nutella-gal asked:


My car was hit about a month ago and I had my insurance took care of it all. And now my car is ready to be taken home. The damage probably cost around >$2000, and they’re 100% covered by the insurance (it’s a $4500 car). The question is, do I expect to tip the mechanics? And if so, how much and who am I supposed to give it to? Because I’m sure it’s a more than 1 person’s job. Thank you for your input.

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sbsurfr78 asked:


I’m a 27 year-old full-time college student in CA. Needless to say, at my age, I don’t receive financial assistance from my parents. I have been seeking employment, but have found it to be very difficult to get hired whle attending school. I have qualified for grants, but will not receive them until the Fall 2008 semester. I’m crossing my fingers that I’ll be able to get a job on campus next semester, but if not, what should I do? With rent, cell phone, gas prices, health insurance, auto insurance, etc, I’m barely hanging onto what’s left of my savings. Should I take out a student loan? What have all you students in my position done?
Thanks for the answers! To give you more detail, I have already applied to 75-100 places, including retail. Many of the places state that I’m overqualified (I was an I.T. manager for 7 years). The one place I haven’t applied at yet is restaurants..The job market is terrible here in Southern CA. I’m not whining, just sharing info so that you can better answer the question. Thanks!

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Ricky Lim asked:


In most cases, people know the reasons why their home insurance is affected by the zip code they have. But, they usually dont understant what impacts their rate when it comes to auto insurance. If you do understand this, you will be able to save money when buying a home, as you will understand how saving a few hundred bucks on your house can end up costing you a few thousand dollars in auto insurance in the next few years.

Below you can find out how:

1. The place where you buy your house determines in most cases what mileage you make every year. If you dont live near the places you usually go to (and you have to drive there) your mileage will go up because of this.

Your job is the best example: if your job is 10 miles from your home and you do that trip five times each week, you will drive twice as much as someone who has their work place only 5 miles away.

Also, the area you choose to live in will determine if you have a mass transit access in the vicinity. Using it as often as possible will help get your rate down.

2. Whats the crime rate in the area where you reside? Low or high? The auto insurance rates are also partially influenced by this factor. If you live in a dangerous area, the risk of vandalism and theft is higher, and the rate increases accordingly.

So, when youre in the market for buying a house, take into consideration these issues, as they can increase your expenses in auto insurance premiums if you ignore them.

You should also compare all the information you have on the insurers that are disposed more favorably to the zip code you live in. Their rates can vary.

So, if youre looking for a house, a good tip would be to compare the auto insurance quotes for a number of zip codes and see what the differences are. If your zip code adds an extra $250 to your annual premiums of the auto insurance, in 20 years you will be paying a total of $5,000.



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pukka562 asked:


So… my husband and I are married since Jan of 2005…..
We dont have the perfect relationship but we try so hard….he and I have improved…we get along way better.
We have a baby..our baby was born last year, he will be 1 in march. My husband and I talk alot about bills..and Money…we currently live with my parents and we pay rent. My husband has a job (contracting Company…Suck!) He makes a decent amount of money. I also work at Hyatt…..and I make ok money. My husband and I work paycheck to paycheck…we got into so much debt! we have credit cards, car payments, Auto insurance the baby, IRS, and guess what no savings!!! wow sad! ….
I was talking to him last night and I ask him to join our accounts together that way I can handle the bills and try to pay them off ASAP!!! and also I will try to save money….

*I want your advise……..What do you think I can do to improve our life style….????????? our finances……just tell me something please im so stress out! Help!
This is very interesting so please give it a star!

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Alien asked:


To be confident that we get the best rates, it is vital that we know how to compare different car insurance quotes from various insurance companies. It is obvious that everyone wants to pay as least as they can. But apart from this, it is also important that a good and reputed company is selected that has good services and respond fast.

It is a myth that one company is cheaper than another. Actually, if a company is cheap for you it might be expensive for someone else. Companies offer insurance according to the drivers. If you fit in that criteria, then that company might be the best for you else not. This is just a way to filter out people. Thus it is essential to collect quotes from multiple companies in order to choose the best. The key is to get yourself a cheap quote from a quality company. Now this may seem to be an easy task but believe me it is not. Reputed companies generally have high prices to go with them, so it becomes a very difficult job to maintain a balance between price and the company.

The traditional way to shop for insurances is to physically contact a company or calling them one by one. You can easily be caught in the bait and hook trick in this process. The company might offer you a lower quote on phone but hike it up when you go to them physically. Internet has made it simple for many people to conveniently get their auto insurances. It has definitely made life a lot simpler.

Online shopping for insurances can actually be very rewarding. It is the best method to compare multiple quotes. You can also research about the past and present of the company you are interested in and find out if it is safe to be invested in. Many companies offer instant auto insurance online which is obviously much more convenient than going to every office and collecting their quotes. Also there are some websites that provide you with not just one but many quotes from numerous insurance companies. This is one another advantage of internet. And if you are satisfied with the prices, you can even buy it then and there. So next time when your auto insurance date is nearing its expiration, do not forget that internet is just a click away.



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