was basically a nanny, non live in, kinds too young to be in school like 1-4 thing she watched 2-3 other kids of the same age
Peoria Illinois suburbs. A little town called Washington. We're about 3 hours south of Chicago. What kind of childcare was your sister paying for? Was it more like an actual school were they prep the kids for grade school/early learning or was it just a woman in her home watching kids all day.
No, and no. I backed into a car that pulled up behind me in a parking lot in 2004. One speeding ticket from ages ago, when I was in my 20s.Do you have full coverage on your 2004 van? Do you have clean record?
So did you shop around? Liberty Mutual was the lowest?No, and no. I backed into a car that pulled up behind me in a parking lot in 2004. One speeding ticket from ages ago, when I was in my 20s.
No, I didn't shop around. I went with them, because they could e-mail me the documents I needed to get my vehicle back on the road, the next day. They were the first company that I called.So did you shop around? Liberty Mutual was the lowest?
I seriously recommend looking into a new carrier. Also try to bundle your home insurance as well. Wife and I have a Luxury Sports Sedan and SUV. We pay $1200 per year for full coverage.No, I didn't shop around. I went with them, because they could e-mail me the documents I needed to get my vehicle back on the road, the next day. They were the first company that I called.
Being frugal isn't the only ingredient to being financially responsible. You never checked your credit, and you failed to shop for insurance. Stop being angry at others and start taking charge.Another thing, that makes them like Comcast in their billing policies.
Their insurance policy, in the electronic documents, lists every coverage benefit, and what the policy cost is of the benefit. The total cost, is the cost of your policy.
So I called their agent a while ago, and tried to lower the cost of my policy. (I have more than state minimums, due to my mother scaring me about stories of "uninsured mexicans" hitting me and suing me on purpose.)
Anyways, I tried to lower my policy costs on one of my coverage benefits by like $600, and the agent said that would only save me $150 off of my total policy cost. Why? The only reason that they could give me, was "discounts". Yet, those prices, in the electronic documents, claim to "include all discounts". (*)
So, in reality, they charge you to the hilt, regardless of your actual coverages, because they "massage" the numbers, to come up with something that matches what your initial coverage agreement was, because they figure that the initial amount that you agreed to, is what you can afford.
It doesn't help that my "assigned agent", lives in a Ritchy-rich town,.
I guess, going in, I didn't realize that getting insurance was like negotiating on a used vehicle.
I'm paying as much in insurance, (without Comprehensive), as my Blue Book value on my vehicle. Every year.
Edit: I guess, I would feel better, and with less animosity towards LM, if they would only be honest with me, and not "beat around the bush", and tell me that they put me in a "high-risk pool", and that's why they've increased my policy costs successively every year, even when I haven't had any tickets or accidents.
(*) For those doing the math, and using logic. If all of the policy benefits costs are added together, and they "include all discounts", then by simple logic, if you reduce the cost of one of them by X, then the total should also go down by X. The fact that they are only going down by Y, when Y is less than X, means that they are raising the cost of the other policy benefits to compensate, or offset for, the decrease in cost of one of them. Which means, that the cost of those benefits is NOT based on risk and risk-sharing, but also, marketing.
One other thing to note is, I have no idea what my credit score is. So, one thing that I've heard is, that insurance companies now charge you, not on your risk factors, but simply, your credit score.
Since my score is probably not too high, that could also explain my insurance costs, although not entirely, if they are "playing with the numbers", as I've previously explained.
But I would appreciate if they were forthright, and told me straight out that the reason that they could only offer me expensive auto insurance coverage, was because my credit score was poor, at least I would know how to improve the situation.
Meh, $87 per day per kid. At roughly 10 hours per day, not reallyChildcare for two at 42 k is fricking criminal.
They do it for tax purposes. Just like maxing out the 401kIf I made half a million and only had 7300 remaining at the end of the year, the first thing Id do is cut out that charity. Seriously, giving away 18K a year?
So, they buy a 1.5 million dollar house, and spit out 2 kids, and expect us to feel bad for them? SMH. At least they aren't on wellfare.
Also, I would imagine I haven't spent 12k on clothes...in 20 years, let alone every year. I mean, they basically are like "oh we makes lots of money, let's spend it all".
I mean, it's not about them spending money so much, but if you look, they spend a ton of money in many areas, rather than making sacrifices in other areas.
Kinda like the government.That's just a slap in the face of the actual average person to even hint at "feeling" average making 500k.
Make far less than that, and it's easy to see how much better off I am than average. And I don't live in a 1.5m home and take 3 expensive vacations per year while maxing out retirement.
They're just completely out of touch with what average is.
Tell you what, pay me 42k a year and I'll keep them 24/7 and return them when they're 18.Meh, $87 per day per kid. At roughly 10 hours per day, not really
Edit: and licensed child care is another deduction on the list. I'm curious what this family would pay/get back in taxes at the end of the year
Easy there, I'll need to see a full background check, your childcare license, and the urine / hair sample test results.Tell you what, pay me 42k a year and I'll keep them 24/7 and return them when they're 18.
Let's see, I have government clearance up to "secret," believe kids should be stirred not shaken and, I don't smoke anything legal. Mostly , I think anyone considering my offer shouldn't have had kids in the first place.Easy there, I'll need to see a full background check, your childcare license, and the urine / hair sample test results.