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December 25th, 2005


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06:58 am - things i have learned recently about car insurance
*people with better credit scores "are significantly less likely to be involved in auto accidents"
*my car insurance does not cover damage caused by nuclear material, but it does cover non-nuclear missile damage
*i have to pay a higher deductible if i am struck by "a phantom vehicle"

also, one of the things they listed as hurting my credit score was having "2 accounts with satisfactory payment status". i'm missing the part where that's a bad thing
np: limblifter - ariel vs lotus
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(13 shots upside the head | en garde!)

Comments:


From:haveaball
Date:December 25th, 2005 05:06 pm (UTC)
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i looked up "phantom vehicle" out of curiosity.

This occurs when an individual uses phony ownership documents to secure insurance on a vehicle. The insured will then report the vehicle stolen and try to collect the insurance money. Often antique or luxury vehicles will be used, since the more valuable the car, the larger the insurance claim settlement.


not nearly as exciting as it should be.
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From:kingnixon
Date:December 26th, 2005 01:36 am (UTC)
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you're right, that is disapointing. but now i can go ghostchasing, since i know it won't hurt my deductibles
From:haveaball
Date:December 29th, 2005 10:34 pm (UTC)
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i don't ever see you ghostchasing.
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From:kingnixon
Date:December 30th, 2005 08:32 pm (UTC)
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actually i'm planning to, when next i am in new hampshire. my friend's mom in franconia runs a business tending rich people's properties while they're away being rich. there's a room in one house that she swears up and down is haunted. i want to spend a night there to see what happens.
From:haveaball
Date:December 31st, 2005 12:11 am (UTC)
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but what if nothing happens? you'll be super disappointed. WHY DO THAT TO YOURSELF?? WHY???
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From:kingnixon
Date:December 31st, 2005 03:22 am (UTC)
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to win the respect of my peers? i don't know. her whole family claims that place is creepy, and they are solid people, so i'm intrigued.
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From:xpuella8x
Date:December 25th, 2005 05:19 pm (UTC)
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so i should just keep defaulting on my credit card and max it out?
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From:kingnixon
Date:December 26th, 2005 12:55 am (UTC)
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if you want progressive to like you, evidently
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From:xpuella8x
Date:December 27th, 2005 05:28 pm (UTC)
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i just can't make payments late. for instance, i mailed out my car payment for january this morning. it is due january 17, 2006. when i remember to make a payment i want to do it right that second and not have to worry about it for a while because i am prone to forgetting these things and then owing stupid late charges. i think the library has made a good $20 at least on me in the last year or so.

in other news, i want to buy a laptop. my roommate gets some weird crazy discount from dell, so i shall buy one from them, but i don't know what any of that stupid computer jargon really means. help me? if anyone is good with research it is you daniel widrew.
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From:kingnixon
Date:December 28th, 2005 12:03 am (UTC)
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i'm right with you on forgetting things, as you well know. that's why i like paying stuff online - i set my little outlook reminder thingys, and when they pop up i go to the site and click the button and badabing it's all set. sure, i'll help. what would you like to know? i've got a latitude and it seems to be treating me well. it's one of their 'business' laptops, so costs more but works better, which is good since i'm a nerd and use it constantly. if you're not planning to be on so much it probably wouldn't make a difference
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From:kingnixon
Date:December 28th, 2005 12:04 am (UTC)
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hey, it stole my paragraphs! stupid livejournal
From:sillypoot
Date:December 26th, 2005 04:02 am (UTC)
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it's actually better for your credit score to pay a couple of payments late a year, beacuse that way they make a little more money off of you. If it's only a couple of weeks to a month late, they make a little more interest and charge you late fees, but since it only happens once in awhile, it doesn't actually hurt your credit.
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From:kingnixon
Date:December 26th, 2005 09:37 am (UTC)
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fair enough. i'm surprised they admit to it though. that'd be like getting a tax discount if you get a lot of speeding tickets

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