#PLEASE I NEED MY FIX IT FICA
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Heaven And Hell (Part One)
Eddie Munson x OC!Fem Fix It Fic
A/N: Here is my newest fic! I had this idea over the weekend and ended up writing 40 pages 🤷🏻♀️ It’s been a really long time since I’ve last put this much effort into a story so please enjoy! A share means the world ❤️
Warnings: Angst, references to past trauma (Upside Down)
Word Count: 3.5k
(Divider by @silkholland)
Steve’s crisp white sneakers squeak on the linoleum tile as he tosses the bags of chips from his arms into the shopping cart Robin is currently in charge of.
“Watch it, doofus! You’re gonna break all the chips before we even get back to the car.” Robin huffs out as she picks up a bag of Doritos to see if she can ‘feel’ any broken ones inside. She huffs before throwing them back on top of the rest of their products.
Steve ignores her and reaches for the back pocket of his jeans, finding the crumpled handwritten list of items to get for Robin’s birthday party. Nancy and Jonathan were in charge of the actual set up and decoration while Steve and Robin were in charge of food and drinks. It seemed like the easiest task but he and Robin had been crisscrossing around the local supermarket trying and failing to read Nancy’s chicken scratch writing of precise instructions. (Nancy had even gone as far as writing out the products in order of the aisles they were in but Robin and Steve never caught on; both of their eyes moving around the page too quickly to fully process.)
“Can you relax? Most chips come broken anyway, they factor that in with the price,” Steve’s eyes roam over the page, mentally ticking off what they already had in their cart (because they both forgot the pen in the car) so he misses Robin’s annoyed reaction. She leans over the rail of the cart, slapping him on the shoulder to get his attention again. “Don’t tell me to relax!” She points her pointer finger into his chest, ��I am the furthest thing from relaxed, Steve! By midnight tonight I will officially no longer be a teenager. Do you know what that means, Steve?”
Steve rolls his eyes, getting ready for the speech that he’s heard at least a hundred times within the last six months, “Yes I know what it means Rob—”
She quickly waves her hand around his face, effectively silencing him, “I don’t think you do, Steve! I will no longer be able to blame my naivete on being a teenager, I will no longer be able to continue getting the student discount at the movie theater because in certain lighting, I look younger than I am!” Robin continues her tyrant as she begins listing off the things she’ll no longer be able to do. Steve quickly takes control of the shopping cart, hoping she’ll eventually tire herself out (as she usually does) but at least he’ll be able to guide her a few aisles over where they forgot to pick up plastic cups.
“I have been playing it very carefully for those movie discounts. They're supposed to stop at 16 but I have been able to walk a very thin–,” She moves her pointer and thumb in front of Steve's face, pushing them together until there is barely any room left to further prove her point. “Very thin line these past few years.” Steve lightly knocks her hand away from his face as they pass an older woman who scowls at Robin’s yelling and Steve thinks the woman is about two minutes away from calling the manager over to kick them out.
“Yes, your long con of saving ten cents per movie ticket is now catching up to you–” Steve leans more of his weight on the car as he turns into another aisle, narrowly missing a display of cereal boxes.
“Do you know what Tiffany Braddock told me?” Steve begins tuning her out as he scans the aisle for the red plastic cups they need, the last item on their list.
“She said that everything was fine and dandy on April 21st and then–” Robin claps her hands together loudly causing Steve to jump a bit. “Boom! Morning of April 22nd, her twentieth birthday, wakes up with appendicitis.” Steve spots the cups towards the middle of the aisle and picks up his pace a bit as Robin continues, “Doctor said she could have died if she had waited any longer! It’s as if her entire body just shut down at the strike of midnight. And how do we know that’s not gonna happen to me? She was at least athletic in school! As for me, I think we are all well aware of how unathletic I am. It’s almost as if I was bred not to be in sports. My mom always said it was because of my weak ankles but it has to do with my equilibrium or something. There has to be some medical explanation for how uncoordinated I am.”
Steve decides to get the 100 pack instead of the 50 because it’s better to have more cups than less, especially since he had seen the invite list Nancy had put together and she had nearly invited every person Robin has ever even interacted with. She may not have been the most popular in high school, but once Robin got into the local community college and started attending classes that she was actually interested in, it seemed as if people just flocked to her. Steve could admit that sometimes he was a bit jealous about how easily she could talk to people, just going up to somebody random to compliment their shirt and then ending up being invited to their cousin’s wedding two weeks later (true story). Steve liked Robin’s new friends, they were quirky and loud and laughed at all of Robin’s lame jokes, but most importantly, they loved and appreciated her for who she was and that’s really all that Steve could ask for for her.
Steve starts humming along to the Cat Stevens song playing over the market speakers when he realizes he hasn’t been able to hear any of the music since they first walked into the store due to Robin’s constant stream of words. His eyebrows furrow together, as he looks to his right where Robin stood only a second ago.
“Rob?” He calls out her name before seeing a quick flash of her striped shirt as she turns out of the aisle. He swears her mind is always going a mile a minute but sometimes she’s even worse than Henderson, disappearing in the middle of a conversation to pet a dog or something.
“Robin!” He ushers the cart into the direction he saw her leave in, the cart now significantly heavier than it was 10 minutes ago. He quickly spots her in the next aisle, hugging some random woman in front of the cereal section.
“Jesus Christ, we do not have time for this.” Steve whispers under his breath. Leave it up to Robin to make friends within the 10 seconds he lost eyes on her. He pulls his cart up next to Robin and the mystery woman, “Hey Rob, we really have to get going now.”
“Steve, look who it is!” Robin takes a step away from the woman, letting Steve finally take in who exactly was standing in front of him. His breath catches in his throat as he takes in the woman in front of him who he hasn’t seen in four years.
“Noah! Holy shit!” He doesn’t realize just how loud he is as he throws his arms around his old friend. Her hair is shorter now but she still smells like the sweet vanilla shampoo he had recommended to her all those years ago. He can feel her squeezing him back, God he had missed her hugs, he had missed her, they all had.
He pulls away too soon for his liking but he already has a million questions on the tip of his tongue, “What are you doing here? Are you back for good? Did you graduate yet?” He leaves his hands on her shoulders as he takes a step back to get a better look at her. “You look great! Henderson is gonna freak out when he sees you! Did you tell him you were coming back? Holy shit!” Noah smiles back at him with her signature wide grin, dimples peeking out slightly while her cheeks coat with the slightest pink hue as she takes in her rambling friend.
“Steve,” She giggles out, “Please take a breath, I don’t need you passing out in front of the Coco Puffs.” He lets go of her to turn to Robin, whose face mimics his as he points to their mutual friend in front of him with a ‘can you believe this’ look on his face. Robin laughs and mouths back ‘I know!���
“You have to come to Robin’s birthday tonight! It’s at my house. She’s turning twenty and everybody’s back in town for it! Nancy is gonna freak out when she sees you and oh man don’t even get me started on Eddie–” Her smile falters just the slightest bit, and anybody else might not have noticed but Steve sees it right away, after everything they had been through together, he can read her like a book. He sees a small hand holding on to her worn out jean jacket, he hadn’t even noticed that someone else was with her.
“Mama?” Noah quickly steps aside, revealing to Steve the tiny human she had unintentionally been blocking from him. In the front of her cart, in the child's seat, sits a little girl wearing an outrageous outfit of bright red and white polka dot leggings and green flannel shirt that looks two times too big for her. Her brown hair sits messily on the top of her head in a wild bun with curls sticking out all over. Her big eyes look over Steve, before they look back at Noah, leaning closer towards her arm.
“Whoa.” he hears Robin whisper out behind him and he’s almost a hundred percent sure she didn’t mean to say that outloud.
“I–” Noah begins towards Steve but stops herself looking back at the small child, “Baby, these are mommy’s friends from school.” The little girl looks up at Noah and Steve can’t believe just how similar they look; he understands genetics and all but she is literally a spitting image.
“This is Robin and Steve.” Him and Robin both respond silently with a small wave, neither of them really knowing how to interact with a child this young.
“Hi.” “Hello child.” Steve gives Robin a look over his shoulder as she just shrugs back. Noah laughs it off, knowing that all of this was quite the surprise but she really wasn’t expecting to run into anyone this quickly. She had only been back in Hawkins for less than 24 hours. She had rehearsed everything she was going to say in the long car ride back to Indiana, Scarlett mostly sleeping or singing quietly to herself in the back seat, but she thought she would have more time. Time to seek out her old friends and then drop this bombshell on them.
“Guys, this is my daughter, Scarlett.” The child’s gaze looks over Steve and Robin quickly, seemingly assessing them and Steve feels like he’s being judged for every bad decision he’s ever made in his life.
“Wow,” Robin clears her throat before continuing, “So are-are you like married now or something?” Steve automatically looks down at Noah’s hand, she always wore a lot of rings, and it seems her style hasn’t changed that much but the rings have. He looks towards her left hand, where he sees a ring he recognizes.
It instantly takes him back to 1986. To the Upside Down.
He remembers staring at those rings as she tightly held on to his nail bat that he had let her borrow when going after Vecna. He remembers them shining in the moonlight of the eerie dimension as she held pressure down on Eddie’s wounds. Her tears streamed across her dirty face as she shouted at the metalhead who was going in and out of consciousness. Steve has to physically shake his head for the thoughts to disappear.
As if she can feel his gaze, Noah holds left hand with her right hand, blocking Steve’s gaze at the ring. She clears her throat, causing him to make eye contact with her again, “Uh, no. No, just me and Scar.”
The silence is deafening between them as the cheery beats of a Van Morrison song play overhead. It breaks Steve’s heart at how much has changed, he had fought against every nightmare you can think of with Noah, and now he felt as if she was a stranger, because in many ways she had become one.
“That’s awesome!” Robin says a little too loudly, “Are you visiting Pops?” Robin refers to Noah’s grandfather, the only one of her family to have stayed back in Hawkins after the Vecna situation.
Pops ran the only record store in Hawkins (promptly named ‘Top of the Pops’) and was a stubborn son of a bitch. Steve remembers Pops telling him it would take more than an earthquake to get him out of Hawkins.
Noah’s parents had felt differently, selling their house soon after and to everyone’s surprise (and shock), Alice had followed them to New York to stay with family and finally start college in the city. All the Hawkins gang had tried their best to stay in touch with her; it started out with phone calls every night, then the occasional letter, but life soon got in the way for all of them.
The town was rebuilding, Hopper, El, and the Byers had moved back to town. Nancy and Jonathan moved away to Boston. Even Steve himself started taking night courses at Indiana State. But he still remembers those first few weeks when she had left. No one was expecting it, they all assumed she would just move in with Pops, or she and Eddie would get a place together (everyone knew they were destined to be together). But when Eddie had shown up at Steve’s door step, less than two months after defeating Vecna, all of their wounds (both inside and out) still healing, Steve will never forget the look of utter defeat on Eddie’s face.
He and the metal head quickly became friends after March of 1986. Apparently battling monsters in a different dimension will do that to people. If anyone had told high school Steve he would be best friends with the town freak who was accused (and acquitted!) of murder, he would’ve thought they were smoking some of Eddie’s stash. They soon become the brother that neither of them wanted but both of them needed.
Eddie was utterly heartbroken when Noah left, and from the little he told Steve, Eddie had even insisted on going with her, starting a new life away from Hawkins like they always dreamed of, but she had turned him down.
Eddie was never the same after the events of the Upside Down, none of them ever were. They all now carried scars, visible and mentally, that had bonded them for life. But the whole group was torn up after Noah left, because after all they had survived and endured together, she still decided to leave them behind.
Steve remembers when Noah told them, after she had left Eddie’s place, sat everybody down together in the Wheeler’s basement. Steve was furious, Robin had cried, Max had yelled, and Nancy and Henderson had yelled above the rest trying to keep some sort of peace amongst the group. After many, many tears, hugs, and promises, Noah drove off to her new life.
But she was back now. Standing at the Main Street Supermarket back in her hometown of Indiana in front of him and Robin with a child of her own.
“Uh, yeah,” Noah begins to twist the rings on her fingers back and forth, a habit she always had when she was nervous, “Pops fell and broke his leg while doing inventory at the store last week.”
“Oh my god! You should’ve called us! We would’ve checked in on him.” Robin grabs for Noah’s hand, squeezing it lovingly before looking over to Steve, seemingly waiting for him to agree with her.
He clears his throat, “Um, yeah. We definitely would’ve helped him out and brought groceries or whatever.”
“I couldn’t ask you guys to do that.”
Robin seems genuinely confused, “Why not?”
“Because he’s my family,” Noah responds before Steve corrects her, “You’re our family.”
Noah looks away and starts blinking her eyes in quick succession, “Well maybe I just needed an excuse to come back then...” Her voice cracks slightly as a forced smile graces her face but Steve can see there’s so much more behind it. He has so many things he wants to ask her; why did you leave? Why didn’t you ever come visit? What happened while you were away?
“Please come to my birthday tonight!” Robin bounces on the toes of her feet slightly as she quickly tries to change the conversation, “Everyone will be there and I’m sure they will all be so surprised to see you!”
“Oh, I don’t know, Rob–”
“Please! You’ve been gone for so long and this will be my last official night as a teenager!” Noah looks over at Steve who just shrugs in response, they both know that Robin usually has a way of getting what she wants.
Noah turns to Scarlett, brushing an unruly curl away from the little girl's face, “I’d have to ask Pops to babysit…”
“Yes!” Robin claps her hands together, bouncing up and down slightly, “Everyone is coming over Harrington’s at 8. Same address so don’t say you got lost on the way over.” Robin winks and envelopes Noah in another bone crushing hug. Once she releases Noah out of her grip, she leans over the cart to come face to face with Scarlett, “And it was a pleasure meeting you, little one.” She sticks out her hand to shake and Steve can’t hold in his laugh at the utterly confused face Scarlett shoots back at her.
“Scar, baby, we talked about this.” Noah bends slightly to get eye level with her daughter, “You say ‘thank you, Miss Robin!’” The look on Scarlett’s face remains and Steve can instantly tell the toddler is just as stubborn as her mother, and even comes with the same facial expressions. Noah turns back to Steve and Robin, “As you can see, we’re still working on our manners. But, uh, you sure I won’t be like a nuisance or anything?”
“What?! Fuck that! It’s my party and I want you there!” Noah’s eyes grow at Robin’s outburst. A wide grin comes over the little girl in the shopping cart, “She cust-ed, Mommy! Quarter, please!” She sticks out her little hand and laughs, seemingly pleased with how this is all playing out.
“Dam-Dang it, Robin!” Noah reaches into the pocket of her jean jacket and pulls out a bag of quarters, handing one to the little girl who gleefully squeals and puts it into the pocket on her shirt.
“We’re trying to learn not to use curse words so much because somebody,” Noah side eyes Scarlett who again just giggles at her mother, “Thinks it’s funny to repeat the things mommy says at home to their friends at daycare.” Scarlett’s hands flew to her face in a lame attempt at covering herself as she broke out into hysterics.
Robin bursts out laughing at the toddler's displays, and Steve can’t help but follow along.
“Yes, ha ha. Mommy loved meeting with your teachers about that one.” Noah tickles Scarlett’s sides causing the toddler to let out a little screech of laughter. The loud speaker crackles around them to announce a clean up on aisle three. Noah looks down at her watch, “I’m sorry guys, but we’ve really got to get going.”
“Oh yeah of course!” Robin grabs her hand again, “I’ll see you tonight, right?” Noah pauses for a split second, and Steve can see a flash of fear come over her features before she straightens up and nods her head, “Of course, we have so much to catch up on!”
“You’re telling me!” Robin shakes her head towards Scarlett who is now distracted by the bird on the Fruit Loops box. Noah sniggers, “It was great seeing you both. I’ll probably be a little later tonight because of bedtime and all.”
“Right, that’s no problem, you know where to find us!”
Noah’s eyes fall down to the tip of her well loved leather boots, she opens her mouth to ask something but stops herself instead, leaning into Steve for another hug. Steve wants to ask her if she’s alright, or question her about what she was going to say but she speaks up first as she pulls away from him, “See you later, Harrington.”
Him and Robin watch her and Scarlett head off into another aisle as they walk in silence towards the cash registers. They don’t say much to each other as they are both replaying the conversation in their heads.
It isn’t until they get to Steve’s car that Robin asks the big question, “So, do you think Eddie knows?”
Steve looks at Robin, visibly confused, “That Noah is back? Probably not. She said she just came back yesterday.” Steve goes to grab another few bags from the cart, fitting them into his trunk like a giant game of tetris.
“No, idiot. Do you think Eddie knows about his kid?” Steve drops the bags in his hands and watches as they tumble out of the paper bag and onto the concrete.
#I hope y'all enjoy!! please share if you like 🥺#Eddie munson#Eddie munson fanfic#Eddie munson fanfiction#Eddie munson one shot#Eddie munson smut#Eddie munson fluff#Eddie munson blurb#Eddie munson x fem!reader#Eddie munson x reader#Eddie munson x oc#stranger things fanfic#stranger things fanfiction#stranger things one shot#steddie#Steve harrington#robin buckley#stranger things 4#st4#stranger things#Joseph quinn#Joe quinn#Joseph Quinn one shot#Joseph Quinn fanfic
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Napule Nights - quarantacinque
Elana and I have been planning this for ages, I still hope y’all don’t cancel me! x
- chapter navigation -
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For a moment, the only thing surrounding him was darkness, everything within him, his mind a blur of thoughts as if they were pressed underwater, as if he was pressed underwater, until he realised he couldn't breathe, his thoughts cleared and the source of heavy weight became a hand at the back of his neck, a firm grip, not restricting his breathing by squeezing his throat, but by holding him down in cold, dark water.
The sting when his eyes flew open allowed the veil of darkness and confusion to ultimately lift from his mind, brought the feeling back to his limbs and allowed him to take control and try to struggle – to not avail. It took him mere seconds to comprehend that his hands were tried down to what seemed to be the armrests of a chair, left him helpless as he tried to hold his breath, to not allow too much water into his airways, desperately trying to throw his head back and out of the water, to startle whoever was holding him down somehow, his fingers shaking the more it dawned on him that there was no escaping, his thoughts once again beginning to blur as his struggle ceased completely out of force rather than choice.
And then his head was pulled back, the grip firm and forceful until it finally let go. Alex coughed, spluttering and gasping for air as he blinked the water from his eyes, the room he found himself in not much lighter than the inside of the container of water in front of him had been, and even without his sight, he would have been able to put names to the men in front of him with ease. The second stepped into sight with a satisfied grin, stretching his fingers after having held Alex down for so long.
“Welcome, Turner.”
Alex's gaze darkened as he tried his hardest to swallow the embarrassment, disregard the position he'd been put into, by who he'd been put into it, his expression resembling one that never faded when he sat at the far end of the table at a meeting in his own headquarters. “Vai all'inferno.” His voice was husky, his throat dry, but it was loud enough for them to hear, for them to know that he was not going to play their game.
“Do you really think you're in a position where you can make demands?” Alfonso asked, a simple gesture with his hand signaling for Mancini to step back, to let him take the lead. “Another minute underwater and you wouldn't be speaking to me right now.”
Alex chuckled darkly, shaking his head as his lips curled into a bitter smile. “Grazie, Alfonso” he said. “Fank yeh for not drownin' meh, yeh're too kind.”
“Turner-...”
“I mean, comes as a surprise though, dunnit? Takin' yehr enemeh in teh kill 'im? Go on then.”
Without a word from either of the men opposite him, Mancini stepped behind him again, his hand slowly wrapping around the back of his neck, yet this time tumbling back slightly when Alex pushed his head back. “Dun't touch meh again, yeh fookin' bastard.”
“Alfonso?” Mancini asked, merely waiting for the command to push Alex's head underwater again.
Alfonso shook his head. “I want to hear what he's got to say.”
“I'm not tellin' yeh shit. Pezzo di merda. But yeh alreadeh kno' tha', dun't yeh? Didn't kill meh, sorprendente, because yeh fink I'm gunna tell yeh summat. But tha's not meh, fica, tha's yeh and yehr vile little traditrice, eh?”
In that moment, it was like his heart, his chest became as cold as the water that was still running down his face, soaking his hair. It wasn't just Adriana that was a traitor. And as he looked back into Alfonso's eyes, stared defiantly, he grew more and more aware that once again he had corrupted, taken the only thing Alex had ever wanted, strategically, had over the years grown to know his enemy so well, just as well as Alexander knew him, knew his weaknesses and for a moment, he wondered if things could have been different had he not gotten up on his high horse and walked out of the meeting with Mancini, but it wouldn't have changed Jade betraying him, but maybe, just maybe, he would have been able to deal with the situation properly, the relationship could have been different.
-
For the next few hours, sleep was out of the question. It wasn't like she didn't try, tried to sleep as well as convince Helders to let her out of the apartment, to let her talk to somebody, do other members of security, Serena, Alexander's parents. Her thoughts were running, revolving around the same two things, a vicious cycle she couldn't escape.
She wondered if things would have been different had Alexander found out about what she'd told Alfonso a few minutes earlier, if he had stopped prioritising her, if he'd have taken Helders with him, if Helders would have had the means to bring him back home safely instead of staying with her when she didn't need and Alexander's eyes didn't deserve his protection. She'd tried to convince Helders, had told him everything she'd told Alfonso and Alexander, told him with her voice shaking what he'd said to her, that it didn't matter protecting her, not to him, not to her herself, but he insisted on his orders, remained unfazed, then after her third attempt of coaxing him to let her out, had left her inside the apartment and positioned himself outside instead.
In her mind, she was already a million steps ahead, was putting together the men Alexander had put together to bring her back when she'd been taken, she tried to remember details about where she'd been held but it'd blurred in her mind, she'd tried her hardest to forget, had been so confined to the room and what had happened there that the memories carried nothing she wanted to hold on to. She tried to figure out what Alexander's protocol would entail, what else he would have set in motion to keep her from putting herself in danger, felt guilty now not because of what she'd said, but because she unrightfully was still top priority in whatever protocol he'd put in place, when it was most important to get him now.
She swallowed hard, blinking when the first beams of sun tickled her face as she turned onto her side, realising the night had passed, the sun was rising and she hadn't gotten a second of sleep. It felt strange being in Alexander's bed without him, the sofa even more so, and she rose from the position she'd been in for way too long, exchanged her simple lace thong for a set of bright blue lingerie, fixing her make-up in the mirror she passed on her way to the door, brushing her hair down and smoothing it with her fingers before she knocked on the apartment door.
“Yeh're not gunna fookin' go anehwhere, Jade” Helders called from the outside. “'s wha' Turner ordered, I fookin' told yeh.”
“I just want to ask you something” she said, her voice now much calmer, yet pleading, hopeful, her heart skipping a beat when he door clicked and she stepped back, looking at Helders with wide eyes, smirking triumphantly when she saw a flicker of change on his face, even though it was just for a moment. There was something to work with. “Can I have my gun back?” She asked, licking her lips before pushing her lower lip forward in a sultry pout, her eyes half-lidded as she looked back at him.
“Yeh dun't need it” Helders stated firmly, shaking his head, his eyes resting on hers exclusively.
She sighed, reaching out to smooth down the material of his suit jacket, toying with the buttons. “Please” she whispered. “I need to defend myself.”
“Jade” he snapped, stepping back slightly. “Yeh're not gunna fookin' distract meh. Turner told meh yeh'd do this if weh ever came teh deal wif a situation like this. 'e knew yeh'd put yehrself in danger tryin' teh 'elp.”
She pressed her lips together, tried to replace the pain with confidence, she needed to push through. “He doesn't care about me” she said quietly. “It doesn't matter if I'm in danger. Not to him, not to me. Not right now. Give me my gun so I can be of use.”
“I'll protect yeh, Jade, yeh dun't need it” he countered, his eyes wide, watchful. “Get back inside, yeh're not gunna distract meh or seduce meh some'ow like yeh do 'im.”
“Are you sure?” She asked, stepping forward again, so close that their bodies were hardly touching. She just needed to keep him distracted long enough to take back her weapon, to get past him and then past the guards downstairs, although maybe she could fool them. She just had to do something.
“Rivera, I'm married” Helders stated, unimpressed even by her best efforts. “I'm also a professional. D'yeh realleh fink I'm Turner's 'ead of securiteh for nothin'?”
Jade sighed, stepping back slowly. “I refuse to sit around and do nothing. And I will do whatever it takes to get him back.” Her face within a split second went from vulnerable, hopeful to firm, self-assured. She was not going to let anybody stop her, not Turner's protocols, not his head of security. “Not when he's in danger. They're going to kill him.”
Helders sighed, licking his lips. “They need him alive” he stated. “They shot themselves in the foot kidnappin' 'im like this. Fookin' reckless, they're desperate. It's the worst move they could 'ave possibleh made. I assure yeh, 'e's alreadeh got a plan. He's probableh laughing about it reyht now.”
“What exactly is the protocol?” She asked, discarding his words as a cheap attempt to get her to leave him alone, to undermine her resistance.
Helders sighed. “We don't act until tomorrow. 'e's got plans for this kind of situation and weh'll carreh them out exactleh as 'e wants. He'll be back 'ere in no time.”
“Tomorrow?” She gasped, her voice rising in pitch. “He could be dead by then!”
He shook his head, slowly drawing the door to shut it again. “Get sum sleep.”
She pressed her lips together, tears of frustration, sheer helplessness pearling down her cheeks until she stepped back to avoid the embarrassment, kicking the door so hard that her heel broke under the impact and she kicked off her shoes, running her fingers through her hair before looking around the apartment helplessly until she retreated to the bed.
-
Alex came up from the water with a smile each time, coughing but smiling, amused that anyone thought he would betray his own family and everything he stood for, grace questions with answers of a nature of secrecy that had been passed down through the history of his business. It wasn't the first time he'd been in a situation like this, it didn't set him apart from his ancestors either, and none of them had ever betrayed the Turner name.
Each time the water flooded his airways, had him struggling to breathe, he knew he would come back up to face another question and when Mancini got tired of being knocked back, of his hand cramping to hold Alexander in place, switching with several henchmen, he was finally left alone. Alone to think about what he'd done, what Jade had done. It was out of the question, there was nothing to debate with himself when it came to answering the enemy's questions. What demanded to be thought about, to be dealt with against all his forceful attempts to push it to the back of his head was the betrayal he'd never thought possible.
But it was undoubtedly intertwined with the embarrassment he felt with Alfonso having the upper hand, or at least thinking he did because no matter how helpless he'd rendered Alex, his move had still been incredibly reckless and Alex was certain he would return the headquarters, already hating the prospect of having to deal with the situation that embarrassed him more than anything else even with Alfonso nowhere near him. He knew that if anything, Jade was no threat with Matthew guarding her, no matter if it was to protect her, she would one way or another be isolated. He'd made sure of that, even if his intentions, his feelings had been different then.
The realisation hit him once again that he would return to an empty apartment, an empty bed, that there was no way he would share it with anyone again, that no matter how hard he tried to let go of the past, it always came back to haunt him, like a slap that said he should have known better, I told you so, that in the end, he could rely on nobody but himself and his experiences, what he knew best.
The fact that she'd lied all this time, had slept in his bed and acted, had made a fool of him and all with Alfonso being the driving force behind it, it had him thrashing in his restraints to get free, to choke Alfonso personally for ever taking her, when really he knew that no one was at fault but he himself, for trusting her, for letting her in, for thinking she was different.
It was like he'd been set back, right to the moment in which Adriana had betrayed him, had left him physically scared as well as mentally as a result and he couldn't help but be afraid of himself now, did not trust even himself as he realised he'd broken the promise he'd made to himself, to never let anyone that close again, never close enough to hurt him the way Adriana had and yet, here he was, broken once more, with everyone except for him having known better and he now didn't even have the truth on his side to justify his defence.
He knew that coming back, he would have to face everyone he'd ever trusted, everyone that had told him what was best for him, admit that he'd been right. Serena and Miles, they'd told him all along, his father, his mother, would he ever inherit the business now? Even if he didn't, he felt no spite, knew it was justified because after all, he was just as angry at himself, so how could anyone else ever take him seriously again when his decisions clearly could not be trusted?
The drier his throat became, the more prominent became the desperate craving he had for a cigarette, wanted nothing more than to just sit at the bar in his club and smoke, a glass of whisky, Miles by his side to tell him that he really hadn't made that big of a mistake, or that he'd misunderstood something, that everything was different, really wasn't they way she said, not what it seems.
Not even twenty-four hours had passed since he'd promised Jade that everything would be okay, that they'd be on top of the world. He squeezed his eyes shut, his anger once again rising as he realised how much of a fool she'd made of him, how much more than him she'd known, had played right into his trust, his naivety. He doubted now that he'd ever feel that way again, the way he'd felt when his trust and his love for her had peaked, only to be crushed and lit on fire.
-
Jade tossed and turned and when she opened her eyes searched for something beside her until she was blinded by the light above her, wondered why outside it was dark, felt out of place, out of touch with time for a moment until all the memories came back to her, she'd wasted time, she'd slept all day and she heard a loud click from the door, shot up straight with a shred of hope still left within her than it'd all been just a dream but instead of Alexander, Kane entered the apartment, didn't stop when their eyes locked, only coming to stand at the end of the bed, crossing his arms in front of his chest, his bicep straining the tight material of his yellow and blue zebra striped shirt, the top buttons undone to contrast his tanned skin.
“Tell meh wha' 'appened” he demanded. “I wanna 'ear it from you.”
Her eyes widened and she went quickly to rise from the bed, a newfound hope sparked inside her when she saw him. “Kane, you have to tell Helders to let me go to the headquarters, to get Alex back.”
“Jade, I'm not doin' fook all until ya tell meh wha' ya did.”
He watched the hope fading slowly from her face, her smooth features falling. “Miles, I didn't betray him” she whispered. “Not the way she did.”
He gave a nod towards her. “I'm listenin'.”
She walked closer to him, biting her lip. “Alfonso and Adriana, they threatened to kill Alex. They said if I didn't give them something, they'd kill him.” Her voice was trembling, but once again she forced herself to push through, her own pain of rejection was far less important now. “And I started talking, I told them about the alliances in San Marino that Alex made, they specifically asked for that. Before they could continue, Helders broke down the door and he got me out of there. It's all I said, all I would have said. I wanted to stall them. But I knew that if I told Alex that … that they'd know he'd taken precautions so my information would be useless to them.”
“And have 'im walk into a trap?”
She pressed her lips together, looking back at him with wide eyes. “I couldn't risk it” she sighed, her voice merely a hint. “He would have died as soon as he'd have made a move against them.”
Miles watched her closely, could see her eyes blurring with tears, her eyes not nearly as bright and shiny as the stone around her neck and he swallowed, could tell she was getting genuinely upset in a way she hated to show but reminded him so much of Alex.
“I just wanted to protect him, Kane, I just … you have to help me or it'll all have been for nothing now … I didn't want to help them, it's not because they hurt me, I just ... I just wanted Alexander to be safe...”
He licked his lips, stepping forward and wrapping his arms around her with one swift move, pulling her body against his and hugging her tightly. “None of us ever kno' wha' they're capable of.”
She sniffed, quickly blinked her tears away in an attempt to compose herself but couldn't help it when she sank into Miles' arms, wrapped her own around him and held on to him, just for a moment the warmth and dulled out the pain with someone believing her, him in particular because he finally trusted her but instantly she was reminded that Alexander would have had just as much reason to, wished he would have, at least before he left so he wouldn't die thinking she wasn't out there fighting for him, missing him, waiting for him.
Miles drew back, cupping her face and brushing her hair behind her ears. “I brought us sumfin', bella.”
“Oh, thank fuck” she said when she saw him draw out a shiny bottle of vodka. “Alexander has all his liquor locked away.”
Miles flashed her a grin. “I kno'.”
An hour had barely passed when they were sat on the bed with the bottle almost empty. “You've got to listen to my plans now” she slurred, looking up at him hopefully, her eyes wide, glistening with determination now. “We need to-...”
“Bella, I told ya” he sighed. “Maffew told ya.”
“You don't think you could persuade him to let me go to try and figure something out? He can be there the whole time to make sure I'm not working against them, you can be there, I … fuck, I just want him to come back.”
“It don't sound like 'e wants ya back, bella, from wha' you said. From wha' Maffew told me.”
“That's not what I'm talking about, Kane. I want him to come back, to be safe. You heard the bitch, she said Alfonso would end it all with force, he said to me that they want to kill him when they held me there. We can't sit here and wait! Kane, fuck, please!”
“Bella” he sighed again. “Al's put rules in place for this sorta fing. 'e dun't want anehbodeh in the famileh teh risk anehfin' because of 'im. We 'ave teh follow 'is rules. There'll be a meetin' tomorrow and if ya get invited, ya get invited. If ya dun't, ya dun't.”
“You'll be invited” she said, blinking quickly, her eyelids heavy. “Kane, please, I can't be on my own and sit and wait. I can't. I refuse.”
“Wha're ya gunna do?” He asked. “Maffew took your gun.”
She looked at him with wide eyes, knew that as of now she was helpless, had not figured out how to get past Helders, and knew that she would be able to do much more, couldn't think in a very strategic way with the vodka getting to her head, knew there was no way to manage it on her own and without backup, so knew that it would be more effective if she just worked with everyone else and their efforts to get Alexander. “Please.”
Miles sighed, letting his shoulders slump and raking his fingers through his hair before letting himself fall back on the bed. “I'll try me best, bella.”
She pressed her lips together, copying his movement and holding her breath momentarily when the room started to spin as soon as she laid down.
“Promise me.”
She turned her head, looking over at him in confusion. “Promise you what?” She slurred.
“That ya're gunna follow 'is rules. 'e will, and weh're gunna sabotage tha' if weh don't. 'e knows wha' teh do in cases like that. You didn't when you was taken, so fings were different.”
Jade swallowed, pressing her lips together. “I promise” she said. “If you promise to get me into that meeting tomorrow.”
Miles extended his arm to her clumsily and pulled her in, biting his lower lip when he already saw her lip trembling again, yet her eyes darkening with determination and he wrapped his arm around her too soothe her, relaxing when she rested her head on his shoulder and the tension slowly left her body.
-
Alex didn't know how much time had passed when the door flew open and he flinched, his eyes snapping open and sucking in a breath when he saw Mancini enter, Adriana following, smirking when he started thrashing, squirming under his restraints in the chair. “Wha' is sheh doin' 'ere?” He asked.
“Oh, I'm here to take off your clothes” she smiled, pushing the door open behind herself to let in two more henchmen that as soon as Mancini loosened the restraints gripped Alexander's arms, leaving him powerless even as he struggled when Adriana slowly pushed down the sleeves of his jacket, the triumphant smile on her face as she started unbuttoning his shirt forcing him to shut his eyes to not look at her, to not be reminded of her, of Jade, of anything, to just let it happen, unable to even kick his legs and before he knew it, he was pushed back down in the chair, his arms once again secured as he sat with his arms and shoulders exposed, merely a white vest covering his chest, his eyes widening when Adriana stepped back and the henchmen left the room, Mancini stepping forward with his fingers wrapped around the handle of what seemed to be a metal tool.
The edge he could see was cut out carefully and when he came closer, Alexander realised why they'd taken his clothes off, not solely for Adriana to weaken his mind, distract him with the memories he hated to still possess, but to brand him and he squinted, was able to make out the back-to-front lettering at the end of what he assumed was hot iron.
Pompinaro.
“Dun't yeh fookin' dare...” Alex growled through gritted teeth, once again trying to squirm away from Mancini but it was hopeless, his heart pounding as he realised how hopeless he was, that no matter how long he'd be here, there was no way out of this now, that they were as well aware of that as him, that they would make it count this time. “Dun't...” He threw his head to the side to flick the loose strands of hair to the side that had fallen over his forehead, so he could keep a close look on Mancini, despised the way Adriana looked at him, couldn't help another comparison, he gritted his teeth, bit the inside of his mouth to not give them the satisfaction, to keep himself from screaming.
When the hot metal sizzled, burning and searing his skin, he wasn't as infuriated by his scream of pain as he was by the way he instinctively hoped Jade would tend to the wound and make it go away when he returned.
#napule nights#alex turner#alex turner fic#alex turner fanfiction#alex turner fanfic#alex/jade#chaptered fic#mafia au#writing#adt#mafia!al#arctic monkeys#alex turner/oc#The Last Shadow Puppets#miles kane
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Wasn’t He Recently Elected As President?
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My insurance comp insured my car with a salvaged title, am i gonna have trouble?
"My insurance comp insured my car with a salvaged title, am i gonna have trouble?
I have had full coverage insurance with my insurance on my car for over 2 years and my car has a salvaged title. Recently it endured hail damage and instead of fixing my car they are totalling it out and letting me keep my car minus the cost a salvage yard would pay them. It is valued at 1600-500 for what they could sell it for and i stand to get 1100 but they want me to send them a copy of the title. Am i gonna have trouble since the title says salvaged on it and get less money? They never asked me about my title when i got insurance on it.
BEST ANSWER: Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr
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I have had full coverage insurance with my insurance on my car for over 2 years and my car has a salvaged title. Recently it endured hail damage and instead of fixing my car they are totalling it out and letting me keep my car minus the cost a salvage yard would pay them. It is valued at 1600-500 for what they could sell it for and i stand to get 1100 but they want me to send them a copy of the title. Am i gonna have trouble since the title says salvaged on it and get less money? They never asked me about my title when i got insurance on it.
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What is a good website to use when researching auto insurance. One where I can get numerous rates from various insurers and compare them with each other?
Test driving a persons car if you dont have car insurance?
I live in Texas. I want to buy a used car from a private party (i.e. another person). Ill obviously want to test drive it before I buy it, but I dont have insurance. If the other person has insurance, is it legal for them to let me test drive it?""
What happens when the car has insurance but the driver isn't in the insurance and hits another car?
Will the insurance still pay? It seems as they do not want to.
Insurance violation 16028 (a)?
I was riding my friends motorcycle today. I got pulled over for doing 75 in a 65. My friend does have insurance on the motorcycle but there was no insurance paperwork on the motorcycle. I got written up for no insurance, the cop said as long as the bike does have insurance the court should drop it. My question is, do I need to be insured on the bike or does just the bike need insurance since I was just riding it that day?""
""I'm 15, pregnant, and have NO insurance?""
I don't qualify for medicare. My parents make to much, can anyone give me any ideas of what I can do for insurance? Please, No hateful comments. I'm really being serious here.""
What are the requirements to become a life insurance broker in California?
Do I need to become an agent first before I can become a broker? What are the requirements? What are the costs of being a broker?
Best term life insurance quotes?
where is the best site to get term life insurance quotes?
Why is Esurance so cheap? Are they a good company?
I'm in NY, and apparently insurance is way more expensive here for whatever reason. Well everyone in my family has gone to Esurance to get a quote, and it's WAY cheaper there. I mean we're talking $100-200 less a month. Progressive wants $300 a month for me and my mom on the same plan... which is about the same as other quotes I've got. Esurance wants $140. I can't help but wonder if it's a big scam or something.""
Help me with insurance name?
In the bay area there is this insurance broker which finds the cheapest insurance for you by comparing their prices and they have a license to sell you that insurance at a discounted price. The name is something like freeway insurance? traffic insurance? road insurance? wth insurance? can someone tell me the name? thanks
How much extra would it cost to add a 17yr old to insurance? helppp!?
i was wondering how much it would cost if i was added to my dads insurance as the 3rd driver, he pays arounds 400 for the insurance but i was wondering how much it would cost if a 17 year old who just passed his license would add to it. im sure it wouldnt be much as i will be the 3rd driver but im not exactly sure.""
Is car insurance cheaper for older cars?
Is car insurance cheaper for older cars?
How bad would my insurance rates be?
I have the money to buy a used 04 S2000 now, but my parents are paying for the insurance and I don't want to make them pay a lot. My father is 47 and wants to put the car under his name if I buy it. If it matters, I'm 18, straight A's in high school if (GPA matters), two years of driving experience, and I live in Indiana. Would the insurance rates for this car be a lot? If possible, does anybody have an estimate?""
My insurance comp insured my car with a salvaged title, am i gonna have trouble?
I have had full coverage insurance with my insurance on my car for over 2 years and my car has a salvaged title. Recently it endured hail damage and instead of fixing my car they are totalling it out and letting me keep my car minus the cost a salvage yard would pay them. It is valued at 1600-500 for what they could sell it for and i stand to get 1100 but they want me to send them a copy of the title. Am i gonna have trouble since the title says salvaged on it and get less money? They never asked me about my title when i got insurance on it.
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I need to get dui/sr-22 insurance in California. I was wondering if anyone knew of a affordable, reliable company i can get it from? Whats an rough estimate of costs? Thanks""
Is anyone surpised that Obamacare will double the cost of insurance?
http://www.forbes.com/sites/theapothecary/2013/05/30/rate-shock-in-california-obamacare-to-increase-individual-insurance-premiums-by-64-146/ Why do the Democrats always lie about everything? .
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I got 2 tickets today in NJ.One was for no seatbelt and one was for speeding.It was for going 5 miles over limit!The speeding is 2 points.But my driver record is perfect,except for this speeding ticket. I know it gets reported to motor vehicles,but what about insurance points?How does that work?Will my insurance go up?""
How much would insurance cost for a yamaha r6?
I'm 16, male, and I live in va. And the insurer would be gieco. Thanks""
What does your credit paying history got to do with paying higher/lower car insurance rates?
What does your credit paying history got to do with paying higher/lower car insurance rates?
Insurance Question/Calculations?
Insurance Calculations Given a patients remaining deductible (Deductible), co-insurance responsibility percentage (CoInsurance), co-payment (CoPayment), and maximum out-of-pocket (OutOfPocketMax): 1)Use those parameters to write an equation to calculate the estimated patient cost for a $1,000 test. (You can use Excel notation if you want.) * 2)Using the same parameters, write the equation for the insurers expected payment, in the case of a $1,000 test. Calculate the patient's responsibility with the following parameters: 1) Deductible=$100, CoInsurance=15%, CoPayment=0, OutOfPocketMax=$1,000. A patient has a PPO plan with a $250 deductible with none of the deductible met. The plan has a co-insurance of 30% with no co-pay for lab services. 1)Solve for this patient's responsibility Thanks for the help!""
Good starter bike thats cheap on insurance?
i was thinking a 250r or a 600r???
Can your car be towed if you have no insurance?
Can your car be towed if you do not have insurance on your car? I was in an accident where the other car did not have insurance on the car that was not his. The police gave us a ticket, which it was our fault, I'm not denying that, but the police drove off not having the car towed . It kinda makes me wonder if the cop let them go with no ticket or anything.""
Insurance rate for a 16 year old?
what would the monthly insurance rate be for a 16 year old driving a 2013 camaro ss v8 engine? thanks!!
Car insurance for total loss?
I got a car accident due to bad weather and got a total loss. No one is involved in the accident. I`ve got a full coverage insurance at that time. The insurance company is cancelled a contract with me after a claim (accident) I issued, which I found it through insurance agency. The insurance company said that they did not know the previous accident record on my driver license. Then they cancelled the contract. Can I possibly claim a complain with my insurance company? I terribly need any car since I use a car for my job. The insurance company said they will not give me any money either a car. What should I do? Thank you""
How can I start an auto insurance business in California?
How can I start an auto insurance business in California?
Can someone else put insurance on my car?
I have two cars and one of them is parked right now due to gas prices. So I took insurance off of it for the time being. One of my friends car is messed up and she does not have a ride, I am thinking of letting her borrow my car until she can get hers fixed. So can she put insurance on it and drive it?""
How much for car insurance?
My mom told me to look for my first car and I found a 2002 Mitsubishi Eclipse GS, Silver, non-convertible, and i asked her if it was ok. She said that the it is considered a sports car because it is a coupe and insurance will be high, it has 2 seats in the back but it is a 2 door....can somebody tell me if insurance will actually be high for me...im 16 and ive never been a accident Thanks!""
Car insurance help please ?
Basically i have bought a car and i need to insure it as my dad as the main driver as he has 20+ years of no claim bonuses and it bring the insurance price down to a manageable payment for me.the problem is that its not with the same company that my dad is currently with and he doesn't have any recent renewal quotes so i don't have proof of his no claims bonus.how can i get proof and will i need the proof before i try to get the insurance ? im 18 and a first driver so i really need my dads ncb to be able to afford insurance
How much does the car insurance cost every month for a 17 y/o teenager here in US in texas?
with a 2005 neon dodge car? help coz my cousin is goin to get a car this summer. thankx guys
What is the best and cheap health insurance?
I came form a different country so i dont have any insurance when i came to california. What is the best that i dont have to pay anything when emergency and cheap like $30 per month.
Who has the best car insurance thats the cheapest?
i need the best (or even the not so best) car insurance that is perferably the cheapest with a range of 100 to 160 dollars a month for a civil service worker
Why are car insurance rates so high in sunbury-on-thames?
Thanks
Where can I get affordable health insurance in New York State?
I need health insurance hopefully that also includes dental. I make to much for state run plans and don't have enough for private plans they want as much as $1,000 and there is no way I can afford that. But I can't afford not having any either. Can anyone point me in the right direction?""
Why is michigan car insurance so high?
I am a 21 year old female with no little credit but I have no bad credit. I rent an apartment and pay all my bills on time. I have a 2004 monte carlo ss that I paid 3500 for. This is ...show more
What is the best website to reseach and compare auto insurance quotes?
What is a good website to use when researching auto insurance. One where I can get numerous rates from various insurers and compare them with each other?
Car Insurance in England question?
If I am insured but I drive another car (included on policy) but that car is not insured by owner will ANPR pick up car has no insurance and do I commit offense? And if I am not insured but drive a car that is insured by owner does it come up on ANPR as being insured and therefore I wont get caught? Is the driver insured or the car???
""If we are getting affordable heath insurance, why can't my employer afford it?""
If we are getting affordable heath insurance, why can't my employer afford it?""
Being stopped by police for no car insurance?
I was pulled over by the police today for having no insurance, I did have fully comp on another car (which I have no sold) but was advised by the insurance that I can drive ther cars (but was not told that had to belong to someone else) I am now being charged with no insurance and I have had a clean licence for over 10 years. Is there anything I can do or will I just put this down to experience""
Will this affect my car insurance rates?
Once, several years ago I had given the information to the other person but had not heard from anyone several days later, so I called my insurance... sadly (my bad) I did not get the other persons information so I was told not to worry about it until the other person reported it... that never happened... what happens here????..""
My insurance comp insured my car with a salvaged title, am i gonna have trouble?
I have had full coverage insurance with my insurance on my car for over 2 years and my car has a salvaged title. Recently it endured hail damage and instead of fixing my car they are totalling it out and letting me keep my car minus the cost a salvage yard would pay them. It is valued at 1600-500 for what they could sell it for and i stand to get 1100 but they want me to send them a copy of the title. Am i gonna have trouble since the title says salvaged on it and get less money? They never asked me about my title when i got insurance on it.
https://www.linkedin.com/pulse/insurance-quote-mineral-road-glenville-wv-jake-bryant/"
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First car! help with car insurance,tax&other stuff please ?? uk owner?
"First car! help with car insurance,tax&other stuff please ?? uk owner?
smart car 2 seater white and silver 2010 reg how much would it cost to tax and insure female driver at 17 year old? best place for insurance ?? is it worth getting a black box installed into the smart car ?? if so how much do the cost on average? where is cheapest place to get break down cover ?? what over things do i need to consider on my first car? how much does a smart car cost to fill with fuel in uk?? would love some help if possible kind regards mia xxx :D
BEST ANSWER: Try this site where you can compare quotes: : http://averageinsurancecost.xyz/index.html?src=tumblr
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I'm young (21) looking for motorcycle insurance in MA and I was wondering some of the better options. Btw I'm looking for full coverage quotes. I have had a regular drivers license for about 4 years and I live in a rural area, not a lot of theft. I know it takes much more personal information than that but again I'm just looking for estimates. Just looking for good (preferably local) insurance companies and estimated quotes.""
Why am i being forced to buy health insurance?
I don't understand it i am 20 years old am going to be starting my life out with my girlfriend, i am desperately trying to get a job and my girlfriend works at mcdee's and now i find out that i am forced to have health insurance? i can't afford that! even if it is affordable i struggle to buy a pop at the gas station let alone health insurance""
I don't have car insurance on my car?
I don't pay insurance on my car. My girlfriends has insurance on her car. Is it legal for her to drive my car? or does my car have to be insured by insurance for her to drive too (i.e. because she has insurance on her car, I can drive her car legally.)""
Driving with provisional driver's license but car insurance is in my sister's name?
If i get pulled over will i get in trouble? The car is insured in my sister's / father's name I have a driver's license and eligibility to drive a car I did nothing wrong I'm just wondering if i ever get pulled over, will i get in trouble?""
In california how long can a company take to provide you with insurance?
I work in california and was wondering if there is a california or federal law on when a company should provide insurance benifits for a full time worker? My friend has been with the company over a year and still has no benifits...i know most companies give it to you after 60 or 90 days probation even 6 months but is there a law about how long they should take ?
What to do about car insurance claim?
On wends. I was waiting at a red light and another car wrecked into my car. We pulled over and I called the police and my insurance and all that other fun stuff. He got a ticket and when the cop came back to me he gave me the other guys information. (as in his name, car, and license plates number and thats all.) I called my insurance (State Farm) the next day to see if they had any more information because I thought my insurance was gonna get in contact with his insurance (Titan insurance.) The guy at state farm said that in my policy there is a 500 dollar deductible. (I thought this other guys insurance was supposed to pay for this, not mine.) So I asked the guy that and he said if I wanted to go through his insurance I had to get a hold of them myself. (But isn't the two insurances supposed to get in contact with each other?) The last two days i've been calling titan insurance and state farm trying to figure out what the hell is going on because this titan place seems like they have no clue whats going on and state farm is telling me to go through my policy and none of them have answers to my questions. Why should it go through my insurance if hes the one that hit my car? I've never been in a car wreck before so I'm not sure how all of this is supposed to work so any advice would be good.""
""If my friend owns a car, can I have full insurance on it?""
If my friend owns a car and I am making payments to him to eventually own it, is there a way that it can be fully insured in my name?""
How to reduce payments for young car driver insurance ?
how to minimize it ?
Teenager's first car accident . Insurance?
So my sister is 17 and a new driver. She rear-ended a guy.. It was just a fender bender and its only the plastic part of his car that's damaged. So my sister DOES have insurance, but didnt have her actual Insurance card on her. (But the cop didnt seem to care). She was driving my mom's car and used her car insurance info. now the guy on the other end...was this old angry guy yelling at her. The problem is that HE didn't have his neither his Driver's license OR insurance. He said he would 'settle on the side' so her insurance wont go up. But does he have a case?? Technically, he shouldnt have been on the road. He doesn't have any insurance! Should we pay him directly? file a claim with our insurance? or do absolutly nothing?""
How do I cancel California Blue Cross insurance?
I have been trying to cancel my policy for 3 months. I even tried to stop payment at my bank, but they keep getting around the stop payments by charging different amounts each month. (This month they decided to charge me $50 more than last month) When I call them, I am on hold for over 30 minutes before I finally just give up. On their website, there is NO information about how to cancel your policy whatsoever. Why is it that they don't have ANY information on their California Blue Cross website about how to cancel??? Does anyone know of an address or fax number or wherever I am supposed to send written cancellation to or how do I go about cancelling????""
Health Insurance Florida?
is there any health insurance available for a 23 year old in the state of Florida I make $600 a month but I don't have much leftover after I pay bills and the free clinic is always very crowded I can never see a doctor and I know my health is very bad so is there any health insurance that is similar to Medicaid I used to have that when I was a kid and you were able to see a doctor with that I am hoping to find insurance that's is affordable and doctor offices will accept thanks in advance
Is liability insurance the same as renters insurance?
Is liability insurance the same as renters insurance?
First car! help with car insurance,tax&other stuff please ?? uk owner?
smart car 2 seater white and silver 2010 reg how much would it cost to tax and insure female driver at 17 year old? best place for insurance ?? is it worth getting a black box installed into the smart car ?? if so how much do the cost on average? where is cheapest place to get break down cover ?? what over things do i need to consider on my first car? how much does a smart car cost to fill with fuel in uk?? would love some help if possible kind regards mia xxx :D
In Michigan do you need to keep full coverage on your motorcycle even if it is in storage when you have loan?
You get your full coverage on the motorcycle when you purchase it but winter comes and you have the insurance company reduce it to storage insurance. Can you do that and if you can is the insurance company required to let the title holder know of the insurance coverage change?
Comparing and contrasting life insurance?
was looking for some experianced and educated perspectives on taking the best approach considering life insurance for the first time at age 28 with 3 kids?
Average cost of insurance?
what would be the average cost of insurance for a 16 year old male in georgia with an 09 mustang? with a honda accord? with a dodge ram? i guess really with a safe new sports car (cause the new mustangs are 5 star in all but one thing where they hav a 4 star in safety), with a new sedan, and with a new truck? thanks. and also how much might taking extra classes help lower the insurance? i mean defensive driving classes. and would being an eagle scout help any? i really don't know so im just thinking of things that might help. thanks""
Car Insurance Coverage?
My husband and I each have our own cars. We are covered by the same insurance company (multi care policy). My car is a 1998 in excellent condition, however due to its age I dropped the collision. MY husbands car is a 2011 with full coverage. We were told by a friend (not the insurance compny) that if my husband is driving my car and involved in an auto accident that any repairs would be covered under his insurance policy since he has full coverage. Is this correct?""
How i can get cheap auto insurance for my son?
How i can get cheap auto insurance for my son?
How can I get 'cheap' car insurance?!?
I'm going to be 17 in May so I've been trying out some qoutes because I really want to drive ASAP. I can't get a qoute for under 3000!!!! I got a qoute for Rover 25 1.4L iL, third party fire and theft, main driver, and with my mum on it aswell, for 3260. It's ridiculous! Where shall I go to try and get a good cheap? It's so unfair! I just want to be able to drive hahaha!""
How do insurance companies insure replica cars?
i am looking to buy a replica lamborghini because i don't have an extra 200,000 dollars layin around. but i know that insurance is a ***** if you own a lambo. The one i am looking at has a bmw V12 engine. so would it be considered a bmw or...?""
Looking for a site for Affordable Individual Health Insurance?
Hello, I'm looking for affordable individual health insurance online web company.Can you suggest me where can I find cheap and good site for my insurance?I'll be very thankful.""
If i buy a car before i turn seventeen how much can i expect to pay for insurance?
i was thinking a car like a tiburon. any comments? ideas? reccomendations? what kind of car should i get???
How much does auto insurance cost for a 16 year old female?
I was trying to do the online quote thing but i cant because its asks for a phone in order to generate the rates , and im most certainly not about to give them my phone number. No way jose.thats why im asking. -Im a 16 year old female -Dont have a license (yet) -im single -I would be driving a 2001 kia... i think sephia? Idk but it looks like a very basic car. -I have good grades -i have never gotten tickets or DUIS So do any of u have an estimate??? Also please dont comment something irrelevant or pointless...""
What car would cost more to insure?
A used 2003, 2005 Mercedes Benz C230 or a New Mitsubishi Lancer? im a teen and yes i kno insurance is expensive and so thats why im asking b4 i get a car.""
Been priced out of insurance AGAIN!!?
Ok thought i would be getting a car, but kept on getting 6,000-8,000 quotes which is ridiculous. So then i thought o well lets leave the car alone for a few years. Found a fantastic bike that i tested for 1,500 LEXMOTO XTR S 125. Drum role please INSURANCE 2,000!!! people told me i was suppose to be getting 500 odd for insurance for a 125cc bike. i live in london :|. age:17""
Is it true that ObamaCare forces people to buy health insurance?
If not, risk going to jail and face a fine.""
How do i get my own car insurance? I am 18 years old?
I guess my parents won't be my co-signers for when i get my own first car, because they're scared I'll screw they're perfect record up, so i have to get the car under my own name. How do i get started?""
What insurance information do I need for my driver's test?
The DMV specified I need insurance information...
No Insurance. Car damaged. Should I call the insurance company?
OK This is really hurting me because some jerk hit my car in the parking lot ( I don't know when) and when wake up in the morning and see my car it is damaged. My problem is I don't have insurance to the car and my car registration has expired too. (I rarely use my car because I have a work truck). I dont know what to do. Should I call the cops? or just forget about it for now and get the insurance upto date and call the insurance people after some days. Please help.
""Car parked on drive, do I need insurance?""
I am buying a car in aprivate sale very soon, although will not be able to drive it until April 1st. Will I be able to just leave the car on my drive without insurance or is that illegal?""
""With regards to auto insurance, what does having a deductable mean?""
For example, if I have a $500 deductable, what exactly does that mean when claiming from insurance?""
Where can I find non-owners car insurance in Massachusetts?
I'm looking to purchase a non-owner's car insurance policy (I live in the Boston area). I do not own my own car, but since I'm still in college and I just moved home, I drive both my parents cars and my brother's car. A non-owners policy would cover me in whichever car I'm driving, and I'm just wondering if anyone could recommend a company in MA that offers this?""
Staying on my dads health insurance (i'm 24 and not in school)?
im confused for the most part about the affordable act im currently 24 and dont 25 until april of next year . my dad works for the county parks and recreation here in miami and up until a few years ago i was under his insurance. because im not a student i didnt qualify to be under his insurance. im unemployed and was thinking about purchasing a bronze/catastrophic level insurance. but with the act now passed could i latch on until im 26 under my dads coverage despite not being a student? thanks for the help in advance
Which car insurance companies aren't on comparison sites?
I know direct line don't use them but what others don't? I've checked all the comparison sites but would just like to check the ones they don't cover. Thanks.
What is electronic insurance?
details about electronic insurance
""Honda Sport 1.6 Insurance for an 18 years old, second driver...?""
I am looking to get 2004 Honda 1.6 Sport and I am only 18. My dad is planning to be the first driver and me as a second when it comes to the car's insurance. Guys, how much do you think the insurance would cost us?""
Renters insurance?
what exactly is renters insurance all about? is it pretty important or a waste of money?
How do I find out what this person's car insurance is?
There is a coworker of mine who dented my car. He has a North Carolina licence plate but he works with me in New Jersey. Obviously he's commiting rate fraud to pay lower rates which I don't care about except he banged my car. I've asked him to give me his insurance several times over the past couple of months but he never does so now I've had it and I want to report it directly to his insurance company. How do I get this information if he's not willing to give it? I have only his name, but if I speak to the secretary where we work I can probably get his ss# too if I need it to get his insurance info.""
First car! help with car insurance,tax&other stuff please ?? uk owner?
smart car 2 seater white and silver 2010 reg how much would it cost to tax and insure female driver at 17 year old? best place for insurance ?? is it worth getting a black box installed into the smart car ?? if so how much do the cost on average? where is cheapest place to get break down cover ?? what over things do i need to consider on my first car? how much does a smart car cost to fill with fuel in uk?? would love some help if possible kind regards mia xxx :D
https://www.linkedin.com/pulse/cheaper-first-time-driver-insure-van-russell-elliott/"
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A $500,000 Redo: How One Couple Got Their Mojo Back
About once every couple of years, a Financial Samurai post goes a little nuts on the internet. Recently, Twitter got a hold of “Scraping By On $500,000 A Year: Why High Income Earners Can’t Escape The Rat Race” and consumed it like a rabid dog shaking a rag doll.
I first started noticing Twitter activity Friday morning, March 24. Overnight, it seemed, about 500 new tweets of the post had appeared. By Monday, March 27, the tweet count had risen to a whopping 40,000+! What the heck was going on?!
Apparently, the internet found the $500,000 a year couple’s budget so absurd it started poking fun at the post. Some say my chart has even reached meme status. Well pinch my nuts! I get to check off another bucket list item before I croak.
The budget I originally posted is actually a real life couple’s budget shared with me to share with you. Their budget has been corroborated by hundreds of other couples and individuals making similar incomes while living in an expensive city like NYC, SF, London, Paris, LA, and Hong Kong. Financial Samurai already gets over 1 million organic pageviews a month, so it’s easy to gather feedback. Just check the comments on the post to see for yourself.
Here are some points I wanted to make from the post:
1) It’s not what you make, it’s what you keep. Without discipline, it’s easy to spend everything you make. Lifestyle inflation is the biggest culprit for why folks never feel like they have enough. It’s not just the cars and houses that people compete on, it’s also the schools parents want their children to attend. Hopefully, the post encourages everyone to take a hard look at their own finances or if they haven’t already done so, create and monitor their own budget. “If you can’t manage it, you can’t improve it.” – Peter Drucker.
2) High income comes with high costs. Yes, it’d be nice to earn big bucks living in the heartland of America, where I’m bullish, but in the heartland, those high income jobs are harder to come by. If one shouldn’t spend any more than 3X – 5X their gross income on a home, how much does one have to make in order to afford the $1.2M median home price in SF or NYC? Answer: $240,000 – $400,000. Unfortunately federal income taxes do not account for cost of living.
3) Think about geo-arbitrage. Technology and the internet are allowing people to untether themselves from an office. Find companies that allow you to work remotely in a lower cost area. You might not get to relocate to Bali, Indonesia, but there are plenty of fantastic cities that are much cheaper than NYC, SF, LA, Boston, and Washington DC. I’ve interviewed several CEOs in SF and they all say that given SF’s tight labor market and high cost of living, they are hiring more remote workers. Better yet, have your own internet-based business. Take advantage of the best technological shift in history.
4) Save and invest often over the long run. There’s great value in maxing out your 401k and building home equity over time, even if you have very little left over. According to the Bureau of Labor Statistics, only about 55% of the American workforce has access to a 401(k) and only about 38% of the total workforce participate. Doing some low level math, that means roughly 31% of those who have access to a 401(k) are not participating. I strongly believe that over time, home equity is one of the major reasons for a widening wealth gap between home owners and renters. Find a place you know you’ll be for the next 10 years and try and get neutral real estate by owning your own place. Of course, be responsible with your purchase.
5) What it’s all for at the end of the day. I know plenty of high earning people who are not happy because they are stressed at work and can never spend as much time with the people they love. Not only that, they know the work they’re doing isn’t really helping society so they feel they’re selling their souls. They can’t leave due to an unhealthy desire for prestige, money, and power. Realize there’s a wonderful life beyond just making lots of money. Seek your happiness before you look back on life full of regret.
I realize it’s only human to judge others, even if we’ve never walked in their shoes. However, simply judging others does nothing to improve our own situations. Therefore, let’s do our best to approach things with open minds. With open minds, progress can be made.
Financial Samurai has always been about finding solutions to problems. I’d like to provide an optimized budget for this $500,000 couple. I’ll conclude by highlighting some interesting observations I’ve made about the public’s reaction to my original post as well.
Making A $500,000 A Year Couple Rich Again
Original budget:
Optimized budget:
Let’s go through the major line-items one by one!
Income Taxes ($9,280 savings): I’ve brought the couples effective total tax rate down to 38% from 40%, saving them $9,280 a year. Their total tax bill of $176,320 includes federal income tax, state income tax, city income tax, FICA tax, and sales tax. It’s very hard to bring your tax liability down as a W2 wage earner. Having a business is consistently one of the key differentiators between the rich and the rest of us. If you’ve got a business, you can deduct many of your overlapping life expenses as a business expense e.g. business trip to Honolulu for a semi-annual offsite. You can also contribute more to your pre-tax retirement savings.
Property Taxes (* $10,595 savings): The property tax rate in Park Slope, Brooklyn (King’s County) is surprisingly only 0.627% compared to the New York State average of 1.5%, and the national average of 1.2% (that’s what it is here in California). Therefore, on an assessed value of $1,500,000, the couple really only pays $9,405 in property taxes versus the $20,000 originally estimated. However, because there are all sorts of weird property tax assessments in NYC, I’m still inclined to believe the figure is higher. If anybody owns in Brooklyn, please share your wisdom.
Childcare ($6,000 savings): If you haven’t figured out by now, children are expensive! Every parent wants their best for their kids, which is why demand is relatively inelastic the higher prices for child-related expenses go. Given all the backlash from the internet, the couple decides to find a better deal, a little father away. They’re now spending $1,500/month per kid compared to $1,750/month per kid. As their kids enter kindergarten and spend more time on lessons, childcare costs will naturally decline.
Food For Four ($2,400 savings): Unfortunately, date night every two weeks has got to go! Each date on average cost the couple $200 when you add up transportation, food, wine, tip, taxes, and a Broadway show. Try landing a ticket for Hamilton for under $50. Good luck! Therefore, the couple is now saving $2,400 a year. Instead of going out to eat they start cooking more at home and ordering from a variety of food delivery services. Not only is this couple saving money, they’re also eating healthier for a double win.
Home Maintenance ($3,800): Both parents start spending time getting smart on YouTube to fix their own toilets, paint their own walls, and unclog their own faulty dishwasher valves. They also do all their own cleaning. Nothing is more attractive than being handy with a wrench and smart in the office. Total annual savings: $3,800
Three Vacations A Year ($3,000): By deciding to vacation in NYC for one of their three vacations, the couple saves $3,000 on airfare, hotels, and activities. NYC is the greatest city in the world for six months of the year. There are so many free and fun activities all around. There’s a reason 48.8 million people annually visit NYC! Yes, $15,000 still seems like a lot of money, but it’s divided among four people across 21 days. Without living it up a little on vacation, this 60+ hour a week couple might burn out at work or blow up their marriage because they hate life so much.
Children’s Lessons ($6,000 savings): Screw violin! I learned violin for three years and hated it. Even if I got any good, it’s not like I’d bust it out at a party and play. That’s what a guitar is for, which can be easily learned online for free. Athletics is part of Americana, so the kids are still receiving swimming and tennis lessons. Who knows, both of them might get athletic scholarships one day. At the very least, college admissions officers and employers look much more favorably on scholar athletes. Just having a 4.0 GPA and a near perfect SAT doesn’t cut it anymore, especially if you’re Asian.
Charity ($6,000 savings): Sorry alma mater, your tuition and endowment are already massive enough. Harvard, Yale, Princeton, and Stanford all have endowments over $20 billion. MIT, U Penn, Michigan, Texas A&M, and Columbia all have endowments over $10 billion. It’s best they save their money for those who really need help. Giving $1,000 a month to Feed The Children means a lot to this couple. 300 million children go to bed hungry every day while 68% of America is obese. Something is wrong with this picture and they want to do their part in making a difference.
Miscellaneous ($5,000 savings): Something always comes up, otherwise why doesn’t everybody have a perfect financial record? Because this couple is now more self-sufficient, they should be able to minimize any excess spending or surprises. Financial independence is all about generating enough passive income streams to cover your expenses indefinitely. If you can also build cooking, cleaning, fixing, and maintenance skills, you’re going to be golden. Not too long ago we had to start our own fires and hunt for our own food. A self-sufficient woman is a rich woman.
College Savings ($12,000 expense): One glaring expense the internet pointed out was that this couple wasn’t saving for their children’s college education. Annual tuition alone now costs $15,000 – $55,000 at many universities (William & Mary in-state tuition = $16,370, Columbia University tuition = $52,476). Add room and board and we’re talking $30,000 – $80,000 annual outlays for four years! Can you still afford to give money to your alma mater? In 10-15 years when this couple’s kids attend college, the cost could easily climb by 50%. Let’s hope these kids get into public Bronx High School of Science, Stuyvesant High School, or Brooklyn Technical High School to save their parents the expense of private grade school tuition. Related: Public Or Private University: Depends On Your Fear And Guilt Tolerance
Total Cash Flow Improvement: $48,875
Total Cash Flow After Improvement: $56,175 ($48,875 + $7,300)
Total Cash Flow + Net Worth Addition: $117,175 after contributing $36,000 to their 401ks and paying down $25,000 in mortgage principal.
$117,175 equals a respectable 23.4% gross savings rate or an impressive 36% after tax savings rate once we adjust for paying taxes on the $36,000 401k contribution amount. This couple should be able to build their net worth by at least $1.2 million every 10 years, assuming their incomes don’t continue to rise and their expenses stay the same.
The problem with this new scenario is that despite optimizing their budget by $48,875 a year, they still have a $231,505 annual after-tax nut to cover. Given they have no other significant passive income streams, they need to likely work for at least another 18 years until after their kids graduate from college to even consider doing something other than 60+ hour workweeks in the law office. But given 80%+ of people wash out of big law by year eight, anticipating to last for 18 years isn’t very prudent.
The point of aggressively saving and developing a side-hustle when you’re young is so that you one day have the OPTION to do something else with your time when you start hating your life. Believe me, that day will come because everybody will hate their job at one point. Unfortunately, to many people start aggressively saving and side-hustling AFTER they start hating their jobs. Misery ensues.
There is NO rewind button in life, which means we all have to try and anticipate the future today.
Related:
How Much Savings Should I Have By Age
Ranking The Best Passive Income Streams
Observations From The Internet’s Response
With over 42,000 tweets, 5 million+ views of the chart, and media mentions from CNBC, The LA Times, Jalopnik, MarketWatch, Apple News and many more, it’s been fascinating to observe the reactions. Here are three common threads I’ve observed:
1) Shoot first, ask questions later. A study by the Media Insight Project, an initiative of the AP-NORC Center for Public Affairs Research and the American Press Institute highlighted that 60% of readers just read headlines, and not the actual article. As a result, the use of “Scraping By” instigated many people to condemn this couple’s budget (and me by extension) because they hadn’t read the substance behind the post. The featured image in my post with the caption, “Help! I’m drowning from all my money!” provided a clue to the astute reader that I was being facetious.
2) People see what they want to see. With over 100,000 comments left on Financial Samurai since it started in 2009, I’ve observed this phenomenon many times. There is a perpetual echo chamber of people refusing to see the other side. It plays out in politics, stubborn arguments with friends and loved ones, generational wars, and in the work place all the time. The more we can try and understand another’s point of view, the more we can improve. Trying to see the other side is why I’ve given over 500 Uber rides, keep up with my Mandarin, coach high school tennis, constantly travel abroad, and invite people from different backgrounds to write guest posts. It’s easy to contract Dunning-Kruger disease and think anybody can do it if they just work hard enough. When you see the other side, you gain empathy and understanding.
3) Humor is incredibly effective. Understandably, a lot of people were mad at the budget because 99% of households earn less than $500,000 a year and must make tough choices to make ends meet. You can take a negative stance like Pulitzer Prize winner, Michael Hiltzik did with his column in the LA Times. You can focus on class warfare like wealthy Boston University millennial alumni, Jeremy Binckes did in his Salon article. Or, you can take Kristen Lee from Jalopnik’s approach and focus on humor to get things across.
Remember, the way you approach anything is a reflection of your own state of mind. You have a choice to look on the bright side or on the dark side. I’d certainly much rather grab a beer with an uplifting person like Kristen, than listen to Jeremy attack the woes of high income earners. When you come from a privileged family, it’s quite interesting to witness his negative viewpoint on wealth. Perhaps there’s an area of “rich guilt” that I can delve deeper in a future post.
Making $50 Million A Year Can Still Feel Average by Kristen Lee from Jalopnik
Got Me Some Body Doubles To Throw Off The Assassins! by Dan Amira, Daily Show writer
Control What You Can Control
Writing about personal finance is generally pretty boring. After all, if everybody spent less than they made, everything would be just fine. But we know nobody is perfect. Some people actually make mega millions over their careers and still file for bankruptcy! We’re all trying to get a little better.
Love or hate my article, I’m just happy that so many more people have decided to take a good look at their finances. Many have written in to say sheepishly they’ve finally created a budget of their own, but have not told anyone for fear of judgement. Who knows, maybe the next financial crisis won’t be so bad because millions more people are more prepared after reading this post!
Making a lot of money is great, but building wealth that can generate money for you so you don’t have to slave your life away is even better. Sooner or later you will tire of the same old grind at work. When the time comes, you want to be armed with multiple income streams and a war chest of savings to carry you through to your next adventure.
It’s been a little over five years since I had a day job. Even though I don’t make a lot of money, I’ve got enough to be happy. It feels amazing to help other people with their financial problems. Find your enough and you’ll feel like the richest person in the world!
Related:
The Rise Of Stealth Wealth: How To Stay Invisible From Society’s Rage
Once You Have F You Money, It’s Really Hard To Tell Others To F Off!
What We Can Learn About Rich People Who Are Bad With Money (Lifehacker’s Kristin Wong provides my favorite response yet)
Rich And Marcus’ Entertaining Podcast – I couldn’t stop smiling and laughing at some of the commentary about the couple’s budget.
Readers, anybody want to try optimizing this $500,000 a year couple’s budget further without causing them to spend money for marriage counseling? Anybody want to verify the property tax amount in King’s County, NY? What else have you observed from other people commenting on this rich couple?
Why is there is much hatred towards people who pay over $176,000 in income taxes AND contributes to help eliminate child hunger? I never presented this couple as whining about their money as some in the media have portrayed. I simply highlighted how a couple can easily spend almost all their $500,000 salary if they aren’t careful.
Finally, if anybody in the media or who has a podcast wants to chat about this important subject, my door is always open. Just shoot me an e-mail found towards the end of my About page.
from http://www.financialsamurai.com/a-500k-redo-how-one-rich-couple-got-their-mojo-back/
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