Can someone please show me how this story is racist…?

http://www.kfdm.com/news/arthur-35862-police-port.html
Some how this story is seen as racist and i personally think that it is a homicide. How could the parent/grandparent think its ok to "Investigators say he was placed in a car seat on the floor of a bedroom, next to a humidifier with a plastic sheet over him. An oil pan heater was just outside the sheet."
just because it wasn’t on purpose doesn’t mean it wasn’t murder… imo

What does property damage on car insurance cover?

We recently had a freak accident, my husbands truck caught on fire while we were driving it. Thank god no one got hurt, but I am wondering what the property damage covers on the insurance policy because all of my husbands tools literally got burnt, I mean really bad metal hammers and drills and a latter all together probably 500 dollars worth which is not a big deal we can go buy them, im just wondering why they wont cover this. Also my sons car seat was burnt, again not a big deal at least he is ok, but I just want to understand a little better.

Are there any sportscars with high end torque instead of low end torque?

Low end torque where is you feel it from the start of the RPM’s, but High end torque is when you feel more power when the RPM’s are at their highest levels.

When you drive a car with low end torque, it makes you feel like you’re getting pushed back hard in your car seat like…."Vrroom…..Damn! What starting off power this car has!" from the start when you push on the gas.

When you drive a high end torque car it feels like your car can catch up with anyone’s car. It feels like it’s covering a lot of ground in a short amount of time and it has a lot of top speed. As if it’s taking huge strides on the road like a cheetah or something! Like it’s using the road ahead as a vacuum for it’s power and the farther it goes down the road the more powerful the vacuum (your car) is sucking in the power! What a thrill as well. Anyway, that’s what my sports car feels like because it has a lot of high end torque. I drive a Toyota Celica GT-S. Now, I love sportscars just like everybody else but what other cars do you know of have high end torque? If I ever get another sportscar I want a high end torque sports car, I love the second feel better when I’m in a sportscar.

Geico trying to screw me with a payoff on my stolen car?

My car was stolen on October 21st of this year and I’m having a lot of issues with Geico paying off my car. Not only has it been 42 days and I’m just now receiving a phone call about the value of my car, but at the beginning of this process I was told that after 20 days this would be taken care of. I never received a phone call so I personally took it upon myself at 30 days to contact my agent, and told her that my car was never found. She told me she’d send off my file to Total Loss Claims that day. Well, 10 days later I never heard anything so I called back..and she tells me she is JUST now sending in my claim. She said the file came back rejected because THEY forgot to scan a few of my files I had to send in as a package.In turn I have paid 2 car payments already on a car I don’t even have and they only covered 200 dollars worth of stuff stolen out of my car – which barely paid for my kids car seat!

So, today I finally get a phone call from a Total Loss Claims agent to talk about the value of my car. It was in perfect condition and was a 2006 Scion xB Special Release Series 3.0 with 48,000 miles, give or take a few hundred. I KBB on my own and it ranged inbetween 13,000-15,000 depending on the miles and the area. Well, Geico is trying to only give me 12, 661.84 which is BELOW what I still owe on it! I contacted Toyota for a pay off and it was 12,686.04 but even though it is barely any money in between they also will be taking out 500 dollars for a comprehensive deduction. I just don’t see how this is fair considering I’ve already paid 920 dollars over the past 40 days in car payments and now I’m looking at also paying another 520 on it as well! As this point I’ll be making yet another car payment, not receiving any money to help get me into another car and I’m SCREWED. I’ve been without a car already for over 40 days!

What should I do? I made the agent go back and re value our car because I told her that on KBB.com it came back with a way higher value than what they were trying to give me and she said she had no idea what a "Special release series 3.0" meant. I told her that every year they make 2 series that have special stuff in or on them (ours had a special motor, 1,500 dollar paint job, special tail lights, neon lights, sports package around the bottom of the car and carbon fiber on the cars..). I’m just really irritated at this point and don’t know what to do..

Sorry this was so long..
Opps, it is a Special Release Series 4.0 I obviously do not know what or how car value of a car is determined. Can anyone point me in that direction? And yes, I wish I had GAP insurance but they would’ve almost doubled our car payment a month and I don’t see how anyone could expect me to pay 800+ dollars a month for a car.
I wish I could reply to some of you but that isn’t an’ option…

How can they determine threat count on a car that was STOLEN and never returned? Or seats, or anything for that matter. That doesn’t make any sense to me. They did get a letter from Toyota service department where we took our car for all the oil changes, brakes, etc about the condition of the car which was excellent.
Last update:

To the last person who THINKS they know a lot about insurance, you need to do a lot of research before you post know-it-all answers.

A. Car insurance DOES cover what was stolen WITH the car, since obviously I was given 200 dollars for a car seat that was inside the car. Different types of insurance covers different amounts.

B. KBB.com DOES offer a fair value market pricing since I was contacted by Geico this afternoon and given a 14,011.84 offer for my car, which on KBB.com values for 14,590.57. Did you not read that it was a SPECIAL RELEASE SERIES 4.0? I would never sell my car for 11,000 dollars.

C. I was never upset about paying the deductible, just stated how much it took away from the first offer on my car.

D. She was a claims agent, not a personal agent. And I DO have an’ agent who I privately deal with, and have for many years with my insurance.

E. Never borrowed more than the car was worth, bought it brand new. You suck at facts.

Baby mirror for backseat of my car?

I am having trouble finding a mirror that will stay put in the backseat of my car so I can see my baby in her rear facing car seat.
I bought one but it has a strap that is supposed to keep it up-right, the problem is this strap is supposed to connect to something on the rear deck (under the rear window)and I don’t have anythig for it to connect to.
I have tried velcro hooks, but they don’t stay put because the rear deck is covered with carpet.
The car is a 1991 Toyota Corolla.
If anyone has had this same problem or has a suggestion it would be very much appreciated
the car has no headrests

Car seats and expiration dates. Did you know this?

I saw that some people did not know that car seats exprie so I thought I would post this for those who don’t know.

yes, car seats do expire. In fact, most car seats have an expiration date on one of the manufacturer labels that can be found on the sides or bottom of the car seat.

The rule of thumb, if no expiration date is given on the seat, is that car seats expire six years from the date of manufacture. Assuming that your car seat was manufactured in 1999, when you purchased it, yes, it is expired. A few car seat manufacturers allow 10 years of life for their car seats, but unless you have specific directions from the manufacturer, the car seat label or the manual that state otherwise, you should stop using a car seat after 6 years. Expired car seats should be destroyed so that no one picks the seat up thinking that it is still safe to use. Good ways to destroy car seats include cutting up the cover, cutting the harness straps, and using a saw or large hammer to break the shell. If you can actually watch the car seat go into a garbage truck and watch it be crushed, this is a good option, too.

While I can understand the frustration of throwing away something that still looks good, it’s important to understand that the breakdown of a car seat is not something that can always be seen with the naked eye. Car seats are made of plastics. Consider what happens to a plastic toy if it is left outside for some time. The plastic becomes brittle and can develop cracks when stressed. Car seats are subjected to extreme heat and extreme cold while sitting in your vehicle, so the plastics eventually react just like that toy left in the sun.

Video of a car seat that expired in a crash:
http://www.youtube.com/watch?v=wvCRz7BRAM0

For a Question: DId you know that car seats expire?

Yes or No Parenting Beliefs Questions?

As I was reading about different parenting styles it made me wonder how different my views are from others(not that I care, I was just curious).
I opted to leave my answers off to avoid over the top points of view from other Mother’s who don’t have the same beliefs that I have.

Abortion (Not only would you or wouldn’t you have one but do you/would you condone others getting one.)

Circumcision

Baby Immunization

Breastfeeding

Formula

Disposable Diapers

Items that are not approved by the CPSC (bumpers, car seat extras-straps, covers, head rests. department store sleepers that aren’t approved by the SIDS Association, etc. etc.)

Baby Wearing

Baby Leashes

Co-Sleeping

Crying It Out

Spoon Feeding

Infant Ear Piercing

Baby Development Television Shows

Child Care Centers

Stern Voice

Spanking

Toys That Are Dangerous In Real Life(Guns, Knives, Swords, Baby Dolls-as in teaching your child how to care for and to want a baby of their own at a young age, etc. etc.)
Bleached- I can tell that you’re a 13 year old girl one who obviously can’t read. I said that I wasn’t putting my views on there to avoid rude comments like yours. What are you even doing in this section? Get out.
P.S the "13 year old teenage girl with gut and an hourglass figure ;) " comment comes off to me as you’re full of yourself and nobody likes people like that. Plus nobody like ignorant people and you’re full of ignorance. You might want to go look up what ignorance because I’m willing to bet you have no idea what it means. Let along 3/4 of the things that were listed in my question.

I can’t stand teenagers who are so rude for no reason. Children like that are what I absolutely don’t want my Son to end up being like. It’s not cool.
I don’t know what the controversy on spoon feeding is…. It was listed on the site so I added it.

I don’t know what else you would do without a spoon. Use your fingers??

How much does having a baby cost for one year + 9 mos. of pregnancy!?

Project for health class in school.. also…
How much is parental care, diagnostic ultrasound, doctor charges for the 9 mos. of pregnancy!?
How much is labor/ delivery cost?
How much does a pediatrician for a year cost? (well/sick visits, all immunizations)
Food costs for one year?
How much does it cost to furnish a nursery?
Child care for 9 months?
Stroller cost, car seat cost, outlet covers, high chair, etc.?
Diapers?
Infant and toddler clothing costs?!?
Misc….!!!
Thanks, I apreciate it!!

Cost of having a child?

i need some help on a homework assignment for my health class. we are supposed to figure out wat the cost of a child will be for the first 9 months of pregnancy and the first year of its life. i need some questions answered. 1 how much would furnishing a nursery cost? 2 cost of the 9 months of child care after maternal leave. 3 cost of items that are essential such as stroller car seat outlet covers and etc.4 clothing for the child throughout the first year of birth. 10 and finally any miscellaneous items that may be needed. i need prices and the name of the item for last one. so if anyone can help me with some of those things it is very much appreciated

Installing Universal Car Seat Cover Help?

I have a 99 Toyota Corolla, and it needed car seat covers bad.

I bought these ones that come with a piece for the headrest individually, so they require me to remove the headrest to install them properly.

How do you remove the headrest? Like, do you just pop it out? Is there a tool needed, or any pins in there?

Thanks for your help!

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