This might be of interest to NYC and Nassau co guys:
I purchased a new car 2 years ago, drove it right out of the show room. Then I tried to insure it under my name. The insurance back then was like 9,000. per year. Well the first year I had the car I had 3 back to back accidents and I freely admit to having a lead foot and a slew of tickets back from my youth when I was a bit of a hell raiser and just didn't care. (but none of them were my fault I SWEAR!, well not all of them lol) Well next thing I know my car insurance is like 10-12 K per year, like 800 per month. So I decided to take the car off the road and park it in my driveway with no plates at least until I don't need full coverage (I financed the car and still owe half) or I make that move to Fla where insurance is cheap. In the mean time I cut back on my availability because I didn't have that big payment any longer plus I don't do public transportation (don't know how, don't want to know how either!) and I used my friends car for local stuff around Brooklyn.
Well I've decided that I'm tired of borrowing my friends car for local stuff, taking cabs, and paying drivers to drive me to my calls, especially when I have a 2 year old car in my driveway with 1200 miles on it!. If I have someone in LI or NYC or elsewhere that wants to see me I needed to put a minimum of several hours just because the carfare alone costs me like $100!
So bottom line guys, I insured my car yesterday (except NOW it's 14,000 per year , yup you read that right!) and am getting my plates today (I rented a car for the week) and by Monday I'll be fully mobile in my own car and in the meantime I have a rental and I'll be able to entertain 60-90 min plus appointments in NYC, Nassau and elsewhere. (monthly Suffolk co trips still stay the same) Plus I might decide to do a trip to NYC after my Suffolk trip next week. (Hey I got to pay this premium somehow right? lol)
I've discussed this with several of you pm and I promised I'd make a post when I'm able to start doing visits in NYC that don't have to be several hours. Well the time is now, my NYC horny men! As far as Nassau Co guys, the same holds true for you. Rather than doing a trip to Nassau, like I do in suffolk I think I'll just start accepting 60-90 min (minimum) outcall (your home, hotel, or office) appointments. My donation for those not on my mailing list is $$$ p/h, those on my list it's $$$ 90 mins.
I plan on having my webguy adjust some things such as my minimum time required to travel to NYC and LI. My Suffolk monthly incall trips stay the same. But hey you guys heard it here first and I'd be happy to make visits to anyone in NYC, or Nassau.
I'm too much of an independent person (not just an indie in my business life lol!) to depend on others. I always said if you want something done right you have to do it yourself. I guess thats why I went from a Madam to an indie, I got tired of girls not doing it right lol. What bugs me is that the monthly payment is more than my house rental, not to mention almost twice what my morgage will be when I move to Fla. But hey a gals gotta do what a gals gotta do! Plus when I do move it will be as if I have a clean driving slate, or so the insurance broker told me!
Thing is when I first got the car I had a gentlemen that I saw weekly and we had gotten very close. He offered to co-sign for the car with me, but I told the dealership to try my name only first and I got approved on my own. If I was less of a person I'd had just let them put him as a co-signer but thats not my stillo. Funny thing is ever since I told him I didn't need him as a co-signer he stopped calling me! I thought he'd be happy and it would show him that its not all about the benjamins, who knows maybe I insulted him by turning down his generosity. Hey if that was the case I'd be driving a spyder (love those cars!) instead of a Honda with a 5 speed on the floor! I know he used to peruse these boards every now and then and if he happens to read this I'd love to hear from him again just to see how life is treating him these days!
Vanessa: When I made this post I had a vision of you driving with me with your eyes closed lol
People used to say driving with me was like being in a video game with lights shooting past you at great speed lol.
You and everyone in NY will be happy to know that I have toned down my driving dramatically! I even wear my seatbelt and insist that my passsengers do. On a serious not, I'm very fortunate I never hurt myself or anyone else or this would not be funny by far. The only thing I ever damaged was my own car and boy did I get that insurance money back in the long run! lol
Bob I have a regular little 2 door honda celica 2002. Thing that cause me problems was back in my "I don't give a "f" youth" I got many tickets and never paid them and then when my licence was suspended I didn't do nothing about it. So 5 years ago when I wanted to get myself totally legit , and had also matured enough to know that this could and will affect me for the rest of my life I paid all the tickets in full, 11 years later mind you.
Problem is the points go on when you pay the fine. So since I just paid them like 5-6 years ago it still looks like it was pretty recent. Also because I let my licence expire for such a long time (once upon a time I was a very irresponsible little girl, now I'm just the opposite!) It appears to them as if I'm a brand new driver, an assigned risk or something. Put all this stuff together and you got me paying 1400 per month for my car insurance. I use examples like this when I try and teach my child that everything you do in life has consequences!
Even with the excess money this is going to cost me ($2000 down payment yesterday alone! lol)
At first I thought taxis would be cheaper , but not when I'm being asked to come into NYC or Long Island a few times a week. Plus I admit it I'm a bit of a promadonna (w/o the attitude though!) and I prefer to just drive my own darn car!
When I lived in the city I couldn't wait to sell my car. I hated the traffic, the insane insurance and not mention the outrageous garage fee but again what I hated most was the traffic.
Two hours to go anywhere..........EEERRRRRRR
AH Long Island........rent free garage, a bit lower insurance and I can jump in my car and drive it instead of waiting and waiting and waiting to get to the next light........
Make sure to have your insurance bid on... here, that would not be your rate unless you had a DWI. It is amazing the different rates you will see when you shop around.
Your public transit there is wonderful, so perhaps if the insurance payments overwhelm you you might reconsider... In Seattle, ours is a money-pit and a joke.
me and Vanessa? We are the buddies of the buddiest kind lol Especially when I did her with my 10 inch strap on! She followed me around with a matress on her back for a whole week after that! Had to finally let her down easy! (I am of course kidding about the matress part, but not about the 10 " dildoe part! Not by a long shot! Vanessa and I have had the pleasure of doing doubles together, we also went to a Yankee game and had half the stadium watching us instead of the ball game, maybe it had something to do with us tounge kissing so much. Can't help it, I love shock value! Tee Hee HE
Santino my son wont even let me drive, he makes me get in the passenger seat and with him I drive like an old lady, that is my baby we're talking about! I had to teach him how to drive a stick shift and everything!
After paying those 11 year old tickets I did get a few more speeders the last one was last month when I picked my boy up from college for summer break. Funny thing was I recieved so much mail from lawyers offering to help get me out of the ticket!
Thing is and if anyone knows for certain please tell me. I was told that whne you plead guilty to a ticket, lets say you owe $50 and you send $55. They send you a refund check of $5, what I was told is that as long as you dont cash that $5 check they can't put the point on your licence until the payment and refund are complete. Is this tru? I just started trying recently so I'm not sure if I'm avoiding points or wasting money.
I usually only send out e-mail 2x a month along wit an attachement of a pic or two, although I might just send the links instead because I had problems last time. These pics will be untouched and updated along with face pics and photos that would never be on my site (sorry no nudes) Plus you guys get anywhere from $50-$100 in discounts. Something to think about huh?Also, No one ever sees who else is on the list. Discretion is my main concern although I might consider a yahoo group or something like that if I had enough interest. MUAH Sam
Oh well, I tried! I've heard it from alot of different people who I guess also have a few points on their license they might not know about lol
I actually have a broker that checks all the different companies. I pay one company that charges the least for comp and then another that charges the least for liability. If I used the same co for both it would even be higher, thats why they get the plates and do all the checking around for me, they get a brokers fee.
If I had a dwi like sola mentioned in her state the way it worked I might understand this, but the reasons they gave me were: *my tickets (speeders over 20) *just paying a slew of tickets like 5 years ago, although I'd hoped they be off by now, but I did add a few in the last 5, difference is I pay them immeditely now. *They have me down as a new driver, as if my teenager just insured his car under his name the day after he got his licence.
Put it all together and you got me paying out the kazoo so I can come visit the boys in the city and surrounding areas. See what I do for you guys? lol xoxox
Sam... please take the safe drivers course. It should he;p you considerably for 3 years (reduce point)... you can take the course at your local library or AAA.
Sad thing is I just took it when I reapplied for my licence a few years ago. Wonder how often they let you take itlol Actually they forgot to add my low jack and when I get the photo inspection and they verify it hey will adjust it , bit i'm pretty sure it won't be all that much at all. At this degree every little bit helps! lol What am I going to do? I'd rather laugh about it than cry about it right?
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