Is it OK to ask if a new job offer will provide meical insurance earlier than the stated 3 months?

Q. I was offered a job but they will provide me with health insurance after 3 months they said. Health insurance is very important to me and I need it ASAP. Can I ask them if they are willing to offer it to me a little sooner,.. say after 1 or 2 months?
What are the chances that they will agree to that? Can they?

A. You can ask for anything you want. However, I can't imagine they'll give it to you. If they do, and other people find out, they'll have to make exceptions for everyone. The only time I've ever seen an employer give insurance sooner than the standard wait time is when one of our new employees had a heart attack at work. The CFO was immediately on the phone with the insurance company turning the employee's benefits on.

Original Question

Does anyone know how soon after you purchase mobile phone insurance can you make a claim?

Q. Four years ago, i got a contract phone from the Car-phone Warehouse, the provider was t-mobile and on the same day I took out an insurance policy. Every year afterwards I got an upgrade, I never cancelled my policy and the direct debits continued to come out every month from my account. On the 18th November 2006 my upgrade was a sony K800i, last week i dropped my phone and broke the 'inner' screen, i immediately phoned the Carphone Warehouse (whom I have paid a substantial amount of money to over the last few years) to find out if they would fix it, and they informed me that as I had upgraded with t-mobile i was not covered (and hadn't been covered for 3 years). The money I have therefore paid was for absolutely no reason! I now would like to insurance my phone with a decent insurance company, any suggestions??? How soon after i insure can I ask them to fix my phone??? Any replies would be greatly appreciated.

A. as soon as you activate your phone

Original Question

What is the most recomended cell phone provider?

Q. ok here my deal, i live in New jersey. the 3 services im debating upon is VERIZON CINGULAR AND T-MOBILE. there are gonna be 5 lines, we all text alot so unlimited texting or something close, all five phones need insurance and IT HAS TO HAVE A GOOD SERVICE AREA. any suggestions

A. I have Verizon and I love it. My boss has Cingular and my girlfriend has Tmobile. Both of them hate their providers.

Original Question

Can you check to see if this list is straight as for most important to least for bill payments?

Q. 1. House + Lot Rent (single-wide on a lot)
2. Car + Car Insurance
3. Credit Card bill
-------------------------------------------------------
4. Luxury expenses (Cell phone, landline/internet, and satellite)

Is this the right idea to go by?

A. Don't forget your utilities (electricity, gas, etc.) for the house.

Original Question

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How much should I contribute to my Simple IRA if I make approximately 40k per year?

Q. I am 25 and don't have any debt. The only bills I have are my phone, insurance and rent which is very low. I want to know how much I Should contribute and why. My husband and I are planning on having children in 2 years. I want to know how much I should contribute and why? How does it affect my income tax if say I contribute 10%.

Thanks!!!!
no one is helping

A. Minimum 15% You will need 3 million in 40 yrs to retire comfortably You do not do this till you have 12 months living expenses in your emergency savings account

Original Question

I found a cell phone that I had claimed as lost, can I activate it or sale it to someone else?

Q. I filed a claim with my carriers Insurance over 3 months ago, and they send me a new cell phone. But after doing some digging in some boxes I found the phone. It looks like it still works, and I wanted to activate it with another number, or sale it to someone else. Can I do that without getting in trouble?

A. I found a Cadillac like that one time, I got 3-5 years.

Original Question

Can I get a different phone or do I have to get the same? ?

Q. I have had the Lg Vu for 3 months and the touch screen is not responding. Im pretty sure its broken, but im taking it to the store just to see. I have phone insurance. Does this mean I will get a new lg vu or can I pick out a diffrent one?

A. You'll get a refurbished LG Vu no you don't get to pick a different phone.

Original Question

What are the major differences from the enV2 and enV3?

Q. My enV2 fell into the water and i put it in rice and everything but i can tell it wont last long.. So should i get another enV2 or and enV3 and what are the differences? Also for phone insurance if you have it and your phone breaks then do they give you the same phone again or do they give you a phone thats not as good?

A. well i have this phone and i love it!
okay well some differences are:
*with this phone you dont have to buy ring tones you can put them on there with your computer

*the phones camera has flash and it takes REALLY good pics with its 3.0 meg pix camera:)

*its really cute and small

*putting music on this phone is pretty easy

*o did i mention you dont have to buy ringtones?:) lol

and thats about all i can think of lol sorry
but you really should get this phones its really awesome!! and im giving you an honest review:)

as far as insurance though i think you just have one year like all the other ones, you can take it back it just has to be broken with something that you didn't do to it. i think a years plenty enough time though!

Original Question

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Does anyone know how soon after you purchase mobile phone insurance can you make a claim?

Q. Four years ago, i got a contract phone from the Car-phone Warehouse, the provider was t-mobile and on the same day I took out an insurance policy. Every year afterwards I got an upgrade, I never cancelled my policy and the direct debits continued to come out every month from my account. On the 18th November 2006 my upgrade was a sony K800i, last week i dropped my phone and broke the 'inner' screen, i immediately phoned the Carphone Warehouse (whom I have paid a substantial amount of money to over the last few years) to find out if they would fix it, and they informed me that as I had upgraded with t-mobile i was not covered (and hadn't been covered for 3 years). The money I have therefore paid was for absolutely no reason! I now would like to insurance my phone with a decent insurance company, any suggestions??? How soon after i insure can I ask them to fix my phone??? Any replies would be greatly appreciated.

A. as soon as you activate your phone

Original Question

What is the most recomended cell phone provider?

Q. ok here my deal, i live in New jersey. the 3 services im debating upon is VERIZON CINGULAR AND T-MOBILE. there are gonna be 5 lines, we all text alot so unlimited texting or something close, all five phones need insurance and IT HAS TO HAVE A GOOD SERVICE AREA. any suggestions

A. I have Verizon and I love it. My boss has Cingular and my girlfriend has Tmobile. Both of them hate their providers.

Original Question

Can you check to see if this list is straight as for most important to least for bill payments?

Q. 1. House + Lot Rent (single-wide on a lot)
2. Car + Car Insurance
3. Credit Card bill
-------------------------------------------------------
4. Luxury expenses (Cell phone, landline/internet, and satellite)

Is this the right idea to go by?

A. Don't forget your utilities (electricity, gas, etc.) for the house.

Original Question

What should I tell my cell phone company to convince them....?

Q. I broke my cell phone 3 weeks ago and gave it to the cingular store to repair. Its now been 3 weeks and they don't call or do anything about the phone. I've called them a few times and they say they'll call back in 2days or whatever and its now been exactly 3 weeks . What should I tell them so I could convince them to give me a new free phone?

A. Go into the store and talk to them. I worked for Cingular, and I know the store reps wont really care about your problem, unless your buying something, b/c then they make commission. If you have insurance on the phone, call the insurance company and just say the phone was lost and get a new one. I know Cingular's insurance company will inspect the phone if you file a claim saying its broken and sometimes they wont cover it, so just say it was lost. If you dont have insurance, get our phone back from the store, and if your phone can still receive calls, call Cingular to add insurance (you want to make sure you can receive calls b/c Cingular will place a call to your phone making sure you have it and that its working) and if they as you if your phone is damaged, just say now. If your phone cant receive calls, then find a friend of yours who had Cingular, take your SIM card and put it in their phone, so that way when Cingular calls you to see if the phones working, it will ring on that phone. Sorry this is a lot of info, i just know how they work, and they way to get around them.

Original Question

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I found a cell phone that I had claimed as lost, can I activate it or sale it to someone else?

Q. I filed a claim with my carriers Insurance over 3 months ago, and they send me a new cell phone. But after doing some digging in some boxes I found the phone. It looks like it still works, and I wanted to activate it with another number, or sale it to someone else. Can I do that without getting in trouble?

A. I found a Cadillac like that one time, I got 3-5 years.

Original Question

Can I get a different phone or do I have to get the same? ?

Q. I have had the Lg Vu for 3 months and the touch screen is not responding. Im pretty sure its broken, but im taking it to the store just to see. I have phone insurance. Does this mean I will get a new lg vu or can I pick out a diffrent one?

A. You'll get a refurbished LG Vu no you don't get to pick a different phone.

Original Question

What are the major differences from the enV2 and enV3?

Q. My enV2 fell into the water and i put it in rice and everything but i can tell it wont last long.. So should i get another enV2 or and enV3 and what are the differences? Also for phone insurance if you have it and your phone breaks then do they give you the same phone again or do they give you a phone thats not as good?

A. well i have this phone and i love it!
okay well some differences are:
*with this phone you dont have to buy ring tones you can put them on there with your computer

*the phones camera has flash and it takes REALLY good pics with its 3.0 meg pix camera:)

*its really cute and small

*putting music on this phone is pretty easy

*o did i mention you dont have to buy ringtones?:) lol

and thats about all i can think of lol sorry
but you really should get this phones its really awesome!! and im giving you an honest review:)

as far as insurance though i think you just have one year like all the other ones, you can take it back it just has to be broken with something that you didn't do to it. i think a years plenty enough time though!

Original Question

How much will 3 points on my driving license affect my insurance Premium?

Q. I am a new driver and after being passed my test for just over month i received 3 points on my driving license for excess speeding. I know that my insurance when renewed was going to cost around 1500, i haven't yet phoned my insurance company and am just wondering how 3 points will affect this when it comes to renewal in just over a weeks time? Thanks
I forgot to add that im nearly 18 so am probably the highest insurance

A. It depends. If you're a teen, you can expect it to pretty much double. If you're over 25, it might go up a couple hundred.

Original Question

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Is it OK to ask if a new job offer will provide meical insurance earlier than the stated 3 months?

Q. I was offered a job but they will provide me with health insurance after 3 months they said. Health insurance is very important to me and I need it ASAP. Can I ask them if they are willing to offer it to me a little sooner,.. say after 1 or 2 months?
What are the chances that they will agree to that? Can they?

A. You can ask for anything you want. However, I can't imagine they'll give it to you. If they do, and other people find out, they'll have to make exceptions for everyone. The only time I've ever seen an employer give insurance sooner than the standard wait time is when one of our new employees had a heart attack at work. The CFO was immediately on the phone with the insurance company turning the employee's benefits on.

Original Question

Does anyone know how soon after you purchase mobile phone insurance can you make a claim?

Q. Four years ago, i got a contract phone from the Car-phone Warehouse, the provider was t-mobile and on the same day I took out an insurance policy. Every year afterwards I got an upgrade, I never cancelled my policy and the direct debits continued to come out every month from my account. On the 18th November 2006 my upgrade was a sony K800i, last week i dropped my phone and broke the 'inner' screen, i immediately phoned the Carphone Warehouse (whom I have paid a substantial amount of money to over the last few years) to find out if they would fix it, and they informed me that as I had upgraded with t-mobile i was not covered (and hadn't been covered for 3 years). The money I have therefore paid was for absolutely no reason! I now would like to insurance my phone with a decent insurance company, any suggestions??? How soon after i insure can I ask them to fix my phone??? Any replies would be greatly appreciated.

A. as soon as you activate your phone

Original Question

What is the most recomended cell phone provider?

Q. ok here my deal, i live in New jersey. the 3 services im debating upon is VERIZON CINGULAR AND T-MOBILE. there are gonna be 5 lines, we all text alot so unlimited texting or something close, all five phones need insurance and IT HAS TO HAVE A GOOD SERVICE AREA. any suggestions

A. I have Verizon and I love it. My boss has Cingular and my girlfriend has Tmobile. Both of them hate their providers.

Original Question

Can you check to see if this list is straight as for most important to least for bill payments?

Q. 1. House + Lot Rent (single-wide on a lot)
2. Car + Car Insurance
3. Credit Card bill
-------------------------------------------------------
4. Luxury expenses (Cell phone, landline/internet, and satellite)

Is this the right idea to go by?

A. Don't forget your utilities (electricity, gas, etc.) for the house.

Original Question

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