My car was T-boned to the side and the driver of my vehicle was found partially at fault (I was not in the car). The repair came out to be around $8500, my deductible is $2000. The car is in the shop right now and will be repaired by the end of this week.
The thing is my insurance renewal is 5/29. I just received a new quote and it is not too much higher than my previous one ($150 -> 200), considering I also moved to a city. The claim is still ongoing and I'm afraid my premium will go way up if it is taken into consideration. Is there any way to avoid the premium from going up before the renewal? Can I ask the shop to keep my car for a bit or something?

I'm with TD for home insurance right now (I also have auto insurance with them) and I noticed that my annual policy changed from about $700/year to $1000/year. Nothing has changed policy wise and I have had no claims since the beginning of this policy. I've been given the explanation that "because of inflation, the replacement costs are substantially higher, which is why the premiums are higher".
Just wondering if anyone else is going through something similar with TD or any other home insurance provider?

Curious about what newer drivers are paying for their insurance - assuming your driving history is little to none.
I know auto insurance is insanely expensive and I want to prepare myself for what I may have to pay once my anxiety lessens.

B2525 Pepper Shaker,n AAe25 Combat Rifle, Be15c LA rifle, Ts50c25 NU LR, G2525 NU LR², Be25 10mm Smg, Fsa mask, ghb, 10k+ stims

B2525 Pepper Shaker,n AAe25 Combat Rifle, Be15c LA rifle, Ts50c25 NU LR, G2525 NU LR², Be25 10mm Smg, Fsa mask, ghb, 10k+ stims +Other weapons I'll have to check

2 years ago my husband was in an accident while driving my car, he does not have a license, the accident was not his fault and my insurance covered my car. He is not on my insurance and I am grateful that they did not drop me.
We have been working on getting his license back for a significant amount of time. We just discovered that because of that accident and driving without insurance, his license is suspended in our state. To get it back, he has to have an SR 22 as well as auto insurance, because apparently it IS possible to have insurance without a license. Had we known, I would have had him added to mine since the beginning. Now I am scared that if I try to add him to mine, I will get into legal trouble for that accident because he technically never should have been driving in the first place (my car was totaled and I believe the other driver was uninsured, I carry full coverage even though my car is/was old).
What are the chances of me being dropped or worse from my current company, or should I try to find a company willing to insure him on his own? Once the insurance part is done, the bmv will lift the suspension and he can schedule his driving test.
Not sure if relevant or worth mentioning: - The actions causing the loss of his license happened a decade ago, when he was a drug addict. He went to prison, did his time, got out and tried to do the right thing with his license only to have it revoked after he paid his fees. We finally got the revocation taken care of, only to discover this suspension when he successfully passed his written exam.

• He has been clean and sober since his arrest. His life has turned around.
  
• I know letting him drive is wrong and the stress has been eating at me daily since it started, please don't be too hard on me for this. We are trying to do right. I am not looking for sympathy, just....please don't tear me down about this.
  

Edit: If you are going to comment on the length of this post, please don't. This is not a simple snark but rather an actual critical think piece about feminism and Taylor Swift.

Introduction

Pertaining to Taylor Swift, "Female Rage" has deviated from its intended meaning after Swift debuted a new performance of The Tortured Poets Department during the Eras Tour. Now, according to Swift's use of the phrase, female rage is interpreted as public backlash against Swift's dating choices rather than as a response to the broader injustices against women and women's rights. This post examines Taylor Swift's flawed feminism, philanthropy, branding, and the controversial trademark petition for the phrase "Female Rage: The Musical". Swift's background as an entertainer, indeterminate politics, and alignment with capitalism over feminism pervades her legacy, again threatening her public tolerance as not just an individual but as a brand.

Once Upon a Female Rage...

If you were cognizant in the early 2010's, you've heard countless jabs at Taylor Swift in the media. Magazines, radio, or online. Music critics did not take her seriously as a songwriter; parents put a woman on an unrealistic pedestal as the ideal role model for their children; she dated too much and used men as lyrical fodder. No matter the story, it inevitably spread, conjoined with everyone's respective opinions, and you'd be left to wonder, "Why does everyone hate this girl so much?"
Taylor's target demographic has always been young or adolescent girls, more so when Swift herself was one. She made music that spoke to the awkward misfit, cultivating a para-social relationship with fans on MySpace, then later twitter, Instagram, and YouTube, where Taylor posted relatable vlogs showcasing the life of a homegrown American girl. Taylor had a delayed public "growing up" and, compared to her female pop contemporaries, Swift never "gratuitously sexualized her image and seems pathologically averse to controversy" (and, apparently, never even had a sip of alcohol until she turned 21). She was more than happy to spin this narrative to allude to an inherent moral superiority above other women in the industry (Better Than Revenge, heard of it?), engaging in the very slut-shaming that she herself endured (the Madonna and Whore archetypes). The victim complex arose with the need to prove Taylor as a different type of pop girl. Based upon her holy and clean image, Swift had been dubbed "a feminist's nightmare", and that "[To Swift] other girls are obstacles; undeserving enemies who steal Taylor’s soulmates with their bewitching good looks and sexual availability." Feminism and Tennessee-Christian country values don't exactly mix, it seems.
Years later, Swift befriended Lena Dunham and thus experienced white feminism osmosis, where Dunham taught Swift that real feminists defend rapists, makes insensitive jokes about rape and abortion, and prioritize all-white casts. Swift then declared herself a feminist in 2014, saying,

"Becoming friends with Lena – without her preaching to me, but just seeing why she believes what she believes, why she says what she says, why she stands for what she stands for – has made me realize that I’ve been taking a feminist stance without actually saying so."

I suppose the male-centric songwriting subject that permeates Swift's discography contained covert feminism and that we just didn't see that. Perhaps, the "Bad Blood" song and music video were written only in jest and not about poor Katy Perry, for Swift, as a feminist, would "never make it a girl fight" or tear other women down (though all Katy did was date your terrible ex-boyfriend and allegedly steal three backup dancers from your tour). In 2013, Swift said, in response to Tina Fey and Amy Poehler's joke towards her serial dating, "There is a special place in hell for women who don't help other women."
There was that time in 2015 Taylor said that Nicki Minaj was "invited to any stage [she is] on" (as if Taylor expects to have access to every stage, award, and platform that Nicki might not otherwise have as a black female artist...yikes!) in response to Nicki's criticism of the white + thin VMA nominations. Later, Nicki responded with confusion, as Swift continued, "It’s unlike you to pit women against each other. Maybe one of the men took your slot..". Of course, this 'beef' was 'squashed' when Nicki performed with Taylor at the VMAs, with Nicki quite literally only having 38 seconds of stage time without Taylor. Maybe all that parading around with a legion of famous white women - similar to the way Taylor might've done with her numerous 1989-era handbags - was in fact a stance against gender inequality, and that this display of "girl power" should be enough to constitute Swift as a feminist icon.
Even while Swift says that Dunham informed her feminist outlook, she dances around the exact contents of those beliefs: "what she believes, what she says, what she stands for" is not exactly insightful towards what beliefs Swift might have inherited. Taylor never broaches women's rights topics such femicide, FGM, forced pregnancy & marriage, sex trafficking, women in slavery, women's financial and political oppression, women's educational rights, women's health, or women's autonomy, so we can assume she only gives a fuck about "girls supporting girls" (whatever that fucking means).
Despite some questionable (and sometimes vindictive) behavior, Taylor as a young woman did not deserve every media lashing that she received. We cannot deny that most headlines and criticisms perpetuated a misogynistic rhetoric which has plagued Swift for a majority of her career. Acknowledging events such as the development of her ED, her sexual assault trial, "Famous" lyric and MV depiction of Taylor, and the explicit Twitter deepfakes, for example, as both disgusting and unfortunate things that happened to a young woman in Hollywood does not negate the fact that Taylor is mostly a performative feminist.

Get Your Fucking Ass Up and Be a Philanthropist, It Seems Like Nobody Wants to Be a Philanthropist These Days

In 2013, Taylor Swift cut the ribbon at the grand opening of the Taylor Swift Education Center at the Country Music Hall of Fame in Nashville, Tennessee. The donation amount - $4 million - was the largest individual artist gift ever donated to the Country Music Hall of Fame, which is, of course, mentioned on Swift's website. The two-story facility features three classrooms, an instrument room, and an interactive children's exhibit gallery. Swift also performed at "All for the Hall" charity shows and has donated numerous artifacts from her career (such as notable guitars, tour costumes, etc) to the museum.
This was over 11 years ago, and it is still the only notable philanthropic contribution Taylor Swift has made.
For a woman of her net worth and stature, and a woman who recognizes the difficulties for women in film and music, you would think that Taylor Swift might establish a scholarship program for women to study the arts or something. Perhaps Swift might even consider becoming a member of organizations that support female artists, or one that supports LGBTQ+ causes (since she is now proudly an ally), yet she remains superficial with her graces. Broader philanthropy, such as donating relief aid to Palestinian women or women impacted by violence and discrimination will probably never receive any financial support from Miss Swift because then she'd be using her money towards philanthropies involving anyone but white entertainers.
She even says herself in Miss Americana, "My entire moral code as a kid and now is a need to be thought of as 'good'." Well, she's certainly thought of as good, though her actions say otherwise. She's more than happy to do a vaguely altruistic song and dance for a clip-worthy interview quote and mass appeasement, then fuck off to one of her mansions on a 20 minute private jet flight, rather than actually contribute to anything pertaining to the causes she has endorsed. Yet, far too many people continue to give a woman such as her their money, time, and energy, and she hoards these resources to herself.

I Like Some of the Taylor's Songs, But What the Fuck Does She Know About Feminism?

Swift continued with her self-proclaimed feminist campaign, positioning herself as a political activist and LGBTQ+ ally in the Miss Americana documentary. The primary focus of the documentary consists of the sexual assault trial, Andrea Swift's cancer diagnosis, Taylor's ED and body dysmorphia, media scrutiny, and, largely, finally speaking up about her politics publicly, mostly her opposition to the 2018 Tennessee Republican senate candidate, Marsha Blackburn, and Blackburn's beliefs. Swift says, following a scene discussing her experience during the trial,

"I just couldn't really stop thinking about it. And I just thought to myself, next time there is any opportunity to change anything, you had better know what you stand for and what you want to say."

We must ask ourselves, though: when has Swift ever spoken up to change anything? Okay, pulling her entire catalogue from Spotify because they didn't pay their artists enough and similarly pulling her catalogue from Apple Music are changes that she leveraged due to her revenue potential and power, but they are not pertinent to the average woman's rights. Moreover, these are issues that directly impacted Taylor's income, which was enough reason for her to protest in the first place. Swift has sold the most units for a female artist in first week sales, is the first female artist with 100k monthly Spotify listeners, is the first female artist to win the Album of the Year Grammy 4 times, and is the first female artist to do X, Y, and Z, all while being inoffensive and family-friendly to boot. The actual Taylor Swift seems unwilling to compromise the brand of Taylor Swift by contributing in meaningful ways to feminist causes, especially if it is for women outside of America and Hollywood.
The reason political anthems such as "The Man" and "Only the Young" of the Lover era feel disingenuous and corporate is because, well, it is. Taylor has taken every opportunity to advance her career or public image at the expense of other women. What is truly genuine to Taylor's outlook on other women is vying for male attention, taking down female competition, and vocalizing feminist injustices only if they directly impact her and her money. Some will argue that it's satisfactory for a woman with such a huge platform to even TALK about feminism, but that just isn't enough. It's even less impressive when you candidly look at the scope of her feminist lens: "If I was the man, then I'd be THE MAN", or "I really resent the ‘Be careful, buddy, she’s going to write a song about you’ angle, because it trivialises what I do", and, of course, "We all got crowns". Feminism, but only when it happens to me. It gets worse when you look at Taylor's track record of copying other famous women and removing other female artists as potential threats to her pop prowess.
It's good for PR to align yourself with certain blanket feminist and political beliefs, therefore good for branding, therefore good for ticketing and merchandise sales, therefore good for business. And Taylor Swift is a business.
She's not a feminist. Taylor Swift is a capitalist.

I Can't Pay Those Sweatshop Workers a Livable Wage or Benefits! How Else Would I Make My Billions?

Recently, Taylor's team filed to trademark the phrase "Female Rage: The Musical" after Taylor said during Paris N1 of the Eras Tour,

"So you were the first ones to see The Tortured Poets at the Eras Tour...or as I like to call it, 'Female Rage: The Musical'."

This trademark petition was filed last week on Saturday, and news comes about just as numerous unofficial fan-made merch designs have cropped up with this phrase plastered on Fruit of the Loom basics. I'm of the opinion Swift's team motioned for a trademark so that they can send out cease & desists to all those that make knockoff merch, which disrupts potential sales for Bravado, UMG's choice merchandising company; however, since it was filed earlier, perhaps Swift has bigger plans with the bizarre use of the gendered phrase. One Swiftie referred to the phrase "female rage" as "a funny Eras Tour joke". Could it be a possible fourth version of the Eras Tour Movie? Whatever the reason, the motion to capitalize off of such a concept is disgusting, but not unsurprising, for a woman that profits on her vain feminism.
Swift, through her company, TAS Rights Managements, has also trademarked over 200 phrases, including "1989", where she owns the property rights to this calendar year on keychains, phone cases, sunglasses, stationary, bags, beverage ware, clothing, entertainment services, your subconscious, and, of course, Christmas ornaments.
The vapid consumerism in Swiftie culture is, frankly, disgusting. Bravado's sustainability statement is non-existent, the quality control is abysmal, and the materials they use are horrible. The materials, such as acrylic and polyester, are made from petrochemicals. This means they are non-renewable, shed microplastics, and are quite toxic in production. The manufacturing process to make all of those lazy-rushed Eras Tour logo graphic tees is a huge blow to environmental well-being. Apparently, though, Swifties don't give a fuck. They sell out products in seconds and either have to face the manufactured scarcity or buy from a scalper that resells for 200% of the already ridiculous retail price. This doesn't include the environmental impact of vinyl records, CD, and cassette production, of which Taylor produces many variants that sell unsustainable amounts.
If we're talking about women's rights violations, why is no one acknowledging the women that work in the inhumane sweatshop conditions that have to pump out fugly t-shirts and hats? The millions of plastic microfiber dander they are inhaling, or the toxic dyes that touch their bare skin? Are they being compensated fairly for their skilled labour and are they in safe working environments? Do these women have minimal bargaining power, and do they have authority over their worker's rights? Is Taylor Swift female raging at their injustices? Does Taylor Swift ever feels bad that her wealth was built on the backs of women of color, disadvantaged by the demands of the global economy and garment industry? Do you think she ever says a little white feminist prayer for them before she goes to sleep at night?
What's even crazier is not that Taylor herself doesn't care, it's that Swifties don't care. There CANNOT BE ethical billionaires. You only make a billion dollars if you are exploiting other human beings for capital gain. Based on public perception of the possible "Female Rage: The Musical" trademark, it seems like Swifties are already asking for merch with this phrase. "If Taylor made it, I'd buy it." Oh, cool. So not only do you champion Miss Swift's avarice and billionaire status, but you also are unashamed to admit to your blind consumption of her music and merchandise, no matter where they might originate in production or sincerity. Just as Swift takes and takes and takes, Swifties' consumerism of Taylor Swift cannot be quelled.
The tortured artist's most vulnerable and sincere poetry...available now in 21 different versions!

I Am Tortured Poet, Hear Me Whinge

Look - even if Taylor's intention is to characterize TTPD as more "tortured" and "angry", the main thread of the album is "I was ghosted by my decade-long situationship with a controversial indie boy and my fucking stupid fans wrote a 'Speak Up Now' open letter prompting me to drop him" anger, which is adequately expressed in the lyrics and performances. The extent of Taylor's "female rage" on TTPD is on tracks such as "Who's Afraid of Little Old Me?", which contends with relentless media scrutiny; "But Daddy I Love Him", where Swift firmly states she'll date whoever she likes no matter how "Sarahs and Hannahs" may react; and "The Albatross", a track mythologizing her reputation and the consequences of dating her. Of course, these coincide with deep psychological wounds that formed during Swift's early years in the media, and so, from her feminist perspective, these subjects tackle the misogyny and double standards that she faced.
Yet Taylor Swift still has no grounds to be claiming that TTPD best exemplifies female rage and therefore she, in the context of this album, is female rage incarnate. As the daughter of a stock broker and mutual fund marketing executive, Taylor was born into wealth and allowed privileges like trips and subsequent relocation to Nashville all so that she might get a record deal. Her father even invested at least $120,000 into the then-fledgling label, Big Machine Records, which ensured Taylor's place with Borchetta after leaving her dead-end development deal with Sony. The fact that her parents were able to buy her a fucking brand new guitar for Christmas and pay for music lessons says so much about the financial security and safety of her childhood.
Money is privilege and protection, and despite Swift's experiences with misogyny and loser boyfriends, she does not know what female rage is.
Her rage is derived from her frustrations with her obsessive fans pulling the moral superiority card on Taylor in response to her rebound with Matty Healy. That's literally it. She's just pissed that the monster she created is no longer obediant, it's become a feral, sovereign entity that depletes the world of its natural resources and thinks it is more intelligent than it actually is because it's mommy has started to talk to it with big words. Apparently, 'illicit', 'elegy', 'nonchalant', and 'precocious' are considerably big words for the oafish monster, and I find it strange that this level of literacy is present in a group of fans that allegedly have GPAs of 3.5 or higher, but I digress.
Taylor Swift has never been one paycheck away from destitution. Taylor Swift has never experienced racial discrimination. She may have instances of gender discrimination, but she possesses the ideal white, blonde American beauty standard and therefore reaps the benefits of being a conventionally attractive woman. Taylor Swift has sufficient social capital. Taylor Swift is a billionaire woman prolonging her victimhood though she, as a woman, has mostly had control over her image and music (unlike her contemporaries). Taylor Swift is NOT entitled to be championed for her "female rage", nor should she be. Taylor Swift has never even been the struggling artist, for fuck's sake. I don't give a fuck if she's trying to fill the empty lunch tables of her past. Taylor Swift purporting herself, her unpolished album, and her lukewarm feminism as a musical bleeding with female rage is asinine.

Sigh Try and Come For My Job, Poors

Out there in the world right now is a 23-year-old woman, a recent college grad, who works as a barista. She has to wake up and get ready to go into a minimum wage job because she cannot get a job in her field. She doesn't have healthcare benefits or sick time, so she has to go into work no matter how she's feeling. All day long she is berated by vicious customers and creepy men, and, exhausted from being on her feet, she knows she has to go home to her shitty roommate that never does the dishes and her roommate's shitty dog. To comfort herself, she considers getting a treat, but thinks against it when she remembers that matcha lattes cost $15 and they taste like milky dirt. She knows that she needs to buy groceries this week, and so the woman resolves to go home, but notices that her gas tank is low. She goes to put gas in the car, but the pump stops at $27.86 because that's all that she has in her checking account. The woman, bereft and reeling, sinks into the driver's seat. "Well," she thinks, her head in her hands, "at least I don't have Taylor Swift's job. I just couldn't imagine."
Fame is somewhat of a choice. If at any moment Taylor feels that she is misunderstood, misconstrued, or overwhelmed by public opinion, she can LEAVE the public eye - Lord knows she has the retirement fund and residuals to do so. In "I Can Do It With a Broken Heart", the TTPD song about meeting the demands of your career-zenith mega-tour while in the relationship trenches, Taylor ends the song by rambling,

"You know you're good when you can even do it with a broken heart...you know you're good...and I'm good, cause I'm miserable, and no one even knows!...try and come for my job."

Yeah, obviously we wouldn't know, you recently passed the billionaire threshold and are the most famous and in-demand performer in the world right now. Taylor Swift makes an estimated $10 to $13 million dollars A NIGHT on the Eras Tour. Furthermore, the Eras Tour movie grossed $261.6 million globally, (which, as the producer, Taylor takes home 57% of the ticket sales) not counting the streaming revenue from Amazon Prime Video and the estimated $75 million deal that Disney paid to have it on Disney+. We're not even considering the income from cheap plastic popcorn buckets and drink cups plastered with colored squares in her Era-specific likeness.
It's funny. Taylor Swift often said that being famous wasn't hard, that she "isn't complaining". I'm sure it is difficult to always have to present in a good mood, else you'll end up misrepresented in the media, and I'm sure it's invasive to virtually have no privacy or semblance of anonymity. Still, Taylor Swift shows up each night of tour and performs. For a majority of her career, she has penned her sad songs while on the road. Most of "Red", her breakup album, was written in the thick of the Speak Now World tour. Now, some Swifties say they almost "feel bad" for attending the Eras Tour with Swift's revelations in this song, that they have had a 'dimmed experience' upon hearing Taylor's misery whilst performing. Despite the fact that Taylor said that "this was the happiest she's ever been" at Gilette Stadium in May, the lyrics "boohoo, woe is me, smile for the cameras and make the fans happy!!!" are jarring for Eras attendees.
While Taylor Swift was making double-digit millions a night in Rio de Janeiro, Brazil and feeling miserable, Ana Clara Benevides Machado passed away due to heat exposure. The concert promoters, Time For Fun, are now the subject of a criminal investigation due to their lack of adequate hydration and safety. Taylor Swift cancelled the Sunday show that was to follow and offered VIP tent tickets to Benevides Marchado's family, which was a kind gesture, but perhaps incongruous to the incident of which they were offered as consolation. Everyone grieves differently, of course, but I'm not sure attending the very show at the very same venue that my daughter or sister passed away in two days prior, where the singer CONTINUED the show despite her death, would be healthy for closure.
There was no female rage at the show as Swift never saw Benevides Machado pass out. There was no female rage towards the disregard for fans as humans while Swift elected to proceed with her Brazil tour dates despite the country being in historic heatwaves (at risk of overheatting herself). If Taylor Swift was so shaken by touring with a broken heart or a fan's passing, she wouldn't have added an additional North American leg of Eras just two months after the Matty breakup. She's brokenhearted but willing to mend the cracks with your money and move onward with her worldwide female rage induced pillaging.
No matter what happens, even if you die at a Taylor Swift concert, Taylor collects a big fat check and flies away. She doesn't know you as anything other than a conversion rate or earning potential despite what her nearly 20-year long parasocial relationship with fans might otherwise indicate. She knows that, while some Swifties are without disposable income, they feel obligated to spend on a "48 Hours Only!" exclusive vinyl variant instead of necessities because they are so entrenched in Taylor Swift's intoxicating celebrity, they'll prioritize materialistic fandom before their needs. This is good enough for her because this means she can expand her real estate portfolio and finance her cat's lavish lifestyles. They're worth an estimated $100 million dollars. Her three cats could pool their net worth and solve world hunger.
While you and I might be denied bereavement leave and barely surviving the current political and economic climate, Taylor Swift has to, instead of gets to, perform for stadiums at full attendance for three nights in a row across the globe. You and I might be replaced by AI at our longtime jobs, but Taylor Swift is threatened with losing more and more money each time you listen to a "Stolen Version" of her songs. If we don't buy every variant of all of her albums, then who is going to pay for the fucking cats?
It is tone deaf to spend as she spends and lives as she lives in this economy, but this is her reality. She was able to donate $100,000 to all of her tour truck drivers, and that's wonderful, but it leads me to wonder about the ethos of the 2020s where one woman can hoard such life-changing amounts of money. Remember in 2014 when she gave a fan $90 ($120 in today's money) to get Chipotle because she had no fucking clue how much it cost? This is a 34-year-old woman who is increasingly out of touch with the reality for working class people and women in general. Normal everyday adults must wake up and go to their thankless jobs, and yet Taylor Swift, despite all her riches, incessantly references the lows of her life and career as a public figure and entertainer to farm sympathy and drive sales. And still, the corporate women have latched onto "I cry a lot, but I am so productive! It's an art!" as their cubicle battle cry.
Do you think that, from up in her private jet, Taylor Swift gazes at the world through her poetic, tortured eyes, and thinks, "All the little people, in their cars, walking, going about their lives...all those girls that don't support girls...do they know that I've made an album about female rage?"

Conclusion/TLDR

Thank you for reading. I would love to hear your critical insights towards this entire ordeal: TTPD, the trademark, the implications of it all.
TLDR: Taylor Swift is a bad feminist and is delusional to think that the TTPD eras set exemplifies female rage at women's injustice.

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This post has the potential to be a bit long, so please bear with me...
A question I often ask myself is "are there financial planners for people like me who don't have a ton of money and often barely make ends meet?" So now, I guess I'm asking this sub. I don't know where to turn at this point in my life, which has been riddled with terrible financial decisions, bad luck, and family health issues.
About me: 39, male, USA. I work full-time for a health care company in Pennsylvania, making right around $88K yearly before taxes and deductions. My wife is unable to work due to a variety of health issues (both mental and physical), but does have a small Etsy shop that brings in an average of $300 on a good month. We have an unusually large family by today's standards -- 7 children ranging from 6 years old (twins) to 17. This is the part where people usually look at me like I have three heads, understandably so. Before my wife's health issues, she was a paramedic and in nursing school. So the plan was to eventually have two incomes once the kids were a bit older, but life didn't turn out that way. And before anyone asks, yes, we are done with having kids. I love them all more than life itself and would never imagine a world without them, but I am smart enough now to know that it would not have been this hard with fewer kids.
It's been very hard (nay, impossible) to get by on one income and a large family, even with some help from relatives along the way. But through it all, we have barely made it work, although I have shot my credit to hell and back in the process. My score hovers around 550 to 570 most of the time, but plummets pretty fast if I miss a payment on something.
Right now, high interest debt is my main issue. I have a variety of low-limit credit cards all maxed out (probably $5k total) a personal loan from OneMain Financial ($400 payment), an auto loan from Carvana/BridgeCrest ($508 payment, worst mistake of my life honestly but was in a desperate situation at the time), and student loans I've had to either defer or flat out stop paying. Other high expenses are groceries, obviously, but I do get $600 in SNAP benefits each month, car insurance at $250 per month because my wife has gotten into a few accidents the last 5 years, and of course rent, which is $1,900 since we need a 5-bedroom house for our large family. We used to own our home but were forced to sell in 2022 due to a variety of issues and our dire need to find a larger place to live for our growing kids.
Suffice to say, most months we either barely make ends meet, or don't at all. I sometimes have to rely on cash advance apps like MoneyLion and Earnin just to make it to the next payday. I have pretty much nothing in savings except for a very small "retirement" account, which is in quotes because I contribute 1% to it just to get my company match. I drained it a few years ago during an emergency that is too long of a story to tell here.
Everyone that I have talked to has said the same essential thing -- to look for a higher-paying job. While this is true, it's more complicated than that in reality. My current job (which I have been at for 1.5 years) affords me the flexibility to work from home most days, and understands that I need to care for my wife (who has substantial mental health issues) and kids and not be "on" 100% of the time. That is often more valuable than a higher salary, but I do know that I am capable and skilled enough in my field to eventually take a shot at a higher paying job.
So. What the heck do I do? Is there someone I can talk to about all this, who can give me real, practical advice? Would a credit union be able to help me with my high-interest debt yet terrible credit score/profile? Ideally, I would love to be able to consolidate all my debt into something more manageable. Is that even a possibility with my credit being bad? I get mail offers all the time saying I am "pre-selected" or pre-approved for a consolidation loan from some random company. I think these are all debt relief companies or possibly a scam, right? I am also severely underwater with our current vehicle as mentioned above. I owe probably 8k more than what it's worth right now, and the van is pretty much a lemon with how many problems it has.
Thank you for reading all this. I am a fairly positive person (I have to be, with the kids and taking care of my wife) but this feels pretty hopeless to me right now. I just wish I could hand over everything to someone who can manage my finances for me, and do the heavy lifting to get things under control. Sigh.

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This post has the potential to be a bit long, so please bear with me...
A question I often ask myself is "are there financial planners for people like me who don't have a ton of money and often barely make ends meet?" So now, I guess I'm asking this sub. I don't know where to turn at this point in my life, which has been riddled with terrible financial decisions, bad luck, and family health issues.
About me: 39, male, USA. I work full-time for a health care company in Pennsylvania, making right around $88K yearly before taxes and deductions. My wife is unable to work due to a variety of health issues (both mental and physical), but does have a small Etsy shop that brings in an average of $300 on a good month. We have an unusually large family by today's standards -- 7 children ranging from 6 years old (twins) to 17. This is the part where people usually look at me like I have three heads, understandably so. Before my wife's health issues, she was a paramedic and in nursing school. So the plan was to eventually have two incomes once the kids were a bit older, but life didn't turn out that way. And before anyone asks, yes, we are done with having kids. I love them all more than life itself and would never imagine a world without them, but I am smart enough now to know that it would not have been this hard with fewer kids.
It's been very hard (nay, impossible) to get by on one income and a large family, even with some help from relatives along the way. But through it all, we have barely made it work, although I have shot my credit to hell and back in the process. My score hovers around 550 to 570 most of the time, but plummets pretty fast if I miss a payment on something.
Right now, high interest debt is my main issue. I have a variety of low-limit credit cards all maxed out (probably $5k total) a personal loan from OneMain Financial ($400 payment), an auto loan from Carvana/BridgeCrest ($508 payment, worst mistake of my life honestly but was in a desperate situation at the time), and student loans I've had to either defer or flat out stop paying. Other high expenses are groceries, obviously, but I do get $600 in SNAP benefits each month, car insurance at $250 per month because my wife has gotten into a few accidents the last 5 years, and of course rent, which is $1,900 since we need a 5-bedroom house for our large family. We used to own our home but were forced to sell in 2022 due to a variety of issues and our dire need to find a larger place to live for our growing kids.
Suffice to say, most months we either barely make ends meet, or don't at all. I sometimes have to rely on cash advance apps like MoneyLion and Earnin just to make it to the next payday. I have pretty much nothing in savings except for a very small "retirement" account, which is in quotes because I contribute 1% to it just to get my company match. I drained it a few years ago during an emergency that is too long of a story to tell here.
Everyone that I have talked to has said the same essential thing -- to look for a higher-paying job. While this is true, it's more complicated than that in reality. My current job (which I have been at for 1.5 years) affords me the flexibility to work from home most days, and understands that I need to care for my wife (who has substantial mental health issues) and kids and not be "on" 100% of the time. That is often more valuable than a higher salary, but I do know that I am capable and skilled enough in my field to eventually take a shot at a higher paying job.
So. What the heck do I do? Is there someone I can talk to about all this, who can give me real, practical advice? Would a credit union be able to help me with my high-interest debt yet terrible credit score/profile? Ideally, I would love to be able to consolidate all my debt into something more manageable. Is that even a possibility with my credit being bad? I get mail offers all the time saying I am "pre-selected" or pre-approved for a consolidation loan from some random company. I think these are all debt relief companies or possibly a scam, right? I am also severely underwater with our current vehicle as mentioned above. I owe probably 8k more than what it's worth right now, and the van is pretty much a lemon with how many problems it has.
Thank you for reading all this. I am a fairly positive person (I have to be, with the kids and taking care of my wife) but this feels pretty hopeless to me right now. I just wish I could hand over everything to someone who can manage my finances for me, and do the heavy lifting to get things under control. Sigh.

Howdy All,
Welcome back to u/LovettGamez! On today's episode we will be playing some Grand Theft Auto: San Andreas. Just an FYI this game has some adult language, humor, and some copy written music. Youtube may or may not cut some of the music. I hope you enjoy, please like/comment/subscribe! Have a great day! u/lovettgamez!
URL: https://youtu.be/jpjIyanhE-w

#Lovettgamez #GrandTheftAutoSanAndreas #GTASanAndreas #LetsPlay #Gameplay #Walkthrough #GTASeries #Open-worldGame #Action-Adventure #RockstarGames #CrimeGame #GTASanAndreasGameplay #GTASanAndreasWalkthrough #LosSantos #SanFierro #LasVenturas #GroveStreet #CJ #CarlJohnson #GTASanAndreasStory #Gangs #Missions #GTASanAndreasPC #GTASanAndreasBestMoments #GTASanAndreasFunnyMoments #GTASanAndreasEasterEggs #GTASanAndreasSecrets #GTASanAndreasRemastered #GTASanAndreasReview #GTASanAndreasletsplay #GTASanAndreasSpeedrun #GTASanAndreasTipsandTricks #BigSmoke #Ryder #Sweet

My boyfriend and I have been together for about 12years. We have an 11year daughter together. We spent a good amount of our relationship in Hawaii and have moved and been living in Washington for over a year. In Washington they have what is called a committed intimate relationship law. I stayed home with the her when she was young and did college online with my GI bill and then when she was in school I attended college in person, partly for the income that I spent in the household. Now that shes older I have gone back to work, working two part time jobs while he has followed a career path in govt and makes more than enough to cover costs and I pay him half my monthly income about $1000 and cover about $500 a month in groceries, leaving me with about $100 a month in free money after gas, insurance, and her allowance.
The issue why I'm considering court is that anytime we argue and it doesn't come to a conclusion at that time he gets upset and has tried taking away access to the vehicles, at points locked me out of our shared bedroom, and has locked me out of the house at times. (Funny side note is that I kicked him out of our shared bedroom for the first time recently after he said I couldn't use the car to get to work on the morning, and he called the cops on me for not being willing to immediately give him his stuff in the room. The cops had us exchange the necessities).
Maybe I'm the asshole but I'm tired of this treatment and I don't even know if I would have a case given most of our relationship was in another state.

A couple of years ago I tried writing my own version of Stones Abbigale. I never got past the first couple scenes, but I'm considering returning to it. I wanted to basically rewrite and change up a lot of things, mainly focusing on Abbi and Davis and changing some elements. Let me know what you think!

1
It's almost four in the morning and Seth is threatening suicide again. Good. Fuck him. I hope he does it. I don't text him that because I read about this girl who told her boyfriend to kill himself. The irony was that when he actually did it she got charged with second degree murder. My life is fucked as it is I don't need to make it worse. I’m shivering under my comforter because we’re halfway through November. I think about the turkey that won't get made this year and the family I won't see. I think that's swell. Seth is still texting.
Its like u dont even care after everything that happened and after everything we did together i saved ur life and i stayed with u when u cried and i hugged u and i did everything for u but that wasn't enough was it? i try so hard and all u ever are is a bitch to me that's not fair u want me to die and u hate me and u dont even care and im sick of it abbi why is is so hard for u to care about me?
I don't respond. I don't like how I feel about this. This should be easy. He won't actually do it. He won't. He’s too self involved to kill himself. I put my phone face down on my bed. The sheets shake around it as he sends message after message. I was sleeping on a ticking bomb so I got off of it. My feet stick to the floor, I struggle to step. I might as well have been standing barefoot on ice. I trudge to my window so I can see my street at night. Winter is really coming. You can't hear as many birds as you used to. They've all gone. They've all flown away. I can see three streetlights from where I’m standing. If you can from right to left you can see the concrete fracture into the sand. I open my window and brace for the chill. I stick my head outside. The ocean is not far away. I hear it hitting the shore over and over. Waves of water splashing incessantly, almost beating out my text notifications. The street lights flicker. I think of last summer. When Seth and I got really high after the news broke that my Mom was cheating on my Dad. I was making out with that bong. Emptying bowl after bowl, clanking the glass on the road to empty it out. Just thinking about it makes me feel the street pole against my back again. I was laughing and crying. Seth leaned in and hugged me. “I’m a sure thing,” he said. “I love you and I always will.” I caught my reflection in his sunglasses. I looked awful. I shiver at the memory. My phone is still buzzing. I try to catch my breath. I shut my window and start to walk back to my bed. A room always looks different in the dark. Maybe you think you know where you are, but there is always something that can jump out at you on the floor. Like a ghostly paper bag or a vengeful shoe. Objects that seem to move on their own with the sole drive of tripping you. I crawl back into bed. There's the phantom of Dad’s snoring . I know he's not sleeping in his room, he fell asleep on the couch after finishing his seventh fifth. Sometimes my brain fills in the gaps so I can hear it everywhere. Funnily, I haven't actually heard him snore since Mom left. That's the one thing I ever heard them fight about. Before she turned out to be a whore, I guess. BZZT.BZZT.BZZT. I can't bring myself to read any of his messages. They're coming so fast all the paragraphs are lost to motion blur. Seth’s arms wrap around me and I think about the beating of his heart and the warmth of his lips against my skin. I open up the texts, ready to respond.
I love you
I text this over and over until I fall asleep.
Davis was the only senior on the bus. Somehow, everyone else had a car or a ride. It’s all right, though. James would probably give him one if he had a car, but he skated to school every morning. That's why he barely ever rode the bus with him. The bus thumped along the under paved roads. Davis forgot his earbuds at home, so the only music that accompanied him was his racing thoughts. Two sophomore girls popped their heads over. “Ohmigod, Davis!” One of them shrieked.. “As I live and breathe,” he smiled. “Nice,” she said. “I’m so excited to see your finished painting.” Davis took the lower level art class for a requirement. Like most things, he's not taking it very seriously. For their pop art unit, he's painting a portrait of the art teacher with a warthog face. It's one of his funny disruptions. He knows Mrs. Stanley is going to have a real field day with it, but it doesn't matter. Artistic liberties, he’d profess. “She's such a bitch, isn't she?” The sophomore girl turns to her compatriot, who only nods in response. “She's just jealous,” Davis says. “It must be depressing to teach art and see the youth soar above her.” “For sure,” the girl doesn't get it. Class clown is a semi-heavy burden. Davis doesn't really feel like talking to these girls, but his position demands it. Comedy informs everything about him. To the giant thrift store jeans, to the loud Hawaiian shirt. He and James are the ultimate combination, at least he likes to think so. Quiet brooding begs for bright distraction. The girl is still trying to talk to him and Davis is saying his preprogrammed lines. The bus stops in front of James’s street. Surprisingly, James is standing there. “Like I’m this close to just filling my hydroflask with vodka, yaknow?” says the chick. Maybe she's just trying to get a rise out of him. “Better be prepared to give me more than a sip,” Davis is watching James grumble towards the bus. The sun is beating down on the forming ice puddles. James stomps through them with small shattering steps. James turns up the bus aisle and plops in the seat next to Davis. Davis’s smile is genuine now, but he fights it from getting too wide. “Crash your vehicle?” Davis asks. “Something like it,” there's something off with him. Davis doesn't want to push it. “Well damn, hope insurance covers it,” Davis wants James to break and laugh. Is it just another mood or did something actually happen this time? “It won't, I got bad credit,” James grins and it's like heaven. “What's the move for you today?” “Surviving art and physics for me,” says Davis. “Those bastards love to keep me down.” “Who doesn't,” James eyes the girls who have since returned to whatever they were doing before. It's the judgement stare, as Davis calls it. James likes to observe his peers like a zoo-goer. Breaking them down to taxonomic types. Davis likes to think that James doesn't do this to him, but he knows he probably does. “It sucks you decided to be bad at school and take baby art,” James is still dissecting the sophomore girls down to their tropes. “We could have done Art II together.” “I wouldn't want to get between you and Alex. I know how you love it when people piss in jars next to you.” “That's disgusting,” James breaks his glare at the girls. “It's performance art, it's beautiful,” Davis gets up out of his seat to yell. “Everyone witness the wonderful work of Alex Madov! Disengage yourself from the shackles of capitalism by shouting with me: Poopy, pee pee, poop!” Davis gets a few chuckles from the other kids on the bus. “Sit down, fatso,” mumbles the bus driver. “I will not be silenced! I’m a messenger of the good word, sir!” “More of this shit and I’m skipping your stop!” “Fine, but I will make Alex remember on the day of judgement,” Davis sits back down. James is full belly laughing. “You're so retarded,” James wheezes. Davis can't even come back with a response. He's high off of it.
The bus pulls into the school lot with a short stop. The mobs get up and begin to race out. Davis follows James down the line. “You know Abbi?” James asks. Davis feels a little pit form in his stomach, but he doesn't change his expression. “Vaguely, what about her?” “She's in my art class,” James begins. “And I think … well you know, I’m going to talk to her.” He walks down the steps and out the door. “Doesn't she have a boyfr-” before Davis can descend the driver's arm blocks him. “I’ve had enough of your shit, kid,” he says. “If you keep being obnoxious, I’m gonna find a way to make you pay for it.” James looks back, but he can't stay. Davis knows that he's gotta get to class. James does a little wave goodbye and Davis salutes him. “Are you even listening to me?” the bus driver seethes. “Yes, sir. Divine retribution, got it.” Davis ducks underneath his arm and exits the bus. James has already disappeared into the crowd.
I pass the bong to Ashley. She starts another bowl. She’s the transport and I provide the material. The little things that keep our friendship afloat. I look at the clock in her car. “It's 8:45,” I pick a piece of bagel out of my teeth. “So that's it, we officially missed first period,” Ashley tops it off. “They won't mark us, you know. It's a study.” “Yeah, but when's the last time we signed in? I heard they're changing the policy again. Do you still have the lighter?” I toss it to her. I don't get it. It's always her idea to pick me up so we can smoke before school, why now is she suddenly caring about attendance? “We're pretty girls, we can get out of it. I’m next,” I tap on the clock. “Are you sure it's not fast?” She shakes her head as she takes a snap. We're parked in the pond area a block or two from the school. It's our designated smoking spot. I like it, even at the end of fall it's pretty. I’m so engrossed that I don't realize her tip out the bowl and put it back in the cup holder. “I don't know if it's wise to keep up the activity, we should probably get going soon,” she starts up her car again. “Okay,” I say. She reverses and swings out of the lot. We lean into the silence and it's super weird. “Seth texted me last night,” I wait for her reaction. “Oh,” she grimaces. “What did you say?” “That I loved him.” Silence again. Ashley's trying to put together something well-meaning while understanding that I’ll probably ignore whatever she has to say. “Abbi, I’m not trying to tell you how to run your life, but …” Her expression is now quizzical. She's said what she is about to say a number of different ways all ready. She thinks and thinks and decides to say nothing. Good call, I would have screamed at her. Not because what she thinks about my situation isn't true, I’m just in a ‘screaming at people mood’ because of it. “I’m going to dye my hair again,” she changes the subject to avoid conflict. Classic Ash. “Oh yeah? What color this time?” “I don't know,” she checks her reflection in the rear view. “The red has faded out, maybe blue or pink this time.” “You should go with a softer pink,” I say. “Since you're a soft spring.” “Yeah, maybe.” We enter the school lot. “Listen, do you want to get together when I do it? Maybe you can dye your hair too.” “I don't know, I might be busy,” I say. “Seth might want to do something,” I pause for her to protest. “Okay,” she says. She parks and we get out.
I barrel into art class. I don't care if I reek, out of all the teachers I can tell Mrs. Stanley smokes the most. It would be hypocritical of her to care. It looks like I’m the first one. Weird. I check my phone. It's 8:45. Well, fuck. Looks like Ashley needs to fix her clock. Mrs. Stanley is at her desk. She looks at me knowingly. “Eager to create today, Abbi?” I just nod and sit at my desk. I’m really feeling it. I open up my precalc notebook and just start sketching. Birds, eyes, trees, whatever. Kids start coming in. Their chatter echoes around me, I try to focus on what I’m doing. Someone bumps into my table. I look up. It's this lanky blonde kid, I think his name is James. He presses his hands underneath the desk as he leans up to talk to me. “Eww!” He shouts. Some kids turn and laugh. I don't. I just stare at him. James goes red and sits next to the kid who pissed in a jar. Once an adequate amount of students are in the room, Mrs. Stanley starts her lesson slideshow. On the screen is a dirty urinal. “How many of you are familiar with this work by Marcel DuChamp?” she asks. At this point, Jason, the designated meathead jock, enters the room. “Sorry I’m late, Mrs. S,” he booms. He looks at the slide. “We building bathrooms today?” Mrs. Stanley glares at him. “Wouldn't you like that? Considering you spend all of your time in there.” “Whatever,” Jason brushes his mullet behind his ears. “No, not whatever. Would you like me to move you into the sophomore class with Davis? Believe it or not he's getting much better marks than you are getting in here.” Jason rolls his eyes and takes his place in the chair next to me. “Up to a little extra curricular activities before art, Abbi?” he motions a joint in his fingers. I scoff and go on my phone. There's another text from Seth.
sorry about last night
and
im reading it all right now that was fucked im sorry
I start to respond, but before I can Mrs. Stanley outstretches her hand. “Give me your phone, Miss Hagerty. I’m sick of giving you warnings.” I don't have the energy to fight, I just give it to her. “You can pick it up at the end of the day.” My jaw actually drops. Jason must have really set her off, she's not usually such a cunt to me. “Anyways, found art. What is it? Well, found art is the use of everyday objects to convey an altered meaning. It can be something you find on the street or something that once held value to you. For example, My Bed by Tracey Elim.” She pulls up a picture of a messy bed that looks suspiciously like my own. “So for your final unit of the semester, you will be making your own found art. I really want you to take this project a little more seriously than most of you have been taking this class. I’m giving you the privilege of picking your own partners, but I’d like to remind you to be thoughtful with your choice. This will be worth more for your grade.” I look around. I don't have any friends here. I toy around with the idea of asking Jason for convenience and he looks like he's about to pull that move. Behind me there's that James guy. He’s sheepishly looking at me. He seems kind of nice. Okay. I don't feel like getting up so I just turn around in my chair. “Hey James, wanna be partners?” He balks a bit and then smiles at me. “Yeah, totally,” He's beaming and it's somewhat endearing. Alex and I switch seats and now I’m next to him. “I’m gonna be real with you …” I begin. He stops and shifts a little. “I have no idea what we're supposed to be doing for this.” He regards me oddly. Like he's trying to piece me together. It doesn't bother me. “She said we have to bring in an object that's special to us and present it artistically basically,” he rubs his chin. Damn, I must be baked to hell. I didn't hear her saying that at all. “So got any stuffed animals we can cut up and make Lovecraftian monstrosities out of?” “I got a hamster cage, hold the hamster,” I say. It comes out kind of weird and I probably sound stupid, but he doesn't seem to care. “Let's make a fucking zoo.” “Perfect!” He’s kind of cute actually. In a way. Something about this feels fun. I realize the bell will ring soon. “So um,” I rip out a page of my precalc notebook, still fresh with my drawings. I scrawl out my number and push it to him. “Call me so we can figure out the project some more.” I pack up all my stuff and start to head out. I can feel him watching me and it's not that bad. “I sure will,” he says. Everything feels really groovy. There's a lightness now. I’m halfway out the door when I remember my phone. I can't believe that I just forgot about Seth. I think about begging for my phone, but I feel too above that. Still, something shakes the good feeling as the bell rings.

I have an amazing job opportunity but I have to get licensed to sell auto insurance. Is it a requirement to have a GED or diploma to take the licensing exam?

Friday night i accidentally let me insurance lapse trying to pay it at the last minute, to re instate the policy the next day i had to change coverage from a 1k deductible to 2500 just to get insured as i didnt have enough $$$ to re instate my lapsed policy.
Monday morning i purchased new insurance with adequate or better coverage active starting today, my question is how much did i screw myself?
Will my auto finance company cole repossess my car for having inadequate insurance for such a short time? I live im Colorado and the law doesnt seem to be as bad as california or other states regarding the finance companies right to do so.
Will the dmv be sending me a ticket in the mail for not having insurance for a day?

We tried to switch our home owners insurance and auto to USAA.
They canceled our home insurance because the age of our roof without telling us and took money out of our escrow for the auto insurance.
We were calling today to try to figure out how to pay it since they left no mail on how to sign in and pay.
So we canceled them, kept our old insurance companies. they are now sending us our money back for us to put back into escrow.
Funny thing is we are getting the roof this year, we agreed it was time and shopping companies to do the job. They could of asked and said you are free to switch with us after that.

I’m sorry for posting about a commonly asked question; yes I have seen it posted but can’t find any examples of when people don’t have whole market funds.
I have seen a lot of posts and articles on rebalancing every 3 months to 2 years. If my 401k is split into many funds (large cap blend, mid cap value, mid cap growth, small cap blend, foreign value, foreign growth) since I don’t have any passive total market funds with low fees, does this change how often I should auto rebalance?
My auto rebalancing options are every 3, 6, & 12 months. I would like to set it and forget it for my 401k other than updating the split of my investments every december to continue emulating VT.
All funds I have selected are admiral funds except for one which is a regular vanguard mutual fund (VGIAX, VMVAX, VMGMX, VSMAX, VTRIX, VWILX). I chose these funds because while the ER are slightly higher than my insurance providers funds, they do NOT have a load fee like the insurance providers personal funds do (slightly higher ER being 0.02%-0.05%).

Howdy All,
Welcome back to u/LovettGamez! On today's episode we will be playing some Grand Theft Auto: San Andreas. Just an FYI this game has some adult language, humor, and some copy written music. YouTube may or may not cut some of the music. I hope you enjoy, please like/comment/subscribe! Have a great day! u/lovettgamez!
URL: https://youtu.be/bQR4mMNRW3U

#Lovettgamez #GrandTheftAutoSanAndreas #GTASanAndreas #LetsPlay #Gameplay #Walkthrough #GTASeries #Open-worldGame #Action-Adventure #RockstarGames #CrimeGame #GTASanAndreasGameplay #GTASanAndreasWalkthrough #LosSantos #SanFierro #LasVenturas #GroveStreet #CJ #CarlJohnson #GTASanAndreasStory #Gangs #Missions #GTASanAndreasPC #GTASanAndreasBestMoments #GTASanAndreasFunnyMoments #GTASanAndreasEasterEggs #GTASanAndreasSecrets #GTASanAndreasRemastered #GTASanAndreasReview #GTASanAndreasletsplay #GTASanAndreasSpeedrun #GTASanAndreasTipsandTricks #BigSmoke #Ryder #Sweet