and her girls were looking at prom dresses. One girl said, "But my mom would never let me spend $500 on a dress!" I tried to help her brainstorm ways to get a dress like what she wanted. Renttherunway or whatever only has dresses that are too "old." The local rental places either have dresses that are dated or more appropriate for a pageant. The girl has reddish blonde hair (really a beautiful color . . . like rose gold) so she also has to really be careful with colors. Her skin is so pale that black washes her out. Reds clash with her hair. Her grandmother is into the color thing that was popular ages ago so she is very definite about colors. So on and on. I wonder if she will find a way to get the dress. I'm betting on her grandmother coming through, either buying it for her or paying half. I made all my prom dresses. They were 'way better than anything I could have purchased (for some reason, my parents didn't have any trouble saying "no" to an expensive dress for a teenager to wear once), and there was no danger of having the same dress as someone else.
I guess young women don't learn survival skills anymore. Pity.
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Post by Deleted on Feb 20, 2016 14:19:32 GMT -5
beergut , I thought about you. I filled in during HR for a junior teacher, and her girls were looking at prom dresses. One girl said, "But my mom would never let me spend $500 on a dress!" I tried to help her brainstorm ways to get a dress like what she wanted. Renttherunway or whatever only has dresses that are too "old." The local rental places either have dresses that are dated or more appropriate for a pageant. The girl has reddish blonde hair (really a beautiful color . . . like rose gold) so she also has to really be careful with colors. Her skin is so pale that black washes her out. Reds clash with her hair. Her grandmother is into the color thing that was popular ages ago so she is very definite about colors. So on and on. I wonder if she will find a way to get the dress. I'm betting on her grandmother coming through, either buying it for her or paying half. I made all my prom dresses. They were 'way better than anything I could have purchased (for some reason, my parents didn't have any trouble saying "no" to an expensive dress for a teenager to wear once), and there was no danger of having the same dress as someone else.
I guess young women don't learn survival skills anymore. Pity.
Or maybe they learn a different kind of survival skills . . . like advanced math and science courses. Sorry, but I don't see the ability to sew a prom dress as a survival skill. The ability to earn a decent living for yourself is. And, yes, I can sew.
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8 Bit WWBG
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Post by 8 Bit WWBG on Feb 20, 2016 14:27:00 GMT -5
...:::"I guess young women don't learn survival skills anymore. Pity.":::...
There is a HUGE spread between "I can fix a button" or "I can cuff my own trousers" and "I can sew a formal gown for the prom". Even people who can make respectable t-shirts or slip type dresses or even bags probably would have to do a lot of practice and prototyping before they could get something they would want to be seen in for prom.
ETA: I'd love to be able to make my own suits. I've looked at the stitching involved just in dress pants. Per a relation who attended a respected fashion school, suit jackets aren't in the cards until almost your third year. I'm sure some guys would love to make their own tuxes, and could probably do so for the cost of one rental. But...
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NomoreDramaQ1015
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Post by NomoreDramaQ1015 on Feb 20, 2016 14:39:54 GMT -5
My grandma has sewn her entire life and still would have difficulty whipping up a prom gown. She'd need months to practice and fit me. The fabric alone would probably end up costing a fortune.
This board gets insane sometimes with what it expects people to do to save money.
There is a huge middle ground between $500 on a dress and crafting your own gown by hand.
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