#OLK

[fmarkets]

Financial Growth and Strategic Partnerships Drive Olink Holding Ab Publ's Expansion https://csimarket.com/stocks/news.php?code=OLK&date=2024-03-25220138&utm_source=dlvr.it&utm_medium=tumblr

[love-dies-bleeding]

Two fun facts about the postgame: you can’t use the corridors because of the island’s instability, and Shinji went and weed on the Ziggurat controls.

[bbbrianjones]

[miss-floral-thief]

[heatsu]

going to military antiques shop on Friday hehe

[lifeinsurancelaw]

What is the Life Insurance Contestability Period?

Life insurance is crucial for financial security, but understanding the contestability period in New Jersey is essential for both policyholders and beneficiaries.

In this article, we’ll highlight the importance of this timeframe, common misconceptions, and key guidelines to help you safeguard your family’s financial future.

Understanding the Life Insurance Contestability Period in New Jersey

The life insurance contestability period is a crucial timeframe for policyholders and beneficiaries in New Jersey. This period typically lasts two years from the policy's issue date.

During this time, insurance companies can investigate claims more deeply. They may deny claims if they find misrepresentation or inaccuracies in the application.

Definition And Significance Of The Contestability Period

The contestability period protects insurance providers from fraudulent claims.

If a claim arises within this two-year window, insurers review all information provided by the policyholder at application. They look at details like health status, lifestyle choices, and any other relevant factors.

Understanding life insurance rules during this phase is essential for safeguarding beneficiary rights and ensuring financial security after an insured person passes away.

If an insurer uncovers discrepancies—like failing to disclose pre-existing conditions—they may label those claims as "contestable." The consequences can be serious; if they successfully contest a claim, they might refuse payment altogether.

Legal help from Trief & Olk can be valuable when dealing with contested claims. Policyholders must ensure their applications are accurate and complete to avoid problems later on.

Specific Guidelines For Life Insurance Policies In New Jersey

New Jersey laws outline several key points regarding life insurance policies during the contestability period:

Beneficiary Designation: Clearly naming beneficiaries in your policy documents helps avoid disputes among heirs.

Financial Security: Knowing how premiums are assessed keeps your coverage intact without unexpected lapses due to non-payment or administrative mistakes.

Application Accuracy: It's crucial to provide complete and accurate information on your application; even minor omissions can lead to significant issues when a claim is filed.

By following these guidelines set by New Jersey law, individuals can better protect themselves and their loved ones from potential pitfalls related to life insurance contracts during this sensitive period.

Duration of the Life Insurance Contestability Period in New Jersey

In New Jersey, life insurance policies come with a contestability period that typically lasts two years from the date the policy is issued. During this time, insurance companies have the right to investigate claims thoroughly.

If they find any misrepresentation or fraud, they may deny those claims. This contestability period is important for both policyholders and beneficiaries, as it outlines their rights and responsibilities when a claim is investigated.

Standard Two-Year Timeframe Explanation

The standard two-year timeframe is designed to protect life insurance companies. It allows them to assess risks accurately during the underwriting process.

Insurers can check the information on applications, making sure it matches their risk evaluation criteria.

If any discrepancies arise regarding premium assessments or risk evaluations within this two-year window, insurers have legal grounds to challenge claims made during this time.

This two-year rule creates clear guidelines for which claims can be contested due to possible inaccuracies in the application.

It promotes transparency between policyholders and insurance providers while protecting against fraudulent activities that could weaken the system.

Conditions That May Affect This Duration

While New Jersey generally adheres to a two-year contestability period, certain situations may extend this timeframe:

Material Misrepresentation: If insurers uncover serious inaccuracies that impact underwriting decisions—like undisclosed health issues—the contestability period might be longer.

Application Errors: Mistakes or omissions made during the application process can lead to deeper scrutiny from insurers. These errors might require more investigation even after initial reviews are done.

Suicide Clause: Many life insurance policies have specific clauses about death by suicide. These clauses often have different rules regarding how claims are processed during specified periods after policy issuance. Such clauses can affect how claims are evaluated in relation to the standard contestability timeline.

Understanding these factors helps policyholders and beneficiaries handle potential challenges related to claim denials effectively.

It’s wise for individuals dealing with life insurance claims in New Jersey to consult experienced professionals for guidance on navigating this complex landscape.

Reasons for Life Insurance Contestability Claims

The life insurance contestability period is an important time. It usually lasts for the first two years after a policy is issued.

During this period, insurers can closely investigate claims. They may deny claims due to misrepresentation or non-disclosure of facts by the policyholder. Knowing these reasons helps beneficiaries handle potential claim disputes more effectively.

Misrepresentation on Applications

When filling out insurance applications, providing accurate information is essential. Material misrepresentation happens when applicants give false details that affect underwriting decisions. Some common application errors include:

Incorrect age

Wrong income details

Inaccurate health status

Even honest mistakes can lead to contested claims if they impact the risk evaluation process.

Non-Disclosure of Medical Conditions

Health disclosure is crucial in the underwriting process for life insurance policies. Applicants must fully share their medical history, including pre-existing conditions and ongoing treatments.

If someone fails to disclose this information, it could result in claim denials during the contestability period. Insurers rely heavily on accurate health information to evaluate risks properly.

Other Common Reasons for Contestable Claims

Aside from misrepresentation and non-disclosure, several other factors can lead to contestable claims in life insurance:

Issues with premium assessment, like incorrect or late payments, may cause coverage lapses.

Fraud in life insurance can occur if someone submits falsified documents, prompting serious investigations and benefit denials.

Understanding Claim Denials During the Contestability Period

Claim denials during the contestability period can create serious concerns for beneficiaries. It’s vital to know your rights when facing such situations.

If an insurer denies a claim based on investigations into inaccuracies or omissions at application time, beneficiaries should understand their legal rights and options available.

Importance of Transparency and Honesty

Being transparent throughout the application process builds trust between policyholders and insurers. This honesty helps ensure financial security for beneficiaries when death benefits are paid out.

Policyholders are obligated to provide accurate information; any honest mistakes should be corrected quickly before underwriting ends, as these errors can significantly influence coverage terms.

Impact of the Contestability Period on Life Insurance Benefits

The life insurance contestability period lasts for two years from the policy's issue date.

During this time, insurers can investigate claims more thoroughly. They may deny benefits based on misrepresentations made by the policyholder. Understanding how this affects beneficiaries' rights and financial security is important.

How Beneficiaries Might Be Affected By Claim Denials

A claim denial during the contestability period can hit beneficiaries hard. Denied beneficiary claims often lead to unexpected financial stress. They may lose access to death benefits that were meant to support them.

Legal representation may be needed if a denial occurs, complicating matters for those already dealing with grief. It’s essential for beneficiaries in New Jersey to know their rights regarding contested claims and seek help when facing an insurance denial.

Consequences Of Denied Claims During The Contestability Period

During the contestability period, which typically lasts for two years after a life insurance policy is issued, claims can be denied for several reasons.

Understanding the potential consequences of these denials is crucial for both policyholders and beneficiaries. Here’s a list of the key impacts:

Financial Hardship for Beneficiaries

Denied claims can leave beneficiaries without the expected death benefit, leading to difficulties in covering funeral expenses and other financial obligations.

Emotional Distress

The denial of a claim can cause significant emotional turmoil for beneficiaries who are already dealing with loss, leading to feelings of frustration and betrayal.

Lengthy Appeals Process

Beneficiaries may need to engage in a complicated and time-consuming appeals process, which can add to their stress during a difficult time.

Legal Costs

If the denial is contested, beneficiaries might incur legal fees while seeking to challenge the decision, further straining their financial situation.

Impact on Current Coverage

A denied claim due to misrepresentation can void the policy, leaving the policyholder without coverage and potentially uninsured.

Future Insurability Issues

If intentional misrepresentation is discovered, it may affect the policyholder's ability to obtain new insurance policies in the future, as insurers may view them as a higher risk.

Loss of Trust in Insurers

A denied claim can erode trust in the insurance company, prompting policyholders and beneficiaries to reconsider their future insurance choices.

The Incontestability Clause in New Jersey Life Insurance Policies

The incontestability clause is an important part of life insurance policies in New Jersey. This clause usually starts after an incontestability period of two years from the date the policy is issued.

During this time, insurance companies can review claims and contest them based on any misrepresentations made by the policyholder during their application.

Once the incontestability period is over, insurers can no longer challenge claims based on mistakes in the application, unless fraud is involved. This gives beneficiaries peace of mind.

They can expect to receive death benefits without worry about denial due to past errors related to premium assessment or risk evaluation.

It’s essential for policyholders to provide accurate information when applying for coverage. If they fail to do so, it could lead to issues during claim investigations if there are problems before the end of the contestability period.

Explanation and Importance Post-Contestability Period

After the contestability period ends, beneficiaries gain significant assurance regarding their rights under life insurance rules. They can expect that death benefits will be paid promptly once they submit a valid claim.

Although legal assistance may still be required if disputes occur after this period, such cases are rare compared to those happening during the initial timeframe.

Understanding your rights helps provide financial security, especially when families depend on these funds after losing a loved one. Knowing about beneficiary rights allows families to focus on healing rather than worrying about claims processes.

Differences Between Contestable and Incontestable Periods

The main difference between contestable and incontestable periods involves how material misrepresentation affects claims processing:

Material Misrepresentation: During the contestable phase (the first two years), insurers have broad powers to investigate applications for accuracy. They can deny claims if they find misleading statements regarding health or lifestyle choices.

Claims Assessment: After two years, insurers focus on whether premiums were paid regularly instead of scrutinizing past applicant history.

Application Accuracy: While policyholders should always strive for accuracy at the start, they enjoy better protection against arbitrary denials once this period passes.

These differences are vital for consumers to understand and emphasize the importance of honesty throughout all stages of dealing with life insurance products.

Common Misconceptions about the Life Insurance Contestability Period

Understanding the life insurance contestability period is key for both policyholders and beneficiaries. However, many misconceptions can create confusion about rights and responsibilities during this time.

Myth 1: Insurers Can Deny Claims Anytime During the Contestability Period

Many people think insurers can deny claims at any moment during the contestability period. This isn't true. Insurers do have a right to investigate claims more thoroughly, but they cannot deny them without valid reasons.

The contestable claims timeframe usually lasts two years from the policy issue date. If a claim arises, insurers must investigate based on accurate information provided by the policyholder when applying for coverage.

It's crucial for policyholders to fulfill their obligations by providing truthful details in applications. Failing to do so can lead to valid grounds for claim denial. Still, mere suspicion or unsupported reasons won't suffice for a denial.

Myth 2: All Types of Misrepresentation Lead to Claim Denial

Another common belief is that all types of misrepresentation result in automatic claim denials. That’s not entirely correct; only material misrepresentations can lead to denied claims.

Material misrepresentations are those that significantly impact underwriting decisions. Intentional misrepresentation has tougher consequences compared to simple errors due to oversight or misunderstanding.

For instance, if someone mistakenly provides wrong health details without intending to deceive, they might still receive benefits, depending on how critical that info was during underwriting.

Myth 3: The Contestability Period Only Applies to New Policies

Some believe the life insurance contestability period only pertains to new policies. In reality, reinstated policies also follow this rule after being reactivated due to missed premium payments.

When a policyholder seeks reinstatement under certain conditions set by their insurer—like proof of insurability—the contestable claims rules apply as if it were a brand-new policy.

This highlights the importance of maintaining clear communication with your insurer regarding your policy's status, ensuring continuous coverage without misunderstandings down the line.

Myth 4: Beneficiaries Have No Rights During the Contestability Period

A common misconception among beneficiaries is that they have no rights while a claim is contested during its designated timeframe.

This idea is incorrect; beneficiaries retain specific rights even when claims are under investigation related to death benefits owed upon the insured's passing.

Beneficiaries should know their entitlements during payout disputes, as these situations can be legally complex. Clear expectations after a claim is submitted are essential, regardless of issues with validity or contract terms.

Clarifying Facts vs. Myths

Misunderstandings surrounding life insurance can lead to significant confusion about both policies and beneficiaries' rights in different situations involving contested claims afterward.

This could potentially impact financial security for families relying on those funds expected from timely payouts.

To handle these complexities effectively, it's essential to understand proper interpretations of laws governing such matters and seek qualified legal assistance when needed.

This approach helps ensure compliance throughout the entire process, addressing issues satisfactorily while preserving trust among all participants involved.

FAQs

What Happens During The Contestability Period?

During the contestability period, insurers can thoroughly investigate claims. They check for misrepresentations and omissions made in the application. If discrepancies arise, they may deny the claim.

How Long Does The Contestability Period Last In New Jersey?

In New Jersey, the contestability period lasts for two years from the policy issue date. This timeframe allows insurers to ensure accurate underwriting assessments.

Can Beneficiaries Appeal A Denied Claim During This Period?

Yes, beneficiaries can appeal a denied claim during the contestability period. It's crucial to understand their rights and seek legal assistance if needed.

What Types Of Misrepresentation Lead To Claim Denials?

Material misrepresentation can lead to claim denials. Examples include incorrect health information or undisclosed medical conditions.

Are There Exceptions To The Two-Year Contestability Period?

Yes, certain situations may extend this duration. Material misrepresentation or specific clauses, like suicide clauses, can affect claims processing timelines.

Additional Points

Claims Lawyer: Consult a claims lawyer for legal assistance with contested claims.

Legal Assistance: Seek legal consultation if facing beneficiary disputes or insurance denial issues.

Insurance Claims Process: Understand your rights within the insurance claims process to protect financial interests.

Insurance Underwriting: Accurate information during insurance underwriting is vital for policy approval.

Policy Reinstatement: Reinstated policies also follow contestability rules; understand their implications.

Fraud Investigation: Be aware that insurers conduct fraud investigations during claims processing.

Consumer Protection: Know consumer protection laws regarding insurance claims in New Jersey.

Financial Planning: Include life insurance as part of comprehensive financial planning for family protection.

Coverage Terms: Familiarize yourself with coverage terms to avoid pitfalls in policy contracts.

Life Insurance Overview: Review different types of life insurance options available to meet your needs.

[lifeinsurancelawyers]

How to Appeal Denied FEGLI Claims in New York

The Federal Employees Group Life Insurance (FEGLI) program is a vital benefit for federal employees, providing them with life insurance coverage. However, there may be instances where claims are denied, leading to significant distress for beneficiaries.

If your FEGLI claim has been denied in New York, understanding the appeals process is crucial. This article outlines the steps to appeal a denied FEGLI claim, including relevant laws, best practices, and resources.

What is FEGLI?

The Federal Employees Group Life Insurance program was established to provide life insurance to federal employees, their families, and retirees. The program is administered by the Office of Personnel Management (OPM) and offers various coverage options.

Common Reasons for Denial

Claims may be denied for several reasons, including:

Insufficient Documentation: Missing or incomplete forms.

Ineligibility: The insured may not have been eligible for the coverage at the time of death.

Policy Lapse: Premiums may not have been paid, leading to policy cancellation.

Misrepresentation: Inaccuracies in the application process can lead to denial.

Steps to Take After a Denied Claim

A denied FEGLI claim in New York can be disheartening for beneficiaries. Understanding the initial steps to take is essential for navigating the appeals process. This guide outlines key actions to help you pursue your benefits.

1. Review the Denial Letter

The first step is to carefully read the denial letter. It will outline the specific reasons for the denial and any relevant policy clauses.

2. Gather Documentation

Collect all relevant documents, including:

The original insurance policy

The denial letter

Death certificate

Any correspondence with the insurance company

Medical records, if applicable

3. Consult the OPM Guidelines

Refer to the OPM's official guidelines regarding FEGLI claims. Understanding the policies and procedures can help you formulate a strong appeal.

4. Write an Appeal Letter

Your appeal letter should be clear and concise. Include the following elements:

Your Personal Information: Name, address, and contact details.

Claim Information: Policy number and details of the denied claim.

Reason for Appeal: Clearly state why you believe the claim should be approved, referencing the denial letter and any supporting evidence.

Supporting Documents: Attach all relevant documents to bolster your case.

5. Be Professional and Respectful

Maintain a professional tone throughout your appeal letter. Avoid emotional language and focus on the factual basis for your appeal.

6. Know Where to Send Your Appeal

Ensure you send your appeal to the correct office. The denial letter should indicate where to submit your appeal. If this information is unclear, consult the FEGLI website or contact their customer service.

7. Use Certified Mail or Another Reliable Method

Consider sending your appeal via certified mail or another reliable method that provides tracking. This ensures you have proof of submission.

8. Keep Records

Maintain a copy of your appeal letter and any correspondence related to your claim. This documentation is essential if further disputes arise.

9. Follow Up

If you do not receive a response within a reasonable timeframe (usually 30-60 days), follow up with the insurance provider to check the status of your appeal.

What to Do if Your Appeal is Denied

If your FEGLI claim appeal is denied, it's essential to know your next steps. This guide outlines what to do after a denial, including reasons for denial, gathering documentation, and further appeals.

1. Review the Second Denial Letter

If your appeal is denied, carefully review the new denial letter for additional information on why the claim was rejected.

2. Consider Further Action

You may have further options, such as:

Requesting a Review: In some cases, you can request a review of the decision by a higher authority within the insurance company.

Seeking Mediation: Some disputes can be resolved through mediation or arbitration.

Legal Action: As a last resort, consider consulting with an attorney from Trief & Olk - New York Life Insurance Denial Lawyers about the possibility of legal action, especially a life insurance trial lawyer.

[mapsontheweb]

England & Wales place-names rendered into High German (morphologically reconstructed with attention to ultimate etymology and sound evolution processes)

to try to reconstruct a 'plausible'-sounding german version of names, it was hard to decide whether to go right back to a shared proto-indo european root (as with Hagen- in Cardiff etc.), or to simply conjecture what may have become of a celtic name in german (as with Carlisle).

in order to try and keep it realistic the gazetteer of german place names was open in front of me, so that i could find actual attestation (in germany & austria) for most of the (parts of the) names on this map, even with shared etymologies.

Gottverdammt! stupid mistakes found: Yorch(scheier) should of course be **J****orch, Nordfolk should be Nord****v****olk, Marken should be Gemarken

by topherette

[im-a-wizard-who-dont-crime]

Cookout is starting. Here's what everyone's supposed to be bringing.

@incompetent-wizard : giant moss monster

@telehawk : smoked flesh monster and potato salad

@thewanderingshapebetweenrealms : some kind of soup

@the-mighty-dalob : stew

@serious-tabaxi : salsa olkes

@ignisuadaroleplay : salmon and berry tarts. Wether those are different types I don't know

@theweevilwizardofthewest : cigars and whisky

@that-one-loser-ky : hand made pizza

@inkpoint : sandwiches

@slutty-wizard-council and @anonamaswizard are both bringing their own sentient flesh amalgams (not edible)

Every also thank @blooper-malte they aren't coming but they are sending us brisket

as for what I'm making: fried crab cakes

[ladyhelsgallery]

GRYAAAAAAAAAAAAAA!!!!

Hardly testing rpg maker...

Me and my friend created a simple story for test before "Our little communist" because OLK's plot is cursed and kinda big

Characters

I dunno Korean but pikabu cite said that these koran names are the most beautiful! Kim Kok Sak, Syn Shlyu Hi and Pak Chu Han... And Pak Chu Han's sanriosona

[myfairkatiecat]

Guys I’ve seen multiple comments on this and it makes me curious 👀 how do you guys read kotlc?

[wyrmalien]

Imbolc shona daoibh! (happy Imbolc to you!) 🐄☀🌱

[Image ID: / A coloured sketch of a white calf. It has a golden triskele on its forehead, and its head is bent low to the ground. It stands in a patch of grass revealed by melting snow, dotted with yellow and orange flowers. Behind its head is a golden starburst that mimics the sun. The background is a grey-blue colour, and white text above the calf reads in a mediaeval font: imbolc shona daoibh! (Im-Olk Hunna Yeev) / End ID]

In many parts of Ireland it is believed that on Imbolc, Brigid will go from house to house with her favourite white cow to bless items left outside by the occupants 🌿

[mademoisellekalopsia]

Held Back Brushstrokes

The setting, a lazy afternoon, within one's humble abode, A had a case yet again due to eating on an egg sandwich a tad too quick accompanied with an ice cold red tea. B, on the other hand, was by the living room, busy painting their nails, meticulously fining the clear nail polish coat on the nail plate. It looks so calming, in a way, judging from B's focused-serious look etched on their face.

A couldn't resist but join in the seemingly relaxing painting session.

"Mmrk!" A sharp, muffled hiccup jostled A's middle torso, bringing a hand to rest on their sternum. "Mind if I join in? HMM'RK!HIGK!" A double, muffle-loud hiccup got on the loose at the end there.

B looked up to their beloved, gesturing their head pointing in front of them as if an invitation, "Sit over there, dear." They resumed on painting their nails on their hand. Their face is practically so close to their finger.

A chuckled softly only to let out a "Huck!" The sight was quite endearing to say the least. They continue to watch their spouse paint, the hiccups now let loose on their own while they sat criss-cross on the carpet.

Whilst painting their nails, B would give a few gaze set on A, timing their hiccup bouts and capturing their pacing and sounds. Silently indulging and appreciating the moment.

"You're quite fixated on this, aren't you?" B questioned since A seems to be captivated by how focused their beloved is.

"Ho-UCK'LP! Ooh, pardon…how could I-hnk! not?" They cover their mouth as a cluster of doubles came about.

B cooed at the sight, rubbing their hand on their beloved's leg to express sympathy. "Goodness, those sound awful. Do you want to cure them?"

As much as B would like to listen more to the symphony, the hiccuper's side should be prioritized before anything else. A finally had some respite, a long exhale escaped their lips, before their head jerked back, it is much more soft, but sharp now.

"Mmm-mm…H'muck!-I can manage through, they've Mmk!-calmed down anyway. I'll let you Hoop!Hngk!-uh, know if I excused myself." A replied in a reassuring tone, but the way B's lips tugged to the side, brows furrowing, they will have to keep an eye on them.

"Hm…you're quite HRK! fond of painting your na-nails, huh?" A softly spoke.

"I wanted a new color this month." B replied.

A hummed in acknowledgment, then wondered if they could paint B's nails for them.

"Mind if I HUCK!-ooh…give it a go?" A pats their chest as another thump was heard by their throat.

Looking up to them, B is actually not opposed at the tone of willingness. They were just wondering how A will do their nails whilst having a case.

"Oh, gah…well, sure, not at all." B then offered their finely coated nails, unfinished as it needs the base coat. A sat closer, reaching out to B's hand, holding it on theirs. Bringing it closer, A spoke.

"HMK'uh!-So, what else does it need?"

"You can do the base coat." B rummaged on their nail polish kit, looking for a specific color.

"Deep Black! Since I would like a more achromatic color…" B reasoned out, "…and because its sexy, and its october...Halloween."

A chuckled warmly, cut off by a heavy thump by their chest at the end. They cleared their throat.

"Alright, black it is then. Hnrk'uck! You're the HMK! expert at this after-OLK! Oof." With that, B gave the nail polish to them. A shook the bottle well before turning the cap with a pop. The scent of nail polish can be so alluring…like fresh markers from the stationery stores. Going back.

"Stay still please. Huck!" A brought B's hand close to them to paint the nails as near and finely as possible, as if seeking for their satisfaction to be recorded in their rate book. Ironic to ask them to stay still, when really, A is over here, jerking occasionally.

A soft chuckle escaped B's lips, watching A paint. The way A is hiccuping about, it wasn't as sharp with how their focus is on the nail. Interesting. Sure, their chest is jerking, belly bouncing, and their body being pulled back momentarily, they still continue to paint just as fine as how B does it.

B propped their head to rest on their other knee, staring at the both the painting and A's on-going case. It is all too endearing. So relaxing in a way. A would glance back to their beloved, a content smile and a heavy "Hmmk!" echoed within them, feeling as relaxed.

Then, a sudden deep hiccup made A's head jerk back, the paint on the last nail smudged over. "Ugh…crap, M'mugk! Pardon me, dear." A massaged their neck out of discomfort, groaning. B shook their head, dismissing the apology.

"No need to do so, dearest. That one was unexpected!" Tending their spouse's chest with a light rub, feeling another thump against their palm.

A grumbled at the outcome after that scene, "Mmm…guh, looks like Mmrk!-I got some on your Hirk!-mmm…finger." With a huff, A would fix the minor mishap.

"You're doing great so far, but I should prolly grab you your remedy." B suggested with worry.

"After this." A manage to say, the deep tone on their voice expressing their rising grumpiness. B sighed as they let them.

"There we go. Hmk! What do you think?" A sought for their approval. B, shifting to switch on professional mode, their lips pursing up slightly, eyes looking at the detail.

"Huh. Pretty neat, dear." B nodded in approval, leaving A to sigh and hiccup at the end of it.

"Minus one on the smudge earlier." B teased eben though it was all an accident.

"No fair! Hmrk'kulp!-you saw that I didn't mean that to-hmk! happen at all." A was in disbelief at first, but chuckled, grumbling at their banter and tease.

"I'm kidding! Kidding! You did a splendid job, dear. 10 out of 10. Such a clean paint…" B leaned to them, pressing their lips against A's own lips, "leaving a rather satisfied customer."

Both of them chuckled heartily. A softly blew on their fingers to dry the nail polish up for the final coat. Even with the occasional hitches, B would wait, relishing the relaxing nail painting moment with their beloved.

"Next hand please, Mk'huck!" A insists on doing their other hand, an audible hiccup escaping their lips, leaving them to keep a hand on their stomach as it gave another hitch.

"Oh-ho, I don't think so, luv! Let's cure your case. I can see your grumpiness from them." B chuckled, kissing both of their spouse's cheek as they suggested on doing the remedy as what has been said prior.

[elacular-kink]

Hicvember 29: Supernatural

I wound up writing a decent amount. I think I also might end up doing more with these characters in the future. Could work with my more "Out there" kinks, one of which is already on display in this one.

Now has a sequel story.

TW: Death (mentioned), loneliness, religious trauma (implied)

Kinks: Hiccups, bubbles, stomach noises, burps, uh...voooooore? Kinda? Living creature inside of another living creature.

"I'm so–*HUP* sorry, are you th---the hag?"

I bit the inside of my cheek and braced myself for what was coming as the soft, round woman outside my door stared at me. Compared to her, with my bone-white skin and hair and my scrawny form, I may as well have been a skeleton. "Yes, I'm the hag. The old one's dead. What do you want?"

Her head whipped back and forth, and she looked stupidly innocent and naive even though she was at least half a decade older than me. Her case of the hiccups probably added to that, especially with how it made her whole body hop and the little surprised way her eyes would widen when they came, not that I should have been paying attention to that. I wondered if the gardens full of herbs, chimney smoke that transformed into clouds, and the generally mystical aura that my previous master's hut had about it was enough to convince people I was serious. If I had to start wearing her black dresses and pointed hats, I'd be irritated.

This prospective patient was already irritating me. Her nervous gaze finally landed on me again. "I, um–*HMK!* Oh! I-I'm sorry, I–*HIUK-UCK* I really should be goi—"

"What do I need to do to prove to you people that I'm a professional?!" I knew that "yelling at random women" was not the correct answer, but I was sick of people hovering outside of my hut or coming to meet me, then walking away when they found out I was all they were getting. "Dye my hair black? Age seventy years? Put a hex on anyone who comes within a mile of my house?!" It only occurred to me after I said that that it sounded like a threat, and the woman had taken a few steps back. I sighed and rubbed the bridge of my nose. "No. Sorry. I won't curse you. I'm not that kind of hag." As much as I was tempted to become one sometimes.

"I-It's not th–*ACK-ulp* th-that." She shook her head, then shook again with another hiccup, and with how scared she looked I was a bit surprised she hadn't lost them. "I'm so–*URK* sorry, I know that a ha–*UCK* hag's time is ve–*HURK* very imp–*UP* important." There were few things I could think of right now that were less important than my copious free time, but I knew that saying as much would be nothing but trouble should people ever actually start coming to me for help. "And you're o–*olk* only supposed to g---go to a ha–*ulk* hag for serious *HUP* problems—"

I sighed again. "No, you're only supposed to go to a hag for problems nobody else can solve. There are plenty of serious problems that I want nothing to do with and plenty of small problems I'm the best option for. I can't fix everything. Some problems are forever. But I won't know unless you tell me what it is."

"...oh. *OLP*." That seemed to calm her down a bit. "W-well, if, um–*HMK* if it's no–*HOK* not a bo---bother for you–*HIUK–ULK!*" That louder hiccup burst out of her, as did a few shimmery little bubbles that floated up from her mouth before popping in the air, each with a very audible little hiccup of its own. Her round cheeks were flushed and she covered her mouth with both hands. "...I ha–*UP* have the hiccups. *HMK* And they wo–*HOLK* won't go away. *HMK-mmp* And sometimes the–*IC-ULP*–p-puh!" She exhaled more bubbles which forced their way past her fingers, transforming into dozens of tiny ones rather than a handful of small ones to do so. "...they do that. *HMK*."

"Yyyyep. That's a hag problem." I bit my inner lip to make sure I didn't smile. It wouldn't behoove me to act happy about a patient's suffering, no matter how minor. "Come inside and sit on one of the chairs." I held open the door for her and she nodded before rushing in, looking around and finding her way to what was once my master's favorite squishy seat.

Speaking of my master, I nearly heard her screeching voice in my head: "Just because you think you know what it is doesn't mean you shouldn't check! More mistakes are made in assumption than ignorance!" The fact that she was wise didn't make her shrieks any less painful or her advice any less annoying, but I'd have been stupid not to listen to her because of that. "I have a theory what's causing this, but I'd like to give you an examination to be sure."

"O-of course! *HMNK!*" I switched from my smoky quartz glasses to my normal ones, then turned and started rooting through the previous hag's stuff. Even after months of living here alone, I still hadn't managed to sort out and fix her incomprehensible system of storing things. "Um, m–*HMP* may I ask fo–*URK* for your name? *HNK-lk!*"

"You may ask." After hearing a few hiccups behind me and getting a glimpse at her dumb, confused face, I felt bad enough to decide to elaborate. "But just because you can ask doesn't mean that I'll answer."

"...oh. *HMK*"

Well. She didn't need to sound quite so sad about it. I looked over my shoulder and saw her looking genuinely crestfallen before hiccuping out a large, singular bubble that popped noisily. When it did, she jumped, then caught my gaze and shrunk beneath it, making a small, apologetic gesture. "...but my master used to call me Caelfind. I suppose you can too."

She brightened up immediately and hiccuped a cluster of far smaller bubbles. "Oh! *HIP!* Thank you, Caelfi–*HNK*–ind! My name is—"

"Don't!" I turned around and held my hand out, and she froze, mouth still open around a bubble. I realized how dire I'd sounded, then did my best to relax and turn back to my search. "Don't go around telling unnaturally pale magic women in forests your name."

"...right! *HIK!*" I nearly laughed at just how surprised she sounded, and I heard her pound a fist into an open palm.

"If that's the sort of thing you have trouble remembering, I'm shocked you haven't been kidnapped by elves yet."

She chuckled weakly and I felt a bit bad for being so blunt. After a moment of uncomfortable near silence, she spoke again. "Maybe I ha–*UCK* have and nobody se---seemed to notice."

...I'd heard last words from lonesome old widows that sounded less sad than that.

It was none of my business. What was my business was the fact that this woman kept hiccuping bubbles in my hut. So when I finally got my hand on my master's ear trumpet, I forgot to stop myself from letting out a triumphant "HAH!" I also forgot to make what I was doing clear before storming back over to her and putting the trumpet to her chest, then bending over to listen to it. It was only after I heard her distressed squeak echo through her chest that it occurred to me what I'd just done. "Uh...sorry."

"N-no, no–*HEEP!* please!" She undid the top few buttons of her dress, and even though I'd seen naked people of all kinds come through here, there was still something in me that felt compelled to look away, especially at seeing the way her chest spasmed and bounced her heavy breasts. Her skin was significantly darker than mine, (as was everybody's) but it still seemed flushed, so I supposed at least I wasn't the only embarrassed one here. I put the horn to her chest again and listened carefully, hearing the way the muscles inside of her spasmed. Nothing unusual there. To my...frustration, I'd have to move lower, so I bent down and began pulling across her skin towards her stomach. She inhaled sharply and I decided not to try and interpret that. "Um, Cae–*EEP* Caelfind, can I a–*HUP* ask you so---somethi–*hnk*?"

"I probably can't stop you." The spasming leaps of her round belly and the gurgles and sloshes inside with each hiccup were more than distracting enough.

"Well, u–*HMP* um, why a–*URK* are you a hag?"

I scowled as I looked up at her. "Because the old one died. We've been over this."

"No no no, n–*hnk* not that!" She waved her hands placatingly, and I wondered exactly how intimidating I was coming across, given how much smaller than her I was. "I me–*HEEK* I mean...*hmk* why do you ne–*HEEK* need to be?"

I could feel my eyebrows furrowing and pulled my ear away from the horn. Dammit, I couldn't listen to her and her stomach at the same time and find what I was looking for. "'Need' to be?"

"W-well," her skin was flushed even more, and she wouldn't meet my eyes as she hiccuped a cluster of small bubbles. "I mean–*hnk* being a ha–*UCK* a hag is a job for a sp–*hip* spinster, right? But you're so–*olk* so young a–*hnk* and beautiful, so wh–*up* why couldn't y–*hnk* you get married? *HMK-mmp!*" I was staring. I probably shouldn't have been staring, but that was what I was doing anyway. And one of my hands had ended up resting on her belly, which kept bouncing beneath it, and that wasn't helping. She squirmed under my gaze. "I-I'm so–*hrk* sorry, should I n–*hnk* not have asked? *HEEK* People tell me that I *hmk* have a lot of que–*HNK* questions that nob–*up*–body cares abou–*uck* or needs to kn–*HNK* know the answer to and *HIUK* that I sho–*ULK* should just—"

"Shut up." I covered her mouth. She hiccuped. Tiny bubbles slipped between my fingers. "I can't listen properly if you keep talking."

"Oh." Her shoulders jolted silently and she looked away again. "S---sorry."

I leaned back down towards her belly, but I couldn't focus, and after a moment I sighed. "Just because the questions don't get answered doesn't mean you shouldn't ask them. It just means that whoever you ask isn't answering them. And when someone won't give you an answer, the most important thing you can do is figure out why."

She was (mostly) silent for a moment. "Why?" she asked.

"Yes, why they won't answer you."

"N–*hnk* no, I mean *hmp* I'm asking you." I looked up and saw her gazing down at me. "Why w–*ulk* won't you answer *HNK-lp*  my questions?"

After a long moment, I chuckled. "Well, I guess that's one way to gather information. For the most part, I won't answer them because I'm obstinate and ill-tempered. That was my master's way of saying I was a pain in her ass." She laughed too, a few hiccups and bubbles tangled up with them, and the way she smiled was...painful to look at. But it wasn't like focusing on her chest or stomach would be any better. "...but as for marriage, that wouldn't work for me. Whether or not I'm 'beautiful' is one matter," and my mind frankly wasn't even willing to try and acknowledge that opinion right now, "whether or not I'm fragile is another. I can't go outside in the sun without being burnt. My master taught me some ointments that can protect me, or at least reduce the burns, but there's very few wives I can imagine that need to spend less than an hour at a time in the sun."

"Oh." I didn't know what emotion I was hearing in her voice. I hoped it wasn't pity. I didn't particularly want to be a wife, and I didn't know what I'd do with pity for anything else. "...*hup* but you have a g–*hnk-lk* garden."

I turned towards her. "...and?"

"Doesn't that ne–*heek* need to be tend---ded?"

Huh. That was a more clever question than I'd anticipated. "I tend the gardens at night. The plants need sunlight and they need weeding and watering, but they don't need all of those things at the same time."

"I see! *HEEP*" Her smile was painfully cute. I had to remember that she was just a client like any other...albeit one of my first, and certainly the first to take me seriously. "Wait, *hup* then when do y–*hnk* you sleep?"

At this rate, I was never going to get this examination done, though in fairness to her, I was the one letting her get away with stalling me. Having to be that close to her spasming stomach was going to be a...charged experience, so I could deal with questions. And hers continued to be less inane than expected. "I sleep during the day. Unfortunately, that's also when clients come. Hence the very loud bell."

"Oh! No wo–*hup* wonder you've been gr–*hrk-lk* grouchy! I'm sorr–*EEP!*"

"Grouchy". That was a rather patronizing way to put it. Something offensive in me found it cute. "If I didn't want the clients I wouldn't have the bell." After a moment I sighed. "But yes, I would probably be a significantly more hospitable hag if you had visited me at night."

"I'll rem–*hmp* remember that for ne–*uck* next time!" Given that she'd apparently forgotten to not tell her name to magic women in huts, I doubted it, but the thought was nice at least.

And I should really have been dealing with this nice woman's problem and not letting her waste both of our time. Unlike myself, hers was probably of some value and better utilized elsewhere. "Now shut up, I need to listen to your stomach." She nodded and obligingly covered her mouth. No getting away from it now. I knelt down to get a better angle and undid more buttons of her dress before putting the bell of the trumpet against the apex of her belly, moving it around as I listened from the thin end. I could hear the muscles inside growling, the liquids sloshing, the echoes of the air in her lungs and the spasm of her diaphragm with every hiccup, the burbling and pulsing of—

Wait, there it was!

I forced myself to ignore everything else and stood back up, moving the horn a bit above her navel, and inside of her, I heard a bubbling and something like a high-pitched giggle. "Hah!" I pulled the horn away and clapped my hands before heading over to the pantry of herbs and powders. "It's exactly what I thought it was! Easy fix!"

"Re–*HEEP* really?" She sounded so elated...I was honestly glad to have my head in a pantry. Looking at her smile was becoming troublesome. "What i–*CUP* is it?"

"Just a mischievous spirit. I'll have you exorcised in—"

"EXORC---CIZED?!"

I stared back at her and saw that her face had gone pale enough to vaguely resemble mine. Her big brown eyes were wide with horror, and her half-naked body (why hadn't she buttoned back up, that wasn't helping!) was trembling. "Um...yes?"

Her eyes went even wider. "I-I'm sor–*EEP!* Please don't te–*HUP* tell anyone tha–*HUK* that I've been pos---posessed by de–*HEE*–mons! I swea–*URK* that I—"

"Whoa whoa whoa! Slow down! Who said anything about demons?"

She stared up at me, looking the tiniest bit less like she was panicking. She'd still shrunken back into my master's chair though. "You...*hnk* you said that y---you would exorcize me–*heep*–e-eee..." I noticed that the bubbles had reduced again. It seemed like they seemed to come less when she was stressed. Maybe she was unconsciously suppressing them.

"I mean...yes. That's the procedure."

A bit of the fear came back into her eyes. "S–*hop* so that me---eans I'm possessed *hnk* right?"

My nose wrinkled. "I, uh...I suppose technically, though that's not really communicating the right idea. Okay, wait, hang on, I think you're thinking about this wrong." I walked back over and crouched by the chair again, working on buttoning her dress back up since apparently she hadn't thought to do so. "It's like how you thought you only come to hags for serious problems. No, you only come to hags for unsolvable problems. Plenty of those are relatively small, and plenty of serious problems are perfectly solvable on your own. Maybe not to everyone's satisfaction, but they can be solved. Exorcisms are like hags. It's just a specific procedure for a specific problem that can be serious or can be relatively benign. This is one of the latter. And it's certainly not a 'demon'. You've been spending time around priests, haven't you?" She nodded slowly and I spat into the fireplace as I finished buttoning her dress again before stalking back over to my pantry. "Insufferable people. Spreading agitation everywhere because scared cattle can be cowed by barking dogs. This is why you come to a professional for these sorts of things, not some elderly godshound who thinks that literacy makes him smarter than everyone else."

"Y–*hnk* you're not lit---terate?" I couldn't help pulling back out of the pantry and glaring at her, and she waved her hands placatingly again, though at least she looked less terrified. "I-I don't be–*HEEP* believe that ma–*huk* makes me smarter than y---you or makes you le---less of a hag—"

"Wait, you are literate?"

She blinked at me. "Yes? Ev–*erk*–ryone in my vi---village is."

Honestly, I had no clue what to do with that. So I went back to the pantry and found the lemon extract powder and treated soda ash, then brought them over to the water I'd pumped last night and mixed some into a bottle before corking it. "It's simple, but it'll take a few hours to prepare."

She'd gotten up and was looking at me from across the room. "To prep–*hup* prepare holy wat–*urk*?"

I resisted rolling my eyes. "It's not holy water any more than soup is holy water. This is all the mixing I'll need to do, but I'm going to put it in the root for an hour or two." I opened the trapdoor and climbed down to the cellar to get to the icebox. A lot of the ice was melting. I was going to have to find a day to take another trip into town to get ice from the yakhchāl. That would be annoying. Sloughing through the rain was misery, and going out on cloudy or foggy days was never completely safe. "Closer to two, from the look of things."

The woman had ended up hovering by the cellar door and scrambled away when I climbed back up. "Doe–*uck* does it nee–*heep* need to be pu–*urk* purified?" She was hiccing up bubbles about every fifth spasm now, so it seemed like she was less anxious than the initial mention of an exorcism made her.

"No, it needs to be cooled while it's corked. That makes the bubbles inside of it form correctly. It makes it 'effervescent,' apparently."

She tilted her head at me. "A–*urk* are you an a–*hulk*–chemist?"

I couldn't help but laugh. "Absolutely not, no! Obnoxious intellectuals, all of them! Thinking that if you heat enough fluids you'll eventually find god in one of them."

"So y---you think they're li–*uck* like priests?"

Even though I shouldn't have, I scoffed at that. "No, of course not. Alchemists actually do something. All priests are good for is reading books and scaring people. Alchemists are a pain, but they're a useful pain. I still get deliveries once a month from one that lives in the city further out west. Never learned who they actually were, but apparently their deal with my master still stands, even after she's dead. Their apprentice is a chatty one." The woman sat back down and nodded, but her lips were pursed. "...so I don't have any books that you could read, but I suppose you could go for a walk or—"

"Wha–*uck* what's the dif---ference?" I blinked at her and she stared back at me. "Betw---between a h–*ic* hag and an a–*ulk*–chemist? You bo–*hulp* both make potions, r---right?"

I looked at her. She looked...weirdly comfortable in that chair. I'd never been able to figure out how to sit in it. Instead, I sat in the chair across from it, like I always had. It was harder. That suited me.

My master always said that our clients didn't need to know how we did what we did. She'd never discussed it with them; around them at best, and even then rarely. She preferred to tell me what to do, let me pick up information from it, then explain it afterward, or have me guess what exactly we'd been doing. Her clients never needed to know anything.

But then, her clients never actually asked.

"...well, for one, alchemists call their potions 'tinctures' or something ridiculous like that. But it does go a little deeper."

It was actually closer to three hours later when I went downstairs to get the bottle back. She was hiccing up bubbles nearly every time now, practically melted into my master's old chair with comfort, smiling wide and eyes shining as we'd talked. I'd only remembered what she was actually here for when a particularly large "*HIGGULP!*" forced a massive bubble out of her and had her resting her hand on her chest, at which point I ran downstairs and forgot to explain myself.

"Alright. So the potion should be ready now." I said as I climbed back up from the cellar. "The taste won't be the best, but it's perfectly safe to drink. I, um, could have added some herbs ahead of time, but—"

"No, no, that's pe–*URK* perfectly fine," she said, taking the glass bottle from me. After a second, she blinked. "Wait, *hnk* 'drink'?"

"...yes?"

"No–*hock* not apply an–*heep* anywhere?"

"It's a potion, not an ungent. The problem is inside of you, so it makes sense the solution would go there too."

"Right..." She looked...oddly skeptical. More so than she had at any point since she'd been here. "A–*hnk* and...then wh---at? What's the e–*huk*–xorcism?"

"Well, the potion should take care of most of it, but..." I had hoped to avoid bringing this up at all, knowing just how badly my unspeakably pale face hid any blushing, but after how many questions I'd answered, it would be more strange to stop now. "...but if that doesn't work, there are some abdominal pressure techniques I can use to help."

I couldn't read her face in response to that. She seemed very focused on the cold glass bottle she was holding. "Ho–*uck* how does wa–*urk* water that's no–*hup* not holy exorc---cise anythi–*ngk*?"

"Like I said, it's not a demon." I finally found a corkscrew from among my master's implements and stuck it into the cork. "The reaction that took place in the water—nnf, come now..." I flinched when she put her large, soft hand on top of mine, then pulled the cork I'd been struggling with almost effortlessly. As soon as she'd pulled it, the bottle opened with a loud pop, and bubbles formed inside of it. "...ah. Thank you. The reaction that took place infused the water with air."

"So we–*uck* we're go–*ingk* to sto–*hup* me from hiccuping bu–*hup*–bbles by...*hnk* adding more bu---bubbles?"

"More or less. It's displacement. If a tub has enough water in it, you can remove water by adding more water, and depending on the temperature or weight, you can eventually replace all of what was inside of it with something new. And these bubbles—" I tapped the glass of the bottle with my nail, "—should be less mischievous than the ones currently inside of you."

"I–*hilp* I see!" Her eyes were shining again. And that was doing unpleasant things to my heart and stomach. Speaking of unpleasant, when she started drinking, even from beneath her stiff dress, I could see her belly expanding slightly with each gulp. She drank it all down before I could tell her not to. It was honestly kind of impressive. When she pulled it away, before she could say or do anything else, her mouth opened with an "EEEUUUUUUURRRRGK! Oh! *HIULK!* Oh my go–*HOOK* goodness, excu–uuUUUUUuuuse me–*HEEK!*"

With every belch, lines of bubbles came up from her throat and floated into the air, and each hiccup brought large singular bubbles alongside. Rather than popping like those she'd hiccuped previously had, these hung in the air, gravitating towards one another. "It's fine, this is to be expected." Against my better judgment, I sat her up slightly so that I could pat her back as she rocked. Her hiccups and belches increased to the point that it was impossible for her to talk, and I could see her belly spasming and contracting a little smaller each time (to my...disappointment? How unprofessional.) Eventually, though, the belches brought up fewer and fewer bubbles and the hiccups stopped summoning them at all. A mass of bubbles floated unpopping at the ceiling of my hut, and I picked up my master's broom and swatted at them. "Alright, you've had your fun! Now get lost! Go on back to wherever you came from!" With enough encouragement, they eventually found their way to the chimney and went up along with the steam from my cauldron and smoke from the fire. "There. Exorcism completed...most likely. If it was a single air or water spirit, you shouldn't have any more bubbles in you, but if it was a colony, you might hiccup or burp a few more, but they shouldn't be interested in sticking around now that all their friends are gone.

The woman was staring up at the ceiling where the bubbles had been, covering her mouth now and muffling the rapid hiccups and short little burps that kept popping out of her. "Oh! *HIC!* Oh, I s–*HEEK* see n–*HUP* now! BORP–*HIK-ULK!* I tho–*HUK* thought the r–*HIP*–ver wat–*URK* was fu–*HUKKUP*–uuuurp funny today!"

"Yep. Sometimes spirits wind up in your food or water and you end up eating or drinking them. Normally it's harmless for everyone involved, but sometimes they like to have a laugh at the eater's expense." A split second later, the woman's stomach growled and gurgled noisily. I turned my head away so she wouldn't see my blush. "And speaking of eating, you've probably stayed longer than you intended to. Let me feed you, I always make more stew than I need."

We ate dinner together that night. Now that her hiccups were mundane, she seemed completely unbothered by them, and a bowl of stew was enough to chase them away, though a few singular hiccups brought up a bubble or two over the course of her meal. When she opened the door, the sun was going down, but I still switched rapidly to my quartz glasses. "Oh, I'm sorry, I forgot—"

"It's fine, but warn me next time." ...I said as if there would be a next time anytime soon. It wasn't as if people enjoyed visiting the local hag. "And if anyone else has that problem, send them to me. The same with other hag types of problems."

"Of course!" She smiled at me and my heart fluttered offensively. "Thank you, Caelfind!" And she waved as she ran off.

...I never actually got her name.

...that was fine. Hags didn't ask their patients' names. They didn't need them. I swept up the hairs and dust that the woman had shed and collected drops of the popped bubbles off of the ceiling, then bottled it all to use as reagents later. Anything left behind was my payment. She hadn't forgotten any coins or brought any food, but that was fine. Hags never expected more than reagents and grudging gratitude.

The sun kept setting and I started lighting candles and lanterns. It was going to be a tiring night.

It was after sundown the next day when I heard the bell outside ring. I'd slept the entire day, so I rushed to dress myself and get to the door. "Yes, I'm the hag, the old one—" My words stopped in my mouth, and they still would have even if they hadn't been interrupted by a noisy hiccup.

The woman from yesterday was in front of me again. She had a basket of bread and vegetables. And her round, brown cheeks were smiling, even while they flushed as bubbles hiccuped out of her. "Um, it, eh–*hip!* It seems I fo–*urk* forgot no–*hok* not to drink fr–*up* from the bu–*hup*–bly parts of th---of the river ag–*huk*–gain, Caelfi–*hnk*–ind." She giggled bashfully.

I blinked and stared at her. She had a bag on her hip. I recognized a stylus for a wax writing tablet sticking out of it. "...and yet you remembered what my master called me and remembered to come after dark."

She looked away. "Sh–*hup* should I no---not have?"

"...no. You clearly have a problem for a hag to solve. Now come inside."

How brightly she smiled at me practically burned like the sun. "Of c---course, tha–*HNK!* thank you! Now–*hup* I remember yest–*urk*–terday you sai–*hup* said you'd nee–*heep* need to go in–*hnk*–to town for i---ice soon. *HNKlp!*" Soon, bubbles were floating out of her with every hiccup as she talked at me about whether she might carve some new ice herself and deliver it to me tomorrow night. She also asked what other things in the town could be useful for me and started writing them down on her little wax tablet.

...I was going to have to think of something to call this woman, wasn't I?

As I mixed up more water, lemon extract, and treated soda ash, I also decided I should tell the alchemist's apprentice to increase the amount of those he brought me every month. I didn't think I could trust her not to "forget" about that river again. And selfishly, I didn't particularly want her to try and remember.

[tomionefinds]

Hello!

Any fic recommendations where Hermione is protective of all or some of Tom’s followers, and they have a good relationship with her?

Thank you

Hey Anon - These may fit your needs - Haus

Dying is a Delicate Moment by agariddle_andhernachos

M | WIP | 299k

Tom was now standing straight, looking right at her. He was supposed to be horrified by what he just witnessed. He was supposed to feel sick from the images still flashing through his mind. Tom knew she was manipulative and cunning, always a step ahead of everyone and sometimes even himself. Still, he felt like meeting her for the first time on this night for she was not a flame as he thought at the beginning but an entire wildfire. And he was basking in her blazing heat. He looked at the scar on her neck. He must have looked at it hundreds of times yet he truly saw it for the first time. The scar he knew she bore below her coat, the one the purple spell carved, the one he felt and bled through his shirt was right there. And he felt the sudden urge to touch it. She was standing in front of him in all of her glory and she was magnificent.

Nightmare by provocative_envy

E | Complete | 156k

A broken time turner shouldn't have sent me back so far. It was unprecedented. Stepping on it--smashing it--nothing should have happened. At most, I should have lost a week. At worst, I should have disappeared altogether. I shouldn't have traveled back fifty-two years; half a bloody century. This should not have happened.

A Big Ball of Wibbly Wobbly by Colubrina

M | Complete | 27k

The war is over, the good guys have won, and Hermione Granger goes to sleep in her lovely flat only to wake up in 1953 in the bed of someone she'd really much rather were dead. "I'm working on the 'kill Lord Voldemort now, work out the temporal paradox issues later' plan," she tells him. He laughs. Tomione. COMPLETE

(olk this next one may not be right on the money but it has a musical singing Abraxas and Hermione loves it so I'm taking it - Haus)

A Nose that can See by Colubrina

M | Complete | 21k

Hermione Granger has found herself inexplicably tossed back into time to Tom Riddle's Hogwarts. And he's a Veela and, wouldn't you know it, she's his mate. Could life get worse? But he seems to have an endless supply of out-of-season fruit so it can't be all bad, right? Tomione. Major character death, musical theater, and all that fruit. COMPLETE.

[eggkevinshouseaton]

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┌── ⋅🥚⋅ ──┐

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Busy busy day today and I'm barley scraping by by posting this, (Gotta stay daily y-olks!😉), but here you all go

I saw this somewhere, I genuinely do not know how to feel.

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