does a new driver over 25 pay as much as a new younger driver?
"i was first licensed when i was 26 and have been driving for two years. i want to get my first car and want to know what my insurance rates will be. i live in chicago and haven't had any tickets."
"insurance companies view older, new drivers just as high risk as younger, new drivers. the reason why older drivers have better rates is typically because they've been driving longer. 
 
older drivers are often able to prove to insurance companies that they're reliable. a new driver hasn't had that experience, so insurance companies are taking on more risk by insuring them.
 
additionally, since you live in a large city, your rates will normally be higher than a suburb or smaller town. 
 
to find out what your rate will be, you'll want to request [car insurance quotes](https://getjerry.com/car-insurance) from different carriers. this will give you a good idea of how much you'll be paying in car insurance. 
 
while your rates may be high to begin with, your rates should begin to decrease if you maintain insurance and a clean driving record."
it depends how much you would have to pay out on your current lease. here are opinions and answers from faq farmers: * there are probably different laws in different states, but in kansas you show the sales tax receipt when you register the vehicle. if you did not pay sales tax to the seller, the county clerk will collect it then. * no. the buyer probably will. * i believe that in most states when you go to register the car as the buyer you will pay sales tax on the purchase price equal to the sales tax rate of the county you live in. * sales tax is a state tax and laws and rates do vary. cars (like real estate) are, by the very nature of values involved, frequently handled under special rules. generally, just like if you buy say a used washing machine from a business, that business will collect the sales tax. with cars, if you don't buy it from a business, when you go the register it, the dept. of mtr vehicles will collect it for the state. if you trade a car in to a dealer, many places they can give you a credit for the value of the trade, and only charge you sales tax on the amount above it. * yes -- i just discovered yesterday that if you live in georgia, you will have to pay sales tax if you buy a used vehicle from a business. this may be the rule in other states also, even if you purchase the car from out of state. last month i flew to new york to pick up a beautiful 2003 cadillac escalade, and drove it back down here to georgia. the car was loaded with everything, and i bought it from an individual (so i thought). since i got a good price on the car compared to a dealership, and thought i would be avoiding any sales tax, i felt it was a very good deal. the only problem was that the seller had bought the car through his small business/company, in which he was a partner, and the company's name was written first above his name on the title. yesterday, when i went to the county offices to register it, i was told that i would have to pay just over $2100 sales tax at 7% (the county rate) because the car was purchased from a business (although not a car dealership). while i am very happy with the car and still got a very good price, this is a loophole that i've never run into before. so, if you think that you are buying a used car from an individual, make sure that you ask them if it was purchased and titled under the name of a small business or company they own, otherwise you may be liable for the full taxable amount. comment/clarification on above: the person above is confusing things: that the seller had it registered however he had (business name or not) makes no difference. when you buy a car from a non auto dealer, you pay the tax when you register the car. when you buy it from a dealer, (who normally handles all the registration stuff for you)...you pay him the tax to pay the state. when you buy a car for export out of the state, the tax isn't charged until you register it in the destination state (or if it is, most states will give you a credit for the tax paid, if it was done to get a temporary transit permit). as far as my previous response, i'm not confusing the matter, just reporting on what happened here with the county when i went to register the car. the fact that the vehicle was "owned" by a business is what affected the taxes. it would have been the same if the owner was in georgia or in another state. i have purchased vehicles both in and out of state, and because it was from an individual, i did not have to pay sales tax at all when it was registered. these were non auto dealers, and there was no tax owed to the county gov't. i'm not trying to create confusion, just letting you know what happened to me here in georgia. the commenter immediately above is absolutely correct. in georgia, a used vehicle purchased from an individual (whether he/she is in-state or outside of georgia) has absolutely no sales tax liability, either at the time of purchase or when the vehicle is registered in georgia. if, on the other hand, you buy from an auto dealer (either in-state or outside of georgia) they are legally obligated to collect the sales tax and forward it to the georgia department of revenue (retain proof of such payment in case they fail to do so). the only exception to this rule is if you buy from an out-of-state auto dealer who then ships the vehicle to you in georgia via "common carrier" (in other words, you don't take delivery in this other state). in that case, they have no legal obligation to collect georgia sales tax, but you will then owe "use tax" (same principle as sales tax) when you register your vehicle at the georgia dmv (the exact rate of tax may vary from county to county within georgia; you will pay the rate effective in your county of residence). if you buy from a business entity that is not an auto dealer (say a car rental firm that's selling excess inventory), whether they are in-state or outside of georgia you are still liable for the sales tax. it makes absolutely no difference whether that business is an auto dealership or not: it's whether the name on the seller's title is of an individual or a business that determines sales tax liability in georgia. in short: individual seller (in georgia or out of state) = no sales tax when registering vehicle in georgia; business seller (auto dealer or not, in-state or outside of georgia) = sales tax liable (with the one exception noted above, when an out-of-state dealer ships you the vehicle via common carrier -- then you are responsible for paying the "use tax" when you register at the georgia dmv). note: when you buy a georgia vehicle and register it in another state, you will pay the prevailing sales tax rate in that other state. thus, it doesn't make sense to travel to georgia to buy a vehicle just to avoid the sales tax. same would be true for vehicles purchased in oregon, or any other state that doesn't tax vehicle sales (unless, of course, you also live in such state). clarification: if you purchasde a used vehicle from a private owner in georgia (and you live in georgia), then you avoid paying any sales tax on the car. georgia considers this type of transaction a "casual sale " and only charges sales tax if the previous owner registered the vehicle for a business. expect to pay sales tax in georgia, however, if the previous private owner registered the vehicle for business use, or, you bought the car from a dealer. cars purchased out-of-state also incur a sales tax. for example, if you live in georgia and purchased a car in florida from a private individual, you do pay a sales tax in georgia. previous postings incorrectly state that you don't have to pay a sales tax in georgia if you bought a car from a private individual outside of georgia. it does matter! i live in georgia and purchased a new mercedes benz in florida from a private individual , i had to pay a sales tax when registering my car in georgia. you do not have to pay sales tax in ga when a car is purchased from a privaqte seller regardless of where the private seller resides. this is deemed a casual sale. please see the links below for the official documentation from the ga dept of revenue: http://motor.etax.dor.ga.gov/motor/registration/regrequirements.asp state regulation 560-12-1-.07 regarding sales tax (casual sale) http://rules.sos.state.ga.us/docs/560/12/1/07.pdf ok, has anyone noticed that the guy asking the question specifically refers to california? why is everyone discussing georgia? so frustrating! a credit card is a payment method that lets the user borrow money as needed to purchase goods and services. using a credit card responsibly also is the easiest way to build a good credit score. other benefits for credit card users include the opportunity to earn rewards on purchases, the flexibility to pay off large purchases over time, or the chance to reduce the cost of existing debt through a balance transfer. on the other hand, banks and credit unions offer credit cards because they are a good source of income from fees and interest charges.
to qualify for a credit card account, an applicant must be at least 18 years old with enough income to afford monthly bill payments, in light of the individual’s existing financial obligations. there is no minimum age to get a credit card as an authorized user, however.
physically, a credit card is about the size of a driver’s license. most new credit cards are now equipped with a magnetic stripe and a metal chip, allowing cardholders to swipe, dip or tap their card in or against a payment terminal to complete a purchase. the stripe, the chip, or the credit card number can be used to make purchases, which will deduct from the card’s credit line. the amount of a credit line – called a credit limit – depends on the cardholder’s income and overall creditworthiness. once a month, the cardholder receives a credit card statement detailing purchases and payments made during that billing cycle, and noting when the cardholder must make a payment on the account.
credit card features & fees
credit cards require regular payments to keep the account open and in good standing. if you pay for your purchases within the window of the grace period on the account (typically between 21 and 25 days after the monthly statement is issued), you won’t have to pay more than you borrowed. if you carry your balance past that, however, you’ll generally have to pay the regular interest rate - or regular apr - on the amount you owe. credit cards have higher regular aprs than most consumer loans, so it’s best to avoid carrying a balance.
outside of interest charges, credit cards may come with fees. late fees apply to nearly all credit cards when you don’t pay at least the minimum payment by the due date. annual, monthly, and one-time fees may be charged just to have certain credit cards. the credit cards with the biggest benefits and perks - travel credits, free airport lounge memberships, and the highest rewards rates, to name a few - are usually the ones with annual fees.
credit cards may give access to a certain amount of cash in the form of a cash advance. when you take out a cash advance, the grace period does not apply. you will start accruing interest the day you get the cash, and the cash advance fee will be added to your credit card balance.
a balance transfer is another credit card function that usually comes with a fee. balance transfers essentially pay one credit card balance with another credit card for the purpose of saving money in interest charges. in addition to the average balance transfer fee of 3%-5%, there’s an interest rate for the amount you transfer. deliveries - but requires driving... i know... you don't do that.home appraiser - need a licensed or certified appraiser to sponsor you, but you can do that with little training, make decent $. again.. driving requiredhome inspector. you can find it at https://cbc.gov.ky/images/documents/customs-tariff-law-2017-revision.pdf chapter 22, which starts on page 48 tariffs range anywhere from $2/litre to $16/litre, depending what you are bringing in - some of them are a pecentage. welcome to the disney parks moms panel, diane. how exciting that you're planning your son's first trip to the happiest place on earth! children under 3 years of age do not require a park ticket. disney parks go by honor system and will take your word for it. however, it's not a bad idea to have a copy of your son's birth certificate as proper proof of age, just in case. be sure to stop by city hall on main street usa in disneyland or chamber of commerce on buena vista street in california adventure for your son's first trip button to commemorate the occasion! if you have further questions, please visit me on the panel again! have a magical day, kiki i am 26 years old and have the same problems, i have had all the testing, let me know what you hear.thanks! my rule of thumb is ideally >20% (the higher the better), though there are exceptions if you're about to price yourself out of the market or there are other benefits to working at the new firm (e.g. employee benefits are better, the work is not fulfilling, better client alignment, etc). i wouldn't accept a pay cut, though. No, since they did not write the law for you. What you need to look for is a Grandfather Clause that lets those who had it legally, get to keep it legally.   

  

Edit: No, TD, it is so the police can see the driver. most automated banking payment systems won't have been told deceember 25th is different from any other day. 

the credit may not reach another account until the 27th but if you pay on time, they can't complain. if you're worried about it, pay it on the 24th.